888.661 - the life and annuity shop, llc...option b sga commissions- ca & fl fixed rate 2.25%...
TRANSCRIPT
888.661.1999September Spreadsheet http://annuity1.com
10 year $10,000
Non-qualifed
$5,000
Exciting QualifedLimted
Distribution
Product
$1,000,000
10 year $10,000
Non-qualifed$5,000
Exciting QualifedLimted
Distribution
Product
$1,000,000
Minimum Guarantee
Minimum Premium Iss. Age Comm. FeaturesProducts Current Interest Rates
Effective 9/1/2017Withdrawal Provision Surrender Charge
SGA Commissions- Most States
Optional Income Rider
AL, AR, AZ, CO, CT, DC,
FL, GA, HI, ID, IL, IN, IA,
KS, KY, LA, MA, ME, MD,
MI, MT, NE, NH*, NM,
NC, ND, NV, OK, RI, SD,
TN, VA, VT, WV, WI, WY
1-year Deutsche Bank CROCI Sectors II USD
Index (Spread) Volatility Control 2.25% 0-75 7.00%
81 3.50%
S&P 500 1- Year Point-to-Point (Cap) 4.75%
10% of account value after the first
yr. (1 per year)
1.00% on 87.5%
Maximum Premium
without Home Office Approval
1-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate) 90.00% Surrender Charges on Internal Revenue
Service (IRS) required minimum
distributions (RMD) exceeding the penalty-
free withdrawal amount will be
waived
Fixed Rate 2.40% MVA
Guggenheim Life and Annuity
Company
4.00% Annual
Compounded Rollup for 20 years Plus
Interest credited to to the account
value on each anniversary. EVEN AFTER
Rider Payments
begin!
2- year Deutsche Bank CROCI Sectors II USD
Index (Participation Rate) Volatility Control 80.00% Minimum Premium 76-80 5.00%
10% Bonus on
premium in the first contract
year added to income benefit base if income rider is elected
5 Year Point to point Deutsche Bank CROCI
Sectors II USD Index (Participation Rate)
NO Volatility Control30.00%
FIX
ED
IND
EX
AN
NU
ITY
TriVysta™Fixed Indexed
Annuity
B++ (Good) from A.M. Best
2-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate) 110.00%NH* only the 1yr indexed terms available. NO 2yr
or 5yr terms.5-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate) 120.00%
Indianapolis, IN 10% 10% 10% 10% 9% 8% 6% 4% 2% 1% then 0%
12.2 Billion in assets as of
12/31/16
FIX
ED
IND
EX
AN
NU
ITY
TriVysta™Fixed Indexed
Annuity
S&P 500 1- Year Point-to-Point (Cap) 4.75%10% of
account value after the first
yr. (1 per year)
1.00% on 87.5%
SGA – Light State Commissions* (AK, CA, DE, MN, MO, MS, NJ, OH, OK, OR, PA, SC, TX, UT, WA)
AK, CA, DE, MN, MO,
MS, NJ, OH, OK, OR, PA,
SC, TX, UT, WA Version
1-year Deutsche Bank CROCI Sectors II USD
Index (Spread) Volatility Control 2.25%
2- year Deutsche Bank CROCI Sectors II USD
Index (Participation Rate) Volatility Control 80.00% 9% 9% 8% 7% 6% 5% 4% 2% 1% then 0%
Minimum Premium 0-75 6.00% 90 bps Annual Rider
Charge calculated on,
and deducted from, the
account value.
10% Bonus on
premium in the first contract
year added to income benefit base if income rider is elected
5 Year Point to point Deutsche Bank CROCI
Sectors II USD Index (Participation Rate)
NO Volatility Control30.00% Surrender Charges
on Internal Revenue Service (IRS)
required minimum distributions (RMD)
exceeding the penalty-free withdrawal amount will be
waived
76-80 4.00%
NO MVA in approved states
for this version except DE,
MS, SC, & TX which do have
an MVA
Maximum Premium
without Home Office Approval
Nursing Home Care Waiver1-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate)90.00% 81 2.50% Terminal Illness
& Critical Illness Waiver2-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate) 110.00%
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.
The Death Benefit is equal to the full account value of
your annuitycontract.
5-year Morgan Stanley Diversified Select Index
(MSDSI) (Participation Rate) 120.00%
Fixed Rate 2.40%
Page 1 Guggenheim 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
10 year $10,000
Non-qualifed$5,000
Qualifed
Upfront
5.00%Upfront
10 year 3.50%Upfront
$1,000,000 2.50%
Upfront
0-80 0.50%MVA + or -
10 year $10,000
Non-qualifed$5,000 6.00%
Qualifed Upfront4.00%
Upfront
3.00%Upfront
$1,000,000 2.00%
Upfront
0-80 0.50%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.
12.2 Billion in assets as of
12/31/16
Surrender Charges on Internal Revenue
Service (IRS) required minimum
distributions (RMD) exceeding the penalty-
free withdrawal amount will be
waived
76-80
FIX
ED
IND
EX
AN
NU
ITY
The Death Benefit is equal to the full account value of
your annuitycontract.
9% 9% 8% 7% 6% 5% 4% 2% 1% then 0%
CA & FL10% of account value after the first
yr. (1 per year)
4.00% Bonus* on
premium in the first contract
year added to account value. *
Premium Bonus
vested over surrender
charge term
10% Bonus on premium in the
first contract year added to income
benefit base Plus 4.00%
Annual Compounded Rollup for 20 years Plus
Interest credited to to the
account value on each
anniversary. EVEN AFTER
Rider Payments begin!
Maximum Premium
without Home Office Approval
1.00% on 87.5%
Minimum Premium
Guggenheim Life and Annuity
Company
Indianapolis, IN 4.00% Bonus* on
premium in the first contract
year added to account value. *
Premium Bonus
vested over surrender
charge term
FIX
ED
IND
EX
AN
NU
ITY
B++ (Good) from A.M. Best
Highlander™Fixed
Indexed Annuity
1.00% on 87.5%
Option A SGA Commissions- Most States
7.00%AL, AR, AZ, CO, CT, DC, DE,
FL, GA, HI, ID, IL, IN, IA, KS,
KY, LA, MA, ME, MD, MI,
MS, MT, NE, NH, NM, NC,
ND, NV, OK, RI, SD, TN, VA,
VT, WV, WI, WY
S&P 500 1- Year Point-to-Point (Cap) 4.50%
S&P 500 1- Year Point-to-Point (Participation Rate) 40.00%
Minimum Premium
0-75
76-80
Maximum Premium
without Home Office Approval
Surrender Charge Minimum Guarantee
Minimum Premium Iss. Age Comm.Products Current Interest Rates
Effective 9/1/2017Withdrawal Provision Features
Optional Income Rider
Terminal Illness & Critical Illness
Waiver
Nursing Home Care Waiver
90 bps Annual Rider
Charge calculated on,
and deducted from, the
account value.
Option C: 1% Trail all years
Option A SGA Commissions- CA & FL
0-75
Option B SGA Commissions- Most States
0-75
76-80
Plus Trail Years 2+
Option C: 1% Trail all years
0-75
76-80
Trail Years 2+
Option B SGA Commissions- CA & FL
Fixed Rate 2.25%
New Fixed Indexed Annuity with a simple product design with easy to understand interest crediting options and
outstanding income rider.
AK, MN, MO, NJ, OH,
OK, OR, PA, SC, TX, UT,
WA Version
9% 9% 8% 7% 6% 5% 4% 2% 1% then 0%
New Fixed Indexed Annuity with a simple product design with easy to understand interest crediting options and
outstanding income rider.
NO MVA
10% 10% 10% 10% 9% 8% 6% 4% 2% 1% then 0%
Surrender Charges on Internal Revenue
Service (IRS) required minimum
distributions (RMD) exceeding the penalty-
free withdrawal amount will be
waived
10% of account value after the first
yr. (1 per year)
Fixed Rate 2.25%
Highlander™Fixed
Indexed Annuity S&P 500 1- Year Point-to-Point (Cap) 4.50%
S&P 500 1- Year Point-to-Point (Participation Rate) 40.00%
Page 2 Guggenheim 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
0 -75 6.50%76-80 4.50%
One-year Monthly Average with a Cap 2.00%
Declared Rate on Index Gain 1.75%
MVA + or - 0 -64 6.50%Fixed Interest Option 1.00% NO MVA in IL or
MO
0 -75 6.50%76-80 4.50%
One-year Monthly Average with a Cap 2.00%
Declared Rate on Index Gain 1.75%
MVA + or - 65-75 6.50%
Fixed Interest Option 1.00% NO MVA in AK, MN, OR, PA, WA 76-80 4.50%
Withdrawal Provision
Surrender Charge(Rates Subject to Change)
Rates Effective 9/1/2017
1.10%
2.00%10.00% of
vested account
value after the 1st year
10 YearThe minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
$10,000NQ or Q $2,000
minimum for any
additional premiums.
$2,000 minimum premium per index crediting option.
AR, AZ, CO, DC, FL*, GA, HI, IA, IL,
KS, KY, LA, MD, ME, MI, MO, NC, ND,
NE, NM, RI, SD, TN, VA, WI, WV, WY
12% 11% 10% 9% 8% 7% 6% 5% 4%
3% then 0%
Products
One-year Monthly Point-to-Point with a Cap
One-year Annual Point-to-Point with a Cap
Fidelity & Guaranty Life Insurance Company
Des Moines, IA
A.M. Best B++ (Very Good) for
financial strength.
Ratings as of 9/15/16 and subject
ot change.
FIX
ED
IND
EX
AN
NU
ITY
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.
One-year Monthly Point-to-Point with a Cap 1.10%
One-year Annual Point-to-Point with a Cap
FIXE
D IN
DEX
AN
NU
ITY
AK, CA, DE, FL*, NJ, NV, OH, OK, SC, TX, & UT :
9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, then 0%
Premium Bonus is
vested over 10yr
Surrender Charge
Term
Safe Income Plus
FPDA
6.00% Premium
Bonus
10.00% of vested account
value after the 1st year
10 Year
FL ONLY*
$10,000NQ or Q $2,000
minimum for any
additional premiums.
$2,000 minimum premium per index crediting option.
AK, CA, DE, FL*,
MA, MN, NJ, NV,
OH, OK, OR, PA,
SC, TX, UT, & WA
Enhanced Guaranteed Minimum Withdrawal Benefit Rider
(GMWB/EGMWB) Now Included in
all policies
$18 Billion in assets as of 12/31/2016
Death Benefit is the greater of the MGSV or the account
value. Any Premium Bonuses are 100% vested at death.
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.
Impairment Protection aka Income Doubler
(not approved in HI, MN, OR, PA, WA)
200% of Single Payout and 150% of Joint Payout
Annual Rider Charge is 1.05%
Premium Growing at 7.00% Compounded for
10 yrs
Annual Roll-up Rate
if client cannot perform 2 out of 6 ADL's
Restart of the Rider for another 10 years is available.
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.
2.00%
Premium Bonus is
vested over 10yr
Surrender Charge
Term FL Only*
Safe Income Plus
FPDA
7.00% Premium
Bonus
Premium Bonus is included in the income value.
Death Benefit
Minimum Guarantee
Minimum Premium
Iss. Age
Commission Rev. 2/6/17 Features (rev. 4/13/17)
7.00% Vested Premium Bonus
ALL ISSUE AGES
0-
0-80 0-80Page 3
FG Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
One-year Monthly Point-to-Point with a Cap 1.85%
One-year Annual Point-to-Point with a Cap 4.00%
Two -year Point-to-Point with a Cap 8.50% 0 -75 8.00%Three-year Point-to-Point with a Cap 15.25% 76-80 6.00%
One-year Gold Commodity Annual Point-to-Point with a Cap 4.50%
Five-year Dow Jones U.S. Real Estate
Risk Control 10% index with a
Spread. NO CAP!
15.50% 5yr
spread (3.10%
Per year)
Barclays Trailblazer Sectors 5 Index 0.00% 2yr spread 0 -64 8.00%Fixed Interest Option 1.00%
One-year Monthly Point-to-Point with a Cap 1.85%
One-year Annual Point-to-Point with a Cap 4.00%
Two -year Point-to-Point with a Cap 8.50% 0 -75 8.00%Three-year Point-to-Point with a Cap 15.25% 76-80 6.00%
One-year Gold Commodity Annual Point-to-Point with a Cap 4.50%
Five-year Dow Jones U.S. Real Estate
Risk Control 10% index with a
Spread. NO CAP!
15.50% 5yr
spread (3.10%
Per year)
Barclays Trailblazer Sectors 5 Index 0.00% 2yr spread 65-75 8.00%
Fixed Interest Option 1.00% 76-80 6.00%
5 YearMost States
9%, 8%, 7%, 6%, 5%
MVA + or - Limited Time Interest Rate Special
from 6/15/17CA, CT, NC, NJ, & VT
only
E-app Only!Non Rolling Surrender
charge if 30 day window is
not elected.
Click here for details NO MVA
FIX
ED A
NN
UIT
Y
GUARANTEED
YEARS 1-5
FIXE
D IN
DEX
AN
NU
ITY
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.
100% ofAll
Cumulative Interest.
Interest Only After 30
Days
1.00%* Years 6 and
later
Min:
$20,000 NQ or
Q Max
without H.O.
Approval $1M
5 Year Platinum
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.
Death Benefit is the greater of the MGSV or the account
value. Any Premium Bonuses are 100% vested
at death.
Premium Growing at 3.25% Compounded PLUS
Interest Earned for up to 20 yrs
Death Benefit
if client cannot perform 2 out of 6 ADL's
NO MVA in AK, MN, OR, PA, WA
Rider Income Doubler (not approved in HI, IL, MN,
OR, PA, WA)
$18 Billion in assets as of 12/31/2016
AR, CO, DC, FL*, GA, HI, ID, IL, KS,
KY, LA, MD, ME, MI, MO, MT, NC, NE,
ND, NM, SD, TN, WI, WV, WY
AK, CA, DE, FL*,
MA, MN, NJ, NV,
OH, OK, OR, PA,
SC, TX, UT, & WAPerformance Pro
FPDA
up to7.00% Premium
Bonus Bonus is credited on all
premiums received in the first year but only when the GMWB/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, CA, DE, FL*, MA, NJ, NV, OH,
OK, SC, TX, & UT : 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, then 0%
Premium Bonus is
vested over 10yr
Surrender Charge
Term
FIX
ED
IND
EX
AN
NU
ITY
Performance Pro
FPDA
up to9.00% Premium
Bonus Bonus is credited on all
premiums received in the first year but only when the GMWB/EGMWB is
elected.
10.00% of account
value after the 1st year
FL ONLY*
Premium Bonus is not included in the income value.
10 YearEnhanced Guaranteed Minimum
Withdrawal Benefit Rider (EGMWB) Now Included in all policies
NO MVA in MO
Fidelity & Guaranty Life Insurance Company
Des Moines, IA
A.M. Best B++ (Very Good) for
financial strength.
Ratings as of 2/19/15 and subject
ot change.
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.
FL Only*
Minimum Premium
Iss. Age
Commission Rev. 8-1-17 Features (rev. 5/8/17)
4.50% Bonus 76-80
EGMWB Rider Features
Annual Rider Charge is 0.95%
Vested Premium Bonus
9.00% Bonus 0-75
ProductsRates Effective 9/1/2017 Minimum
Guarantee
FG Guarantee-Platinum 5 ®
5 year
Withdrawal Provision
Surrender Charge(Rates Subject to Change)
14% 13% 12% 11% 10% 8% 6% 4% 2%
1% then 0%
Premium Bonus is
vested over 10yr
Surrender Charge
Term
10 Year
3.10% Guaranteed 5 years
• Full Value at Death of Owner
• Terminal Illness Waiver
• Nursing Home Waiver
0 - 79 2.00%
80 - 90 1.00%
0-
Page 4FG Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
1-Year S&P® Monthly Pt-to-Pt 1.50% 0 -75 8.50%S&P® Monthly Average 3.50% 76-80 6.50%
S&P® 1-year Annual Pt to Pt 3.25% 81-85 4.25%
0 -64 8.50%Index Gain Option with
Declared Rate 2.75%
1-Year S&P® Monthly Pt-to-Pt 1.50% 0 -75 7.50%S&P® Monthly Average 3.75% 76-80 5.50%
S&P® 1-year Annual Pt to Pt 3.25% 81-85 3.75%
NO MVA in AK, IL, MD,
MN, NC, OR, PA,VT, WA
Index Gain Option with Declared Rate 3.00%
Premium Bonus is
vested over Surrender
Charge Term
Fixed 1.00%Lower Surrender charges &
Premium Bonus Variation in
AK, CA,DE, FL,*, MA, MN, NJ,
NV, OK, OR, PA, SC, TX, UT,
& WA - *for 65-85
1-Year S&P® Monthly Pt-to-Pt 1.50% 0 -75 5.00%S&P® Monthly Average 3.75% 76-80 3.00%
S&P® 1-year Annual Pt to Pt 3.25% 81-85 2.50%
NO MVA in AK, IL, MD,
MN, NC, OR, PA,VT, WA
Index Gain Option with Declared Rate 3.00% Premium Bonus is vested over
Surrender Charge Term
Fixed 1.00%Lower Surrender charges &
Premium Bonus Variation in
AK, CA, DE, FL,*, MA, MN,
NJ, NV, OK, OR, PA, SC, TX,
UT, & WA - *for 65-85
FIX
ED
IND
EX
AN
NU
ITY
Products
Enhanced Prosperity Elite 14
8.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue
ages 0-75. 4% Bonus issue ages 76+
Enhanced Prosperity Elite 10
6.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue ages 0-75. 3.00% Bonus issue ages 76+ Premium
bonus for lower surrender charge states is 5% 0-75 & 2.50% 76+
Fidelity & Guaranty Life Insurance Company
Des Moines, IA
A.M. Best B++ (Very Good) for
financial strength. 5th highest
of 16 ratings.
