Fixed Indexed Annuities

Target Insurance Services - Current Annuity Rates

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913-661-5132/800-999-3026

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SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

5.00%

2.00%

90.00%

$1,198

08/27/10

0-75: 8.00+
76-80: 4.00+
81-85: 2.50+

see notes

Monthly Additive Account with Cap	2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.00%

Lincoln Financial Group
Lincoln OptiPoint 12 -Low

12 yrs

4.00%

2.00%

100%

$1,319

09/01/10

0-75: 4.00

see notes

Fixed @ 2.10%	Performance Triggered
2-Year Monthly Cap	2-Year Point to Point

Lincoln Financial Group
Lincoln OptiPoint 12 -High

12 yrs

5.00%

2.00%

100%

$1,332

09/01/10

0-75: 4.00

see notes

Fixed @ 2.10%	2-Year Point to Point
2-Year Monthly Cap	Performance Triggered

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

1.75%

90.00%

$1,071

09/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

Amer. General Life Ins. Co.
AG Global Bonus Index Annuity

10 yrs

5.00%

2.00%

100%

$1,280

08/27/10

0-75: 7.00
76-80: 4.50

Fixed Interest Account @ 2.00%	Global Multiple Index Account with Cap
Annual Point-to-Point Account with Participation Rate	Monthly Additive Account with Cap

Amer. General Life Ins. Co.
Vision Maximizer

10 yrs

5.00%

2.00%

90.00%

$1,152

08/27/10

0-75: 8.00+

see notes

Fixed Interest Account @ 2.00%	Monthly Average Account with Index Spread
Annual Point-to-Point Account with Cap	Annual Point-to-Point Account with Adjustable Participation

American National Ins. Co.
ANICO Strategy Indexed Annuity 10

10 yrs

1.00%

100%

$1,105

09/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Point-to-Point

ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low

10 yrs

5.00%

2.00%

87.50%

$1,120

09/01/10

0-80: 7.00+

see notes

Fixed Rate Strategy @ 1.50%	Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Secure Index Opportunities Plus -High

10 yrs

5.00%

2.00%

87.50%

$1,120

09/01/10

0-80: 7.00+

see notes

Fixed Rate Strategy @ 1.50%	Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy

ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low

10 yrs

3.00%

2.00%

87.50%

$1,099

09/01/10

0-80: 6.00+

see notes

Point-to-Point Cap Index Strategy	Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.50%

ING USA Annuity and Life
ING Secure Index Outlook Annuity -High

10 yrs

3.00%

2.00%

87.50%

$1,099

09/01/10

0-80: 6.00+

see notes

Fixed Rate Strategy @ 1.50%	Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy

Lincoln Benefit Life
Saver's Index Annuity Premier -Low

10 yrs

3.00%

1.50%

100%

$1,195

08/30/10

0-75: 3.45+
76-85: 2.40+

see notes

Fixed @ 1.00%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low WaterMark	1-Year S&P 500 Monthly Average w/Cap
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Premier -High

10 yrs

3.00%

1.50%

100%

$1,195

08/30/10

0-75: 3.45+
76-85: 2.40+

see notes

Fixed @ 1.00%	1-Year S&P 500 Monthly Cap
1-Year S&P 500 Monthly Average w/Cap	1-Year S&P 500 Point-to-Point Low WaterMark
1-Year S&P 500 Point-to-Point

Approved by Cambridge Investment Research

Lincoln Benefit Life
Savers Index III -Low

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

08/30/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Account B

Approved by Cambridge Investment Research

Lincoln Benefit Life
Savers Index III -High

10 yrs

85 (NQ)

3.00%

90.00%

$1,210

08/30/10

0-75: 3.45+
76-90: 2.40+

see notes

Option 1

Account B

Lincoln Benefit Life
Savers Index III (ROP) Low-Band

Product has been withdrawn from sale effective 08/16/2010

Lincoln Benefit Life
Savers Index III (ROP) High-Band

Product has been withdrawn from sale effective 08/16/2010

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiPoint 10 -Low

10 yrs

3.00%

1.80%

100%

$1,231

09/01/10

0-75: 3.50
76-80: 2.37

see notes

Fixed @ 2.10%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiPoint 10 -High

10 yrs

4.00%

1.80%

100%

$1,243

09/01/10

0-75: 3.50
76-80: 2.37

see notes

2-Year Monthly Cap	2-Year Point to Point
Performance Triggered	Fixed @ 2.10%

Surrender Charges Last 9 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9

9 yrs

4.00%

2.00%

90.00%

$1,119

08/27/10

0-75: 6.00+
76-80: 3.50+
81-85: 2.00+

see notes

Fixed Interest Account @ 2.00%	Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap

