Westland Financial Services
1717 Kettner Blvd., Suite 200
San Diego, CA 92101

Fixed Indexed Annuities
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(800)238-8144
E-mail: timm@westlandinc.com
 
 
 
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Showing 1-203 of 203    Print/Save
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-05) DE
17 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
1-Year S&P 500 Point-to-Point Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25% 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.75%
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average with Cap
1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 15 Years
Life of the Southwest
SecurePlus Accumulator 5
15 yrs 80 5.00 2.45% 87.50% $1,321 03/29/12 1 Rider
GLWB
Average Index Account Ending Index Account
Declared Interest Account @ 2.45%
Life of the Southwest
SecurePlus Platinum (after 3/21/06)
15 yrs 80   1.00% 87.50% $1,016 03/22/12 2 Riders
GLWB
Call
Average Index Account Ending Index Account
Declared Interest Account @ 2.25%
National Western Life
NWL Ultra Future
15 yrs 80 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 03/23/12 1 Rider
GLWB
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option B: Fixed Account @ 2.30% Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 1 Rider
GLWB
 		0-75: 8.50+
2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Daily Average Cap
1-Year Fixed Interest Account @ 1.50% 1-Year S&P 500 Monthly Cap
1 Year S&P 500 Monthly Average Participation 1-Year S&P 500 Point-to-Point Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 1 Rider
GLWB
 		0-75: 9.00
1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Average Participation
2-Year Monthly Average Cap 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Daily Average Cap 1-Year Fixed Account @ 1.15%
Fidelity & Guaranty Life
FG AccumulatorPlus 14
14 yrs (NQ)   1.00% 87.50% $1,006 05/01/12 1 Rider
GLWB
 		0-80: 7.50
1 Year S&P 500 Monthly Average with Cap 1-Year Fixed Account @ 2.75%
1 Year Index Gain Option with Declared Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 14
14 yrs (NQ)   1.00% 87.50% $1,006 05/01/12 0-79: 8.00
80-85: 4.00
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Average with A Cap 2-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.90% 1-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced
14 yrs (NQ) 6.00 1.00% 87.50% $1,066 05/01/12 1 Rider
Death
 		0-79: 8.00
80-85: 4.00
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 1.90%
1-Year S&P 500 Monthly Average with A Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 05/01/12 1 Rider
GLWB
Death
 		0-79: 8.00
80-85: 4.00
1-Year S&P 500 Monthly Average with A Cap Fixed Account @ 1.90%
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap
National Western Life
NWL Ultra Benefit
14 yrs 85 4.00
to 5.00 		1.00% 87.50% $1,056 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.00+
71-75: 3.50+
76-81: 1.50+
Non-Qualified
0-75: 6.00+
76-80: 4.00+
81-85: 1.50+
Option A: Monthly Average Annual Reset Option B: Fixed Interest Rate @ 1.40%
Option D: Monthly Cap Annual Reset
Surrender Charges Last 13 Years
National Western Life
NWL Ultra Classic
13 yrs 80 (NQ)   1.00% 87.50% $ 996 03/23/12 2 Riders
GLWB
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Option B: Fixed Account @ 2.80% Option A: Monthly Averaging Annual Reset
Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00 1.50% 90.00% $1,130 05/21/12 1 Rider
GLWB
 		0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
Fixed Interest Account @ 1.15% 2-Year Point-to-Point Account with Cap
Monthly Additive Account with Cap
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12 (CA)
12 yrs 85 5.00 1.50% 90.00% $1,130 05/21/12 1 Rider
GLWB
 		0-75: 8.00
76-80: 4.00
81-85: 2.50
2-Year Point-to-Point Account with Cap Fixed Interest Account @ 1.00%
Monthly Additive Account with Cap
Life of the Southwest
SecurePlus Elite
12 yrs   1.00% 87.50% $ 986 03/22/12 1 Rider
GLWB
Call
Average Index Account Ending Index Account
Declared Interest Account @ 1.80%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Life of the Southwest
SecurePlus Elite 5 403(b) & 457
12 yrs 0   1.95% 87.50% $1,103 05/15/12 1 Rider
GLWB
Call
1 Year Russell 2000 Annual Point-to-Point 1 Year S&P 500 Annual Point-to-Point
Declared Interest Account @ 1.95%
Surrender Charges Last 10 Years
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-79: 5.50
Fixed Strategy @ 1.45%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -High
10 yrs 78 3.00 1.00% 87.50% $ 996 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed Strategy @ 1.45%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-79: 5.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -Low
10 yrs 78 3.00 1.00% 87.50% $ 996 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed Strategy @ 1.00%
American National Ins. Co.
