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10.00% Premium Bonus Premiumannuityinterestrates.com/images/asapril.pdf · 2014. 5. 13. · 2011,...
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888.661.1999April Spreadsheet http://annuity1.com
1-yr Monthly Avg Participation 55.00% 10%
EquiTrust Life Insurance Company
Des Moines IA 1-yr Point-to-Point Cap 4.00% 1.00% (2% for 2013 contracts) AK/IL/
OH7.00%
1-yr Daily Average Cap 4.50% 1.00% 10 Year (AK, IL)
1-yr Monthly Cap 1.80% 0.50%
2 - Year Monthly Avg. Cap 10.00% 3.00%
1-Year Interest Account 1.75% 1.00% 10 Year (OH)17, 15, 14, 12, 10, 9, 7, 4, 3, 1,
0%MVA + or -
10 Year
10 Year (OH)1-yr Point-to-Point Cap 3.50% 1.00%
1-yr Daily Average Cap 4.00% 1.00% (1% for 2013 contracts)
1-yr Monthly Cap 1.60% 0.50%
2 -Year Monthly Avg. Cap 8.00% 3.00%
1-Year Interest Account 1.50% 1.00%MVA + or -
14 Year
1-yr Monthly Avg Participation 40.00% 10%
1-yr Point-to-Point Cap 3.50% 1.00%
1-yr Daily Average Cap 4.00% 1.00% MVA + or -
1-yr Monthly Cap 1.60% 0.50% (2% for 2013 contracts)
2 - Year Monthly Avg. Cap 8.00% 3%
1-Year Interest Account 1.50% 1.00%
Features Rev. 11-1-12
Iss. Age
Comm. Rev.
10-1-12
0 -75 8.50%Full Value at
Death
Max issue age in FL is 64 unless
client is an accredited investor
Income For life (Annual cost 50
bps) can be turned on after
2nd contract
year. 6.50%
Rollup for 15 years Rider Cost is
increasing to
75bps effective 4-
15-14
FIXE
D IN
DEX
AN
NU
ITY
10, 10, 10,10,10, 9, 8, 7, 6, 4%
3.00%Additional Deposits
yrs 2-5Minimum GuaranteedInterest Rate on 1-Year Fixed Interest (MGIR)
1.00%
Return of Premium
Guarantee at No Cost!
Max issue age in FL is 64 unless
client is an accredited investor
6.00%
FIX
ED
IND
EX
A
NN
UIT
YMarketPowerBonus Index®
Fixed IndexAnnuity
10.00% Premium
Bonus On all first year premiums
Account Options Min.0 - 75
0 - 80Current Rates Min.
87.5% of premium minus withdrawals, accumulated
at the Minimum Guaranteed Contract
Rate
100% of premium paid minus partial withdrawals, plus interest earned at the
Minimum Guaranteed Contract Rate , less surrender charges.10, 10, 10, 10, 8, 7,
6, 4, 1%Min.
$30,000NQ/Q
MarketTen BonusIndex®
FLEXIBLE PREMIUM
6.00%Premium
Bonus! Premiums Received 1-
5 years
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
On December 30, 2011, EquiTrust Life
was acquired by affiliates of
Guggenheim Partners, LLC.
Guggenheim Partners is a privately held global financial
services firm with more than $200 billion in assets
under management. They are the Ultimate Parent of Guggenheim
Life and Annuity Company, EquiTrust
Life Insurance Company, and
Security Benefit Life Insurance Company.
BBB+ ("Good") S&P
$12.6 Billion in assets as of
12/31/13
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Nursing Home Waiver
Min.$30,000NQ/Q
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
MarketTwelve Bonus Index®
12.00% Premium Bonus!
Bonus 12% bonus credited over three years. 6% Premium Bonus paid
on all premiums; 2% Accumulation Value
Bonus added on the first three contract anniversaries.
Minimum GuaranteedInterest Rate on 1-Year Fixed Interest (MGIR)
1.00%
Click here to learn more about Guggenheim Partners Parent of EquiTrust Life Insurance Company
8.50%20,20,19,19,18,17,16,14,12,10,8,6,4,2% and
then 0%
Current Rates
Minimum Premium(Rates Subject to Change)
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
Guar Min.
20,20,19,19,18,17,16,14,12,10,8,6,4,2,0%
Min.$20,000NQ/Q
AdditionalPremiumsAccepted1st year
Only
ProductsRates Effective 10/22/13
Except In Wyoming, the MGCR is applied
to 90% of premium to determine the
minimum cash value floor.
B++ (Good) from A.M. Best
Min.FI
XE
D IN
DE
X A
NN
UIT
Y
1-yr Monthly Avg Participation 40.00%
Minimum Guarantee
87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract
Rate
Minimum GuaranteedInterest Rate on 1-Year Fixed
Interest (MGIR) 1.00%
14 Year
10%
17, 16, 15, 14, 13, 12, 11, 10, 9.5, 0%
Surrender Charge
Withdrawal Provision
Account Options Current Rates
Account Options
0-
0-80
Page 1Equitrust 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
10 year $10,000
Florida Version Non-qualifed
Issue Age 0-58 $5,000
Qualifed
Issue Age 59+9% 9% 8% 7% 6% 5% 4% 3% 2%
1% then 0%IL & NC Version
Issue Age 0-57
Issue Age 58+ $1,000,000 9.5% 9% 8% 7% 6% 5% 4%
3% 2% 1% then 0%
California Version
Premium Bonus subject to 10 year Vesting
MVA + or -
10 yearTexas & Utah Version
Pennsylvania Version
Issue Age 0-56
Issue Age 57+9.5% 8.5% 7.5% 6.5% 5.5% 4.5% 3.5% 2.5% 1.5% 0.5%
then 0%Premium Bonus subject to 10 year
Vesting 105 bps Annual Rider Charge
MVA + or -
Products
FIX
ED
IND
EX
AN
NU
ITY
Sentinel Plan®
Summit Bonus IndexSM
Fixed Indexed Annuity
Minimum Guarantee
A.M. Best
Founded in 1957!
Minimum Premium
1.00% on 87.5%
1.20%
7% Premium
Bonus vested over
10yrs
Annual Pt to Pt Cap
Monthly Sum
FeaturesCurrent Interest Rates Effective 1-11-14
Withdrawal Provision Surrender Charge
RMD or 5% of your
accumulated annuity value
after the first yr
Monthly Average Cap
Daily Average Cap
2.50%
2.60%
Fixed Rate 1.30%
2.60%
FIX
ED
IND
EX
AN
NU
ITY
Sentinel Security Life
Insurance Company
Salt Lake City, UT
Iss. Age Comm.
Optional Income Rider0-75 7.25%
Monthly Sum 1.20%
2.70%
4.5% Premium
Bonus vested over
10yrs
6.00% Compounded Rollup for 20
years
76-80 5.00%
10% 10% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
No Agent Commission
Chargeback at Death Ages 0-79!
2.70% Minimum Premium
Maximum Premium
without Home Office Approval
Interest earned on the Fixed Account
is available Penalty Free
during the first Policy Year
12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
1.30%
12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Interest earned on the Fixed Account
is available Penalty Free
during the first Policy Year
PRODUCT INFO LINKS
FL Quick Sheet Full Vested Accumulation Value
at DeathIL & NC Quick Sheet
CA Quick Sheet
TX & UT Quick SheetPA Quick Sheet
Additional 1% Premium
BonusIF the client elects the
Optional Income Rider an additional one-time bonus equal to 1% of the single premium payment will be
credited to the Accumulation Value and
the Income Account Value on the Policy Date
Sentinel Plan®
Summit Bonus IndexSM
Fixed Indexed Annuity
Annual Pt to Pt Cap 2.50% RMD or 5% of your
accumulated annuity value
after the first yr
12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
9% 9% 8% 7% 6% 5% 4% 3% 2% 1% then 0%
Monthly Average Cap
Fixed Rate
Daily Average Cap
B++
Page 2 Sentinel Security Life Insurance Company 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
10.0% Bonus
1 30% PR# 1 2 3Des Moines, IA 2 3.25% Cap 0-75 6.00% 1.00% 1.00%
3 3.25% Cap 76-80 4.50% 0.75% 0.75%4 3.25% Cap
Excellent 5 20% PR# 1 2 3A.M. Best 6 3.25% Cap 0-64 6.00% 1.00% 1.00%
7 1.80% CapPremium 8 2.75%
Bonus 9 2.50%
10 5.15% Cap & 2% Asset Fee
11 1.50%
1 25% PR# 1.50% Most States
BBB+ 2 3.00% Cap 1 2 3
Good 3 15% PR# 0-78 6.00% 1.00% 1.00%S&P 4 3.00% Cap
5 1.60% Cap6 2.25%
7 4.65% Cap & 2% Asset Fee
IN Only Year(s)8 1.35% 1 2 3
0-73 6.00% 1.00% 1.00%
74-78 4.50% 0.75% 0.75%
FL Only Year(s)
0-64 6.00% 1.00% 1.00%
65-75 5.25% 0.87% 0.87%
76-78 4.50% 0.75% 0.75%
Current Fixed Value Rate
New Bond Yield with a Cap
Current Fixed Value Rate
New Bond Yield with a Cap
Products
BONUS GOLD
RETIREMENT
GOLD
FIX
ED
IND
EX
INDEX - 1-07
10.00%Immediately
Vested
S&P 500 Annual Monthly AverageDow Annual Monthly Average Dow Annual Point to Point
S&P 500 Annual Monthly Average
Features Rev. 7/1/13
S&P 500 Monthly Point to Point
FullContract
Value at Death
6 Lifetime Income/ Benefit
Options to Choose From:
Option 1: 4% IAV Rate - No
FeeOption 2: 6.5%
IAV Rate - 0.75% Fee
Option 3: 7.00% IAV Rate - 0.90% Fee Option 4:
Lifetime Income Benefit &
Enhanced Death Benefit Rider 4% IAV Rate -
0.70% FeeOption 5:
Lifetime Income Benefit &
Wellbeing Rider 6.5% IAV Rate -
0.85% Fee Option 6:
Lifetime Income Benefit &
Wellbeing Rider 7.00% IAV Rate -
1.00% Fee
S&P 500 Annual Point to Point
New S&P 500 Performance Trigger
Minimum Premium
Withdrawal Provision
S&P 500 Annual Monthly Average
S&P 500 Annual Point to Point
11.65% Guaranteed First Year Yield!1.50%
S&P 500 Annual Point to Point
MinimumGuaranteed
Surrender Value:
State specific versions available in FL, IN, & DE
$5,000NQ or Q
S&P 500 Annual Point to Point
MinimumGuaranteedSurrender
Value:
10-Year U.S Treasury Bond
10 Year Surrender Charge:
12.5,12,12,11,10,9,
8,7,6,4,0%
16 Year
20,19.5,19,18.5,18,17.5,17,
16,15,14,12,10,8,6,4,2
,0%
NO MVA
10.00% ofContract
Value Annually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
FL Only
Year(s)
$5,000NQ or Q
87.5% of premiums paid less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
Most states0, 0, 0, 8.33, 16.67, 25, 33.33, 41.67, 50, 58.33, 66.67, 75, 83.33, 91.67, 100% (14 yrs.) NO MVA" FL Only0, 0, 10, 20, 30, 40, 50, 62.5, 75, 87.5 100% (10 yrs.) NO MVA"
CommissionIss. AgeCurrent Interest Rates Effective 2/3/2014
Most States
1.50% Current Fixed Value Rate Plus
Surrender Charge
Minimum Guarantee
A-
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to
performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY. #PR=Participation Rate
CLICK HERE FOR THE DETAILS
ON THE NEW INCOME &
BENEFIT RIDERS!
97% Investment Grade Bond
Portfolio
$31 Billion in Assets under
manangement as of
9/30/13
80% of 1st year premium
plus premium bonus plus
87.5% additional premium,
less withdrawal proceeds,
at Minimum Guaranteed
Interest, compounded
annually.
S&P 500 Annual Monthly Average
New S&P 500 Performance Trigger
FIX
ED
IND
EX
AN
NU
ITY
S&P 500 Monthly Point to Point
(INDEX-2-09)8.00%
Premium Bonus Vestedover a 14 Year
period beginning in year 4
(INDEX-4-10-FL.2)
8.00% Premium
Bonus Vestedover a 10 Year
period beginning in year 3
Bonus Vesting:
State specific
surrender
charges in FL,
IN, & DE
Years
For DE: 6% Premium Bonus on 1st year Premiums for Issue Ages 0-78.
For IN: 8% Premium Bonus on 1st year Premiums for Issue Ages 0-73. 5% Premium Bonus Issue Ages 74-78.
For FL: 8% Premium Bonus on 1st Year premiums
Page 3 American Equity 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
1 25% PR# 1 2 3
Des Moines, IA 2 3.00% Cap 0-75 6.00% 1.00% 1.00%
3 15% PR# 76-80 4.50% 0.75% 0.75%
4 3.00% Cap
Excellent 5 1.60% Cap
A.M. Best Premium 6 2.50%
Bonus 7 2.25%
8 4.65% Cap & 2% Asset Fee
9 1.40%
1 25% PR# 1.50%
2 3.00% Cap 1 2 3
BBB+ 3 15% PR# 0-75 5.80% 1.00% 1.00%
Good 4 3.00% Cap 76-80 4.35% 0.75% 0.75%
S&P 5 1.60% Cap
Premium 6 2.50%
Bonus 7 2.25%
8 4.65% Cap & 2% Asset Fee
9 1.35%
$5,000NQ or Q
MinimumGuaranteedSurrender
Value: S&P 500 Annual Monthly Average $5,000NQ or Q
Products
FIX
ED
IND
EX
AN
NU
ITY
S&P 500 Annual Point to Point
S&P 500 Monthly Point to Point 87.5% of premiums paid less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
10-Year U.S Treasury Bond
New S&P 500 Performance Trigger
ADVANTAGE GOLD
Current Fixed Value Rate
New Bond Yield with a Cap
S&P 500 Annual Point to Point
Most StatesS&P 500 Annual Monthly Average
Year(s)
S&P 500 Annual Monthly Average
Current Interest Rates Effective 2/3/2014 Withdrawal Provision
Current Fixed Value Rate
New S&P 500 Performance Trigger
New Bond Yield with a Cap
Features Rev. 7/1/13
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
10-Year U.S Treasury Bond
Minimum Premium
S&P 500 Monthly Point to Point
Surrender Charge
Minimum Guarantee
Iss. Age
10 Year
16, 15, 14, 13, 11.5, 10,
8.5, 7,5.5, 4, 0%
NO MVA
1.50%
S&P 500 Annual Point to Point 84% of 1st year premium plus
premium bonus plus 87.5% additional
premium, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
Commission
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. #PR=Participation Rate FOR AGENT USE ONLY.
