Indexed Annuity Detail Sheet

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Amer. National Life Ins. Co. of NY Assurity Life Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life National Western Life North American Company Protective Life Corporation Royal Neighbors of America Security Benefit Life Symetra Life Insurance Co. The Standard VALIC Western National Life Ins. Co. SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate Products with Riders - Guaranteed Life Income Riders Death Benefit Riders Guaranteed Life with Death Benefit - Any Type of Rider -

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-05) DE	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 17 years:		20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NJ NV NY OK OR PR TX UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Ages 0 to 76 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Ages 0 to 76 in states IN (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Age 77+ in states IN (16 years): 17.5 16.5 15.5 15 14 13 12.5 11.5 10.5 10 9 7.5 6 4.5 3 1.5
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT GA IL MN NJ NY OR PA PR UT VI WA	see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,321)
	Account Name Indicie Type Reset Averaging Part Spread Cap Average Index Account S&P 500 Point to Point Annual Monthly 40     Ending Index Account S&P 500 Point to Point Annual None 100   4.25 Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus
Life of the Southwest SecurePlus Platinum (after 3/21/06)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT NJ NY OR PR VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,016)
	Account Name Indicie Type Reset Averaging Part Spread Cap Average Index Account S&P 500 Point to Point Annual Daily 45   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   4.50 Declared Interest Account 1-Year Fixed Rate (no bonus) 2.25%
National Western Life NWL Ultra Future	Non-Qualified Owner: 85 Annuitant: 80 Qualified Owner: 85 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  Yes-Annualization	Not Available in: AK AL CT DE IL IN MA MN MS NJ NV NY OR PA PR SC UT WA	Qualified 0-70: 5.00+ 71-75: 1.50+ 76-80: 0.25+ Non-Qual 0-75: 5.00+ 76-80: 3.00+ see notes
	Withdrawal Notes:			Prem Bonus: 4.75-10.00
	Ages 0 to 46 (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2 Ages 47 to 47 (15 years): 19 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10 8 6 4 2 Ages 48 to 48 (15 years): 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 8 6 4 2 Ages 49 to 49 (15 years): 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2 Ages 50 to 50 (15 years): 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 51 to 51 (15 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2 Ages 52 to 52 (15 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 53 to 53 (15 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 54 to 54 (15 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 55 to 55 (15 years): 14.25 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 56 to 56 (15 years): 15.25 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 57 to 57 (15 years): 16.25 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Ages 58 to 58 (15 years): 17.25 16.25 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 59 to 59 (15 years): 18.25 17.25 16.5 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2 Age 60+ (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,117)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.30% Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.25 Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 0.70
Surrender Charges Last 14 Years
EquiTrust Life Insurance Company Market Power Bonus Index	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: CT DE MN NV NY OR PR TX UT VI WA	0-75: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AL, AR, AZ, CA, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2 For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5 For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,270)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     8.00 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.50 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.50 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25
EquiTrust Life Insurance Company MarketTwelve Bonus	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NV NY OR PR TX UT VI WA	0-75: 9.00
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		20 20 19 19 18 17 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,224)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1-Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 20     2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.25 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.15%
Fidelity & Guaranty Life FG AccumulatorPlus 14	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT MA MN MS NV NY OK OR PR TX UT VI WA	0-80: 7.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     6.25 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 2.75% 1 Year Index Gain Option with Declared Rate S&P 500 Perf Trig Annual None       1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.75 1 Year S&P 500 Point-to-Point with Cap S&P 500 Point to Point Annual None     5.50
Fidelity & Guaranty Life Prosperity Elite 14	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.10 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 Fixed Account 1-Year Fixed Rate (no bonus) 1.90% 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.00 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fidelity & Guaranty Life Prosperity Elite 14 Enhanced	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,066)
	Account Name Indicie Type Reset Averaging Part Spread Cap 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 Fixed Account 1-Year Fixed Rate (no bonus) 1.90% 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.10
Fidelity & Guaranty Life Prosperity Elite 14 Protection	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			Premium Bonus: 9.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,096)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.90% 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.10