Ratings as of 2/19/15 and subject
ot change.
FIXE
D IN
DEX
AN
NU
ITY
FIXE
D IN
DEX
AN
NU
ITY
Enhanced Prosperity Elite 7
4.00% Premium
Bonus on 1st Yr Premium with Protection Pakage issue
ages 0-75. 2% Bonus issue ages 76+
$18 Billion in assets
as of 12/31/2016
Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider &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.
Rates Effective 9/1/2017 Withdrawal Provision(Rates Subject to Change)
Comm. Rev. 1-1-16 Features (rev. 5/8/17)
Surrender Charge
Minimum Guarantee
Minimum Premium
Iss. Age
Premium Bonus is vested
over Surrender Charge
Term
NO MVA in IL, MD, NC
& VT
Vested Premium Bonus
8.00% Bonus on 14 yr
6.00% Bonus on 10 yr
10.00% of vested account
value after the 1st year
Premium Growing at 6.00% Compounded for up to 20 yrs
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
12, 11 10, 9, 8, 7, 6, 5, 4, 3, then 0%
MVA + or -
10 Year
$10,000NQ or Q
Max issue age for the 14yr is 64 in FL.
Rider Charge is 1.30%10.00% of
vested account
value after the 1st year
14 Year
$10,000NQ or Q
FL Only
Protection Rider Pakage or Enhancement Rider Pakage now required. Protection Rider
Pakage shown
4.00% Bonus on 7 yr
14.75, 13.75, 12.75,11.75,10.75,
10, 9, 8, 7, 6, 5, 4, 3, 2, then 0% MVA +
or -
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
The minimum guaranteed surrender value on a full
surrender is 87.5% of premium, plus daily
interest accruing at the MGSV accumulation
interest rate, less rider charges if any. That rate is between 1% and 3%,
depending on issue state, is set at issue and fixed
for the life of the contract. MGSV is reduced by prior
surrenders and is adjusted for any
reallocations.
Prosperity Elite Series
Agent Highlights
F&G Life State Approvals
Enhanced Guaranteed Minimum Withdrawal Benefit Rider (GMWB)
Income Base is the Greater of:
Premium Plus 18.00% Income Rider Bonus OR
Rider Income Doubler
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies,
administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.
10, 9, 8, 7, 6, 5, 4, then 0% MVA + or -
if client cannot perform 2 out of 6 ADL's
Enhanced Guaranteed Minimum Death Benefit
Death Benefit is the greater of:
7 Year
$10,000NQ or Q
10.00% of vested account
value after the 1st year
Quick LinksOne-year Gold Commodity Annual
Point-to-Point with a Cap 3.75%
OR Premium+Bonus Growing at 5.00% Simple Interest for 10 years or age 85
Annuity's account Value OR Income base (roll up will stop at the earlier of age 85 or 10 yrs) taken over at least five years (10 years if age 71 or older)
One-year Gold Commodity Annual Point-to-Point with a Cap 3.75%
Fixed 1.00%
One-year Gold Commodity Annual Point-to-Point with a Cap 3.75%
0-80 0-80Page 5
FG Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
10 year $10,000
Florida Version Non-qualifed
Issue Age 0-58 $5,000
Qualifed
Issue Age 59+9% 9% 8% 7% 6% 5% 4% 3% 2%
1% then 0%CA, 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%
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 -
Issue Age: 45-49 4.50%Issue Age: 50-59 5.00%Issue Age: 60-69 6.00%Issue Age: 70+ 6.50%Compounded Rollup for
20 years
Products
FIX
ED
IND
EX
AN
NU
ITY
Sentinel Plan®
Summit Bonus IndexSM
Fixed Indexed Annuity
Minimum Guarantee
A.M. Best
Founded in 1957!
Minimum Premium
1.00% on 87.5%
1.30%
7% Premium
Bonus vested over
10yrs
Surrender Charge
Daily Average Cap
Current Interest Rates Effective 7-1-17
Withdrawal Provision
Fixed Rate 1.70%
3.25%
FIX
ED
IND
EX
AN
NU
ITY
Sentinel Security Life
Insurance Company
Salt Lake City, UT
Monthly Sum 1.30%
3.30%
Fixed Rate
Monthly Average Cap
5.00%
2.75%10% of your accumulated annuity value
after the first yr
9% 9% 8% 7% 6% 5% 4% 3% 2% 1% then 0%
76-80
10% 10% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
No Agent Commission
Chargeback at Death Ages 0-79!
3.30% Minimum Premium
Maximum Premium
without Home Office Approval
Optional Income Rider0-75 7.25%
Features Rev. 6-24-15Iss. Age Comm.
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.
Required Minimum Distribution or
Interest earned on the Fixed Account
is available Penalty Free
during the first Policy Year
PRODUCT INFO LINKS
Full Vested Accumulation Value
at DeathCA, IL & NC Quick Sheet
TX & UT Quick SheetPA Quick Sheet
Additional 1% Premium
BonusIF the client elects the
Optional Income Rider an additional one-time bonus equal to 1% of the single premium payment will be
credited to the Accumulation Value and
the Income Account Value on the Policy Date
Sentinel Plan®
Summit Bonus IndexSM
Fixed Indexed Annuity
Annual Pt to Pt Cap
12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
Required Minimum Distribution or
Interest earned on the Fixed Account
is available Penalty Free
during the first Policy Year
Daily Average Cap
1.70%
Monthly Average Cap
FL Quick Sheet4.5% Premium
Bonus vested over
10yrs
12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%
10% of your accumulated annuity value
after the first yr
Premium Bonus subject to 10 year Vesting
B++
Monthly Sum
2.75%
3.25%
Annual Pt to Pt Cap
Page 6 Sentinel Security Life Insurance Company 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
1-yr Monthly Avg Participation 50.00% 10%
EquiTrust Life Insurance Company
Des Moines IA 1-yr Point-to-Point Cap 3.00% 1.00% (2% for 2013 contracts) AK/IL/
OH7.00%
1-yr Daily Average Cap 3.50% 1.00% 10 Year (AK, IL)
1-yr Monthly Cap 1.20% 0.50%
2 - Year Monthly Avg. Cap 8.00% 3.00%
1-Year Interest Account 1.50% 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 2.50% 1.00%
1-yr Daily Average Cap 2.75% 1.00% (1% for 2013 contracts)
1-yr Monthly Cap 1.00% 0.50% 10 Year (CA)2 -Year Monthly Avg. Cap 6.00% 3.00%
1-Year Interest Account 1.00% 1.00%
MVA + or -
14 Year
1-yr Monthly Avg Participation 40.00% 10%
1-yr Point-to-Point Cap 2.50% 1.00%
1-yr Daily Average Cap 2.75% 1.00% MVA + or -
1-yr Monthly Cap 1.10% 0.50% (2% for 2013 contracts)
2 - Year Monthly Avg. Cap 6.00% 3%
1-Year Interest Account 1.30% 1.00%
Max issue age in FL is 64 unless
client is an accredited investor
0 - 75
0 - 80
Nursing Home & Terminal Illness
Waiver
Features Rev. 6-1-15
Iss. Age
Comm. Rev.
10-1-12
0 -75 8.50%Full Value at
Death
Income For life (Annual cost 75 bps)
can be turned on after 2nd contract
year. 6.00% Rollup for 10 years
87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract
Rate
17, 16, 15, 14, 13, 12, 11, 10, 9.5, 0%
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%
Max issue age in FL is 64 unless
client is an accredited investor
6.00%
FIX
ED
IND
EX
AN
NU
ITY
Account Options
MarketTen BonusIndex®
FLEXIBLE PREMIUM
6.00%Premium
Bonus! Premiums Received 1-
5 years
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
Account Options Min.
Current 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%
Return of Premium
Guarantee at No
Cost!
9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%
Min.$30,000NQ/Q
BBB+ ("Good") S&P
$17.3 Billion in assets as of
12/31/16
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.
Min.$30,000NQ/Q
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
MarketTwelve Bonus Index®
12.00% Premium Bonus!
Bonus 12% bonus credited over three years. 6% Premium Bonus paid
on all premiums; 2% Accumulation Value
Bonus added on the first three contract anniversaries.
Minimum GuaranteedInterest Rate on 1-Year Fixed Interest (MGIR)
1.00%
8.50%20,20,19,19,18,17,16,14,12,10,8,6,4,2% and
then 0%
Current Rates
1-yr Monthly Avg Participation 30.00% 10%
Minimum Premium(Rates Subject to Change)
Interest only1st contract
year**
10.00%of Account
Valueyears 2+
Guar Min.
20,20,19,19,18,17,16,14,12,10,8,6,4,2,0%
Min.$20,000NQ/Q
AdditionalPremiumsAccepted1st year
Only
ProductsRates Effective 6/30/2017
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
Minimum Guarantee
Minimum GuaranteedInterest Rate on 1-Year Fixed
Interest (MGIR) 1.00%
Surrender Charge
Withdrawal Provision
Account Options Current Rates
MarketPowerBonus Index®
Fixed IndexAnnuity
10.00% Premium
Bonus On all first year premiums
14 Year
0-
0-80
Page 7Equitrust 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
10 year $10,000
Non-qualifed
OR
Qualifed
FPDA
$1,000,000
10 year $10,000
Non-qualifedOR
Qualifed
FPDA
10 year
$1,000,000
New Income Rider
Feature:
(Income Doubler)
Enhanced Income
Withdrawals: If the annuity
owner becomes chronically ill, the
income withdrawal amounts may
be doubled for up to five years; for
joint owners the withdrawal
amounts increase by 50%.
Features Rev. 12-7-
16
Optional Income Rider
4.00% Annual
Compounded Rollup Plus
any Interest credited to to the account
value on each anniversary.
For up to 10 years or the start of
income withdrawals
Products Current Interest Rates Effective 6-30-17
Withdrawal Provision Surrender Charge Minimum
GuaranteeMinimum Premium Iss. Age Comm.
AL, AR, AZ, CO, DC, FL,
GA, HI, ID, IL, IN, IA, KS,
KY, LA, MA, ME, MD, MI,
MO, MT, NE, NC, ND,
NV, RI, SC, SD, TN, VA,
WV, WI, WY
0-80 7.00%
10% 10% 10% 10% 10% 9% 8% 7% 6% 4% then 0%
Maximum Premium
without Home Office Approval
100% of premiums
paid, less any partial
withdrawals, plus interest
earned atContract
Value a rate no lower than
1% and no higher than
3%, less surrender charges.
Minimum Premium
MVA
3.50% Additional Premium Years 2-5
New Income Rider
Feature:
(Income Doubler)
Enhanced Income
Withdrawals: If the annuity
owner becomes chronically ill, the
income withdrawal amounts may
be doubled for up to five years; for
joint owners the withdrawal
amounts increase by 50%.
MGA Commissions
$17.3 Billion in assets as of 12/31/16
FIX
ED
IND
EX
AN
NU
ITY
B++ (Good) from A.M.
Best
S&P 500 1-Year Point-to-Point Cap Index Account 5.00%
1-Year Interest Account 2.60%
S&P 500 1- Year Monthly Cap Index Account 1.85%
Goldman Sachs Dynamo Strategy
Index
1-Year Point-to-Point Participation
Index Account
80%
Goldman Sachs Dynamo Strategy
Index
2-Year Point-to-Point Participation
Index Account
BBB+ ("Good") S&P
10% Bonus on
premium in the first contract
year added to income benefit base if income rider is elected
FIX
ED
IND
EX
AN
NU
ITY
Systematic withdrawalsare available
monthly, quarterly, semiannually or
annually, and must be taken EFT.
10% of Accumulation value after the
first yr. EquiTrust
Life Insurance Company
Des Moines IA
Goldman Sachs Dynamo Strategy
Index
1-Year Point-to-Point Participation
Index Account
80%
Goldman Sachs Dynamo Strategy
Index
2-Year Point-to-Point Participation
Index Account
100%
DynaMARC
™Indexed Annuity
100% of premiums
paid, less any partial
withdrawals, plus interest
earned atContract
Value a rate no lower than
1% and no higher than
3%, less surrender charges.
Income available after the 1st yr if age 50 or
greater.
NO MVA in approved states
for these versions except CT,
OH, & TX which do have an
MVA
CT Version
DynaMARC
™Indexed Annuity
S&P 500 1- Year Monthly Cap Index Account 1.85%
1-Year Interest Account 2.60%
10% Bonus on
premium in the first contract
year added to income benefit base if income rider is elected
S&P 500 1-Year Point-to-Point Cap Index Account
100%
3.50% Additional Premium Years 2-5
10% 9% 8% 7% 6% 5% 4% 3% 2% then 1%
MGA Commissions
0-80 7.00%
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.
95 bps Annual Rider
Charge calculated on,
and deducted from, the
Accumulation value.
Systematic withdrawalsare available
monthly, quarterly, semiannually or
annually, and must be taken EFT.
Maximum Premium
without Home Office Approval
Nursing Home & Terminal Illness Waiver
9% 8% 7% 6.5% 5.5% 4.5% 3.5% 2.5% 1.5% then 0.5%
Minimum Premium
5.00%
10% of Accumulation value after the
first yr.
AK, CA, DE, MN, NJ, OH,
OK, OR, PA, TX, UT, WA
Version
The Death Benefit is equal to the full
Accumulation value of your
annuitycontract.
Page 8 Equitrust 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
10.0% Bonus
1 25% PR# 1 2 3Des Moines, IA 2 2.25% Cap 0-75 6.00% 1.00% 1.00%
3 2.25% Cap 76-80 4.50% 0.75% 0.75%4 2.25% Cap
Excellent 5 15% PR# 1 2 3A.M. Best 6 2.25% Cap 0-64 6.00% 1.00% 1.00%
7 1.40% CapPremium 8 2.25%
Bonus 9 2.00%
10 5.15% Cap & 2% Asset Fee
BBB+ 11 3.25% Asset Fee
Good 12 1.15%
Fitch 1 25% PR# 1.00% Most States
A- 2 2.00% Cap 1 2 3
Strong 3 15% PR# 0-78 6.00% 1.00% 1.00%S&P 4 2.00% Cap IN Only Year(s)
5 1.20% Cap6 1.75% 1 2 3
7 4.65% Cap & 2% Asset Fee
0-73 6.00% 1.00% 1.00%
8 3.50% Asset Fee 74-78 4.50% 0.75% 0.75%
9 1.00% 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%
$47.5 Billion in Assets under
manangement as of
12/31/16
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
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"
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
$5,000NQ or Q
YearsMinimum
GuaranteedSurrender
Value:
16 Year
20,19.5,19,18.5,18,17.5,17,
16,15,14,12,10,8,6,4,2
,0%
NO MVA
American Equity Announces New
Upfront Commission Option Click here
for details
Click here for the new Option U
(upfront) commission Options
American Equity Announces New
Upfront Commission Option Click here
for detailsClick here for the new Option U (upfront)
commission Options
A-
96% Investment Grade Bond
Portfolio
Current Fixed Value Rate
Bond Yield with a Cap
Current Fixed Value Rate
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
New Volatility Control Index
Dow Annual Point to Point
S&P 500 Annual Monthly Average
S&P 500 Annual Monthly Average
Features Rev. 07/10/17
S&P 500 Monthly Point to Point
FullContract
Value at Death
3 Lifetime Income/ Benefit
Options to Choose From:
Option 1: Lifetime Income Rider 5.00% IAV Rate - up to 20 yrs- 0.90% Fee
Option 2: Lifetime Income
Benefit & Wellbeing Rider 5.00% IAV Rate -
up to 20 yrs- 1.00% Fee Option 3:
Lifetime Income Benefit with
Indexing Income Rider IAV Rate equals
Contract value rate of return on the
previous contract anniversary
Multiplied by IAV Muiltplier - Current IAV Muiltplier is 400% for bonus
Products and 200% for non-bonus
products - 0.90% Fee
S&P 500 Annual Point to Point
S&P 500 Performance Trigger
Minimum Premium
Withdrawal Provision
S&P 500 Annual Monthly Average
S&P 500 Annual Point to Point
11.26% Guaranteed First Year Yield!1.00%
S&P 500 Annual Point to Point
FL Only0, 0, 10, 20, 30, 40, 50, 62.5, 75, 87.5 100% (10
yrs.) NO MVA"
Bonus Vesting:
10.00% ofContract
Value Annually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
$5,000NQ or Q
S&P 500 Annual Point to Point
10-Year U.S Treasury Bond
Commission Option A
Iss. AgeCurrent Interest Rates Effective 7/10/2017
Most States
1.15% Current Fixed Value Rate Plus
Surrender Charge
Minimum Guarantee
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
FL Only
Year(s)
New Volatility Control Index
MinimumGuaranteed
Surrender Value:80% of 1st year premium
plus premium bonus plus
87.5% additional premium,
less withdrawal proceeds,
at Minimum Guaranteed
Interest, compounded
annually.