CLICK HERE FOR THE DETAILS
ON THE NEW INCOME &
BENEFIT RIDERS!
$31 Billion in Assets under
manangement as of
9/30/13
FIX
ED
IND
EX
AN
NU
ITY
5.00% ofContract
ValueAnnually,StartingYear 2.
Cumulative to 10% if free w/d not taken prior
year.
SystematicW/D & RMDImmediatelyfrom Fixed.)
10 Year9, 8.25, 7.25,
6.25, 5.25, 4.25, 3.25, 2.25, 1,
0.5, 0%
NO MVA
S&P 500 Annual Monthly Average
NEW Product! FOUNDATION
GOLD
S&P 500 Annual Point to Point
INDEX - 6-07
5.00%Immediately
Vested
A-
MinimumGuaranteedSurrender
Value:11 IDX3
7.00%Vested over 10yrs
FullContract
Value at Death
6 Lifetime Income/ Benefit
Options to Choose From:
Option 1: 4% IAV Rate - No
FeeOption 2: 6.5%
IAV Rate - 0.75% Fee
Option 3: 7.00% IAV Rate - 0.90% Fee Option 4:
Lifetime Income Benefit &
Enhanced Death Benefit Rider 4% IAV Rate -
0.70% FeeOption 5:
Lifetime Income Benefit &
Wellbeing Rider 6.5% IAV Rate -
0.85% Fee Option 6:
Lifetime Income Benefit &
Wellbeing Rider 7.00% IAV Rate -
1.00% Fee
Most States
Page 4American Equity 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
Most States Version Index Account 10 Year
Monthly Cap - S&P 500® 15,000 0 - 75 7.25%1 yr Point to Point - S&P 500® 76 - 80 5.00%
The Phoenix Companies, Inc.
Personal 2 yr Point to Point - S&P 500® NQ & Q 81-85 3.00%Hartford, CT Income 1 yr Point to Point - DJIA®
Annuity 1 yr Point to Point - Euro Stoxx 50 MVA + or -
1 yr Balanced Allocation
08/28/13Fixed Account
10 Year
Monthly Cap - S&P 500® 15,000 0 - 75 7.00%Personal 1 yr Point to Point - S&P 500® 76 - 80 4.75%
Income 2 yr Point to Point - S&P 500® NQ & Q 81-85 2.75%Annuity 1 yr Point to Point - DJIA®
1 yr Point to Point - Euro Stoxx 50
1 yr Balanced Allocation
Fixed Account MVA + or -
10 Year
Index Account High Band Low Band High Band Low Band 0 - 75 7.00% Monthly Cap - S&P 500® 1.65% 1.65% 100.00% 100.00% 15,000 76 - 80 5.00%
Personal 1 yr Point to Point - S&P 500® 4.25% 4.25% 100.00% 100.00% 81-85 2.00%Income 2 yr Point to Point - S&P 500® N/A N/A N/A N/A MVA + or - NQ & Q
Annuity 1 yr Point to Point - DJIA® 4.00% 4.00% 100.00% 100.00%1 yr Point to Point - Euro Stoxx 50 4.50% 4.50% 100.00% 100.00%
1 yr Balanced Allocation 4.25% 4.25% 100.00% 100.00%
Fixed Account Rider Fee: 0.95%
14% Annual Roll-up to the benefit base for 10 years (Simple Interest) then can be restarted for up to another 10 yrs at a new roll up rate.
Up to 10% in free
withdrawals after 1st yr
Income Tommorrow
Rider
Free Supplemental E&O coverage
covers insolvency up to $1 million per
client, $5 million per agent
2.10% N/A
The Version above is approved in AK, MN, MO, NC, NJ, OR, VA, and WA
Par. Rate
CT, FL, IA, IN, MD,
MS, NV, NH, OK, PA,
UT: 10, 9, 8, 7, 6, 5, 4,
3, 2, 1, then 0% KY,
OH, TX: 9.1, 8.2, 7.3,
6.4, 5.5, 4.6, 3.7, 2.8,
1.8, 0.9 then 0%
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
Phoenix 10, 9, 8, 7, 6, 5, 4, 3,
2, 1, then 0%
4.25% 100.00%
INCREASED INCOME
FACTORS!Rider Income
available Immediately No wait!
Income Today
Rider
30% Bonus to the Income benefit base if income is taken in yr
1, 37.5% Bonus to the Incomebenefit base if income is taken in yr
2, 45% Bonus to
the Incomebenefit base if income is taken in yr 3 PLUS Provides an additional 3% simple interest roll-up to the Benefit Base inyears 3-10 or until rider exercise Rider Fee: 0.95%
Most States
The Version above is approved in CT, DE, FL, IA, KY, MD, MS, NV, NH, OH, OK, PA, TX, and UT
4.75% 100.00%4.50% 100.00%
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
12, 12, 12, 11,10, 9, 8, 7,
6, 4, then 0% 4.50% 100.00%
B A.M. Best The Version above is approved in AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, KS, LA, MA, MI, MT, NE, NM, ND, RI, SC, TN, VT, WV, WI, and WY
FIX
ED
IN
DE
X A
NN
UIT
Y
Index Account Cap Rate Par. Rate
8.50%
Up to 10% in free
withdrawals after 1st yr
4.50% 100.00%4.25% 100.00%
100.00%
Assets held by a separate account
from general account
FIX
ED
IN
DE
X A
NN
UIT
Y
Cap Rate
$13.6 Billion in Total Statutory Assets as
of February 28, 2014
Phoenix 1.65%
Founded in 1851
2.10%
Products Current Interest Rates , Product Names, and Features Effective December 1, 2013
Withdrawal Provision
Surrender Charge
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Min. Prem.
Iss. Age
Comm. Eff. 10/3/11
Features
FIX
ED
IN
DE
X A
NN
UIT
YCap Rate
Phoenix
Par. Rate
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
100.00%4.00% 100.00%
N/A
9.00% 100.00%
TGV
4.25% 100.00%
2.20% N/A
1.75% 100.00%Up to 10% in
free withdrawals after 1st yr
Page 5 Phoenix 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
Most States Version Index Account Cap Rate Par. Rate 10 Year Monthly Cap - S&P 500® 1.95% 100.00% 15,000 0 - 75 7.25%
1 yr Point to Point - S&P 500® 5.25% 100.00% 76 - 80 5.00%
The Phoenix Companies,
Personal 2 yr Point to Point - S&P 500® 10.50% 100.00% 12, 12, 12, 11,10, 9, 8, 7, 6, 4, then 0% NQ and Q 81-85 3.00%
Hartford, CT Protection 1 yr Point to Point - DJIA® 5.00% 100.00% For CT, FL, IA, IN, MS, MT, NH, NV, OK, PA, UT
Choice 1 yr Point to Point - Euro Stoxx 50 5.50% 100.00% 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0% 0 - 75 7.00%Annuity 1 yr Balanced Allocation 5.25% 100.00%
For DE, KY, OH, TX: 9.1, 8.2, 7.3, 6.4, 5.5, 4.6, 3.7,
2.8, 1.8, 0.976 - 80 4.75%
08/28/13Fixed Account 2.40% N/A MVA + or - 81-85 2.75%
10 YearIndex Account High Band Low Band High Band Low Band
Monthly Cap - S&P 500® 1.95% 1.95% 100.00% 100.00% 15,000 0 - 75 7.00%Personal 1 yr Point to Point - S&P 500® 5.25% 5.25% 100.00% 100.00% 76 - 80 5.00%
Protection 2 yr Point to Point - S&P 500® 10.50% 10.50% 100.00% 100.00% MVA + or - NQ and Q 81-85 2.00%Choice 1 yr Point to Point - DJIA® 5.00% 5.00% 100.00% 100.00%Annuity 1 yr Point to Point - Euro Stoxx 50 5.50% 5.50% 100.00% 100.00%
1 yr Balanced Allocation 5.25% 5.25% 100.00% 100.00%Fixed Account
Income Today Rider Bonus if withdrawals begin in Year 1 30% Year 2 37.5% Year 3 45.0%
Income Tommorrow Rider
Rider Fees
* Rider Fee is 1.00% In MN
Products Current Interest Rates , Product Names, and Features Effective December 1, 2013
Withdrawal Provision Surrender Charge Features
FIX
ED
IN
DE
X A
NN
UIT
YCap Rate
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
Phoenix
TGV
For AL, AZ, AR, CA, CO, DC, GA, ID, IL, KS, LA, MA, MI, ND, NE, NM, RI, SC, SD,
TN, VT, WV, WI, WY
Most States
For CT, FL, IA, IN, MS, NV, OK, PA, UT, TX
30% Bonus to the Income benefit base if income is taken in yr 1,
37.5% Bonus to the Incomebenefit base if income is taken in yr 2,
45% Bonus to the Incomebenefit base if income is taken in yr 3 PLUS Provides an additional 3% simple interest roll-up to the Benefit Base inyears 3-10 or until rider exercise
2.55%
Plus … Provides an additional 3% simple interest roll-up to the Benefit Base in years 3-10 or until rider exercise
Min. Prem.
Iss. Age
Comm. Eff. 6/4/12
Up to 10% in free
withdrawals after 1st yr
2.05%New RMD
Friendly Riders
Cap Rate
$13.6 Billion in
Total Statutory Assets as of
February 28,
2014
Phoenix Up to 10% in
free withdrawals after 1st yr
B A.M. Best The Version above is approved in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MS, MT, ND, NE,NH, NV, NM, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WV, WI, and WY
FIX
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5.50%
11.00%
Founded in 1851
2.40%
Par. Rate
MN, MO, NJ: 10, 9, 8, 7, 6, 5, 4, 3,
2, 1, then 0%
Income Tommorrow
Rider
Free Supplemental E&O coverage
covers insolvency up to $1 million per client, $5
million per agent
14% Annual Roll-up to the benefit base for 10 years (Simple Interest) then can be restarted for up to another 10 yrs at a new roll up rate.
IncomeProtection
Benefit
FamilyProtection
Benefit
Provides an enhanced lump-sum death benefit equal to a simple interest roll-up of 5% or 10% (depending on your attained age) for 10 years, up to a maximum of 250% of premium or age 85, whichever comes first
Income, Family & Care Protection: 1.15%* of the income Benefit BaseIncome & Family Protection: 1.15% * of the income Benefit Base
Increases the amount of your income withdrawal for up to 5 years in the event you are confined to a nursing home and/or are unable to perform 2 of 6 activities of daily living (ADLs). This benefit is available after your second contract anniversary and ranges from 125% to 250% of your income benefit based on age and qualification level. (NOT available in CA, CT, HI, IL, PA, or VA)
Assets held by a separate account
from general account
The Version above is approved in MN, MO, NC and NJOffers guaranteed lifetime income and an income bonus of up to 45% of your initial contract value, credited to your benefit base
Income & Care Protection: 0.95% of the income Benefit Base
Rider combinations &
Offers guaranteed lifetime income and 14% Annual Roll-up to the benefit base for up to 10 years (Simple Interest)
Rid
er F
eatu
res
and
Ben
efit
s
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
CareProtection
Benefit
N/A
Rider Income available
Immediately No wait!
5.50%
5.25%5.75%
For MN, MO, NC and NJTGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
Income Today
Rider
Page 6 Phoenix 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
15% Bonus Version Index Account 12 Year
Phoenix Monthly Point-to-Point with Cap 15,000 0 - 75 7.00%Personal One Year Point-to-Point with Cap
The Phoenix Companies, Inc.
Retirement Choice
Two Year Point-to-Point with Cap MVA + or - NQ and Q 76 - 80 5.00%
Hartford, CT 15% One Year Point-to-Point with Participation
Upfront Two Year Point-to-Point with Participation
RMD's allowed 0 - 64 7.00%08/28/13
Bonus Fixed Account Penalty free
8% Bonus Version
10 Year
Phoenix Personal Monthly Point-to-Point with Cap 15,000 0 - 75 7.00%
Retirement Choice
One Year Point-to-Point with Cap 76 - 80 5.00%
8% Two Year Point-to-Point with Cap MVA + or - NQ and Q
Upfront One Year Point-to-Point with Participation
Two Year Point-to-Point with Participation
RMD's allowed 65 - 75 7.00%Bonus Fixed Account Penalty free 76-80 5.00%
8% Bonus Version 10 Year 15,000
Phoenix Index Account High BandLow Band High Band Low Band 0 - 75 7.00%Personal Monthly Point-to-Point with Cap 1.40% 1.40% 100.00% 100.00% NQ and Q 76 - 80 5.00%Retirement
Choice One Year Point-to-Point with Cap 3.25% 3.25% 100.00% 100.00%
8% Two Year Point-to-Point with Cap 7.00% 7.00% 100.00% 100.00% MVA + or -
Upfront One Year Point-to-Point with Participation N/A N/A 30.00% 30.00%
Bonus Two Year Point-to-Point with Participation N/A N/A 40.00% 40.00% RMD's allowed
Fixed Account Penalty free
Free Supplemental E&O coverage
covers insolvency up to $1 million per
client, $5 million per agent
Assets held by a separate account
from general account
Index Account
8.00% bonus IIC version above is approved in AK, MO, NC, OR, VA, and WA
Cap Rate Par. Rate
IN, MS, MT, NV, OK,
UT: 10, 9, 8, 7, 6, 5, 4,
3, 2, 1, then 0%
DE & KY: 8.3, 7.2, 6.1,
5.4, 4.7, 4, 3.3, 2.5,
1.7, 0.8, then 0% Up to 7% in
free withdrawals after 1st yr
3.25% 100.00%
7.00% 100.00%
N/A
Iss. AgeProducts Min.
