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

Forms
LandMark 3

3 years

DIFFERENT rates in AK,CA,PA,UT (No MVA)
Fixed Account 1.05%
Fixed Account $150k+ 1.15%
Ann P2P S&P Cap 2.25%
Ann P2P S&P Cap $150k+ 2.50%
iShares US Real Est Cap 2.25%
iShares US Real Est Cap $150k+ 2.45%
iShares MSCI EAFE ETF Cap 2.50%
iShares MSCI EAFE ETF Cap $150k+ 2.75%
N/A 10% Starting in 1st Year
2.50% 0-75
2.00% 76-85
1.50% 86-90
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American Equity

Forms
AssetShield 5

5 years

Flexible Premium
DIFFERENT RATES in CA
Fixed Account 1.75%
S&P Annual P2P with Par Rate 21%
S&P Annual P2P with Cap 3.00%
S&P Monthly Sum Cap 1.90%
1-yr S&P Div Arist DRC Par Rate 80%
N/A 10% after 1st year
3.75% 18-75
2.81% 76-80
1.88% 81-85
Trail Options
American General

Forms
Power 5 Protector

5 years

Fixed Account 1.35%
S&P Annual P2P Cap 3.10%
S&P Annual P2P Cap $100k+ 4.15%
S&P Annual P2P Par Rate (no cap) 14%
S&P Annual P2P Par Rate $100k+ 18%
S&P 500 5-Yr Point-to-Point 17.5%
S&P 500 5-Yr P2P $100k+ 24%
Russell 2000 Annual P2P Cap 2.60%
Russell 2000 Ann Cap $100k+ 3.10%
MSCI EAFE Annual P2P Cap 2.70%
MSCI EAFE Annual P2P Cap $100k+ 3.25%
PIMCO Global Optima Par Rate 30%
PIMCO Global Optima Par Rate $100k 38%
ML Strategic Balance Par Rate 57%
ML Strategic Bal Par Rate $100k 72%
AQR DynamiQ Par Rate 72% - 1% sprd
AQR DynamiQ Par Rate $100k+ 82% - 1% sprd
2-Yr AQR DynamiQ Par Rate 80% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 90% - 0% sprd
N/A 10% after 1st year
3.25% 0-80
1.00% with 0.15%
trail ages 81-85
Great American

Forms
Landmark 5

5 years

Flex 1st 60 days
DIFFERENT rates in AK,CA,PA,UT (No MVA)
Fixed Account 1.40%
Fixed Account $100k+ 1.50%
Ann P2P S&P Risk Cntrl Par Rate 40%
Ann P2P S&P Risk Cntrl Par Rt $100k+ 45%
Ann P2P S&P Cap 3.80%
Annual P2P S&P Cap $100k+ 4.05%
S&P US Retiree Index Par Rt 45%
S&P US Retiree Indx Par Rt $100k+ 50%
iShares US Real Est Cap 3.80%
iShares US Real Est Cap $100k+ 4.05%
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
Fixed Account 1.00%
Fixed Account $100k+ 1.00%
S&P Ann P2P with Cap 2.00%
S&P Ann P2P with Cap $100k+ 2.00%
S&P Participation Rate (no cap) 8%
S&P Par Rate (no cap) $100k+ 9%
Ann P2P Vol Cntrl Spread (no cap) 3.25
Ann P2P Vol Cntrl Spread $100k+ 3.00
1-yr Fidelity AIM Participation Rate 35%
1-yr Fidelity AIM Par Rate $100k+ 45%
N/A 10% Starting in 1st Year
3.00% 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 3.75%
S&P Annual P2P Cap $100k+ 4.00%
S&P Ann P2P with Par Rate (no cap) 25%
S&P Ann P2P with Par Rate $100k 27%
N/A 10% after 1st year
3.00% 0-80
1.50% 81-85
1.35% 86-93
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
Lincoln Financial

Forms
New Directions 6

6 years

Single Premium
Different Rates in CA
Fixed Account 1.00% 6 years
Fixed Account $100k+ 1.00% 6 years
Performance-Triggered Rate 1.25%
Performance-Triggered Rate $100k+ 1.30%
S&P Ann P2P with Cap 2.00%
S&P Ann P2P with Cap $100k+ 2.25%
S&P Low Vol DRC Par Rate (no cap) 30%
S&P Low Vol DRC Par Rate $100k+ 40%
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 Equity

