MYGA Detail Sheet

State - AK AL AR AZ CA 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 NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Amer. National Life Ins. Co. of NY Assurity Life Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life National Western Life North American Company Protective Life Corporation Royal Neighbors of America Security Benefit Life Symetra Life Insurance Co. The Standard VALIC Western National Life Ins. Co. Rate Gtd - 1 yr 2 yrs 3 yrs 4 yrs 5 yrs 6 yrs 7 yrs 8 yrs 9 yrs 10 yrs 11 yrs 12 yrs 13 yrs 14 yrs 15 yrs Age Comm %

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 15 Years
Protective Life Corporation ProSaver Platinum 15 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY OR PR VI WA	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		6 6 5 4 3 2 1 0 0 0 0 0 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-15 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 15 Year MYGA 15 Years none 2.75 1.00 2.75 2.75
Protective Life Corporation ProSaver Platinum 15 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY OR PR VI WA	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		6 6 5 4 3 2 1 0 0 0 0 0 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-15 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 15 Year MYGA 15 Years none 2.5 1.00 2.50 2.50
Surrender Charges Last 10 Years
EquiTrust Life Insurance Company Certainty 10	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: IN MN	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.5 8 7.5 7 6.5 6 5.5 5 4.5	Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 2.00 3.50 3.50
EquiTrust Life Insurance Company Certainty Select 10	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5 For states AK, SC, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1			Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 1.00 3.50 3.50
North American Company Guarantee Choice 10 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2 For states CA (10 years): 10 10 9 9 8 8 7 7 6 6 For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75 For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.15 1.00 3.15 3.15
North American Company Guarantee Choice 10 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2 For states CA (10 years): 10 10 9 9 8 8 7 7 6 6 For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75 For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 1.00 3.00 3.00
American National Insurance Company Palladium MYG Annuity 9 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	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: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.45 2.45 2.67 2.67
American National Insurance Company Palladium MYG Annuity 10 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	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: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65
American National Insurance Company Palladium MYG Annuity 8 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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.65 1.00-1.50 2.65 2.65
American National Life Insurance Company of NY Palladium MYG 10 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	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65
American National Insurance Company Palladium MYG Annuity 9 Low-Band	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	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: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.35 2.35 2.57 2.57
American National Insurance Company Palladium MYG Annuity 10 Low-Band	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	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: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55
American National Insurance Company Palladium MYG Annuity 8 Low-Band	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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.55 1.00-1.50 2.55 2.55
American National Life Insurance Company of NY Palladium MYG 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	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	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 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	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.55 1.00 2.55 2.55
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 10 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	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 6 5 4 3 2 1 0 0 0	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.55 1.00 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.4 1.00 2.40 2.40
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 6 5 4 3 2 1 0 0 0	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.4 1.00 2.40 2.40
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA - OR	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: OR	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1.5 0.75	Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	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 MYGA 5 Years none 2.3 2.00 2.30 2.30
American National Insurance Company Palladium MYG Annuity 7 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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
American National Life Insurance Company of NY Palladium MYG 7 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	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29
Protective Life Corporation ProSaver Platinum 10 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY OR PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		6 6 5 4 3 2 1 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.2 1.00 2.20 2.20
American National Insurance Company Palladium MYG Annuity 7 Low-Band	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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.05 2.05 2.19 2.19
American National Life Insurance Company of NY Palladium MYG 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	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	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.05 2.05 2.19 2.19
Allianz Life Insurance Company of North America Dominator Plus 10 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  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 4.00 76-80: 3.00 81-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 3.00 2.00 2.00
American General Life Insurance Company AG Horizon Achiever (CA)	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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	Only Available in: CA	0-80: 3.00 81-85: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 2.00 2.00 2.00