Prem.
15.00% bonus version above is approved in AL, AZ, AR, CO, DC, GA, FL*, HI, ID, KS, LA, MA, MI, NE, NM, ND, SC, SD, TN, VT, WI, WV and WY
1.40%3.25%
100.00%100.00%
Current Interest Rates , Product Names, and Features Effective February 18, 2013
Withdrawal Provision
Up to 7% in free
withdrawals after 1st yr
7.00%
FL only*
B A.M. Best
Cap Rate Par. Rate
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
$13.6 Billion in
Total Statutory Assets as of
February 28, 2014
1.40% 100.00%
Premium Bonus Vested over
surrender charge term.
Bonus is 100%
vested at death.
Founded in 1851
Features
1.60%
Comm. TGV
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
Surrender Charge
N/A
Cap Rate
40.00%
40.00%
N/AN/A
30.00%
30.00% FL only*
Premium Bonus Vesting at death
on this version: 8% is vested
immediately for death and
remaining bonus of either 7%
with income rider or 4% with the
rider is vested after yr 12
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet.
100% Nursing Home and Terminal
Illness Surrender Charge Waiver. (Not approved in CA or MA)
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100.00%
N/A
Par. Rate
1.60%
Premium Bonus Vested over
surrender charge term. If death
occurs during the surrender
charge term, any non-vested
premium bonus amounts will be
recovered.
15% 15% 15% 14% 13%
12% 11% 10% 9% 8% 6%
4%
N/A
The maximum allocation to the fixed account
will be 10% in the following states: AK, MO, NC, OR, VA, and WA
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
Premium Bonus Vested over
surrender charge term.
Bonus is 100%
vested at death.
OPTIONAL GUARANTEED
LIFETIME INCOME
BENEFIT:
8.00% Simple Roll-up to the benefit
base for 12 years Ability to restart
Income Benefit roll-
ups for another 12
years.
Annual Rider fee is
0.85%
Premium Bonus: 15% if Income
Benefit is elected12% if no Income Benefit is elected.
2.50% N/A
8.00% bonus lite version above is approved in DE, FL*, IN, KY, MS, MT, NV, OH, OK, and UT
10, 9, 8, 7, 6, 5, 4, 2, 3,
1, then 0%
Up to 10% in free
withdrawals after 1st yr
AK, MO, NC, OR, VA, and WA
Page 7Phoenix 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
0-75 4.50%76-80 3.00%
Monthly Cap Strategy 1.75% 1.95% 81-85 1.50%Annual Cap Strategy 4.50% 5.00%
Performance Trigger Strategy 3.65% 4.15%
Annual Cap Max sm Yr 1 4.50% 5.00%
Cap Max Multiplier Yr 2 3.0 3.0
Bailout Cap 4.00% 4.50%
Fixed Rate Strategies
7-Year Fixed Strategy 1.75% 2.00%
1-Year Fixed Strategy 1.00% 1.25%
0-75 3.00%76-80 2.00%
Monthly Cap Strategy 1.00% 1.40% 1.60% 1.70% 81-85 1.00%Annual Cap Strategy 2.30% 3.05% 3.55% 3.75%
Performance Trigger Strategy 1.95% 2.60% 3.00% 3.20%Annual Cap Max sm Yr 1 2.30% 3.05% 3.55% 3.75%Cap Max Multiplier Yr 2 3.0 3.0 3.0 3.0
Bailout Cap 1.80% 2.55% 3.05% 3.25%
Fixed Rate Strategies5-Year Fixed Strategy 1.00% 1.15% 1.40% 1.50%1-Year Fixed Strategy 1.00% 1.05% 1.10% 1.15%
Products Current Interest Rates Withdrawal Provision
Surrender Charge
GenworthLife Insurance
Company® and Genworth
Life and Annuity Insurance
Company®
A(Excellent)A.M. BEST
A- Standard &
Poor’s
A3 Moody’s
Genworth
Financial, Inc.
(NYSE: GNW) is
a publicly traded,
Fortune 500®
global nancial
security
company,
with $113 billion
in assets as of
12/9/12.
Ratings current
as of 5/13/2013
$25,000 to $99,999
$100,000 to $249,999
Interest Rates are lower in AK, MN, MO, OR, PA, WA Click Here to view.
SecureLiving® Index 7
Products
Interest Rates are lower in AK, MN, MO, OR, PA, WA Click Here to view.
Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout cap then
surrender charges, loss of unvested premium enhancement and market value adjustment will not apply to amounts withdrawn from
your contract during the bailout window.
Rates Effective 3/19/2014
$250,000 or more
2.05%5.20%4.35%5.20%
Current Interest Rates
Iss. Age Comm. Features
(Rates Subject to Change)Minimum Guarantee
Minimum Premium
10% of contract value each contract year beginning in year 2. For
qualified contracts,required minimum
distributions for the contract
are permitted in all years.
7 years 9% 9% 8% 7% 6% 5%
4% then 0% + or - MVA
$25,000 Q/NQ
7 Year
3.04.70%
2.10%1.35%
FullContractValue atDeath
Optional Income Protection Rider (Rev. 10/7/13)
New Income Rider Bonus: 6.00% Enhancement to the Benefit BaseRoll-up Credit: 8.00% simple annual interestRoll-up Period:10 years or until the first income rider withdrawal is takenRider Fee: 95 bps AnnuallyDeferred Income Withdrawal After income withdrawals have begun, if you do not take the full withdrawal limit, you may accumulate up to a total of one year’s worth of income withdrawals for later use. This amount may be taken at a later date without causing an excess income withdrawal.RMD Friendly Rollup!
Surrender Charge
Minimum Guarantee
Max Issue age is 80 in OK
Minimum Premium
Iss. Age
107% of premium less
adjustment for any withdrawals and applicable rider
fees
Comm.Withdrawal Provision(Rates Subject to Change)
Features
104% of premium less
adjustment for any withdrawals and applicable rider
fees
Max Issue age is 80 in OK
$25,000 Q/NQ
FullContractValue atDeath
$25,000 to $99,999
$50,000 to $99,999
$250,000 or more
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout cap then
surrender charges, loss of unvested premium enhancement and market value adjustment will not apply to amounts withdrawn from
your contract during the bailout window.
$100,000 to $249,999
Rates Effective 3/19/2014 10% of contract value each contract year beginning in year 2. For
qualified contracts,required minimum
distributions for the contract
are permitted in all years.
5 years 9% 9% 8% 7% 6% then
0% + or - MVA
5 YearSecureLiving® Index 5
Page 8 Genworth Financial 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
1-Year Guarantee W/O ROP 2.55% 3.80% 4.30% 4.55% 7 YEAR 76-80 1.95%1-Year Guarantee With ROP 1.55% 2.80% 3.30% 3.55% 1% years 8-13 81-85 1.05%3-Year Guarantee W/O ROP 2.15% 2.90% 3.15% 3.35%3-Year Guarantee With ROP 1.55% 2.30% 2.55% 2.75%
5-Year Guarantee W/O ROP 1.80% 2.30% 2.50% 2.60%
5-Year Guarantee With ROP 1.40% 1.90% 2.10% 2.20%
5 Years 0-75 2.00%9,8,7,6,5% 1.00% 76-80 1.35%
7 Years 0-75 2.75%7 Year Guarantee 2.25% 2.45% 9,8,7,6,5,4,3% 76-80 2.15%
81-85 1.50%
1.00% 0-75 7.00%76-80 5.00%
Monthly Cap Strategy 1.55% 1.75%Annual Cap Strategy 3.05% 3.55%
Performance Trigger Strategy 2.50% 3.00%Annual Cap Max sm Yr 1 3.05% 3.55%Cap Max Multiplier Yr 2 3.0 3.0
Bailout Cap 2.55% 3.05%
Fixed Rate Strategies10-Year Fixed Strategy 1.20% 1.45%1-Year Fixed Strategy 1.00% 1.25%
FeaturesMinimum Guarantee
Iss. Age Comm.Minimum
PremiumProducts Withdrawal Provision
Surrender Charge
1.25%
$250,000 or more
1.25%
Current Interest Rates(Rates Subject to Change)
7, 7, 7, 6, 5, 4, 3, 0%
10.00% beginning
year 1GenworthLife Insurance
Company® and Genworth
Life and Annuity Insurance
Company®
A(Excellent)A.M. BEST
A- Standard &
Poor’s
A3 Moody’s
Genworth
Financial, Inc.
(NYSE: GNW) is
a publicly traded,
Fortune 500®
global nancial
security
company,
with $113 billion
in assets as of
12/9/12.
Ratings current
as of 5/13/2013
3.25%
Fixed Indexed Annuity with 4.00% Vested Premium Bonus!
Optional Income Protection Rider (Rev. 10/7/13)New Income Rider Bonus: 6.00% Enhancement to the Benefit BaseRoll-up Credit: 8.00% simple annual interestRoll-up Period:10 years or until the first income rider withdrawal is takenRider Fee: 95 bps AnnuallyDeferred Income Withdrawal After income withdrawals have begun, if you do not take the full withdrawal limit, you may accumulate up to a total of one year’s worth of income withdrawals for later use. This amount may be taken at a later date without causing an excess income withdrawal.RMD Friendly Rollup!
$250,000 or more
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Optional Guaranteed
Return of Premium: Your client receives no less
than the single premium, minus
previous withdrawals.
5 Year
5 Year Guarantee 1.60% 1.80%7 Year
SecureLiving® Rate Saver
*Product available in all states except: NY
Less than $99,000
$100,000 to
$249,999
1.25%Minimum Guaranteed Rates 1-7 yrs
Effective 1/20/14
Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout
cap then surrender charges, loss of unvested premium enhancement and market value adjustment will not apply to
amounts withdrawn from your contract during the bailout window.
10% of contract value each contract year beginning in year 2. For
qualified contracts,required minimum
distributions for the contract
are permitted in all years.
$25,000 Q/NQ
3.75%3.0
$50,000 to $99,999
SecureLiving® Smart Rate
Rates Effective 3/19/14
1.85%3.75%3.20%
FullContractValue atDeath
FullContractValue atDeath
Rates Effective 3/19/14
Annuitizationavailable
after 1 yearinto currentSPIA rates!
FullContractValue atDeath
Free: of the greater amount
of the last 12 months of interest(-
withdrawls) or the required
minimum dist. Under federal tax
law
10 Year10 years 9% 9% 8% 7% 6% 5% 4% 3% 2%
1% then 0% + or - MVA
1.55%1.35%
0-75 3.00%
SecureLiving® Index 10 Plus
Rates Effective 3/19/2014
$25,000 to $99,999
$100,000 to $249,999
$25,000 Q/NQ
$100,000 to $249,999
1.25%
$250,000 or more
1.90%
2.55%
Minimum singlepremium –
$15,000(non-qualified or qualified).
Less than $50,000
Page 9 Genworth Financial 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
One-year Monthly Point-to-Point with a Cap 2.50%
One-year Annual Point-to-Point with a Cap 5.25%
Two -year Point-to-Point with a Cap 12.40% 0 -75 7.00%Three-year Point-to-Point with a Cap 19.00% 76-80 5.50%
One-year Gold Commodity Annual Point-to-Point with a Cap 6.10%
Five-year Dow Jones U.S. Real Estate
Risk Control 10% index with a
Spread. NO CAP!
9.75% 5yr spread
(1.95% Per year)
Fixed Interest Option 2.00%
One-year Monthly Point-to-Point with a Cap 2.50%
One-year Annual Point-to-Point with a Cap 5.25%
Two -year Point-to-Point with a Cap 12.40% 0 -75 6.00%Three-year Point-to-Point with a Cap 19.00% 76-80 4.50%
One-year Gold Commodity Annual Point-to-Point with a Cap 6.10%
Five-year Dow Jones U.S. Real Estate
Risk Control 10% index with a
Spread. NO CAP!
9.75% 5yr spread
(1.95% Per year)
Fixed Interest Option 2.00%
5 Year9%, 8%, 7%, 6%, 5% 0 - 79 2.50%
MVA + or - 80 - 90 1.25%5 Year
9%, 8%, 7%, 6%, 5% 0 - 79 2.50%
MVA + or - 80 - 90 1.25%FIX
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GUARANTEED
YEARS 1-5
Under new ownership since April 2011 by
Harbinger Group Inc.,
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DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal
provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
• Full Value at Death of Owner
• Terminal Illness Waiver
• Nursing Home Waiver
• Unemployment Waiver• Surrender Value at Death of Owner
Except in TX
5 Year Plus
100% ofAll
Cumulative Interest.
Interest Only After 30
Days
1.00%* Years 6 and
later
Min: $10,000 NQ or Q
Max without H.O.
