Equity Indexed Annuity Sheet

Equity Indexed Annuity Sheet Carriers Listed • Allianz • American Equity • American General • Americom • RBC • Fidelity & Guaranty • Amerus Life...
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Equity Indexed Annuity Sheet Carriers Listed • Allianz

• American Equity

• American General

• Americom

• RBC

• Fidelity & Guaranty

• Amerus Life

• Equitrust

• ING

• Investors Insurance

• Lincoln Benefit

• North American

• Physicians Life

• Sun Life Keyport

Toll Free- 800-252-0902 • Fax- 586-466-3692

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Equity Indexed Annuity Sheet Visit our website – www.vmgweb.com for Forms, Licensing, and Quotes Equity Index Annuities

PRODUCT NAME

Master Dex Annuity (FPDA*) *FPDA first 3 years

Master Dex 5 Annuity (FDPA*) *FDPA first 5 years 5%* Premium Bonus yrs 1-5! *3% Premium Bonum in AL, CT, KY

INTEREST RATE

100% Part. Gtd for Life S&P 500 point to point with a five-year highwater lookback option. 9% cap applied to the highwater option only. NO ASSET FEES EVER

100% Part. Gtd for Life S&P 500 point to point with a five-year highwater lookback option. 11% cap applied to the highwater option only. NO ASSET FEES EVER

FREE WITHDRAWAL

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

MINIMUM PREMIUM

$25,000

$25,000

NOT APPROVED

DEATH BENEFIT

IN, NJ, NY, OK, OR, PA, UT, WA

0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium less withdrawals or cash surrender value, whichever is greater

IN, NJ, NY, OK, OR, PA, UT, WA

0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium less withdrawals or cash surrender value, whichever is greater

SURRENDER CHARGES

ISSUE AGES

7 yr surrender 10, 9, 8, 8, 6, 5, 3.0833 plus or minus MVA

0-85 Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver

Master Dex 10 Annuity (FPDA*) *FPDA first 5 years 10% Premium Bonus yrs 1-5!

InCommandDex Annuity (FPDA*) *FPDA first 5 years

100% Part. Gtd for Life S&P 500 point to point with a five-year highwater lookback option. 11% cap applied to the highwater option only. NO ASSET FEES EVER

100% Part. Gtd for Life S&P 500 point to point with a five-year highwater lookback option. 11% cap applied to the highwater option only. NO ASSET FEES EVER

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

$5,000 NQ $2,000 Q

$25,000

N, NJ, NY, OK, OR, PA, UT, WA

0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium less withdrawals or cash surrender value, whichever is greater

DE, IN, IA, MN, MT, NJ, OR, PA, UT, WA

0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium less withdrawals or cash surrender value, whichever is greater

Ages 0-75 Option A: 7.00%* 1st year, 3.5%* on additional premiums. Option B: 5.25%* 1st year, 2.625%* on additional premiums, plus .50% trail commission accumulation value for policy life. Ages 76-85 OptionA: 5.00%* 1st year, 2.5%* on additional premiums

MINIMUM GTD VALUE

3% on 75% of 1st year premiums, 87.5%* of premiums paid after the 1st policy year. (1.5% on 100% of premium for fixed interest option premium) *87.5% of premiums at 1.5% in NV, CT, IA, MN. 87.5% at 23% in NM. 87.5% at 1% in NC, NH

*Varies in AL, CT, & KY. Call for details

10 yr surrender* 15, 15, 15, 15, 12.86, 10.71, 8.57, 6.43, 4.26, 2.14 plus or minus MVA

Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver st

*9.1% 1 yr surrender charge, declining afterward for AL, KY. st 10% 1 yr surrender charge, declining afterward for CT. Call for details.

0-85 Only Option A avail ages 76-85

N/A Two values with separate interest rates for lump sum surrender and a min, required payout period. Death Benefit Rider, Ideal Benefit Rider*, Nursing Home Waiver *not avail in all states

0-85 Only Option A avail ages 76-85

N/A

0-80 Call for details

Ages 0-75 Option A: 9.00%* 1st year, 4.5%* on additional premiums. Option B: 7.00%* 1st year, 3.5%* on additional premiums, plus .50% trail commission accumulation value for policy life. Ages 76-85 OptionAC: 7.00%* 1st year, 3.5%* on additional premiums

105%, or 3% on 80% of 1st year premium, whichever is greater. 3% on 87.5%* of premiums paid after the 1st policy year. (1.5% on 100% of premium for fixed interest option premium) *87.5% at 2% in CT, IA, MN, NM, NV. 87.5% in NC, NH. Call for dtails.

*Varies in AL, CT, & KY. Call for details

Allianz Life A.M. Best “A+” Moody’s “A2” S&P “AA-“

COMMISSION INFORMATION

Ages 0-75 Option A: 9.00%* 1st year, 4.5%* on additional premiums. Option B: 7.00%* 1st year, 3.5%* on additional premiums, +.50% trail comm. accumulation value for policy life. Ages 76-85 Option C: 4.5%* 1st year, 2.25%* on additional premiums plus 1% trail commission accumulation value for policy life. Ages 76-85 Option A: 7.00% 1st year, 3.5% on addl .prem

110%, or 3% pn 75% of 1st year premiums, whichever is greater. 3% on 87.5 of premiums paid after the 1st policy year. (1.5% on 100% of premium for fixed interest option premium)

Ages 0-75 6.00% 1st year, 3.00% on additional premiums. Ages 76-80 Option A: 4.00% 1st year, 2.00% on additional premiums plus 7% trail commission accumulation value for policy life.

3% on 75% of 1st year premiums, 87.5%* of premiums paid after the 1st policy year. (2% on 100% of premium for fixed interest option premium) *87.5% at 1% in CT, NM, NY. Call for detalis

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Equity Index Annuities

PRODUCT NAME

Allianz Life

10% Bonus PowerDex Elite Annuity

A.M. Best “A+” Moody’s “A2” S&P “AA-“

(FPDA)* *10% premium bonus on all lump sum payments during first five policy years

INTEREST RATE

A: Nasdaq-100, 100% Participation, point to point, 10% cap B: S&P 500, 100% Participation, point to point, 10% cap C: Fixed currently 3.00%

100% Part. Gtd for Life

PowerDex Elite (FPDA) first 5 years

5% Bonus PowerDex Elite (FPDA 1st 5 years) 5% premium bonus on all lump sum premiums during 1st 5 policy years

Freedom Gold FPDA Index-30

American Equity A.M. Best “B++” S&P “BBB+”

Rewards Gold (FPDA) (INDEX 27)