S&P 500 Performance Trigger
87.5% of premiums paid less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
State specific
surrender
charges in FL,
IN, & DE
10 Year Surrender Charge:
12.5,12,12,11,10,9,
8,7,6,4,0%
FIX
ED
IND
EX
AN
NU
ITY S&P 500 Monthly Point to Point
(INDEX-2-09)8.00% Premium Bonus Vestedover a 14 Year
period beginning in year 4
(INDEX-4-10-FL.2)
8.00% Premium Bonus Vestedover a 10 Year
period beginning in year 3
State specific versions available in FL, IN, & DE
Page 9 American Equity 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
MVA Non_MVA MVA Non_MVA
1 47% PR# 42% PR# 1.00%
2 5.00% Cap 4.50% Cap 18-75
3 1.90% Cap 1.80% Cap 76-80
Des Moines, IA 4 1.25% Asset Fee
1.25% Asset Fee
5 2.00% 1.90%
Excellent 1 45% PR# 40% PR# 1.00%
A.M. Best 2 4.75% Cap 4.50% Cap 18-75
3 1.80% Cap 1.70% Cap 76-80
4 1.25% Asset Fee
1.50% Asset Fee 81-85
5 1.90% 1.80%
BBB+ 1 40% PR# 35% PR# 1.00%
Good 2 4.50% Cap 4.25% Cap 18-75
Fitch 3 1.70% Cap 1.60% Cap 76-80
A- 4 1.50% Asset Fee
1.75% Asset Fee 81-85
Strong 5 1.80% 1.70%
S&P
Products Withdrawal Provision
Surrender Charge
Withdrawal ProvisionCurrent Interest Rates Effective 7/10/2017 Minimum
Guarantee
FullContract
Value at Death
2 Lifetime Income/ Benefit
Options to Choose From:Option 1: 6.00%
IAV Rate for 7yrs with 7yr
reset for up to a 14yr rollup - 0.90% Fee
based on and deducted from contract value
Option 2: Lifetime Income
Benefit & Wellbeing Rider 6.00% IAV Rate for 7yrs with 7yr reset for up to a
14yr rollup - 1.00% Fee based on and deducted
from contract value
The Choice Series is excluded from all
incentives.
Most States
S&P 500 Annual Point to Point 6.00%
S&P 500 Monthly Point to Point 4.50%
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
6 Year
9.2, 8, 7, 5.5, 4, 2.5, then 0%
NO MVA
$10,000NQ or Q
Minimum Premium
Iss. Age
Commission Option U
Features Rev. 12/25/15
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
Choice 10
$47.5 Billion in Assets under
manangement as of
12/31/16
New Volatility Control Index
FIX
ED
IND
EX
AN
NU
ITY
FIX
ED
IND
EX
AN
NU
ITY
New Volatility Control Index
A- Current Fixed Value Rate
Choice 8
Current Fixed Value Rate
S&P 500 Annual Point to Point
S&P 500 Annual Point to Point
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.
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
10 Year
9.2, 8.25, 7.25, 6.5, 5.5, 4.5, 3.5, 2.5,
1.5, 0.50, then 0%
NO MVA
90% of premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
$10,000NQ or Q
S&P 500 Annual Point to Point
S&P 500 Monthly Point to Point
New Volatility Control Index
Current Fixed Value Rate
Choice 6
S&P 500 Annual Point to Point
S&P 500 Annual Point to Point Most States5.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
Most States
90% of premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
5.00%
3.75%S&P 500 Monthly Point to Point
The Choice Series is excluded from all
incentives.
2.50%
8 Year
9.2, 8.25, 7.25, 6.5, 5.5, 4.5, 3.5, 2.5 then 0%
NO MVA
5.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
2 Year Enhanced LIB waiting period200% Enhanced LIB Withdrawal Factor for single
life.
Up to 5 year Enhanced LIB
Period
90% of premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
4.00%
3.00%
The Choice Series is excluded from all
incentives.
2.00%
$10,000NQ or Q
NEW Option Available on the Choice Series: American Equity is excited to announce a new option now available on the Choice Series.
Effective 3-13-17 a 5% annual Penalty-Free Withdrawal with MVA Rider option is available on the Choice 6, Choice 8 and Choice 10 products. Interest rates may be higher for contracts with the MVA Rider selected. Please note: The 10%
Penalty-Free Withdrawal with no MVA option is still available. An election must be made at time of issue for MVA or Non-MVA option. Currentlly not available in CA, CT, DC, DE, FL, ND, and SD.
5.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediatelyfrom Fixed.)
Page 10American Equity 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
MVA Non_MVA 1.00%
18-75
76-80
Des Moines, IA
5% 18-75
Premium Bonus 76-80
Excellent MVA Non_MVA 1.00%
A.M. Best 18-75
76-80
18-75
76-80
BBB+ MVA Non_MVA 1.00%
Good 18-75
Fitch 76-80
A-
Strong 18-75
S&P 76-80
$10,000NQ or Q
Year 1
5.00%
3.75%
Terminal Illness Rider
(TIR-100)
Available to annuitants
under age 75 at issue.
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.
Rate Shield
10+
Current Fixed Value Rate 1.65% 1.45%
Current Fixed Value Rate 2.15%
Additional Premiums added in Years 2-5
2.50%
1.88%
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediately
7 Year
9.2, 9.2, 8.2, 7.2, 6.2, 5.2, 4.1 then
0%
MVA Rider is Optional
Current Fixed Value Rate 1.95%
87.5% of premiums
received, less withdrawal proceeds,
accumulated at Minimum
Guaranteed Interest
FIX
ED
AN
NU
ITY
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediately
Products Current Interest Rates Effective 6/9/2017
1.95%
A-
Rate Shield
10
87.5% of premiums
received, less withdrawal proceeds,
accumulated at Minimum
Guaranteed Interest
10 Year
9.2, 9.2, 8.2, 7.2, 6.2, 5.2, 4.1, 3.1, 2.1, 1.0, then 0%
MVA Rider is Optional$47.5 Billion in
Assets under
manangement
as of 12/31/16
FIX
ED
AN
NU
ITY
Rate Shield
7
Interest rates may be higher for contracts with the MVA Rider selected. Please note: An election must be made at time of issue for MVA or Non-MVA option.
Rate Shield Series is not available in CA, DE, FL, and MT as of 3/2/17. The Rate Shield 10+ is Not appoved in CT. The MVA rider is not approved in CT on the
Rate Shield 10 and 7.
1.80%
87.5% of premiums
received, less withdrawal proceeds,
accumulated at Minimum
Guaranteed Interest
Income Shield Rider:
8.50% Simple Interest
IAV Rate for 20yrs
Fixed Rate Annuities that offer very strong guaranteed Income
Rider Payouts.
$10,000NQ or Q
2.05%
Year 1
5.50%
4.10%
Year 1
Additional Premiums added in Years 2-5
Additional Premiums added in Years 2-5
2.75%
5.50%
4.10%
$10,000NQ or Q
Withdrawal Provision Surrender Charge
FullContract
Value at Death
FeaturesMinimum Guarantee
Minimum Premium
Iss. Age
Commission Option U
2.75%
2.05%
Nursing Care Rider
(NCR-100)
Available to annuitants
under age 75 at issue.
1.00% Fee based on and
deducted from contract value
10.00% ofContract
ValueAnnually,StartingYear 2.
SystematicW/D & RMDImmediately
10 Year
9.1, 9.1, 8.5, 7.5, 6.5, 5.5, 4.5, 3.4, 2.3, 1.1, then 0%
MVA Rider is Optional
Premium Bonus vested over surrender charge
term
Page 11American Equity 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index75.00% Most States
1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index50.00% 10 Year 0 -70 6.50%
2-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index55.00% 71-75 6.00%
76-80 5.00%
0 -64 6.50%
1-Year PTP Index (cap) S&P 500 with bailout 2.75% 0 -70 6.50%1-Year Monthly Cap Index (cap) S&P 500 1.30%
Fixed Strategy (1-year) 1.05% 71-74 6.00%
A- ("Strong") S&P2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index75.00% FL
1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index50.00% 10 Year 65-70 6.50%
2-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index55.00% 71-75 6.00%
76-80 5.00%
1-Year PTP Index (cap) S&P 500 with bailout 2.75%
1-Year Monthly Cap Index (cap) S&P 500 1.30%
Fixed Strategy (1-year) 1.05%2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index75.00% Light States
1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi
Asset Diverisfied 5 Index50.00% 10 Year
2-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index55.00% 0 -70 6.50%
71-75 6.00%76-80 5.00%
Premium Bonuses vested over the
surrender charge term
53 -70 6.50%1-Year PTP Index (cap) S&P 500 with bailout 2.75% 71-75 6.00%1-Year Monthly Cap Index (cap) S&P 500 1.30% 76-78 5.00%Fixed Strategy (1-year) 1.05%
1-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index45.00%
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.
8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,1.6,0.9 then 0%
MVA in all approved
states except AK, HI,
MN, NJ, PA, UT, WA
50.00%1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk
Control 5% Index (Total Return)
Athene Ascent ProSM— - Additional Features and Benefits: 100% Terminal illness and confinement waiver: Waiver of Withdrawal Charges, Market Value Adjustment and Premium Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. (not available in CA or MA.) Full value at death: The Death Benefit paid will be the greater of the Contract’s Accumulated Value or the Minimum Guaranteed Contract Value. Premium Bonuses are 100% vested at
death.
1-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index45.00%
1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk
Control 5% Index (Total Return)50.00%
Min.$5,000NQ/Q
$1 Million Max
Premium without
Home Office Approval
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
Min.$5,000NQ/Q
$1 Million Max
Premium without
Home Office Approval
IN
FL
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
CA Only 8.3,8,7.1,6.2,5.3,4.4,3.5,2.6
,1.6,0.9 then 0%
Beginning
the first
contract
year , a 10% free annual
withdrawal is available each year throughout
the withdrawal
charge period.
MVA in all approved
states
10,10,10,10,9,8,7,6,5,4 then 0%
MVA in all approved
states except MO
Premium Bonuses vested
over the surrender charge
term
Premium Bonuses vested
over the surrender charge
term
OR
12,12,12,11,10,9,8,7,6,4, then 0%
Most States
AK,DE,HI,MN,NJ, NV,OH,PA,OK, SC,TX,UT,WA
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
FIX
ED
IND
EX
AN
NU
ITY
Ascent Pro 10 Bonus
Fixed IndexAnnuity
1.00% Premium
Bonus
A- (Strong) Fitch
FIX
ED
IND
EX
AN
NU
ITY
Ascent Pro 10 Bonus Select
Fixed IndexAnnuity
1.00% Premium
Bonus
Athene's parent
company, Athene
Holding Ltd., has $89 Billion in
assets as of 03/31/17
Athene Annuity and Life
Company West Des Moines, IA
FIXE
D IN
DEX
AN
NU
ITY
Ascent 10 Bonus
2.0Fixed Index
Annuity
1.00% Premium
Bonus
1-Year No Cap PTP Index (Participation Rate)-Morningstar Divdend
Yield Focus Target Volitility 5 Index45.00%
1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk
Control 5% Index (Total Return)50.00%
A (Excellent) from
A.M. Best
Min.$5,000NQ/Q
$1 Million Max
Premium without
Home Office Approval
ProductsRates Effective 8/14/2017 Withdrawal
ProvisionSurrender
Charge(Rates Subject to Change)Minimum
GuaranteeMinimum Premium
Iss. Age
Comm. Rev.
1-27-17Features Rev. 1/27/2017
Athene Ascent Income Required
Rider Two choices to
grow the Income
Base:
•Option 1 — Guaranteed Growth10% Income Base Bonus
and 10% Simple Interest rate yrs 1-10 & 5% Simple yrs 11-
20•Option 2 —
Powerful Stacked Rollup Option
5% Income Base Bonus and 8%
Simple Interest rate yrs 1-10 & 4%
Simple yrs 11-20, plus 200% of interest
credits.
3 Income payment options — Including a Earnings-Indexed
Income that provides clients with outstanding potential to grow their
income payments.
Income Doubler Retrictions apply.Not
approved in AK, CA, CT, DC, HI, IL, MA, NJ, PA, UT, WA
Rider fee: 1.00%
FL
Page 12Athene 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
Base Plus Plus Most StatesPremium Bonus 7.00% 12%
9% in MN15 Year 0 -70 6.50%
2-Year No Cap PTP Index (Participation Rate)- BNP
Paribas Multi Asset Diverisfied 5 Index110.00% 110.00%
2-Year No Cap PTP Index (Participation Rate)-Morningstar
Divdend Yield Focus Target Volitility 5 Index90.00% 90.00% 0 -50 6.50%
2-Year No Cap PTP Index (spread) - S&P 500 Daily Risk
Control 2 8% Index (Total Return)3.05% 3.05%
1-Year No Cap PTP Index (Participation Rate)- S&P 500
Daily Risk Control 2 5% Index (Total Return)45.00% 45.00% 0 -47 6.50%
1-Year PTP Index (cap) S&P 500 4.25% 4.25%1-Year Monthly Cap Index (cap) S&P 500 1.75% 1.75% 0 -64 6.50%Fixed Strategy (1-year) 1.55% 1.55%
Base Plus Most StatesPremium Bonus 4%
2% in CA9%
6% in CA10 Year 0-70 6.50%
71-75 6.00%76-78 5.00%
2-Year No Cap PTP Index (Participation Rate)-Morningstar
Divdend Yield Focus Target Volitility 5 Index80.00% 80.00%
2-Year No Cap PTP Index (spread) - S&P 500 Daily Risk
Control 2 8% Index (Total Return)3.80% 3.80% Base
CA Only 8.3,8,7.1,6.2,5.3,4.4,3.5,2.6
,1.6,0.9 then 0%0 -55 6.50%
1-Year No Cap PTP Index (Participation Rate)- S&P 500
Daily Risk Control 2 5% Index (Total Return)40.00% 40.00%
Premium Bonuses vested
over the surrender charge
term
1-Year PTP Index (cap) S&P 500 3.75% 3.75% 0 -52 6.50%1-Year Monthly Cap Index (cap) S&P 500 1.65% 1.65%
Fixed Strategy (1-year) 1.30% 1.30% 0 -64 6.50%Base Plus 10 Year - Select
Premium Bonus PE10 Select 2.00% 6.00% 65-70 6.50%Premium Bonus PE10 Pro For MD & FL ages 65-78 only
2.00% 7.00% 71-75 6.00%2-Year No Cap PTP Index (Participation Rate)- BNP
Paribas Multi Asset Diverisfied 5 Index95.00% 95.00% 10 Year - Pro 76-78 5.00%
2-Year No Cap PTP Index (Participation Rate)-Morningstar
Divdend Yield Focus Target Volitility 5 Index80.00% 80.00%
56-70 6.50%71-75 6.00%
1-Year No Cap PTP Index (Participation Rate)- S&P 500
Daily Risk Control 2 5% Index (Total Return)40.00% 40.00% Premium Bonuses vested over the
surrender charge term 76-78 5.00%1-Year PTP Index (cap) S&P 500 3.75% 3.75%1-Year Monthly Cap Index (cap) S&P 500 1.65% 1.65%Fixed Strategy (1-year) 1.30% 1.30% 53-70 6.50%
71-75 6.50%76-78 5.00%
0-70 6.50%71-75 6.50%76-78 5.00%
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.
A- (Strong) Fitch
A- ("Strong") S&P
100% Terminal illness and confinement waiver: Waiver of Withdrawal Charges, Market Value Adjustment and Premium Bonus Vesting Adjustment are available in the event of
terminal illness and/or confinement into a qualified care facility. (not available in CA or MA.)
Full value at death: The Death Benefit paid will be the greatest of the Contract’s Accumulated Value, the Minimum Guaranteed Contract Value, or Return of Premium. Premium
Performance Elite 10
Select/Pro
Fixed IndexAnnuity
up to
7.00% Premium
Bonus2-Year No Cap PTP Index (spread) - S&P 500 Daily Risk
Control 2 8% Index (Total Return)3.80% 3.80%
2-Year No Cap PTP Index (Participation Rate)- BNP
Paribas Multi Asset Diverisfied 5 Index95.00% 95.00%
FIX
ED
IND
EX
AN
NU
ITY
Beginning
the first
contract
year , a 10% free annual
withdrawal is available each year throughout
the withdrawal
charge period.
Cumulative to 20% if no withdrawals
are taken the prior year.
Premium Bonuses vested
over the surrender charge
term
Performance Elite 10
Fixed IndexAnnuity
up to
9.00% Premium
Bonus
NJ,NV,OK,TX (Select)
AK,DE,MN,OH, PA,SC, UT,WA (Select)
MD (Pro)
10,10,10,10,9,8,7,6,5,4 then 0%
Beginning the second
contract year, a 5% free annual withdrawal is available each year throughout
the withdrawal
charge period.
FL
87.5% of premium
minus withdrawals, accumulated
at the Minimum
Guaranteed Contract Rate
Min.$25,000NQ/Q
$1 Million Max
Premium without
Home Office Approval *$5,000
Min.