Approval $600K
2.10%5 Year Platinum
2.20% 5yr Effective Yield
3.00% 1st yr 2.00% yrs 2-5
FG Guarantee-Plus
5 year
Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider, and Terminal Illness Rider. Subject to State AvailablityNo Agent Commission Chargebacks upon death of the owner. However, 100% commission chargeback for full and partial surrenders that exceed the free
amount (if any) during first 12 months and 50% during the second 12 month months.
Fidelity & Guaranty Life Insurance Company
Baltimore, MD
A.M. Best B++ (Very Good) for
financial strength. 5th highest
of 16 ratings.
Ratings as of 1/1/12 and subject ot
change.
$22.4 Billion in assets as
of 9/30/13
AR, CA, CO, DC, GA, KS,
KY, LA, MA, MD, ME, MI,
MO, NC, NE, ND, NJ, NM,
SD, TN, WI, WV
AK, NV, OH, OK,
SC, & UTPerformance Pro
FPDA
up to10.00% Premium
Bonus Bonus is credited on all
premiums received in the first year but only when the EGMWB is elected.
10.00% of account
value after the 1st year
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
$10,000NQ or Q $2,000
minimum for any
additional premiums.
$2,000 minimum premium per index crediting option.
AK, NV, OH, OK, SC, & UT :
9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, then 0%
Premium Bonus is
vested over 10yr
Surrender Charge
Term
Click here for
Harbinger Group Inc.'s
website.
FIX
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Performance Pro
FPDA
up to10.00% Premium
Bonus Bonus is credited on all
premiums received in the first year but only when the EGMWB is elected.
10.00% of account
value after the 1st year
Death Benefit is the greater of the MGSV or the account
value. Any Premium Bonuses are 100% vested
at death.
Premium Growing at 4.00% Compounded PLUS
Interest Earned for up to 20 yrs
FG Guarantee-Platinum 5 year
Death Benefit
if client cannot perform 2 out of 6 ADL's
NO MVA
Rider Income Doubler
5% Bonus 76-80Premium Bonus is not included in the income value.
10 YearEnhanced Guaranteed Minimum
Withdrawal Benefit Rider (EGMWB)
EGMWB Rider Features
14% 13% 12% 11% 10% 8% 6% 4% 2%
1% then 0%Annual Rider Charge is 0.95%
Vested Premium BonusPremium Bonus is
vested over 10yr
Surrender Charge
Term 10.00% Bonus 0-75
NO MVA
10 YearThe minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
$10,000NQ or Q $2,000
minimum for any
additional premiums.
$2,000 minimum premium per index crediting option.
Minimum Guarantee
Minimum Premium
Iss. Age
Commission FeaturesWithdrawal Provision
Surrender Charge(Rates Subject to Change)Products
Rates Effective 3/17/2014
0- 0-80
0-80 0-80
Page 10FG Life 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
1-Year S&P® Monthly Pt-to-Pt 3.00% 0 -75 8.00%S&P® Monthly Average 6.00% 76-80 5.50%
S&P® 1-year Annual Pt to Pt 5.50% 81-85 4.25%
0 -64 8.00%Index Gain Option with
Declared Rate 4.75%Fixed 2.00%
1-Year S&P® Monthly Pt-to-Pt 2.50% 0 -75 7.00%S&P® Monthly Average 5.50% 76-80 5.50%
S&P® 1-year Annual Pt to Pt 5.00% 81-85 3.75%
0 -75 6.00%Index Gain Option with
Declared Rate 4.00% 76-80 3.50%
Fixed 2.00%State Variation in MA, NV,
OK, TX & UT - Variation in
FL for 65-85
81-85 3.25%1-Year S&P® Monthly Pt-to-Pt 2.25% 0 -75 4.50%
S&P® Monthly Average 4.75% 76-80 2.50%S&P® 1-year Annual Pt to Pt 4.25% 81-85 2.50%
Index Gain Option with Declared Rate 3.50%
Fixed 1.75%
*In FL, HI, IL, IN, MD, PA, SD and WI the current GMWB annual roll-up rate is 6.50%. For all other states the current GMWB annual roll-up rate is 7.00%
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Products
Enhanced Prosperity Elite 14
8.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue
ages 0-75. 4% Bonus issue ages 76+
Enhanced Prosperity Elite 10
7.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue ages 0-75. 3.50% Bonus
issue ages 76+
Fidelity & Guaranty Life Insurance Company
Baltimore, MD
Click here for
Harbinger Group Inc.'s
website.
A.M. Best B++ (Very Good) for
financial strength. 5th highest
of 16 ratings.
Ratings as of 1/1/12 and subject ot
change.
Under new ownership since
April 2011 by Harbinger Group
Inc.,
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Enhanced Prosperity Elite 7
4.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue
ages 0-75. 2% Bonus issue ages 76+
$22.4 Billion in assets as of 9/30/13
Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider, Terminal Illness Rider, Unemployment Rider Subject to State AvailablityNo Agent Commission Chargebacks upon death of the owner. However, 100% commission chargeback for full and partial surrenders that exceed the free amount (if any)
during first 12 months and 50% during the second 12 month months.
Rates Effective 1/1/2014 Withdrawal Provision(Rates Subject to Change)
Comm. Rev. 7-15-13 FeaturesSurrender
ChargeMinimum Guarantee
Minimum Premium
Iss. Age
14.75, 13.75, 12.75,11.75,10.75,
10, 9, 8, 7, 6, 5, 4, 3, 2, then 0%
Premium Bonus is
vested over Surrender
Charge Term
State Variation in MA, NV,
OK, TX & UT - Variation in
FL for 0-64
Vested Premium Bonus
8.00% Bonus on 14 yr
7.00% Bonus on 10 yr
10.00% of vested account
value after the 1st year Premium Growing at 7.00%*
Compounded for up to 20 yrs
Premium Bonus is
vested over Surrender
Charge Term
AK, DE, NV, OH, OK, SC, TX & UT
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
12, 11 10, 9, 8, 7, 6, 5, 4, 3, then 0%
10 Year
$10,000NQ or Q
Max issue age for the 14yr is 64 in FL.
Rider Charge is 1.10%10.00% of
vested account
value after the 1st year
14 Year
$10,000NQ or Q
FL Only
Optional Protection Rider Pakage rev. 1-22-14
4.00% Bonus on 7 yr
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
Prosperity Elite Series
Agent Highlights
F&G Life State Approvals
Enhanced Guaranteed Minimum Withdrawal Benefit Rider (GMWB)
Income Base is the Greater of:
Premium Plus 18.00% Income Rider Bonus OR
Rider Income Doubler
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
10, 9, 8, 7, 6, 5, 4, then 0%
Premium Bonus is vested over
Surrender Charge Term
OR Premium+Bonus Growing at 5.00% Simple Interest for 10 years or age 85
if client cannot perform 2 out of 6 ADL's
Enhanced Guaranteed Minimum Death Benefit
Death Benefit is the greater of:
7 Year
Annuity's account Value OR Income base taken over at least five years (10 years if age 71 or older)
$10,000NQ or Q
10.00% of vested account
value after the 1st year
Quick Links
0-80 0-80
Page 11FG Life 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
S&P 500® Annual Point-to-Point Cap 5.00% Most StatesS&P 500® Monthly Point-to-Point Cap 1.80% 12 Year 0 -75 7.00%DJIA Quarterly Point-to-Point Cap 1.60% 14,13,12,11,10,9,8,7,6,
5,4,3% 76-80 4.00%
DJIA Monthly Average Annual Cap 5.00% CA Only12 Year
Guaranteed Fixed Account 1-8 yrs 1.10% 0 -75 6.00%76-80 3.00%
MVA + or -
S&P 500® Annual Point-to-Point Cap 5.00% Most StatesS&P 500® Monthly Point-to-Point Cap 1.85% 8 Year 0 -75 5.50%DJIA Quarterly Point-to-Point Cap 1.30% 10,9,8,7,6,5,4,2% 76-80 2.50%DJIA Monthly Average Annual Cap 5.00%
CA & WA OnlyGuaranteed Fixed Account 1-8 yrs 1.40% 8 Year 0 -75 4.75%
9,8,7,6,5,4,3,2% 76-80 1.75%
5 Year AP2P Cap (S&P 500) 4.50% 9,8,7,6,5%, then 0% 0 -75 3.00%
MP2P Cap - Additive (S&P 500) 1.80%MVA + or - 76-80
1.75% Waiver of Surrender
Charges
Fixed Account 1-5 yrs 1.60%
AP2P Cap (S&P 500) 3.75%MP2P Cap - Additive (S&P 500) 1.55%
Fixed Account 1-5 yrs 1.35% No age limits.
5 Year9,8,7,6,5% 0 -75 2.25%MVA + or - 76-80 1.50%
7 Year9,8,7,6,5,4,3% 0 -75 2.50%
MVA + or - 76-80 1.70%
FIX
ED A
NN
UIT
Y
90% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
Min.
$10,000
NQ/Q $1
Million Max
Premium
without Home
Office Approval
FIX
ED
AN
NU
ITY
ATHENE Max Rate
MYGA
5 Year Rate GuaranteeMost States: 2.50% Guaranteed yrs 1-5
FL Version: 2.40% Guaranteed yrs 1-5
CA Version: 2.70% Guaranteed yrs 1-7
1.00% Min
Renewal
after the
Intial rate
guarantee
term
Min.$5,000 NQ/Q $1 Million Max
Premium without Home
Office Approval
Additional Deposits
accepted during the 1st
6 months. (up to 5
deposits)
NO free withdrawals outside of the
30-day window (free out period) prior to the end of the guarantee
period7 Year Rate Guarantee
Most States: 3.00% Guaranteed yrs 1-7
FL Version: 2.90% Guaranteed yrs 1-7
10% Free Withdrawal after the first
year. Systematc
withdrawals are available after the first year
Click here to view the MaxRate agent
guide
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
Most StatesMin.$5,000NQ/Q
$1 Million Max
Premium without
Home Office Approval
MN, MO, OR, PA, UT Only
This annuity is a designed for Maximum Interest Rate and will not be appropriate for every client; the Target Client is one:
• Looking for a safe place to accumulate money.
• Client seeking highest guaranteed interest rate available and Willing to trade liquidity for the opportunity to earn a higher rate of return.
• Comfortable with locking in money for the length of the duration selected or longer. • Doesn’t want to pay for additional benefits that may never be used.
CA Version: 2.20% Guaranteed yrs 1-5
Death Benefit The beneficiary will be
paid the Accumulation value
as of the date of death. State variations may
apply.
MaxRate 5
MaxRate 7
100% Terminal Illness
Waiver
100% Confinement
Waiver
(Maximum issue age is
79 in IN)
Most States
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
Min.$5,000NQ/Q
$1 Million Max
Premium without
Home Office Approval
Full Value at Death
Most States
Surrender Charge
Minimum Guarantee
Minimum Premium
Iss. Age Comm. Features Rev. 9-1-13
CA Only
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate 12,11,10,9,8,7,6,5,4,3,
2,1%
ProductsRates Effective 4/14/2014 Withdrawal
Provision(Rates Subject to Change)
B++ (Good) from
A.M. Best
$10.5 Billion in assets as of
4/22/13
Athene Annuity & Life Assurance
Company Wilmington,
Delaware
CA & WA Only
Full Value at Death
Our parent company,
Athene Holding Ltd.,
has $60 Billion in
assets as of 10/2/13
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
5 Year Fixed
Index Annuity
(FIA)
Max issue age in FL is
64
Most States
FIXE
D IN
DEX
AN
NU
ITY
SPDA Enhanced Choice 12
Fixed IndexAnnuity
5.00% Premium
Bonus
FIX
ED
IND
EX
AN
NU
ITY
SPDA Enhanced Choice 8
Fixed IndexAnnuity
2.00% Premium
Bonus
Enhanced GuaranteedLifetime Withdrawal
Benefit Rider (1.50 bps rider cost)
1.00% Immediate Income Bonus to the
Income Base.
6.50% Annual Compounded Roll
up for 10yrs
50% Increase in Income Payments if client
cannot perform 2-6 ADL's Available after
the 5th year
ATHENE Accumulator
5SM
0-
Page 12Athene 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
S&P 500® Annual Point-to-Point Cap 3.65% Year(s)
AP2P Cap MO, UT, PA, MN, OR only 3.15% 1 2 3
30-75 6.00% 1.00% 1.00%
S&P 500® Monthly Point-to-Point Cap 2.05% 76-80 3.50% 1.00% 1.00%
MP2P Cap MO, UT, PA, MN, OR only 1.80%
Fixed Account Year 1-5 1.70%Fixed MO, UT, PA, MN, OR only 1.40%
Contract Year 1 2 3 4 5 6 7 8+Income % Increase N/A 10% 10% 10% 10% 10% 5.00% 0.00%
Commission
SPDA Athene Benefit 10SM
Fixed IndexAnnuity
6.00% Premium Bonus
Surrender Charge(Rates Subject to Change)
Bonus vested over 10 years
Trails paid in yrs 2 & 3 are based on accumulation value
Minimum Guarantee
Minimum Premium
Iss. Age
10 Year
ProductsRates Effective 12/9/2013 Withdrawal
Provision
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to
performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Confinement Benefit
Early Income Bonus: An additional benefit is the Early Income Bonus. If lifetime withdrawals start prior to the eighth contract anniversary, Athene Annuity will increase the lifetime withdrawal according to the schedule below contract
anniversary, Athene Annuity will increase the lifetime withdrawal according to the schedule below.
Confinement & Terminal
Illness Benefits Terminal Illness Benefit
1
2
3
4
5
Athene Annuity & Life Assurance
Company Wilmington,
Delaware
B++ (Good) from
A.M. Best
Lifetime Withdrawal
Benefit
5 B
enef
its
1
Rid
erAnnual Rollup Rate - The benefit base grows annually with simple interest rollups until the earlier of age 85 or the election of benefits.