National Western Life NWL Ultra Benefit	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL CT DE FL IL IN MA MN MS NJ NV NY OR PA SC UT WA	Qualified 0-70: 6.00+ 71-75: 3.50+ 76-81: 1.50+ Non-Qual 0-75: 6.00+ 76-80: 4.00+ 81-85: 1.50+ see notes
	Withdrawal Notes:			Prem Bonus: 4.00-5.00
	Ages 0 to 49 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2 Ages 50 to 50 in states AR, AZ, CA, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2 For states TX (14 years): 11.75 11 10 9.25 8.25 7.5 6.5 5.75 4.75 3.75 3 2.25 1.5 0.75 Ages 51 to 51 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 52 to 52 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2 Ages 53 to 53 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 54 to 54 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 55 to 55 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 56 to 56 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 57 to 57 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WY (14 years): 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 58 to 58 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Ages 59 to 59 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Age 60+ in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,056)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 50 0.90   Option B: Fixed Interest Rate 1-Year Fixed Rate (no bonus) 1.40% Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.50
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	Non-Qualified Owner: 85 Annuitant: 80 Qualified Owner: 85 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL CT DE IL IN MA MN MS NJ NV NY OR PA SC UT WA	Qualified 0-70: 10.00+ 71-75: 8.00+ 76-80: 7.00+ Non-Qual 0-75: 10.00+ 76-80: 8.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Ages 51 to 51 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 52 to 52 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 53 to 53 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.25 13.25 12.5 11.75 10.75 10.75 9 8.25 7.25 6.5 5.5 4 2 Ages 54 to 54 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 55 to 55 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 56 to 56 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 57 to 57 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 58 to 58 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 59 to 59 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Age 60+ in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 0 to 50 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 For states TX (13 years): 10.75 9.75 9 8 7.25 6.25 5.25 4.25 3.25 2.25 1.75 1 0.75
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.80% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 0.10   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.25
Surrender Charges Last 12 Years
American General Life Insurance Company AG HorizonIndex Annuity 12	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA CT DE FL MN NJ NV NY OH OR PR SC TX UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.15% 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     5.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00
American General Life Insurance Company AG HorizonIndex Annuity 12 (CA)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA	0-75: 8.00 76-80: 4.00 81-85: 2.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     5.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.00% Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00
Life of the Southwest SecurePlus Elite	Non-Qualified Owner: Annuitant: Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 3,000 Monthly: 3,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IL MA ME MN NJ NY OR PR UT VI WA WY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $986)
	Account Name Indicie Type Reset Averaging Part Spread Cap Average Index Account S&P 500 Point to Point Annual Daily 30     Ending Index Account S&P 500 Point to Point Annual None     3.75 Declared Interest Account 1-Year Fixed Rate (no bonus) 1.80%

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Life of the Southwest SecurePlus Elite 5 403(b) & 457	Non-Qualified Owner: 0 Annuitant: 0 Qualified Owner: 55 Annuitant: 55	Non-Qualified Single: 1 Monthly: 1 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: CT IN KY MA MT NH NJ NY OR PA PR TX VI VT WA WY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.95%  (GMR/1000 $1,103)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     3.25 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.25 Declared Interest Account 1-Year Fixed Rate (no bonus) 1.95%
Surrender Charges Last 10 Years
Aviva Life & Annuity (MultiChoice Series) MultiChoice Advantage High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-79: 5.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Ultra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) MultiChoice Advantage Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-79: 5.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
Aviva Life & Annuity (Income Series) Income Preferred Ultra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 04/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MA MN ND NJ NY OR VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 05/01/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-1.75%  (GMR/1000 $1,071)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 100
Allianz Life Insurance Company of North America Allianz 360 Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK NY PR VI	0-75: 7.00 76-80: 5.00
	Withdrawal Notes:			No Premium Bonus
	For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, OK, OR, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states AL, CA, CT, DE, IA, IN, KY, MN, MO, MS, MT, NJ, NV, OH, PA, SC, TX, UT, WA (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
	Guaranteed Minimum Value:		87.5% of Premium at 1.00-1.35%  (GMR/1000 $1,001)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Eurostoxx 50 Annual Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     3.25 1-Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1-Year Nasdaq 100 Annual Point-to-Poiont Nasdaq 100 Point to Point Annual None     3.00 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1-Year Blended Annual Point-to-Point Cap Blended Indicies Point to Point Annual None     3.00 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.80 1-Year Eurostoxx 50 Monthly Sum Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.90 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 150   3.00 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.55%