Value Lock 10
10 yrs 80   1.00-1.75% 90.00% $1,071 05/01/12 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Allianz Life Ins. Co. of North America
Allianz 360 Annuity
10 yrs 80   1.00-1.35% 87.50% $1,001 05/01/12 2 Riders
GLWB
 		0-75: 7.00
76-80: 5.00
1-Year Eurostoxx 50 Annual Point-to-Point 1-Year Blended Monthly Average Spread
1-Year Nasdaq 100 Annual Point-to-Poiont 1-Year S&P 500 Monthly Sum Cap
1-Year Blended Annual Point-to-Point Cap 1-Year Nasdaq 100 Monthly Sum Cap
1-Year Eurostoxx 50 Monthly Sum Cap 1-Year S&P 500 Annual Point-to-Point
1-Year Fixed Interest Account @ 1.55%
Allianz Life Ins. Co. of North America
Allianz 365i Annuity
10 yrs (NQ) 6.00 1.00-1.95% 87.50% $1,125 05/01/12 2 Riders
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year Nasdaq 100 Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year EuroSTOXX 50 Point-to-Point Cap
1-Year Nasdaq 100 Monthly Sum Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1-Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year EuroSTOXX 50 Monthly Sum Cap 1 Year Fixed Interest Account @ 1.50%
1 Year S&P 500 Point-to-Point Cap
Allianz Life Ins. Co. of North America
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 3.50+
1 Year Blended Point-to-Point Cap 1 Year Fixed Interest Account @ 1.65%
1 Year S&P 500 SELECT Point-to-Point Cap 1 Year S&P 500 Point-to-Point
1 Year FTSE 100 Monthly Sum Cap 1 Year Blended Monthly Average
1-Year Nasdaq 100 Monthly Sum Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year FTSE 100 Point-to-Point Cap 1-Year S&P 500 Monthly Sum Cap
1 Year Nasdaq 100 Point-to-Point
Allianz Life Ins. Co. of North America
MasterDex 10 Plus Annuity
10 yrs 80 10.00 1.00% 87.50% $1,063 05/01/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year S&P 500 Monthly Sum Cap
Fixed Interest Account @ 2.05% 1 Year Nasdaq 100 Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
1 Year Blended Point-to-Point Cap
Allianz Life Ins. Co. of North America
MasterDex 3 Plus
10 yrs (NQ) 3.00 2.00% 87.50% $1,099 05/01/12 65-69: 7.00
70-80: 5.00
Nasdaq 100 Monthly Sum Blended Index Annual Point-to-Point
1-Year Fixed Interest Option @ 1.50% Nasdaq 100 Annual Point-to-Point
FTSE 100 Monthly Sum Blended Index Monthly Averaging
1-Year S&P 500 Monthly Sum 1-Year S&P 500 Annual Point-to-Point
FTSE 100 Annual Point-to-Point
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
1 Year Fixed Interest Account @ 1.50% 1 Year Blended Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap
1 Year Blended Monthly Average Spread
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 05/01/12 5 Riders
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year Fixed Interest Account @ 1.35%
1 Year Blended Point-to-Point Cap 1 Year Euro STOXX 50 Monthly Cap
1 Year Nasdaq 100 Point-to-Point Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1 Year Blended Monthly Average Spread 1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap
Amer. Equity Investment Life Ins. Co.
Advantage Gold
10 yrs (NQ) 5.00 1.50-3.00% 84.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average with Cap
Traditional Fixed Value @ 1.65% 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Point-to-Point
Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)
10 yrs (NQ) 5.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-75: 5.25+
76-80: 3.94+
1 Year S&P 500 Monthly Average with Cap 10 Year U.S. Treasury Bond Value with Cap
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-78: 6.00+
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.60%
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
Amer. Equity Investment Life Ins. Co.
Retirement Gold (INDEX-4-10-FL)
10 yrs (NQ) 8.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-64: 6.00+
65-75: 5.25+
76-78: 4.50+
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)
10 yrs (NQ) 6.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-78: 5.25+
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.60%
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
Amer. Equity Investment Life Ins. Co.
Traditions Gold (ICC11 IDX4)
10 yrs (NQ)   1.50% 87.50% 03/01/12 4 Riders
GLWB
 		0-75: 4.50+
76-UP: 3.40+
S&P 500 Annual Point-to-Point with Participation S&P 500 Monthly Average with Participation
S&P 500 Annual Point-to-Point with Cap Traditional Fixed Strategy @ 1.60%
S&P 500 Monthly Point-to-Point 10-Year U.S. Treasury Bond
S&P 500 Monthly Average with Cap
Amer. Equity Investment Life Ins. Co.