Premium in
PA, TX and
WA
FL (Pro)
8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,1.6,0.9 then 0%
Performance Elite Annuity Series - Additional Features and Benefits:
MVA in all approved
states except
MD,MN,MO,PA,WA
Products Rates Effective 8/14/2017 Withdrawal Provision
Surrender Charge(Rates Subject to Change)
Minimum Guarantee
Minimum Premium
Iss. Age
Comm. Rev. 1-16-17 Features Rev. 10-1-15
Athene's parent
company, Athene Holding Ltd., has
$89 Billion in assets as of 03/31/17
Athene Performance Elite Plus ... for growth + liquidity•Enhanced Premium Bonus•Up to 10% free withdrawals per year, available immediately•Up to 20% free if no withdrawals are taken in the prior year•Return of Premium Benefit available after the fourth contract year•Liquidity Rider is attached to all Plus versions of the Performance Elite Series. 95
bps annual fee
Athene Performance Elite ... for growth•4 indexed crediting strategies – including 2 new no cap risk controlled strategies linked to the S&P 500 Daily RC2 8% Index. •Strong premium bonus
FIX
ED
IND
EX
AN
NU
ITY
MVA in all approved
states except
MD,MN,MO,PA,WA
NJ,NV,OK,TX
AK,DE,MN,OH, PA,SC,UT,WA
87.5% of premium
minus withdrawals, accumulated
at the Minimum
Guaranteed Contract Rate
Min.$25,000NQ/Q
$1 Million Max
Premium without
Home Office Approval *$5,000
Min.
Premium in
PA, TX and
WA
Most States
FL FIXE
D IN
DEX
AN
NU
ITY Performance
Elite 15 Fixed Index
Annuityup to
12.00% Premium
Bonus
87.5% of premium
minus withdrawals, accumulated
at the Minimum
Guaranteed Contract Rate
Min.$25,000NQ/Q
$1 Million Max
Premium without
Home Office Approval *$5,000
Min.
Premium in
TX
Most States
12,12,12,11,10,9,8,7,6,4, then 0%
Athene Annuity and Life
Company West Des Moines,
IA
15,15,14,14,13,13,12,11,10,9,8,7,6,5,4, then
0%
AK,NJ, NV, PA, SC, TX
DE, MN, OH
A (Excellent)
from A.M. Best
MVA in all approved
states except MD,MN,
MO
Page 13Athene 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
RetireChoice 14® Base Contract
FPDA 14 Year 0-75 7.00%S&P 500® Annual Monthly Average Particaption rate 75.00% 70.00%
S&P 500® Monthly Point-to-Point (Monthly Cap) 2.25% 2.15%S&P 500® Biennial Point-to-Point (2yr cap) 11.05% 10.10%S&P 500® Annual Point-to-Point (1yr cap) 5.50% 5.15%
S&P 500® Inverse Performance Trigger (Trigger Rate) 5.25% 4.90%S&P 500® Low Volatility Daily Risk Control 5% with Margin 1.30% 1.60%
S&P 400®Annual Monthly Average Particaption rate 65.00% 60.00%S&P 400® Annual Point-to-Point (1yr cap) 4.40% 4.10%
DJIA® Annual Monthly Average Particaption rate 75.00% 70.00% + or - DJIA® Annual Point-to-Point (1yr cap) 4.65% 4.25%
Nasdaq-100® Monthly Point-to-Point (Monthly Cap) 1.85% 1.70% Nasdaq-100® Annual Point-to-Point (1yr cap) 4.45% 4.10%
Fixed Account rate (1yr Declared rate) 2.60% 2.45%
RetireChoice 10® Base Contract 10 Year
FPDA 0-75 7.00% NEW LPA Reserve
S&P 500® Annual Monthly Average Particaption rate 70.00% 60.00% 76-79 5.250% 105 bps rider charge
S&P 500® Monthly Point-to-Point (Monthly Cap) 2.00% 1.80%
S&P 500® Biennial Point-to-Point (2yr cap) 8.10% 7.05% CA Only
S&P 500® Annual Point-to-Point (1yr cap) 5.00% 4.55% 10 YearS&P 500® Inverse Performance Trigger (Trigger Rate) 4.60% 4.10%
S&P 500® Low Volatility Daily Risk Control 5% with Margin 2.20% 2.55%S&P 400®Annual Monthly Average Particaption rate 55.00% 50.00%
S&P 400® Annual Point-to-Point (1yr cap) 3.20% 2.75%DJIA® Annual Monthly Average Particaption rate 70.00% 60.00% + or -
DJIA® Annual Point-to-Point (1yr cap) 3.35% 2.90%
Nasdaq-100® Monthly Point-to-Point (Monthly Cap) 1.40% 1.30%
Nasdaq-100® Annual Point-to-Point (1yr cap) 3.25% 2.80%
Fixed Account rate (1yr Declared rate) 2.00% 2.00%
Income Plus Rider Only Available on
policies without the ABR
With optional Additional
benefit rider (ABR)
New Income Pay Plus Guaranteed
Minimum Withdrawal Benefit
(GMWB)
6.00% Roll-Up for 10
Years
VA commissions will be reduced by
1%.
$20,000 NQ or Q
Optional Additional Benefit Rider (ABR)
Minimum Premium
Iss. Age
Comm. Rev.
2-14-17
Features Rev. 12-3-16
Minimum GuaranteeProducts Rates Effective 8/8/2017 Withdrawal
ProvisionSurrender
Charge
“A+” (Strong) by Standard &
Poor’s.
Interest
Adjustment
“A+” (Strong) by FItch
10, 10, 10, 10, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1,
then 0%
FIX
ED
IN
DE
X A
NN
UIT
Y
NORTH AMERICAN
8% Premium Bonus*
A+ (Superior) by
A.M. Best
on all Premiums paid in the 1st 5
yrs
* with optional additional Benefit Rider (ABR) (3%
without)
10.00% of Accumulation
Value Annually After
the 1st Yr.
High Band
$250,000+
CREDITING METHODS & INDEXED ACCOUNTS
LBMA Afternnon (PM) Gold Price Annual Point-to-Point (1yr cap) 5.00% 4.85%
Founded in 1886 as North
American Accident Association
$22.1 billion in assets as of
December 31, 2016
5.00% Premium Bonus*
FIX
ED
IN
DE
X A
NN
UIT
Y
Most States
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
on all Premiums paid in the 1st 5
yrs
OH, OK commissions will be
reduced by 0.50%.
VA commissions will be reduced by
1%.
* with optional additional Benefit
Rider (ABR) (2.00% without)
Interest
Adjustment
LBMA Afternnon (PM) Gold Price Annual Point-to-Point (1yr cap)
10.00% of Accumulation
Value Annually After
the 1st Yr.
$20,000 NQ or Q
3.80% 3.25%
20.00% of Accumulation
Value After the 3rd yr. in years
where no withdrawals were
made in the previous year
20.00% of Accumulation
Value After the 3rd yr. in years
where no withdrawals were
made in the previous year
Low Band $20,000-249,999
• Rider cost is 0.60% (14-Year) of Accumulation Value
• Premium bonus increases from 3% to 8% for the 14-
Year.
• Beginning in year 3, 10% penalty-free withdrawal
increases to 20% (maximum) if no withdrawals taken
in previous year.
• Return of premium is available in the third contract
year (available all years in CA)
• 4% (14-Year) Additional Payout Benefit is available
on Accumulation Value at payout.
Max issue age in FL is 64 unless
client is an accredited investor
Most States
UT commissions will be reduced by
1.50%.
Premium Bonus Recapture applies
over surrender charge term
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
Max issue age in TX is 54.
Max issue age in CA is 52.
10, 10, 9, 9, 8, 8, 7, 6, 4, 2,
then 0%
8, 7.45, 6.5, 5.5, 4.55, 3.55, 2.55, 1.55, 0.50, 0.44,
then 0%
CREDITING METHODS & INDEXED ACCOUNTS
Full
Accumulation
Value at death.
Built-in Nursing Home Multiplier
Penalty-Free Withdrawal Friendly
Roll-Up
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.
High Band
$250,000+
Low Band $20,000-249,999
Optional Additional Benefit Rider (ABR)
Effective: 7/19/16 Income Pay Plus/Income Pay will be available on the NAC RetireChoice® fixed index annuity ONLY when the optional Additional Benefit Rider (ABR) is NOT elected
• Rider cost is 0.55% (10-Year) of Accumulation Value
• Premium bonus increases from 2.5% to 5% for the
10-Year.
• Beginning in year 3, 10% penalty-free withdrawal
increases to 20% (maximum) if no withdrawals taken
in previous year.
• Return of premium is available in the third contract
year (available all years in CA)
• 5% (10-Year) Additional Payout Benefit is available
on Accumulation Value at payout.
Premium Bonus Recapture applies
over surrender charge term
NEW Lifetime Payment Amount
(LPA) Options (level or increasing)
With optional Additional
benefit rider (ABR)
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% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
Page 14 North American 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
Charter Plus SM 14 FPDA 14 Year 0-75 7.00%
Premium Bonus 10.00% 8.00%
S&P 500® Annual Daily Average with Margin (1yr) 1.85% 1.85%S&P 500® Monthly Point-to-Point (Monthly Cap) 1.80% 1.80%
S&P 500® Annual Point-to-Point (1yr cap) 4.45% 4.45%S&P 500® Annual Point-to-Point (1yr Particapation Rate) 40.00% 40.00%
+ or - Nasdaq-100® Monthly Point-to-Point (Monthly Cap) 1.40% 1.40%
Fixed Account rate (1yr Declared rate) 1.90% 1.90%
Charter Plus SM 10
CREDITING METHODS & INDEXED ACCOUNTS 10 Year
FPDA AK, CA, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX,
UT, VA, WA Click Here for State specific rates0-75 7.00%
Premium Bonus 7.00% 5.00% 76-79 5.250%S&P 500® Annual Daily Average with Margin (1yr) 3.05% 3.05%
S&P 500® Monthly Point-to-Point (Monthly Cap) 1.45% 1.45%
S&P 500® Annual Point-to-Point (1yr cap) 3.30% 3.30%
S&P 500® Annual Point-to-Point (1yr Particapation Rate) 30.00% 30.00%
Nasdaq-100® Monthly Point-to-Point (Monthly Cap) 1.30% 1.30%Fixed Account rate (1yr Declared rate) 1.30% 1.30%
+ or -
High Band
$75,000+
S&P 500® 5% Volatility Daily Risk Control with Margin (1yr)
2.45% 2.45%
S&P 500® 8% Volatility Daily Risk Control with Margin (2yr) Annual Index margin shown
3.35% 3.35%
on all Premiums paid in the 1st 7
yrs
0.95%
3.90%
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.
CA Only: 10 Year
8%, 7.45%, 6.5%, 5.5%, 4.55%,
3.55%, 2.55%, 1.5%, 0.50%,
0.44%, then 0%
S&P 500® 5% Volatility Daily Risk Control with Margin (1yr)
3.90%
Market Value
Adjustment
S&P 500® 8% Volatility Daily Risk Control with Margin (2yr) Annual Index margin shown
Founded in 1886 as North
American Accident Association
**for Intial Premiums of $75K or more. 5% bonus for less than $75K
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
Most States
$22.1 billion in assets as of
December 31, 2016
7.00% Premium Bonus**
10.00% of Accumulation
Value Annually After
the 1st Yr.
RMDs: Surrender Charges,
premium bonus Recapture and
MVA will be waived for IRS
required minimum
distributions.
Low Band
$20,000-74,999
0.95%FIX
ED
IN
DE
X A
NN
UIT
Y
“A+” (Strong) by FItch
Premium Bonus Recapture applies
over surrender charge term
RMDs: Surrender Charges,
premium bonus Recapture and
MVA will be waived for IRS
required minimum
distributions.
FIX
ED
IN
DE
X A
NN
UIT
Y
NORTH AMERICAN
10.00% Premium Bonus* 12, 12, 11, 11,
10, 9, 8, 7, 6, 5, 4, 3, 2, 1,
then 0%
*for Intial Premiums of $75K or more. 8% bonus for less than $75K
“A+” (Strong) by Standard &
Poor’s.
Market Value
Adjustment
A+ (Superior) by
A.M. Best
on all Premiums paid in the 1st 7
yrs
CREDITING METHODS & INDEXED ACCOUNTS
Minimum Guarantee
Full Accumulation Value at death. 10.00% of
Accumulation Value Annually
After the 1st Yr.
Effective 7/19/16: Income Pay® Plus/
Income Pay®
Guaranteed Lifetime Withdrawal Benefit
Riders will no longer
be available on North American Charter
Plus fixed index
annuity.
Minimum Premium
Iss. Age
Comm. Rev.
9-1-16Features
Premium Bonus Recapture applies
over surrender charge term
Max issue age in CA is 52
10, 10, 9, 9, 8, 8, 7, 6, 4, 2,
then 0%
$20,000 NQ or Q
$20,000 NQ or Q
Max issue age in NH is 74
Products Rates Effective 8/8/2017 Withdrawal Provision
Surrender Charge
High Band $75,000+
Low Band $20,000-74,999
MinimumGuaranteed
Interest:1%
MinimumGuaranteeSurrender
Value:Accumulation
87.5% ofpremiums,
lesswithdrawalproceeds,
at 1%Interest,
compoundedannually
Most States
Max issue age in FL is 64 unless
client is an accredited investor
Max issue age in IN is 74
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% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
Page 15 North American 9/7/2017
888.661.1999 September Spreadsheet http://annuity1.com
N/A 2.35%4.25% N/A
1.70% N/A
N/A 2.20%4.00% N/A
1.60% N/ANursing Care Waiver
1.60% 1.35%0.95% 0.95%
Income Rider Included
in all Plans:
Guaranteed Lifetime Withdrawal Benefit
(GLWB)Two choices to grow the
Income Base:•Option 1 —
Guaranteed Growth10% Simple Interest rate (continues to rollup until
client elects income)•Option 2 — Powerful Stacked Rollup Option7.50% Simple Interest
rate plus interest credits.(continues to
rollup until client elects income)
Rider Charge 105 bps
Terminal Illness Waiver
1.75%
Three Year Point-to-Point – Barclays
ARMOUR II VC Index with SpreadN/A 2.25%
10-year
+/-MVA
9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0%
CA ONLY 9-year
+/-MVA9, 8, 7, 6, 5, 4,
3, 2, 1, 0%
Choice Income 7 Cap Rate
Spread/ Interest
RateOne -Year Fixed Rate
Annual Point to Point with Cap
87.5% of the
premiums paid, less
withdrawals and
rider charges,
compounded at the
applicable Minimum
Guaranteed
Contract Withdrawal
Value Interest
Rates, ranging from
0% to 3%.
Cap Rate
Spread/ Interest
RateChoice Income 10
87.5% of the
premiums paid, less
withdrawals and
rider charges,
compounded at the
applicable Minimum
Guaranteed
Contract Withdrawal
Value Interest
Rates, ranging from
0% to 3%.
Annual Guaranteed Lifetime Income Benefit Plus Rider Charge
1.30%
Two Year Point-to-Point – BlackRock
Diversa VC Index with SpreadN/A 2.25%
Three Year Point-to-Point – Barclays
ARMOUR II VC Index with SpreadN/A 2.75%
7-year
+/-MVA
9, 8, 7, 6, 5, 4, 3 then 0%
$10,000NQ - Q
Minimum Guarantee
Iss. Age
150% income boost based on
the initial premium received and applied to
the GLIAV.
2.75%
$25,000NQ - Q
Comm. Rev. 7-17
• 10% of the beginning-of-year Contract Value after the first contract year can be
withdrawn each year without
incurring withdrawal charges.
Features
55-75
Choice Income 10 Option A
(Trail options Available)
50-80
Choice Income 7 Option A
(Trail options Available)
5.00%50-80
7.00%
5.00%81-85
7.00%• 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%
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%.
81-85
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.
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%
Two Year Point-to-Point – BlackRock
Diversa VC Index with Spread4.00% 5.50%
6.00%
Forethought is a
subsidiary of
Global Atlantic
Financial Group
Limited, a
multiline
insurance and
reinsurance
company with
over $50 billion
in assets (as of
12/31/2016)
150% Income Boost Monthly Point-to-Point with Cap (Annual
Reset) 1.55%
INCOME 150+℠$25,000 - $99,999
Fixed Account Strategy
FIX
ED IN
DE
X A
NN
UIT
Y
Monthly Point-to-Point with Cap (Annual Reset)
Annual Point to Point with Cap
Income 150+SM ULTRA BAND
2.75%Three Year Point-to-Point – ARMOUR II
Index with Spread8.00%
Monthly Point-to-Point with Cap (Annual Reset)
$25,000NQ - Q
Current Interest Rates (Effective 9/1/2017)
Withdrawal Provision
Surrender Charge
$100,000 plus
• 10% of the beginning-of-year Contract Value after the first contract year can be
withdrawn each year without
incurring withdrawal charges.
Minimum Premium
One -Year Fixed RateAnnual Point to Point with Cap
Two Year Point-to-Point – BlackRock
Diversa VC Index with Spread
HIGH BAND
A-
FIX
ED IN
DE
X A
NN
UIT
Y
A.M. BEST RATING
Products
Annuities are issued by
Forethought Life Insurance Company
N/A
A- ("Strong")
S&P
$24.9 Billion in Assets
under manangement as
of 12/31/16
FIX
ED IN
DEX
AN
NU
ITY
3.25%
Page 16 FORETHOUGHT 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
S&P 500® 1-Year Point-to-Point Cap 4.25%Fixed Interest Option, 1 Year 1.90%
GS Momentum Builder Multi-Asset Class Index, 3 year 115%GS Momentum Builder Multi-Asset Class Index, 2 year 90%GS Momentum Builder Multi-Asset Class Index, 1 year 65%
Roll-up Base:
S&P 500® 1-Year Point-to-Point Cap 4.00%Fixed Interest Option, 1 Year 1.80% Covered Person
45-60: 7% Roll-up
61-74: 8% Roll-up75-90: 9% Roll-up
GS Momentum Builder Multi-Asset Class Index, 3 year 110%GS Momentum Builder Multi-Asset Class Index, 2 year 85%GS Momentum Builder Multi-Asset Class Index, 1 year 60%
Guaranteed Rate Options (GRO) Rates 4 Year4-Year GRO First year Rate 2.10% 8%, 8%, 7% 7% 0 -75 2.00%4-Year GRO Rate 2-4 Years 1.10% 76-85 1.50%
4-Year GRO Average Annual Rate 1.35% 5 Year 86-89 1.20%5-Year GRO First year Rate 2.45% 8%, 8%, 7% 7% 6%
5-Year GRO Rate 2-5 Years 1.45% 0 -75 2.50%5-Year GRO Average Annual Rate 1.65% 7 Year 76-85 2.00% Limited Life Expectancy
86-89 1.70%7-Year GRO First year Rate 3.00%7-Year GRO Rate 2-7 Years 2.00% 0 -75 3.00%
7-Year GRO Average Annual Rate 2.14% 10 Year 76-85 2.20%10-Year GRO First year Rate 3.30% 86-89 1.80% Full Annuiitzations
10-Year GRO Rate 2-10 Years 2.30%10-Year GRO Average Annual Rate 2.40% MVA + or - 0 -75 3.50%
76-85 2.70%86-89 2.00%
Required Minimum Distrutions
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.
