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Company Product/Term Account Options Income Rider Free Withdrawls Commission*
Great American

Forms
Landmark 5

5 years

Flex 1st 60 days
Different rates in AK,CA,PA,UT&VA (no MVA)
Fixed Account 2.85%
Fixed Account $100k+ 3.00%
Ann P2P S&P Risk Cntrl Par Rate 65%
Ann P2P S&P Risk Cntrl Par Rt $100k+ 70%
Ann P2P S&P Cap 6.05%
Annual P2P S&P Cap $100k+ 6.30%
S&P US Retiree Index Par Rt 70%
S&P US Retiree Indx Par Rt $100k+ 75%
iShares US Real Est Cap 7.00%
iShares US Real Est Cap $100k+ 7.25%
N/A 10% Starting in 1st Year
3.75% 0-75
2.75% 76-85
1.75% 86-89
Lincoln Financial

Forms
OptiBlend 5

5 years

Flexible Premium
PREMIUM BONUS
Fixed Account 2.80%
Fixed Account $100k+ 3.25%
Performance-Triggered Rate 4.20%
Performance-Triggered Rate $100k+ 4.70%
S&P Ann P2P with Cap 5.75%
S&P Ann P2P with Cap $100k+ 6.75%
Ann P2P Vol Cntrl Spread (no cap) 0.90
Ann P2P Vol Cntrl Spread $100k+ 0.70
N/A 10% Starting in 1st Year
2.70% 0-74
2.20% 75-79
1.20% 80-84
0.50% 85
Standard Insurance

Forms
Index Select 5

5 years

Single Premium
Fixed Account 2.00%
S&P Annual Point-to-Point Cap 5.25%
S&P Annual P2P Cap $100k+ 5.50%
S&P Ann P2P with Par Rate (no cap) 50%
S&P Ann P2P with Par Rate $100k 52%
N/A 10% after 1st year
3.00% 0-80
1.50% 81-85
1.35% 86-90
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American Equity

Forms
Choice 6

6 years

Flexible Premium
Fixed Account 1.90% (2.00% MVA)
S&P Ann P2P with Par Rt 42% (47% MVA)
S&P Ann P2P with Cap 4.75% (5.00% MVA)
S&P Monthly Sum Cap 1.50% (1.60% MVA)
S&P Div Arist daily rsk cntrl spread 1.75 (1.50 MVA)
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider 10% after 1st year
4.00% 18-75
3.00% 76-80
2.00% 81-85
Lincoln Financial

Forms
New Directions 6

6 years

Single Premium
Fixed Account 2.95%
Fixed Account $100k+ 3.20%
Performance-Triggered Rate 4.20%
Performance-Triggered Rate $100k+ 4.70%
2-Yr P2P Cap 12.00%
2-Yr P2P Cap $100k+ 14.00%
N/A 10% Starting in 1st Year
3.50% 0-75
2.75% 76-80
1.75% 81-85
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American General

Forms
Power 7 Protector

7 years

Fixed Account 2.20%
Fixed Account $100k+ 2.20%
S&P Annual P2P Cap 5.00%
S&P Annual P2P Cap $100k+ 6.25%
MLSB Annual P2P Spread 1.95
MLSB Ann P2P Spread $100k+ 1.00
MLSB 2-Yr P2P Spread 1.60
MLSB 2-Yr P2P Spread $100k+ 0.00
N/A 10% after 1st year
4.00% 0-80
Ages 81-85 2.00% + 0.25% trail
American General

Forms
Power 7 Protector Plus Income

7 years

Fixed Account 2.00%
Fixed Account $100k+ 2.00%
S&P Annual P2P Cap 3.50%
S&P Annual P2P Cap $100k+ 4.25%
MLSB Annual P2P Spread 2.60
MLSB Ann P2P Spread $100k+ 1.80
MLSB 2-Yr P2P Spread 3.20
MLSB 2-Yr P2P Spread $100k+ 1.70
7.50% simple for 10 yrs. 200% step-up year 10.
(95 bp cost)
10% after 1st year
4.00% 0-80
American National