American General Life Insurance Company AG HorizonSecure 7 (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	0-80: 4.00 81-85: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2 2.00 2.00 2.00
American General Life Insurance Company AG HorizonSelect 10	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 DE MN MO NJ NV NY OH OR PA PR SC TX UT VI WA	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 1.00-2.00 2.00 2.00
American General Life Insurance Company AG HorizonSelect 10 (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	0-80: 4.00 81-85: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 2.00 2.00 2.00
American General Life Insurance Company AG HorizonSelect 5 (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	0-80: 4.00 81-85: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%	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 MYGA 5 Years none 2 2.00 2.00 2.00
American General Life Insurance Company AG HorizonSelect 7 (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  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA	0-80: 4.00 81-85: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2 2.00 2.00 2.00
American National Insurance Company Palladium MYG Annuity 6 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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 1.00-1.50 2.00 2.00
American National Life Insurance Company of NY Palladium MYG 6 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	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 1.00 2.00 2.00
Protective Life Corporation ProSaver Platinum 10 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY OR PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		6 6 5 4 3 2 1 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.95 1.00 1.95 1.95
Allianz Life Insurance Company of North America Dominator Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 4.00 76-80: 3.00 81-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.9 3.00 1.90 1.90
American National Insurance Company Palladium MYG Annuity 6 Low-Band	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	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: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.9 1.00-1.50 1.90 1.90
American National Life Insurance Company of NY Palladium MYG 6 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	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	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.9 1.00 1.90 1.90
ING Annuity and Asset Sales Guarantee Choice 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 05/02/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 2.75 1.75 1.85 1.85
Protective Life Corporation FutureSaver II Annuity 10 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.75 1.00 1.85 1.85
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) WA	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: WA	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.25 7.25 6.5 5.5 4.5 3.5 2.5 1.5 0.75	Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	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 MYGA 5 Years none 1.8 2.00 1.80 1.80

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
American General Life Insurance Company AG HorizonSelect 7	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	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, 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, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.8 1.00 1.80 1.80
American General Life Insurance Company AG Horizon Achiever	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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	0-80: 3.00+ 81-85: 2.00+ see notes
	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, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.75 1.00 1.75 1.75
ING Annuity and Asset Sales Guarantee Choice 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 05/02/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.75 1.50 1.75 1.75
Protective Life Corporation FutureSaver II Annuity 10 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.75 1.00 1.75 1.75
Protective Life Corporation FutureSaver II Annuity 10 (ROP) Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.7 1.00 1.70 1.70
Protective Life Corporation FutureSaver II Annuity 10 (ROP) 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.7 1.00 1.70 1.70
American General Life Insurance Company AG HorizonSecure 7	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	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, 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, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states NV, OH (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.55 1.00 1.55 1.55
Allianz Life Insurance Company of North America Dominator Plus 5 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 3.00 76-80: 2.00 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	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 MYGA 5 Years none 1.5 3.00 1.50 1.50
Allianz Life Insurance Company of North America Dominator Plus 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  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN MO NY OR PR VI	0-75: 3.00 76-80: 2.00 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.1 7.2 6.3 5.4 4.5 3.6 2.7 1.8 0.9	Rate Changed: 02/07/12
	Guaranteed Minimum Value:		90% of Premium at 3.00%	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 MYGA 5 Years none 1.5 3.00 1.50 1.50
American National Insurance Company Palladium MYG Annuity 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	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: NY UT VI	0-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 2.1 1.10 1.30 1.30
American National Life Insurance Company of NY Palladium MYG 5 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	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	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 MYGA with Bonus 5 Years 1% 2.1 1.10 1.30 1.30
American General Life Insurance Company AG HorizonSelect 5	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	0-80: 4.00+ 81-85: 3.00+ see notes
	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, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 05/21/12
	Guaranteed Minimum Value:		90% 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 MYGA 5 Years none 1.2 1.00 1.20 1.20