Min.
$20,000
NQ/Q
$1 Million Age
18-75 $750K
Age 75-85
Max Premium
without Home
Office
Approval
1.00% Min
Renewal
after the
Intial rate
guarantee
term
5-Year GRO
Death Benefit The beneficiary will be paid the Accumulation value as of the date of
death.
7-Year GRO
4-Year GRO
10-Year GRO
SPDA
Integrity MultiVantage®
MYGA
8%, 8%, 7% 7% 6% 5% 4% 3% 2% 1%
8%, 8%, 7% 7% 6% 5% 4%
FIX
ED
AN
NU
ITY
Guaranteed
Minimum Surrender
Value:87.5% of
premium minus
withdrawals,
accumulated at the
Minimum Guaranteed
Contract Rate
currently 1%
10 YearInterest Rate Cap/Interest
Rate
Withdrawal Charge
Waivers
Confinement to a Nursing home, hosptial, or Licensed Health care Facility. No age
limit
Min.$15,000NQ/Q
$1.5 Million Age 18-75 $750K Age 76-85 Max Premium without
Home Office Approval
18 -75
Trail Options Available
10.00%of Account
Value Available Immediately
and every year
thereafter Systematic
withdrawals also
available
76-85
Min.$15,000NQ/Q
$1.5 Million Age 18-75 $750K Age 76-85 Max Premium without
Home Office Approval
18 -75
76-85
Guaranteed Minimum Account
Value Benefit:
(If held to the end of the surrender
charge term)7-Year: 107%
10-Year: 110%
Trail Options Available
NO Commission
Chargebacks at
Death
9%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3, 2%, 1% then 0
%
7 YearInterest Rate Cap/Interest
Rate
10.00%of Account
Valueyears 2+
10.00%of Account
Valueyears 2+
9%, 8.5%, 8%, 7%, 6%, 5%, 4%
then 0 %
Allocation Options Point to Point, NO cap Participation Rate
Allocation Options Point to Point, NO cap Participation Rate
Allocation Option
Parent company, Western & Southern
Financial Group, has $45.5 Billion
in assets as of 5/22/17
Founded in 1888 as
The Western and Southern Life
Insurance Company
Surrender Charge(Rates Subject to Change)
Minimum Guarantee
Minimum Premium
SPDA
IndextraTM
Fixed IndexAnnuity10 Year
Allocation OptionFI
XED
IND
EX A
NN
UIT
Y
SPDA
IndextraTM
Fixed IndexAnnuity7 Year
Integrity Life Insurance Company,
Cincinnati, OH
A+ (Superior)
from AM Best
FIX
ED
IND
EX
AN
NU
ITY
AA (Very Strong)
from Standard &
Poors's
AA (Very Strong)
from Fitch
Aa3 (Excellent)
from Moody's
96 Comdex Rating!
Products Rates Effective 9/1/2017 Withdrawal Provision
Attained Age of
Younger
Annual Roll-up is
simple interest
6.50%
Comm. Features
Full Value at Death
5.25%
4.25%
IndextraTM
GuaranteedLifetime Withdrawal
Benefit Rider (95 bps rider cost)
up to 9.00% Annual Roll up for
10yrs
NO Commission
Chargebacks at
Death
5.00%
Iss. Age
Page 17 Integrity Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
$2,000
Qualifed76-85 3.00%
NO MVA
4Not Available in SD.
$500,000 76-85 2.50%
A.M. Best Per owner
Per year
$10,000-99,999
Most states $10,000
4.10% Qualifed
4.50%4.10%
Bellevue, WA 4.50%1.65%
$100,000+
A.M. Best5.30% Issue Ages 0-75
7.00%5.30%6.25% Rollup Period 10 years
2.15% MVA + or - Rider Charge 0.90% of EDB Amount
annually
Established in 1957
20%2
1-year term declared fixed rate
7-Year Surrender
Option. 5 year surender
version also available
Confinement Illness Waiver4 of surrender charges(100.00% access after 90-Day Confinement )
Sagicor Life Insurance Company
Annual Pt to Pt with a Cap or Non-Qualifed
4.00% upfront,
fully vested bonus
Global Advantage Indexed 1-year term with Participation Rate
S&P 500® Index 1-year term with Cap
4.00%1
FIX
ED
IND
EX
AN
NU
ITY
SAGE SELECT
SPDAFixed
Indexed Annuity
Interest Crediting Strategy Great Liquidity: 10% Cumulative to 50% withdrawals
3Minimum Declared Interest Rate is 1.5%
10% of Account Value,
AFTER 1st Policy Year, cumulative
to a maximum
of 50%
9 year87.5% of premiums paid, plus
4.00% bonus, accumulated
at 3.00%, adjusted by
net wtihdrawals
Minimum Premium
Commission rates above are
effective 6-1-17Rev. 1-23-2017
0-75 4.50%
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.
2.00%3
Interest Crediting StrategyCap/Fixed
rate
Minimum Premium Iss. Age Comm. Features
76-85 2.50%
Cap/Fixed rate
Purchase Payment
Symetra Edge Pro® 7Fixed
Indexed Annuity
Interest Crediting Strategy
Full Accumulation Value at Death (Base
Contract)Enhanced Death
Benefit Rider
Annual Rollup Percentage:
7% simple interest
10% of Contract
Value, AFTER 1st Policy Year
Nursing Home and
Hospitalization Waiver (100.00% access after 90-Day
Confinement )
7 year
9% 8% 7% 7% 6% 5% 4% then 0%
Sagicor Life Insurance Company has approximately
$1.2 billion in assets as of 12/31/15
A- (Excellent)
9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% then
0%
Cap/Par rate/Fixed
rate
Fixed Rate
1Minimum Cap is 2%, 100% Participation Rate
2Minimum Participation Rate is 20%
Products Current Interest Rates Effective 10-08-16
Withdrawal Provision
Surrender Charge
Minimum Guarantee
Minimum Premium Iss. Age Comm. Features
Full Accumulation
Value at Death
Electronic Applications
(E-app)
0-75 6.00%
Paper Applications
FIX
ED
IND
EX
AN
NU
ITY
Fixed Account
Symetra Financial
Corporation has
approximately $40.3
billion in assets as of
12/31/16
Austin, Texas Maximum Premium . No
Exceptions
S&P 500® Point-to-Point S&P 500® Monthly Average
MSCI EAFE Index Point-to-Point
MSCI EAFE Index Monthly Average
Symetra Life Insurance Company
A (Excellent)
Purchase Payment
S&P 500® Point-to-Point S&P 500® Monthly Average
MSCI EAFE Index Point-to-PointMSCI EAFE Index Monthly Average
Fixed Account
Products Current Interest Rates Effective 8-22-17
Global Look back Annual Pt to Pt with Par rate
Withdrawal Provision Surrender Charge Minimum
Guarantee
1% on 100% of Premium
Minimum Premium
or Non-Qualifed
0-75 4.50%
AK, IA, IL, IN, MN, MD, MS, MO, OH, and PA
7%, 6%, 5%, 4%, 3%, 2%, 1%,then 0%.
CA only
9%, 8%, 7%, 6%, 5%, 4%, 3%, then 0%.
Page 18 Sagicor-Symetra 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
Most States Version Index Account Spread
Rate 10 Year
Monthly Cap - S&P 500® N/A 15,0001 yr Point to Point - S&P 500® N/A
Personal 2 yr Point to Point - S&P 500® N/A NQ & Q 76 - 80 5.00%Income 1 yr Point to Point - S&P 500® N/AAnnuity 2 yr Point to Point - S&P 500® N/A MVA + or -
Hartford, CT 1-Year CSTMAI 4.25%2-Year CSTMAI 4.00%
Fixed Account N/AB A.M. Best
BB- S&P Index Account Spread Rate 10 Year
Monthly Cap - S&P 500® N/A1 yr Point to Point - S&P 500® N/A 15,000
Personal 2 yr Point to Point - S&P 500® N/A 76 - 80 4.75%
Income 1 yr Point to Point - S&P 500® N/A NQ & Q
Annuity 2 yr Point to Point - S&P 500® N/A 1-Year CSTMAI 5.25% 2-Year CSTMAI 5.50%
Fixed Account N/A MVA + or -
10 Year
HighBand Low Band HighBand Low Band
Monthly Cap - S&P 500® N/A1 yr Point to Point - S&P 500® N/A 15,000 76 - 80 5.00%
Personal 2 yr Point to Point - S&P 500® N/AIncome 1 yr Point to Point - S&P 500® N/A MVA + or - NQ & Q
Annuity 2 yr Point to Point - S&P 500® N/A 1-Year CSTMAI 5.25%
2-Year CSTMAI 5.50%
Fixed Account N/A Rider Fee: 0.95%
Free Supplemental E&O coverage
covers insolvency up to
$1 million per client, $5 million
per agent
1.25% N/A
The Version above is approved in AK, MN, MO, NC, NJ, OR, VA, and WA
Participation Rate
Phoenix 10, 9, 8, 7, 6, 5, 4, 3,
2, 1, then 0%
N/A N/AN/A N/A
2.25% N/A4.75% N/A
N/A 32.00%N/A 25.00%
Index Account
N/A
Assets held by a separate
account from general account
FIX
ED
IN
DE
X A
NN
UIT
Y
Cap Rate
Rider Income available
Immediately No wait!
N/A N/A
The Version above is approved in AL, AR, AZ, CA, CO, DC, FL * 0-64, GA, HI, ID, IL, KS, LA, MA, MI, MT, NE, NM, ND, RI, SC, TN, VT, WV, WI, and WY
FIX
ED
IN
DE
X A
NN
UIT
Y
N/A
Up to 10% in free
withdrawals after 1st yr
N/A N/AN/A N/A
N/A
0 - 75 7.25%
0 - 75 7.00%
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 in years 3-10 or until rider exercise Rider Fee: 0.95%
Most States
The Version above is approved in CT, DE, FL * 65+, IN, IA, KY, MD, MS, NV, NH, OH, OK, PA, TX and UT
N/A 39.00%
Founded in 1851
1.25%
12, 12, 12, 11,10, 9, 8, 7,
6, 4, then 0%
N/AUp to 10% in
free withdrawals after 1st yr
The Phoenix Companies,
Inc.
1.05%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%
Spread Rate
0 - 75 7.00%
Up to 10% in free
withdrawals after 1st yr
Income Tommorrow
Rider
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%
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.
Products Withdrawal Provision
Surrender Charge
Current Interest Rates , Product Names, and Features Effective September 1, 2017
$19 Billion in Total Statutory
Assets as of
June 30, 2017
Phoenix 2.25%N/A
4.75% N/A
N/A N/A
Cap Rate Participation Rate
0.85%
0.85%
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. Indexed accounts may not be available in all states . CSTMAI is the CS Tactical Multi
Asset Index managed by Credit Suisse
Min. Prem.
Iss. Age
Comm. Eff. 10/3/11
Features
FIX
ED
IN
DE
X A
NN
UIT
YCap Rate
Phoenix
Participation Rate
TGV (Total Guaranteed
Value) is equal to 87.5% of the single premium,
accumulated at the
TGV Rate which is set at issue and ranges from 1% to 3%
25.00%N/A 32.00%
N/A
5.75% N/A2.75% N/A
TGV
N/A 30.00%
1.50% N/A
Page 19 Phoenix 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
Most States Version Index Account Cap Rate Par Rate Spread
Rate Cap Rate Par Rate Spread Rate 10 Year
Monthly Cap - S&P 500® 1.40% N/A N/A 1.20% N/A N/A 15,000 0 - 75 7.25%1 yr Point to Point - S&P 500® 3.75% N/A N/A 3.25% N/A N/A 76 - 80 5.00%
Personal 2 yr Point to Point - S&P 500® 8.00% N/A N/A 7.00% N/A N/A 12, 12, 12, 11,10, 9, 8, 7, 6, 4, then 0%
Hartford, CT Protection 1 yr Point to Point - S&P 500® N/A 40.00% N/A N/A 35.00% N/A For CT, FL * 65+, DE, IA, IN, MS, MT, NH, NV, OK, PA, UT
Choice 2 yr Point to Point - S&P 500® N/A 51.00% N/A N/A 45.00% N/A 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0% 0 - 75 7.00% 1-Year CSTMAI N/A N/A 2.50% N/A N/A 3.25%
B A.M. Best Annuity 2-Year CSTMAI N/A N/A 1.50% N/A N/A 2.50% 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%
BB- S&P Fixed Account 1.95% N/A N/A 1.70% N/A N/A MVA + or -
Index Account Spread Rate 10 Year
Monthly Cap - S&P 500® N/A1 yr Point to Point - S&P 500® N/A 15,000 0 - 75 7.00%
Personal 2 yr Point to Point - S&P 500® N/A 76 - 80 5.00%
Protection 1 yr Point to Point - S&P 500® N/A MVA + or -
Choice 2 yr Point to Point - S&P 500® N/AAnnuity 1-Year CSTMAI 3.25%
2-Year CSTMAI 2.50%Fixed Account N/A
Income Today Rider Bonus if withdrawals begin in Year 1 30% Year 2 37.5% Year 3 45.0%
Income Tommorrow Rider
Rider Fees
The Phoenix Companies,
Inc.
Products Withdrawal Provision Surrender Charge
Current Interest Rates , Product Names, and Features Effective September 1, 2017
Up to 10% in free
withdrawals after 1st yr
FIX
ED
IN
DE
X A
NN
UIT
Y
Phoenix For AL, AZ, AR, CA, CO, DC, FL * 0-64, GA, HI, ID,
IL, KS, LA, MA, MI, ND, NE, NM, RI, SC, SD, TN, VT,
WV, WI, WY
Income Today
Rider
NQ and Q
Rider Income available
Immediately No wait!
Features
Most States
For CT, FL, IA, IN, MS, NV, OK, PA, UT, TX
Offers guaranteed lifetime income and an income bonus of up to 45% of your initial contract value, credited to your benefit base
Min. Prem.
Iss. Age
Comm. Eff. 9/1/17
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 AK, CA, CT, HI, IL, OR, PA, VA, and WA) TX has Care Protection for nursing home confinement only.
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
Phoenix
The Version above is approved in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, 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
Participation Rate
Plus … Provides an additional 3% simple interest roll-up to the Benefit Base in years 3-10 or until rider exercise
45.00%
1.20% N/ACap Rate
N/A
N/A7.00%
N/A
Free Supplemental E&O coverage
covers insolvency up to
$1 million per client, $5 million
per agent
Assets held by a separate
account from general account
The Version above is approved in AK, MN, MO, NC, NJ OR, VA & WA
Rid
er F
eatu
res
and
Ben
efit
sF
IXE
D I
ND
EX
AN
NU
ITY
Founded in 1851
AK, MN, MO, NC, NJ OR, VA & WA:
10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0%
N/AN/A
N/AN/AN/A
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)
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
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.
FamilyProtection
Benefit
$19 Billion in
Total Statutory
Assets as of June 30, 2017
IncomeProtection
Benefit
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 Fee is 1.00% In MN
1.70%
Up to 10% in free
withdrawals after 1st yr
For AK, MN, MO, NC, NJ OR, VA & WA
NQ and Q
Effective Sept. 11, 2017, Riders are no longer optional. A rider must be elected at issue. Maximum issue age reduced to age 80.
Income Tommorrow
Rider
35.00%
3.25%
Page 20 Phoenix 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
9.0% Bonus
Par rate/Cap Asset Fee 0-75 5.00%Austin, TX 70.00% 0.05% 76-80 3.00%
1.50% N/A
2.15% N/AExcellent
A.M. Best PremiumBonus 0-75 5.00%
2.0% Bonus 76-80 3.00%Par rate/Cap Asset Fee
75.00% 0.00%1.75% N/A
2.40% N/A
0-55 2.25%Par rate/Cap Asset Fee
95.00% 0.00%1.75% N/A 0-75 10.00%3.05% N/A 76-80 8.50%
New Option: Option J
6.75% 0.50%
0-75 9.00%76-80 7.50%81-85 5.00%
0-57 7.75%
Annual Strategy Charge
S&P 500 Annual Point-to-Point with an Annual Cap and Annual Charge50 bps "buys" a cap of 6.75% on an annual point-to-point of the S & P 500. If you don't elect option J there will be no charge.NWL projects a renewal cap of 2.50% so We are promoting this as a first year strategy or a "bridge" strategy to other possible index allocations being offering one year from now.The charge will be proportional to the allocation into the option J.