Allianz Life Insurance Company of North America Allianz 365i Annuity	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states IN, MN, MS, NJ, NV, OH, OR, PA, SC, TX, WA (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 For states CT, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00-1.95%  (GMR/1000 $1,125)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     2.75 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1 Year EuroSTOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     3.00 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.70 1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None     4.75 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.70 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None       1 Year EuroSTOXX 50 Monthly Sum Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.80 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     2.75
Allianz Life Insurance Company of North America Endurance Plus	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI WA	0-75: 7.00+ 76-80: 3.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states AL, CA, DE, IA, IN, KY, MN, MS, TX (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 For states CT, NJ, PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.25 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.65% 1 Year S&P 500 SELECT Point-to-Point Cap S&P 500 Point to Point Annual None     5.25 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     1.90 1 Year Blended Monthly Average Blended Indicies Point to Point Annual Monthly   4.50   1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.90 1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.30 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     3.75 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     3.25
Allianz Life Insurance Company of North America MasterDex 10 Plus Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CA CT FL NV NY OR PA PR UT VI WA	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 10 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,063)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.20 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.05% 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     4.25 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     4.75 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.20 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     2.30 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.25 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     4.25
Allianz Life Insurance Company of North America MasterDex 3 Plus	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-69: 7.00 70-80: 5.00
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1 0
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Nasdaq 100 Monthly Sum Nasdaq 100 Point to Point Annual Monthly Sum     1.70 Blended Index Annual Point-to-Point Blended Indicies Point to Point Annual Annual     2.75 1-Year Fixed Interest Option 1-Year Fixed Rate (no bonus) 1.50% Nasdaq 100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     3.00 FTSE 100 Monthly Sum FTSE 100 Point to Point Annual Monthly Sum     1.80 Blended Index Monthly Averaging Blended Indicies Point to Point Annual Monthly   4.50   1-Year S&P 500 Monthly Sum S&P 500 Point to Point Annual Monthly Sum     1.70 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.75 FTSE 100 Annual Point-to-Point FTSE 100 Point to Point Annual None     3.00
Allianz Life Insurance Company of North America MasterDex 5 Plus Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY OR PR VI	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 15 15 15 15 12.86 10.71 8.57 6.43 4.29 2.14 For states AL, DE, IA, IN, KY, MN, MS (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 For states CT, NJ, PA, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     1.80 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     3.00 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.70 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     2.75 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     2.75 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.70 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50
Allianz Life Insurance Company of North America MasterDex X Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT NY PR VI	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states IN, MN, MS, OR, WA (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
	Guaranteed Minimum Value:		87.5% of Premium at 1.95-2.05%  (GMR/1000 $1,136)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.30 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.35% 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.00 1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.90 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00 1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     3.25 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.80
American Equity Investment Life Insurance Company Advantage Gold	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE FL MN NJ NV NY OR PA PR UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		16 15 14 13 11.5 10 8.5 7.5 5.5 4
	Guaranteed Minimum Value:		84% of Premium at 1.50-3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 15     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15     1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.65% 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60
American Equity Investment Life Insurance Company Benefit Gold (ICC10 IDX 110*)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN NJ NV OR PA UT WA	0-75: 5.25+ 76-80: 3.94+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		13.25 12 10.75 9.25 8 6.75 5.5 4 2.5 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.00 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00
American Equity Investment Life Insurance Company Retirement Gold (02-09)	Non-Qualified Owner: 78 Annuitant: Qualified Owner: 78 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE FL MN NJ NV NY OR PA PR SC TX UT VI WA	0-78: 6.00+ see notes