Traditions Gold Plus (ICC11 IDX3)
10 yrs (NQ) 8.00 1.50% 87.50% 03/01/12 4 Riders
GLWB
 		0-75: 4.50+
76-UP: 3.40+
S&P 500 Monthly Average with Cap 10-Year U.S. Treasury Bond
S&P 500 Annual Point-to-Point with Participation S&P 500 Annual Point-to-Point with Cap
Traditional Fixed Strategy @ 1.60% S&P 500 Monthly Average with Participation
S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00 1.50% 100% $1,219 05/21/12 1 Rider
GLWB
 		0-75: 5.25
76-80: 2.75
Global Multiple Index Account with Cap Annual Point-to-Point Account with Participation Rate
Monthly Additive Account with Cap Fixed Interest Account @ 1.25%
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity (CA)
10 yrs 80 5.00 2.00% 100% $1,280 05/21/12 1 Rider
GLWB
 		0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Global Multiple Index Account with Cap Fixed Interest Account @ 2.00%
Amer. General Life Ins. Co.
AG Vision Maximizer
10 yrs 75 5.00 1.50% 90.00% $1,097 05/21/12 1 Rider
GLWB
 		0-75: 8.00+
Annual Point-to-Point Account with Adjustable Participation Monthly Average Account with Index Spread
Annual Point-to-Point Account with Cap Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG Vision Maximizer (CA)
10 yrs 75 5.00 2.00% 90.00% $1,152 05/21/12 1 Rider
GLWB
 		0-UP: 8.00
Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread
Annual Point-to-Point with Adjustable Participation Annual Point-to-Point with Cap
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85   1.00% 90.00% $ 994 05/01/12 1 Rider
GLWB
 		0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
Declared Rate Interest Account @ 1.00% 1 Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.55% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year Average Index Strategy 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed @ 1.40%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed @ 1.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap 1-Year Point-to-Point Hang Seng
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point w/ Participation
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Hang Seng
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Dow Jones EUROSTOXX 50 1-Year S&P 500 Point-to-Point Cap
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate 1-Year Point-to-Point with Cap Rate
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00%
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Point-to-Point S&P 500 Index 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Point-to-Point S&P 500 Index 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
Fixed Strategy @ 1.40%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
Fixed Strategy @ 1.00% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Monthly Cap 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy Fixed Strategy @ 1.00%
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy
EquiTrust Life Ins. Co.
Market Ten Bonus Index
10 yrs 80 6.00 1.00% 100% $1,171 10/24/11 1 Rider
GLWB
 		0-80: 6.00+
1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap Index Account
1-Year S&P 500 Monthly Cap Index Account 1-Year S&P 500 Monthly Average Participation Index Account
1-Year Interest Account @ 1.15% 2-Year S&P 500 Monthly Average Cap
EquiTrust Life Ins. Co.
Market Value Index
10 yrs 80   2.00% 87.50% $1,067 10/24/11 1 Rider
GLWB
 		0-80: 6.50+
1-Year Monthly Average Participation Index Account 1-Year Fixed Interest Account @ 2.40%
1-Year Monthly Cap Index Account 1-Year Point-to-Point Cap Index Account
2-Year Monthly Average Cap Index Account 1-Year Monthly Average Cap Index Account
Fidelity & Guaranty Life
FG AccumulatorPlus 10
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 1 Rider
GLWB
 		0-79: 6.25+
80-85: 3.13+
1 Year S&P 500 Point-to-Point with Cap 1 Year S&P 500 Monthly Average with Cap
1-Year Fixed Account @ 2.50% 1 Year S&P 500 Monthly Point-to-Point
1 Year Index Gain Option with Declared Rate
Fidelity & Guaranty Life
FG Index-Accelerator 10
Product has been withdrawn from sale effective 05/18/2012
Fidelity & Guaranty Life
Prosperity Elite 10
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 0-79: 7.00+
80-85: 3.50+
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 1.80%
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 10 Enhanced
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 1 Rider
Death
 		0-79: 7.00+
80-85: 3.50+
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year Performance Triggered Account 1-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
Fixed Account @ 1.80%
Fidelity & Guaranty Life
Prosperity Elite 10 Protection
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 05/01/12 1 Rider
GLWB
Death
 		0-79: 7.00+
80-85: 3.50+
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.80% 3-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life Ins. Co. of New York
FGNY Index-Choice 10
10 yrs 85 2.00 1.00% 100% $1,127 05/01/12
S&P 500 Monthly Point-to-Point S&P 500 Annual Point-to-Point
S&P 500 Monthly Averaging Fixed @ 2.00%
Forethought Financial
Bonus Advantage
10 yrs 80 5.00 1.00% 87.50% $1,015 05/07/12 1 Rider
GLWB
Death
 		55-75: 7.00+
76-80: 5.00+
Monthly Point-to-Point with Monthly Cap Monthly Average with Annual Cap
Fixed Account @ 1.00% Annual Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations WA
10 yrs 85 5.00 1.00% 87.50% $1,015 03/26/12 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 1.00% Annual Cap with Monthly Averaging
Monthly Point-to-Point with Cap Short-Term Account Strategy @ 0.50%
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.25% Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.25%
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.25%
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.25%
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.25%
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap Fixed Account Strategy @ 1.25%
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap Annual Point-to-Point with Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Great Amer. Life Ins. Co.