FullContractValue at Death!
Effective 8-4-17 for all approved states except
CA, DE, HI, NC, OH, PA, WA:
Income
Outlook
Plus 5 NH
Lifetime IncomeBenefit Rider5.00%
Premium Rider Bonus added to the contract and
income values and
3.00%Annual
Rollup Up New Benefit - Nursing Home Confinement
ProvisionNursing Home
Income Doubler is available for up
to 5 years (2yr wait & 90 day confinement
requirement.) with
a 150bps annual
fee. LA Commissions
1.00% HigherTX
NQ or Qualified
Non Qualified
$5,000NQ
$2,000Q
$2,000Q
0-70: 5%, 71-75: 2.5%, 76-80: 1.5%
4.44*% Guaranteed First Year Yield!2.40% 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
11.34*% Guaranteed First Year Yield!2.15% Current Fixed Value Rate Plus Non Qualified
Qualified
$5,000NQ
0-70: 5%, 71-75: 1.5%, 76-80: 0.25%WA, DE, IL, IN, MA, MN, NJ, PA
& UT ONLY)
FL Only *0-64 Max unless an accediated investor
Most States
S&P 500 Annual Monthly Average
A S&P 500 Monthly Point to Point 87.5% of
premiums
received, less
withdrawals and
withdrawal
charges,
accumulated at
the Minimum
Guaranteed
Interest Rate.
Ultra Future
S&P 500 Annual Monthly Average
MinimumGuaranteedSurrender
Value:
Current Fixed Value Rate
1.00%
PA, MA, IL, WA, MN, NJ, DE, IN, & UT Version Only
Products Current Interest Rates Effective 8/8/2017 Withdrawal Provision
Surrender Charge
Minimum Guarante
Iss. Age
Commission rev. 8-14
Features Rev 8-4-17
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
WA, DE, IL, IN, MN, MA, NJ, UT & PA
FIX
ED
IND
EX
AN
NU
ITY
S&P 500 Annual Monthly AverageUltra Classic
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%FL Only *0-64 Max unless an accediated
investor
Non Qualified
Qualified
TX
Most States
$10.8 Billion in Assets
under manangement as of Dec 31, 2016
"A" (Strong) by Standard &
Poor's.
S&P 500 Monthly Point to Point
Maximum Issue Age in CA & OH is 54 on
Ultra Future
Maximum Issue Age in CA & OH is 56 on
Ultra Classic
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.
S&P 500 Monthly Point to Point
Current Fixed Value Rate
13 Year
15,14.75,14,13,12.25,
11.25,10.5,9.75,8.75,8,6,4
,2
NO MVA
Current Fixed Value Rate
10% Account Value, free of a
withdrawal charge, once
annually AFTER 1st Policy Year,
cumulative to a maximum
of 50%or Systematic Withdrawal of
Interest After 1st Policy Year or IRA
Qualified - RMD free of a withdrawal
chargeor Systematic Withdrawal of
Interest After 1st Policy Year or IRA
Qualified - RMD free of a withdrawal
charge
1.00%
MinimumGuaranteedSurrender
Value:
Surrender Charge
Variations in FL and TX
87.5% of
premiums
received, less
withdrawals and
withdrawal
charges,
accumulated at
the Minimum
Guaranteed
Interest Rate.
Cap
Page 21 National Western 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
Performance Trigger Index Strategy 4.50% 5.25% 5.50%
10% 10% 10% Minimum Persistency
Value
3.75 5 5.5
Rider Cost: 0.85%
Performance Trigger Index Strategy 3.25% 4.00% 4.20%
10% 10% 10%Minimum Persistency
Value
3.5 4 4.25Fixed Rate Strategy 2.30% 2.30% 2.30%
Performance Trigger Index Strategy 3.35% 3.70% 3.95%
10% 10% 10%
3.25 3.75 4Fixed Rate Strategy 2.00% 2.00% 2.00% MVA + or - for 8
years
. ** Interest May be withdrawn from Fixed Rate Strategy in the first contract year.
50 bps on 100% premium is
contract is held till end of
surrender charge term
The cash surrender value
will not be less than 87.5%
of all premiums less partial
surrenders and premium
taxes, if applicable, and
accumulated at the Minimum
Guaranteed Strategy Value
rate for each strategy
elected.
Minimum Persistency
Value
$750,000 Band
Point-to-Point Cap Index Strategy 3.50% 4.25% 5.00%
Full Value at Death
Nursing Home/ Terminal Illness
Waiver(Available in all
states except MA and PA)
Income Rider
NOT available
3.75%**
2.95%**
$100,000 Band
76 - 80
No Commission
Chargeback at Death
Voya Wealth Builder Six
Annuity FLEXIBLE PREMIUM
Interest Rate Benchmark Strategy
6 Year
10%, 10%, 10%, 10%, 9%, 8% 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. ** Commission reduced in MN,NJ, OR & WA
1.85%**Additional Deposits
yrs 2-5
Min. $15,000 NQ/Q Max.
$1.5M NQ/Q
$1000 minimum subsequent
premium
MVA + or -
Min. $15,000 NQ/Q Max.
$1.5M NQ/Q
$1000 minimum subsequent premium
$750,000 Band
Multiplier
4.00% 4.75% 5.00%
Option B,C, & D Trail Options available
Cap
Multiplier
30 day Charge Free window at the end of
contract year 6 during which no MVA will be
applied
0 - 75
Option B,C, & D Trail Options available
Income Rider is not
Optional: MGWB
Base is the 2%
Guaranteed Rollup
Rate Plus Interest
Credits for up to 10
years.
Full Value at Death
3.35%** Nursing Home/ Terminal Illness
Waiver(Available in all
states except MA and PA)
Income Rider
NOT available
Cap
Surrender Charge
Minimum Guarantee
Minimum Premium
Min. $15,000 NQ/Q Max.
$1.5M NQ/Q
$1000 minimum subsequent premium
76-80
0-75
No Commission
Chargeback at Death
2.25%**
10%, 10%, 10%, 10%, 9%, 8%, 7%,
6% then 0%
8 Year 4.50%**The cash surrender value will not
be less than 87.5% of all
premiums less partial surrenders
and premium taxes, if applicable,
and
accumulated at the Minimum
Guaranteed Strategy Value rate
for each strategy elected.
50 bps on 100% premium is
contract is held till end of
surrender charge term
Additional Deposits yrs 2-5
10%, 10%, 10%, 10%, 9%, 8%, 7%,
6% then 0%
Option B,& C Trail Options available
No Commission
Chargeback at DeathMVA + or -
Iss. Age
Comm. Rev. 6-
24-15Features
50-75 5.00%** Full Value at Death
Nursing Home/ Terminal Illness
Waiver(Available in all
states except MA and PA)
Minimum Guaranteed
Withdrawal Benefit
(MGWB)
76-80 3.75%**
2.50%**Additional Deposits
yrs 2-5
Products Withdrawal Provision
Rates Effective 6/1/2017(Rates Subject to Change)
FIX
ED
IND
EX
AN
NU
ITY
A (Excellent) from A.M. Best
Interest only1st contract
year**
5.00%of Account
Valueyears 2+
FIX
ED
IND
EX
AN
NU
ITY
Voya Wealth Builder PLUS
Annuity FLEXIBLE PREMIUM
Voya Insurance and Annuity
Company Des Moines IA
Point-to-Point Cap Index Strategy
$100,000 Band
$750,000 Band
Voya Financial, Inc. (NYSE: VOYA), which is
rebranding from ING U.S., is comprised of premier retirement,
investment and insurance companies serving the financial
needs of approximately 13 million individual and institutional customers in
the United States.
A2 ("Good") Moody's
Voya Financial, Inc. has
approximately $517 billion
under management and
administration as of 6/30/17
Interest only1st contract
year**
5.00%of Account
Valueyears 2+
FIXE
D IN
DEX
AN
NU
ITY
A ("Strong") Fitch
Interest Rate Benchmark Strategy
Voya Wealth Builder Eight
Annuity FLEXIBLE PREMIUM
Interest-Crediting Strategies $15,000 Band
Interest only1st contract
year**
5.00%of Account
Valueyears 2+
Interest-Crediting Strategies
A ("Strong") S&P
Point-to-Point Cap Index Strategy
$15,000 Band
Fixed Rate Strategy 3.00% 3.00% 3.00%
50 bps on 100% premium is
contract is held till end of
surrender charge term
8 YearThe cash surrender value will not
be less than 87.5% of all
premiums less partial surrenders
and premium taxes, if applicable,
and
accumulated at the Minimum
Guaranteed Strategy Value rate
for each strategy elected.
5.75% 6.75% 7.00%
Interest Rate Benchmark Strategy
Cap
Multiplier
Interest-Crediting Strategies $15,000 Band
$100,000 Band
0-
0- 0-80
0-0-
0-
Page 22VOYA/ING 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
10 year $10,000 18-75 6.50%
76-80 5.00%MVA + or - $350,000
18-75 5.75%Terminal Illness Benefit
Home Health Care Benefit 76-80 4.25%
Nursing Home Benefit95 bps Annual Rider Charge
on Account Value
(Excellent) 10 year $10,000 A.M. Best 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 95 bps Annual Rider Charge on Account Value
10 year $20,000
18-75 6.50%
76-80 5.00%
$350,000
MVA + or - 18-75 5.75%76-80 4.25%
Full Value at Death5X5 Annuitization
• Full Account Value at Death
• Nursing Home Waiver
• Home Heath Care Waiver
• Terminal Illness Waiver
Minimum Premium
Full Value at Death5X5 Annuitization
Most states
Most states
Optional Guaranteed Lifetime Withdrawal
Benefit
6.75% Compounded Rollup for 10
years
MA, MN, MO, NJ, OK, OR, PA, WA Only
Withdrawal Provision
Surrender Charge
Monthly Average Cap 10% of your accumulated annuity value after the first
yr Waiver of Surrender/Withdrawal
Charges
Annual Pt to Pt Cap
Fixed Rate
10% 9% 8% 7% 6% 5% 4% 3%
2% 1%
2.75%
2.75%
1.55%
Systematic withdrawal of
interest in the first year8% Premium Bonus
vested over 10yrsNO MVA in MA, MN, MO, NJ, OK, OR, PA,
WA
Current Interest Rates Effective 9-1-2017Products
Oxford Life
Insurance Company
Phoenix, Arizona
FIXE
D IN
DEX
AN
NU
ITY
A-
Royal SelectFixed
Indexed Annuity
Features rev. 2/13/17
Optional Guaranteed Lifetime Withdrawal
Benefit
Minimum Premium
Minimum Guarantee
1.00% on 87.5%
Minimum Premium
6.75% Compounded Rollup for 10
years
Most states
Iss. Age Comm.
Maximum Premium
No Exceptions to Min. or
Max. Premiums
MA, MN, MO, NJ, OK, OR, PA, WA Only
1.00% on 87.5% MA, MN, MO, NJ, OK, OR,
PA, WA Only
Minimum Premium
Maximum Premium No Exceptions to Min. or Max. Premiums
Select 10Fixed Indexed
Annuity Non-Bonus
Please note: 7, 5, & 3yr versions of
the product is available
FIXE
D
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.
Waiver of Surrender/Withdrawal
ChargesMaximum Premium
No Exceptions to Min. or
Max. Premiums
10% of your accumulated annuity value after the first
yr
1.00% on 87.5%
10% 9% 8% 7% 6% 5% 4% 3%
2% 1%
Systematic withdrawal of
interest in the first year
NO MVA in MA, MN, MO, NJ, OK, OR, PA,
WA
Monthly Average Cap 4.35% 10% of your accumulated annuity value
after the first yr
Systematic withdrawal of interest in the
first year
10% 9% 8% 7% 6% 5% 4% 3%
2% 1%
NO MVA in MA, MN, MO, NJ, OK, OR, PA, WA
Annual Pt to Pt Cap 4.35%
Fixed Rate 2.35%
Assets $1.87 Billion in Assets
as of 12/31/2016
Monthly Average Cap 3.55%
For Financial Strength
FIXE
D IN
DEX
AN
NU
ITY
Fixed Rate 1.95%
Annual Pt to Pt Cap 3.55%
4% Premium Bonus
vested over 10yrs
Silver SelectFixed
Indexed Annuity 4.00%
Premium Bonus
Page 23 Oxford Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
$100K+ $15k-$99.9K
0-80
2.00% 2.00% 0-80
Portland, Oregon
A Excellent $100K+ $15k-
$99.9K 1.00%
A.M. Best 0-80
81-85
2.00% 2.00% 86-90
A2
Good $100K+ $15k-$99.9K 1.00%
Moody's 0-80
A+ 81-85
Strong 2.00% 2.00% 86-90
S&P
0-8081-8586-90
Full Accumulated Value at Death
T.I.& N.H. Waiver
90% of premiums paid, less withdrawal proceeds
Iss. Age Commissions
Interest Withdrawals
&RMD
withdrawals
5 Year8%,7%, 6%, 5%,
4% then 0%+ or - MVA
$15,000NQ or Q
Option A2.00%1.00%
Minimum Premium
0.77%No chargeback on death of an owner or
annuitant 85 or younger at issue
2.55% Guaranteed for 5 years
2.45% Guaranteed for 5 years
Withdrawal Provision
Surrender Charge
Minimum Guarantee$100K+ $15k-$99.9K
$27.5 Billion in Assets under
manangement as of
03/31/16
No chargeback on death of an owner or annuitant 85 or younger at issue
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.
FIX
ED
IND
EX
AN
NU
ITY
FIX
ED
AN
NU
ITY
Focused Growth
Annuity 5
Full Accumulated Value at Death
Nursing Home Waiver
Terminal Illness Waiver
Partial Index Credit at death or
annuitization
Guaranteed Minimum Accumulation Benefit110% of Premium Guaranteed regardless of index
performance.
Guaranteed Minimum Accumulation Benefit107% of Premium Guaranteed regardless of index performance.
$15,000NQ or Q
Plus 50 bps Trail
S&P 500 Annual Point to Point with a Cap 5.25%
Index Select
Annuity 5
S&P 500 Annual Point to Point with a Cap 4.75% 4.25%
Guaranteed Minimum Accumulation Benefit105% of Premium Guaranteed regardless of index performance.
Option B
Option C: 1% then 80 bps Trail
87% of premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
4.75%Index Select
Annuity 7
1yr Fixed Rate
Features
The Standard — Standard Insurance Company
Index Select
Annuity 10
Interest Credit Options
S&P 500 Annual Point to Point with a Cap 5.50%
1.00%
Option B & C Trail Options available
10.00% ofContract
ValueAnnually,StartingYear 2.
RMD withdrawals
5 Year
7%, 6%, 5%, 4%, 2%, then
0%
+ or - MVA for 5 years
$15,000NQ or Q
Option A
87% of premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
3.00%
1.75%
1yr Fixed Rate
Interest Credit Options
Option A87% of
premiums paid, less withdrawal
proceeds, at Minimum
Guaranteed Interest,
compounded annually.
4.00%
2.00%
Interest Credit Options 10.00% ofContract
ValueAnnually,StartingYear 2.
RMD withdrawals
1yr Fixed Rate 2.50%
7 Year
7%, 6%, 5%, 4%, 3%, 2%, 1%, then
0%
+ or - MVA for 7 years
$15,000NQ or Q
Minimum Guarantee
Minimum Premium
Iss. Age Commissions
1.45%
Option B & C Trail Options available
5.00%
10.00% ofContract
ValueAnnually,StartingYear 2.
RMD withdrawals
9 Year
8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%,
0.9%, then 0%
+ or - MVA for 10 years
1.00% Option A
5.00%
FeaturesProducts Withdrawal Provision
Surrender Charge
Current Interest Rates
Rates Effective 9/01/2017
Page 24Standard Insurance 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
5 Year10%,9%,8%,7%,5%then 30 day window applies
81-90 1.25%
Charleston, SC
A.M. Best
ACL: Annual Charge
SSL: Annual Charge
-0.05% -0.08%
-0.15% -0.08%
-0.25% -0.35%
-0.16% -0.16%
3.00%
Enhanced Death
Benefit Option
- Receive the Benefit Base
payable in equal
periodic payments
over 5 years.- Benefit
Base receives a
Rollup Rate equal to
150% of the Net Interest
Rate
State Specific Instructions/Exclusions:Florida– Death Benefit Equals Account Value Contract Rider is included on all contracts but has lower caps and interest rates. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90 in all states except FL because it already included. Atlantic Coast Current State Approvals as of July
24th 2017:
Approved States: AZ, AL, AR, CO, FL, GA, IL, IA,
IN, KY, LA, MD, MS, MO, NE, NC, NM, OK, OR, PA,
SC, TN, TX, UT, VA, WV
State Variations in FL
Sentinel Current State Approvals as of July 24th
2017:
Approved States: AZ, AR, CO, FL, GA, HI, ID, IL, IA,
IN, KS, KY, LA, MD, MS, MN, MT, NE, NC, NV,
NM, OK, OR, PA, SC, SD, TX, UT, WA, WY
State Variations in FL
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!
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. After the 1st yr
This rider ensures that upon the death of the Owner 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.
Surrender Charges are
based on attained age
& vary in some states.
