Fixed Annuity Detail Sheet

For more Information Contact Mark Perry
Toll Free: 800-999-3026 ext. 2264
Phone: 913-661-5132
markp@targetins.com
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

Showing 1-50 of 79    Display: Print/Save |<  <<   Page 1 of 2   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

American General Life Insurance Company

AG HorizonMYG (CA)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA 		0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
For states CA (10 years): 10 9 8 7 6 5 4 3 2 1
For states OH (9 years): 9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA 		0-74: 5.00+
75-80: 3.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 8.55 1.00 2.23 1.73

American National Insurance Company

Palladium Century 5
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA 		0-74: 6.00+
75-80: 3.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 6.55 1.00 2.04 1.54

American National Insurance Company

Palladium Century 3
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA 		0-74: 7.00+
75-UP: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 4.55 1.00 1.85 1.35

American General Life Insurance Company

AG HorizonMYG
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA NJ NY PR UT VI 		0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, OR, PA, RI, SD, TN, TX, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
For states DE, NV, OH (9 years): 9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 5.35 1.35 1.74 1.60

American National Insurance Company

Palladium Century 1
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NV NY OR PA TX UT VI WA 		0-74: 8.00+
75-90: 5.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 2.55 1.00 1.65 1.15
Surrender Charges Last 9 Years

American General Life Insurance Company

AG HorizonPlus (CA)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA 		0-75: 6.00
76-80: 3.20
81-85: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65

American General Life Insurance Company

AG HorizonPlus
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA MN MO NJ NY OH OR PA PR UT VI WA 		0-75: 6.00
76-80: 3.20
81-85: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 7.25 1.25 1.90 1.82
Surrender Charges Last 8 Years

American General Life Insurance Company

AG HorizonFlex (CA)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

CA 		0-75: 5.00
76-80: 4.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
For states CA (8 years): 8 8 8 7 6 5 3 1
For states OH (8 years): 8 7 6 6 5 4 3 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4 2.00 2.25 2.25

American General Life Insurance Company

AG HorizonFlex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA NY PR UT VI 		0-75: 5.00
76-80: 4.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY (8 years): 8 8 8 7 6 5 3 1
For states NV, OH (8 years): 8 7 6 6 5 4 3 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 3.6 1.50 1.85 1.76

United States Life Insurance Co. (NY)

AG HorizonFlex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 5.00+
76-80: 4.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
8 7 6 6 5 4 3 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 3.6 1.50 1.85 1.76
Surrender Charges Last 7 Years

American National Life Insurance Company of NY

WealthQuest Citadel 7 Diamond

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-80: 3.50+
81-85: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 3.35 1.00 2.20 2.15

American National Life Insurance Company of NY

WealthQuest Citadel 7 Diamond

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-80: 3.50+
81-85: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 3.25 1.00 2.10 2.10

Genworth Life Insurance Company

SecureLiving SmartRate

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1.75% 3.3 1.00 1.80 1.33

Genworth Life of New York

SecureLiving SmartRate NY (1)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1.5% 3 1.00 1.71 1.28

Genworth Life Insurance Company

SecureLiving SmartRate

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 2.55 1.00 1.69 1.22

American National Insurance Company

Citadel 7 Diamond

High-Band
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY VI 		0-80: 3.50+
81-85: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 3.35 1.35 1.63 1.38

Genworth Life of New York

SecureLiving SmartRate NY (1)

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 0.75% 2.25 1.00 1.61 1.18

Genworth Life Insurance Company

SecureLiving SmartRate

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 0.25% 1.8 1.00 1.59 1.11

Genworth Life Insurance Company

SecureLiving SmartRate 3

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.9% 2.1 1.00 1.58 1.47

American National Insurance Company

Palladium Century
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:100
Monthly:100
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AL CT IL MA MN NJ NY OR PA UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
9 8 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.55 1.00 1.55 1.08

American National Insurance Company

Citadel 7 Diamond

Low-Band
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY VI 		0-80: 3.50+
81-85: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 3.25 1.25 1.53 1.35

Genworth Life of New York

SecureLiving SmartRate NY (1)

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.5 1.00 1.50 1.07

Genworth Life Insurance Company

SecureLiving SmartRate 5

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.6% 1.65 1.00 1.48 1.46

Protective Life Corporation

ProSaver Secure II Fixed Annuity 1

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 4.05 1.00 1.47 1.43

Genworth Life Insurance Company

SecureLiving SmartRate 3

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.5% 1.7 1.00 1.41 1.30

American National Insurance Company

Palladium Advisor
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:0
Annuitant:0
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:0
Monthly:0
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NJ NY PR UT VI 		0-80: 3.00+
81-UP: 1.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 2.25 1.00-2.00 1.39 1.18