Amer. General Life Ins. Co.
VisionAdvantage 9

9 yrs

2.00%

90.00%

$1,076

08/27/10

0-75: 6.00
76-80: 5.00

Fixed Interest Account @ 2.30%	Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap	Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread

ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -Low

9 yrs

1.00%

100%

$1,094

09/01/10

0-80: 6.50+

see notes

Fixed Rate Strategy @ 1.80%

1-Year Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -High

9 yrs

1.00%

100%

$1,094

09/01/10

0-80: 6.50+

see notes

Fixed Rate Strategy @ 1.80%

1-Year Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -Low

9 yrs

1.00%

100%

$1,094

09/01/10

0-80: 1.50+

see notes

Fixed Rate Strategy @ 1.50%

1-Year Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -High

9 yrs

1.00%

100%

$1,094

09/01/10

0-80: 1.50+

see notes

Fixed Rate Strategy @ 1.50%

1-Year Point-to-Point Cap Index Strategy

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 9 -Low

9 yrs

1.75%

100%

$1,169

09/01/10

0-75: 7.00+
76-80: 5.25+

see notes

Fixed @ 1.90%	1-Year Point-to-Point
1-Year Monthly Average	1-Year Monthly Cap

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 9 -High

9 yrs

1.75%

100%

$1,169

09/01/10

0-75: 7.00+
76-80: 5.25+

see notes

1-Year Monthly Cap	1-Year Monthly Average
1-Year Point-to-Point	Fixed @ 2.05%

Surrender Charges Last 8 Years

Amer. General Life Ins. Co.
AG Global 8 Index Annuity

8 yrs

2.00%

90.00%

$1,054

08/27/10

0-75: 6.00
76-80: 4.75

Fixed Interest Account @ 2.00%	Annual Point-to-Point Account with Participation Rate
Monthly Additive Account with Cap	Global Multiple Index Account with Cap

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln New Directions 8 -Low

8 yrs

2.00%

100%

$1,172

09/01/10

0-75: 4.50+
76-80: 3.50+
81-85: 2.25+

see notes

Fixed @ 2.35%	Performance Triggered
2-Year Point to Point

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln New Directions 8 -High

8 yrs

2.00%

100%

$1,172

09/01/10

0-75: 4.50+
76-80: 3.50+
81-85: 2.25+

see notes

Performance Triggered	2-Year Point to Point
Fixed @ 2.50%

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiPoint 8 -Low

8 yrs

2.00%

1.60%

100%

$1,158

09/01/10

0-75: 3.00
76-80: 2.00
81-85: 1.00

see notes

Fixed @ 2.10%	2-Year Monthly Cap
2-Year Point to Point	Performance Triggered

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiPoint 8 -High

8 yrs

3.00%

1.60%

100%

$1,169

09/01/10

0-75: 3.00
76-80: 2.00
81-85: 1.00

see notes

Performance Triggered	2-Year Point to Point
2-Year Monthly Cap	Fixed @ 2.10%

United States Life Ins. Co. (NY)
AIG Global 8 Index

8 yrs

2.00%

90.00%

$1,054

07/28/10

0-75: 6.00
76-80: 4.75

see notes

1-Year Fixed Account @ 2.00%	1-Year Monthly Additive Account Capped
1-Year Point-to-Point Account Participatin Rate	1-Year Global Multiple Index Account Capped

Surrender Charges Last 7 Years

American National Ins. Co.
Value Lock 7

7 yrs

1.75%

90.00%

$1,016

09/01/10

0-75: 6.00
76-80: 4.00

S&P 500 7 Year Point-to-Point

Amer. General Life Ins. Co.
VisionAdvantage 7

7 yrs

2.00%

90.00%

$1,034

08/27/10

0-75: 6.00
76-85: 5.00

Fixed Interest Account @ 2.00%	Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap	Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread

American National Ins. Co.
ANICO Strategy Indexed Annuity 7

7 yrs

1.00%

90.00%

$ 965

09/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Annual Point-to-Point

ING USA Annuity and Life
ING Secure Index Seven -Low

7 yrs

1.00%

100%

$1,072

09/01/10

0-80: 5.00+

see notes

Fixed Rate Strategy @ 1.80%	Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Secure Index Seven -High

7 yrs

1.00%

100%

$1,072

09/01/10

0-80: 5.00+

see notes

Point-to-Point Cap Index Strategy	Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.80%

Approved by Cambridge Investment Research

Lincoln Benefit Life
Savers Index I -Low

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

0-75: 3.45
76-90: 2.40

see notes

Option 2

Option 1

Approved by Cambridge Investment Research

Lincoln Benefit Life
Savers Index I -High

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Lincoln Benefit Life
Savers Index I (ROP) -Low

