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

Top MYGA

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E-mail: timm@westlandinc.com

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Company

Rate Gtd

Age

Comm
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Company	Product	Years Gtd	Premium Bonus	1st Year Rate	Rate Thereafter	Gtd Yield to Surrender	Commission
10 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty 10 [MVA]	10		3.50	3.50	3.50	3.00 +notes
EquiTrust Life Ins. Co.	Certainty Select 10 [MVA]	10		3.50	3.50	3.50	3.00 +notes
North American Company	Guarantee Choice 10 High-Band [MVA]	10		3.15	3.15	3.15	2.50 +notes
North American Company	Guarantee Choice 10 Low-Band [MVA]	10		3.00	3.00	3.00	2.50 +notes
Lincoln Financial Group	Lincoln Select 10 High-Band [MVA]	10		2.80	2.80	2.80	Call
The Standard	Focused Growth Annuity 10 High-Band [MVA, LOAN]	10		2.70	2.70	2.70	3.00
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 10 High-Band	10		3.55	2.55	2.65	4.00
Lincoln Financial Group	Lincoln Select 10 Low-Band [MVA]	10		2.65	2.65	2.65	Call
American National Ins. Co.	Palladium MYG Annuity 10 High-Band [MVA]	10		3.55	2.55	2.65	4.00
The Standard	Focused Growth Annuity 10 Low-Band [MVA, LOAN]	10		2.60	2.60	2.60	3.00
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 10 Low-Band	10		3.45	2.45	2.55	4.00
American National Ins. Co.	Palladium MYG Annuity 10 Low-Band [MVA]	10		3.45	2.45	2.55	4.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10		2.55	2.55	2.55	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10		2.55	2.55	2.55	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10		2.40	2.40	2.40	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10		2.40	2.40	2.40	2.50
Western Natl. Life Ins. Co.	Set Rate Annuity 10 High-Band [MVA]	10		2.00	2.00	2.00	4.00
Allianz Life Ins. Co. of North America	Dominator Plus 10 High-Band [MVA, LOAN]	10		2.00	2.00	2.00	4.00
Amer. General Life Ins. Co.	AG HorizonSelect 10 [MVA]	10		2.00	2.00	2.00	4.00 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 10 (CA) [MVA]	10		2.00	2.00	2.00	4.00 +notes
Allianz Life Ins. Co. of North America	Dominator Plus 10 Low-Band [MVA, LOAN]	10		1.90	1.90	1.90	4.00
ING Annuity and Asset Sales	Guarantee Choice 10 High-Band [MVA]	10		2.75	1.75	1.85	3.25 +notes
Protective Life Corporation	FutureSaver II Annuity 10 High-Band [MVA]	10	1.00	1.75	1.75	1.85	3.25
Western Natl. Life Ins. Co.	Set Rate Annuity 10 Low-Band [MVA]	10		1.80	1.80	1.80	4.00
Protective Life Corporation	FutureSaver II Annuity 10 Low-Band [MVA]	10		1.75	1.75	1.75	3.25
ING Annuity and Asset Sales	Guarantee Choice 10 Low-Band [MVA]	10		1.75	1.75	1.75	3.25 +notes
Protective Life Corporation	FutureSaver II Annuity 10 (ROP) Low-Band [MVA]	10		1.70	1.70	1.70	3.25
Protective Life Corporation	FutureSaver II Annuity 10 (ROP) High-Band [MVA]	10		1.70	1.70	1.70	3.25
9 Year Interest Rate Guarantees
North American Company	Guarantee Choice 9 High-Band [MVA]	9		3.00	3.00	3.00	2.50 +notes
North American Company	Guarantee Choice 9 Low-Band [MVA]	9		2.80	2.80	2.80	2.50 +notes
Minnesota Life	SecureOption Select 9-Year High-Band [MVA]	9		2.80	2.80	2.80	see notes
American National Ins. Co.	Palladium MYG Annuity 9 High-Band [MVA]	9		4.45	2.45	2.67	3.00
Minnesota Life	SecureOption Select 9-Year Low-Band [MVA]	9		2.60	2.60	2.60	see notes
Lincoln Financial Group	Lincoln Select 9 High-Band [MVA]	9		2.60	2.60	2.60	Call
