MYGA

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
Lincoln Financial Group Lincoln Select 10 High-Band [MVA]	A+	50,000	05/17/12	1-10	2.80	2.80	Call
Lincoln Financial Group Lincoln Select 10 High-Band [MVA]	A+	50,000	05/17/12			2.80	Call
American National Life Insurance Company of NY Palladium MYG 10 High-Band	A	100,000	05/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	05/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
American National Insurance Company Palladium MYG Annuity 10 High-Band [MVA]	A	100,000	05/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	05/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
Lincoln Financial Group Lincoln Select 10 Low-Band [MVA]	A+	10,000	05/17/12	1-10	2.65	2.65	Call
Lincoln Financial Group Lincoln Select 10 Low-Band [MVA]	A+	10,000	05/17/12			2.65	Call
American National Insurance Company Palladium MYG Annuity 10 Low-Band [MVA]	A	5,000	05/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	05/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	05/01/12	1-10	2.55	2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	05/01/12			2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
American National Life Insurance Company of NY Palladium MYG 10 Low-Band	A	5,000	05/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	05/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	05/01/12	1-10	2.40	2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000	05/21/12	1-10	2.00	2.00	0-80: 4.00+ 81-85: 3.00+ see notes
	A	5,000	05/21/12			2.00	0-80: 4.00+ 81-85: 3.00+ see notes
American General Life Insurance Company AG HorizonSelect 10 (CA) [MVA]	A	5,000	05/21/12	1-10	2.00	2.00	0-80: 4.00 81-85: 3.00 see notes
	A	5,000	05/21/12			2.00	0-80: 4.00 81-85: 3.00 see notes
ING Annuity and Asset Sales Guarantee Choice 10 High-Band [MVA]	A	75,000	05/02/12	1	2.75	1.85	0-80: 3.25+ see notes
	A	75,000	05/02/12	2-10	1.75	1.85	0-80: 3.25+ see notes
ING Annuity and Asset Sales Guarantee Choice 10 Low-Band [MVA]	A	15,000	05/02/12	1-10	1.75	1.75	0-80: 3.25+ see notes
	A	15,000	05/02/12			1.75	0-80: 3.25+ see notes

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 9 Years
American National Insurance Company Palladium MYG Annuity 9 High-Band [MVA]	A	100,000	05/01/12	1	4.45	2.67	0-79: 3.00 80-85: 1.00
	A	100,000	05/01/12	2-9	2.45	2.67	0-79: 3.00 80-85: 1.00
Lincoln Financial Group Lincoln Select 9 High-Band [MVA]	A+	50,000	05/17/12	1-9	2.60	2.60	Call
Lincoln Financial Group Lincoln Select 9 High-Band [MVA]	A+	50,000	05/17/12			2.60	Call
American National Insurance Company Palladium MYG Annuity 9 Low-Band [MVA]	A	5,000	05/01/12	1	4.35	2.57	0-79: 3.00 80-85: 1.00
	A	5,000	05/01/12	2-9	2.35	2.57	0-79: 3.00 80-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	A+	100,000	05/01/12	1-9	2.55	2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	05/01/12			2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln Select 9 Low-Band [MVA]	A+	10,000	05/17/12	1-9	2.45	2.45	Call
Lincoln Financial Group Lincoln Select 9 Low-Band [MVA]	A+	10,000	05/17/12			2.45	Call
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	05/01/12	1-9	2.40	2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	05/01/12			2.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 8 Years
American National Insurance Company Palladium MYG Annuity 8 High-Band [MVA]	A	100,000	05/01/12	1-8	2.65	2.65	0-79: 2.50 80-85: 0.50
	A	100,000	05/01/12			2.65	0-79: 2.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 8 Low-Band [MVA]	A	5,000	05/01/12	1-8	2.55	2.55	0-79: 2.50 80-85: 0.50
	A	5,000	05/01/12			2.55	0-79: 2.50 80-85: 0.50

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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