Equity Indexed Annuity Sheet

Transcription

1 Equity Indexed Sheet Carriers Listed Allianz American Equity American General Americom RBC Fidelity & Guaranty Amerus Equitrust ING Investors Insurance Lincoln Benefit North American Physicians Sun Keyport Toll Free Fax

2 Equity Indexed Sheet Visit our website for Forms, Licensing, and uotes Equity Index Annuities Allianz A2 S&P AA- PRODUCT NAME Master Dex (*) * first 3 years Master Dex 5 (FDPA*) *FDPA first 5 years 5%* Premium Bonus yrs 1-5! *3% Premium Bonum in AL, CT, KY Master Dex 10 (*) * first 5 years 10% Premium Bonus yrs 1-5! InCommandDex (*) * first 5 years INTEREST RATE option. 9% cap applied to the option. 11% cap applied to the option. 11% cap applied to the option. 11% cap applied to the FREE WITHDRAL MINIMUM PREMIUM NOT APPROVED IN, NJ, NY, OK, OR, PA, UT, IN, NJ, NY, OK, OR, PA, UT, N, NJ, NY, OK, OR, PA, UT, DE, IN, IA, MN, MT, NJ, OR, PA, UT, DEATH BENEFIT if taken for of less, whichever if taken for of less, whichever if taken for of less, whichever if taken for of less, whichever SURRENDER CHARGES 7 yr surrender 10, 9, 8, 8, 6, 5, plus or minus MVA Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver 10 yr surrender* 15, 15, 15, 15, 12.86, 10.71, 8.57, 6.43, 4.26, 2.14 plus or minus MVA Death Benefit Rider, Ideal Benefit Rider, Nursing Home Waiver *9.1% 1 st yr surrender charge, declining afterward for AL, KY. 10% 1 st yr surrender charge, declining afterward for CT. Call for details. N/A Two s with separate interest rates for lump sum surrender and a min, required payout period. Death Benefit Rider, Ideal Benefit Rider*, Nursing Home Waiver *not avail in all states N/A Call for details ISSUE AGES Only Option A avail ages Only Option A avail ages COMMISSION INFORMATION Ages 0-75 Option A: 7.00%* 1 st year, 3.5%* on additional s. Option B: 5.25%* 1 st year, 2.625%* on additional s, plus.50% trail commission for policy life. Ages OptionA: 5.00%* 1 st year, 2.5%* on additional s *Varies in AL, CT, & KY. Call for details Ages 0-75 Option A: 9.00%* 1 st year, 4.5%* on additional s. Option B: 7.00%* 1 st year, 3.5%* on additional s, plus.50% trail commission for policy life. Ages OptionAC: 7.00%* 1 st year, 3.5%* on additional s *Varies in AL, CT, & KY. Call for details Ages 0-75 Option A: 9.00%* 1 st year, 4.5%* on additional s. Option B: 7.00%* 1 st year, 3.5%* on additional s, +.50% trail comm. for policy life. Ages Option C: 4.5%* 1 st year, 2.25%* on additional s plus 1% trail commission for policy life. Ages Option A: 7.00% 1 st year, 3.5% on addl.prem Ages % 1 st year, 3.00% on additional s. Ages Option A: 4.00% 1 st year, 2.00% on additional s plus 7% trail commission for policy life. MINIMUM GTD VALUE 3% on 75% of 1 st year s, 87.5%* of s paid after the 1 st policy (1.5% on 100% of for fixed interest option ) *87.5% of s at 1.5% in NV, CT, IA, MN. 87.5% at 23% in NM. 87.5% at 1% in NC, NH 105%, or 3% on 80% of 1 st year, whichever is greater. 3% on 87.5%* of s paid after the 1 st policy (1.5% on 100% of for fixed interest option ) *87.5% at 2% in CT, IA, MN, NM, NV. 87.5% in NC, NH. Call for dtails. 110%, or 3% pn 75% of 1 st year s, whichever is greater. 3% on 87.5 of s paid after the 1 st policy (1.5% on 100% of for fixed interest option ) 3% on 75% of 1 st year s, 87.5%* of s paid after the 1 st policy (2% on 100% of for fixed interest option ) *87.5% at 1% in CT, NM, NY. Call for detalis