American National Insurance Company Palladium MYG Annuity 5 Low-Band	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	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: NY UT VI	0-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 2 1.00 1.20 1.20
American National Life Insurance Company of NY Palladium MYG 5 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	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	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	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 MYGA with Bonus 5 Years 1% 2 1.00 1.20 1.20
American General Life Insurance Company AG HorizonSecure 5	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 TX UT VI	0-80: 4.00+ 81-85: 3.00+ see notes
	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, VA, VT, WA, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states NV, OH (9 years): 9 8 7 6 5 4 3 2 1			Rate Changed: 05/21/12
	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 MYGA 5 Years none 1 1.00 1.00 1.00
Surrender Charges Last 9 Years
North American Company Guarantee Choice 9 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years): 10 10 10 10 10 9 8 6 4 For states CA (9 years): 10 10 9 9 8 8 7 7 6 For states FL, IL (9 years): 9 8 7 6 5 4 3 2 1 For states TX (9 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3 1.00 3.00 3.00
Minnesota Life SecureOption Select 9-Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	Not Available in: NY PR VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 8 7 6 5 4 3 2	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.8 1.50 2.80 2.80
North American Company Guarantee Choice 9 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (9 years): 10 10 10 10 10 9 8 6 4 For states CA (9 years): 10 10 9 9 8 8 7 7 6 For states FL, IL (9 years): 9 8 7 6 5 4 3 2 1 For states TX (9 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.8 1.00 2.80 2.80
The Standard Focused Growth Annuity 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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	Not Available in: CA NY PR VI	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 5 4 3 2 1 0.9	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.7 1.00 2.70 2.70
Minnesota Life SecureOption Select 9-Year Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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 WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 8 7 6 5 4 3 2	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.6 1.50 2.60 2.60

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
The Standard Focused Growth Annuity 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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	Not Available in: CA NY PR VI	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 5 4 3 2 1 0.9	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.6 1.00 2.60 2.60
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 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	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.55 1.00 2.55 2.55
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 9 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	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.55 1.00 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.4 1.00 2.40 2.40
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.4 1.00 2.40 2.40
Protective Life Corporation ProSaver Platinum 9 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		6 6 5 4 3 2 1 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.05 1.00 2.05 2.05
Protective Life Corporation ProSaver Platinum 9 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		6 6 5 4 3 2 1 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.8 1.00 1.80 1.80
Protective Life Corporation FutureSaver II Annuity 9 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.6 1.00 1.71 1.71
Protective Life Corporation FutureSaver II Annuity 9 (ROP) 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.55 1.00 1.66 1.66
ING Annuity and Asset Sales Guarantee Choice 7 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 05/02/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 2.5 1.50 1.64 1.64
Protective Life Corporation FutureSaver II Annuity 9 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.6 1.00 1.60 1.60
Protective Life Corporation FutureSaver II Annuity 9 (ROP) Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.25 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.55 1.00 1.55 1.55
ING Annuity and Asset Sales Guarantee Choice 7 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 05/02/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.5 1.50 1.50 1.50
Royal Neighbors of America Choice 3 High-Band	Non-Qualified Owner: 99 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	Not Available in: AK AL DE HI LA MA NH NY OR PR SC VI VT	0-75: 1.50 76-86: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 8 7 6 8 7 6	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-3 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 3 Year MYGA 3 Years none 1.1 1.00 1.10 1.10
Royal Neighbors of America Choice 3 Low-Band	Non-Qualified Owner: 99 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: AK AL DE HI LA MA NH NY OR PR SC VI VT	0-75: 1.50 76-86: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8 7 6 8 7 6 8 7 6	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-3 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 3 Year MYGA 3 Years none 1 1.00 1.00 1.00
Surrender Charges Last 8 Years
EquiTrust Life Insurance Company Certainty 8	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: IN MN	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8.5 8 7.5 7 6.5 6 5.5	Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 8 Yield to SurrenderTM Current Guarant'd 8 Year MYGA with Bonus 8 Years 1% 4 3.00 3.12 3.12
EquiTrust Life Insurance Company Certainty Select 8	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (8 years): 10 10 9 9 8 8 7 7 For states AK, SC, TX (8 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 For states CT (8 years): 10 9 8 7 6 5 4 3			Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 8 Yield to SurrenderTM Current Guarant'd 8 Year MYGA with Bonus 8 Years 1% 4 3.00 3.12 3.12
North American Company Guarantee Choice 8 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (8 years): 10 10 10 10 10 9 8 6 For states CA (8 years): 10 10 9 9 8 8 7 7 For states FL, IL (8 years): 9 8 7 6 5 4 3 2 For states TX (8 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.8 1.00 2.80 2.80