Contract Anniversaries 1 – 10: 8.00% Annual Simple Interest Rollup
The Benefit Base is the amount used to calculate Rider benefits. The Benefit Base is the initial Enhanced Benefit premium payment plus the annual Rollup rate minus withdrawals and cannot be withdrawn in a Rider Benefits lump sum.$10.5 Billion in
assets as of 4/22/13
Our parent company,
Athene Holding Ltd.,
has $60 Billion in
assets as of 10/2/13
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
9,9,8,7,6,5, 4,3,2,1% then
0%
Lifetime Withdrawals: Single or Joint Payout with a choice of a level or 3% increasing payout
FIX
ED
IND
EX
AN
NU
ITY
EN
HA
NC
ED
BE
NE
FIT
RID
ER
DE
TAIL
S
Contact Anniversaries 11+: 5.00% Annual Simple Interest Rollup
Enhanced Benefit Rider
Min.$10,000NQ/Q
$1 Million Max Premium
without Home Office
Approval
Beneficiaries have choice of: Benefit Base, which will be paid out over a 5 year period OR Lump Sum Benefit, which will be the greater of 70% of the Benefit Base, the Accumulation Value, or the Minimum Guaranteed Cash Surrender Value
Rider Charge True Up
If the rider charges exceed interest credited, then a true-up amount will be credited every 5th year which is guaranteed for the life of the contract. Rider Charge:1.4% of the rider’s benefit base. This rate is guaranteed not to change for the life of the contract.
Benefit Base will be paid out over a 5 year period (Available after the 1st contract anniversary)Must be terminally ill, meaning a life expectancy of less than 1 year (24 months in KS)
Death Benefit
Enhanced Lifetime
Withdrawal Benefit (ADL
Triggered)
Available after the 5th contract anniversary and attained age in excess of 50
If joint payout is selected, the increase will be 25% of the Lifetime Withdrawal Benefit if either or both spouses qualifyMust be unable to perform 2 of 6 ADL’s on a permanent basis
50.00% Enhancement to the Lifetime Withdrawal Benefit
Available after 180 days of continuous confinement in a Health Care Facility or Hospital
Benefit Base will be paid out over a 5 year period (Available after the 1st contract anniversary)
0- 0-80
Page 13Athene 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
Point-to-Point Cap Index Strategy 2.25% 3.00% 76-80 5.25%
Monthly Cap Index Strategy 0.90% 1.30%Performance Trigger Index Strategy 1.75% 2.50%
10% 10%
2.25 4%Fixed Rate Strategy 1.40% 1.40% MVA + or -
Point-to-Point Cap Index Strategy 4.50% 5.50%Monthly Cap Index Strategy 1.30% 1.70%
Performance Trigger Index Strategy 3.50% 4.00%
10% 10%
4.00 5.5%Fixed Rate Strategy 2.00% 2.00%
Point-to-Point Cap Index Strategy 3.25% 3.75%Monthly Cap Index Strategy 0.80% 1.20%
Performance Trigger Index Strategy 2.00% 2.50%Full Value at
Death10% 10%
2.00 3.50Fixed Rate Strategy 1.40% 1.40% NO MVA
. ** Interest May be withdrawn from Fixed Rate Strategy in the first contract year.
Maximum Issue age is 75
in IN, IA, and MS
No Commission
Chargeback at Death
No Commission
Chargeback at Death
ING Secure Index Five Annuity FLEXIBLE PREMIUM
Interest Rate Benchmark Strategy
Cap
Multiplier
5 Year
8%, 7.5%, 6.5%, 5.5%, 4.5% then 0%
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
1.57%
Additional Deposits yrs 2-5
Optional Return of
Premium Rider
Interest-Crediting Strategies (without ROP)
$15,000 Band
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
$75,000 Band
A (Excellent) from A.M. Best
Cap
Multiplier
FIX
ED
IND
EX
AN
NU
ITY
Interest Rate Benchmark Strategy
ING USA Annuity and Life Insurance
Company Des Moines IA
ING Secure Index Opportunities Plus Annuity
5.00% Premium
Bonus
Interest-Crediting Strategies $15,000 Band
$75,000 Band
A- ("Strong") S&P
$75,000 Band
$81 Billion in assets as of
12/31/11
FIX
ED
IND
EX
AN
NU
ITY
FIXE
D IN
DEX
AN
NU
ITY
Multiplier
A- ("Strong") Fitch
A3 ("Good") Moody's
Interest Rate Benchmark Strategy
Cap
ING Secure Index Seven Annuity
FLEXIBLE PREMIUM
Interest-Crediting Strategies $15,000 Band
Nursing Home/ Terminal Illness
Waiver(Available in all states except MA and PA)
Additional Deposits yrs 2-5
2.47%
76 - 80 2.36% Rider Cost: 0.85%
6.00% Compounded
Roll-up for 10 years
4.50%
No Commission
Chargeback at Death
Surrender Charge
Minimum Guarantee
Minimum Premium
87.5% of the single premium less
withdrawals and premium taxes,
if applicable, accumulated at the applicable minimum
guaranteedstrategy value rate for the first ten contract
years then redeterminedannually
Bonus is vested
over 10yrs
10%, 10%, 10%, 10%, 9%, 8%, 7%, 6%, 5%,
4% then 0%
Min. $15,000 NQ/Q
$50 minimum subsequent
premium
0 - 75 3.15%
10%, 10%, 10%, 10%, 9%, 8%, 7%, then 0%
7 Year
3.37%
87.5% of all premiums less withdrawals,
surrender chargesand premium taxes, if
applicable, accumulated at the
applicable minimum guaranteed strategy
value rate forthe first seven contract
years then redetermined annually
76-80
NO MVA
87.5% of all premiums less withdrawals,
surrender chargesand premium taxes, if
applicable, accumulated at the
applicable minimum guaranteed strategy
value rate forthe first nine contract
years then redetermined annually
Iss. Age
Comm. Rev. 9-
6-13
Features Rev. 7-15-13
ING Income
Protector Withdrawal MN,NJ,
OR & WA Only
0-75: 6.00%76-80: 4.50%
0-75 7.00%
Guaranteed Income for Life
Products Withdrawal Provision
3/3/2014(Rates Subject to Change)
Interest only
1st contractyear**
10.00%of Account
Valueyears 2+
Min. $15,000 NQ/Q
$50 minimum subsequent premium
0-75
10 Year
Min.$15,000NQ/Q
Interest only1st contract
year**
10.00%of Account
Valueyears 2+ 0-
0- 0-80
Page 14ING 4/1/2014
888.661.1999 April Spreadsheet http://annuity1.com
2.00% 2.00% 2.00%
1.25% 1.25% 1.25%
2.00% 2.00% 1.75%
1.25% 1.25% 1.25%
$750K 0.50%$1M 1.00%
$2.5M 1.50%
FeaturesProducts Current Interest Rates (Effective 11/8/2013)
Withdrawal Provision
Surrender Charge
Minimum Premium
Minimum Guarantee
Iss. Age
Comm. Rev. 5-13-13
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is
not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
H.O. Agent Bonus
Income Boost #1 = 20% of premium
Income Boost #2 = 15% of premium at start of year 3
Income Boost #3 = 15% of
premium at start of year 5
150% total interest credits
boost at start of year 10
76-80 5.00%
Annual Guaranteed Lifetime Income Benefit Plus Rider Charge
0.95% 0.95% 0.95%
1.00% Less in AK, CT, DE, MD,
MN, NV, OH, OK, OR, SC, TX,
UT, WA
$25,000NQ - Q
87.5% of the
premiums paid, less
withdrawals and
rider charges,
compounded at the
applicable Minimum
Guaranteed
Contract Withdrawal
Value Interest
Rates, ranging
from1% to 3%.
55-75 7.00%
4.00%
2.00%
LOW BAND150% Income Boost
Monthly Point-to-Point with Cap (Annual Reset) 2.25%
INCOME 150+℠
4.00% 3.50%
$100,000-$249,999
$25,000 - $99,999
• 10% of the beginning-of-year Contract Value after the first contract year can be
withdrawn each year without
incurring withdrawal charges.
10-yeardeclining
+/-MVA
10, 10, 9, 9, 8, 7, 6, 5, 4, 2, 0%
Annual Point to Point with Cap 4.50% 4.50% 4.00%Three Year Point-to-Point –
ARMOUR II Index with Spread
• 10% of the beginning-of-year Contract Value after the first contract year can be
withdrawn each year without
incurring withdrawal charges.
10-yeardeclining
+/-MVA
12, 12, 11, 10, 9, 8, 7, 6, 4, 2,
0%
HIGH BAND
LOW BAND
0.95%
4.00% 6.00%
HIGH BAND
2.00% 1.75%
2.25%
0.95%
$6.3 Billion in Assets
under manangement as
of 12/31/12
Monthly Point-to-Point with Cap (Annual Reset)
$250,000 plus
Fixed Account Strategy
Annual Guaranteed Lifetime Income Benefit Plus Rider Charge
0.95%
2.00%
Forethought is a
subsidiary of
Global Atlantic
Financial Group
Limited, a
multiline
insurance and
reinsurance
company with
over $30 billion
in assets (as of
1/2/2014)
Income 150+SM ULTRA BAND
Annual Death Benefit Rider Charge
Annual Point to Point with Cap 4.00%
ULTRA BAND
Income 115SM
15% Income Bonus
FIXE
D IN
DEX
AN
NU
ITY
FIX
ED IN
DEX
AN
NU
ITY
$250,000 plus
Income 125+SM
4.00%
2.00%
Annual Guaranteed Lifetime Income Benefit Plus Rider Charge
0.55% 0.55%
$100,000-$249,999
25% Income Bonus
150% income boost based on the initial premium received
and applied to the Guaranteed
Lifetime Income Account Value.
Fixed Account Strategy
Monthly Point-to-Point with Cap (Annual Reset)
$100,000-$249,999
LOW BAND
Annual Point to Point with Cap 3.50%
$250,000 plus
ULTRA BAND
HIGH BAND
2.00%
4.00%
$25,000 - $99,999
Annual Death Benefit Rider Charge
• 10% of the beginning-of-year Contract Value after the first contract year can be
withdrawn each year without
incurring withdrawal charges.
$25,000NQ - Q
87.5% of the
premiums paid, less
withdrawals and
rider charges,
compounded at the
applicable Minimum
Guaranteed
Contract Withdrawal
Value Interest
Rates, ranging
from1% to 3%.
A-
FIXE
D IN
DEX
AN
NU
ITY
0-75
A.M. BEST RATING
Forethought Financial
Group
6% Annual Compounded Roll-up to the Guaranteed
Lifetime Income Account Value for 10 years
76-85 6.00%
1.00% Less in AK, CT,
DE, FL, MN, NV, OH,
OR, SC, TX, UT
Optional 5.00% Annually Increasing Death Benefit
Guarantee Rider
0.55%
$25,000NQ - Q
10-yeardeclining
+/-MVA
12, 12, 11, 10, 9, 8, 7, 6, 4, 2,
0%
7.00%
5.00%
15% income bonus based on the initial premium received and applied to the
Guaranteed Lifetime Income Account Value.
25% income bonus based on the initial premium received and applied to the
Guaranteed Lifetime Income Account Value.
5% Annual Compounded Roll-up to the Guaranteed
Lifetime Income Account Value for 10 years
INCOME 125℠
1.00% Less in CT, DE,
FL, MN, NV, OH, SC,
TX, UT)
0-75
INCOME 115℠
8.00%
Optional 5.00% Annually Increasing Death Benefit
Guarantee Rider
1.75%
$25,000 - $99,999
76-85
87.5% of the
premiums paid, less
withdrawals and
rider charges,
compounded at the
applicable Minimum
Guaranteed
Contract Withdrawal
Value Interest
Rates, ranging
from1% to 3%.
Page 15 FORETHOUGHT 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
10 year $10,000 18-75 6.50%
76-80 5.00%MVA + or - $350,000
18-75 5.75%Terminal Illness
BenefitHome Health Care
Benefit 76-80 4.25%
Nursing Home Benefit 75 bps Annual Rider Charge
(Very Good) Policy yr 1 2 3 4 5 $20,000
A.M. Best 10% 9% 8% 7% 6% 18-75 3.00%
76-80 2.00%$350,000
Policy yr 6 7 8 9 10 11+ Nursing Home
5% 4% 3% 2% 1% 0% Home Health Care &
MVA + or - Terminal Illness30 DAY WINDOW Waiver
after 5th year surrender charges are
waived.
5 Year9%, 8%, 7%, 6%, 5%
then 0%MVA + or - 76-85 1.75%2.75%
5-year guaranteed interest rate
Full Value at Death5X5 Annuitization
Full ValuePaid at Death
• Full Account Value at Death
• Nursing Home Waiver
• Unemployment Waiver
0 - 75 2.50%
Minimum Premium
Comm. FeaturesIss. Age
Most states
Minimum Premium
Withdrawal Provision
Surrender Charge
Monthly Average Cap 10% of your accumulated annuity value after the first
yr Waiver of Surrender/Withdrawal
Charges
Annual Pt to Pt Cap
Fixed Rate
10% 9% 8% 7% 6% 5% 4% 3%
2% 1%
3.15%
3.15%
1.40%
Systematic withdrawal of
interest in the first year
NO MVA in MN, MO, NJ, PA, WA
Current Interest Rates Effective 2-1-2014
Products
Oxford Life
Insurance Company
Phoenix, Arizona
FIXE
D IN
DEX
AN
NU
ITY
Royal Select
Fixed Indexed Annuity
8% Premium
Bonus vested over 10yrs
B++
Features
Optional Guaranteed Lifetime Withdrawal
Benefit
Minimum Premium
Minimum Guarantee
1.00% on 87.5%
Minimum Premium
6.50% Compounded Rollup for 10
years
Most states
Iss. Age Comm.