American National Ins. Co.	Palladium MYG Annuity 9 Low-Band [MVA]	9		4.35	2.35	2.57	3.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	9		2.55	2.55	2.55	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	9		2.55	2.55	2.55	2.50
Lincoln Financial Group	Lincoln Select 9 Low-Band [MVA]	9		2.45	2.45	2.45	Call
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	9		2.40	2.40	2.40	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	9		2.40	2.40	2.40	2.50
Western Natl. Life Ins. Co.	Set Rate Annuity 9 High-Band [MVA]	9		1.80	1.80	1.80	4.00
Protective Life Corporation	FutureSaver II Annuity 9 High-Band [MVA]	9	1.00	1.60	1.60	1.71	3.25
Protective Life Corporation	FutureSaver II Annuity 9 (ROP) High-Band [MVA]	9	1.00	1.55	1.55	1.66	3.25
Protective Life Corporation	FutureSaver II Annuity 9 Low-Band [MVA]	9		1.60	1.60	1.60	3.25
Western Natl. Life Ins. Co.	Set Rate Annuity 9 Low-Band [MVA]	9		1.60	1.60	1.60	4.00
Protective Life Corporation	FutureSaver II Annuity 9 (ROP) Low-Band [MVA]	9		1.55	1.55	1.55	3.25
8 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 8 [MVA]	8		4.00	3.00	3.12	3.00 +notes
EquiTrust Life Ins. Co.	Certainty 8 [MVA]	8		4.00	3.00	3.12	3.00 +notes
North American Company	Guarantee Choice 8 High-Band [MVA]	8		2.80	2.80	2.80	2.50 +notes
American National Ins. Co.	Palladium MYG Annuity 8 High-Band [MVA]	8		2.65	2.65	2.65	2.50
North American Company	Guarantee Choice 8 Low-Band [MVA]	8		2.60	2.60	2.60	2.50 +notes
American National Ins. Co.	Palladium MYG Annuity 8 Low-Band [MVA]	8		2.55	2.55	2.55	2.50
Lincoln Financial Group	Lincoln Select 8 High-Band [MVA]	8		2.55	2.55	2.55	Call
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 8 [MVA]	8		2.45	2.45	2.45	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	8		2.45	2.45	2.45	2.50
Lincoln Financial Group	Lincoln Select 8 Low-Band [MVA]	8		2.40	2.40	2.40	Call
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 Low-Band [MVA]	8		2.30	2.30	2.30	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	8		2.30	2.30	2.30	2.50
Western Natl. Life Ins. Co.	Set Rate Annuity 8 High-Band [MVA]	8		1.60	1.60	1.60	4.00
Protective Life Corporation	FutureSaver II Annuity 8 High-Band [MVA]	8	1.00	1.45	1.45	1.58	3.00
Protective Life Corporation	FutureSaver II Annuity 8 (ROP) High-Band [MVA]	8	1.00	1.40	1.40	1.53	3.00
Protective Life Corporation	FutureSaver II Annuity 8 Low-Band [MVA]	8		1.45	1.45	1.45	3.00
Protective Life Corporation	FutureSaver II Annuity 8 (ROP) Low-Band [MVA]	8		1.40	1.40	1.40	3.00
Western Natl. Life Ins. Co.	Set Rate Annuity 8 Low-Band [MVA]	8		1.40	1.40	1.40	4.00
7 Year Interest Rate Guarantees
Amer. Equity Investment Life Ins. Co.	Guarantee 7 (SPDA-MYGA) MVA [MVA]	7		2.70	2.70	2.70	3.00
The Standard	Focused Growth Annuity 7 High-Band [MVA, LOAN]	7		2.60	2.60	2.60	2.50
North American Company	Guarantee Choice 7 High-Band [MVA]	7		2.55	2.55	2.55	2.50 +notes
The Standard	Focused Growth Annuity 7 Low-Band [MVA, LOAN]	7		2.50	2.50	2.50	2.50
Lincoln Financial Group	Lincoln Select 7 High-Band [MVA]	7		2.45	2.45	2.45	Call
Fidelity & Guaranty Life	FG Guarantee-Plus 7 [MVA]	7		3.30	2.30	2.44	3.25
Fidelity & Guaranty Life	FG Guarantee-Platinum 7 [MVA]	7		2.40	2.40	2.40	3.25
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	7		2.40	2.40	2.40	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	7		2.40	2.40	2.40	2.50
North American Company	Guarantee Choice 7 Low-Band [MVA]	7		2.35	2.35	2.35	2.50 +notes
Lincoln Financial Group	Lincoln Select 7 Low-Band [MVA]	7		2.30	2.30	2.30	Call
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 7 High-Band	7		3.15	2.15	2.29	2.50