Genworth Life Insurance Company

SecureLiving SmartRate 5

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.4% 1.45 1.00 1.34 1.32

Genworth Life of New York

SecureLiving SmartRate NY (3)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.8% 2 1.20 1.31 1.20

Principal Financial Group

FPDA Plus 5-Year Guaranty
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:4,000
Monthly:4,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

NY PR VI 		0-80: 4.50
81-85: 3.00
86-90: 1.85
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
6 6 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed 5 Years none 1.3 1.00 1.30 1.21

Protective Life Corporation

ProSaver Secure II Fixed Annuity 1

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 3 1.00 1.28 1.28

Genworth Life of New York

SecureLiving SmartRate NY (3)

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.4% 1.6 1.20 1.26 1.14

Protective Life Corporation

ProSaver Secure II Fixed Annuity 2

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 1.5% 2.55 1.05 1.26 1.23

Genworth Life Insurance Company

SecureLiving SmartRate 3

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.1% 1.3 1.00 1.24 1.13

Genworth Life of New York

SecureLiving SmartRate NY (3)

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed 3 Years none 1.2 1.00 1.20 1.09

Principal Financial Group

FPDA Plus 7-Year Guaranty
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:40,000
Monthly:40,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

NY PR VI 		0-80: 4.50
81-85: 3.00
86-90: 1.85
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
6 6 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1.2 1.00 1.20 1.03

Protective Life Corporation

ProSaver Secure II Fixed Annuity 4

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 4 		Yield to SurrenderTM
Current Guarant'd
4 Year Fixed with Bonus 4 Years 0.75% 1.8 1.05 1.16 1.14

Principal Financial Group

FPDA Plus 1-Year Guaranty

High-Band
Non-Qualified
Owner:90
Annuitant:0
Qualified
Owner:90
Annuitant:0
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

NY PR VI 		0-80: 4.50
81-85: 3.00
86-UP: 1.85
Withdrawal Notes: Premium Bonus: 1.00
Withdrawal Charges 7 years:
6 6 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.14 1.14

Protective Life Corporation

ProSaver Secure II Fixed Annuity 2

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 1% 2 1.00 1.14 1.14

Protective Life Corporation

ProSaver Secure II Fixed Annuity 6

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 0.6% 1.65 1.05 1.14 1.13

Genworth Life of New York

SecureLiving SmartRate NY (5)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.55% 1.6 1.05 1.13 1.11

Genworth Life of New York

SecureLiving SmartRate NY (5)

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.35% 1.4 1.05 1.10 1.09

Genworth Life Insurance Company

SecureLiving SmartRate 5

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY OR PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.05% 1.1 1.00 1.09 1.07

Principal Financial Group

FPDA Plus 1-Year Guaranty

Low-Band
Non-Qualified
Owner:90
Annuitant:0
Qualified
Owner:90
Annuitant:0
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Not
Available in:

NY PR VI 		0-80: 4.50
81-85: 3.00
86-UP: 1.85
Withdrawal Notes: Premium Bonus: 0.50
Withdrawal Charges 7 years:
6 6 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00 1.07 1.07

Protective Life Corporation

ProSaver Secure II Fixed Annuity 4

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 4 		Yield to SurrenderTM
Current Guarant'd
4 Year Fixed with Bonus 4 Years 0.5% 1.5 1.00 1.07 1.07

Genworth Life of New York

SecureLiving SmartRate NY (5)

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed 5 Years none 1.05 1.00 1.05 1.04

Protective Life Corporation

ProSaver Secure II Fixed Annuity 6

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:2,000
Monthly:2,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-75: 4.00
76-80: 2.00
81-85: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
8 8 7 6.5 5.5 4.5 3
Rate Changed: 01/31/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : 02/15/12
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 0.35% 1.35 1.00 1.05 1.05

American National Insurance Company

Palladium Group Fixed Deferred
Non-Qualified
Owner:
Annuitant:85
Qualified
Owner:
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-UP: 4.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
9 8 7 6 5 4 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 1 1.00-3.00 1.00 1.00
Surrender Charges Last 6 Years

Genworth Life of New York

SecureLiving Independence NY

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 2.25
76-80: 1.31
81-85: 0.94
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 6 years:
9 9 8 7 6 5
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 4.05 2.05 2.38 2.01

Genworth Life of New York

SecureLiving Independence NY

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY 		0-75: 2.25
76-80: 1.31
81-85: 0.94
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 6 years:
9 9 8 7 6 5
Rate Changed: 02/08/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 1.5% 3.55 2.05 2.30 1.93
Showing 1-50 of 79    Display: Page:   1 | 2

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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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