Maximum Premium without Home Office
Approval
MN, MO, NJ, PA, WA Only
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
$6.1 Billion in assets as of
12/30/12
Americo Financial
Life and Annuity Insurance
Company Kansas City, MO
Min: $10,000 NQ or $5000 Q Max without
H.O. Approval
$1M
The GLWB rider on the Income Protector MYGA has been eliminated Effective 6-1-13
Minimum Guarantee
Systematic withdrawal of
interest in the first year
Products Current Interest Rates Effective 3-4-2014
10% of your account value after the first yr
Systematic monthly
interest option.
1.00%* Years 6 and later
No 30 Day window! True 5 year walk
away! A- (Excellent)
A.M. Best for financial
strength. As of 1/1/13
FIXE
D Platinum Assure 5
For Financial Strength
Withdrawal Provision
Maximum Premium without Home Office
Approval
Surrender Charge
FIXE
D A
NN
UIT
Y
INCOME PROTECTORTM
InterestRate Bands
Assets $968 Million in
Assets as of 12/31/2012
$20,000 to $350,000
Interest RateYears 1-5
2.85%10% of your accumulated annuity value after the first
yr
FIRST 30 DAYS AFTER 5YR POLICY
YR 0%
Page 16 Oxford Life/Americo 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
Charter Series℠ FPDA PAR RATE INDEX METHOD CAPS/
FixedFEES /
MARGINS
14 Year Option 100% S&P 500® Annual Daily Average 3.35% N/A 14 Year 0-75 7.00%
100% S&P 500® Annual Point-to-Point 2.90% N/A
100% S&P 500® Monthly Point-to-Point 1.45% N/A 10.00%100% DJIA ℠ Annual Daily Average 3.10% N/A
100% DJIA ℠ Annual Point-to-Point 2.70% N/A 0-51 4.15% 1st yr
100% S&P 400® Annual Daily Average 2.70% N/A 2.00% Yr 2 Trail
100% S&P 400® Annual Point-to-Point 2.40% N/A
11.54%^ 100% Russell 2000® Daily Average 2.65% N/A
100% Russell 2000® Annual Pt-to-Pt 2.40% N/A + or - 100% Nasdaq-100® Annual Point-to-Point 2.55% N/A
1.40% 100% Nasdaq-100® Monthly Pt-to-Pt 1.25% N/ACurrent Fixed
Value Rate plus100% Dow Jones EuroStoxx 50® Pt-to-Pt 2.85% N/A
100% Hindsight Index Strategy 2.15% N/A
Fixed Account 1.40% N/A
(^Assumes no withdrawals) Premium Bonus 10.00% 3 Optional
Rider ChoicesCharter Series℠
FPDA PAR RATE INDEX METHOD CAPS FEES / MARGINS 10.00%
10 Year Option 100% S&P 500® Annual Daily Average 2.85% N/A 10 Year 0-75 6.50%
100% S&P 500® Annual Point-to-Point 2.45% N/A 76-79 4.8750%
100% S&P 500® Monthly Point-to-Point 1.30% N/A
100% DJIA ℠ Annual Daily Average 2.60% N/A
100% DJIA ℠ Annual Point-to-Point 2.25% N/A
100% S&P 400® Annual Daily Average 2.25% N/A 0-55 3.65% 1st yr
100% S&P 400® Annual Point-to-Point 2.00% N/A + or - 2.00% Yr 2 Trail
6.26% 100% Russell 2000® Daily Average 2.20% N/A
100% Russell 2000® Annual Pt-to-Pt 2.00% N/A
100% Nasdaq-100® Annual Pt-to-Pt 2.15% N/A
1.20% 100% Nasdaq-100® Monthly Pt-to-Pt 1.05% N/ACurrent Fixed
Value Rate plus100% Dow Jones EuroStoxx 50® Pt-to-Pt 2.40% N/A
100% Hindsight Index Strategy 2.00% N/A
Fixed Account 1.20% N/A
Premium Bonus 5.00%
Page 17
Guaranteed Minimum
Withdrawal Benefit (GMWB)
New Income
Multiplier (Double Income)
available for an
additional annual cost of
0.10%
6.25% annual compounded
rollup rate for 10 years Plus Option to
Extend the Bonus Credit for Contract
Years 11-20. Current annual fee 95bps
5.50% annual compounded
rollup rate for Life or until income rider is turned on no maximum crediting years. Current
annual fee 40bps
Withdrawal Provision
ofAccumulation
Value Annually
Afterthe 1st Yr.
Surrender Charge
MinimumGuaranteed
Interest:1% eff. 8/10/10
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
Full Accumulation Value at death.
Interest
Adjustment
18, 18, 17, 15, 15, 15,
15,14,12,10, 8,6, 4, 2, 0%
Most States
$10,000 NQ $2,000
Q
Products
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance,
guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Minimum Guaranteed
6.75% annual
compounded rollup rate for
10 years Current annual fee
95bps
Iss. Age
Features Rev. 10/1/13
Minimum Premium Comm.
10.00% Premium Bonus*
Guaranteed First Year Yield!
on all Premiums paid in the 1st 7 yrs
Max issue age in CA is 65.
Max issue age in NV is 48.
Max issue age in OH is 49.
Max issue age in NV is 53.
Max issue age in OH is 53.
Most States
MinimumGuaranteed
Interest:1% eff. 8/10/10
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
$10,000 NQ $2,000
Q
10% premium bonus.
TX Only
Max issue age in FL is 64 unless
client is an accredited investor
Rates Effective 2/7/2014
on all Premiums paid in the 1st 7
yrs
Guaranteed First Year Yield!
$13 billion in assets as of December 31,
2012
A+ (Superior) by
A.M. Best
NORTH AMERICAN
FIX
ED
IN
DE
X A
NN
UIT
YF
IXE
D I
ND
EX
AN
NU
ITY
15, 14,13,12, 11,
10, 8, 6, 4, 2, 0%
TX Only
MN, and VA commissions will be
reduced by 1%.
MN, and VA commissions will be
reduced by 1%.
Max issue age in FL is 64 unless
client is an accredited investor
ofAccumulation
Value Annually
Afterthe 1st Yr.
5% premium bonus.
Interest
Adjustment
Founded in 1886 as North
American Accident Association
5.00% Premium Bonus*
“A+” (Strong) by Standard &
Poor’s.
0-80
10.00% 10.00% 10.00%
North American 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
PAR RATE INDEX METHOD CAPS FEES /
MARGINS
100% NEW!!S&P 500® Inverse Performance Trigger 3.45% N/A 12 Year 0-75 6.00%100% S&P 500® Annual Point-to-Point 3.40% N/A
100% S&P 500® Monthly Point-to-Point 1.70% N/A 10.00%100% DJIA ℠ Annual Point-to-Point 3.20% N/A
100% S&P 400® Annual Point-to-Point 2.90% N/A
100% Russell 2000® Annual Pt-to-Pt 2.90% N/A
100% Nasdaq-100® Annual Point-to-Point 3.10% N/A
100% Nasdaq-100® Monthly Pt-to-Pt 1.50% N/A
100% Dow Jones EuroStoxx 50® Pt-to-Pt 3.45% N/A + or -
100% Hang Seng Pt-to-Pt 3.55% N/A
1.65% Fixed Account N/A N/A
PAR RATE INDEX METHOD CAPS UT Only
100% NEW!!S&P 500® Inverse Performance Trigger 2.65% 2.35% 0-75 5.00%
100% S&P 500® Annual Point-to-Point 2.55% 2.25% 8 Year 76-79 3.75%
100% S&P 500® Monthly Point-to-Point 1.35% 1.20% 80-85 2.50%
100% DJIA ℠ Annual Point-to-Point 2.35% 2.05% 10.00%
100% S&P 400® Annual Point-to-Point 2.10% 2.00%
100% Russell 2000® Annual Pt-to-Pt 2.10% 2.00%
100% Nasdaq-100® Annual Point-to-Point 2.25% 2.00%
100% Nasdaq-100® Monthly Pt-to-Pt 1.10% 1.00%
100% Dow Jones EuroStoxx 50® Pt-to-Pt 2.50% 2.15% + or -
100% Hang Seng Pt-to-Pt 2.50% 2.10%
Fixed Account 1.25% 1.10%Premium Bonus 4.00% 2.00%
Page 18
100%, 90%, 80%, 70%, 60%,
50%, 40%, 20%
Premium Bonus Recapture
Max issue age in FL is 64 unless client is an accredited investor
NA PERFORMANCE CHOICESM 8 PLUS
Interest
Adjustment
ofAccumulation
Value Annually
Afterthe 1st Yr.
on all Premiums paid
in the 1st 5 yrs
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1% Interest,
compoundedannually
10%, 10%, 10%, 10%,
9%, 8%, 5%, 4%, 3% then
0%
Interest
Adjustment
Withdrawal Provision
Max issue age in TX is 55
FIX
ED
IN
DE
X A
NN
UIT
YNORTH
AMERICAN
A+ (Superior) by A.M.
Best
“A+” (Strong) by Standard &
Poor’s.
FIX
ED
IN
DE
X A
NN
UIT
Y
$10,000 NQ $2,000 Q
$13 billion in assets as of December
31, 20124%
Premium Bonus*
Founded in 1886 as North
American Accident
Association
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1% Interest,
compoundedannually
$10,000 NQ $2,000 Q
100%, 95%, 90%, 85%, 80%,
70%, 60%, 50%, 40%, 30%,
20%, 10% Premium Bonus
Recapture
TX and UT commission
percentage reduced by
1.00%
on all Premiums paid
in the 1st 5 yrs
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee,
Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
3 Optional
Rider Choices
6.25% annual compounded
rollup rate for 10 years Plus Option to Extend the Bonus Credit for Contract
Years 11-20. Current annual fee 95bps
5.50% annual compounded
rollup rate for Life or until income rider is
turned on no maximum crediting
years. Current annual fee 40bps
Max issue age in IN is 82
Max issue age in SC is 52
6.75% annual
compounded rollup rate for
10 years Current annual fee
95bps
NA PERFORMANCE CHOICESM 12 PLUS
Surrender Charge
Minimum Guarantee
d
Minimum Premium Iss. Age
Max issue age in CA is 65
ofAccumulation
Value Annually
Afterthe 1st Yr.
Features Rev. 10/1/13
Guaranteed Minimum
Withdrawal Benefit (GMWB)
8% Premium
Bonus10%, 10%, 10%, 10%,
10%, 9%, 8%, 7%, 6%, 5%, 4%, 2% then
0%
Nursing Home Confinement
Waiver
Full Accumulation Value at death.
Comm. Rev. 8/9/12
Products Rates Effective 2/7/2014
Max issue age in SC is 48
10.00%
0-80
10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
North American 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
9.0% Bonus
Par rate/Cap Asset Fee 0-75 5.00%Austin, TX 80% 0.20% 76-80 3.00%
2.50% N/A
2.75% N/AExcellent
A.M. Best PremiumBonus 0-75 5.00%
2.0% Bonus 76-80 3.00%Par rate/Cap Asset Fee
95% 0.35%2.75% N/A
3.20% N/A
0-55 2.25%Par rate/Cap Asset Fee
95% 0.45%2.75% Cap N/A 0-75 10.00%
3.15% N/A 76-80 8.50%
0-75 9.00%76-80 7.50%81-85 5.00%
0-57 7.75%
0-70: 5%, 71-75: 2.5%, 76-80: 1.5%
5.26*% Guaranteed First Year Yield!3.20% Current Fixed Value Rate Plus
9.00%Immediately
Vested
10% Account Value, free of a
withdrawal charge, once
annually AFTER 1st Policy Year
or Systematic Withdrawal of Interest After
1st Policy Year or IRA Qualified - RMD free of a
withdrawal charge
12.00*% Guaranteed First Year Yield!2.75% Current Fixed Value Rate Plus Non Qualified
Qualified
$5,000NQ
0-70: 5%, 71-75: 1.5%, 76-80: 0.25%WA, DE, IL, IN, MA, MN, NJ, PA
& UT ONLY)
FL Only *0-64 Max unless an accediated investor
Most States
S&P 500 Annual Monthly Average
A S&P 500 Monthly Point to Point 87.5% of
premiums
received, less
withdrawals and
withdrawal
charges,
accumulated at
the Minimum
Guaranteed
Interest Rate.
Ultra Future
S&P 500 Annual Monthly Average
MinimumGuaranteedSurrender
Value:
$10.6 Billion in Assets
under manangement as of September 30,
2013
Current Fixed Value Rate
13 Year
15,14.75,14,13,12.25,
11.25,10.5,9.75,8.75,8,6,4
,2
NO MVA
Current Fixed Value Rate
10% Account Value, free of a
withdrawal charge, once
annually AFTER 1st Policy Year,
cumulative to a maximum
of 50%or Systematic Withdrawal of
Interest After 1st Policy Year or IRA
Qualified - RMD free of a withdrawal
chargeor Systematic Withdrawal of
Interest After 1st Policy Year or IRA
Qualified - RMD free of a withdrawal
charge
1.00%
MinimumGuaranteedSurrender
Value:
Surrender Charge
Variations in FL and TX
87.5% of
premiums
received, less
withdrawals and
withdrawal
charges,
accumulated at
the Minimum
Guaranteed
Interest Rate.
1.00%
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission
in this spreadsheet. FOR AGENT USE ONLY.