MVA Applies for surrender charge term
Death Benefit = Account Value
Required Minimum Distribution (Yr. 1+)
Interest Crediting strategies
SSL Personal Choice
Plus annuity
5 YEAR FIXED
RATE WITH
INDEXING
OPTIONS
Interest Rate
Atlantic Coast Life Insurance
Company6.00%
2.25%
Cap Rate
Interest Rates Effective 7-24-17 (Subject to change)
FL only: Cap Rate
Fixed Account: 5 year rate guarantee
2.25%
6.00%
2.25% 2.25%
Interest Crediting strategies
Annual Point-to-Point with a Cap
Annual Monthly Average with a Cap
Annual Monthly Sum with a Cap
Interest Crediting strategies
6.00%
FL only: Interest Rate
FL only: Interest Rate
3.15%
An
nu
al Ch
arge for O
ptio
nal
Rid
ers
Rider
Accumulated Interest Withdrawal
Preferred 10% Free Withdrawal
Annual Charge for Optional Riders
B+
Sentinel Security Life
Insurance Company
Salt Lake City, UT
B++
A.M. Best
Founded in 1957!
Founded in 1925!
Interest Rate
3.05%
3.05%
Minimum Premium
6.00%6.00%
Iss. Age
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.
0-80 2.00%
Annual Monthly Average with a Cap
Annual Monthly Sum with a Cap
prior to the end of any
guarantee period
6.00%
6.00%
Fixed Account: 5 year rate guarantee
Interest Crediting strategies
Comm. Features
FIX
ED
AN
NU
ITY
ACL Safe Anchor Market
Guarantee annuity
5 YEAR FIXED
RATE WITH
INDEXING
OPTIONS
Cap Rate
Products Surrender Charge Minimum Guarantee
The Minimum Guaranteed
Surrender Value is
equal to 87.5% of the Initial Purchase Premium,
increased by interest credited at the Minimum
Guaranteed Surrender Value
InterestRate set at
issue, currently 1%, less
withdrawals, and less
premium or other taxes that
apply.
$ 5,000 Qualified or
Non-Qualified; over $1
million will require homeoffice
approval
5 Year
No Agent
Commission
Chargeback at
Death Ages 0-
80!
6.00%
Annual Point-to-Point with a Cap
FL only: Cap Rate
Page 25 Atlantic Coast Life Insurance Company 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
5 Year9%,8%,7%,6%,5%
then 30 day window applies
6 Year 81-90 1.15% 9% 8% 7% 6% 5% 5%then 30 day window applies
7 Year 9% 8% 7% 6% 5% 5% 5% 81-90 1.25%
2.85% yrs. 1-5 3.85% yrs. 11-15 then 30 day window applies
3.35% yrs. 6-10 4.35% yrs. 16-20
10 Year
then 30 day window applies
20 Year
then 30 day window applies
MVA Applies for rate guarantee term
3.20% yrs. 1-5 6.20% yrs. 11-15
4.20% yrs. 6-10 7.20% yrs. 16-20
Interest Rate Reduction
-0.05%
-0.15%
-0.25%
Minimum PremiumProducts Current Interest Rates Effective 7-1-17 Surrender Charge
4.65%
Features
FIX
ED
AN
NU
ITY
Interest Rate Term
Effective Compound Level Rate
1.00%
$ 5,000 Qualified or
Non-Qualified; over $1
million will require homeoffice
approval
Minimum Guarantee
Rider
Intere
st Rate R
edu
ction
s for
Op
tion
al Rid
ers
No Agent
Commission
Chargeback
at Death
Ages 0-80!
5 year
5 and 6 Year terms
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. After the 1st yr
3.53%
Accumulated Interest Withdrawal
Interest Rate Term
Iss. Age Comm.
B+
A.M. Best
3.39%
9% 8% 7% 6% 5% 5% 5% 5% 5% 5%Year 1 Year 2+
Year 1 Year 2+
Safe Harbor Bonus
GuaranteeSimple Interest
annuity 10 year 5.05% 4.05%
7 year
Atlantic Coast Life Insurance
Company 7 and 10 Year terms
Charleston, SC
6 year 3.27%
7 year
3.20%4.00% 3.00%
4.10% 3.10%
4.25% 3.35%
Safe Haven Bonus
GuaranteeCompound
Interest
annuity
20 Year term
Preferred 10% Free Withdrawal
Death Benefit = Account Value
Effective March 1, 2017
The Safe Harbor simple interest plans
no longer have the optional Preferred
10% Withdrawal (10%) or
Accumulated Interest Withdrawal
(AIW) liquidity riders.The Safe Haven
Plans are unchanged and therefore
have these rider available.
In exchange, the crediting rates for the
plans have been increased by 5bps.
This rider ensures that upon the death of the Owner 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.
3.65%
3.50%20 Year 3.60%
Effective Compound Level Rate
5 year 4.25% 3.25% 3.23%
10 year 4.40% 3.40%
6 year 4.40% 3.40%
3.42%
FL-UT Only: 20 Year term
0-80 2.25%
0-80 2.50%
0-75 3.00%
Surrender Charges are based on
attained age & vary in some states.
9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%
3.50% Guaranteed
for 10 years with 10 year Surrender!
20 Year 3.63%
Founded in 1925!
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.
Click here for the details of the ACL
Safe Harbor Announcement
0-50 3.00%
State Specific Instructions/Exclusions:Florida– Death Benefit Equals Account Value Contract Rider is included on all contracts at a 10 bps rider cost. Florida: Max issue age for 20 yr term is age 50. Utah: Max issue age for 20 yr term is age 50. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90 in all states except FL because it already included.Current State Approvals as of January 9th 2016:Approved States: AZ, AL, AR, CO, FL, GA, IA, IN, KY, LA, MD, MS, MO, NC, NM, OK, SC, TN, TX, UT, VA, WVState Variations in FL
3.20% Guaranteed
for 5 years with
5 year Surrender!
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!
3.28%
Interest Rate Reductions for Optional Riders
Page 26 Atlantic Coast Life Insurance Company 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
5 Year0-86: 9%,8%,7%,6%,5%
89: 9% 5% 5% 5% 5% 4% 0-80 2.25%90: 5% 5% 5% 5% 4% 81-90 1.50%
7 Year0-86: 9% 8% 7% 6% 5% 5% 5%
87: 9% 8% 7% 5% 5% 5% 5%
88: 9% 8% 5% 5% 5% 5% 4% 0-80 2.25%89: 9% 5% 5% 5% 5% 4% 3% 81-90 1.50%
10 Year0-84: 9% 8% 7% 6% 5% 5% 5% 5%
5% 5%Rider Interest Rate Reduction 85: 9% 8% 7% 6% 5% 5% 5% 5% 5% 4% 0-80 2.75%
Accumulated Interest Withdrawal -0.08% 86: 9% 8% 7% 6% 5% 5% 5% 5% 4% 3% 81-90 2.00%87: 9% 8% 7% 5% 5% 5% 5% 4% 3% 2%
88: 9% 8% 5% 5% 5% 5% 4% 3% 2% 1%
Required Minimum Distribution -0.16% 89: 9% 5% 5% 5% 5% 4% 3% 2% 1%, 0%
90: 5% 5% 5% 5% 4% 3% 2% 1%, 0%,0%
Preferred 10% Free Withdrawal -0.08% MVA Applies for rate guarantee term
Surrender Charges are based
on attained age.
Terminal Illness/Nursing Home Care -0.15%
72 (t) Free Withdrawal -0.05% Click here to view FL Agent Quick Sheet
Click here to view MN Agent Quick Sheet
Death Benefit = Account Value -0.35% Click here to view OK Agent Quick Sheet
Click here to view UT Agent Quick Sheet
Click here to view TX Agent Quick SheetClick here to view OR Agent Quick Sheet
Click here to view PA Agent Quick Sheet
Click here to view CA Agent Quick Sheet
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.
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
3.15%
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.
1.00%3.40% Guaranteed yrs 1-10
7 year
10 year
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
3.40% Guaranteed
for 10 years with 10 year Surrender!
Products Surrender Charge Minimum Guarantee
3.15% Guaranteed
for 5 years with
5 year Surrender!
Current Interest Rates Effective 7-1-2017
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 Pennsylvania – Terminal Illness Rider not available. Nebraska – In no case will the Death Benefit be less than the premium paid. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90Current State Approvals as of August 21, 2017:Approved States: AR, AZ, CO, CA, GA, FL, HI, ID, IA, IL, KS, KY, LA, MD, MN, MS, MT, NE, NV, NM, NC, ND, OK, OR, PA, SD, TX, UT, WYState Variations in CA, FL, MN, NV, OK, OR, PA, TX, & UT
FIX
ED
AN
NU
ITY
Guaranteed Rate
5 year
Interest Rate Term
Salt Lake City, UT
90: 5% 5% 5% 5% 4% 3% 2%
3.30% Guaranteed yrs 1-7
Sentinel Security Life
Insurance Company
A.M. Best
B++
Founded in 1957!
This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without
Surrender Charge or Market Value Adjustment applied. Available after 30 days!
Interest Rate Reductions for Optional Riders
3.15% Guaranteed yrs 1-5
Sentinel Plan™
Personal Choice
Annuity™An a la
carte
solution
for a
custom
annuity
Page 27 Sentinel Security Life 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
30 Day Window following end of
term
3 YR 10% 9% 8% 18-754-Year 2.50% 4 YR 10% 9% 8% 7% 76-80
5-Year 2.60% 5 YR 10% 9% 8% 7% 6%
6-Year 3.00% 18-75Phoenix, Arizona 7-Year 2.85% 76-80
8-Year 3.15%9-Year 3.00% 18-75
(Excellent) 10-Year 3.10% 76-79A.M. Best
18-7576-79
8-year* 9-year18-75 1.45% 2.75%76-77 0.92% 1.75%
MVA + or - 18-75
Premium Band $100K+ ≤$100K
3-Year 1.40% 1.25% 0-75
3-year: 10, 10, 10% 76-80MVA 81-85
0-7576-80
3-Year 1.40% 1.25% 81-83*Not available in CA or MA
A- ("Strong") S&PA- (Strong) Fitch 3-year: 9.3, 8.4, 7.5% 0-75
5-year: 9.3, 8.4, 7.5, 6.6,
5.7% 76-807-year: 9.3, 8.4, 7.5, 6.6,
5.7, 4.7, 3.8%81-83 **Not available in CA
A (Excellent) from
A.M. Best
Assets $89 Billion in Assets as of
03/31/2017
3 year
2.25%
2.35%
Additional premium is
accepted and is
allocated to the 1 year
fixed rate strategy.
Currently these rate
mirror the rates for the
multi year fixed rate
strategy on the intial
premium but are
guaranteed for one year
subject to the minimum
interest rates.
Available in: AL, AZ, AR, CO, DC, FL, GA, ID, IL, IN, IA, KS,
KY, LA, ME, MD, MA, MI, MS, MT, NE, NH, NM, NC, ND, RI,
SD, TN, VT, VA, WV, WI, & WY
Available in: AK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK,
OR, PA, SC, TX, UT & WA
AL, AZ, AR, CO, DC, FL, GA, ID,
IL, IN, IA, KS, KY, LA, ME, MD,
MA, MI, MS,
MT, NE, NH, NM, NC, ND, RI,
SD, TN, VT, VA, WV, WI, & WY
5-year: 10, 10, 10, 10,
10%
7-year: 10, 10, 10, 10, 10,
10, 10%
AK, CA, CT, DE, HI, MN, MO,
NV, NJ, OH, OK, OR, PA, SC,
TX, UT & WA
DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee,
Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY
5-Year
Confinement Waiver*
Terminal Illness Waiver**
5 year
7 year 2.50%2.25%Maximum
Additional premium $100,000
Full Account Value at Death
FIXE
D
Athene MaxRate®
2.30%
2.40%
2.40%
7-Year 2.50%
0.90%
1.30%
2.00%1.80%
1.10%
Additional Premium Minimum $1,000
Maximum $1,000,000
Systematic withdrawal of
interest available
2.45%
7-Year 2.55%
5-Year
Required Minimum
Distributions (RMDs)
Equal to the Multi-
Year Fixed
Strategy rate
multiplied by the
Accumulated
Value (as of
the most recent
Contract
Anniversary)
beginning in the
first contract year
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate Currently 1%
Initial Minimum
$5,000
0.40%
1.30%
FIXE
D
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate Currently 1%
Minimum $20,000
NO Exceptions
FeaturesSurrender Charge Minimum Guarantee
Minimum Premium
Iss. Age Comm. Rev. 7-1-17
Current Interest RatesProductsRates Effective 8/1/2017
Withdrawal Provision
0.50%• Full Account Value
at Death• Nursing Home
Waiver• Home Heath Care
Waiver • Terminal Illness
Waiver
Temporary commission reduction:* Effective July 1, 2017, until further
notice, commissions will be paid at the
percent listed below for the following
durations.Commissions listed include the
reduction.
Multi-Select 4 will be paid at 73% of
original commission level
Multi-Select 6 will be paid at 50% of
original commission level
Multi-Select 8 will be paid at 53% of
original commission level
9 YR 10% 9% 8% 7% 6% 5% 4% 3% 2%
10 YR 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%
Athene Annuity and
Life Company West Des Moines, IA
Features
6-year*
Minimum Guarantee
Minimum Premium
Iss. Age Comm. Rev.1-16-17
Current Interest RatesRates Effective 6/3/17
Surrender Charge
Oxford Life was founded in the Grand Canyon state of
Arizona in 1965 and has steadily grown to a family of
companies with an asset base of over $1 billion. Oxford Life
remains committed to middle-market seniors and the
independent insurance professionals that support them.
Our mission is to provide products and services promoting
financial security to individuals that will enable them to
live with dignity in their retirement years.
Maximum $350,000
NO Exceptions
Assets $1.87 Billion in Assets as of 12/31/2016
6 YR 10% 9% 8% 7% 6% 5%
7 YR 10% 9% 8% 7% 6% 5% 4%
For Financial Strength
Oxford LifeInsurance Company
A-
Multi-Select MYGA
3-Year10% Annually starting year 2
Systematic withdrawal of interest
in the first year
2.00%
Products Withdrawal Provision
8 YR 10% 9% 8% 7% 6% 5% 4% 3%
1.25%0.75%
0.54%
3 year
1.00%
5-7 year
2.50%
1.50%
4 year*
1.27%
10 year 3.00%
Page 28Oxford- Athene 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
5 Years9, 8, 7, 6, 5%
CA: 8.5, 7.5, 6.5, 5.5, 4.5% 2.25%1.80%
7 Years9, 8, 7, 6, 5, 4, 3% 2.30%
CA Only: 8.5, 7.5, 6.5, 5.5, 4.5, 3.5,
2.5%1.80%
in Assets
10 Years 2.35%9, 8, 7, 6, 5, 4, 3, 2, 1, 0.5% 1.85%
CA 9yr: 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5,
1.5, 0.5%
2.35%Excellent 1.85%A.M. Best If the Owner is the Annuitant
2.00%1.70%
NO MVA !
True walkaway! 1.75%No 30 day window 1.45%
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 -
Features
Features
3.88% Guaranteed 1st yr Yield
2.00%
2.00%
16-75
76-85
MYGA 10 16-7576-85
76-85
CA only: MYGA 9 16-75
CommissionMinimum Premium Issue. AgeWithdrawal
ProvisionSurrender
Charge
Owner:
16-99 non-qualified
21-85 Roth
&Traditional IRA*
16-85 SEP IRA*
Annuitant:0-85 non qualified
$10,000
If Owner who is not the Annuitant dies,
and the Owner was age 16 through 75
Full Value at Death: Death
Benefit will be be equal to
the Accumulation value
without any surrender If the Owner who is not the Annuitant dies,
and the Owner was age 76 through 99
=C.S.V
Products
Royal Choice Annuity
MYGA 10
2.30%*
Guaranteed yrs 1-5
CA Only: 2.05%* Guaranteed yrs 1-5
2.70%* Guaranteed yrs 1-7
CA Only: 2.45%* Guaranteed yrs 1-7
2.85%* Guaranteed yrs 1-10
CA Only: 2.60%* Guaranteed yrs 1-9
Current Interest Rates6/30/2017
3.00% Guaranteed yrs 1-5
AVAILABLE in ALL STATES EXCEPT:
AK, AL, HI, IA, LA, MA, NH, NY
$17.3 Billion in assets as of
12/31/16
EquiTrust Life Insurance Company
Des Moines IA
N/A
B++ (Good) from A.M. Best
ChoiceFour™
Prior 12 months interest
Prior 12 months interest
Interest only 1st contract year,** 10%
of Account Value years 2+.
Interest only 1st contract year,** 10%
of Account Value years 2+.
ChoiceFour™ FIX
ED
2.44% Min. Guaranteed 6 yr Yield
1.50%
2.60%
2.60%
2.35%
2.35%
2.00%
2.00%
4.13% Guaranteed 1st yr Yield
(Liquidity & MVA Option)
ChoiceFour™
ChoiceFour™ 1.50%
Commission
$10,000
$1,000,000 Max Premium without Home
Office Approval
$10,000
Issue. Age
1.00%MVA in all states except CA. 30 day
window at the end of the 5 yr term
5-year:8.5, 7.5, 7, 6, 4
then 0%
$10,000
$300,000 Max Premium without Home Office
Approval
Choice 5Premium $100,000+
0-75
0-7576-85
Premium $10,000 to
$99,999
Minimum Premium
1.00%
1.00% $1,000,000 Max Premium without Home
Office ApprovalMVA in all states except CA. 30 day
window at the end of the 7 yr term
MVA in all states except CA. 30 day
window at the end of the 9/10 yr
term
Minimum Guaranteed
Rate
1.00%
Surrender Charge
Minimum Guarantee
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%) *Rates are subject to change. Rates are for the Initial
Guarantee Period.