S&P 500 point to point with a five-year highwater lookback option. 11% cap applied to the highwater option only. NO ASSET FEES EVER

100% Part. Gtd for Life S&P 500 point to point with a five-year highwater lookback option. 9% cap applied to the highwater option only. NO ASSET FEES EVER

S&P Annual Monthly Average: Cap 10% Asset Fee 0% S&P Annual Pt to Pt: Cap 8% Asset Fee 0% Lehman Brothers US Treasury Index Annual Pt to Pt: Cap 5% Asset Fee 0% Current Fixed Value Rate: 3.25%

S&P Annual Monthly Average: Cap 10% Asset Fee 0% S&P Annual Pt to Pt: Cap 8% Asset Fee 0% Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 5% Asset Fee 0% Current Fixed Value Rate: 3.25%

FREE WITHDRAWAL

MINIMUM PREMIUM

NOT APPROVED

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

$5,000 NQ $2,000 Q

CT, IN, IL, IA, MA, MN, NJ, NY OK, OR, PA, UT, WA

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

$5,000 NQ $2,000 Q

CT, KY, NY, OR, UT, WA

$25,000

AL, CT, IA, IN, KYT, MA, MN, NJ, NY, OR, PA, UT, WA

5% penalty free after 1st year up to 25% cumulative lifetime. Systematic withdrawal of interest available after 6th year or Required Minimum Distribution.

10% of Contract Value Annually, Starting Yr. 2. Systematic W/D & LERO Immediately from Fixed Value.3

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

$5,000

$5,000

AL, CT, MN, NC, ND, NY, OK, OR, RI, UT, VT, WA

AL, CT, MN, NC, NY, OR, UT, WA

DEATH BENEFIT 0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium less withdrawals or cash surrender value, whichever is greater 0 x 5 distribution; accumulation value if taken for a minimum 5year period; if taken for less than 5 years, guaranteed return of premium withdrawals or cash surrender value, whichever is greater 0 x 5 distribution; accumulation value if taken for a min 5-year period; if taken for less than 5 yrs, guaranteed return of premium withdrawals or cash surrender value, whichever is greater

ISSUE AGES

COMMISSION INFORMATION

MINIMUM GTD VALUE

N/A Two values with separate interest rates for lump sum surrender and a min. required payout period

0-85

First Year 0-75: 9.00% 76-85: 7.00% Years 2-5 0-75: 4.50% 76-85: 3.50%

87.5% of premiums at 1.5% (1st 10 yrs) or 75% of first year premiums and 87.5% on premiums year 2+, all at 3% (whichever is greater). 2% on 100% for fixed account.

10 year surrender: 15, 15, 13, 13, 11.25, 9.38, 7.5, 5.63, 3.75, 1.88

0-85

0-75: 9.00% 76-85: 7.00%

3% on 75% of 1st year premium, 87.5% of premiums paid after 1st policy year

12 year surrender 15% yrs 1-5 then decreases monthly over the next 7 years

0-85

0-75: 9.00% 76-85: 7.00%

3% on 75% of 1st year premium, 87.5% of premiums paid after 1st policy year

0-80 Q 0-85 NQ

NQ 0-75: 6.00% 76-80: 4.50% 81-85: 3.00% Q 0-75: 6.00% 76-80: 3.00

Minimum Guaranteed Interest for Fixed Value: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 90% of all premiums, less withdrawal proceeds, at 3.5% during Contract Years 1-5 and 3% thereafter.

SURRENDER CHARGES

Full lump sum account value at first to die of owner or annuitant

9, 8, 7, 6, 5, 4, 3, 1.5, 0% Surrender Charge Period: 8 yrs.

Full accumulation value

Issue Ages 0-80: 13 yr Surrender Charge 15,14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 3 ,1 Issue Ages 81-85: 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 (NCR-2 & TIR-1) Applied only to Contracts issued to ages 0-74, where available

0-85 NQ 0-80 Q

NQ 0-75: 8.00% 76-80: 6.00% 81-85: 4.00% Q 0-75: 8.00% 76-80: 4.00%* *Varies in IN, KY, MA, MD, ND, OK, PA, SC, & VA. Call for details.

Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 82.5% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually.

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Equity Index Annuities

American Equity

PRODUCT NAME

Compass Select (INDEX 3-05)

A.M. Best “B++” S&P “BBB+”

INTEREST RATE S&P Annual Monthly Average: Cap 10% Asset Fee 0% S&P Annual Pt to Pt: Cap 8% Asset Fee 0% Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 5% Asset Fee 0% Current Fixed Value Rate: 3.25%

FREE WITHDRAWAL

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

MINIMUM PREMIUM

$5,000

NOT APPROVED

AL, CT, IL, IN, MN, NC, NY, OR, TX, UT, VT, WA

DEATH BENEFIT

Full accumulation value

S&P Annual Monthly Average: Cap 10% Asset Fee 0%

Bonus Gold (FPDA) (Index 1-05)

S&P Annual Pt to Pt: Cap 8% Asset Fee 0% Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 5% Asset Fee 0%

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

$5,000

AL, CT, MN, NC, NY, OK, OR, UT, WA

Full accumulation value

Current Fixed Value Rate: 3.25%

Premier Gold FPDA Index-26

7.5% Premium Bonus

Prestige Gold

S&P Annual Monthly Average: Cap N/A, PR# 75% S&P Annual Pt to Pt: Cap N/A, PR# 60% Lehman Brothers US Treasury Index Annual Pt to Pt: Cap 10%, PR# 65% Current Fixed Value Rate: 3.25%

3% Premium Bonus

Future Gold FPDA Index-28

$5,000

AL, CT, MN, NC, ND, NY, OK, OR, RI, UT, VT, WA

Full accumulation value

S&P Annual Monthly Average: Cap 10% Asset Fee 0% S&P

FPDA Index-27

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

Annual Pt to Pt: Cap 8% Asset Fee 0%

Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 5% Asset Fee 0% Current Fixed Value Rate: 3.25% S&P Annual Monthly Average: Cap 10% Asset Fee 0% S&P Annual Pt to Pt: Cap 8% Asset Fee 0% Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 5% Asset Fee 0% Current Fixed Value Rate: 3.25%

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

10% of Contract Value Annually, Starting Yr 2. Systematic W/D & LERO Immediately from Fixed Value.