Forms
Strategy Index Plus 7

7 years

Premium Enhancement 1.00%
Fixed Account 2.65%
S&P Performance Trigger Rate 3.90%
1-Yr Monthly Sum 1.45%
1-Yr S&P P2P 100% Par Rate Cap 4.35%
1-Yr S&P P2P 50% Par Rate Cap 5.00%
1) 7.20% compound roll-up for 10 years (90 bp cost) or 2) 4.20% + index credit for 10 yrs (60 bp cost) 10% Starting in 1st Year
5.00% 0-75
4.00% 76-80
Trail option
Company A

Forms
Core Income 7

7 years

Addt'l prem yr 1 only
PREMIUM BONUS
Fixed Account 2.80%
S&P Ann P2P Cap 5.50%
Nasdaq-100 Ann P2P Cap 5.50%
Russell 2000 Ann P2P Cap 5.50%
Blmbrg US Dyn Bal Idx II Cap 7.25%
Bloomberg US Dyn Bal Idx II Sprd 0.75
Account value = income base. Level or increasing income options. (105 bp cost). 10% of premiums paid after 1 year
5.50% 0-75
4.00% 76-80

E-app comp special
F&G Life

Forms
Prosperity Elite 7

7 years

Flexible Premium
BONUS 3% (1.50% 76+) Enhandemt Pkg
BONUS 5% (3.50% 76+) Protection Pkg
BONUS Different in Lite states
Death Benefit & Impairment Options
Fixed Account 1.50%
S&P Annual P2P Cap 5.50%
S&P Monthly Avg Cap 6.50%
S&P Monthly Sum Cap 2.10%
Gold Comm 1-Yr P2P Cap 5.50%
Perform Triggered Rate 4.50%
2-yr P2P Barclays Trailblazer Par Rt 125%
6.00% compounded for 10 yrs. Restart feature for up to 20 yrs. 4% DB rollup(1.30% cost) 10% after 1st year
4.50% 0-75
2.50% 76-80
2.00% 81-85
Different in some states
Great American

Forms
Legend 7

7 years

Flexible Premium
Different rates in AK,CA,PA,UT&VA (no MVA)
Fixed Account 2.90%
Fixed Account $100k+ 3.00%
Ann P2P S&P Risk Cntrl Par Rate 65%
Ann P2P S&P Risk Cntrl Par Rt $100k+ 70%
Ann P2P Gold Index Cap 7.00%
Ann P2P Gold Index Cap $100k+ 7.25%
Ann P2P S&P Cap 6.15%
Annual P2P S&P Cap $100k+ 6.40%
Monthly Sum S&P Cap 2.30%
Monthly Sum S&P Cap $100k+ 2.50%
S&P US Retiree Index Par Rt 70%
S&P US Retiree Indx Par Rt $100k+ 75%
iShares US Real Est Cap 7.75%
iShares US Real Est Cap $100k+ 8.25%
7% simple growth for 10 years (0.95) 10% Starting in 1st Year
4.75% 0-75
2.75% 76-85
Trail options
Guggenheim Life

Forms
Highlander 7

7 years

Fixed Account 3.00%
S&P 500 Cap 5.50%
S&P 500 Ann P2P Participation Rt 55%
S&P MARC 5% ER Par Rate 120%
N/A 10% after 1st year
5.00% 0-75
4.00% 76-80
trail options
Lafayette Life

Forms
Marquis SP 7

7 years

Single Premium
Fixed Account 3.00%
S&P Ann P2P with Cap 5.25%
S&P Monthly Avg with Cap 4.50%
1-Yr Gldman Sachs Mom Bldr Par Rate 100%
2-Yr Gldman Sachs Mom Bldr Par Rt 125%
3-Yr Gldman Sachs Mom Bldr Par Rt 150%
1-Yr JP Morgan P2P Par Rate 67%
2-Yr JP Morgan P2P Par Rate 100%
3-Yr JP Morgan P2P Par Rate 115%
10-year roll-up varies by issue age: (45 to 60 - 7.00%) (61 to 74 - 8.00%) (75 to 85 - 9.00%) simple interest - 0.95% 10% after 1st year
4.50% 18-75
3.50% 76-85
Lincoln Financial

