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Target Insurance Services - Current Annuity Rates

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Company	Product	Years Gtd	1st Year Rate	Rate Thereafter	Gtd Yield to Surrender	Commission
10 Year Interest Rate Guarantees
West Coast Life	Sure Advantage 10 High-Band [MVA]	10	3.75	3.75	3.85	2.50
ING USA Annuity and Life	Guaranteed Choice 10 High-Band [MVA]	10	4.70	3.70	3.80	see notes
West Coast Life	Sure Advantage 10 Low-Band [MVA]	10	3.75	3.75	3.75	2.50
American National Ins. Co.	Palladium MYG Annuity 10 High-Band [MVA]	10	4.65	3.65	3.75	4.00
Amer. General Life Ins. Co.	AG HorizonSelect 10 [MVA]	10	3.75	3.75	3.75	4.00
ING USA Annuity and Life	Guaranteed Choice 10 Low-Band [MVA]	10	3.70	3.70	3.70	see notes
American National Ins. Co.	Palladium MYG Annuity 10 Low-Band [MVA]	10	4.55	3.55	3.65	4.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10	3.65	3.65	3.65	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10	3.50	3.50	3.50	2.50
Amer. General Life Ins. Co.	AG Horizon Choice 10 [MVA]	10	3.45	3.45	3.45	5.00 +notes
Lincoln Benefit Life	Tactician Plus 10 Low-Band [MVA]	10	3.00	3.00	3.00	4.00 +notes
Lincoln Benefit Life	Tactician Plus 10 High-Band [MVA]	10	3.00	3.00	3.00	4.00 +notes
9 Year Interest Rate Guarantees
Amer. General Life Ins. Co.	AG Horizon Choice 9 [MVA]	9	3.85	3.85	3.85	2.65 +notes
West Coast Life	Sure Advantage 9 High-Band [MVA]	9	3.60	3.60	3.71	2.50
West Coast Life	Sure Advantage 9 Low-Band [MVA]	9	3.60	3.60	3.60	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	9	3.60	3.60	3.60	2.50
American National Ins. Co.	Palladium MYG Annuity 9 High-Band [MVA]	9	5.30	3.30	3.52	3.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	9	3.45	3.45	3.45	2.50
American National Ins. Co.	Palladium MYG Annuity 9 Low-Band [MVA]	9	5.20	3.20	3.42	3.00
Lincoln Benefit Life	Tactician Plus 9 Low-Band [MVA]	9	3.00	3.00	3.00	2.00 +notes
Lincoln Benefit Life	Tactician Plus 9 High-Band [MVA]	9	3.00	3.00	3.00	2.00 +notes
Principal Financial Group	Select Series 9 High-Band [MVA]	9	2.45	2.45	2.45	1.00
Principal Financial Group	Select Series 9 Low-Band [MVA]	9	2.25	2.25	2.25	1.00
8 Year Interest Rate Guarantees
American National Ins. Co.	Palladium MYG Annuity 8 High-Band [MVA]	8	3.80	3.80	3.80	2.50
American National Ins. Co.	Palladium MYG Annuity 8 Low-Band [MVA]	8	3.70	3.70	3.70	2.50
West Coast Life	Sure Advantage 8 High-Band [MVA]	8	3.45	3.45	3.58	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	8	3.55	3.55	3.55	2.50
Amer. General Life Ins. Co.	AG Horizon Choice 8 [MVA]	8	3.50	3.50	3.50	3.50 +notes
West Coast Life	Sure Advantage 8 Low-Band [MVA]	8	3.45	3.45	3.45	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 Low-Band [MVA]	8	3.40	3.40	3.40	2.50
ReliaStar Life Ins. Co. of NY	Classic Choice NY 8 [MVA]	8	3.00	3.00	3.00	1.90 +notes
Transamerica Life	Transamerica Select 8 High-Band	8	2.50	2.50	2.50	3.50
Lincoln Benefit Life	Tactician Plus 8 Low-Band [MVA]	8	2.45	2.45	2.45	4.00 +notes
Lincoln Benefit Life	Tactician Plus 8 High-Band [MVA]	8	2.45	2.45	2.45	4.00 +notes
Transamerica Life	Transamerica Select 8 Low-Band	8	2.25	2.25	2.25	3.50
7 Year Interest Rate Guarantees