SURRENDER CHARGES Issue Ages 0-80: 15 yr Surrender Charge 13.5, 13.5, 13.5, 13.5, 13.5, 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6, 4.5, 3, 1.5 Issue Ages 81-85: 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 (NCR-2 & TIR-1) Applied to Contracts ages 0-74, where available Issue Ages 0-80: 17yr Surrender Charge 20,19.5, 19, 18.5, 18, 17.5, 17, 16.5, 15.5, 14, 12.5, 11, 9, 7, 5, 3, 2 Issue Ages 81-35 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 Nursing Care Rider & Terminal Illness Rider (NCR-2 & TIR-1) Applied only to Contracts issued to ages 0-74, where available Issue Ages 0-80: 17.5, 17, 16.5, 16, 15.5, 15, 14, 13, 12, 11, 10, 9, 8, 6, 4, 2, 0% Surrender Charge Period: 16 yrs. Surrender Charge Period: 9 yrs.

ISSUE AGES

COMMISSION INFORMATION

MINIMUM GTD VALUE

0-85 NQ 0-80 Q

NQ 0-75: 8.00% 76-80: 6.00% 81-85: 4.00% Q 0-75: 8.00% 76-80: 4.00%

Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 82.5% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually.

0-85 NQ 0-80 Q

* Varies in IN, KY, MA, MD, ND, PA, SC, VA, & VT Call for details.

0-80 Q 0-85 NQ

NQ 0-75: 7.00% 76-80: 5.25% 81-85: 3.50% Q 0-75: 7.00% 76-80: 3.50%

0-80 Q 0-85 NQ

NQ 0-75: 6.50% 76-80: 4.87% 81-85: 3.25% Q 0-75: 6.50% 76-80: 3.25%

0-80 Q 0-85 NQ

NQ 0-75: 10% 76-80: 7.50% 81-85: 5.00% Q 0-75: 10% 76-80: 5.00%

15, 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 3, 1, 0%

$5,000

AL, CT, MN, NC, ND, NY, OK, OR, RI, UT, VT, WA

Full accumulation value

Surrender Charge Period: 13 yrs. Surrender Charge Period: 9 yrs.

$5,000

AL, CT, MN, NC, ND, NY, OK, OR, RI, TX, UT, VT, WA

15, 14, 13, 12, 11, 10, 9, 8, 7, 5, 3, 1, 0%

Full accumulation value

Surrender Charge Period: 12 yrs.

NQ 0-75: 8.00% 76-80: 6.00%* 81-85: 4.00% Q 0-75: 8.00% 76-80: 4.00%*

Surrender Charge Period: 9 yrs.

Dow Annual Monthly Average: Cap N/A, PR# 75%

Millennium Gold FPDA Index-29

Dow Annual Pt to Pt: Cap N/A, PR# 60% Lehman Brothers US Aggregate Index Annual Pt to Pt: Cap 10%, PR# 65% Current Fixed Value Rate: 3.25%

10% of Contract Value Annually, Starting Yr. 2. Systematic W/D & LERO Immediately from Fixed Value.3

$5,000

AL, CT, IL, IN, MN, NC, ND, NY, OK, OR, RI, UT, VT, WA

Full Accumulation value

12, 11.5, 11, 10, 9, 8, 6.5, 5, 3.5, 2, 0% Surrender Charge Period: 10 yrs.

0-80 Q 0-85 NQ

NQ 0-75: 6.00% 76-80: 4.50% 81-85: 3.00% Q 0-75: 6.00% 76-80: 3.00%

Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 82.5% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually.

Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 82.5% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually. Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 82.5% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually. Minimum Guaranteed Interest for Fixed Value: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 85% of 1st year premium plus 87.5% additional premium, less withdrawal proceeds, at 3.5% during Contract Years 15 and 3% thereafter. Minimum Guaranteed Interest: 2.25% years 1-10 3% years 11+ Minimum Guaranteed Surrender Value: 87% of 1st year premium plus premium bonus+ plus 87.5% additional premium, less withdrawal proceeds, at Minimum Guaranteed Interest, compounded annually.

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Equity Index Annuities

PRODUCT NAME

Horizon Index

American General

9 Year Option 3% Bonus 12 Year Option 4% Bonus

INTEREST RATE

FREE WITHDRAWAL

MINIMUM PREMIUM

NOT APPROVED

1 Year S&P Monthly Point-toPoint (2.75% Cap) 2 Year S&P Point-to-Point (14.00% Cap) Fixed Account 9 Year 2.75% 12 Year 2.85%

10% free withdrawal after first contract year

$5,000

n/a

DEATH BENEFIT

Full account value if 5 year annuitization is chosen, otherwise surrender value

Amerimark

Americom Life & Annuity Insurance Company

(FPDA) Offered excusively through Legacy Marketing Group Premium Bonus available. 2.5% on 7 year, and 4% on 12 year on all premiums

Spirit 7 FPDA 7% Account Value Escalator

Multi Choice Bonus Master 12 FPDA

Amerus Life A.M Best “A” S&P “A+” Moody’s “A3”

8% total escalating bonus and 10% annuization bonus

Multi Choice Bonus Master 15 FPDA 10% total escalating bonus and 10% annuization bonus

100% Participation Guaranteed of S&P, Annual point-to –point Annual Reset, 8% Cap Fixed Interest Option: 2.25%

10% of accumulation value each year after 1st year, interest anlu allowed after 30 days (From fixed interest option only)

NQ $5,000 Qualified $2,000

Full accumulation value

SURRENDER CHARGES

ISSUE AGES

7 year 9, 9, 8, 7, 6, 5, 4 (+ or – MVA) Waived for Death or Nursing Home Confinement of 90 Days (Nursing Home Not Available in TX)

0-85

Up to 10% of prior anniversary account value Or Required Minimum Distribution (current company practice)

$5,000 additional $2,000

CT, MA, MD, MN, NC, ND, NH, NJ, NY, OK, OR, RI, SD, TX, UT, VT, WA

$5,000 NQ $2,000 Q

n/a

12 Year

2% on 90% of Premium

Ages 0-75: 8.00% Ages 76-80: 7.00% Ages 81-85: 6.00%

0-85 Age Last Birthday

12 Year

100% Participation - 5 options A: S&P 500 monthly average annual reset (9.50% cap) B: S&P 500 point to point annual reset (8.50% cap) C: DJIA monthly average annual reset (9.50% cap) D: DJIA point to point annual reset (8.50% cap) E: Fixed Account 3.00%

MINIMUM GTD VALUE

9 Year Ages 0-75: 6.00% Ages 76-80: 5.00% Ages 81-85: 4.00%

9 Year Option 10, 10, 9, 8, 7, 6, 5, 4, 2 12 Year Option 12, 12, 12, 12, 12, 11, 10, 9, 8, 7, 5, 3

COMMISSION INFORMATION

7 Year Ages 0-75: 7.00% Ages: 76-80: 5.25% Ages 81-85: 3% Commission reduced 1 pt for bonus 12 Year Ages 0-75: 7% Ages 76-80: 5.25% Ages 81-85: 3.00% Commission reduced 1 pt for bonus