Forms
OptiBlend 7

7 years

Flexible Premium
Fixed Account 2.40%
Fixed Account $100k+ 2.50%
Performance-Triggered Rate 4.10%
Performance-Triggered Rate $100k+ 4.20%
S&P Ann P2P with Cap 4.75%
S&P Ann P2P with Cap $100k+ 6.00%
Ann P2P Vol Cntrl Spread (no cap) 1.75
Ann P2P Vol Cntrl Spread $100k+ 1.25
5% compound for 10 years or to age 85 (earlier) - 0.95% 10% Starting in 1st Year
4.50% 0-74
3.00% 75-79
2.00% 80-84
0.75% 85
North American

Forms
Income Choice 7

7 years

Flexible Premium
Fixed Account 2.00%
Fixed Account $250k+ 2.15%
S&P Annual Cap 4.40%
S&P Annual Cap $250k+ 4.75%
S&P Monthly Sum Cap 1.75%
S&P Mo Sum Cap $250k+ 1.80%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 3.10
S&P LV-DR Cntrl Sprd 5% $250k+ 2.75
S&P LV-DR Cntrl 2-yr Sprd 8% 4.10
S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 3.75
S&P Ann P2P with Par Rate 33%
S&P Ann P2P with Par Rate $250k+ 35%
S&P Low Vol Ann P2P Threshold Par Strgy 30% Par - 6% Thresh - 115% Enhance
S&P Low Vol Ann P2P Thresh Par Strgy $250k+ 30% Par - 5.50% Thresh - 115% Enhance
5% bonus on benefit base. Grows at 2% + 150% index credit stack up to 20 yrs. Level or increasing income options. No cost rider. 5% after 1st year.
5.00% 0-75
3.75% 76-79
2.50% 80-85
Standard Insurance

Forms
Index Select 7

7 years

Single Premium
Fixed Account 2.00%
S&P Annual Point-to-Point Cap 5.75%
S&P Annual P2P Cap $100k+ 6.00%
S&P Ann P2P with Par Rate (no cap) 51%
S&P Ann P2P with Par Rate $100k 53%
N/A 10% after 1st year
4.00% 0-80
2.00% 81-85
1.45% 86-90
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American Equity

Forms
Choice 8

8 years

Flexible Premium
Fixed Account 2.00% (2.10% MVA)
S&P Ann P2P with Par Rt 47% (52% MVA)
S&P Ann P2P with Cap 5.00% (5.25% MVA)
S&P Monthly Sum Cap 1.60% (1.70% MVA)
S&P Div Arist daily rsk cntrl spread 1.50 (1.25 MVA)
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider 10% after 1st year
5.00% 18-75
3.75% 76-80
2.50% 81-85
Lincoln Financial

Forms
New Directions 8

8 years

Single Premium
Fixed Account 2.50%
Fixed Account $100k+ 2.65%
Performance-Triggered Rate 4.00%
Performance-Triggered Rate $100k+ 4.55%
2-Yr P2P Cap 10.25%
2-Yr P2P Cap $100k+ 12.25%
5% compound growth for 10 years or to age 85 (earlier of two) 0.95% cost 10% Starting in 1st Year
4.50% 0-75
3.50% 76-80
2.25% 81-85
North American

Forms
Performance Choice 8

8 years

Fixed Account 2.90%
S&P Annual Cap 5.50%
S&P Monthly Sum Cap 2.00%
S&P IPT Declared Rate 7.35%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.80
DIJA Annual Cap 4.75%
S&P Midcap 400 Annual Cap 4.55%
Russell 2000 Annual Cap 4.80%
Nasdaq 100 Annual Cap 4.80%
Nasdaq 100 Monthly Sum Cap 1.80%
Euro Stoxx 50 Annual Cap 8.10%
Hang Seng Annual Cap 6.75%
S&P Low Vol Ann P2P Threshold Par Strgy 35% Par - 4.50% Thresh - 120% Enhance
S&P MARC 5% ER spread 0.00%
6.00% for 10 years (1.05% cost)

5.75% in PA
10% after 1st year
5.00% 0-75
3.75% 76-79
2.50% 80-85
lower in SC,TX,UT
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
Standard Insurance