3 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE Allianz A2 S&P AA- 10% Bonus PowerDex Elite ()* *10% bonus on all lump sum payments during first five policy years PowerDex Elite () first 5 years 5% Bonus PowerDex Elite ( 1 st 5 years) 5% bonus on all lump sum s during 1 st 5 policy years A: Nasdaq-100, 100% Participation, point to point, 10% cap B: S&P 500, 100% Participation, point to point, 10% cap C: Fixed currently 3.00% option. 11% cap applied to the option. 9% cap applied to the CT, IN, IL, IA, MA, MN, NJ, NY OK, OR, PA, UT, CT, KY, NY, OR, UT, AL, CT, IA, IN, KYT, MA, OR, PA, UT, if taken for of less, whichever if taken for of -, whichever if taken for a min 5-year period; if taken for less than 5 yrs, guaranteed return of -, whichever N/A Two s with separate interest rates for lump sum surrender and a min. required payout period 10 year surrender: 15, 15, 13, 13, 11.25, 9.38, 7.5, 5.63, 3.75, year surrender 15% yrs 1-5 then decreases monthly over the next 7 years First Year 0-75: 9.00% 76-85: 7.00% Years : 4.50% 76-85: 3.50% 0-75: 9.00% 76-85: 7.00% 0-75: 9.00% 76-85: 7.00% 87.5% of s at 1.5% (1 st 10 yrs) or 75% of first year s and 87.5% on s year 2+, all at 3% (whichever ). 2% on 100% for fixed account. 3% on 75% of 1 st year, 87.5% of s paid after 1 st policy year 3% on 75% of 1 st year, 87.5% of s paid after 1 st policy year American Equity Freedom Gold Index-30 Cap 8% Lehman Brothers US Treasury Annually, Starting Yr NC, ND, NY, OK, OR, RI, UT, VT, lump sum account at first to die of owner or annuitant 9, 8, 7, 6, 5, 4, 3, 1.5, 0% 8 yrs. 0-75: 6.00% 76-80: 4.50% 81-85: 3.00% 0-75: 6.00% 76-80: 3.00 Interest for Fixed Value: 90% of all s, less withdrawal proceeds, at 3.5% during Contract Years 1-5 and 3% thereafter. B++ S&P BBB+ Rewards Gold () (INDEX 27) Cap 8% NC, NY, OR, UT, Issue Ages : 13 yr Surrender Charge 15,14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 3,1 Issue Ages 81-85: 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 (NCR-2 & TIR-1) Applied only to Contracts issued to ages 0-74, where available 76-80: 6.00% 81-85: 4.00% 76-80: 4.00%* *Varies in IN, KY, MA, MD, ND, OK, PA, SC, & VA. Call for details. Interest: 82.5% of 1st year plus bonus + plus Interest,