1% to 3% on 100% of Premium Year

Options A,B,C,D 0-79: 5.00% 80-85: 2.50%

15,13,11,9,7,5,3%

Full accumulation value

Waived at death, nursing home, terminal illness, unemployment

Full accumulation value

(12 Years) 15, 15, 15, 14, 14, 14, 13, 13, 13 ,12, 12, 12,

0-80 Q and NQ

(15 Years) 15, 15, 15, 14, 14, 14, 13, 13, 13 ,12, 12, 12, 11, 11 ,11

0-80 Q and NQ

0-85

Option E (Fixed) No Commission (age nearest) Paid on premiums received in 1st 3 yrs

3% on 80% of initial premium, 3% on 88% of premium received after 1st year

100% Participation – 5 options A: One-Year Point-to-Point Multiple Index Strategy B: S&P 500 1yr point to point (7.00% cap) C: S&P 500 2yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E. One Year Monthly Cap Index Strategy (2.7% Cap) F: Fixed Account (3.00%) 100% Participation – 5 options A: One-Year Point-to-Point Multiple Index Strategy B: S&P 500 1yr point to point (7.00% cap) C: S&P 500 2yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E. One Year Monthly Cap Index Strategy (2.7% Cap) F: Fixed Account (3.00%)

10% penalty free withdrawal after 1st year via checkbook or Required Minimum Distributions Up to ½% of premium after 30 days.

10% penalty free withdrawal after 1st year via checkbook or Required Minimum Distributions Up to ½% of premium after 30 days.

$5,000 NQ $2,000 Q

n/a

Full accumulation value

7%

3% on 75% of premiums credited to the contract in first year. 3% on 88% of additional premiums.

9%

3% on 75% of premiums credited to the contract in first year. 3% on 88% of additional premiums.

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Equity Index Annuities

PRODUCT NAME

MultiChoice 6

Amerus Life A.M Best “A” S&P “A+” Moody’s “A3”

FPDA

MultiChoice 10 FPDA

2% or 4% Premium Bonus Available

BonusPlus FPDA 6% Premium Bonus

Index Master Dow 5 year FPDA

BMA RBC A.M. Best “A” S&P “A” Fitch “A”

Index Master S&P 7 year FPDA

INTEREST RATE 100% Participation – 4 options A: Investment Grade Bond Index Strategy (2.75% certificate Charge) B: S&P 500 1yr point to point (7.00% cap) C: S&P 500 2yr point to point (15% cap) D: Fixed Account (3.00%)

100% Participation – 5 options A: Investment Grade Bond Index Strategy (2.5% certificate Charge) B: S&P 500 1yr point to point (7.00% cap) C: S&P 500 2yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E: Fixed Account (3.00%) 100% Participation – 5 options A: Investment Grade Bond Index Strategy (2.5% certificate Charge) B: S&P 500 1yr point to point (7.00% cap) C: S&P 500 2yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E: Fixed Account (3.00%) Indexed Account: 100% Part. of DJIA, monthly average annual reset subject to 10% cap 2% spread

FREE WITHDRAWAL

10% penalty free withdrawal after 1st year via checkbook or Required Minimum Distributions

MINIMUM PREMIUM

NOT APPROVED

$5,000 NQ $2,000 Q

MD, OR, NY, WA

ISSUE AGES

75 and above product can be annuitized for at least 5 years for full policy value.

$5,000 NQ $2,000 Q

OR, NY

$5,000 NQ $2,000 Q

Up to ½% of premium after 30 days.

CT, ME, MD, NY, OK, OR, PA, TX, UT, WA

75 and above product can be annuitized for at least 5 years for full policy value

COMMISSION INFORMATION

0-80: 4.00% 81-85: 75% up front, 10,9,8,7,6,4%

0-90 NQ 0-80 Q

Full accumulation value ages 74 and below.

Up to ½% of premium after 30 days.

10% penalty free withdrawal after 1st year via checkbook or Required Minimum Distributions

SURRENDER CHARGES

Full accumulation value ages 74 and below.

Up to ½% of premium after 30 days.

10% penalty free withdrawal after 1st year via checkbook or Required Minimum Distributions

DEATH BENEFIT

25% paid as an asset based trailer 86-90: 50% up front, 50% paid as an asset based trailer

MINIMUM GTD VALUE

2% on 100% of premiums for fixed account. 100% return of premium for all other accounts.

0-80: 7.5%* 81-85: 75% up front, 10,10,9,9,8,7,6,5,4,2%

0-90 NQ 0-80 Q

25% paid as an asset based trailer 86-90: 50% up front, 50% paid as an asset based trailer

2% on 100% of premiums for fixed account. 100% return of premium for all other accounts.

*Varies depending on premium bonus

Full accumulation value ages 70 and below. 70 and above product can be annuitized for at least 5 years for full policy value

18,18,18,15,14,13,12,11,1 0,97,5,3,1%

0-80

0-80 Q 0-85 NQ

0-75: 4.00% 76-80: 3.00% 81-85: 2.00%

3% on 92% of premium

0-80 Q 0-85 NQ

0-75: 6.00% 76-80: 4.75% 81-85: 3.50%

3% on 90% of premium

10% of accumulation value after first year or required minimum distribution.

$5,000

IL, NJ, ND, NY, OR, WA

Full accumulation value

10% of accumulation value after first year or required minimum distribution.

$5,000

IL, NJ, ND, NY, OR, WA

Full accumulation value

10% of accumulation value after first year or required minimum distribution.

$5,000

ND, NJ, NY, OR, SC, WA

Full accumulation value

12,12,12,11,10,9,8,6,4,2%

0-80 Q 0-85 NQ

0-75: 9.00% 76-80: 7.25% 81-85: 5.25%

$5,000 NQ $2,000 Q

CT, DE, MA, MN, NJ, NY, OK, OR, PA, UT, VT, WA

Accumulated value upon death of owners

12, 12, 12, 10, 8, 6, 4

0-80

6%

6, 6, 6, 4, 2%

2% on 100% of premiums for fixed account. 100% return of premium for all other accounts

8.00% Commission

Fixed Account: currently 3.00%

Indexed Account: 100% Part. of S&P 500, monthly average annual reset subject to 10% cap and 2% spread.

