Fixed Indexed Annuities

Target Insurance Services - Current Annuity Rates
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Featured Products
Surrender Charges Last 10 Years
Approved by Cambridge Investment Research
Lincoln Benefit Life
Savers Index III -Low
10 yrs 85 (NQ) 3.00% 90.00% $1,210 11/02/08 0-75: 8.00
76-90: 5.50
Account B Option 1
Approved by Cambridge Investment Research
Lincoln Benefit Life
Savers Index III -High
10 yrs 85 (NQ) 3.00% 90.00% $1,210 11/02/08 0-75: 8.00
76-90: 5.50
Option 1 Account B
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 3.00% 1.80% 90.00% $1,108 11/08/08 0-75: 7.00
76-80: 4.75
2-Year Monthly Cap Performance Triggered @ 7.85%
Fixed @ 4.50% 2-Year Point to Point
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 3.00% 1.80% 90.00% $1,108 11/08/08 0-75: 7.00
76-80: 4.75
Fixed @ 4.50% 2-Year Point to Point
2-Year Monthly Cap Performance Triggered @ 7.85%
Surrender Charges Last 9 Years
Approved by Cambridge Investment Research
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80 2.00% 100% $1,195 10/29/08 0-81: 6.50
1-Year Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 4.45%
1-Year Point-to-Point Participation Index Strategy
Approved by Cambridge Investment Research
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80 2.00% 100% $1,195 10/29/08 0-81: 6.50
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Cap Index Strategy
Fixed Rate Strategy @ 4.45%
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80 1.75% 91.00% $1,064 11/08/08 0-75: 7.00
76-80: 5.25
Fixed @ 4.75% 1-Year Monthly Cap
1-Year Point-to-Point 1-Year Monthly Average
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80 1.75% 91.00% $1,064 11/08/08 0-75: 7.00
76-80: 5.25
1-Year Point-to-Point 1-Year Monthly Average
Fixed @ 4.90% 1-Year Monthly Cap
Surrender Charges Last 8 Years
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85 2.00% 91.00% $1,066 11/08/08 0-75: 4.50
76-80: 3.50
81-85: 2.25
Performance Triggered Fixed @ 5.10%

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85 2.00% 91.00% $1,066 11/08/08 0-75: 4.50
76-80: 3.50
81-85: 2.25
Fixed @ 5.25% 2-Year Point to Point
Performance Triggered
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 2.00% 1.60% 91.00% $1,054 11/08/08 0-75: 6.00
76-80: 4.00
81-85: 2.00
2-Year Monthly Cap Performance Triggered
Fixed @ 4.50% 2-Year Point to Point
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 2.00% 1.60% 91.00% $1,054 11/08/08 0-75: 6.00
76-80: 4.00
81-85: 2.00
Fixed @ 4.50% 2-Year Point to Point
2-Year Monthly Cap Performance Triggered
Surrender Charges Last 7 Years
Approved by Cambridge Investment Research
Lincoln Benefit Life
Savers Index I -Low
7 yrs 75 (NQ) 3.00% 90.00% $1,107 11/02/08 0-74: 5.00
75-90: 3.50
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 11/02/08 0-74: 5.00
75-90: 3.50
Option 1 Option 2
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85 1.50% 91.00% $1,010 11/08/08 0-75: 6.00
76-80: 4.50
81-85: 3.00
Fixed @ 4.70% 1-Year Monthly Cap
1-Year Point-to-Point 1-Year Monthly Average
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85 1.50% 91.00% $1,010 11/08/08 0-75: 6.00
76-80: 4.50
81-85: 3.00
1-Year Point-to-Point 1-Year Monthly Average
Fixed @ 4.85% 1-Year Monthly Cap
Surrender Charges Last 6 Years
Approved by Cambridge Investment Research
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -Low
6 yrs 2.00% 100% $1,126 10/29/08 0-81: 1.50
1-Year Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 3.90%
1-Year Point-to-Point Participation Index Strategy
Approved by Cambridge Investment Research
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -High
6 yrs 2.00% 100% $1,126 10/29/08 0-81: 1.50
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Cap Index Strategy
Fixed Rate Strategy @ 3.90%
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85 2.00% 91.00% $1,025 11/08/08 0-75: 3.50
76-80: 2.75
81-85: 1.75
Fixed @ 5.00% 2-Year Point to Point
Performance Triggered
Approved by Cambridge Investment Research
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85 2.00% 91.00% $1,025 11/08/08 0-75: 3.50
76-80: 2.75
81-85: 1.75
Performance Triggered Fixed @ 5.15%
2-Year Point to Point
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