American Valor® 10
10 yrs 85 2.00 1.00% 100% $1,127 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 5.40
76-80: 4.05
81-UP: 2.25
Non-Qualified
0-75: 5.40
76-80: 4.05
81-UP: 2.25
1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 1.40%
1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 5.85
76-80: 4.95
81-85: 2.25
Non-Qualified
0-75: 5.85
76-80: 4.95
81-85: 2.25
1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 1.10%
1 Year S&P 500 Annual Point-to-Point Cap
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.00%
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Fixed Rate Strategy @ 1.00% Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Fixed Rate Strategy @ 1.00% Monthly Cap Index Strategy
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 1.00%
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Point-to-Point Cap Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Interest Rate Benchmark Strategy Monthly Cap Index Strategy
Life of the Southwest
SecurePlus Elite 3 403(b) & 457
10 yrs 0   1.95% 87.50% $1,061 05/15/12 1 Rider
GLWB
Call
Declared Interest Account @ 1.95% 1 Year S&P 500 Annual Point-to-Point
1 Year Russell 2000 Annual Point-to-Point
Life of the Southwest
SecurePlus Gold
10 yrs 85   1.00% 87.50% $ 967 03/22/12 2 Riders
GLWB
Average Index Account Ending Index Account
Declared Interest Account @ 1.75%
Life of the Southwest
SecurePlus Marquee 10
10 yrs 80   03/29/12 1 Rider
GLWB
Call
Russell 2000 Point-to-Point Option 1 Russell 2000 Point-to-Point Option 2
S&P 500 Point-to-Point Daily Average S&P 500 Point-to-Point Option 1
S&P 500 Point-to-Point Option 2 Declared Fixed Rate @ 1.75%
Life of the Southwest
SecurePlus Marquee 3
10 yrs 85 3.00 03/29/12
Call
Russell 2000 Point-to-Point Option 1 Russell 2000 Point-to-Point Option 2
S&P 500 Point-to-Point Daily Average S&P 500 Point-to-Point Option 1
S&P 500 Point-to-Point Option 2 Declared Fixed Rate @ 1.25%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Fixed Account @ 1.10% 2-Year Point-to-Point Indexed Account
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 4.00 1.00% 100% $1,149 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Performance Triggered Indexed Account 2-Year Monthly Cap Indexed Account
2-Year Point-to-Point Indexed Account Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Performance Triggered Indexed Account
National Western Life
NWL IMPACT 10
10 yrs 80 (NQ) 7.00 1.00% 87.50% $1,034 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.50+
71-75: 5.00+
76-80: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option B: Fixed Interest Rate @ 1.80% Option J: 1 Year Annual Point to Point with Cap
Option D: 1 Year Annual Point to Point with Monthly Cap Option K: 1 Year Annual Poin to Point with Monthly Average
Option A: 1 Year Annual Point to Point with Monthly Average
North American Company
Charter 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average 1- Year Hindsight Index
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year Fixed @ 1.00% 1-Year S&P 400 Annual Daily Average
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.00% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Fixed @ 2.40%
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.05% 1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 1.65% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
North American Company
North American Prizm Plus 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year Dow Jones Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 400 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Average 1-Year S&P 400 Monthly Average
1-Year Fixed @ 1.00% 1-Year Russell 2000 Monthly Averaging
1-Year Nasdaq 100 Point-to-Point 1-Year Russell 2000 Point-to-Point
1-Year Dow Jones Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year NASDAQ-100 Monthly Point-to-Point
North American Company
North American Ten
10 yrs 79 6.00 1.00% 100% $1,171 02/24/12 0-75: 6.50+
76-79: 4.88+
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Russell 2000 Monthly Average 1-Year Nasdaq 100 Annual Point-to-Point
1-Year Dow Jones Monthly Average 1-Year S&P 400 Monthly Average
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Fixed Account @ 1.00% 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year Hindsight Index Strategy
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point
North American Company
Precision 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year Fixed @ 1.00%
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Hindsight Index Strategy 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