8,8,8,7,6,4,2%

Fixed account: currently 3.50%

Index Master Dow 10 year

Indexed Account: 100% Part. of DJIA, monthly average annual reset subject to 10% cap

FPDA

Fixed Account: currently 3.70%

3% on 88% of premium

100% Participation in:

Equitrust A.M. Best “A” S&P “A”

Market Seven Index

S&P 500 1yr daily average (7.5% cap) S&P 500 1yr point to point (6.50% cap)

10% penalty free of accumulated value after 1st year. Systematic withdrawals of interest within the 1st year (current company practice)

1-3% on 87.5% of Premium Varies by state

Fixed Account (3.00%)

Check out www.vmgweb.com for the most up to date information! FOR AGENT USE ONLY - NOT FOR USE WITH GENERAL PUBLIC

Equity Index Annuities

PRODUCT NAME

INTEREST RATE

FREE WITHDRAWAL

MINIMUM PREMIUM

NOT APPROVED

DEATH BENEFIT

SURRENDER CHARGES

ISSUE AGES

COMMISSION INFORMATION

MINIMUM GTD VALUE

$5,000 NQ $2,000 Q

CT, MA, MN, NJ, NY, PA, OR, VT, UT, WA

Accumulated value upon death of owners

12, 12, 12, 12, 11, 10, 8, 6, 4, 2

0-80

10%

1-3% on 87.5% of premium Varies by state

$5,000 NQ $2,000 Q

CT, IN, MA, MN, NJ, NY, ND, OK, OR, PA, UT, VT, WA

Accumulated value upon death of owners

20,20,19,19,18,17, 16,14,12,10,8,6,4, 2%

0-80

Yrs 1-5: 8.50% Yrs 6-10: 4.25%

100% of premiums at 1.5% less partial withdrawals and surrender charges

0-85

9.00% Commissions reduced by 50% for ages 80-85

100% Participation in:

Equitrust A.M. Best “A” S&P “A”

Market Value Index

S&P 500 1yr monthly average (8.50% cap) S&P 500 1yr point to point (7.00% cap)

10% penalty free of accumulated value after 1st year. Systematic withdrawals of interest within the 1st year (current company practice)

Fixed Account (3.10%)

MarketPower Bonus

100% Participation in: S&P 500 1yr daily average (7.50% cap)

10% penalty free of accumulated value after 1st year.

FPDA 10% Premium Bonus on all 1st year premium

Spectrum Rewards Choice 9 (FPDA) 3% Premium Bonus on all premiums in the 1st year, credited on day premium is applied 01-312

Spectrum Rewards Choice 7 (FPDA) 04-312

F&G Life A.M. Best “A” S&P “A-“ Moody’s “Aa3”

Spectrum Rewards Reserve (FPDA) 4% Premium Bonus on all premiums in the 1st year. Credited on day premium is applied

S&P 500 1yr point to point (6.50% cap)

Systematic withdrawals of interest within the 1st year (current company practice)

Fixed Account (3.00%)

100% Participation - 5 options A: S&P 500 monthly average annual reset (10.00% cap) B: S&P 500 point to point annual reset (8.50% cap) C: DJIA monthly average annual reset (10.00% cap) D: DJIA point to point annual reset (8.50% cap) E: Fixed Account 3.40%

100% Participation - 5 options A: S&P 500 monthly average annual reset (10.00% cap) B: S&P 500 point to point annual reset (8.50% cap) C: DJIA monthly average annual reset (10.00% cap) D: DJIA point to point annual reset (8.50% cap) E: Fixed Account 3.40%

Up to 10% of prior anniversary account value after 1st year

$25,000 ($2,000 Minimum per option)

CT, MA, MN, MT, NY, NC, ND, OK, OR, UT, VT, WA

12, 11, 10, 9, 8, 7,6 4, 2

Full accumulation value

Nursing home, terminal illness and unemployment waiver

See State Approvals

Up to 10% of prior anniversary account value after 1st year

100% Participation - 5 options A: S&P 500 monthly average annual reset (10.00% cap) B: S&P 500 point to point annual reset (8.50% cap) C: DJIA monthly average annual reset (10.00% cap) D: DJIA point to point annual reset (8.50% cap) E: Fixed Account 3.40%

Up to 10% of prior anniversary account value after 1st year

100% Participation - 5 options A: S&P 500 monthly average annual reset (10.00% cap) B: S&P 500 point to point annual reset (8.50% cap) C: DJIA monthly average annual reset (10.00% cap) D: DJIA point to point annual reset (8.50% cap) E: Fixed Account 3.40%

Up to 10% of prior anniversary account value after 1st year

$25,000 ($2,000 Minimum per option)

$5,000 ($2,000 Minimum per option)

CT, MA, MN, MT, NY, NC, ND, OK, OR, UT, VT, WA

Full accumulation value

7 Year 12, 11, 10, 8, 6, 4, 2 Nursing home, terminal illness and unemployment waiver

0-85

7% or 5.75% with PTO Commissions reduced by 50% for ages 80-85

SPDA

$5,000

1.5% or Floating State: minimum of 1% and a maximum of 3% (set at issue as determined by state law) See State Approvals

AR, CT, MA, MN, NY, ND, OK, OR, UT, VT, WA, WI

Full accumulation value

12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, .5 Nursing home, terminal illness and unemployment waiver

0-85

9.00% Comm. Reduced by 50% ages 80-85

100% premiums paid any withdrawals, surrender charges there on, and any allocations, all accumulates at either 1.5% or by a floating min rate of 1% and a max rate of 3% (set at issue and as det by state law) effective annual interest rate, - any other surrender charges

AR, CT, ID, MA, ME, MN, ND, NV, NY, OK, OR, TX, UT, WA, WI

Full accumulation value

9,8,7,6,5%

0-90

4.00% Commission Reduced by 50% ages 80-85

1.5% on 100% of premium

01-312

Index Rewards 5

1.5% or Floating State: minimum of 1% and a maximum of 3% (set at issue as determined by state law)

Check out www.vmgweb.com for the most up to date information! FOR AGENT USE ONLY - NOT FOR USE WITH GENERAL PUBLIC

Equity Index Annuities

F&G Life

PRODUCT NAME

INTEREST RATE

Spectrum Rewards Bonus

100% Participation – 4 options A: 1yr monthly point to point (3.50% cap) B: 2yr monthly point to point (4.50% cap) C: 3yr monthly point to point (5.00% cap) D: Fixed Account 2.40%

FPDA 6% bonus on all first year premium

A.M. Best “A” S&P “A-“ Moody’s “Aa3”

Index Rewards SPDA

Loyalty Rewards FPDA 12% Account Value Escalator

MarketSmart Index Annuity 10 (SPDA)