American National Ins. Co.	Palladium MYG Annuity 7 High-Band [MVA]	7	4.45	3.45	3.59	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	7	3.50	3.50	3.50	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	7	3.50	3.50	3.50	2.50
American National Ins. Co.	Palladium MYG Annuity 7 Low-Band [MVA]	7	4.35	3.35	3.49	2.50
Amer. General Life Ins. Co.	AG HorizonSelect 7 [MVA]	7	3.45	3.45	3.45	4.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	7	3.35	3.35	3.35	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	7	3.35	3.35	3.35	2.50
West Coast Life	Sure Advantage 7 High-Band [MVA]	7	3.10	3.10	3.25	2.50
Amer. General Life Ins. Co.	AG HorizonSecure 7	7	3.25	3.25	3.25	4.00
Lincoln Financial Group	Lincoln ClassicSM 7 High-Band [MVA]	7	5.75	2.75	3.17	5.00
Lincoln Life & Annuity of New York	Lincoln Classic-NY 7 High-Band [MVA]	7	5.75	2.75	3.17	5.00
West Coast Life	Sure Advantage 7 Low-Band [MVA]	7	3.10	3.10	3.10	2.50
Amer. General Life Ins. Co.	AG Horizon Choice 7 [MVA]	7	3.05	3.05	3.05	4.50 +notes
Lincoln Life & Annuity of New York	Lincoln Classic-NY 7 Low-Band [MVA]	7	4.75	2.75	3.03	5.00
Lincoln Financial Group	Lincoln ClassicSM 7 Low-Band [MVA]	7	4.75	2.75	3.03	5.00
Sun Life Financial	Keyport Value Stepped-Up 7 High-Band [MVA, STEP RATE]	7		Step Rate	3.00	3.00
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 7 High-Band [MVA, STEP RATE]	7		Step Rate	3.00	5.00
ING USA Annuity and Life	Guarantee Choice 7 High-Band [MVA]	7	3.75	2.75	2.89	see notes
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 7 Low-Band [MVA, STEP RATE]	7		Step Rate	2.85	5.00
United States Life Ins. Co. (NY)	AG Horizon EmpireSecure 7	7	2.85	2.85	2.85
Sun Life Financial	Keyport Value Stepped-Up 7 Low-Band [MVA, STEP RATE]	7		Step Rate	2.85	3.00
Sun Life Financial	Keyport Value 7 High-Band [MVA]	7	3.70	2.70	2.84	3.00
Sun Life Ins. and Annuity of New York	Keyport Value 7 High-Band [MVA]	7	3.70	2.70	2.84	5.00
ING USA Annuity and Life	Guarantee Choice 7 Low-Band [MVA]	7	2.75	2.75	2.75	see notes
Sun Life Financial	Keyport Value 7 Low-Band [MVA]	7	3.55	2.55	2.69	3.00
Sun Life Ins. and Annuity of New York	Keyport Value 7 Low-Band [MVA]	7	3.55	2.55	2.69	5.00
Transamerica Life	Transamerica Select 7 High-Band	7	2.25	2.25	2.25	3.50
Lincoln Benefit Life	Tactician Plus 7 Low-Band [MVA]	7	2.25	2.25	2.25	4.00 +notes
Lincoln Benefit Life	Tactician Plus 7 High-Band [MVA]	7	2.25	2.25	2.25	4.00 +notes
Principal Financial Group	FPDA+ 7-Year Guaranty	7	2.15	2.15	2.15	2.25
Transamerica Life	Transamerica Select 7 Low-Band	7	2.00	2.00	2.00	3.50
6 Year Interest Rate Guarantees
American National Ins. Co.	Palladium MYG Annuity 6 High-Band [MVA]	6	3.35	3.35	3.35	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	6	3.30	3.30	3.30	2.25
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	6	3.30	3.30	3.30	2.25
American National Ins. Co.	Palladium MYG Annuity 6 Low-Band [MVA]	6	3.25	3.25	3.25	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	6	3.15	3.15	3.15	2.25
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	6	3.15	3.15	3.15	2.25
ReliaStar Life Ins. Co. of NY	Classic Choice NY 6 [MVA]	6	3.00	3.00	3.00	1.90 +notes
West Coast Life	Sure Advantage 6 High-Band [MVA]	6	2.75	2.75	2.92	2.25
West Coast Life	Sure Advantage 6 Low-Band [MVA]	6	2.75	2.75	2.75	2.25