Surrender Charges Last 9 Years
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 -Low
9 yrs 75   3.00% 90.00% $1,174 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 -High
9 yrs 75   3.00% 90.00% $1,174 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 GROP -High
9 yrs 75   3.00% 90.00% $1,174 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 9 GROP -Low
9 yrs 75   3.00% 90.00% $1,174 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9
9 yrs 85 3.00
to 4.00 		1.50% 90.00% $1,070 05/21/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9 (CA)
9 yrs 85 3.00
to 4.00 		1.50% 90.00% $1,070 05/21/12 1 Rider
GLWB
 		0-75: 6.00
76-80: 3.50
81-85: 2.00
Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG Vision Advantage 9
9 yrs 80   1.50% 90.00% $1,029 05/21/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 5.00+
Fixed Interest Account @ 1.55% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Amer. General Life Ins. Co.
AG Vision Advantage 9(CA)
9 yrs 80   2.00% 90.00% $1,076 05/21/12 1 Rider
GLWB
 		0-75: 6.00+
76-UP: 5.00+
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Monthly Average Account with Index Spread
Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Fixed Interest Account @ 2.00%
EquiTrust Life Ins. Co.
Builder Bonus Index
9 yrs 80 5.00
to 6.00 		2.00% 87.50% $1,108 10/24/11 1 Rider
GLWB
 		0-80: 5.00
1-Year S&P 500 Daily Averaging 1-Year S&P 500 Monthly Cap
1-Year Fixed Rate Account @ 1.15% 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Averaging Participation 2-Year S&P 500 Monthly Averaging
EquiTrust Life Ins. Co.
Market Booster Index
9 yrs 80 4.00 2.00% 87.50% $1,088 10/24/11 1 Rider
GLWB
 		0-80: 6.00+
1-Year S&P 500 Daily Average Cap Index Account 1-Year Fixed Interest Account @ 1.00%
1-Year S&P 500 Monthly Cap Index Account 1-Year S&P 500 Point-to-Point Cap Index Account
1-Year S&P 500 Monthly Averaging Participation Index Account
Fidelity & Guaranty Life
FG Index-Choice 9
9 yrs 85 3.00 1.00-1.10% 103.00% $1,171 05/01/12 1 Rider
GLWB
 		0-79: 9.00+
80-85: 4.50+
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
3-Year S&P 500 Monthly Point-to-Point 2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average Fixed Account @ 1.50%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
1-Year Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
1-Year Point-to-Point Cap Index Strategy
Life of the Southwest
SecurePlus Premier 3
9 yrs 85 3.00 1.95% 90.00% $1,103 08/29/11 1 Rider
GLWB
1-Year S&P 500 Average S&P 500 Ending Index Rate Option 1
Russell 2000 Ending Index Rate Option 2 S&P 500 Ending Index Rate Option 2
Declared Fixed Account @ 1.95% Russell 2000 Ending Index Rate Option 1
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Performance Triggered 1-Year Monthly Average
Fixed Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Performance Triggered 1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Fixed Account @ 1.40%
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 9 -Low
9 yrs (NQ)   05/01/12 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered Indexed Account
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 9 -High
9 yrs (NQ)   05/01/12 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Fixed @ 1.75%
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 9 -Low
9 yrs (NQ)   05/01/12 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Fixed @ 1.60%
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 9 -High
9 yrs (NQ)   05/01/12 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered Indexed Account
National Western Life
NWL Global Lookback
9 yrs 80 (NQ)   1.00% 87.50% $ 957 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.50+
71-75: 4.00+
76-80: 2.00+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option A: S&P 500 Monthly Average Option J: S&P 500 Point-to-Point w Cap
Option K: Global Lookback Option B: Fixed Interest Rate @ 2.10%
Option D: S&P 500 Monthly Cap
National Western Life
NWL Ultra Future (2% Bonus states)
9 yrs 80 (NQ) 2.00 3.00% 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.00+
71-75: 2.50+
76-80: 1.50+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Fixed @ 2.30% Option A: S&P 500 Monthly Average
Option D: S&P 500 Monthly Cap
National Western Life
NWL Ultra Value
9 yrs 80 (NQ) 2.00 1.00% 87.50% $ 976 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.00+
71-75: 2.50+
76-80: 1.50+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option D: Monthly Cap Annual Reset Option A: Monthly Average Annual Reset
Option B: Fixed Interest Rate @ 2.75%
Surrender Charges Last 8 Years
Amer. General Life Ins. Co.