Products Current Interest Rates Effective 2/28/14 Withdrawal Provision
Surrender Charge
Minimum Guarante
Iss. Age
Commission rev. 3-11-13 Features
15 Year
19.25,18.5,17.75,16.75,1
6,15.25,14.5,13.5,12.75,12,10,8,6,
4,2
NO MVA
FIX
ED
IND
EX
AN
NU
ITY
Surrender Charge
Variations in FL,IL, MA, PA,
TX, VA, VT, WA, DE, IN, MN, NJ, UT
2.00% Premium
Bonus in PA, MA, IL, WA, MN, NJ, DE,
IN, UT
FIX
ED
IND
EX
AN
NU
ITY
S&P 500 Annual Monthly AverageUltra Classic
FullContractValue at Death!
Income
Outlook
Plus 5
Lifetime IncomeBenefit Rider
5.00% Premium
Rider Bonus
added to the
contract and
income values
and4.00%Annual Rollup
Up with a
75bps
annual fee.
Minimum Premium
Non Qualified
NQ or Qualified
0-70: 9%, 71-75: 7%, 76-80: 6%. 81-85: 3.5%
Qualified
1.00% Higher
LA Commissions
Qualified
0-70: 10%, 71-75: 8%, 76-80: 7%$2,000
QFL Only *0-64 Max unless an accediated
investor
LA Commissions
1.00% HigherTX
NQ or Qualified
S&P 500 Monthly Point to Point
Current Fixed Value Rate
PA, MA, IL, WA, MN, NJ, DE, IN, & UT Version Only
$2,000Q
Non Qualified
Qualified
The BONUS will be paid to the writing agent** for applications dated on or after February 14, 2014, and no later than April 15, 2014. *Excludes NWL Prevail Seven®, SPIA, NWL® Ultra Value, NWL® Value Assurance, NWL Future Assurance®, NWL Ultra Future® (WA, DE, IN, NJ, UT Only). **In the event the writing agent is contracted as a Special Producer receiving no compensation from NWL®, the bonus is paid to the recruiting Agent/Agency receiving the compensation.
TX
S&P 500 Monthly Point to Point
Maximum Issue Age in OH is 54 on Ultra
Future
Maximum Issue Age in OH is 56 on Ultra
Classic
Most States
Non Qualified
$5,000NQ
Page 19 National Western 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
3-Year 10,10,9%5-Year 10,10,9,9,8% 0-80
6-Year 10,10,9,9,8,8% 81-90
10,10,9,9,8,8,7,7%
10,10,9,9,8,8,7,7,6,5% 0-80B++ (Good) from
A.M. BestMulti-Year Guarantee 10-Year MVA + or - except in VT (2% for 2014
contracts) 81-903-Year 9%,8.5%,and 8%
5-Year 9,8.5,8,7.5,7 0-80
6-Year 9,8.5,8,7.5,7,6.5% 81-90
8-Year 9,8.5,8,7.5,7,6.5,6,5.5%
9,8.5,8,7.5,7,6.0,6,5.5,5,4.5% 0-80
MVA + or - except in VT (2% for 2014 contracts) 81-90
$250K or more Less Than $250K 30 Day Window prior end of term No MVA States
3-Year 2.10% 2.00% 3 YR 7% 6% 5% 0-80 1.00% 1.00%4-Year 2.35% 2.25% 4 YR 7% 6% 5% 4% 81-85 0.75% 0.75%
Indianapolis, IN 5-Year 2.90% 2.80% 5 YR 7% 6% 5% 4% 3% 86-90 0.50% 0.50%
6-Year 3.10% 3.00% No MVA States
7-Year 3.20% 3.10% 0-80 1.75% 1.50%8-Year 3.25% 3.15% 81-85 1.31% 1.15%9-Year 3.30% 3.20% 86-90 0.88% 0.75%
10-Year 3.40% 3.30% No MVA States
0-80 2.50% 2.00%81-85 1.88% 1.50%86-90 1.25% 1.00%
No MVA States
0-80 3.00% 2.50%81-85 2.25% 1.90%
MVA + or - 86-90 1.50% 1.25%
Page 20
Cumulativeinterest
beginningimmediately
Features
Certainty SelectTM
(SPDA)Death Benefit:
Upon death of first Owner, Accumulation
Value Nursing Home Waiver
(Issue Ages 0-80)
Surrender Charge Minimum Guarantee
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
$10,000NQ or Q
Minimum Premium
Iss. Age Comm.
3-Yr2.00%1.50%
5-6-8 &10-Yr
3.00%2.25%
Current Interest Rates
2.00%
EquiTrust Life Insurance Company
Des Moines IA
Products
FIX
ED
(Base Contract)
Certainty Select™
2.70%3.00%
3.15%
3.25%
8-Year
Rates Effective 8/1/13Withdrawal Provision
B+" ("Good") S&P
Qualified $5,000
Non-qualified $10,000
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate Currently 1%
B++ (Good) from A.M. Best
$7.25 Billion in assets as of
12/31/12
$12.6 Billion in assets as of
12/31/13
Guggenheim Life
and Annuity
Company
FIX
ED
Products
Certainty Select™
With Optional
Rider (not
available in IN, MN, MT, NC, OH, OR, TX, UT and
WA). 10-Year 3.25%
Interestonly 1stcontract
year,
10% ofAccountValue
years 2+.
2.00%2.70%
FIX
ED
Guggenheim Partners is a privately held global financial
services firm with more than $180 billion in assets under
management. They are the Ultimate Parent of Guggenheim Life
and Annuity Company, EquiTrust Life Insurance Company,
and Security Benefit Life Insurance Company.
5-6-7-8-9 year Most States
7 YR 7% 6% 5% 4% 3% 2% 1%
Rates Effective 4/1/2014
3.00%
9 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%
$10,000NQ or Q
3-Yr
2.00%
1.50%
Iss. Age
Minimum Guarantee
3.15%
Current Interest Rates
Click here to learn
more about
Guggenheim Partners
Parent of Guggenheim
Life and Annuity
Company
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to
performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY
3 year Most States
8 YR 7% 6% 5% 4% 3% 2% 1% 1%
6 YR 7% 6% 5% 4% 3% 2%
Preserve MYGA
No MVA StatesDE, MO, OR, PA & WA
This states have same interest rates as the standard version but
No Market Value Adjustment.These states do have a slightly reduced commission than the
standard version.
Full account value at death.
Surrender Charges
waived. No MVA applied.
10 year Most States10 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%
0.75%
4 year Most States
10% Annually starting year 2
Monthly interest as earned or
automatic RMD for qualified
plans starting year 2
(With Optional Rider)and (Original)
Death Benefit the choice of:
Cash Surrender Valueimmediately
or Accumulation Valueapplied to a PaymentOption for at least a
5-year period.AND
Nursing Home Waiver(Issue Ages 0-80)
5-6-8 &10-Yr
3.00%
2.25%
Withdrawal Provision Surrender Charge Comm.Minimum
Premium Features
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
EquiTrust/Guggenheim 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
3 Years8, 7, 6%
+/- MVA 1st 3 Yrs 0-80 2.00%(No MVA-PA) 81-90 1.00%
5 Years(LBL) 8, 7, 6, 5, 4%
over $1.03 Billion +/- MVA 1st 5 Yrs 0-80 3.25%in Assets (No MVA-PA) 81-90 1.50%
5 Years8, 7, 6, 5.5, 4.5%+/- MVA 1st 5 Yrs 0-80 2.00%
B (No MVA-PA) 81-90 0.40%5 Years
Stable outlook 1st Year Years 2-5 8.1, 7.3, 6.4, 5.5, 4.5%3.70% 2.70% +/- MVA 1st 5 Yrs 0-80 2.00%
(No MVA-PA) 81-90 0.40%7 Years
0-80 2.15%Ages 0-55: 81-85 0.40%
12, 11, 10, 8, 6, 5, 4%+/- MVA 1st 7 Yrs
(No MVA-PA)
0-90 2.25%
0-80 2.25%
5 year 0 - 80 2.25%9%, 8%, 7%, 6%, 5% 1.50% 81-85 1.25%
then 0%
B A.M. Best NO MVAStable outlook
Founded in 1973
Plus monthly production bonuses up to 0.75%! Call
us for the details!
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index
Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
Bankers Life Insurance Company
St. Petersburg, FL
24 Hour Application Processing! Commissions Paid Daily!
$2500 qualified or
non-qualified
5 Year Tax Deferred AnnuitySPDA-5
Full Accumulation Value death benefit
10% FREE withdrawals after the
first year, without a withdrawal charge.
Systematic monthly interest
income is available after 30 days
NO 30 DAY WINDOW
FIX
ED
AN
NU
ITY
3.05% Guaranteed for 5
Years
3.30% Guaranteed for 5
Years with 1% Commission
reduction 0-80 & 50 bps 81-85. Call us
for details.
Products
Commissions
will not
be paid until policy
receipt is received
at home office
NURSING CARE WAIVER
FeaturesComm. Rev. 3-1-14
Minimum Guarantee
Minimum Premium Iss. AgeCurrent Interest Rates Effective
3/1/14 to 4/30/14Withdrawal Provision Surrender Charge
Bankers Elite 5
Founded in 1958!
FIX
ED
None during surrender charge period; thereafter,
100% liquid
FIX
ED
Guaranteed 5 years
Bankers 7 Premier
3.05%
as of 12/31/13
A.M. Best
FIX
ED
FIX
ED
FIX
ED
LIBERTY BANKERS LIFE
Bankers 5 Premier
5 Years7.9, 7.0, 6.2, 5.3, 4.4, 0%
+/- MVA 1st 5 Yrs(No MVA in PA & MO)
Monthly Interest
Only After 30 Days
3.10%
100%All Accrued
Interest Twiceper year
Monthly InterestOnly After 30 Days
1.00%
Guaranteed 7 years
2.90%
Bankers Premier
Plus
Guaranteed 5 years
Surrender Value. Surviving spouses may elect to continue the policy as their own and avoid surrender charges. Non-
spousal beneficiaries may reduce or avoid charges by deferring payment or
taking a periodic income.
Full Contract Value at Death
Bankers 5
Bankers 3
Bankers Elite 5
Bankers 7 PremierFull Contract Value
at Death
NOCommission
Chargebacks!
NursingHomeWaiver
andDisabilityWaiver
Max issue age is 80 in FL
Bankers Premier
Bankers Premier Plus
$10,000
Ages 56+:8, 7, 6, 5, 4.5, 3.5, 2.5%
$10,000
1.00%
1.00%
$10,000
$10,000
$10,000
1.00%
1.00%
FeaturesIss. Age Comm.Minimum Guarantee
Minimum PremiumProducts Withdrawal
Provision
Current Interest RatesSurrender ChargeEffective 4/1/2014
1.65%Bankers 3
Bankers 5
FIX
ED
2.60%
0-80
0-80
Page 21Liberty Bankers- Bankers Life 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
5 Year
0-80 2.50% MVA + or - 81-90 1.25%
B A.M. Best
Stable outlook Rider Interest Rate Reduction Accumulated Interest Withdrawal -0.05%
Required Minimum Distribution -0.08%
Preferred 10% Free Withdrawal -0.08%
Terminal Illness/Nursing Home Care -0.10%
72 (t) Free Withdrawal -0.05%
Death Benefit -0.35%
Bankers Life Insurance Company
Interest Rate Reductions for Optional Riders
Founded in 1973
The accumulated interest may be withdrawn without any withdrawal charges or MVA being
applied. Interest withdrawals will be available starting at year two.
3.25% Guaranteed
for 5 years with
5 year Surrender!
Upon the death of the Owner, the death benefit will be equal to the account
value after the MVA. Any withdrawal charges will be waived. If clients do
not elect this rider the death benefit is equal to the cash surrender value
lump sum or account value (after the MVA is applied) if Beneficary takes
death proceeds over 5 year period in equal installments.
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
3.25%
Guaranteed
for 5 years
with 5 year
Surrender!
Beginning in the second policy year, any withdrawal charges and MVA will be waived for the
first withdrawal in a policy year of an amount up 10% of the account value as of the last policy
anniversary.
FIX
ED
AN
NU
ITY
SPDA SELECTSelect
only the
features
your
clients
want!
1.00%
Any withdrawal charges and MVA will be waived for the amount which would comply with substantially equal
periodic payment requirement to avoid tax penalty for policyholders younger than age 59 1/2, as required by
IRS Code 72(t).
After the first policy year, the withdrawal charge on withdrawals up to 50% of the Cash Surrender Value
($1,000 minimum) is waived upon the occurrence of one of the following events for the
Owner:
(a) Terminal illness (life expectancy of 12 months or less).
(b) Heart attack, stroke, or life threatening cancer.
(c) Nursing home confinement.
5 year 3.25% Guaranteed yrs 1-5
Refer to the SPDA Select Key
Features Flyer for Details.
Click here to view the flyer
Current State Approvals as of April
1st 2014:Approved States: AK,
AL, AR, CO, GA, HI, ID, IL, IN, KS, KY, LA, NC, NE, NV, NM, MD, MI,
MN, MO, MS, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV, WY.
After the first policy yearIf a request for the RMD, as calculated under the Internal Revenue Code, has
been made, then any withdrawal charges and MVA will be waived for the amount equal to the RMD, if
the policy was issued in connection with certain IRAs or other tax qualified plans.