	Withdrawal Notes:			Prem Bonus: 5.00-8.00
	For states AR, AZ, CA, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 12.5 12 12 11 10 9 8 7 6 4 Ages 0 to 73 in states IN (10 years): 12.5 12 12 11 10 9 8 7 6 4 Age 74+ in states IN (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15     1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual None 15
American Equity Investment Life Insurance Company Retirement Gold (INDEX-4-10-FL)	Non-Qualified Owner: 78 Annuitant: Qualified Owner: 78 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: FL	0-64: 6.00+ 65-75: 5.25+ 76-78: 4.50+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years: 12.5 12 11 10 9 8 6 5 3 2 Age 65+ (10 years): 10 10 10 9 8 7 6 5 3.5 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 15     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15     1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60%
American Equity Investment Life Insurance Company Retirement Gold (RG-FIA-09)	Non-Qualified Owner: 78 Annuitant: Qualified Owner: 78 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE	0-78: 5.25+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states DE (10 years): 10 9 7.5 6.5 5 4 3 2 1.5 1 For states OR (10 years): 10 9 8 7 6 5 3.5 2 0.75 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 15     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15
American Equity Investment Life Insurance Company Traditions Gold (ICC11 IDX4)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AL CA CT DE MT NY PR VI	0-75: 4.50+ 76-UP: 3.40+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.25 7.25 6.25 5.25 4.25 3.25 2.25 1 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Annual Point-to-Point with Participation S&P 500 Point to Point Annual None 15     S&P 500 Monthly Average with Participation S&P 500 Point to Point Annual Monthly     15.00 S&P 500 Annual Point-to-Point with Cap S&P 500 Point to Point Annual None     3.00 Traditional Fixed Strategy 1-Year Fixed Rate (no bonus) 1.60% S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 10-Year U.S. Treasury Bond 10 Year US Treasury Point to Point Annual None     3.00 S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     4.25
American Equity Investment Life Insurance Company Traditions Gold Plus (ICC11 IDX3)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN NJ NV OR PA SC TX UT WA	0-75: 4.50+ 76-UP: 3.40+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		9 8.25 7.25 6.25 5.25 4.25 3.25 2.25 1 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 10-Year U.S. Treasury Bond 10 Year US Treasury Point to Point Annual None     3.00 S&P 500 Annual Point-to-Point with Participation S&P 500 Point to Point Annual None 15     S&P 500 Annual Point-to-Point with Cap S&P 500 Point to Point Annual None     3.00 Traditional Fixed Strategy 1-Year Fixed Rate (no bonus) 1.60% S&P 500 Monthly Average with Participation S&P 500 Point to Point Annual Monthly 15     S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60
American General Life Insurance Company AG Global Bonus Index Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA CT DE MN MO NJ NV NY OH OR PA PR SC TX UT VI VT WA	0-75: 5.25 76-80: 2.75
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,219)
	Account Name Indicie Type Reset Averaging Part Spread Cap Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     2.00 Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 20     Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.25%
American General Life Insurance Company AG Global Bonus Index Annuity (CA)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA	0-75: 5.25 76-80: 2.75
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,280)
	Account Name Indicie Type Reset Averaging Part Spread Cap Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 30     Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.00 Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     3.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
American General Life Insurance Company AG Vision Maximizer	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CA DE FL IL MN MO MS NJ NV NY OH OR PA PR TX UT VI VT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		17 16 15 14 13 10 9 8 7 6
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,097)
	Account Name Indicie Type Reset Averaging Part Spread Cap Annual Point-to-Point Account with Adjustable Participation S&P 500 Point to Point Annual None 15     Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.50   Annual Point-to-Point Account with Cap S&P 500 Point to Point Annual None     2.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.00%
American General Life Insurance Company AG Vision Maximizer (CA)	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: CA	0-UP: 8.00
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		17 16 15 14 13 10 9 8 7 6
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,152)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.00   Annual Point-to-Point with Adjustable Participation S&P 500 Point to Point Annual None 30     Annual Point-to-Point with Cap S&P 500 Point to Point Annual None 100   2.00
American National Insurance Company ANICO Strategy Indexed Annuity 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MA MN NY OR PA UT VI VT	0-75: 8.00+ 76-80: 6.50+ 81-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.00%  (GMR/1000 $994)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Rate Interest Account 1-Year Fixed Rate (no bonus) 1.00% 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.00
Aviva Life & Annuity (Income Series) Income Preferred Bonus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%
Aviva Life & Annuity (Income Series) Income Preferred Bonus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (Income Series) Income Preferred Bonus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25
Aviva Life & Annuity (Income Series) Income Preferred Bonus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (Income Series) Income Preferred Bonus Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (Income Series) Income Preferred Bonus Pro Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     2.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (Income Series) Income Preferred Bonus Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25