Forms
AssetShield 7

7 years

Flexible Premium
DIFFERENT RATES in CA
Fixed Account 1.90%
S&P Annual P2P with Par Rate 23%
S&P Annual P2P with Cap 3.25%
S&P Monthly Sum Cap 2.00%
1-yr S&P Div Arist DRC Par Rate 85%
N/A 10% after 1st year
4.50% 18-75
3.38% 76-80
2.25% 81-85
Trail Options
American General

Forms
Power 7 Protector

7 years

Fixed Account 1.40%
S&P Annual P2P Cap 3.25%
S&P Annual P2P Cap $100k+ 4.20%
S&P Annual P2P Par Rate (no cap) 16%
S&P Annual P2P Par Rate $100k+ 19%
Russell 2000 Annual P2P Cap 2.80%
Russell 2000 Ann Cap $100k+ 3.40%
MSCI EAFE Annual P2P Cap 2.90%
MSCI EAFE Annual P2P Cap $100k+ 3.50%
PIMCO Global Optima Par Rate 31%
PIMCO Global Optima Par Rate $100k 40%
ML Strategic Balance Par Rate 60%
ML Strategic Bal Par Rate $100k 74%
AQR DynamiQ Par Rate 55% - 0% sprd
AQR DynamiQ Par Rate $100k+ 70% - 0% sprd
2-Yr AQR DynamiQ Par Rate 105% - 2% sprd
2-Yr AQR DynQ Par Rt $100k+ 125% - 2% sprd
N/A 10% after 1st year
4.50% 0-80

Trail options
American General

Forms
Power 7 Protector Plus Income

7 years

Fixed Account 1.25%
S&P Annual P2P Cap 2.20%
S&P Annual P2P Cap $100k+ 2.60%
S&P Annual P2P Par Rate (no cap) 14%
S&P Annual P2P Par Rate $100k+ 16%
Russell 2000 Annual P2P Cap 2.00%
Russell 2000 Ann Cap $100k+ 2.30%
MSCI EAFE Annual P2P Cap 2.10%
MSCI EAFE Annual P2P Cap $100k+ 2.40%
PIMCO Global Optima Par Rate 24%
PIMCO Global Optima Par Rate $100k 30%
ML Strategic Balance Par Rate 36%
ML Strategic Bal Par Rate $100k 45%
AQR DynamiQ Par Rate 35% - 0% sprd
AQR DynamiQ Par Rate $100k+ 50% - 0% sprd
2-Yr AQR DynamiQ Par Rate 70% - 2% sprd
2-Yr AQR DynQ Par Rt $100k+ 85% - 2% sprd
5.75% simple for 10 yrs. 200% step-up year 10.
(1.00% fee)
10% after 1st year
4.50% 0-80

Trail options
American National

Forms
Strategy Index Plus 7

7 years

Flexible Premium
Fixed Account 2.15%
S&P Performance Trigger Rate 3.85%
1-Yr Monthly Sum 2.00%
1-Yr S&P P2P 100% Par Rate Cap 4.85%
1-Yr S&P P2P 50% Par Rate Cap 5.40%
S&P Par Rate (no cap) 17%
1) 7.20% compound roll-up for 10 years (1% cost) or 2) 4.20% + index credit for 10 yrs (70 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
Fixed Account 2.30%
S&P Ann P2P Cap 4.25%
Nasdaq-100 Ann P2P Cap 4.25%
Russell 2000 Ann P2P Cap 4.25%
Blmbrg USDB Index II Sprd 1.75
Blmbrg USDB Index II Cap 6.50%
Blmbrg USDB ER Par Rate 90%
2-Yr Blmbrg USDB II ER Par 120%
Account value = income base. Level or increasing income options. (125 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 4% (3% age 76+) Protection Pkg
BONUS 2% (1.25% age 76+) Enhancemt Pkg
BONUS Different in Lite States
Death Benefit & Impairment Options
Fixed Account 1.50%
S&P Annual P2P Cap 4.00%
S&P Monthly Avg Cap 4.25%
S&P Monthly Sum Cap 1.85%
Gold Comm 1-Yr P2P Cap 5.50%
Perform Triggered Rate 3.50%
2-yr P2P Barclays Trlblzr Par Rt 125%
Protection Package 5.00% compounded for 10 yrs. 4% DB rollup (1.50% cost) 10% after 1st year
6.00% 0-75
4.00% 76-80
3.00% 81-85
Different in some states
Great American