MarketSmart Index Annuity 5 (SPDA)

ING A.M. Best “A+”

Fitch “AA” S&P “AA” Moody’s “Aa3”

MarketSmart Index Annuity 6 (SPDA)

MarketSmart Index Annuity 7 (SPDA)

Heritage Index Annuity SPDA

FREE WITHDRAWAL

$5,000 25% of total premiums

100% Participation – 5 options A: S&P 500 monthly average annual reset (10% or 11% cap)* B: S&P 500 point to point annual reset (9% cap)* C: DJIA monthly average annual reset (10% or 11% cap)* D: DJIA point to point annual reset (9% cap)* E: Fixed Account 3%* *varies by state

Up to 10% of prior anniversary account value after 1st year

100% Participation – 5 options A: S&P 500 monthly average annual reset (10% cap) B: S&P 500 point to point annual reset (8.5% cap) C: DJIA monthly average annual reset (10% cap) D: DJIA point to point annual reset (8.5% cap) E: Fixed Account 3%

Up to 10% of prior anniversary account value after 1st year

100% Participation in the S&P 500, 10yr point to point (with monthly averaging in the last year) minus 2.15% annual spread NO CAP!!

10% of accumulation value after 1st year.

100% Participation in the S&P 500, 5yr point to point (with monthly averaging in the last year) minus 2.95% annual spread NO CAP!! 100% Participation in the S&P 500, 6yr point to point (with monthly averaging in the last year) minus 2.50% annual spread NO CAP!! 100% Participation in the S&P 500, 7yr point to point (with monthly averaging in the last year) minus 2.25% annual spread NO CAP!!

100% Participation in the S&P 500, 9yr point to point with monthly averaging in the last year minus 1.90% annual spread (2.15% spread w/ vested death benefit) NO CAP!!

MINIMUM PREMIUM

$2,000 min additional premiums

$5,000

$5,000

NOT APPROVED

DEATH BENEFIT

SURRENDER CHARGES

AL, AK, AR, CT, ME, MA, MN, NV, NM, NY, ND, OK, OR, RI, TX, UT, WA, WI

Full accumulation value

18,17,16,15,14,13,12,11,1 0,9,7,5,3,1%

CT, MA, MN, MT, NY, ND, OK, OR, UT, VT, WA

CT, MA, MN, NY, DN, OK, OR, UT, WA

Full accumulation value

10,10,10,10,10,8,6,4,2,1%

ISSUE AGES

COMMISSION INFORMATION

MINIMUM GTD VALUE

0-85

10.00% Commission Reduced by 50% ages 80-85

100% of premiums paid, less withdrawals accumulated at 1.5%

0-85

7.00% Commission Reduced by 50% ages 80-85

1.5% of 100% of initial premium in AR,AZ,CA,CO,DE,DC,FL,GA ,HI,ID,IL,IN,IA,KS,KY,LA,M D,MI,MS,MO,NC,NE,NH,NJ, OH,PA,SC,SD,TN,VA,WV,W Y 3% on 100% on initial premium in AK,AL,ME,NV,NM,RI,TX,W I

Full accumulation value

15,15,15,15,15,14,12,10,8, 6,4,2%

0-85

8.00% Commission Reduced by 50% ages 80-85

3% on 80% of initial premium. 3% of 88% of additional premiums.

9, 8, 7 ,6, 5, 4, 3, 2, 1

Al, DE, MA, MN, NJ, NY, ND, OK, OR, WA

Accumulated value upon death of owner

$5,000

AL, DE, MA, MN, NJ, NY, ND, OK, OR, WA

Accumulated value upon death of owner

$5,000

AL, DE, MA, MN, NJ, NY, ND, OK, OR, WA

Accumulated value upon death of owner

10% of accumulation value after 1st year.

$5,000

AL, DE, MA, MN, NJ, NY, ND, OK, OR, WA

Accumulated value upon death of owner

10% of accumulation value after 1st year.

$5,000

AL, MA, NH, NJ, NY, ND, OR, WA

Accumulated value upon death of owner

$5,000

8.00% Waived for Death or Nursing Home Confinement of 30 days or more

0-85

9, 8, 7, 6, 5 10% of accumulation value after 1st year.

Waived for Death or Nursing Home Confinement of 30 days or more

Waived for Death or Nursing Home Confinement of 30 days or more

3.00% Comm. Reduced by 25% ages 7685

3% on 90% of premium

0-85

3.50% Comm. Reduced by 25% ages 7685

3% on 90% of premium

0-85

4.50% Comm. Reduced by 25% ages 7685

3% on 90% of premium

0-85

8.00% reduced 25% ages 76-85

3% on 90% of premium

9, 8, 7, 6, 5 Waived for Death or Nursing Home Confinement of 30 days or more

3% on 90% of premium

0-85

9, 8, 7, 6, 5 10% of accumulation value after 1st year.

Commission Reduced by 25% ages 76-85

9,8,7,6,5,4,3,2,1% Surrender charges waived for death or confinement for 30 days or more in nursing home.

Check out www.vmgweb.com for the most up to date information! FOR AGENT USE ONLY - NOT FOR USE WITH GENERAL PUBLIC

Equity Index Annuities

ING A.M. Best

PRODUCT NAME

ING Secure Index

“A+”

Fitch “AA” S&P “AA” Moody’s “Aa3”

FPDA

ING Secure Extra Index FPDA 1% Bonus on Accumulation value at end of 1st 5 yrs

Income Outcome FPDA

MarkOne FPDA 4% or 8% Premium Bonus available caps and part. Rates vary

SummitMark

Investors Insurance Corp. A.M. Best “B+” S&P “BBB+”

FPDA 4% or 8% Premium Bonus available caps and part. Rates vary

VistaMark FPDA 4% or 8% Premium Bonus available caps/interest rates vary

INTEREST RATE 100% Participation Traditional Index Strategy: S&P 500 annual point to point (7.50% cap for $5,000 band, 8.00% cap for $100,000 band) Guaranteed Index Strategy: S&P 500 annual point to point (5.50% cap for $5,000 band, 6.00% cap for $100,000 band) guaranteed to earn at least 2% per year. Fixed Account: 3.50% 100% Participation Traditional Index Strategy: S&P 500 annual point to point (7.00% cap for $5,000 band, 7.50% cap for $100,000 band) Guaranteed Index Strategy: S&P 500 annual point to point (5.00% cap for $5,000 band, 5.50% cap for $100,000 band) guaranteed to earn at least 2% per year. Fixed Account: 3.25% 100% Participation Traditional Index Strategy: S&P 500 annual point to point (cap TBD) Retirement Index Strategy: S&P 500 annual point to point (cap TBD) Fixed Account: 1.50%

5 Indexing Options A: S&P 500 monthly average, annual reset (9% cap) B: S&P point to point, annual reset (7.50% cap) C: S&P 500 5yr point to point (70% participation rate) D: S&P 500 10yr point to point (75% participation rate) E: Fixed Account (3%)

5 Indexing Options A: S&P 500 monthly average, annual reset (10% cap) B: S&P point to point, annual reset (8.50% cap) C: S&P 500 5yr point to point (75% participation rate) D: S&P 500 10yr point to point (80% participation rate) E: Fixed Account (3.25%)

4 Indexing Options A: S&P gain triggered account (6.25%) B: S&P point to point, annual reset (9.00% cap) C: S&P 500 2yr point to point (18.50% participation rate) D: Fixed Account (3.50%)

FREE WITHDRAWAL

MINIMUM PREMIUM

Systematic withdrawals of interest from fixed account within the first year.