American National Ins. Co.	Palladium MYG Annuity 7 High-Band [MVA]	7		3.15	2.15	2.29	2.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	7		2.25	2.25	2.25	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	7		2.25	2.25	2.25	2.50
Great Amer. Life Ins. Co.	SecureGain 7 High-Band [STEP RATE]	7		1.00	Step Rate	2.24	3.60
Amer. Equity Investment Life Ins. Co.	Guarantee 7 (SPDA-MYGA)	7		2.20	2.20	2.20	2.50
American National Ins. Co.	Palladium MYG Annuity 7 Low-Band [MVA]	7		3.05	2.05	2.19	2.50
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 7 Low-Band	7		3.05	2.05	2.19	2.50
Great Amer. Life Ins. Co.	SecureGain 7 Low-Band [STEP RATE]	7		1.00	Step Rate	2.14	3.60
Great Amer. Life Ins. Co.	SecureGain 7 No MVA High-Band [MVA, STEP RATE]	7		1.00	Step Rate	2.09	3.60
Minnesota Life	SecureOption Select 7-Year High-Band [MVA]	7		2.05	2.05	2.05	see notes
Amer. General Life Ins. Co.	AG HorizonSecure 7 (CA)	7		2.00	2.00	2.00	4.00 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 7 (CA) [MVA]	7		2.00	2.00	2.00	4.00 +notes
Great Amer. Life Ins. Co.	SecureGain 7 No MVA Low-Band [MVA, STEP RATE]	7		1.00	Step Rate	1.99	3.60
Security Benefit Life	Lighthouse Select 7 High-Band	7		1.90	1.90	1.90	Call
Minnesota Life	SecureOption Select 7-Year Low-Band [MVA]	7		1.85	1.85	1.85	see notes
Amer. General Life Ins. Co.	AG HorizonSelect 7 [MVA]	7		1.80	1.80	1.80	4.00 +notes
Security Benefit Life	Lighthouse Select 7 Low-Band	7		1.80	1.80	1.80	Call
Symetra Life Insurance Co.	Symetra Custom 7 High-Band	7		2.15	1.65	1.72	4.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 High-Band	7		2.15	1.65	1.72	Call
VALIC	VALIC Assured Choice Annuity 7 High-Band [MVA]	7		1.70	1.70	1.70	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Mid-Band	7		2.10	1.60	1.67	Call
Symetra Life Insurance Co.	Symetra Custom 7 Mid-Band	7		2.10	1.60	1.67	4.00
Lincoln Financial Group	Lincoln Long-Term Care Fixed Annuity Low-Band [MVA]	7		1.65	1.65	1.65	6.00
Lincoln Financial Group	Lincoln Long-Term Care Fixed Annuity High-Band [MVA]	7		1.65	1.65	1.65	6.00
ING Annuity and Asset Sales	Guarantee Choice 7 High-Band [MVA]	7		2.50	1.50	1.64	2.50 +notes
VALIC	VALIC Assured Choice Annuity 7 Mid-Band [MVA]	7		1.60	1.60	1.60	Call
Western Natl. Life Ins. Co.	Set Rate Annuity 7 High-Band [MVA]	7		1.60	1.60	1.60	2.00
Western Natl. Life Ins. Co.	WNL Flex 7 - MVA - 7 Year High-Band [MVA]	7		1.60	1.60	1.60	Call
Protective Life Corporation	ProSaver Platinum Plus 7 High-Band [MVA]	7		1.60	1.60	1.60	Call
Amer. General Life Ins. Co.	AG HorizonSecure 7	7		1.55	1.55	1.55	4.00 +notes
ING Annuity and Asset Sales	Guarantee Choice 7 Low-Band [MVA]	7		1.50	1.50	1.50	2.50 +notes
VALIC	VALIC Assured Choice Annuity 7 Low-Band [MVA]	7		1.50	1.50	1.50	Call
Protective Life Corporation	ProSaver Platinum Plus 7 Low-Band [MVA]	7		1.45	1.45	1.45	Call
Western Natl. Life Ins. Co.	WNL Flex 7 - MVA - 7 Year Low-Band [MVA]	7		1.40	1.40	1.40	Call
Western Natl. Life Ins. Co.	Set Rate Annuity 7 Low-Band [MVA]	7		1.40	1.40	1.40	2.00
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) High-Band	7		1.80	1.30	1.37	4.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) High-Band	7		1.80	1.30	1.37	Call
Western Natl. Life Ins. Co.	WNL Flex 7 - 7 Year High-Band	7		1.35	1.35	1.35	Call
Protective Life Corporation	FutureSaver II Annuity 7 High-Band [MVA]	7	1.00	1.20	1.20	1.34	3.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Mid-Band	7		1.75	1.25	1.32	Call