Forms
Legend 7

7 years

Flexible Premium
DIFFERENT rates in AK,CA,PA,UT (No MVA)
Fixed Account 1.60%
Fixed Account $100k+ 1.70%
Ann P2P S&P Risk Cntrl Par Rate 45%
Ann P2P S&P Risk Cntrl Par Rt $100k+ 50%
Ann P2P Gold Index Cap 4.75%
Ann P2P Gold Index Cap $100k+ 5.00%
Ann P2P S&P Cap 3.90%
Annual P2P S&P Cap $100k+ 4.15%
Monthly Sum S&P Cap 1.25%
Monthly Sum S&P Cap $100k+ 1.50%
S&P US Retiree Index Par Rt 50%
S&P US Retiree Indx Par Rt $100k+ 55%
iShares US Real Est Cap 4.25%
iShares US Real Est Cap $100k+ 4.75%
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

Addt'l prem yr 1 only
Fixed Account 2.50%
S&P 500 Cap 4.25%
S&P 500 Ann P2P Participation Rt 30%
S&P MARC 5% ER Par Rate 90%
N/A 10% after 1st year
5.00% 0-75
4.00% 76-80
trail options
lower in CA-FL
Lafayette Life

Forms
Marquis SP 7

7 years

Single Premium
Fixed Account 1.00%
S&P Ann P2P with Cap 2.50%
S&P Monthly Avg with Cap 1.75%
1-Yr Gldman Sachs Mom Bldr Par Rate 20%
2-Yr Gldman Sachs Mom Bldr Par Rt 30%
3-Yr Gldman Sachs Mom Bldr Par Rt 95%
1-Yr JP Morgan P2P Par Rate 20%
2-Yr JP Morgan P2P Par Rate 27%
3-Yr JP Morgan P2P Par Rate 30%
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 1.00%
Fixed Account $100k+ 1.00%
S&P Ann P2P with Cap 2.00%
S&P Ann P2P with Cap $100k+ 2.00%
S&P Participation Rate (no cap) 8%
S&P Par Rate (no cap) $100k+ 9%
Ann P2P Vol Cntrl Spread (no cap) 4.25
Ann P2P Vol Cntrl Spread $100k+ 4.00
1-yr Fidelity AIM Participation Rate 25%
1-yr Fidelity AIM Par Rate $100k+ 35%
Temporarily
Suspended
10% Starting in 1st Year
4.50% 0-74
3.00% 75-79
1.75% 80-84
0.75% 85
Standard Insurance

Forms
Index Select 7

7 years

Single Premium
Fixed Account 2.00%
S&P Annual Point-to-Point Cap 4.50%
S&P Annual P2P Cap $100k+ 4.75%
S&P Ann P2P with Par Rate (no cap) 27%
S&P Ann P2P with Par Rate $100k 29%
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*
Lincoln Financial

Forms
New Directions 8

8 years

Single Premium
Different Rates in CA
Fixed Account 1.00% 8 years
Fixed Account $100k+ 1.00% 8 years
Performance-Triggered Rate 1.70%
Performance-Triggered Rate $100k+ 1.75%
S&P Ann P2P with Cap 2.00%
S&P Ann P2P with Cap $100k+ 2.25%
S&P Low Vol DRC Par Rate (no cap) 30%
S&P Low Vol DRC Par Rate $100k+ 40%
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 1.50%
S&P Annual Cap 3.25%
S&P Monthly Sum Cap 1.20%
S&P P2P Par Rate 20%
2-yr S&P Par Rate 25%
S&P Low Vol DRC Sprd 5% 2.10
S&P MARC 5% Par Rate (no cap) 60%
2-yr S&P MARC 5% Par Rate 85%
1-yr Fidelity MF par rate 60%
2-yr Fidelity MF Par Rate 85%
1-yr Fid MF par rate 1.50% fee 105%
2-yr Fid MF par rate 1.50% fee 160%
6.00% for 10 years (1.05% cost)

5.75% in PA
10% after 1st year
4.75% 0-75
3.56% 76-79
2.37% 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 4.50%
S&P Annual P2P Cap $100k+ 4.75%
S&P Ann P2P with Par Rate (no cap) 28%
S&P Ann P2P with Par Rate $100k 30%
N/A 10% after 1st year
5.00% 0-80
Company Product/Term Account Options Income Rider Free Withdrawls Commission*
American Equity