Aviva Life & Annuity (Income Series) Income Preferred Bonus Pro Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (Income Series) Income Preferred Bonus Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: FL	65-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Aviva Life & Annuity (Income Series) Income Preferred Bonus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Aviva Life & Annuity (Income Series) Income Preferred Bonus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None     1.05
Aviva Life & Annuity (Income Series) Income Preferred Bonus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (Income Series) Income Preferred Bonus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Aviva Life & Annuity (Income Series) Income Preferred Bonus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual None     1.60
Aviva Life & Annuity (Income Series) Income Preferred Bonus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (Income Series) Income Preferred Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (Income Series) Income Preferred Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.40%
Aviva Life & Annuity (Income Series) Income Preferred Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
Aviva Life & Annuity (Income Series) Income Preferred Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (Income Series) Income Preferred Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (Income Series) Income Preferred Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.25
Aviva Life & Annuity (Income Series) Income Preferred Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: DE NJ NY OR PA PR VI WA	0-75: 7.50 76-78: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (Income Series) Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00 Fixed 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (Income Series) Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (Income Series) Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Aviva Life & Annuity (Income Series) Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (Income Series) Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (Income Series) Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (Income Series) Income Select Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (Income Series) Income Select Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Income Select Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (Income Series) Income Select Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (Income Series) Income Select Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (Income Series) Income Select Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1 Withdrawal Charges 10 years: 13.1 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 3.00-6.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None     3.00
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 5.00-7.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,034)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.55
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 3.00-6.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.35%
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 5.00-7.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,034)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.90 1-Year Point-to-Point with Cap Rate S&P 500 Point to Point Annual None     3.00

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 3.00-6.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.55
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 5.00-7.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,034)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Crediting Rate 1-Year Fixed Rate (no bonus) 1.35%
Aviva Life & Annuity (Income Series) Lifetime Solutions Annuity Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: FL HI NJ NY OR PA PR VI WA	0-74: 7.00 75-78: 5.00
	Withdrawal Notes:			Prem Bonus: 3.00-6.00
	For states AL, AR, AZ, CA, CO, DC, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1 For states AK, DE, MN, NV, SC, TX, UT (10 years): 9.8 9.5 8.5 7.5 6.5 5.4 4.4 3.3 2.2 1.1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Rate S&P 500 Point to Point Annual Monthly Sum     1.90
Aviva Life & Annuity (MultiChoice Series) MulitChoice Xtra Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL	65-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Aviva Life & Annuity (MultiChoice Series) MulitChoice Xtra Pro Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL	65-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (MultiChoice Series) MulitChoice Xtra Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL	65-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%
Aviva Life & Annuity (MultiChoice Series) MulitChoice Xtra Pro Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL	65-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
Aviva Life & Annuity (MultiChoice Series) MulitChoice Xtra Pro High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL	65-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.50 76-78: 4.50
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, UT (10 years): 16 15 14 13 12 11 10 8 6 4 For states NJ (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Plus S High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OR PA	0-75: 5.00 76-78: 3.00
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05 Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE NJ OR PA	0-75: 6.50 76-78: 4.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Average Index Strategy (no spread) S&P 500 Point to Point Annual Monthly     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Multiple Index Strategy (no spread) Blended Indicies Point to Point Annual Monthly     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Participation Index Strategy (no cap) S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy (no spread) S&P 500 Point to Point Annual Monthly     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Multiple Index Strategy (no spread) Blended Indicies Point to Point Annual Monthly     4.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.05