Forms
Index Select 10

9 years

Single Premium
Fixed Account 2.00%
S&P Annual Point-to-Point Cap 6.00%
S&P Annual P2P Cap $100k+ 6.25%
S&P Ann P2P with Par Rate (no cap) 52%
S&P Ann P2P with Par Rate $100k 54%
N/A 10% after 1st year
5.00% 0-80
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American Equity

Forms
Choice 10

10 years

Flexible Premium
Fixed Account 2.10% (2.20% MVA)
S&P Ann P2P with Par Rt 49% (54% MVA)
S&P Ann P2P with Cap 5.00% (5.50% MVA)
S&P Monthly Sum Cap 1.70% (1.80% MVA)
S&P Div Arist daily rsk cntrl spread 1.25
(1) 6% comp for 7 (+7) years or (2) index credit x multiplier (0.90% cost) Add 10 bps for well-being rider 10% after 1st year
6.00% 18-75
4.50% 76-80
American General

Forms
Power 10 Protector

10 years

Fixed Account 2.25%
Fixed Account $100k+ 2.25%
S&P Annual P2P Cap 5.05%
S&P Annual P2P Cap $100k+ 6.30%
MLSB Annual P2P Spread 1.85
MLSB Ann P2P Spread $100k+ 0.95
MLSB 2-Yr P2P Spread 1.50
MLSB 2-Yr P2P Spread $100k+ 0.00
N/A 10% after 1st year
7.00% 0-70
5.00% 71-75
Trail options
American General

Forms
Power 10 Protector Plus Income

10 years

Fixed Account 2.00%
Fixed Account $100k+ 2.00%
S&P Annual P2P Cap 3.50%
S&P Annual P2P Cap $100k+ 4.25%
MLSB Annual P2P Spread 2.45
MLSB Ann P2P Spread $100k+ 1.75
MLSB 2-Yr P2P Spread 2.90
MLSB 2-Yr P2P Spread $100k+ 1.50
7.50% simple for 10 yrs. 200% step-up year 10.
(95 bp cost)
10% after 1st year
7.00% 0-70
5.00% 71-75
Trail options
American National

Forms
Strategy Index Plus 10

10 years

Premium Enhancement 1.00%
Fixed Account 2.80%
S&P Performance Trigger Rate 4.15%
1-Yr Monthly Sum 1.55%
1-Yr S&P P2P 100% Par Rate Cap 4.70%
1-Yr S&P P2P 50% Par Rate Cap 6.00%
1) 7.20% compound roll-up for 10 years (90 bp cost) or 2) 4.20% + index credit for 10 yrs (60 bp cost) 10% Starting in 1st Year
7.00% 0-75
5.50% 76-80
Trail option
Company A

Forms
360

10 years

Addt'l prem yr 1 only
25% Interest Bonus prior to income trigger
Fixed Account 2.60%
S&P Ann P2P Cap 4.25%
Nasdaq-100 Ann P2P Cap 4.25%
Blended Ann P2P Cap 5.00%
Russell 2000 Ann P2P Cap 4.25%
Blmbrg US Dyn Bal Idx II Cap 5.35%
Bloomberg US Dyn Bal Idx II Sprd 1.85
Blmbrg US Dyn Bal ER Par Rate 105%
PIMCO Tact Bal Ann P2P Cap 5.15%
PIMCO Tact Bal Spread 1.85
PIMCO Tact Bal ER Par Rate 105%
S&P Monthly Sum Cap 1.80%
Nasdaq-100 Monthly Sum Cap 1.90%
Russell 2000 Monthly Sum Cap 2.20%
BlackRock iBLD Claria Cap 5.00%
BlackRock iBLD Claria spread 1.70
BlackRock iBLD Claria ER Par Rt 110%
Income base grows at 125% of index performance. Level or increasing income option. (1.20% cost) 10% of premiums paid after 1 year
6.50% 0-75
4.50% 76-80

