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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 2.10%
Ann P2P S&P Cap $150k+ 2.35%
iShares US Real Est Cap 2.10%
iShares US Real Est Cap $150k+ 2.20%
iShares MSCI EAFE ETF Cap 2.25%
iShares MSCI EAFE ETF Cap $150k+ 2.50%
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

Flex 1st 30 days
Fixed Account 1.30%
S&P Annual P2P Cap 2.75%
S&P Annual P2P Cap $100k+ 4.10%
S&P Annual P2P Par Rate (no cap) 15%
S&P Annual P2P Par Rate $100k+ 20%
S&P 500 5-Yr Point-to-Point 15%
S&P 500 5-Yr P2P $100k+ 22%
Russell 2000 Annual P2P Cap 2.40%
Russell 2000 Ann Cap $100k+ 3.40%
MSCI EAFE Annual P2P Cap 2.40%
MSCI EAFE Annual P2P Cap $100k+ 3.40%
PIMCO Global Optima Par Rate 25%
PIMCO Global Optima Par Rate $100k 38%
ML Strategic Balance Par Rate 46%
ML Strategic Bal Par Rate $100k 72%
AQR DynamiQ Par Rate 65% - 1% sprd
AQR DynamiQ Par Rate $100k+ 80% - 1% sprd
2-Yr AQR DynamiQ Par Rate 70% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 87% - 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 1.50%
Fixed Account $100k+ 1.60%
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 50%
S&P US Retiree Indx Par Rt $100k+ 55%
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
Rates differ in CA
Fixed Account 1.00%
Fixed Account $100k+ 1.10%
S&P Ann P2P with Cap 3.15%
S&P Ann P2P with Cap $100k+ 4.00%
S&P Participation Rate (no cap) 10%
S&P Par Rate (no cap) $100k+ 15%
Ann P2P Vol Cntrl Spread (no cap) 1.10
Ann P2P Vol Cntrl Spread $100k+ 0.85
1-yr Fidelity AIM Participation Rate 50%
1-yr Fidelity AIM Par Rate $100k+ 60%
1-yr BlackRock Dyn Allocation Par Rt 60%
1-yr BlkRk Dyn Alloc Par Rt $100k+ 75%
2-yr BlackRock Dyn Allocation Par Rt 70%
2-yr BlkRk Dyn Alloc Par Rt $100k+ 85%
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 3.70%
S&P Annual P2P Cap $100k+ 3.95%
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
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+ 1.05% 6 years
Performance-Triggered Rate 1.75%
Performance-Triggered Rate $100k+ 2.25%
S&P Ann P2P with Cap 2.25%
S&P Ann P2P with Cap $100k+ 2.75%
S&P Low Vol DRC Par Rate (no cap) 25%
S&P Low Vol DRC Par Rate $100k+ 30%
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

Flex 1st 30 days
Fixed Account 1.35%
S&P Annual P2P Cap 2.80%
S&P Annual P2P Cap $100k+ 4.15%
S&P Annual P2P Par Rate (no cap) 16%
S&P Annual P2P Par Rate $100k+ 21%
Russell 2000 Annual P2P Cap 2.50%
Russell 2000 Ann Cap $100k+ 3.70%
MSCI EAFE Annual P2P Cap 2.50%
MSCI EAFE Annual P2P Cap $100k+ 3.70%
PIMCO Global Optima Par Rate 27%
PIMCO Global Optima Par Rate $100k 40%
ML Strategic Balance Par Rate 48%
ML Strategic Bal Par Rate $100k 75%
AQR DynamiQ Par Rate 50% - 0% sprd
AQR DynamiQ Par Rate $100k+ 70% - 0% sprd
2-Yr AQR DynamiQ Par Rate 95% - 2% sprd
2-Yr AQR DynQ Par Rt $100k+ 125% - 2% sprd
N/A 10% after 1st year
4.75% 0-80