$5,000 or $200/mo NQ $1,500 or $50/mo Q

10% withdrawals of accumulation value after 1st year.

Systematic withdrawals of interest from fixed account within the first year. 10% withdrawals of accumulation value after 1st year.

Systematic withdrawals of interest from fixed account within the first year. 10% withdrawals of accumulation value after 1st year.

10% per year including the 1st year up to 50% cumulative for 8% bonus

10% per year including the 1st year up to 35% cumulative for 8% bonus

5% per year including the 1st year st

5% per year including the 1 year up to 45% cumulative for 4% bonus

10% per year including the 1st year up to 35% cumulative for 8% bonus

NJ, ND, NY OR

Full accumulation value

$5,000 or $200/mo NQ $1,500 or $50/mo Q

MA, MN, NY, ND, NY, OK, OR, PA, UT, VA, WA

Full accumulation value

No minimum on additional

AL, AK, CT, DC, GA, HI, KS, KY, LA, MA, MD, ME, MN, NH, NJ, OR, RI, SC, SD, UT, VT, VA, WA, WI, WV States Approved:

$5,000 NQ $2,000 Q No minimum on additional

$5,000 NQ $2,000 Q No minimum on additional

ISSUE AGES

Surrender charges waived for death or confinement for 30 days or more in nursing home.

0-85

AZ, AR, CO, DE, FL, IA, ID, IL, MI, MO, MS, MT, NC, NE, NM, NV, OH, TN, TX, WY

States Approved: AZ, AR, CO, DE, ID, MI, MS, MT, NE, NM, OH, TN, WY

Full accumulation value if issue age 74 and below Surrender value if issue age above 75 or annuitization for 5 years for full value Full accumulation value if issue age 74 and below Surrender value if issue age above 75 or annuitization for 5 years for full value Full accumulation value if issue age 74 and below Surrender value if issue age above 75 or annuitization for 5 years for full value

Surrender charges waived for death or confinement for 30 days or more in nursing home.

COMMISSION INFORMATION

5.00% reduced 25% ages 76-85

MINIMUM GTD VALUE

3% on 100% of premium

2.75% yrs 2-5

12,12,12,10,8,7,6,5,4,2,0 %

Full accumulation value

$5,000 NQ $2,000 Q

SURRENDER CHARGES

12,12,12,10,8,6,4%

MA, MN, ND, NJ, NY, OR, TX. UT, WA

5% per year including the 1st year 5% per year including the 1st year up to 45% cumulative for 4% bonus

DEATH BENEFIT

$5,000 or $200/mo NQ $1,500 or $50/mo Q

10% per year including the 1st year 10% per year including the 1st year up to 75% cumulative for 4% bonus

NOT APPROVED

5.00% reduced 25% ages 76-85 0-85

3% on 87% or premium

2.75% yrs 2-5

12,12,12,10,8,7,6,5,4,2,0 % Surrender charges waived for death or confinement for 30 days or more in nursing home

0-75

0-75: 7.00% 3.00% yrs 4-6

0-90

MarkOne 0-80: 7.00% 81-90: 4.20% MarkOne Extra 4 0-80: 5.00% 81-90: 3.00% MarkOne Exta 8 0-80: 3.00% 81-90: 1.80%

Greater of the base guarantee: 3% on 75% of 1st yr premium, 87.5% of additional premium Or Contract guarantee: premiums less surrender charges

0-90

SummitMark 0-80: 9.00% 81-90: 5.40% Extra 4 0-80: 7.00% 81-90: 4.20% Extra 8 0-80: 5.00% 81-90: 3.00%

Greater of the base guarantee: 3% on 75% of st 1 yr premium, 87.5% of additional premium Or Contract guarantee: premiums less surrender charges

0-90

VistaMark 0-76: 7.00% 81-85: 5.60% 86-90: 4.00% Extra 4 0-75: 5.60% 81-85: 4.30% 86-90: 3.30% Extra 8 0-75: 4.00% 81-85: 3.30% 86-90: 2.40%

Greater of the base guarantee: 3% on 75% of st 1 yr premium, 87.5% of additional premium Or Contract guarantee: premiums less surrender charges

MarkOne 15,14,13,12,11,10,9,8,7,6, 5,5% MarkOne Extra 4 15,15,14,14,13,11,9,8,7,6, 5,5% MarkOne Extra 8 15,15,15,14,14,13, 11,9,7,6,5,5% SummitMark 15,14,13,12,11,10,9,8,7,6, 5,5% Extra 4 15,15,14,14,13,11,9,8,7,6, 5,5% Extra 8 15,15,15,14,14,13, 11,9,7,6,5,5%

VistaMark 15,14,13,12,11,10,9,8,7,6, 5,5% Extra 4 15,15,14,14,13,11,9,8,7,6, 5,5% Extra 8 15,15,15,14,14,13, 11,9,7,6,5,5%

3% on 87% of premium

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Equity Index Annuities

Lincoln Benefit Life

PRODUCT NAME

INTEREST RATE

Saver’s Index Annuity III (FPDA)

A.M. Best “A+” S&P Rating “AA+”

Heritage Max FPDA st

10% Bonus on 1 year premium

14.07% first year yield (reflects 3.70% fixed rate plus 10% premium bonus)

Heritage Bonus FPDA st

North American A.M. Best “A” S&P “AA”

5% Bonus on 1 year premium

9.25% first year yield (reflects 4.05% fixed rate plus 5% premium bonus)

Market Choice III Plus FPDA

High Cap – High Participation!!