North American Company Guarantee Choice 8 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (8 years): 10 10 10 10 10 9 8 6 For states CA (8 years): 10 10 9 9 8 8 7 7 For states FL, IL (8 years): 9 8 7 6 5 4 3 2 For states TX (8 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.6 1.00 2.60 2.60
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 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	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.45 1.00 2.45 2.45

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 8	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.45 1.00 2.45 2.45
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.3 1.00 2.30 2.30
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 8 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.3 1.00 2.30 2.30
Protective Life Corporation ProSaver Platinum 8 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		6 6 5 4 3 2 1 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.85 1.00 1.85 1.85
Protective Life Corporation ProSaver Platinum 8 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		6 6 5 4 3 2 1 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.6 1.00 1.60 1.60
Protective Life Corporation FutureSaver II Annuity 8 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 8 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.45 1.00 1.58 1.58
Protective Life Corporation FutureSaver II Annuity 8 (ROP) 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 8 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.4 1.00 1.53 1.53
Protective Life Corporation FutureSaver II Annuity 8 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.45 1.00 1.45 1.45
Protective Life Corporation FutureSaver II Annuity 8 (ROP) Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.4 1.00 1.40 1.40
Surrender Charges Last 7 Years
Lincoln Financial Group Lincoln Select 10 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.8 2.80 2.80
American Equity Investment Life Insurance Company Guarantee 7 (SPDA-MYGA) MVA	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: AK AL CA DE MN MO NV NY OR PA PR VI WA	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 9 8 7 6 5 4 3 For states IN, MS (7 years): 8.25 7.25 6.5 5.5 4.5 3.75 2.75			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.7 2.00 2.70 2.70
Lincoln Financial Group Lincoln Select 10 Low-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.65 2.65 2.65
Lincoln Financial Group Lincoln Select 9 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.6 2.60 2.60
The Standard Focused Growth Annuity 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	Not Available in: CA NY PR VI	0-80: 2.50 81-85: 1.25 86-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 7 6 5 4 3 2 0	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.6 1.00 2.60 2.60
Lincoln Financial Group Lincoln Select 8 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.55 2.55 2.55
North American Company Guarantee Choice 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (7 years): 10 10 10 10 10 9 8 For states CA (7 years): 10 10 9 9 8 8 7 For states FL, IL (7 years): 9 8 7 6 5 4 3 For states TX (7 years): 8 7.5 6.5 5.5 4.5 3.5 2.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.55 1.00 2.55 2.55
The Standard Focused Growth Annuity 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	Not Available in: CA NY PR VI	0-80: 2.50 81-85: 1.25 86-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 7 6 5 4 3 2 0	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.5 1.00 2.50 2.50
Lincoln Financial Group Lincoln Select 7 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.45 2.45 2.45
Lincoln Financial Group Lincoln Select 9 Low-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.45 2.45 2.45
Fidelity & Guaranty Life FG Guarantee-Plus 7	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN NY OR PR VI WA	0-79: 3.25 80-90: 1.63
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.3 2.30 2.44 2.44

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Fidelity & Guaranty Life FG Guarantee-Platinum 7	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN NY OR PR VI WA	0-79: 3.25 80-90: 1.63
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.4 1.00 2.40 2.40
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 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	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.4 1.00 2.40 2.40
Lincoln Financial Group Lincoln Select 8 Low-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.4 2.40 2.40
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 7 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	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.4 1.00 2.40 2.40
North American Company Guarantee Choice 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (7 years): 10 10 10 10 10 9 8 For states CA (7 years): 10 10 9 9 8 8 7 For states FL, IL (7 years): 9 8 7 6 5 4 3 For states TX (7 years): 8 7.5 6.5 5.5 4.5 3.5 2.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.35 1.00 2.35 2.35
Lincoln Financial Group Lincoln Select 7 Low-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.3 2.30 2.30
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.25 1.00 2.25 2.25
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.25 1.00 2.25 2.25
Great American Life Insurance Company SecureGain 7 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	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IN MN MO NY OH PR VA VI	0-80: 3.60 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 10/10/11
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 1 2.24 2.24
American Equity Investment Life Insurance Company Guarantee 7 (SPDA-MYGA)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: CA DE MN PA	0-75: 2.50 76-80: 1.50
	Withdrawal Notes:			No Premium Bonus
	For states DE, MN, PA (7 years): 9 8 7 6 5 4 3 For states CA (7 years): 8.25 7.25 6.5 5.5 4.5 3.75 2.75			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.2 2.00 2.20 2.20
Great American Life Insurance Company SecureGain 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IN MN MO NY OH PR VA VI	0-80: 3.60 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 10/10/11
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 1 2.14 2.14
Great American Life Insurance Company SecureGain 7 No MVA 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	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CT IN MN MO OH VA	0-80: 3.60 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 10/10/11
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 1 2.09 2.09
Minnesota Life SecureOption Select 7-Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	Not Available in: NY PR VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 9 8 7 6 5 4	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.05 1.50 2.05 2.05