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Lincoln Benefit Life
Savers Index I (ROP) -High

7 yrs

75 (NQ)

3.00%

90.00%

$1,107

08/30/10

0-75: 3.45
76-90: 2.40

see notes

Option 1

Option 2

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 7 -Low

7 yrs

1.50%

100%

$1,110

09/01/10

0-75: 6.00+
76-80: 4.50+
81-85: 3.00+

see notes

Fixed @ 1.70%	1-Year Monthly Cap
1-Year Monthly Average	1-Year Point-to-Point

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 7 -High

7 yrs

1.50%

100%

$1,110

09/01/10

0-75: 6.00+
76-80: 4.50+
81-85: 3.00+

see notes

Fixed @ 1.85%	1-Year Point-to-Point
1-Year Monthly Average	1-Year Monthly Cap

Surrender Charges Last 6 Years

American National Ins. Co.
ANICO EIA

6 yrs

1.50-3.00%

90.00%

$1,075

09/01/10

0-79: 5.00
80-85: 3.00

Performance Triggered

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln New Directions 6 -Low

6 yrs

1.75%

100%

$1,110

09/01/10

0-75: 3.50+
76-80: 2.75+
81-85: 1.75+

see notes

Fixed @ 2.10%	Performance Triggered
2-Year Point to Point

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln New Directions 6 -High

6 yrs

1.75%

100%

$1,110

09/01/10

0-75: 3.50+
76-80: 2.75+
81-85: 1.75+

see notes

Performance Triggered	2-Year Point to Point
Fixed @ 2.25%

United States Life Ins. Co. (NY)
AIG Global 6 Index

6 yrs

2.00%

90.00%

$1,014

07/28/10

0-75: 5.00+
76-80: 4.50+
81-85: 4.25+

see notes

1-Year Fixed Account @ 2.00%	1-Year Global Multiple Index Account Capped
1-Year Point-to-Point Account Participatin Rate	1-Year Monthly Additive Account Capped

Surrender Charges Last 5 Years

ING USA Annuity and Life
ING Secure Index Five -Low

5 yrs

1.50%

100%

$1,077

09/01/10

0-80: 4.00+

see notes

Fixed Rate Strategy @ 1.50%	Fixed Rate Strategy (ROP) @ 1.50%
Point-to-Point Cap Index Strategy	Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP)	Point-to-Point Cap Index Strategy (ROP)

ING USA Annuity and Life
ING Secure Index Five -High

5 yrs

1.50%

100%

$1,077

09/01/10

0-80: 4.00+

see notes

Point-to-Point Cap Index Strategy	Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP)	Point-to-Point Cap Index Strategy (ROP)
Fixed Rate Strategy @ 1.50%	Fixed Rate Strategy (ROP) @ 1.50%

Approved by Cambridge Investment Research

Lincoln Benefit Life
Saver's Index Annuity Plus -Low

5 yrs

1.50%

100%

$1,077

08/30/10

0-75: 3.45
76-85: 2.40

see notes

Fixed @ 1.00%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark	1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap

Approved by Cambridge Investment Research

Lincoln Benefit Life
Saver's Index Annuity Plus -High

5 yrs

1.50%

100%

$1,077

08/30/10

0-75: 3.45
76-85: 2.40

see notes

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap	1-Year S&P 500 Monthly Cap
Fixed @ 1.00%

Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -Low

5 yrs

1.50%

100%

$1,077

08/30/10

0-75: 3.45
76-85: 2.40

Fixed @ 0.85%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Point-to-Point Low Watermark	1-Year S&P 500 Monthly Average w/ Cap
1-Year S&P 500 Monthly Cap

Lincoln Benefit Life
Saver's Index Annuity Plus (ROP) -High

5 yrs

1.50%

100%

$1,077

08/30/10

0-75: 3.45
76-85: 2.40

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Point-to-Point Low Watermark
1-Year S&P 500 Monthly Average w/ Cap	1-Year S&P 500 Monthly Cap
Fixed @ 0.85%

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 5 -Low

5 yrs

1.25%

100%

$1,064

09/01/10

0-75: 5.00+
76-80: 3.75+
81-85: 2.50+

see notes

Fixed @ 1.50%	1-Year Point-to-Point
1-Year Monthly Cap	1-Year Monthly Average

Approved by Cambridge Investment Research

Lincoln Financial Group
Lincoln OptiChoice 5 -High

5 yrs

1.25%

100%

$1,064

09/01/10

0-75: 5.00+
76-80: 3.75+
81-85: 2.50+

see notes

1-Year Point-to-Point	1-Year Monthly Cap
1-Year Monthly Average	Fixed @ 1.65%

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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