AG Global 8 Index Annuity
8 yrs 80   1.50% 90.00% $1,014 05/21/12 0-75: 4.75
76-80: 3.00
Monthly Additive Account with Cap Global Multiple Index Account with Cap
Annual Point-to-Point Account with Participation Rate Fixed Interest Account @ 1.30%
Amer. General Life Ins. Co.
AG Global 8 Index Annuity (CA)
8 yrs 80   2.00% 90.00% $1,054 05/21/12 0-75: 4.75
76-80: 3.00
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate
Global Multiple Index Account with Cap Monthly Additive Account with Cap
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
2-Year Point-to-Point Indexed Account
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed Account @ 1.80%
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed Account @ 2.00%
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
2-Year Point-to-Point Indexed Account
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Point-to-Point Indexed Account Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Point-to-Point Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Monthly Cap Indexed Account
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.65% 1-Year S&P 500 Annual Point-to-Point Cap
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 2.05% 1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Fixed @ 1.35%
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 1.75%
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
Surrender Charges Last 7 Years
American National Ins. Co.
Value Lock 7
7 yrs 80   1.00-1.75% 88.75% $1,002 05/01/12 0-75: 6.00
76-80: 4.00
S&P 500 7 Year Point-to-Point
Minnesota Life
SecureLink Annuity
7 yrs 80   05/19/12
Call
SecureLink Indexed Account
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 7 -High
7 yrs 75 0.00 3.00% 90.00% $1,107 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 7 -Low
7 yrs 75 0.00 3.00% 90.00% $1,107 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 7 GROP -Low
7 yrs 75   3.00% 90.00% $1,107 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Western Natl. Life Ins. Co.
WNL POWER Index Annuity 7 GROP -High
7 yrs 75   3.00% 90.00% $1,107 05/21/12
Call
1-Year S&P 500 Annual Point-to-Point
Allianz Life Ins. Co. of North America
MasterDex Plus Annuity
7 yrs 80   1.50% 87.50% $ 971 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 5.00+
1 Year Nasdaq 100 Point-to-Point Cap Fixed Interest Account @ 1.50%
1 Year S&P 500 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year Blended Monthly Average Spread 1 Year Blended Point-to-Point Cap
1 Year S&P 500 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap
Amer. General Life Ins. Co.
AG Vision Advantage 7
7 yrs 85   1.50% 90.00% $ 999 05/21/12 1 Rider
GLWB
 		0-75: 6.00
76-85: 5.00
Fixed Interest Account @ 1.00% Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Monthly Average Account with Index Spread Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Amer. General Life Ins. Co.
AG Vision Advantage 7 (CA)
7 yrs 85   2.00% 90.00% $1,034 05/21/12 1 Rider
GLWB
 		0-75: 6.00
76-UP: 5.00
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Fixed Interest Account @ 2.00%
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap
Monthly Average Account with Index Spread
American National Ins. Co.