E-app comp special
Company A

Forms
222

10 years

Addt'l prem yr 1 only
Fixed Account 1.90%
S&P Ann P2P Cap 3.25%
Nasdaq-100 Ann P2P Cap 3.25%
Russell 2000 Ann P2P Cap 3.25%
Blmbrg US Dyn Bal Idx II Cap 3.50%
Bloomberg US Dyn Bal Idx II Sprd 3.10
Blmbrg US Dyn Bal ER Par Rate 80%
PIMCO Tact Bal Spread 3.10
PIMCO Tact Bal Ann P2P Cap 3.40%
PIMCO Tact Bal ER Par Rate 80%
S&P Monthly Sum Cap 1.30%
Nasdaq-100 Monthly Sum Cap 1.50%
Russell 2000 Monthly Sum Cap 1.60%
BlackRock iBLD Claria Cap 3.15%
BlackRock iBLD Claria spread 2.85
BlackRock iBLD Claria ER Par Rt 85%
22% bonus on income base. Accumulates at 150% of index performance. 10-yr wait before income can start. Income grows at 150% of index performance. (No rider cost - built in) 10% of premiums paid after 1 year
6.50% 0-75
4.50% 76-80

E-app comp special
Company A

Forms
Accumulation Advantage

10 years

Fixed Account 2.45% (2.75% $100k)
S&P Ann P2P Cap 4.50% (5.25% $100k)
Blmbrg US Dyn Bal Idx II Par Rt 70% (80%)
Blmbrg US Dyn Bal Idx II Cap 5.50% (7.00%)
PIMCO Tact Bal Par Rate 70% (80%)
PIMCO Tact Bal Ann P2P Cap 5.25% (6.75% $100k)
S&P Monthly Sum Cap 2.00% (2.30%)
BlackRock iBLD Claria Cap 5.50% (7.00%)
BlackRock iBLD Claria Par Rate 72% (82%)
N/A 5% of premiums paid after 1 year
6.00% 0-75
4.00% 76-80
EquiTrust

Forms
MarketTen Bonus

10 years

Flexible Premium
BONUS 6.00%
Return of Premium Built-In
Fixed Account 1.00%
Annual P2P Cap 2.50%
2-Year Monthly Avg Cap 6.00%
Monthly Sum Cap 1.00%
Daily Averaging Cap 2.75%
Monthly Avg (no cap) Part. Rate 30%
6.00% compound growth for 10 years (0.75% cost) 10% after 1st year
6.00% 0-80
F&G Life

Forms
Prosperity Elite 10

10 years

Flexible Premium
BONUS 4% (2% age 76+) Enhancemt Pkg
BONUS 7% (3.50% 76+) Protection Pkg
BONUS Different in Lite states
Death Benefit & Impairment Options
Fixed Account 1.50%
S&P Annual P2P Cap 5.25%
S&P Monthly Avg Cap 5.75%
S&P Monthly Sum Cap 1.85%
Gold Comm 1-Yr P2P Cap 5.50%
Perform Triggered Rate 4.25%
2-yr P2P Barclays Trailblazer Par Rt 120%
6.00% compounded for 10 yrs. Restart feature for up to 20 yrs. (1.30% cost) 10% after 1st year
7.00% 0-75
5.50% 76-80
3.75% 81-85
Different in some states
F&G Life

Forms
Safe Income Plus

10 years

Flexible Premium
BONUS 8% if GLWB is elected
BONUS (7% lite states)
Fixed Account 1.00%
Annual P2P Cap 2.00%
Monthly Sum Cap 1.10%
Performance Trigger Rate: 1.75%
Monthly Avg Cap 2.00%
7.50% compounded for 10 years. Reset feature for up to 20 years (1.05% cost) 10% after 1st year
7.00% 0-75
5.00% 76-80
different some states
F&G Life

Forms
Performance Pro

10 years

Flexible Premium
BONUS 10% (5.50% age 76+)
BONUS Different in Lite states
Monthly Sum Cap 1.85%
5-Yr DJ Real Est Risk Cntrl Sprd 15.50
Fixed Account 1.50%
S&P Annual P2P Cap 4.50%
S&P 2-Yr P2P Cap 10.75%
S&P 3-Yr P2P Cap 18.50%
Gold Comm 1-Yr P2P Cap 5.50%
Built-in.
3.25% rollup + index gains for 10 yrs or to age 85. Reset option for up to 20 yrs. (0.95% cost)
10% after 1st year
Temporary
Special