Minimum Guarantee
FIX
ED
FIX
ED
$10,000NQ or Q 0-85
Minimum Guaranteed
Contract Value 100% of premium
minus withdrawals, accumulated
at the Minimum
Guaranteed Contract Rate
N/A
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.
Minimum Guaranteed Rate: 2.00%
Full Value at Death: Death Benefit will be be equal to the
account value without any surrender charges or Market
value adjustment.
No Agent
Commission
Chargebacks at
Death.
16-75
76-85
MYGA 7
76-85
Owner and Annuitant:16-85 age
last birthday
MYGA 5
$1,000,000 Max Premium without Home
Office Approval
Founded in 1895!
Products Withdrawal Provision
Accumulated Interest -
RMD's After the first yearRoyal Neighbors of
America
FIX
ED
over $979 Million
A -
as of 12/30/16
Accumulated Interest -
RMD's After the first year
Accumulated Interest -
RMD's After the first year
Royal Choice Annuity MYGA 7
FIX
ED Choice 5
SPDA
Current Interest Rates
Effective 7/15/17
Royal Choice Annuity MYGA 5
Accumulated Interest or RMD's by
current
company
practice
$20,000 min. for Systematic
withdrawls
0
Page 29 Royal Neighbors- Equitrust 9/7/2017
888.661.1999August Spreadsheet http://annuity1.com
Features
0-75
Des Moines, IA 76-80
81-85
Excellent
A.M. Best
3-4 year 5-6 year
3-YEAR 1.50% 0-80 2.00% 0-80
1.125% 81-85 1.50% 81-85
0.75% 86-90 1.00% 86-90
7-8-year 9-10-year6-YEAR 2.50% 0-80 3.00% 0-80
1.88% 81-85 2.25% 81-85
1.25% 86-90 1.50% 86-90
8-YEAR9-YEAR
1.75%
9, 8, 7, 6, 5% + or -
mva
5 Years
Withdrawal Provision
Surrender Charge
Commissions
5 Year 9.3%, 8.4%,7.5% 6.6%,5.7%
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
2.30% Guaranteed for 5 yrs
*FL only effective 6/27/17:
No surrender charges after
re-entry.
Nursing Home
Confinement
Waiver
Effective 6-27-17: DE Guarantee Choice is temporarily
unvailable. Also in CA & FL only the 3-4-5-yr terms are
available. No 6-10yr terms
Current Interest RatesRates Effective 7/10/2017
5 Year
7 Years 9, 8, 7, 6, 5%, 4% 3% + or - mva
FIXE
D
Commissions Rev. 6-
27-17
Products
6 Years
9, 8, 7, 6, 5, 4% + or -
mva
By current
company
Practice
Interest Only. Systematic
W/D & RMD Immediately.
Features
7 Year
Surrender Charge
4 Year 9.3%, 8.4%,7.5% 6.6%
Commissions
A-
Current Interest Rates
2.50%
2.65%
Minimum Premium
Iss. Age
$10,000 Q or NQ
2.60% Guaranteed for 7 yrs
Rates Effective 6/9/17
4-YEAR 1.90%
1.45%
$10,000 non-
qualified and
$2,000 qualified.
0-90
3 Year 9.3%, 8.4%,7.5%
Withdrawal Provision
Minimum Guarantee
Minimum Premium
Iss. Age
Founded in 1886 as North
American Accident Association
“A+” (Strong) by Standard &
Poor’s. 7-YEAR
FullContractValue at Death
Comm. Rev 8-28-14
3.00%2.10%1.50%
For AL, DC, MT, ND, SD: On the contract
anniversary following the Annuitant’s 105th
birthday the Surrender Charge percentage will be
reduced to zero percent.
$47.5 Billion in Assets under
manangement as of 12/31/16
$21.1 billion in assets as of December
31, 2016
A+ (Superior) by
A.M. Best
Guarantee Series
ICC13 MYGA
6 Year2.45% Guaranteed for 6 yrs
Products
1.70%
Rate Guar Term
High Band $200K+
Low Band less than
$200K
5-YEAR 2.50% 2.25%
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.
30-day window applies at end
of term*
MVA + or -
FIXE
D North American Guarantee Choice and Guarantee Choice II sm
in CA
6 Year 9.3%, 8.4%,7.5%
6.6%,5.7%,4.75%
Full Value at Death
2.10%
2.25%
2.45%2.55%
2.85% 2.65%
7 Year 9.3%, 8.4%,7.5%
6.6%,5.7%,4.75%,3.8%
8 Year 9.3%, 8.4%,7.5%
6.6%,5.7%,4.75%,3.8%,2.85%
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.
9 Year 9.3%, 8.4%,7.5%
6.6%,5.7%,4.75%,3.8%,2.85%,1.90%
10 Year 9.3%, 8.4%,7.5%
6.6%,5.7%,4.75%,3.8%,2.85%,1.90%,
0.95%
10-YEAR
2.35%
2.75%
Current year
interest
withdrawals
available after 30
days without any
surrender charges or
interest adjustment.
RMDs:
Surrender charges
and Interest
Adjustments on any
portion of an IRS-
Required Minimum
Distributions
exceeding the
penalty-free
withdrawal amount
will be
waived by current
company practice*.
Page 30 American Equity-North American 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
3-Year 10,10,9%5-Year 10,10,9,9,8% 0-806-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. Best 10-Year MVA + or - except in VT (2% for 2014 contracts) 81-90
3-Year 9, 8, 7%
5-Year 9, 8, 7, 6.5, 5.5% 0-80
6-Year 9, 8, 7, 6.5, 5.5, 4.5% 81-90
9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5%
9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5% 0-80
10-Year MVA + or - (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 2.60% 2.50% 5 YR 7% 6% 5% 4% 3% 86-90 0.50% 0.50%
6-Year 2.70% 2.60% No MVA States
7-Year 2.90% 2.80% 0-80 1.75% 1.50%8-Year 3.00% 2.90% 81-85 1.31% 1.15%9-Year 3.10% 3.00% 86-90 0.88% 0.75%
10-Year 3.20% 3.10% No MVA States
0-80 2.50% 2.00%81-85 1.88% 1.50%86-90 1.25% 1.00%
No MVA States
0-80 3.00% 2.50%81-85 2.25% 1.90%
MVA + or - 86-90 1.50% 1.25%
Page 31
FIX
ED
2.50% 2.00%
2.60% 1.50%
Multi-Year Guarantee
Annuity
8-Year 2.75%5-6-8 &10-Yr
3.00%
3.00% 2.25%
Withdrawal Provision Surrender Charge
Rates Effective 6/30/2017Products Current Interest Rates Minimum
GuaranteeMinimum Premium
Iss. Age Comm. Features
Certainty SelectTM
(SPDA)Death Benefit:
Upon death of first Owner, Accumulation
Value Nursing Home Waiver
(Issue Ages 0-80)
FIX
ED
2.50% 2.00%2.60% 1.50%
3.00% 2.25%
Certainty Select™
2.00%
Cumulativeinterest
beginningimmediately
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
$10,000NQ or Q
3-Yr
EquiTrust Life Insurance Company
Des Moines IA 8-Year 2.75%
5-6-8 &10-Yr
3.00%Multi-Year Guarantee
Annuity
Surrender Charge Minimum Guarantee
$15.8 Billion in assets as of
12/31/15
B+" ("Good") S&P
FeaturesRates Effective 8/1/17
Products Current Interest Rates Withdrawal Provision
Certainty Select™
CA
Version
2.00%
Cumulativeinterest
beginningimmediately
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate
$10,000NQ or Q
3-Yr
Certainty SelectTM
(SPDA)Death Benefit:
Upon death of first Owner, Accumulation
Value Nursing Home Waiver
(Issue Ages 0-80)
Guggenheim Life
and Annuity
Company
FIX
ED
Preserve MYGA
10% Annually starting year 2
87.5% of premium minus
withdrawals, accumulated at the Minimum Guaranteed
Contract Rate Currently 1%
Qualified $5,000
3 year Most States
Full account value at death.
Surrender Charges
waived. No MVA applied.
Minimum Premium
Iss. Age Comm.
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
B++ (Good) from A.M. Best Monthly interest
as earned or automatic RMD
for qualified plans starting
year 2
6 YR 7% 6% 5% 4% 3% 2%
4 year Most States
Non-qualified $10,000
12.2 Billion in assets as of
12/31/16
7 YR 7% 6% 5% 4% 3% 2% 1%
8 YR 7% 6% 5% 4% 3% 2% 1% 1%
5-6-7-8-9 year Most States
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, Company, and Security Benefit Life
Insurance Company.
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.
9 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%
10 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%
0.75%
10 year Most States
EquiTrust/Guggenheim 9/7/2017
888.661.1999September Spreadsheet http://annuity1.com
5 Years8, 7, 6, 5, 4%
+/- MVA 1st 5 Yrs 0-80 2.00%(No MVA-PA or MO) 81-90 0.40%
7 Years
(LBL) Ages 56+: 8, 7, 6, 5, 4.5, 3.5, 2.5%
over $1.54 Billion Ages 0-55: 12, 11, 10, 8, 6, 5, 4% 0-80 2.15%MVA + or - 1st 7 Yrs (No MVA-PA or MO) 81-85 0.40%
0-90 2.00%B+
Stable outlook
0-85 2.50%
0-90 2.25%
5 year9%, 8%, 7%, 6%, 5% 1.00% 0 - 80 2.25%
then 0%
NO MVA 81-85 1.25%B A.M. Best NO 30 DAY WINDOW
Stable outlook 7 yearFounded in 1973 9%, 8%, 7%, 6%, 5%, 4% 3%
then 0% 1.50%
NO MVANO 30 DAY WINDOW
3.00%
2.85%
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.
Guaranteed 7 years
Guaranteed 3 years
$10,000
FeaturesComm. Rev. 3-1-14
7 Year Tax Deferred AnnuitySPDA-7
2.90% Guaranteed for 7
Years
AZ, DE, DE, DC, FL, ND, & SD
Current Interest Rates Effective 7/1/17Products Withdrawal
Provision Surrender Charge Minimum Guarantee
Minimum Premium
3/2/15-4/30/15
None during
surrender charge period;
thereafter, 100% liquid
Iss. Age
Bankers Life Insurance Company
St. Petersburg, FL
FIX
ED
Bankers Elite 3
Guaranteed 7 years
Guaranteed 5 years
2.15%
3.10%
Bankers Elite 5
Bankers Elite 7Founded
in 1958!
FIX
ED
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
FIX
ED
AN
NU
ITY
NURSING CARE WAIVERPlus monthly production bonuses up to 0.75%! Call
us for the details!
$10,000 qualified or
non-qualified
Commissions will not be paid until policy
receipt is received
at home office
24 Hour Application Processing! Commissions
Paid Daily!
5 Year Tax Deferred AnnuitySPDA-5
2.60% Guaranteed for 5
Years
A.M. Best
FIX
ED
LIBERTY BANKERS LIFE &
THE CAPITOL LIFE
Bankers 5 Premier
in Assets as of 12/31/16
FIX
ED Bankers 7
Premier
Guaranteed 5 years
FIX
ED
Products Withdrawal Provision
Current Interest RatesSurrender ChargeEffective 9/1/2017
7 Years7.9, 7.0, 6.2, 5.3, 4.4, 3.5, 2.7, 0%
+/- MVA 1st 7 Yrs(No MVA in PA & MO)
3 Years7.9, 7.0, 6.2, 0%+/- MVA 1st 3 Yrs
(No MVA in PA & MO)
100%All Accrued
Interest Twiceper year
ORMonthly Interest
Only After 30 Days if Monthly
interest is greater than $100
3.00%
1.00%
1.00%
Bankers Elite 5
Bankers Elite 7
$10,000
$10,000
1.00%
Minimum Premium
5 Years7.9, 7.0, 6.2, 5.3, 4.4, 0%
+/- MVA 1st 5 Yrs(No MVA in PA & MO)
Death Benefit: 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.
FeaturesIss. Age Comm.Minimum Guarantee
$10,000
Bankers Premier
1.00%
Full Contract Value at Death
Bankers 7 Premier
1.00% $10,000
NOCommission
Chargebacks!
Nursing Home Waiverand Disability Waiver
Max issue age is 85 in OK
Max issue age is 75 in FL & CA
Max issue age is 70 in FL & CA
Max issue age is 75 in FL & CA
Bankers Elite 3
Page 32Liberty Bankers- Bankers Life 9/7/2017
888.661.1999August Spreadsheet http://annuity1.com
1st Year Base Rate Eff. Yield
0 - 79 2.50%80 - 85 0.50%
0 - 79 2.50%
80 - 85 0.50%
0 - 79 2.50%80 - 85 0.50%
0 - 79 2.50%
80 - 85 0.50%
0 - 79 3.00%80 - 85 1.00%
0 - 79 4.00%
80 - 85 2.00%
0 - 80
7, 7, 7, 6, 5%
3.75% 7, 7, 7, 6, 5, 4,2% 81 - 85
*No MVA
0-7980-100
0-79B+ A.M. Best 80-85
0-79
GUARANTY INCOME LIFE INSURANCE COMPANY
Baton Rouge, LA
0.80%Guaranty 6
2.00%
Full Accumulation Value death
benefit 1.60%
Guaranty 4: Most states1.60%0.80%
Guaranty 4: OK Only
Current Interest Rates Effective 4-8-17
2.60% Guaranteed for 4 Years
3.25% Guaranteed for 6 Years
100% of the accumulated
interest or elect to
receive monthly interest
payments, subject to a $100
minimum.
4 YR 8% 7% 6% 5% then o% + or -
MVA True Walk away No 30 day
window
6 YR 8% 7% 7% 6% 5% 4% then
o% + or - MVA True Walk away No
30 day window
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. ^Surrender charge variation in FL, IL, UT: 6 YR 8% 7% 6.5% 6% 5% 4% then o%
Founded in 1926
Products Withdrawal Provision
Surrender Charge ^
Minimum Guarantee
Minimum Premium
Iss. Age
Commission Rev. 04/08/17 Features
1.00%
Minimum Premium
$5,000 NQ $2,000 Q
Maximum Premium
Age 0-89 $600,000
Age 90+ $200,000
(without prior
approval)
FIX
ED
Guaranty 6 Annuity - 6
Year Rate Guarantee!
Guaranty 4 Annuity -
4 Year Rate Guarantee!
Full AccountValue at Death
and No CommissionChargeBack at
Death if Annuitiantis under 80 at Issue! NURSING HOMECONFINEMENT
RIDER and DisablityWaiver
AmericanNational
Insurance Company
Galveston, Texas
A(Excellent)A.M. Best
A (Very Strong) S&P
For Financial Strength
5 - Year 3.15%
$5000NQ OR Q
WealthQuest® 1st Year Base Rate
$24.5 Billion in Assets as of
12/31/16
FIX
ED
WealthQuest® 1st Year Base Rate
FIX
ED
Founded in 1905
Subtract 10bps for premiums <100k
$5000NQ OR Q
5 Year* 1.50%, 3.00% FlatRate or FloatingMin rate 1.00%
currently.This rate will
vary between 1%& 3% but will be set at issue and fixed for
the life of the contract. Minimumapplies after initial
guarantee to the left.
Citadel 5 Diamond* 2.65% 1.65%
$5,000NQ$2,000Q MINIMUM
ADDITIONS:$1,000
Random, $100 EFT
Flexible Premium: Non-rolling surrender charges
on additional deposits.
Full AccountValue at DeathPlus MVA but
Only if Positive
NURSING HOME
CONFINEMENTRIDER and DisabilityWaiver
FIX
ED
2.85% 8-Year
5-Year
6 - Year 2.70% 2.70% 2.70% 6-Year
7 - Year 3.65%
10-Year
7-Year
2.77% 9-Year
10 -Year 3.60% 2.60% 2.70%
Principal Guarantee: In the event of a full surrender, the minimum surrender value is a
return of premiums paid, less any cumulative withdrawals
1.50%, 3.00% FlatRate or FloatingMin rate 1.00%
currently.This rate will
vary between 1%& 3% but will be set at issue and
fixed for the life of the contract.
Minimumapplies after initialguarantee to the
left.
2.65% 2.79%
Current Interest Rates Effective 9-1-17
7 Year*
9 - Year 4.55% 2.55%
Starting in year 1,
10% of the annuityvalue at
beginning of each contract
year
Citadel 7 Diamond** 1.75%
3.00%
3.50%
2.50%
Commission are based on the age of the owner only.
2.00%81 - 85
0 - 80
FeaturesProducts Withdrawal Provision
8 - Year 2.85% 2.85%
2.15% 2.35%
Iss. Age
Commission Rev. 5/1/15
Surrender Charge
Minimum Guarantee
Minimum Premium
Palladium®
MYG Annuity
*Subtract 10bps to rates to the right for less
$100,000 initial premiums or
more.
After the initial Guaranteed Period, the
interest rate is determined based on the current
market conditions, but will never be less than 1.5%.
Policy FormMGA10NQ,PQ;GA10NQC,PQC
8,8,8,7,6,5,4,3,2,1%
+ or - MVA or excess
interest deduction
30-day window atend of guarantee
period when ownermay surrender free
of any surrender charge, market
value adjustment or excess interest
deduction in some states where MVA
does not apply.
Surrender Matches
Guarantee Period!
First YearInterest only.
thenUp to
10.00% ofbeginning
of year AnnuityValue
starting inthe 2nd
contract yr 0-$10,000
0-80$10,
0-0-0-
Page 33 American National 9/7/2017