Option A: S&P Monthly Average Annual Reset (100% Participation 7% Cap) Option B: S&P Monthly Average Annual Reset (60% Participation 8% Cap)

6 crediting options – NO FEES, 12% cap on point to point options A: S&P 500 annual daily average (90% part) or annual point to point (75% part) B: DJIA annual daily average (90% part) or annual point to point (80% part) C: Nasdaq-100 annual point to point (70% part) D: S&P 400 annual daily average (85% part) or annual point to point (75% part) E: Russell 2000 annual daily average (65% part) or annual point to point (75% part) F: Fixed Account - 3.70%

6 crediting options – NO FEES, 12% cap on point to point options A: S&P 500 annual daily average (95% part) or annual point to point (85% part) B: DJIA annual daily average (95% part) or annual point to point (85% part) C: Nasdaq-100 annual point to point (75% part) D: S&P 400 annual daily average (95% part) or annual point to point (85% part) E: Russell 2000 annual daily average (70% part) or annual point to point (80% part) F: Fixed Account – 4.05% 6 crediting options – NO FEES, 12% cap on point to point options A: S&P 500 annual daily average (100% part) or annual point to point (100% part) B: DJIA annual daily average (100% part) or annual point to point (100% part) C: Nasdaq-100 annual point to point (95% part) D: S&P 400 annual daily average (100% part) or annual point to point (100% part) E: Russell 2000 annual daily average (90% part) or annual point to point (100% part)

FREE WITHDRAWAL

MINIMUM PREMIUM

NOT APPROVED

DEATH BENEFIT

SURRENDER CHARGES

ISSUE AGES

10 Years 10, 10, 9, 9, 8, 7, 6, 4, 2

0-85 (annuita nt) 0-99 (owner)

COMMISSION INFORMATION

MINIMUM GTD VALUE

Owner 0-75: 8% 100% of account value after year 1

10% of accumulation value each contract year after the first year

10% of accumulation value each contract year after the first year

$10,000

$10,000NQ $2,000 Q or $50/mo TSA

$10,000NQ $2,000 Q or $50/mo TSA

10% of accumulation value each contract year after the first year

$10,000NQ $2,000 Q or $50/mo TSA

MA, ND, NY, OR, VT, MA

Full Accumulation value.

CT, FL, HI, IN, MD, MA, MN, NY, OK, OR, SC, UT, VA, WA

All surrender charges are waived on Accumulation Value at death of owner or annuitant and accumulation value paid to the beneficiary

CT, FL, IN, MD, MA, MN, NY, OK, OR, SC, UT, VA, WA

All surrender charges are waived on Accumulation Value at death of owner or annuitant and accumulation value paid to the beneficiary

CT, IN, KY, MA, MN, ND, NY, OK, OR, SC, TX, UT, WA

All surrender charges are waived on Accumulation Value at death of owner or annuitant and accumulation value paid to the beneficiary

Owner 76+: 5.5% 0.30% Accum. Value after year 10

8.00% 22,22,22,22,20,18,16,14,1 2,10,8,6,4, 2%

0-75

2.00% yrs 2-5 1.00% yrs 6-10

8.00% 20,19,18,17,16,14, 12,10,8,6,5,4,3,2, 1%

0-75

3.00% yrs 2-5 2.00% yrs 6-10 1.00% yrs 11-15

5.00% 22,22,,22,22,22,20,18,16,1 4,12,10,8,6,4,2%

0-75

3.00% yrs 2-5 2.00% yrs 6-10 1.00% yrs 11-15

3% on 90% of initial premium

100% of premiums (excluding premium bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender charges

100% of premiums (excluding premium bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender charges

100% of premiums (excluding premium bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender charges

F: Fixed Account – 5.10%

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Equity Index Annuities

North American

PRODUCT NAME

INTEREST RATE

Simple Seven

S&P 500 annual daily average subject to 18% cap and 90% participation

FPDA

S&P 500 annual point to point subject to 10% cap and 90% participation

FREE WITHDRAWAL

10% of accumulation value each contract year after the first year

MINIMUM PREMIUM

$10,000NQ $2,000 Q or

NOT APPROVED

DEATH BENEFIT

NY, OR, PA, SC, TX, UT, WA

All surrender charges are waived on Accumulation Value at death of owner or annuitant and accumulation value paid to the beneficiary

MA, NY, NY, OR, PA, TX, WA

Equal to the guaranteed minimum account value upon death of owner Or The greater of the guaranteed minimum account value and the index account value if annuitized for 5 years or more.

Guaranteed minimum account value

Beneficiary can continue contract or take lump sum equal to indexed value as of prior anniversary

10% of single premium

$50/mo TSA

A.M. Best “A” S&P “AA”

Vista Index Solution

Physicians Life A.M. Best “A” S&P “AA”

FPDA 5% Premium Bonus on 10 year version 10% Premium Bonus on 15 year version

Sun Life Keyport

Index Multipoint

A.M. Best “A+”

SPDA

7 Year – 125% Participation A: S&P 500 monthly average annual reset (8.00% cap) B: S&P 500 annual reset point to point (6.50%) C: Fixed Account – 3.45% 10 Year – 100% Participation A: S&P 500 monthly average annual reset (9.00% cap) B: S&P 500 annual reset point to point (8.00%) C: Fixed Account – 3.55%

$2,500 5% penalty free withdrawal after the 1st year

$100 additional premium

15 Year – 100% Participation A: S&P 500 monthly average annual reset (9.00% cap) B: S&P 500 annual reset point to point (8.00%) C: Fixed Account – 3.70%

Rolling Monthly average, annual highwater mark lockin 5yr – 85% participation, no cap 7yr – 100% participation, no cap 10yr – 100% participation, no cap

Must keep minimum account balance of $4,000

$5,000

AL, CT, IA, MN, MO, ND, NY, OK, OR, RI, TX, UT, VT, WA, WI

SURRENDER CHARGES

12,12,12,10,8,6,4% Most States

ISSUE AGES

0-75

COMMISSION INFORMATION

5.00% 1.00% yrs 2-5

MINIMUM GTD VALUE

100% of premiums (excluding premium bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender charges

Index 7 Initial Prem: 4.00% 1st year: 2.50% 2nd year: .50% Index 7 0-80 Index 10 0-75 Index 15 0-70

0-85 NQ 0-75 Q

Index 10 1st – 2nd year Prem: 7.00% 3rd year: 4.50% th 4 year: 1.25%

3% on 90% of premium or 1.5% on 90% of premium depending on state

Index 15 1st – 4th yr Prem: 9.00% 5th year: 8.00% th 6 year: 4.75% 7th year: 2.25%

10 yr: 10% 7 yr: 5.50% 5yr: 5.00%

1.75% on 90% of premium

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