Western National Life Insurance Company Set Rate Annuity 10 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2 1.00-1.50 2.00 2.00
Great American Life Insurance Company SecureGain 7 No MVA Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CT IN MN MO OH VA	0-80: 3.60 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 10/10/11
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 1 1.99 1.99
Security Benefit Life Lighthouse Select 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 125,000 Monthly: 125,000 Qualified Single: 125,000 Monthly: 125,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, 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, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 7 7 7 6 6 5 4 For states WA (5 years): 7 7 7 6 5			Rate Changed: 05/14/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.9 1.00-3.00 1.90 1.90
Minnesota Life SecureOption Select 7-Year Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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 WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 9 8 7 6 5 4	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.85 1.50 1.85 1.85
Security Benefit Life Lighthouse Select 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, 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, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 7 7 7 6 6 5 4 For states WA (5 years): 7 7 7 6 5			Rate Changed: 05/14/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.8 1.00-3.00 1.80 1.80
Western National Life Insurance Company Set Rate Annuity 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 1.8 1.00-1.50 1.80 1.80
Western National Life Insurance Company Set Rate Annuity 9 High-Band	Non-Qualified Owner: 70 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.8 1.00-1.50 1.80 1.80

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 High-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 2.15 1.65 1.72 1.72
Symetra Life Insurance Company Symetra Custom 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 2.15 1.65 1.72 1.72
Protective Life Corporation ProSaver Platinum 7 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		6 6 5 4 3 2 1	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.7 1.00 1.70 1.70
VALIC VALIC Assured Choice Annuity 7 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	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: DE MN NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.7 1.00 1.70 1.70
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 Mid-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 2.1 1.60 1.67 1.67
Symetra Life Insurance Company Symetra Custom 7 Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 2.1 1.60 1.67 1.67
Lincoln Financial Group Lincoln Long-Term Care Fixed Annuity Low-Band	Non-Qualified Owner: 74 Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 0 Monthly: 0	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA CO CT FL HI ID IL IN MA MT NH NJ NV NY OH PA PR TN TX UT VA VI VT WA WI	45-75: 6.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.65 1.00 1.65 1.65
Lincoln Financial Group Lincoln Long-Term Care Fixed Annuity High-Band	Non-Qualified Owner: 74 Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA CO CT FL HI ID IL IN MA MT NH NJ NV NY OH PA PR TN TX UT VA VI VT WA WI	45-75: 6.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.65 1.00 1.65 1.65
Protective Life Corporation ProSaver Platinum Plus 7 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	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.6 1.60 1.60
VALIC VALIC Assured Choice Annuity 7 Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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: DE MN NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.6 1.00 1.60 1.60
Western National Life Insurance Company Set Rate Annuity 7 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 2.00 76-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.6 1.00-1.50 1.60 1.60
Western National Life Insurance Company Set Rate Annuity 8 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.6 1.00-1.50 1.60 1.60
Western National Life Insurance Company Set Rate Annuity 9 Low-Band	Non-Qualified Owner: 70 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 1.6 1.00-1.50 1.60 1.60
Western National Life Insurance Company WNL Flex 7 - MVA - 7 Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 70 Annuitant: 70	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  Yes-Annualization  Yes-Activities of Daily Living	Not Available in: MN NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 2	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.6 1.00-1.50 1.60 1.60
VALIC VALIC Assured Choice Annuity 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: DE MN NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.5 1.00 1.50 1.50
Protective Life Corporation ProSaver Platinum 7 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		6 6 5 4 3 2 1	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.45 1.00 1.45 1.45
Protective Life Corporation ProSaver Platinum Plus 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.45 1.45 1.45
Western National Life Insurance Company Set Rate Annuity 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 2.00 76-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.4 1.00-1.50 1.40 1.40
Western National Life Insurance Company Set Rate Annuity 8 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 70 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 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  No- Activities of Daily Living	Not Available in: MN NY PR VI	0-75: 4.00 76-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 1.4 1.00-1.50 1.40 1.40
Western National Life Insurance Company WNL Flex 7 - MVA - 7 Year Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  Yes-Activities of Daily Living	Not Available in: MN NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 2	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.4 1.00-1.50 1.40 1.40

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 (ROP) High-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.8 1.30 1.37 1.37
Symetra Life Insurance Company Symetra Custom 7 (ROP) High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.8 1.30 1.37 1.37