4 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE American Equity B++ S&P BBB+ Compass Select (INDEX 3-05) Bonus Gold () (Index 1-05) Premier Gold Index % Premium Bonus Prestige Gold Index-27 3% Premium Bonus Future Gold Index-28 Millennium Gold Index-29 Cap 8% Cap 8% Cap N/A, PR # 75% Cap N/A, PR # 60% Lehman Brothers US Treasury, PR # 65% Cap 8% Cap 8% Dow Annual Monthly Average: Cap N/A, PR # 75% Dow Annual Pt to Pt: Cap N/A, PR # 60%, PR # 65% Annually, Starting Yr AL, CT, IL, IN, MN, NC, NY, OR, TX, UT, VT, NC, NY, OK, OR, UT, NC, ND, NY, OK, OR, RI, UT, VT, NC, ND, NY, OK, OR, RI, UT, VT, NC, ND, NY, OK, OR, RI, TX, UT, VT, AL, CT, IL, IN, MN, NC, ND, NY, OK, OR, RI, UT, VT, Issue Ages : 15 yr Surrender Charge 13.5, 13.5, 13.5, 13.5, 13.5, 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6, 4.5, 3, 1.5 Issue Ages 81-85: 9 yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 (NCR-2 & TIR-1) Applied to Contracts ages 0-74, where available Issue Ages : 17yr Surrender Charge 20,19.5, 19, 18.5, 18, 17.5, 17, 16.5, 15.5, 14, 12.5, 11, 9, 7, 5, 3, 2 Issue Ages yr Surrender Charge 9, 8, 7, 6, 5, 4, 3, 2, 1 Nursing Care Rider & Terminal Illness Rider (NCR-2 & TIR-1) Applied only to Contracts issued to ages 0-74, where available Issue Ages : 17.5, 17, 16.5, 16, 15.5, 15, 14, 13, 12, 11, 10, 9, 8, 6, 4, 2, 0% 16 yrs. 9 yrs. 15, 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 3, 1, 0% 13 yrs. 9 yrs. 15, 14, 13, 12, 11, 10, 9, 8, 7, 5, 3, 1, 0% 12 yrs. 9 yrs. 12, 11.5, 11, 10, 9, 8, 6.5, 5, 3.5, 2, 0% 10 yrs : 6.00% 81-85: 4.00% 76-80: 4.00% 76-80: 6.00%* 81-85: 4.00% 76-80: 4.00%* * Varies in IN, KY, MA, MD, ND, PA, SC, VA, & VT Call for details. 0-75: 7.00% 76-80: 5.25% 81-85: 3.50% 0-75: 7.00% 76-80: 3.50% 0-75: 6.50% 76-80: 4.87% 81-85: 0-75: 6.50% 76-80: 0-75: 10% 76-80: 7.50% 81-85: 5.00% 0-75: 10% 76-80: 5.00% 0-75: 6.00% 76-80: 4.50% 81-85: 3.00% 0-75: 6.00% 76-80: 3.00% Interest: 82.5% of 1st year plus bonus + plus Interest, Interest: 82.5% of 1st year plus bonus + plus Interest, Interest: 82.5% of 1st year plus bonus + plus Interest, Interest: 82.5% of 1st year plus bonus + plus Interest, Interest for Fixed Value: 85% of 1st year plus 3.5% during Contract Years 1-5 and 3% thereafter. Interest: 87% of 1st year plus bonus + plus 87.5% additional, less withdrawal proceeds, at Interest,

5 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE American General Horizon Index 9 Year Option 3% Bonus 12 Year Option 4% Bonus 1 Year S&P Monthly Point-to- Point (2.75% Cap) 2 Year S&P Point-to-Point (14.00% Cap) Fixed Account 9 Year 2.75% 12 Year 2.85% 10% free withdrawal after first contract year n/a account if 5 year annuitization is chosen, otherwise surrender 9 Year Option 10, 10, 9, 8, 7, 6, 5, 4, 2 12 Year Option 12, 12, 12, 12, 12, 11, 10, 9, 8, 7, 5, 3 9 Year Ages 0-75: 6.00% Ages 76-80: 5.00% Ages 81-85: 4.00% 12 Year Ages Ages 76-80: 7.00% Ages 81-85: 6.00% 2% on 90% of Premium Americom & Insurance Company Amerus A.M Best A3 Amerimark () Offered excusively through Legacy Marketing Group Premium Bonus available. 2.5% on 7 year, and 4% on 12 year on all s Spirit 7 7% Account Value Escalator Multi Choice Bonus Master 12 8% total escalating bonus and 10% annuization bonus Multi Choice Bonus Master 15 10% total escalating bonus and 10% annuization bonus 100% Participation Guaranteed of S&P, Annual point-to point Annual Reset, 8% Cap Fixed Interest Option: 2.25% 100% Participation - 5 options annual reset (9.50% cap) annual annual reset (9.50% cap) E: Fixed Account 3.00% A: One-Year Point-to-Point Multiple Index Strategy B: S&P 500 1yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E. One Year Monthly Cap Index Strategy (2.7% Cap) F: Fixed Account (3.00%) A: One-Year Point-to-Point Multiple Index Strategy B: S&P 500 1yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E. One Year Monthly Cap Index Strategy (2.7% Cap) F: Fixed Account (3.00%) 10% of each year, interest anlu allowed after 30 days (From fixed interest option only) anniversary account Or Distribution (current company practice) 10% penalty free withdrawal via checkbook or Distributions Up to ½% of after 30 days. 10% penalty free withdrawal via checkbook or Distributions Up to ½% of after 30 days. ualified $2,000 additional $2,000 CT, MA, MD, MN, NC, ND, NH, NJ, NY, OK, OR, RI, SD, TX, UT, VT, n/a n/a 7 year 9, 9, 8, 7, 6, 5, 4 (+ or MVA) Waived for Death or Nursing Home Confinement of 90 Days (Nursing Home Not Available in TX) 12 Year 15,13,11,9,7,5,3% Waived at death, nursing home, terminal illness, unemployment (12 Years) 15, 15, 15, 14, 14, 14, 13, 13, 13,12, 12, 12, (15 Years) 15, 15, 15, 14, 14, 14, 13, 13, 13,12, 12, 12, 11, 11,11 Age Last Birthday and and 7 Year Ages 0-75: 7.00% Ages: 76-80: 5.25% Ages 81-85: 3% reduced 1 pt for bonus 12 Year Ages 0-75: 7% Ages 76-80: 5.25% Ages 81-85: 3.00% reduced 1 pt for bonus Options A,B,C,D 0-79: 5.00% 8: 2.50% Option E (Fixed) No (age nearest) Paid on s received in 1 st 3 yrs 7% 9% 1% to 3% on 100% of Premium Year 3% on 80% of initial, 3% on 88% of received after 1 st year 3% on 75% of s credited to the contract in first 3% on 88% of additional s. 3% on 75% of s credited to the contract in first 3% on 88% of additional s.