Principal Financial Group	Select Series 6 High-Band [MVA]	6	2.65	2.65	2.65	1.00
Principal Financial Group	Secure Fixed Annuity 6-Year Guarantee	6	2.50	2.50	2.50	4.10
Principal Financial Group	Select Series 6 Low-Band [MVA]	6	2.45	2.45	2.45	1.00
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 6 High-Band [MVA, STEP RATE]	6		Step Rate	2.45	4.50
Sun Life Financial	Keyport Value Stepped-Up 6 High-Band [MVA, STEP RATE]	6		Step Rate	2.45	3.00
Sun Life Financial	Keyport Value 6 High-Band [MVA]	6	3.20	2.20	2.37	3.00
Sun Life Ins. and Annuity of New York	Keyport Value 6 High-Band [MVA]	6	3.20	2.20	2.37	4.50
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 6 Low-Band [MVA, STEP RATE]	6		Step Rate	2.30	4.50
Sun Life Financial	Keyport Value Stepped-Up 6 Low-Band [MVA, STEP RATE]	6		Step Rate	2.30	3.00
Sun Life Financial	Keyport Value 6 Low-Band [MVA]	6	3.05	2.05	2.22	3.00
Sun Life Ins. and Annuity of New York	Keyport Value 6 Low-Band [MVA]	6	3.05	2.05	2.22	4.50
Lincoln Benefit Life	Tactician Plus 6 Low-Band [MVA]	6	2.15	2.15	2.15	2.00 +notes
Lincoln Benefit Life	Tactician Plus 6 High-Band [MVA]	6	2.15	2.15	2.15	2.00 +notes
Transamerica Life	Transamerica Select 6 High-Band	6	1.95	1.95	1.95	3.50
Lincoln Benefit Life	SureHorizon II 6 High-Band	6	2.75	1.75	1.92	4.00 +notes
Transamerica Life	Transamerica Select 6 Low-Band	6	1.70	1.70	1.70	3.50
Lincoln Benefit Life	SureHorizon II 6 Low-Band	6	2.50	1.50	1.67	4.00 +notes
5 Year Interest Rate Guarantees
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	5	3.15	3.15	3.15	2.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	5	3.15	3.15	3.15	2.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	5	3.00	3.00	3.00	2.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	5	3.00	3.00	3.00	2.00
ReliaStar Life Ins. Co. of NY	Classic Choice NY 5 [MVA]	5	3.00	3.00	3.00	1.90 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 5 [MVA]	5	2.85	2.85	2.85	4.00
American National Ins. Co.	Palladium MYG Annuity 5 High-Band [MVA]	5	3.60	2.60	2.80	4.00
American National Ins. Co.	Palladium MYG Annuity 5 Low-Band [MVA]	5	3.50	2.50	2.70	4.00
Lincoln Financial Group	Lincoln ClassicSM 5 High-Band [MVA]	5	4.30	2.30	2.70	4.00
Lincoln Life & Annuity of New York	Lincoln Classic-NY 5 High-Band [MVA]	5	4.30	2.30	2.70	4.00
Amer. General Life Ins. Co.	AG HorizonSecure 5	5	2.65	2.65	2.65	4.00
Amer. General Life Ins. Co.	AG Horizon Choice 5 [MVA]	5	2.60	2.60	2.60	2.40 +notes
West Coast Life	Sure Advantage 5 High-Band [MVA]	5	2.40	2.40	2.60	2.00
Lincoln Life & Annuity of New York	Lincoln Classic-NY 5 Low-Band [MVA]	5	3.30	2.30	2.50	4.00
Lincoln Financial Group	Lincoln ClassicSM 5 Low-Band [MVA]	5	3.30	2.30	2.50	4.00
West Coast Life	Sure Advantage 5 Low-Band [MVA]	5	2.40	2.40	2.40	2.00
Genworth Life of New York	SecureLiving Stables 5 NY High-Band	5	2.25	2.25	2.25	3.00
Genworth Life Ins. Co.	SecureLiving Stable 5 High-Band	5	2.25	2.25	2.25	3.00
Principal Financial Group	Guaranteed Annuity 5-Year Guaranty	5	2.20	2.20	2.20	4.10
Genworth Life of New York	SecureLiving Stables 5 NY Mid-Band	5	2.15	2.15	2.15	3.00
United States Life Ins. Co. (NY)	AG Horizon EmpireSecure 5 [LOAN]	5	2.15	2.15	2.15
Genworth Life Ins. Co.	SecureLiving Stable 5 Mid-Band	5	2.15	2.15	2.15	3.00
Genworth Life Ins. Co.	SecureLiving Stable 5 Low-Band	5	2.00	2.00	2.00	3.00