$10,000 Qualified or
Non-Qualified;
over $500K will require
homeoffice
approval
Minimum Premium Iss. Age Comm. Features
Interest Rate Term Guaranteed Rate SPDA SELECT 9%,8%,7%,6%,5%
45 Day Rate Lock!
Products Current Interest Rates Effective 12-2-13 Surrender Charge Minimum Guarantee
Page 22Bankers Life 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
5 Year0-86: 9%,8%,7%,6%,5%
89: 9% 5% 5% 5% 5% 4% 0-80 2.25%90: 5% 5% 5% 5% 4% 81-90 1.50%
7 Year0-86: 9% 8% 7% 6% 5% 5% 5%
87: 9% 8% 7% 5% 5% 5% 5%
88: 9% 8% 5% 5% 5% 5% 4% 0-80 2.25%89: 9% 5% 5% 5% 5% 4% 3% 81-90 1.50%
10 Year0-84: 9% 8% 7% 6% 5% 5% 5% 5%
5% 5%Rider Interest Rate Reduction 85: 9% 8% 7% 6% 5% 5% 5% 5% 5% 4% 0-80 2.75%
Accumulated Interest Withdrawal -0.08% 86: 9% 8% 7% 6% 5% 5% 5% 5% 4% 3% 81-90 2.00%87: 9% 8% 7% 5% 5% 5% 5% 4% 3% 2%
88: 9% 8% 5% 5% 5% 5% 4% 3% 2% 1%
Required Minimum Distribution -0.16% 89: 9% 5% 5% 5% 5% 4% 3% 2% 1%, 0%
90: 5% 5% 5% 5% 4% 3% 2% 1%, 0%,0%
Preferred 10% Free Withdrawal -0.08% MVA Applies for rate guarantee term
Surrender Charges are based
on attained age.
Terminal Illness/Nursing Home Care -0.15%
72 (t) Free Withdrawal -0.05% Click here to view FL Agent Quick Sheet
Click here to view MN Agent Quick Sheet
Death Benefit = Account Value -0.35% Click here to view OK Agent Quick Sheet
Click here to view UT Agent Quick Sheet
Click here to view TX Agent Quick SheetClick here to view OR Agent Quick Sheet
Click here to view PA Agent Quick Sheet
Click here to view CA Agent Quick Sheet
This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without
Surrender Charge or Market Value Adjustment applied.
45 Day Rate
Lock! Based on
app signed
date.
This rider allows you to access some or all of your funds under certain conditions if you are
diagnosed with a terminal illness or confined to a nursing home.
For contract owners younger than 59 ½ years of age, this rider allows for withdrawal of Substantially Equal
Periodic Payments under IRS Code 72t without Surrender Charge or Market Value Adjustment Applied.
"Build Your Own Product" The Sentinel Personal Choice Annuity is both a single premium deferred annuity and a flexible wealth accumulation vehicle. It gives you the opportunity to maximize credited interest rate at the beginning of each Rate Guarantee Period by declining optional rider features that you may not need. Most products are
loaded down with features that many clients don't want and never use. By declining all the riders except those your clients will actually use they get the maximum credited rate possible and the features they want. You can full customize this product to your client specific needs thus maximizing the value for your client.
This rider allows you to withdraw in a contract year, without Surrender Charge or Market Value
Adjustment applied to your first withdrawal, up to 10% of your Contract Value (on a non-cumulative
basis) or your Required Minimum Distribution. You will not be entitled to a 10% free withdrawal on
full surrenders. Ater the 1st yr
3.00%
Guaranteed
for 5 years
with 5 year
Surrender! This rider ensures that upon the death of the Annuitant, the death benefit paid will
be equal to the Total Contract Value, and any Withdrawal, Surrender Charge, or
Market Value Adjustment will be waived. If clients do not elect this rider the death
benefit is equal to the cash surrender value lump sum or Accumulation value if
Beneficary takes death proceeds over 5 year period in equal installments.
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to
performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
1.00%3.50% Guaranteed yrs 1-10
7 year
10 year
Sentinel Plan™
Personal Choice
Annuity™An a la
carte
solution
for a
custom
annuity
FeaturesMinimum Premium Iss. Age Comm.
Personal Choice 5
No Agent
Commission
Chargeback at
Death Ages 0-
79!
$ 2,500 Qualified or
Non-Qualified; over $1
million will require homeoffice
approval Personal Choice 10
Personal Choice 7
3.50% Guaranteed
for 10 years with 10 year Surrender!
Products Surrender Charge Minimum Guarantee
3.00% Guaranteed
for 5 years with
5 year Surrender!
Current Interest Rates Effective 12-1-13
Refer to the Agent Quick Sheet for Details. Click here to view the Standard Agent Quick Sheet
State Specific Instructions/Exclusions:Florida– Death Benefit Equals Account Value Contract Rider is included on all contracts at a 10 bps rider cost. Terminal Illness Rider not available California – Terminal Illness Rider not available. Oklahoma – issue ages limited to 80, maturity date age 90. Minnesota– Rates are 30-50 bps less, Doesn't have an MVA. Has different Surrender charges Oklahoma – issue ages limited to 80, maturity date age 90 Pennsylvania – Terminal Illness Rider not available. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90Current State Approvals as of March 3rd 2014:Approved States: AR, AZ, CO, CA, GA, FL, HI, ID, IA, IL, KS, MN, MT, NE, NV, NM, NC, ND, OK, OR, PA, SD, TX, UT, WYState Variations in CA, FL, MN, NV, OK, OR, PA, TX, & UT
FIX
ED
AN
NU
ITY
Guaranteed Rate
5 year
Interest Rate Term
Salt Lake City, UT
90: 5% 5% 5% 5% 4% 3% 2%
3.30% Guaranteed yrs 1-7
Sentinel Security Life
Insurance Company
A.M. Best
B++
Founded in 1957!
This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without
Surrender Charge or Market Value Adjustment applied. Available after 30 days!
Interest Rate Reductions for Optional Riders
3.00% Guaranteed yrs 1-5
Page 23Sentinel Security Life 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
0-75 3.00%Des Moines, IA 76-80 2.10%
Excellent
A.M. Best
less than
$200K
3-YEAR4-YEAR 1.05%
5-YEAR 2.05%
6-YEAR 2.00%
8-YEAR 2.60%
9-YEAR 2.80%10-YEAR 3.00%
A- 6 Years
9, 8, 7, 6, 5, 4% + or -
mva
By current
company Practice
Interest Only. Systematic
W/D & RMD Immediately.
7 Year Non MVA Version
Minimum Guarantee
Minimum Guaranteed Interest:
Currently 1.00%
MGIR is set at issue, guaranteed for life of the contract and is based on the 2 month average of
the 5 Year Constant Maturity Treasury Rate in
October
9, 8, 7, 6, 5% + or - mva
5 Years
Rates Effective 3/6/2014Withdrawal Provision Surrender Charge Minimum
GuaranteeCurrent Interest Rates
Withdrawal Provision Surrender ChargeProducts
Current Interest RatesRates Effective 4/10/2014
Full Value at Death
Iss. Age
Minimum Premium
1.25% 86-90
Rate Guar Term
5 Year
7 Years
9, 8, 7, 6, 5%, 4% 3% +
or - mva
5 Year Non MVA Version
High Band
$200K+
1.35%
FeaturesCommissions
7 Year 10%, 10%,10% 10%,10%,9%,8%
8 Year 10%, 10%,10%
10%,10%,9%,8%,6%
2.70% Guaranteed for 7 yrs
CA only2.20% Guaranteed for 7 yrs
Guarantee Series ICC13 MYGA
6 Year2.45% Guaranteed for 6 yrs
6yr term NOT available In CA
Guarantee Series
SPDA-MYGA in DE &
CA
Minimum Premium FeaturesIss.
AgeComm. Rev
2-3-14
$10,000 Q or NQ
FullContractValue at Death
FIXE
D
2.55%
2.80%
Founded in 1886 as North
American Accident Association
“A+” (Strong) by Standard &
Poor’s.
Not accepting new sales.
North American Guarantee Choice® 7-YEAR
Low Band
2.25% Guaranteed for 5 yrs
7 Year
1.75% Guaranteed for 5 yrsCA only
2.35%
2.25%
A state specific version called the North American Guarantee Choice®II is now approved in AK, MN, MO, NV, OH, OR, UT,
VA, and WA. Interest rates are slightly lower than the North American Guarantee Choice®. (5-10 BPS Lower)
3.00%3.20%
FIXE
D
$31.4 Billion in Assets under
manangement as of September 30, 2013
Products
$13 billion in assets as
of December 31, 2012
A+ (Superior) by
A.M. Best
1.68% 81-85
Current year interest
withdrawals available after
30 days without any surrender charges or
interest adjustment.
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance,
guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
1.125% 86-90
1.25% 81-85Commissions in CT,
FL, IL, TX
0-90 0-85 Max
Age in IN/OK
Commissions in most states
Commissions in IN & OK
2.50% 0-751.88% 76-80
2.50% 0-801.88% 81-85
2.25% 0-80
9 Year 10%, 10%,10%
10%,10%,9%,8%,6%,4%
10 Year 10%, 10%,10%
10%,10%,9%,8%,6%,4%, 2%
$10,000 non-
qualified and $2,000 qualified.
1.00% MINIMUM GUARANTEED
CONTRACT VALUE (MGCV) The MGCV
equals 100% of the premiums, less any
withdrawals (before any Interest
Adjustment or surrender charges),
accumulated at the MGCV Interest Rate,
less
surrender charges (as calculated in the
contract). The MGCV Interest Rate is
based
on the issue date of the contract and is
guaranteed for the entire term of the
contract.
MVA + or -
3 Year 10%, 10%,10%
4 Year 10%, 10%,10%, 10%
5 Year 10%, 10%,10% 10%,10%
6 Year 10%, 10%,10% 10%,10%,9%
2.25%
Page 24 American Equity-North American 4/1/2014
888.661.1999April Spreadsheet http://annuity1.com
3 Years8, 7, 6%
NO MVA ! 1.50%1.00%
5 Years8.5, 7.5, 7, 6, 4% 0-75 2.00%
NO MVA ! 76-85 1.70%in Assets 0-75 1.75%
76-85 1.45%6 Years
8.5, 7.5, 7, 6, 5, 4.5%
NO MVA ! 0-75 2.75%76-85 1.45%
Excellent A.M. Best
5.00%NO MVA !
Premium Bonus
Current Rate
Min Guaranteed
RateFree Withdrawals 9 Years1
12,11,10,9,8,7,6,4,2%
(Base Contract) No MVA
9 Years1
12,11,10,9,8,7,6,4,2%
(MVA Option) MVA + or -
6 Years2 4.13%12,11,10,9,8,7%
(Liquidity Option) No MVA
6 Years2
12,11,10,9,8,7%
MVA + or -
Death Benefit:Upon death of
Owner,Accumulation
Value ----------------
Nursing Home Waiver
Available through issue
age 80
81-85
0-80 5.50%
Commission is the same regardless of which option is sold.
1.50%
N/A
Current Interest Rates Withdrawal Provision
Surrender ChargeEffective 7/17/13
Minimum Guaranteed Rate: 2.00%
3.73% Guaranteed 1st yr Yield
2.00%
2.00%
4.29% Guaranteed 1st yr Yield
Commission Features
$10,000NQ or Q 0-85
Minimum Guaranteed
Contract Value 100% of premium
minus withdrawals, accumulated
at the Minimum
Guaranteed Contract Rate
$300,000 Max Premium without Home Office
Approval
Minimum Premium
Current Interest Rates
Effective 4/1/2014
Choice 3 SPDA
FormSeries 1021
$100K or more Less Than $100K
1.30% 1.15% 1.00%30 day window at the end
of the 3 yr term
Minimum Premium Issue. AgeProducts
$12.6 Billion in assets as of
12/31/13
EquiTrust Life Insurance Company
Des Moines IA
N/A
B++ (Good) from A.M. Best
ChoiceFour™
Prior 12 months interest
Prior 12 months interest
Interest only 1st contract year,** 10%
of Account Value years 2+.
Interest only 1st contract year,** 10%
of Account Value years 2+.
ChoiceFour™ FIX
ED
2.42% Min. Guaranteed 6 yr Yield
1.50%
2.70%
2.75%
2.20%
2.20%
2.00%
2.00%
(Liquidity & MVA Option)
ChoiceFour™
ChoiceFour™
over $831 Million
FIX
ED
2.70% Guaranteed yrs 1-5
A -
$5,000 as of 12/30/12
FIX
ED Choice 5
SPDAFormSeries 1022
$5K to
$19.9K
Choice 6
10-year:10, 9, 8, 7, 6, 5,
4, 3, 2, 12.25%
10% of the accumulation
value in a certificate
year
1.00%
Accumulated Interest 1.00% $300,000 Max Premium
without Home Office Approval
Choice 6 SPDA
FormSeries 1022
Accumulated Interest
$100K or more
Founded in 1895!
FIX
ED
SteadyChoice II
FPDA
Products Withdrawal Provision
Accumulated Interest
Royal Neighbors of America
FIX
ED
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index
Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY 1 Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%,
6%, 4%, 2%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0%) 2 Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 0%)
Issue. Age Features
Add'l Premiums yrs 2-10
2.25%
$20K+
Owner:16-99 non-qualified 16-85 Roth &Traditional IRA* 21-85 SEP IRA* Annuitant:0-85 non qualified
$20,000 - $99,999
Less Than $20K
Minimum Guaranteed
Rate
1.00%
2.85%
$100/month (if PAC),
or $1,200/year
Max.
$25,000/year
Surrender Charge
Minimum Guarantee
2.80% 2.20%
Minimum Guarantee
Commission
$50,000
$300,000 Max Premium without
Home Office Approval
$10,000
Full Contract Value at Death
Surrender Charges
waived for nursing home
and hospital confinement
of owner, terminal
condition where
the owner in not
expected to live more
than 12 months
Owner:
16-75 non-qualified
16-75 Roth &Traditional
IRA*
21-75 SEP IRA*
Annuitant:0-99 non qualified
Maximum issue age is
59 in IA, MN and OH
Choice 3 0-75
76-85
Choice 5
$100K+
$10K to
$99.9K
SteadyChoice
0-75
0-85 1.45%
Page 25 Royal Neighbors- Equitrust 4/1/2014