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Mid-Band	7		1.75	1.25	1.32	4.00
Minnesota Life	SecureOption Focus 7 High-Band	7		1.30	1.30	1.30	Call
Protective Life Corporation	FutureSaver II Annuity 7 (ROP) High-Band [MVA]	7	1.00	1.15	1.15	1.29	3.00
Minnesota Life	SecureOption Focus 7 Mid-Band	7		1.20	1.20	1.20	Call
Protective Life Corporation	FutureSaver II Annuity 7 Low-Band [MVA]	7		1.20	1.20	1.20	3.00
Western Natl. Life Ins. Co.	WNL Flex 7 - 7 Year Low-Band	7		1.15	1.15	1.15	Call
Protective Life Corporation	FutureSaver II Annuity 7 (ROP) Low-Band [MVA]	7		1.15	1.15	1.15	3.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Mid-Band	7		1.55	1.05	1.12	Call
Symetra Life Insurance Co.	Symetra Custom 7 Mid-Band	7		1.55	1.05	1.12	4.00
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Low-Band	7		1.50	1.00	1.07	4.00
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Mid-Band	7		1.50	1.00	1.07	4.00
Symetra Life Insurance Co.	Symetra Custom 7 Low-Band	7		1.50	1.00	1.07	4.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Low-Band	7		1.50	1.00	1.07	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Low-Band	7		1.50	1.00	1.07	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Mid-Band	7		1.50	1.00	1.07	Call
Minnesota Life	SecureOption Focus 7 Low-Band	7		1.00	1.00	1.00	Call
6 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 6 [MVA]	6		3.00	3.00	3.00	3.00 +notes
The Standard	Focused Growth Annuity 6 High-Band [MVA, LOAN]	6		2.50	2.50	2.50	2.00 +notes
The Standard	Focused Growth Annuity 6 Low-Band [MVA, LOAN]	6		2.40	2.40	2.40	2.00 +notes
North American Company	Guarantee Choice 6 High-Band [MVA]	6		2.25	2.25	2.25	2.50 +notes
North American Company	Guarantee Choice 6 Low-Band [MVA]	6		2.05	2.05	2.05	2.50 +notes
Royal Neighbors of America	Choice 6 High-Band	6		2.05	2.05	2.05	2.75
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 6 High-Band	6		2.00	2.00	2.00	2.50
Amer. General Life Ins. Co.	AG Horizon Achiever (CA) [MVA]	6		2.00	2.00	2.00	3.00 +notes
Lincoln Financial Group	Lincoln Select 6 High-Band [MVA]	6		2.00	2.00	2.00	Call
Royal Neighbors of America	Choice 6 Mid-Band	6		2.00	2.00	2.00	2.75
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	6		2.00	2.00	2.00	2.25
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	6		2.00	2.00	2.00	2.25
American National Ins. Co.	Palladium MYG Annuity 6 High-Band [MVA]	6		2.00	2.00	2.00	2.50
American National Ins. Co.	Palladium MYG Annuity 6 Low-Band [MVA]	6		1.90	1.90	1.90	2.50
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 6 Low-Band	6		1.90	1.90	1.90	2.50
The Standard	Secured Rate Annuity 6 High-Band	6		1.85	1.85	1.85	2.00 +notes
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	6		1.85	1.85	1.85	2.25
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	6		1.85	1.85	1.85	2.25
Lincoln Financial Group	Lincoln Select 6 Low-Band [MVA]	6		1.80	1.80	1.80	Call
Amer. General Life Ins. Co.	AG Horizon Achiever [MVA]	6		1.75	1.75	1.75	3.00 +notes
The Standard	Secured Rate Annuity 6 Low-Band	6		1.75	1.75	1.75	2.00 +notes
Royal Neighbors of America	Choice 6 Low-Band	6		1.25	1.25	1.25	2.75
Protective Life Corporation	FutureSaver II Annuity 6 High-Band [MVA]	6	1.00	1.00	1.00	1.17	2.75
Protective Life Corporation	ProSaver Platinum Plus 6 High-Band [MVA]	6		1.15	1.15	1.15	Call
Protective Life Corporation	FutureSaver II Annuity 6 (ROP) High-Band [MVA]	6	1.00	0.90	0.90	1.07	2.75
Protective Life Corporation	ProSaver Platinum Plus 6 Low-Band [MVA]	6		1.00	1.00	1.00	Call
Protective Life Corporation	FutureSaver II Annuity 6 Low-Band [MVA]	6		1.00	1.00	1.00	2.75