Western National Life Insurance Company WNL Flex 7 - 7 Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 70 Annuitant: 70	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  Yes-Annualization  Yes-Activities of Daily Living	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 2	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.35 1.00-1.50 1.35 1.35
Protective Life Corporation FutureSaver II Annuity 7 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.2 1.00 1.34 1.34
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 (ROP) Mid-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.75 1.25 1.32 1.32
Symetra Life Insurance Company Symetra Custom 7 (ROP) Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.75 1.25 1.32 1.32
Minnesota Life SecureOption Focus 7 High-Band	Non-Qualified Owner: 88 Annuitant: 88 Qualified Owner: 88 Annuitant: 88	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  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.3 1.00 1.30 1.30
Protective Life Corporation FutureSaver II Annuity 7 (ROP) 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.15 1.00 1.29 1.29
Minnesota Life SecureOption Focus 7 Mid-Band	Non-Qualified Owner: 88 Annuitant: 88 Qualified Owner: 88 Annuitant: 88	Non-Qualified Single: 35,000 Monthly: 35,000 Qualified Single: 35,000 Monthly: 35,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.2 1.00 1.20 1.20
Protective Life Corporation FutureSaver II Annuity 7 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.2 1.00 1.20 1.20
Protective Life Corporation FutureSaver II Annuity 7 (ROP) Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 3.00 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.15 1.00 1.15 1.15
Western National Life Insurance Company WNL Flex 7 - 7 Year Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  Yes-Activities of Daily Living	Not Available in: NY PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 2	Rate Changed: 05/21/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.15 1.00-1.50 1.15 1.15
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 Mid-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.55 1.05 1.12 1.12
Symetra Life Insurance Company Symetra Custom 7 Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.55 1.05 1.12 1.12
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 Low-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 (ROP) Low-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07
First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 (ROP) Mid-Band	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	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
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07
Symetra Life Insurance Company Symetra Custom 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07
Symetra Life Insurance Company Symetra Custom 7 (ROP) Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07
Symetra Life Insurance Company Symetra Custom 7 (ROP) Mid-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Annualization	Not Available in: NY PR VI	0-75: 4.00 76-85: 2.25 86-90: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		8 8 7 7 6 5 4	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 0.5% 1.5 1.00 1.07 1.07

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Minnesota Life SecureOption Focus 7 Low-Band	Non-Qualified Owner: 88 Annuitant: 88 Qualified Owner: 88 Annuitant: 88	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CA NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 7 6 5 4 3	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1 1.00 1.00 1.00
Surrender Charges Last 6 Years
EquiTrust Life Insurance Company Certainty Select 6	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (6 years): 10 10 9 9 8 8 For states AK, SC, TX (6 years): 9 8 7 6.5 5.5 4.5 For states CT (6 years): 10 9 8 7 6 5			Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 3 1.00 3.00 3.00
The Standard Focused Growth Annuity 6 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 2.00 81-84: 1.00 85-UP: 0.77 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8 7 6 5 4 3	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.5 1.00 2.50 2.50
The Standard Focused Growth Annuity 6 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 2.00 81-84: 1.00 85-UP: 0.77 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8 7 6 5 4 3	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.4 1.00 2.40 2.40
North American Company Guarantee Choice 6 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (6 years): 10 10 10 10 10 9 For states CA (6 years): 10 10 9 9 8 8 For states FL, IL (6 years): 9 8 7 6 5 4 For states TX (6 years): 8 7.5 6.5 5.5 4.5 3.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.25 1.00 2.25 2.25
North American Company Guarantee Choice 6 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (6 years): 10 10 10 10 10 9 For states CA (6 years): 10 10 9 9 8 8 For states FL, IL (6 years): 9 8 7 6 5 4 For states TX (6 years): 8 7.5 6.5 5.5 4.5 3.5			Rate Changed: 02/24/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.05 1.00 2.05 2.05
Royal Neighbors of America Choice 6 High-Band	Non-Qualified Owner: 99 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	Not Available in: AK AL DE HI LA MA NH NY OR PR SC VI VT	0-75: 2.75 76-86: 1.45
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 7 6 5 4.5	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.05 1.00 2.05 2.05
Lincoln Financial Group Lincoln MYGuaranteesm Plus 6 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	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: MN MO NY VI	0-75: 2.25 76-80: 1.50 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 1.00 2.00 2.00
Lincoln Financial Group Lincoln Select 6 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 7 6 5 4 3	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 2.00 2.00
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 6 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	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: 2.25 76-80: 1.50 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 1.00 2.00 2.00
Royal Neighbors of America Choice 6 Mid-Band	Non-Qualified Owner: 99 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	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: AK AL DE HI LA MA NH NY OR PR SC VI VT	0-75: 2.75 76-86: 1.45
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 7 6 5 4.5	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2 1.00 2.00 2.00
Lincoln Financial Group Lincoln MYGuaranteesm Plus 6 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.25 76-80: 1.50 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 7 6 5 4 3	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.85 1.00 1.85 1.85