8.50% 0-75
6.50% 76-80
different in some states
F&G Life

Forms
Accelerator Plus 10

10 years

Addt'l prem yr 1 only
Premium Bonus 7% (3.50% age 76+)
Prem Bonus Lite States 5% (2.50% age 76+)
Rates in parenthesis below 1% annual fee
Fixed Account 1.50%
S&P Annual P2P Cap 5.00% (7.75%)
S&P Monthly Sum Cap 2.00% (3.00%)
Perform Triggered Rate 4.25% (6.00%)
2-yr P2P Barclays Trailblazer Par Rt 120% (145%)
7% Bonus
(5% Lite States)
5% rollup for 10 yrs, or account value x performance factor if higher
10% after 1st year
10% after 1st year
8.00% 0-75
6.00% 76-80
4.00% 81-85
F&G Life

Forms
Accumulator Plus 10

10 years

Flexible Premium
Rates in parenthesis below 1% annual fee
Fixed Account 1.00%
S&P Annual P2P Cap 6.00% (8.75%)
S&P Monthly Avg Cap 7.50% (9.25%)
S&P Monthly Sum Cap 2.10% (3.10%)
Perform Triggered Rate 4.75% (6.50%)
2-yr P2P Barclays Trailblazer Par Rt 140% (160%)
N/A 10% after 1st year
7.00% 0-70
5.00% 71-80
3.50% 81-85
Great American

Forms
Safe Return

10 years

Single Premium
Return of Premium Built-In
Annual P2P Bailout Cap 3.00%
Fixed Account 2.00%
Ann P2P S&P Risk Cntrl Par Rate 50%
Ann P2P S&P Cap 5.00%
iShares US Real Est Cap 6.00%
9% simple growth for 10 years (0.95) 10% Starting in 1st Year
5.50% 0-75
4.10% 76-85
Trail options
Great American

Forms
American Valor 10

10 years

Flexible Premium
BONUS 2%
Fixed Account 1.00%
Ann P2P S&P Risk Cntrl Par Rate 50%
Ann P2P S&P Cap 4.50%
S&P US Retiree Index Par Rt 65%
Must purchase rider. 7% simple growth for 10 years (0.95), or 6% for 12 years (1.35) 10% Starting in 1st Year
5.00% 0-75
3.15% 76-85
Trail options
Great American

Forms
Custom 10

10 years

Single Premium
Different rates in AK,CA,PA,UT&VA (no MVA)
Fixed Account 1.60%
Fixed Account $150k+ 1.70%
Ann P2P S&P Risk Cntrl Par Rate 55%
Ann P2P S&P Risk Cntrl Par Rate $150k+ 60%
Ann P2P Gold Index Cap 5.25%
Ann P2P Gold Index Cap $150k+ 5.50%
Ann P2P S&P Cap 4.50%
Ann P2P S&P Cap $150k+ 4.75%
Different Caps/Rates in Non-MVA States
iShares US Real Est Cap 5.25%
iShares US Real Est Cap $150k+ 5.50%
Simple Income Option - 7% simple for 10 yrs (1st 5 yrs bonus factor - 1.05% cost) - Stacked Income Option - 4% simple for 10 + interest dollars each year (1.35%) 5% beginning first year
6.00% 0-75
3.75% 76-85
Trail options
Guggenheim Life

Forms
TriVysta

10 years

Addt'l prem yr 1 only
Fixed Account 3.00%
S&P 500 Cap 5.25%
1-yr CROCI Sector II 5.5% VC Idx sprd 2.40
2-yr CROCI Sector II 5.5% VC Idx Par Rt 80%
5-yr P2P CROCI Sector II Idx Par Rate 30%
1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 105%
2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 140%
5-yr Morg Stnly Dvrsfd Sel Idx Par Rt 140%
10% Bonus on Income Base. 4% compound roll-up + stacked index gains for 20 years - even after income starts (90 bp cost) 10% after 1st year
7.00% 0-75
5.00% 76-80
3.50% age 81
(different in some states)
Guggenheim Life

Forms
Highlander

10 years

Addt'l prem yr 1 only
Bonus on Account Value Only 4.00%
Fixed Account 2.50%
S&P 500 Cap 4.50%
S&P 500 Ann P2P Participation Rt 47%
S&P MARC 5% ER Par Rate 100%
10% Bonus on Income Base. 4% compound roll-up + stacked index gains for 20 years - even after income starts (90 bp cost) 10% after 1st year
7.00% 0-75
5.00% 76-80
(1% less CA/FL)
Trail options
Lafayette Life