ANICO Strategy Indexed Annuity 7
7 yrs 85   1.00% 90.00% $ 965 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 4.00+
81-85: 3.00+
Declared Rate Interest Account @ 1.00% 1 Year S&P 500 Annual Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year S&P500 Monthly Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point 1-Year Hang Seng Point-to-Point
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year S&P500 Monthly Cap 1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
Fixed @ 2.00% 1 Year S&P500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -High
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -High
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) Fixed Strategy @ 2.00%
1-Year Point-to-Point Index Strategy
Fidelity & Guaranty Life
FG Index-Accelerator 7
Product has been withdrawn from sale effective 05/18/2012
Fidelity & Guaranty Life
Prosperity Elite 7
7 yrs (NQ)   1.00% 87.50% $ 938 05/01/12 0-79: 5.00
80-85: 2.50
3-Year S&P 500 Point-to-Point with Cap 1-Year S&P 500 Monthly Average with Cap
Fixed Account @ 1.75% 2-Year S&P 500 Point-to-Point with Cap
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with Cap
1-Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 7 Enhanced
7 yrs (NQ) 3.00 1.00% 87.50% $ 966 05/01/12 1 Rider
Death
 		0-79: 5.00
80-85: 2.50
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with Cap
1-Year S&P 500 Monthly Average with Cap 2-Year S&P 500 Point-to-Point with Cap
Fixed Account @ 1.75% 3-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 7 Protection
7 yrs (NQ) 5.00 1.00% 87.50% $ 985 05/01/12 1 Rider
GLWB
Death
 		0-79: 5.00
80-85: 2.50
2-Year S&P 500 Point-to-Point with Cap 1-Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Monthly Point-to-Point with Cap 1-Year Performance Triggered Account
1-Year S&P 500 Point-to-Point with Cap 3-Year S&P 500 Point-to-Point with Cap
Fixed Account @ 1.75%
Fidelity & Guaranty Life Ins. Co. of New York
FGNY Index-Safety 7
7 yrs 85   1.00% 100% $1,072 05/01/12
Fixed @ 2.00% S&P 500 Monthly Averaging
S&P 500 Annual Point-toPoint S&P 500 Monthly Point-to-Point
Great Amer. Life Ins. Co.
American Legend II
7 yrs 85   1.00% 100% $1,072 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 4.95
76-80: 4.59
81-85: 3.15
Non-Qualified
0-75: 4.95
76-80: 4.59
81-85: 3.15
1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
Declared Rate Strategy @ 1.50% 1 Year S&P 500 Monthly Sum
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Seven -High
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Point-to-Point Cap Index Strategy Interest Rate Benchmark Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Seven -High
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Secure Index Seven -High
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Monthly Cap Index Strategy
Life of the Southwest
SecurePlus Silver
7 yrs 89   1.00% 87.50% $ 938 03/22/12
Average Index Account Ending Index Account
Declared Interest Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed Account @ 1.15% Performance Triggered
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed Account @ 1.30%
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Performance Triggered 1-Year Monthly Cap
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 7 -High
7 yrs (NQ)   05/01/12 0-75: 4.00+
76-80: 3.00+
81-85: 2.00+
Fixed @ 1.70%
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 7 -Low
7 yrs (NQ)   05/01/12 0-75: 4.00+
76-80: 3.00+
81-85: 2.00+
Fixed @ 1.55%
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 7 -High
7 yrs (NQ)   05/01/12 0-75: 4.00+
76-80: 3.00+
81-85: 2.00+
Performance Triggered Indexed Account
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 7 -Low
7 yrs (NQ)   05/01/12 0-75: 4.00+
76-80: 3.00+
81-85: 2.00+
Performance Triggered Indexed Account
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
National Western Life
NWL IMPACT 7
7 yrs 80 (NQ) 5.00 1.00% 87.50% $ 985 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.50+
71-75: 4.00+
76-80: 1.50+
Non-Qualified
0-75: 5.50+
76-80: 3.50+
Option B: Fixed Interest Rate @ 2.15% Option J: 1 Year Annual Point to Point with Cap
Option A: 1 Year Annual Point to Point with Monthly Average Option K: 1 Year Annual Poin to Point with Monthly Average
Option D: 1 Year Annual Point to Point with Monthly Cap
National Western Life
NWL IMPACT 7 S
7 yrs 80 (NQ) 5.00 1.00% 87.50% $ 985 03/23/12 2 Riders
GLWB
Qualified
0-70: 4.50+
71-75: 3.00+
76-80: 0.50+
Non-Qualified
0-75: 4.50+
76-80: 2.50+
Option A: 1 Year Annual Point to Point with Monthly Average Option D: 1 Year Annual Point to Point with Monthly Cap
Option K: 1 Year Annual Point to Point with Monthly Average Option J: 1 Year Annual Point to Point with Cap
Option B: Fixed Interest Rate @ 2.15%
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year Fixed Account @ 2.00% 1-Year S&P 500 Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Point-to-Point 1-Year S&P 500 Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Monthly Average 1-Year S&P GSCI Excess Return Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P 500 Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year Fixed Account @ 2.00% 1-Year S&P 500 Monthly Average
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
The Standard
Index Growth Annuity 7 -Low
7 yrs 90   1.00% 100% $1,072 03/26/12 0-80: 5.00
81-85: 2.75
86-90: 2.25
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
The Standard
Index Growth Annuity 7 -High
7 yrs 90   1.00% 100% $1,072 03/26/12 0-80: 5.00
81-85: 2.75
86-90: 2.25
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 7 -Low
7 yrs 90   1.00% 87.50% $ 938 03/26/12 0-80: 4.00
81-85: 2.00
86-90: 1.45
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 7 -High
7 yrs 90   1.00% 87.50% $ 938 03/26/12 0-80: 4.00
81-85: 2.00
86-90: 1.45
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
Surrender Charges Last 6 Years
American National Ins. Co.