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 6 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.25 76-80: 1.50 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.85 1.00 1.85 1.85
The Standard Secured Rate Annuity 6 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-80: 2.00 81-84: 1.00 85-91: 0.77 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 5 4	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.85 1.00 1.85 1.85
Lincoln Financial Group Lincoln Select 6 Low-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		7 7 6 5 4 3	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.8 1.80 1.80
The Standard Secured Rate Annuity 6 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-80: 2.00 81-84: 1.00 85-91: 0.77 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 5 4	Rate Changed: 03/26/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.75 1.00 1.75 1.75
Protective Life Corporation ProSaver Platinum 6 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	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	Not Available in: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		6 6 5 4 3 2	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.25 1.00 1.25 1.25
Royal Neighbors of America Choice 6 Low-Band	Non-Qualified Owner: 99 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  No- Nursing Home  No- Annualization	Not Available in: AK AL DE HI LA MA NH NY OR PR SC VI VT	0-75: 2.75 76-86: 1.45
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 7 6 5 4.5	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.25 1.00 1.25 1.25
Protective Life Corporation FutureSaver II Annuity 6 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 2.75 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1 1.00 1.17 1.17
Protective Life Corporation ProSaver Platinum Plus 6 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	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1.15 1.15 1.15

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Protective Life Corporation FutureSaver II Annuity 6 (ROP) 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  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 2.75 76-85: 1.50
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 0.9 1.00 1.07 1.07
Protective Life Corporation FutureSaver II Annuity 6 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 2.75 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1 1.00 1.00 1.00
Protective Life Corporation ProSaver Platinum 6 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MD NY PR VI WA	0-80: 2.00 81-UP: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		6 6 5 4 3 2	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1 1.00 1.00 1.00
Protective Life Corporation ProSaver Platinum Plus 6 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 1 1.00 1.00
Protective Life Corporation FutureSaver II Annuity 6 (ROP) Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE MN NY PR VI VT	0-75: 2.75 76-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 0.9 1.00 0.90 0.90
Surrender Charges Last 5 Years
EquiTrust Life Insurance Company Certainty Select 5	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (5 years): 10 10 9 9 8 For states AK, SC, TX (5 years): 9 8 7 6.5 5.5 For states CT (5 years): 10 9 8 7 6			Rate Changed: 02/22/12
	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 MYGA 5 Years none 2.75 1.00 2.75 2.75
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: AK AL CA DE MN MO NV NY OR PA PR VI WA	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 9 8 7 6 5 For states WA (5 years): 9 8.25 7.25 6.5 5.5 For states IN, MS (5 years): 8.25 7.25 6.5 5.5 4.5			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	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 MYGA 5 Years none 2.3 2.00 2.30 2.30
Fidelity & Guaranty Life FG Guarantee-Plus 5	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MN NY OR PR VI WA	0-79: 2.50 80-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 05/01/12
	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 MYGA with Bonus 5 Years 1% 2.9 1.90 2.10 2.10
The Standard Focused Growth Annuity 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.00 81-85: 1.50 86-UP: 1.35
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		8 7 6 5 4	Rate Changed: 03/26/12
	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 MYGA 5 Years none 2.1 1.00 2.10 2.10
Fidelity & Guaranty Life FG Guarantee-Platinum 5	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 2,000 Monthly: 2,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT MN NC NY OK OR PR VI WA	0-79: 2.50 80-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 05/01/12
	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 MYGA 5 Years none 2 1.00 2.00 2.00
Fidelity & Guaranty Life FG Guarantee-Platinum 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT MN NC NY OK OR PR VI WA	0-79: 2.50 80-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 05/01/12
	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 MYGA 5 Years none 2 1.00 2.00 2.00
North American Company Guarantee Choice 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (5 years): 10 10 10 10 10 For states CA (5 years): 10 10 9 9 8 For states FL, IL (5 years): 9 8 7 6 5 For states TX (5 years): 8 7.5 6.5 5.5 4.5			Rate Changed: 02/24/12
	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 MYGA 5 Years none 2 1.00 2.00 2.00
The Standard Focused Growth Annuity 5 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI	0-80: 3.00 81-85: 1.50 86-UP: 1.35
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		8 7 6 5 4	Rate Changed: 03/26/12
	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 MYGA 5 Years none 2 1.00 2.00 2.00
Fidelity & Guaranty Life FG Guarantee-Platinum 5 (CT,NC,OK)	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: CT NC OK	0-79: 2.50 80-90: 1.25
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 05/01/12
	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 MYGA 5 Years none 1.85 1.00 1.85 1.85
Security Benefit Life Lighthouse Select 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 125,000 Monthly: 125,000 Qualified Single: 125,000 Monthly: 125,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, 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, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 7 7 7 6 6 For states WA (5 years): 7 7 7 6 5			Rate Changed: 05/14/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-3.00%	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 MYGA 5 Years none 1.85 1.00-3.00 1.85 1.85
