10.00% premium bonus premiumannuityinterestrates.com/images/asapril.pdf · 2014. 5. 13. · 2011,...

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!



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


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)


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

Equitrust 4/1/2014

http://www.guggenheimpartners.com/firm


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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

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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

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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


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++

Sentinel Security Life Insurance Company 4/1/2014

http://www.annuity1.com/as_palette/docs/ssl/ssl_bonus_index_agent_highlights_fl.pdf

http://www.annuity1.com/as_palette/docs/ssl/ssl_bonus_index_agent_highlights_nc.pdf

http://www.annuity1.com/as_palette/docs/ssl/ssl_bonus_index_agent_highlights_ca.pdf

http://www.annuity1.com/as_palette/docs/ssl/ssl_bonus_index_agent_highlights_ut.pdf

http://www.annuity1.com/as_palette/docs/ssl/ssl_bonus_index_agent_highlights_pa.pdf

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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%


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



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:


Wellbeing Rider 6.5% IAV Rate -

0.85% Fee Option 6:



1.00% Fee

S&P 500 Annual Point to Point

New S&P 500 Performance Trigger

Minimum Premium




11.65% Guaranteed First Year Yield!1.50%


MinimumGuaranteed

Surrender Value:

State specific versions available in FL, IN, & DE

$5,000NQ or Q


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.


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.



FIX

ED

IND

EX

AN

NU

ITY


(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

American Equity 4/1/2014

http://www.annuity1.com/as_palette/docs/aei/aei_libr_client_summary.pdf



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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%


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%


9 1.35%

$5,000NQ or Q


Value: S&P 500 Annual Monthly Average $5,000NQ or Q

Products

FIX

ED

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ITY


S&P 500 Monthly Point to Point 87.5% of premiums paid less withdrawal






ADVANTAGE GOLD




Most StatesS&P 500 Annual Monthly Average

Year(s)


Current Interest Rates Effective 2/3/2014 Withdrawal Provision





10.00% ofContract




Minimum Premium


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




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


Cumulative to 10% if free w/d not taken prior

year.


10 Year9, 8.25, 7.25,

6.25, 5.25, 4.25, 3.25, 2.25, 1,

0.5, 0%

NO MVA


NEW Product! FOUNDATION

GOLD


INDEX - 6-07

5.00%Immediately

Vested

A-


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:


Enhanced Death Benefit Rider 4% IAV Rate -

0.70% FeeOption 5:



0.85% Fee Option 6:



1.00% Fee

Most States

American Equity 4/1/2014




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%



accumulated at the


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

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NN

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Y

Index Account Cap Rate Par. Rate

8.50%

Up to 10% in free


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


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



accumulated at the


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

Phoenix 4/1/2014

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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

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DE

X A

NN

UIT

YCap Rate



accumulated at the


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


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


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

ED

IN

DE

X A

NN

UIT

Y

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


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)



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


accumulated at the


Income Today

Rider

Phoenix 4/1/2014

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


covers insolvency up to $1 million per

client, $5 million per agent



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


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


Up to 7% in free


7.00%

FL only*

B A.M. Best

Cap Rate Par. Rate



accumulated at the


$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



accumulated at the


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)

FIX

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100.00%

N/A

Par. Rate

1.60%


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



accumulated at the



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


AK, MO, NC, OR, VA, and WA

Phoenix 4/1/2014

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


$25,000 to $99,999

$50,000 to $99,999

$250,000 or more


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




5 years 9% 9% 8% 7% 6% then

0% + or - MVA

5 YearSecureLiving® Index 5

Genworth Financial 4/1/2014

http://www.annuity1.com/as_palette/docs/genworth/gw_sli_rates_ak_mn_mo_or_pa_wa.pdf

http://www.annuity1.com/as_palette/docs/genworth/gw_sli_rates_ak_mn_mo_or_pa_wa.pdf

https://www.genworth.com/index-institute.html

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


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


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




$25,000 Q/NQ

3.75%3.0

$50,000 to $99,999

SecureLiving® Smart Rate


1.85%3.75%3.20%




Annuitizationavailable

after 1 yearinto currentSPIA rates!


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


$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

Genworth Financial 4/1/2014

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.,

FIXE

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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


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







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


0- 0-80

0-80 0-80

FG Life 4/1/2014

http://us.spindices.com/indices/strategy/dow-jones-us-real-estate-daily-risk-control-10-usd-total-return-index






http://www.harbingergroupinc.com/phoenix.zhtml?c=118763&p=irol-sec



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%

FIX

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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+


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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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








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


14 Year

$10,000NQ or Q

FL Only

Optional Protection Rider Pakage rev. 1-22-14

4.00% Bonus on 7 yr








reallocations.