ANICO EIA
6 yrs 85   1.00% 90.00% $ 955 05/01/12 0-79: 5.00
80-85: 3.00
Performance Triggered
Amer. Equity Investment Life Ins. Co.
Integrity Gold (Index 5-07)
6 yrs (NQ)   1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-75: 4.13+
76-80: 3.09+
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.00%
1-Year Dow Jones Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
Fixed Strategy @ 1.30%
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Average Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
Fixed Strategy @ 1.30% 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Average Index Strategy Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Monthly Cap Index
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Declared Rate Strategy @ 1.25%
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Declared Rate Strategy @ 1.25%
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
2-Year Point-to-Point Indexed Account Fixed Account @ 1.65%
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Fixed Account @ 1.50% 2-Year Point-to-Point Indexed Account
Surrender Charges Last 5 Years
Allianz Life Ins. Co. of North America
Allianz Pro V1
5 yrs 85   1.00% 87.50% $ 920 05/01/12 0-75: 3.25
76-80: 2.00
81-UP: 1.00
1-Year Barclay's Capital Spread 1-Year PIMCO US Advantage Index Spread
1-Year Fixed Interest Account @ 1.25%
Allianz Life Ins. Co. of North America
Endurance Elite 5
5 yrs 80   1.00% 87.50% $ 920 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.00+
1-Year S&P 500 Monthly Sum Cap 1-Year Fixed Interest Account @ 1.25%
1-Year Nasdaq 100 Point-to-Point 1-Year Euro STOXX 50 Point-to-Point
1-Year Nasdaq 100 Monthly Sum Cap 1 Year Blended Monthly Average Spread
1-Year Euro STOXX 50 Monthly Sum 1-Year S&P 500 Point-to-Point
1-Year Blended Point-to-Point
Amer. Equity Investment Life Ins. Co.
Heritage Gold (ICC11-IDX2)
5 yrs (NQ)   1.50% 87.50% 11/07/11 79-85: 0.50+
S&P 500 Point-to-Point Fixed @ 1.00%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P 500 Point-to-Point (Participation)
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed @ 2.00% 1-Year S&P500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Hang Seng Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P500 Monthly Cap 1-Year Hang Seng Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed Strategy @ 2.00%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Interest Rate Benchmark Strategy (ROP) Fixed Rate Strategy @ 1.00%
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP)
Fixed Rate Strategy @ 1.00%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Point-to-Point Cap Index Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy (ROP) @ 1.00% Point-to-Point Cap Index Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy (ROP) @ 1.00%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Point-to-Point Cap Index Strategy Interest Rate Benchmark Strategy (ROP)
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Cap 1-Year Fixed Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered 1-Year Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 5 -Low
5 yrs (NQ)   05/01/12 0-75: 3.50+
76-80: 2.60+
81-85: 1.75+
Performance Triggered Indexed Account
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 5 -High
5 yrs (NQ)   05/01/12 0-75: 3.50+
76-80: 2.60+
81-85: 1.75+
Fixed @ 1.60% Performance Triggered Indexed Account
Lincoln Life & Annuity of New York
Lincoln OptiChoice NY 5 -Low
5 yrs (NQ)   05/01/12 0-75: 3.50+
76-80: 2.60+
81-85: 1.75+
Fixed @ 1.45%
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year Fixed Account @ 1.00%
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Monthly Average 1-Year S&P GSCI Excess Return Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Monthly Average 1-Year S&P 500 Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Monthly Average 1-Year Fixed Account @ 1.15%
The Standard
Index Growth Annuity 5 -High
5 yrs 90   1.00% 100% $1,051 03/26/12 0-80: 4.00
81-85: 2.25
86-90: 1.85
Fixed Interest Account @ 1.70%
The Standard
Index Growth Annuity 5 -Low
5 yrs 90   1.00% 100% $1,051 03/26/12 0-80: 4.00
81-85: 2.25
86-90: 1.85
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Growth Annuity 5 -High
5 yrs 90   1.00% 100% $1,051 03/26/12 0-80: 4.00
81-85: 2.25
86-90: 1.85
1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 5 -Low
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 5 -High
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 5 -Low
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 5 -High
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
1-Year S&P 500 Annual Point-to-Point
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Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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