Protective Life Corporation	FutureSaver II Annuity 6 (ROP) Low-Band [MVA]	6		0.90	0.90	0.90	2.75
5 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 5 [MVA]	5		2.75	2.75	2.75	3.00 +notes
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA) MVA [MVA]	5		2.30	2.30	2.30	3.00
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA) MVA - OR [MVA]	5		2.30	2.30	2.30	3.00
The Standard	Focused Growth Annuity 5 High-Band [MVA, LOAN]	5		2.10	2.10	2.10	3.00
Fidelity & Guaranty Life	FG Guarantee-Plus 5 [MVA]	5		2.90	1.90	2.10	2.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 5 High-Band [MVA]	5		2.00	2.00	2.00	2.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 5 [MVA]	5		2.00	2.00	2.00	2.50
The Standard	Focused Growth Annuity 5 Low-Band [MVA, LOAN]	5		2.00	2.00	2.00	3.00
North American Company	Guarantee Choice 5 High-Band [MVA]	5		2.00	2.00	2.00	2.50 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 5 (CA) [MVA]	5		2.00	2.00	2.00	4.00 +notes
Security Benefit Life	Lighthouse Select 5 High-Band	5		1.85	1.85	1.85	Call
Fidelity & Guaranty Life	FG Guarantee-Platinum 5 (CT,NC,OK) [MVA]	5		1.85	1.85	1.85	2.50
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA)	5		1.80	1.80	1.80	2.50
Life of the Southwest	RetireMax Secure 5	5		1.80	1.80	1.80	Call
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA) WA	5		1.80	1.80	1.80	3.00
Great Amer. Life Ins. Co.	SecureGain 5 High-Band [MVA, STEP RATE]	5		0.25	Step Rate	1.80	2.45
Security Benefit Life	Lighthouse Select 5 Low-Band	5		1.75	1.75	1.75	Call
Great Amer. Life Ins. Co.	SecureGain 5 Low-Band [MVA, STEP RATE]	5		0.25	Step Rate	1.70	2.45
Minnesota Life	SecureOption Select 5-Year High-Band [MVA]	5		1.70	1.70	1.70	see notes
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	5		1.70	1.70	1.70	2.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	5		1.70	1.70	1.70	2.00
Royal Neighbors of America	Choice 5	5		1.70	1.70	1.70	1.75
North American Company	Guarantee Choice 5 Low-Band [MVA]	5		1.65	1.65	1.65	2.50 +notes
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	5		1.55	1.55	1.55	2.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	5		1.55	1.55	1.55	2.00
The Standard	Secured Rate Annuity 5 High-Band	5		1.55	1.55	1.55	2.00
Great Amer. Life Ins. Co.	SecureGain 5 No MVA High-Band [STEP RATE]	5		0.25	Step Rate	1.55	2.47
Lincoln Financial Group	Lincoln Select 5 High-Band [MVA]	5		1.50	1.50	1.50	Call
Western Natl. Life Ins. Co.	WNL Security Builder 5 (Step Up) High-Band Product has been withdrawn from sale effective 03/12/2012
Allianz Life Ins. Co. of North America	Dominator Plus 5 Low-Band [MVA, LOAN]	5		1.50	1.50	1.50	3.00
Allianz Life Ins. Co. of North America	Dominator Plus 5 High-Band [MVA, LOAN]	5		1.50	1.50	1.50	3.00
Minnesota Life	SecureOption Select 5-Year Low-Band [MVA]	5		1.50	1.50	1.50	see notes
The Standard	Secured Rate Annuity 5 Low-Band	5		1.45	1.45	1.45	2.00
Great Amer. Life Ins. Co.	SecureGain 5 No MVA Low-Band [STEP RATE]	5		0.25	Step Rate	1.45	2.47
Lincoln Financial Group	Lincoln Select 5 Low-Band [MVA]	5		1.35	1.35	1.35	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 High-Band	5		1.70	1.20	1.30	Call
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 5 High-Band	5		2.10	1.10	1.30	3.00
American National Ins. Co.	Palladium MYG Annuity 5 High-Band [MVA]	5		2.10	1.10	1.30	2.00
Symetra Life Insurance Co.	Symetra Custom 5 High-Band	5		1.70	1.20	1.30	2.50