Forms
Marquis SP 10

10 years

Single Premium
Fixed Account 3.00%
S&P Ann P2P with Cap 5.25%
S&P Monthly Avg with Cap 4.50%
1-Yr Gldman Sachs Mom Bldr Par Rate 100%
2-Yr Gldman Sachs Mom Bldr Par Rt 125%
3-Yr Gldman Sachs Mom Bldr Par Rt 150%
1-Yr JP Morgan P2P Par Rate 67%
2-Yr JP Morgan P2P Par Rate 100%
3-Yr JP Morgan P2P Par Rate 117%
10-year roll-up varies by issue age: (45 to 60 - 7.00%) (61 to 74 - 8.00%) (75 to 85 - 9.00%) simple interest - 0.95% 10% after 1st year
6.50% 18-75
5.00% 76-85
Lincoln Financial

Forms
OptiBlend 10

10 years

Fixed Account 2.60%
Fixed Account $100k+ 2.65%
Performance-Triggered Rate 4.45%
Performance-Triggered Rate $100k+ 4.70%
S&P Ann P2P with Cap 5.75%
S&P Ann P2P with Cap $100k+ 6.75%
Ann P2P Vol Cntrl Spread (no cap) 1.10
Ann P2P Vol Cntrl Spread $100k+ 0.85
5% compound for 10 years or to age 85 (earlier) - 0.95%   7.00% 0-74
4.00% 75-79
1.75% 80
North American

Forms
RetireChoice 10

10 years

Flexible Premium
Bonus 2.00% on Acct Value Only
on all premiums 1st 5 years
or 4.50% total w/ Optional Addt'l Ben Rider
Different in OH, OK, UT
Fixed Account 2.50%
Fixed Account $250k+ 2.60%
S&P Annual Cap 5.20%
S&P Annual Cap $250k+ 5.50%
S&P Monthly Sum Cap 2.00%
S&P Mo Sum Cap $250k+ 2.20%
S&P IPT Declared Rate 6.35%
S&P IPT Declared Rate $250k+ 6.60%
S&P Mo Avg Par Rate (no cap) 65%
S&P Mo Avg Par Rate $250k+ 70%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 2.30
S&P LV-DR Cntrl Sprd 5% $250k+ 2.00
S&P LV-DR Cntrl 2-yr Sprd 8% 3.30
S&P LV-DR Ctrl 2-yr Sprd 8% 250k+ 2.90
DIJA Annual Cap 4.00%
DIJA Annual Cap $250k+ 4.20%
DIJA Mo Avg Par Rate (no cap) 60%
DIJA Mo Avg Par Rate $250k+ 65%
S&P Midcap 400 Annual Cap 3.80%
S&P Midcap 400 Ann Cap 250k+ 4.00%
S&P Midcap 400 Par Rate 60%
S&P Midcap 400 Par Rate 250k+ 65%
Nasdaq 100 Annual Cap 4.05%
Nasdaq 100 Ann Cap $250k+ 4.20%
Nasdaq 100 Monthly Sum Cap 1.55%
Nasdaq 100 Mo Sum Cap $250k+ 1.65%
Must choose income rider OR Addt'l Benefit rider, not both.
6.00% for 10 years (1.05% cost)

5.75% in PA
10% after 1st year
7.00% 0-75
5.25% 75-79
North American

Forms
Benefit Solutions 10

10 years

Single Premium
Fixed Account 2.90%
S&P Annual Cap 6.20%
S&P Monthly Sum Cap 2.40%
S&P Mo Avg Par Rate (no cap) 80%
S&P Low Vol Dly Rsk Cntrl Sprd 5% 1.50
DIJA Mo Avg Par Rate (no cap) 75%
Nasdaq 100 Monthly Sum Cap 1.80%
Benefit Base Floor:
120% years 1-5
140% years 6-10
160% years 11+
(1.20% cost)
5% after 1st year.
7.00% 40-75
5.25% 76-79