Genworth Life of New York	SecureLiving Stables 5 NY Low-Band	5	2.00	2.00	2.00	3.00
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 5 High-Band [MVA, STEP RATE]	5		Step Rate	1.96	4.00
Sun Life Ins. and Annuity of New York	Keyport Value 5 High-Band [MVA]	5	2.75	1.75	1.95	4.00
Sun Life Financial	Keyport Value Stepped-Up 5 High-Band [MVA, STEP RATE]	5		Step Rate	1.95	3.50
Sun Life Financial	Keyport Value 5 High-Band [MVA]	5	2.75	1.75	1.95	3.50
Transamerica Life	Transamerica Select 5 High-Band	5	1.85	1.85	1.85	3.25
Sun Life Ins. and Annuity of New York	Keyport Value Stepped Up 5 Low-Band [MVA, STEP RATE]	5		Step Rate	1.80	4.00
Sun Life Ins. and Annuity of New York	Keyport Value 5 Low-Band [MVA]	5	2.60	1.60	1.80	4.00
Sun Life Financial	Keyport Value 5 Low-Band [MVA]	5	2.60	1.60	1.80	3.50
Sun Life Financial	Keyport Value Stepped-Up 5 Low-Band [MVA, STEP RATE]	5		Step Rate	1.80	3.50
Lincoln Benefit Life	Tactician Plus 5 Low-Band [MVA]	5	1.65	1.65	1.65	4.00 +notes
Lincoln Benefit Life	Tactician Plus 5 High-Band [MVA]	5	1.65	1.65	1.65	4.00 +notes
Transamerica Life	Transamerica Select 5 Low-Band	5	1.60	1.60	1.60	3.25
Lincoln Benefit Life	Treasury-Linked Annuity	5	1.55	1.55	1.55	3.00
4 Year Interest Rate Guarantees
Principal Financial Group	Secure Fixed Annuity 4-Year Guarantee	4	2.45	2.45	2.45	2.25
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 4 High-Band [MVA]	4	2.45	2.45	2.45	1.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 4 High-Band [MVA]	4	2.45	2.45	2.45	1.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 4 Low-Band [MVA]	4	2.30	2.30	2.30	1.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 4 Low-Band [MVA]	4	2.30	2.30	2.30	1.00
American National Ins. Co.	Palladium MYG Annuity 4 High-Band [MVA]	4	2.25	2.25	2.25	2.00
American National Ins. Co.	Palladium MYG Annuity 4 Low-Band [MVA]	4	2.15	2.15	2.15	2.00
West Coast Life	Sure Advantage 4 High-Band [MVA]	4	1.75	1.75	1.88	1.50
West Coast Life	Sure Advantage 4 Low-Band [MVA]	4	1.75	1.75	1.75	1.50
Transamerica Life	Transamerica Select 4 High-Band	4	1.75	1.75	1.75	2.25
Transamerica Life	Transamerica Select 4 Low-Band	4	1.50	1.50	1.50	2.25
3 Year Interest Rate Guarantees
American National Ins. Co.	Palladium MYG Annuity 3 High-Band [MVA]	3	2.10	2.10	2.10	1.50
American National Ins. Co.	Palladium MYG Annuity 3 Low-Band [MVA]	3	2.00	2.00	2.00	1.50
Principal Financial Group	Select Series 3 [MVA]	3	1.90	1.90	1.90	1.00
Principal Financial Group	Select Series 3 High-Band [MVA]	3	1.90	1.90	1.90	1.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 3 High-Band [MVA]	3	1.80	1.80	1.80	1.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 3 High-Band	3	1.80	1.80	1.80	0.65
West Coast Life	Sure Advantage 3 High-Band [MVA]	3	1.50	1.50	1.67	1.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 3 Low-Band [MVA]	3	1.65	1.65	1.65	1.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 3 Low-Band	3	1.65	1.65	1.65	0.65
West Coast Life	Sure Advantage 3 Low-Band [MVA]	3	1.50	1.50	1.50	1.00

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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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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