Forms
AssetShield 10

10 years

Flexible Premium
Fixed Account 2.00%
S&P Annual P2P with Par Rate 25%
S&P Annual P2P with Cap 3.50%
S&P Monthly Sum Cap 2.10%
1-yr S&P Div Arist DRC Par Rate 90%
2-yr S&P Div Arist DRC Par Rate 125%
N/A 10% after 1st year
6.00% 18-75
4.50% 76-80
Trail Options
American General

Forms
Power 10 Protector

10 years

Fixed Account 1.45%
S&P Annual P2P Cap 3.30%
S&P Annual P2P Cap $100k+ 4.25%
S&P Annual P2P Par Rate (no cap) 17%
S&P Annual P2P Par Rate $100k+ 20%
Russell 2000 Annual P2P Cap 2.90%
Russell 2000 Ann Cap $100k+ 3.50%
MSCI EAFE Annual P2P Cap 3.00%
MSCI EAFE Annual P2P Cap $100k+ 3.60%
PIMCO Global Optima Par Rate 33%
PIMCO Global Optima Par Rate $100k 42%
ML Strategic Balance Par Rate 62%
ML Strategic Bal Par Rate $100k 75%
AQR DynamiQ Par Rate 80% - 1% sprd
AQR DynamiQ Par Rate $100k+ 90% - 1% sprd
2-Yr AQR DynamiQ Par Rate 85% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 100% - 0% sprd
N/A 10% after 1st year
7.00% 0-75

Trail options
American General

Forms
Power 10 Protector Plus Income

10 years

Fixed Account 1.25%
S&P Annual P2P Cap 2.25%
S&P Annual P2P Cap $100k+ 2.80%
S&P Annual P2P Par Rate (no cap) 15%
S&P Annual P2P Par Rate $100k+ 17%
Russell 2000 Annual P2P Cap 2.00%
Russell 2000 Ann Cap $100k+ 2.40%
MSCI EAFE Annual P2P Cap 2.10%
MSCI EAFE Annual P2P Cap $100k+ 2.50%
PIMCO Global Optima Par Rate 25%
PIMCO Global Optima Par Rate $100k 33%
ML Strategic Balance Par Rate 40%
ML Strategic Bal Par Rate $100k 52%
AQR DynamiQ Par Rate 70% - 1% sprd
AQR DynamiQ Par Rate $100k+ 85% - 1% sprd
2-Yr AQR DynamiQ Par Rate 65% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 80% - 0% sprd
5.75% simple for 10 yrs. 200% step-up year 10.
(1.00% fee)
10% after 1st year
7.00% 0-75

Trail options
American National

Forms
Strategy Index Plus 10

10 years

Flexible Premium
Premium Enhancement 1.00%
Fixed Account 2.25%
S&P Performance Trigger Rate 3.95%
1-Yr Monthly Sum 2.10%
1-Yr S&P P2P 100% Par Rate Cap 5.00%
1-Yr S&P P2P 50% Par Rate Cap 5.50%
S&P Par Rate (no cap) 20%
1) 7.20% compound roll-up for 10 years (1% cost) or 2) 4.20% + index credit for 10 yrs (70 bp cost) 10% Starting in 1st Year
7.00% 0-75
5.50% 76-80
Trail option
Company A

Forms
360

10 years

25% Interest Bonus prior to income trigger
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 USDB Index II Cap 4.35%
Blmbrg USDB Index II Sprd 2.35
Blmbrg USDB ER Par Rate 70%
PIMCO Tact Bal P2P Cap 4.15%
PIMCO Tact Bal Spread 2.35
PIMCO Tact Bal ER Par Rate 70%
S&P Monthly Sum Cap 1.70%
Nasdaq-100 Monthly Sum Cap 1.90%
Russell 2000 Monthly Sum Cap 2.00%
BlackRock iBLD Claria Cap 4.00%
BlackRock iBLD Claria spread 1.95%
BlckRck iBLD Claria ER Par Rt 75%
2-Yr BlackRock ER Par Rate 105%
2-Yr Blmbrg USDB II ER Par 100%
2-Yr PIMCO Tact Bal ER Par 100%
Income base grows at 125% of index performance. Level or increasing income option. (1.30% cost) 10% of premiums paid after 1 year
6.175% 0-75
4.275% 76-80