6 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE Amerus A.M Best A3 MultiChoice 6 MultiChoice 10 2% or 4% Premium Bonus Available BonusPlus 6% Premium Bonus 100% Participation 4 options A: Investment Grade Bond Index Strategy (2.75% certificate Charge) B: S&P 500 1yr point to point (15% cap) D: Fixed Account (3.00%) A: Investment Grade Bond Index Strategy (2.5% certificate Charge) B: S&P 500 1yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E: Fixed Account (3.00%) A: Investment Grade Bond Index Strategy (2.5% certificate Charge) B: S&P 500 1yr point to point (15% cap) D: S&P 500 1yr monthly average (11% cap, 3.5% certificate charge) E: Fixed Account (3.00%) 10% penalty free withdrawal via checkbook or Distributions Up to ½% of after 30 days. 10% penalty free withdrawal via checkbook or Distributions Up to ½% of after 30 days. 10% penalty free withdrawal via checkbook or Distributions Up to ½% of after 30 days. MD, OR, NY, OR, NY CT, ME, MD, NY, OK, OR, PA, TX, UT, ages 74 and below. 75 and above product can be annuitized for at least 5 years for full policy. ages 74 and below. 75 and above product can be annuitized for at least 5 years for full policy ages 70 and below. 70 and above product can be annuitized for at least 5 years for full policy 10,9,8,7,6,4% 10,10,9,9,8,7,6,5,4,2% 18,18,18,15,14,13,12,11,1 0,97,5,3,1% : 4.00% 81-85: 75% up front, 25% paid as an asset based trailer 86-90: 50% up front, 50% paid as an asset based trailer : 7.5%* 81-85: 75% up front, 25% paid as an asset based trailer 86-90: 50% up front, 50% paid as an asset based trailer *Varies depending on bonus 8.00% 2% on 100% of s for fixed account. 100% return of for all other accounts. 2% on 100% of s for fixed account. 100% return of for all other accounts. 2% on 100% of s for fixed account. 100% return of for all other accounts BMA RBC A S&P A Fitch A Index Master Dow 5 year Index Master S&P 7 year Index Master Dow 10 year Indexed Account: 100% Part. of DJIA, monthly average annual reset subject to 10% cap 2% spread Fixed Account: currently 3.00% Indexed Account: 100% Part. of S&P 500, monthly average annual reset subject to 10% cap and 2% spread. Fixed account: currently 3.50% Indexed Account: 100% Part. of DJIA, monthly average annual reset subject to 10% cap Fixed Account: currently 3.70% 10% of after first year or required minimum distribution. 10% of after first year or required minimum distribution. 10% of after first year or required minimum distribution. IL, NJ, ND, NY, OR, IL, NJ, ND, NY, OR, ND, NJ, NY, OR, SC, 6, 6, 6, 4, 2% 8,8,8,7,6,4,2% 12,12,12,11,10,9,8,6,4,2% 0-75: 4.00% 76-80: 3.00% 81-85: 2.00% 0-75: 6.00% 76-80: 4.75% 81-85: 3.50% 0-75: 9.00% 76-80: 7.25% 81-85: 5.25% 3% on 92% of 3% on 90% of 3% on 88% of Equitrust A S&P A Market Seven Index 100% Participation in: S&P 500 1yr daily average (7.5% cap) S&P 500 1yr point to point (6.50% cap) Fixed Account (3.00%) 10% penalty free of accumulated after 1 st interest within the 1 st year (current company practice) CT, DE, MA, OK, OR, PA, UT, VT, upon death of owners 12, 12, 12, 10, 8, 6, 4 6% 1-3% on 87.5% of Premium Varies by state