Trail options
American General

Forms
Power 7 Protector Plus Income

7 years

Flex 1st 30 days
Fixed Account 1.30%
S&P Annual P2P Cap 2.60%
S&P Annual P2P Cap $100k+ 3.80%
S&P Annual P2P Par Rate (no cap) 15%
S&P Annual P2P Par Rate (no cap) 18%
Russell 2000 Annual P2P Cap 2.30%
Russell 2000 Ann Cap $100k+ 3.40%
MSCI EAFE Annual P2P Cap 2.30%
MSCI EAFE Annual P2P Cap $100k+ 3.40%
PIMCO Global Optima Par Rate 25%
PIMCO Global Optima Par Rate $100k 38%
ML Strategic Balance Par Rate 45%
ML Strategic Bal Par Rate $100k 70%
AQR DynamiQ Par Rate 48% - 0% sprd
AQR DynamiQ Par Rate $100k+ 70% - 0% sprd
2-Yr AQR DynamiQ Par Rate 90% - 2% sprd
2-Yr AQR DynQ Par Rt $100k+ 125% - 2% sprd
5.50% simple until income trigger.
(1.10% fee)
10% after 1st year
4.75% 0-80

Trail options
American National

Forms
Strategy Index Plus 7

7 years

Flexible Premium
Fixed Account 1.95%
S&P Performance Trigger Rate 3.25%
1-Yr Monthly Sum 2.00%
1-Yr S&P P2P 100% Par Rate Cap 4.25%
1-Yr S&P P2P 50% Par Rate Cap 4.50%
S&P Par Rate (no cap) 17%
Nasdaq 100 Growth Cap 4.50%
S&P MARC 5% Par Rate 85%
1) 6.85% compound roll-up for 10 years (1% fee) or 2) 4.20% + index credit for 10 yrs (70 bp fee) 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 2.40%
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 0.75
Blmbrg USDB Index II Cap 7.50%
Blmbrg USDB ER Par Rate 90%
2-Yr Blmbrg USDB II ER Par 125%
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
Great American

Forms
Legend 7

7 years

Flexible Premium
DIFFERENT rates in AK,CA,PA,UT (No MVA)
Fixed Account 1.70%
Fixed Account $100k+ 1.85%
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 4.15%
Annual P2P S&P Cap $100k+ 4.40%
Monthly Sum S&P Cap 1.60%
Monthly Sum S&P Cap $100k+ 1.85%
S&P US Retiree Index Par Rt 60%
S&P US Retiree Indx Par Rt $100k+ 65%
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
PREMIUM BONUS
Fixed Account 2.50%
S&P 500 Cap 4.50%
S&P 500 Ann P2P Participation Rt 35%
S&P MARC 5% ER Par Rate 95%
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 1.20%
S&P Ann P2P with Cap 4.00%
S&P Monthly Avg with Cap 2.75%
1-Yr Gldman Sachs Mom Bldr Par Rate 40%
2-Yr Gldman Sachs Mom Bldr Par Rt 55%
3-Yr Gldman Sachs Mom Bldr Par Rt 100%
1-Yr JP Morgan P2P Par Rate 32%
2-Yr JP Morgan P2P Par Rate 45%
3-Yr JP Morgan P2P Par Rate 55%
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
Rates differ in CA
Fixed Account 1.05%
Fixed Account $100k+ 1.15%
S&P Ann P2P with Cap 3.30%
S&P Ann P2P with Cap $100k+ 4.30%
S&P Participation Rate (no cap) 15%
S&P Par Rate (no cap) $100k+ 20%
Ann P2P Vol Cntrl Spread (no cap) 1.10
Ann P2P Vol Cntrl Spread $100k+ 0.85
1-yr Fidelity AIM Participation Rate 50%
1-yr Fidelity AIM Par Rate $100k+ 65%
1-yr BlackRock Dyn Allocation Par Rt 75%
1-yr BlkRk Dyn Alloc Par Rt $100k+ 85%
2-yr BlackRock Dyn Allocation Par Rt 85%
2-yr BlkRk Dyn Alloc Par Rt $100k+ 95%
Income Rider
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 4.75%
S&P Annual P2P Cap $100k+ 5.00%
S&P Ann P2P with Par Rate (no cap) 29%
S&P Ann P2P with Par Rate $100k 31%
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 1.05% 8 years
Fixed Account $100k+ 1.10% 8 years
Performance-Triggered Rate 2.25%
Performance-Triggered Rate $100k+ 2.75%
S&P Ann P2P with Cap 2.50%
S&P Ann P2P with Cap $100k+ 3.00%
S&P Low Vol DRC Par Rate (no cap) 30%
S&P Low Vol DRC Par Rate $100k+ 35%
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