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



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


Quick Links

0-80 0-80

FG Life 4/1/2014




http://www.annuity1.com/as_palette/docs/omfn/fg_prosperityelite14_agent_highlights.pdf

http://www.annuity1.com/as_palette/docs/omfn/fg_prosperityelite14_agent_highlights.pdf

http://www.annuity1.com/as_palette/docs/OMFN/OMFN_State_Approvals.pdf

http://www.annuity1.com/as_palette/docs/OMFN/OMFN_State_Approvals.pdf

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


year**

10.00%of Account

Valueyears 2+

87.5% of premium minus


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


year**

10.00%of Account

Valueyears 2+

Min.$5,000NQ/Q

$1 Million Max

Premium without


Full Value at Death

Most States

Surrender Charge

Minimum Guarantee

Minimum Premium

Iss. Age Comm. Features Rev. 9-1-13

CA Only



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


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



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-

Athene 4/1/2014

http://www.atheneannuity.com/files/AN1007.pdf



http://www.libertylifeco.com/aboutus/index.html

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


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


Our parent company,

Athene Holding Ltd.,

has $60 Billion in



year**

10.00%of Account

Valueyears 2+



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

Athene 4/1/2014

http://www.libertylifeco.com/aboutus/index.html

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%



1.57%

Additional Deposits yrs 2-5

Optional Return of

Premium Rider

Interest-Crediting Strategies (without ROP)

$15,000 Band


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


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


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


year**

10.00%of Account

Valueyears 2+ 0-

0- 0-80

ING 4/1/2014

http://annuity1.com

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)


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-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


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%


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




$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%.

FORETHOUGHT 4/1/2014

http://www.globalatlantic.com/












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


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


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



12/30/12

Americo Financial


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


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%

Oxford Life/Americo 4/1/2014

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


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%

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


rollup rate for Life or until income rider is turned on no maximum crediting years. Current

annual fee 40bps


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


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


Value:Accumulation

87.5% ofpremiums,


at 1%Interest,

compoundedannually

$10,000 NQ $2,000

Q

10% premium bonus.

TX Only




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%.



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

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% 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%

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%


Value:Accumulation

87.5% ofpremiums,


at 1% Interest,

compoundedannually

10%, 10%, 10%, 10%,

9%, 8%, 5%, 4%, 3% then

0%

Interest

Adjustment


Max issue age in TX is 55

FIX

ED

IN

DE

X A

NN

UIT

YNORTH

AMERICAN

A+ (Superior) by A.M.

Best


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*


American Accident

Association

MinimumGuaranteed

Interest:1%


Value:Accumulation

87.5% ofpremiums,


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


rollup rate for 10 years Plus Option to Extend the Bonus Credit for Contract

Years 11-20. Current annual fee 95bps


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.


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

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


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



Value:

$10.6 Billion in Assets

under manangement as of September 30,

2013


13 Year

15,14.75,14,13,12.25,

11.25,10.5,9.75,8.75,8,6,4

,2

NO MVA


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%


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



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


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

National Western 4/1/2014

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%

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



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%


2.00%


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



Contract Rate Currently 1%



12/31/12


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%


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%


Click here to learn

more about

Guggenheim Partners

Parent of Guggenheim

Life and Annuity

Company


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



Contract Rate

EquiTrust/Guggenheim 4/1/2014







http://www.guggenheimpartners.com/

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

Liberty Bankers- Bankers Life 4/1/2014

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.


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

Bankers Life 4/1/2014

http://www.bankerslifeinsurance.com/resources/BlicPdfSourceFiles/SPDA-Select-Key-Features.pdf



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.


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


Sentinel Security Life 4/1/2014

http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_FL.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_MN.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_OK.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_UT-WA.pdf




http://www.annuity1.com/as_palette/docs/ssl/ssl_pca_agent_highlights_tx.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_OR.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_PA.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_CA.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights.pdf




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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%


American Accident Association


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%

American Equity-North American 4/1/2014

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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


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


12/31/13


Des Moines IA

N/A


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


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


$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%

Royal Neighbors- Equitrust 4/1/2014

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10.00% premium bonus premiumannuityinterestrates.com/images/asapril.pdf · 2014. 5. 13. · 2011,...

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