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00 1-Year Point-to-Point Participation Index Strategy (no cap) S&P 500 Point to Point Annual None 25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Income Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NJ	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states CA, HI, IN, MO, MS, MT, NJ, NM, NV, SC, VA (10 years): 12 12 12 11 10 9 8 7 6 4 For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Index S&P 500 Point to Point Annual None     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Index S&P 500 Point to Point Annual None     3.25 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE NJ NY OR PA PR VI	0-75: 7.50 76-UP: 5.50 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.40%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.55%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.05
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.00 76-78: 5.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4 For states SC, TX (10 years): 9.2 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,025)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index S&P 500 Point to Point Annual Monthly Sum     1.05 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00%
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.25 Fixed Strategy 1-Year Fixed Rate (no bonus) 1.00% 1-Year Point-to-Point S&P 500 Index S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Index S&P 500 Point to Point Annual None     2.00
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap Index S&P 500 Point to Point Annual Monthly Sum     1.60
Aviva Life & Annuity (MultiChoice Series) MultiChoice Xtra (S) Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT MN UT WA	0-75: 6.00 76-78: 4.00 see notes
	Withdrawal Notes:			Prem Bonus: 3.00-4.00
	For states AK, UT (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3 For states CT, MN, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,005)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     2.00
EquiTrust Life Insurance Company Market Ten Bonus Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NV NY OR PR TX UT VI WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00 1-Year S&P 500 Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     3.00 1-Year S&P 500 Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     1.25 1-Year S&P 500 Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 20     1-Year Interest Account 1-Year Fixed Rate (no bonus) 1.15% 2-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00
EquiTrust Life Insurance Company Market Value Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY OR PR TX VI	0-80: 6.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 12 11 10 8 6 4 2 For states AK, CT, MN, NV, UT, WA (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states FL (10 years): 10 10 10 10 10 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 30     1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.40% 1-Year Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     4.75 2-Year Monthly Average Cap Index Account S&P 500 Point to Point Biennial Monthly     15.00 1-Year Monthly Average Cap Index Account S&P 500 Point to Point Annual Monthly     5.00
Fidelity & Guaranty Life FG AccumulatorPlus 10	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AL CT MN MS NY OR PR VI WA	0-79: 6.25+ 80-85: 3.13+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3 For states AK, MA, NV, OK, TX, UT (10 years): 9 9 8 7 6 5 4 3 2 1 Age 65+ in states FL (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Point-to-Point with Cap S&P 500 Point to Point Annual None     4.75 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     5.00 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.50 1 Year Index Gain Option with Declared Rate S&P 500 Perf Trig Annual None
Fidelity & Guaranty Life FG Index-Accelerator 10	Product has been withdrawn from sale effective 05/18/2012
Fidelity & Guaranty Life Prosperity Elite 10	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: CT MN MS NY OR PR VI WA	0-79: 7.00+ 80-85: 3.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3 For states AK, MA, NV, OK, TX, UT (10 years): 9 9 8 7 6 5 4 3 2 1 Age 65+ in states FL (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     3.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     14.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.80% 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     9.00 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     4.00 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None
Fidelity & Guaranty Life Prosperity Elite 10 Enhanced	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: CT MN MS NY OR PR VI WA	0-79: 7.00+ 80-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3 For states AK, MA, NV, OK, TX, UT (10 years): 9 9 8 7 6 5 4 3 2 1 Age 65+ in states FL (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     14.00 1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     3.75 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     9.00 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     4.00 Fixed Account 1-Year Fixed Rate (no bonus) 1.80%
Fidelity & Guaranty Life Prosperity Elite 10 Protection	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: CT MN MS NY OR PR VI WA	0-79: 7.00+ 80-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 11 10 9 8 7 6 5 4 3 For states AK, MA, NV, OK, TX, UT (10 years): 9 9 8 7 6 5 4 3 2 1 Age 65+ in states FL (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     3.75 Fixed Account 1-Year Fixed Rate (no bonus) 1.80% 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     14.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     9.00 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     4.00 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None
Fidelity & Guaranty Life Insurance Company of New York FGNY Index-Choice 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Only Available in: NY	see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	Withdrawal Charges 10 years:		10 10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.50 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.00 S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     3.25 Fixed 1-Year Fixed Rate (no bonus) 2.00%
Forethought Financial Bonus Advantage	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT NY PR VI	55-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years):