Flexible Premium
Fixed Account 1.50%
S&P Annual Cap 3.00%
S&P P2P Par Rate 20%
S&P Monthly Sum Cap 1.40%
2-yr S&P Par Rate 30%
S&P Low Vol DRC Sprd 5% 3.00
S&P MARC 5% Par Rate (no cap) 55%
2-yr S&P MARC 5% Par Rate 80%
1-yr Fidelity MF par rate 60%
2-yr Fidelity MF Par Rate 90%
1-yr Fid MF par rate 1.50% fee 120%
2-yr Fid MF par rate 1.50% fee 180%
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 4.75%
S&P Annual P2P Cap $100k+ 5.00%
S&P Ann P2P with Par Rate (no cap) 30%
S&P Ann P2P with Par Rate $100k 32%
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 Equity

Forms
Destinations 10

10 years

Flexible Premium
DIFFERENT RATES in CA
Fixed Account 1.90%
BofA Destinations 1-yr Par Rate 82%
BofA Destinations 2-yr Par Rate 116%
S&P NeXt Mnthly P2P w/ Replacemt Rt* 1.10%
*(highest 3-months substitute w/ replcmt rate)
N/A 10% after 1st year
6.00% 18-75
4.50% 76-80
Trail options
American General

Forms
Power 10 Protector

10 years

Flex 1st 30 days
Fixed Account 1.40%
S&P Annual P2P Cap 3.00%
S&P Annual P2P Cap $100k+ 4.20%
S&P Annual P2P Par Rate (no cap) 18%
S&P Annual P2P Par Rate $100k+ 23%
Russell 2000 Annual P2P Cap 2.70%
Russell 2000 Ann Cap $100k+ 3.75%
MSCI EAFE Annual P2P Cap 2.70%
MSCI EAFE Annual P2P Cap $100k+ 3.75%
PIMCO Global Optima Par Rate 28%
PIMCO Global Optima Par Rate $100k 42%
ML Strategic Balance Par Rate 50%
ML Strategic Bal Par Rate $100k 77%
AQR DynamiQ Par Rate 70% - 1% sprd
AQR DynamiQ Par Rate $100k+ 90% - 1% sprd
2-Yr AQR DynamiQ Par Rate 74% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 92% - 0% sprd
N/A 10% after 1st year
7.00% 0-75

Trail options
American General

Forms
Power 10 Protector Plus Income

10 years

Flex 1st 30 days
Fixed Account 1.35%
S&P Annual P2P Cap 2.75%
S&P Annual P2P Cap $100k+ 4.00%
S&P Annual P2P Par Rate (no cap) 17%
S&P Annual P2P Par Rate $100k+ 20%
Russell 2000 Annual P2P Cap 2.50%
Russell 2000 Ann Cap $100k+ 3.50%
MSCI EAFE Annual P2P Cap 2.50%
MSCI EAFE Annual P2P Cap $100k+ 3.50%
PIMCO Global Optima Par Rate 27%
PIMCO Global Optima Par Rate $100k 40%
ML Strategic Balance Par Rate 48%
ML Strategic Bal Par Rate $100k 72%
AQR DynamiQ Par Rate 67% - 1% sprd
AQR DynamiQ Par Rate $100k+ 87% - 1% sprd
2-Yr AQR DynamiQ Par Rate 72% - 0% sprd
2-Yr AQR DynQ Par Rt $100k+ 90% - 0% sprd
5.50% simple until income trigger.
(1.10% 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 2.05%
S&P Performance Trigger Rate 3.35%
1-Yr Monthly Sum 2.10%
1-Yr S&P P2P 100% Par Rate Cap 4.35%
1-Yr S&P P2P 50% Par Rate Cap 4.60%
S&P Par Rate (no cap) 20%
Nasdaq 100 Growth Cap 4.60%
S&P MARC 5% Par Rate 95%
1) 6.85% compound roll-up for 10 years (1% fee) or 2) 4.20% + index credit for 10 yrs (70 bp fee) 10% Starting in 1st Year
7.00% 0-75
5.50% 76-80
Trail option
Company A