Western Natl. Life Ins. Co.	WNL Security Builder 5 (Step Up) Low-Band Product has been withdrawn from sale effective 03/12/2012
Symetra Life Insurance Co.	Symetra Custom 5 Mid-Band	5		1.60	1.10	1.20	2.50
Protective Life Corporation	FutureSaver II Annuity 5 High-Band [MVA]	5	1.00	1.00	1.00	1.20	2.50
American National Ins. Co.	Palladium MYG Annuity 5 Low-Band [MVA]	5		2.00	1.00	1.20	2.00
Amer. General Life Ins. Co.	AG HorizonSelect 5 [MVA]	5		1.20	1.20	1.20	4.00 +notes
Amer. Natl. Life Ins. Co. of NY	Palladium MYG 5 Low-Band	5		2.00	1.00	1.20	3.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Mid-Band	5		1.60	1.10	1.20	Call
Western Natl. Life Ins. Co.	WNL Flex 5 - MVA - 5 Year High-Band [MVA]	5		1.20	1.20	1.20	Call
Protective Life Corporation	ProSaver Platinum Plus 5 High-Band [MVA]	5		1.15	1.15	1.15	Call
Symetra Life Insurance Co.	Symetra Custom 5 Low-Band	5		1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 Mid-Band	5		1.50	1.00	1.10	2.50
Protective Life Corporation	FutureSaver II Annuity 5 (ROP) High-Band [MVA]	5	1.00	0.90	0.90	1.10	2.50
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Low-Band	5		1.50	1.00	1.10	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Mid-Band	5		1.50	1.00	1.10	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Mid-Band	5		1.50	1.00	1.10	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) High-Band	5		1.50	1.00	1.10	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Low-Band	5		1.50	1.00	1.10	Call
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Mid-Band	5		1.50	1.00	1.10	Call
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Low-Band	5		1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Mid-Band	5		1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Mid-Band	5		1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) High-Band	5		1.50	1.00	1.10	2.50
Western Natl. Life Ins. Co.	WNL Flex 5 - MVA - 5 Year Low-Band [MVA]	5		1.00	1.00	1.00	Call
Western Natl. Life Ins. Co.	WNL Flex 5 - 5 Year Low-Band	5		1.00	1.00	1.00	Call
Western Natl. Life Ins. Co.	WNL Flex 5 - 5 Year High-Band	5		1.00	1.00	1.00	Call
Protective Life Corporation	ProSaver Platinum Plus 5 Low-Band [MVA]	5		1.00	1.00	1.00	Call
Protective Life Corporation	FutureSaver II Annuity 5 Low-Band [MVA]	5		1.00	1.00	1.00	2.50
Amer. General Life Ins. Co.	AG HorizonSecure 5	5		1.00	1.00	1.00	4.00 +notes
Western Natl. Life Ins. Co.	WNL Security Builder 5 MVA Low-Band [MVA]	5		1.00	1.00	1.00	Call
Western Natl. Life Ins. Co.	WNL Security Builder 5 MVA High-Band [MVA]	5		1.00	1.00	1.00	Call
Protective Life Corporation	FutureSaver II Annuity 5 (ROP) Low-Band [MVA]	5		0.90	0.90	0.90	2.50
4 Year Interest Rate Guarantees
North American Company	Guarantee Choice 4 High-Band [MVA]	4		1.45	1.45	1.45	2.50 +notes
North American Company	Guarantee Choice 4 Low-Band [MVA]	4		1.15	1.15	1.15	2.50 +notes
3 Year Interest Rate Guarantees
Fidelity & Guaranty Life	FG Guarantee-Plus 3 [MVA]	3		2.00	1.00	1.33	1.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 3 [MVA]	3		1.20	1.20	1.20	1.50
Royal Neighbors of America	Choice 3 High-Band	3		1.10	1.10	1.10	1.50
Royal Neighbors of America	Choice 3 Low-Band	3		1.00	1.00	1.00	1.50
2 Year Interest Rate Guarantees
Life of the Southwest	SureRate 2 High-Band	2		1.15	1.15	1.15	Call
Life of the Southwest	SureRate 2 Low-Band	2		1.00	1.00	1.00	Call

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

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

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

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