Trail Options
Company A

Forms
222

10 years

Fixed Account 1.00%
S&P Ann P2P Cap 1.75%
Nasdaq-100 Ann P2P Cap 1.75%
Russell 2000 Ann P2P Cap 1.75%
Blmbrg USDB Index II Cap 1.75%
Blmbrg USDB Index II Sprd 4.85
Blmbrg USDB ER Par Rate 35%
PIMCO Tact Bal P2P Cap 1.65%
PIMCO Tact Bal Spread 4.85
PIMCO Tact Bal ER Par Rate 35%
S&P Monthly Sum Cap 1.10%
Nasdaq-100 Monthly Sum Cap 1.40%
Russell 2000 Monthly Sum Cap 1.40%
BlackRock iBLD Claria Cap 1.40%
BlackRock iBLD Claria spread 4.60
BlckRck iBLD Claria ER Par Rt 40%
2-Yr BlackRock ER Par Rate 60%
2-Yr Blmbrg USDB II ER Par 55%
2-Yr PIMCO Tact Bal ER Par 55%
15% 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
6.175% 0-75
4.275% 76-80

Trail Options
Company A

Forms
Accumulation Advantage (e-app only)

10 years

Fixed Account 0.75%
S&P Ann P2P Cap 1.50%
Blmbrg USDB Index II Cap 1.25%
Blmbrg USDB Idx II Par Rt 20%
Blmbrg USDB Index II Sprd 5.50
PIMCO Tact Bal P2P Cap 1.00%
PIMCO Tact Bal ER Par Rate 20%
PIMCO Tact Bal Spread 5.50
S&P Monthly Sum Cap 0.80%
BlackRock iBLD Claria Cap 1.25%
BlckRck iBLD Claria ER Par Rt 25%
BlackRock iBLD Claria spread 5.25
2-Yr BlackRock ER Par Rate 45%
2-Yr Blmbrg USDB II ER Par 40%
2-Yr PIMCO Tact Bal ER Par 40%
N/A 10% of premiums paid after 1 year
6.65% 0-75
4.75% 76-80

Trail Options
F&G Life

Forms
Prosperity Elite 10

10 years

Flexible Premium
BONUS 6% (3.25% age 76+) Protection Pkg
BONUS 3% (1.50% age 76+) Enhancemt Pkg
BONUS Different in Lite States
Death Benefit & Impairment Options
Fixed Account 1.50%
S&P Annual P2P Cap 4.00%
S&P Monthly Avg Cap 4.25%
S&P Monthly Sum Cap 1.85%
Gold Comm 1-Yr P2P Cap 5.50%
Perform Triggered Rate 3.50%
2-yr P2P Barclays Trlblzr Par Rt 120%
Protection Package 5.00% compounded for 10 yrs. 4% DB rollup (1.50% cost) 10% after 1st year
7.50% 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 7% if GLWB is elected
BONUS 6% 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%
6.00% compounded for 10 years. Reset feature for up to 20 years (1.15% cost) 10% after 1st year
6.50% 0-75
4.75% 76-80
different some states
F&G Life

Forms
Accelerator Plus 10

10 years

Addt'l prem yr 1 only
Premium Bonus 5% (3.25% age 76+)
Prem Bonus Lite States 3% (2.25% age 76+)
Rates in parenthesis below 1.25% annual fee
Fixed Account 1.50%
S&P Annual P2P Cap 3.50% (6.25%)
S&P Ann P2P Par Rate (fee only) 40%
S&P Monthly Sum Cap 1.60% (2.35%)
Perform Triggered Rate 3.25% (5.25%)
2-yr P2P Barclays Trlblzr Par Rt 120% (145%)
5% Bonus
(3% Lite States)
5% rollup for 10 yrs, or account value x performance factor if higher (1.15% cost)
10% after 1st year
7.50% 0-75
5.50% 76-80
3.75% 81-85
F&G Life