Forms
360

10 years

50% 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 Sprd 1.60
Blmbrg USDB Index II Cap 5.35%
Blmbrg USDB ER Par Rate 70%
PIMCO Tact Bal Spread 1.60
PIMCO Tact Bal P2P Cap 5.15%
PIMCO Tact Bal ER Par Rate 70%
S&P Monthly Sum Cap 1.80%
Nasdaq-100 Monthly Sum Cap 2.00%
Russell 2000 Monthly Sum Cap 2.20%
BlackRock iBLD Claria spread 1.20
BlackRock iBLD Claria Cap 5.00%
BlckRck iBLD Claria ER Par Rt 75%
2-Yr BlackRock ER Par Rate 110%
2-Yr Blmbrg USDB II ER Par 100%
2-Yr PIMCO Tact Bal ER Par 100%
Income base (account value) grows at 150% of index performance. Level or increasing income option. (1.30% cost) 10% of premiums paid after 1 year
6.50% 0-75
4.50% 76-80

Trail Options
Company A

Forms
222

10 years

Fixed Account 1.10%
S&P Ann P2P Cap 2.25%
Nasdaq-100 Ann P2P Cap 2.00%
Russell 2000 Ann P2P Cap 2.00%
Blmbrg USDB Index II Cap 2.50%
Blmbrg USDB Index II Sprd 4.10
Blmbrg USDB ER Par Rate 40%
PIMCO Tact Bal P2P Cap 2.40%
PIMCO Tact Bal Spread 4.10
PIMCO Tact Bal ER Par Rate 40%
S&P Monthly Sum Cap 1.20%
Nasdaq-100 Monthly Sum Cap 1.50%
Russell 2000 Monthly Sum Cap 1.60%
BlackRock iBLD Claria spread 3.85
BlackRock iBLD Claria Cap 2.15%
BlckRck iBLD Claria ER Par Rt 45%
2-Yr BlackRock ER Par Rate 70%
2-Yr Blmbrg USDB II ER Par 60%
2-Yr PIMCO Tact Bal ER Par 60%
25% 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

Trail Options
Company A

Forms
ABC

10 years

Fixed Account 1.00%
S&P Ann P2P Cap 2.75%
Nasdaq-100 Ann P2P Cap 2.50%
Russell 2000 Ann P2P Cap 2.50%
Blmbrg USDB Index II Cap 3.00%
Blmbrg USDB Index II Sprd 3.60
Blmbrg USDB ER Par Rate 50%
PIMCO Tact Bal P2P Cap 2.90%
PIMCO Tact Bal Spread 3.60
PIMCO Tact Bal ER Par Rate 50%
S&P Monthly Sum Cap 1.10%
Nasdaq-100 Monthly Sum Cap 1.40%
Russell 2000 Monthly Sum Cap 1.50%
BlackRock iBLD Claria Cap 2.65%
BlackRock iBLD Claria spread 3.35
BlckRck iBLD Claria ER Par Rt 55%
2-Yr BlackRock ER Par Rate 80%
2-Yr Blmbrg USDB II ER Par 70%
2-Yr PIMCO Tact Bal ER Par 70%
18% Bonus
Two PIV acct options: (1) Accelerated PIV grows at 250% of index credit with 50% credit to accum value, or (2) Balanced PIV grows at 150% of index credit with 100% to accum value. With either, income grows at 150% (0.95% fee)
10% of premiums paid after 1 year
6.50% 0-75
4.50% 76-80
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 1.00%
S&P Annual P2P Cap 4.00% (7.00%)
S&P Ann P2P Par Rate (fee only) 40%
S&P Monthly Sum Cap 1.85% (2.75%)
Perform Triggered Rate 3.25% (5.50%)
2-yr P2P Barclays Trlblzr Par Rt 125% (155%)
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 4.25% (7.00%)
S&P Ann P2P Par Rate (fee only) 35%
S&P Monthly Avg Cap 4.50% (9.00%)
S&P Monthly Sum Cap 1.85% (2.75%)
Perform Triggered Rate 3.50% (5.50%)
2-yr P2P Barclays Trlblzr Par Rt 135% (170%)
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 Ex Return Par Rate 100%
S&P Eco Cycle Factor Rotator Index 90%
1-yr Morg Stnly Dvrsfd Sel Idx Par Rt 90%
2-yr Morg Stnly Dvrsfd Sel Idx Par Rt 110%
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
(1% less in CA)