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: CA DE MN PA	0-75: 2.50 76-80: 1.50
	Withdrawal Notes:			No Premium Bonus
	For states DE, MN, PA (5 years): 9 8 7 6 5 For states CA (5 years): 8.25 7.25 6.5 5.5 4.5			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	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 MYGA 5 Years none 1.8 2.00 1.80 1.80
Great American Life Insurance Company SecureGain 5 High-Band	Non-Qualified Owner: 89 Annuitant: Qualified Owner: 89 Annuitant:	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  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IN MN MO NY OH PR VA VI	0-80: 2.45 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 10/10/11
	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 MYGA with Bonus 5 Years 0.25% 0.25 1.80 1.80
Life of the Southwest RetireMax Secure 5	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AZ MD MT NC NJ NY OR PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 7 7 6 5 0	Rate Changed: 02/22/12
	Guaranteed Minimum Value:			Next Change : 05/22/12
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.8 1.80 1.80
Security Benefit Life Lighthouse Select 5 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, 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, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 7 7 7 6 6 For states WA (5 years): 7 7 7 6 5			Rate Changed: 05/14/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-3.00%	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 MYGA 5 Years none 1.75 1.00-3.00 1.75 1.75
Great American Life Insurance Company SecureGain 5 Low-Band	Non-Qualified Owner: 89 Annuitant: Qualified Owner: 89 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IN MN MO NY OH PR VA VI	0-80: 2.45 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 10/10/11
	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 MYGA with Bonus 5 Years 0.25% 0.25 1.70 1.70

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Lincoln Financial Group Lincoln MYGuaranteesm Plus 5 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	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: MN MO NY VI	0-75: 2.00 76-80: 1.30 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 7 6 5 4	Rate Changed: 05/01/12
	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 MYGA 5 Years none 1.7 1.00 1.70 1.70
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 5 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	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: 2.00 76-80: 1.30 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 6 5 4 3	Rate Changed: 05/01/12
	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 MYGA 5 Years none 1.7 1.00 1.70 1.70
Minnesota Life SecureOption Select 5-Year High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	Not Available in: NY PR VI WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 9 8 7 6	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	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 MYGA 5 Years none 1.7 1.50 1.70 1.70
Royal Neighbors of America Choice 5	Non-Qualified Owner: 99 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: AK AL DE HI LA MA NH NY OR PR SC VI VT	16-75: 1.75 76-85: 1.45
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		8.5 7.5 7 6 4	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : 06/01/12
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.7 1.00 1.70 1.70
North American Company Guarantee Choice 5 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK DE MN MO NV NY OR PR UT VA VI WA	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (5 years): 10 10 10 10 10 For states CA (5 years): 10 10 9 9 8 For states FL, IL (5 years): 9 8 7 6 5 For states TX (5 years): 8 7.5 6.5 5.5 4.5			Rate Changed: 02/24/12
	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 MYGA 5 Years none 1.65 1.00 1.65 1.65
Great American Life Insurance Company SecureGain 5 No MVA High-Band	Non-Qualified Owner: 89 Annuitant: Qualified Owner: 89 Annuitant:	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  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CT IN MN MO OH VA	0-80: 2.47 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 10/10/11
	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 MYGA with Bonus 5 Years 0.25% 0.25 1.55 1.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 5 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: MN MO NY VI	0-75: 2.00 76-80: 1.30 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 7 6 5 4	Rate Changed: 05/01/12
	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 MYGA 5 Years none 1.55 1.00 1.55 1.55
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 5 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: 2.00 76-80: 1.30 81-85: 0.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 6 5 4 3	Rate Changed: 05/01/12
	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 MYGA 5 Years none 1.55 1.00 1.55 1.55
The Standard Secured Rate Annuity 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY PR VI	0-80: 2.00 81-84: 1.00 85-90: 0.77
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 03/26/12
	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 MYGA 5 Years none 1.55 1.00 1.55 1.55
Lincoln Financial Group Lincoln Select 5 High-Band	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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	Check with carrier
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		7 7 6 5 4	Rate Changed: 05/17/12
	Guaranteed Minimum Value:			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 MYGA 5 Years none 1.5 1.50 1.50
Minnesota Life SecureOption Select 5-Year Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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 WA	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 9 8 7 6	Rate Changed: 05/19/12
	Guaranteed Minimum Value:		100% of Premium at 1.50%	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 MYGA 5 Years none 1.5 1.50 1.50 1.50
Western National Life Insurance Company WNL Security Builder 5 (Step Up) High-Band	Product has been withdrawn from sale effective 03/12/2012
Great American Life Insurance Company SecureGain 5 No MVA Low-Band	Non-Qualified Owner: 89 Annuitant: Qualified Owner: 89 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CT IN MN MO OH VA	0-80: 2.47 81-UP: 1.57
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5	Rate Changed: 10/10/11
	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 MYGA with Bonus 5 Years 0.25% 0.25 1.45 1.45
The Standard Secured Rate Annuity 5 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 15,000 Monthly: 15,000