Forms
Accumulator Plus 10

10 years

Flexible Premium
Rates in parenthesis below 1.25% annual fee
Fixed Account 1.00%
S&P Annual P2P Cap 3.75% (6.25%)
S&P Ann P2P Par Rate (fee only) 35%
S&P Monthly Avg Cap 3.50% (6.50%)
S&P Monthly Sum Cap 1.75% (2.60%)
Perform Triggered Rate 3.50% (5.25%)
2-yr P2P Barclays Trlblzr Par Rt 120% (160%)
N/A 10% after 1st year
6.50% 0-70
4.50% 71-80
3.25% 81-85
Great American

Forms
Safe Return

10 years

Single Premium
Return of Premium Built-In
Fixed Account 1.20%
Ann P2P S&P Risk Cntrl Par Rate 30%
Ann P2P S&P Cap 3.00%
iShares US Real Est Cap 3.00%
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
Custom 10

10 years

Single Premium
TEMPORARILY SUSPENDED
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 2.50%
S&P 500 Cap 4.50%
S&P DRC 5% USD Excess Return Par Rate 100%
S&P Economic Cycle Factor Rotator Index 100%
1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 95%
2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 100%
5% Bonus on Income Base. 4% compound roll-up + stacked index gains for 10 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 4.00%
Fixed Account 2.00%
S&P 500 Cap 3.50%
S&P 500 Ann P2P Participation Rt 25%
S&P MARC 5% ER Par Rate 75%
5% Bonus on Income Base. 4% compound roll-up + stacked index gains for 10 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 1.00%
S&P Ann P2P with Cap 2.75%
S&P Monthly Avg with Cap 1.75%
1-Yr Gldman Sachs Mom Bldr Par Rate 25%
2-Yr Gldman Sachs Mom Bldr Par Rt 35%
3-Yr Gldman Sachs Mom Bldr Par Rt 100%
1-Yr JP Morgan P2P Par Rate 22%
2-Yr JP Morgan P2P Par Rate 30%
3-Yr JP Morgan P2P Par Rate 35%
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 1.00%
Fixed Account $100k+ 1.00%
S&P Ann P2P with Cap 2.00%
S&P Ann P2P with Cap $100k+ 2.00%
S&P Participation Rate (no cap) 8%
S&P Par Rate (no cap) $100k+ 9%
Ann P2P Vol Cntrl Spread (no cap) 3.25
Ann P2P Vol Cntrl Spread $100k+ 3.00
1-yr Fidelity AIM Participation Rate 35%
1-yr Fidelity AIM Par Rate $100k+ 45%
Temporarily
Suspended
10% Starting in 1st Year
7.00% 0-74
4.00% 75-79
1.75% 80
North American

Forms
Benefit Solutions 10

10 years

Single Premium
Fixed Account 1.80%
S&P Annual Cap 4.60%
S&P Monthly Sum Cap 1.70%
S&P Mo Avg Par Rate (no cap) 45%
S&P Low Vol DRC Sprd 5% 4.35
DIJA Mo Avg Par Rate (no cap) 45%
Nasdaq 100 Monthly Sum Cap 1.40%
Benefit Base Floor:
120% years 1-5
140% years 6-10
160% years 11+
(1.20% cost)
5% after 1st year.
6.50% 40-75
4.87% 76-79
North American

Forms
VersaChoice 10

10 years

Fixed Account 1.40%
Fixed Account $75k 1.75%
S&P Annual Cap 3.25%
S&P Annual Cap $75k 3.75%
S&P P2P Par Rate 20%
S&P P2P Par Rate $75k 20%
2-yr S&P Par Rate 25%
2-yr S&P Par Rate $75k 30%
S&P Low Vol DRC Sprd 5% 2.75
S&P Low Vol DRC Sprd 5% $75k 2.00
S&P MARC 5% Par Rate (no cap) 50%
S&P MARC 5% Par Rate $75k 70%
1-yr Fidelity MF par rate 50%
1-yr Fidelity MF par rate $75k 70%
2-yr Fidelity MF Par Rate 80%
2-yr Fidelity MF Par Rate $75k 100%
1-yr Fid MF par rate 1.50% fee 110%
1-yr Fid MF par rate 1.50% fee $75k 120%
2-yr Fid MF par rate 1.50% fee 160%
2-yr Fid MF par rate 1.50% fee $75k 175%
No Income Rider

Optional Enhanced Liquidity Rider (0.60% fee)
(1) 20% cum w/d
(2) ROP after 3yrs
(3) 2/6 ADL waiver
(4) ADL enhance payout
10% Starting in 1st Year
6.50% 0-75
4.87% 76-79