Trail Options
Guggenheim Life

Forms
Highlander

10 years

Addt'l prem yr 1 only
BONUS 4.00%
Fixed Account 2.00%
S&P 500 Cap 3.75%
S&P 500 Ann P2P Participation Rt 30%
S&P MARC 5% ER Par Rate 85%
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
Guggenheim Life

Forms
ViStar

10 years

Addt'l prem yr 1 only
Fixed Account 2.50%
S&P 500 Cap 4.50%
S&P 500 Ann P2P Participation Rt 35%
S&P Eco Cycle Factor Rotator Index 85%
S&P Sector Rot Dly RC2 5% ER Par 95%
S&P MARC 5% ER Par Rate 95%
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
(1% less in CA/FL)

Trail Options
Lafayette Life

Forms
Marquis SP 10

10 years

Single Premium
Fixed Account 1.20%
S&P Ann P2P with Cap 4.00%
S&P Monthly Avg with Cap 2.75%
1-Yr Gldman Sachs Mom Bldr Par Rate 40%
2-Yr Gldman Sachs Mom Bldr Par Rt 55%
3-Yr Gldman Sachs Mom Bldr Par Rt 100%
1-Yr JP Morgan P2P Par Rate 32%
2-Yr JP Morgan P2P Par Rate 45%
3-Yr JP Morgan P2P Par Rate 55%
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

Flexible Premium
Rates differ in CA
Fixed Account 1.10%
Fixed Account $100k+ 1.20%
S&P Ann P2P with Cap 3.50%
S&P Ann P2P with Cap $100k+ 4.50%
S&P Participation Rate (no cap) 25%
S&P Par Rate (no cap) $100k+ 30%
Ann P2P Vol Cntrl Spread (no cap) 0.95
Ann P2P Vol Cntrl Spread $100k+ 0.70
1-yr Fidelity AIM Participation Rate 50%
1-yr Fidelity AIM Par Rate $100k+ 80%
1-yr BlackRock Dyn Allocation Par Rt 85%
1-yr BlkRk Dyn Alloc Par Rt $100k+ 100%
2-yr BlackRock Dyn Allocation Par Rt 95%
2-yr BlkRk Dyn Alloc Par Rt $100k+ 100%
Income Rider
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 1.50%
S&P Annual Cap 4.00%
S&P Monthly Sum Cap 1.40%
S&P Mo Avg Par Rate (no cap) 35%
S&P Low Vol DRC Sprd 5% 4.35
DIJA Mo Avg Par Rate $250k+ 35%
Nasdaq 100 Monthly Sum Cap 1.20%
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 1.25%
Fixed Account $75k 1.60%
S&P Annual Cap 2.75%
S&P Annual Cap $75k 3.25%
S&P P2P Par Rate 15%
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% 4.00
S&P Low Vol DRC Sprd 5% $75k 2.75
S&P MARC 5% Par Rate (no cap) 45%
S&P MARC 5% Par Rate $75k 60%
1-yr Fidelity MF par rate 50%
1-yr Fidelity MF par rate $75k 65%
2-yr Fidelity MF Par Rate 75%
2-yr Fidelity MF Par Rate $75k 95%
1-yr Fid MF par rate 1.50% fee 115%
1-yr Fid MF par rate 1.50% fee $75k 125%
2-yr Fid MF par rate 1.50% fee 165%
2-yr Fid MF par rate 1.50% fee $75k 185%
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