7 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE Equitrust A S&P A Market Value Index 100% Participation in: S&P 500 1yr monthly average (8.50% cap) S&P 500 1yr point to point Fixed Account (3.10%) 10% penalty free of accumulated after 1 st interest within the 1 st year (current company practice) CT, MA, MN, NJ, NY, PA, OR, VT, UT, upon death of owners 12, 12, 12, 12, 11, 10, 8, 6, 4, 2 10% 1-3% on 87.5% of Varies by state MarketPower Bonus 10% Premium Bonus on all 1 st year 100% Participation in: S&P 500 1yr daily average (7.50% cap) S&P 500 1yr point to point (6.50% cap) Fixed Account (3.00%) 10% penalty free of accumulated after 1 st interest within the 1 st year (current company practice) CT, IN, MA, PA, UT, VT, upon death of owners 20,20,19,19,18,17, 16,14,12,10,8,6,4, 2% Yrs 1-5: 8.50% Yrs 6-10: 4.25% 100% of s at 1.5% less partial withdrawals and surrender F&G A- Aa3 Spectrum Rewards Choice 9 () 3% Premium Bonus on all s in the 1 st year, credited on day is applied Spectrum Rewards Choice 7 () Spectrum Rewards Reserve () 4% Premium Bonus on all s in the 1 st Credited on day is applied Index Rewards 5 SPDA 100% Participation - 5 options annual E: Fixed Account 3.40% 100% Participation - 5 options annual E: Fixed Account 3.40% 100% Participation - 5 options annual E: Fixed Account 3.40% 100% Participation - 5 options annual E: Fixed Account 3.40% anniversary account anniversary account anniversary account anniversary account ($2,000 Minimum per option) ($2,000 Minimum per option) ($2,000 Minimum per option) CT, MA, MN, MT, NY, NC, UT, VT, CT, MA, MN, MT, NY, NC, UT, VT, AR, CT, MA, MN, NY, ND, OK, OR, UT, VT,, WI AR, CT, ID, MA, ME, MN, ND, NV, NY, OK, OR, TX, UT,, WI 12, 11, 10, 9, 8, 7,6 4, 2 Nursing home, terminal illness and unemployment waiver 7 Year 12, 11, 10, 8, 6, 4, 2 Nursing home, terminal illness and unemployment waiver 12.5, 11.5, 10.5, 9.5, 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5,.5 Nursing home, terminal illness and unemployment waiver 9,8,7,6,5% % s reduced by 50% for ages 8 7% or 5.75% with PTO s reduced by 50% for ages % Comm. Reduced by 50% ages % Reduced by 50% ages 8 1.5% or Floating State: minimum of 1% and a maximum of 3% (set at issue as determined by state law) See State Approvals 1.5% or Floating State: minimum of 1% and a maximum of 3% (set at issue as determined by state law) See State Approvals 100% s paid - any withdrawals, surrender there on, and any allocations, all accumulates at either 1.5% or by a floating min rate of 1% and a max rate of 3% (set at issue and as det by state law) effective annual interest rate, - any other surrender 1.5% on 100% of

8 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE F&G A- Aa3 Spectrum Rewards Bonus 6% bonus on all first year Index Rewards SPDA 100% Participation 4 options A: 1yr monthly point to point (3.50% cap) B: 2yr monthly point to point (4.50% cap) C: 3yr monthly point to point (5.00% cap) D: Fixed Account 2.40% annual reset (10% or 11% cap)* annual reset (9% cap)* annual reset (10% or 11% cap)* reset (9% cap)* E: Fixed Account 3%* *varies by state 25% of total s anniversary account $2,000 min additional s AL, AK, AR, CT, ME, MA, MN, NV, NM, NY, ND, OK, OR, RI, TX, UT,, WI CT, MA, MN, MT, NY, ND, OK, OR, UT, VT, 18,17,16,15,14,13,12,11,1 0,9,7,5,3,1% 10,10,10,10,10,8,6,4,2,1% 10.00% Reduced by 50% ages % Reduced by 50% ages 8 100% of s paid, less withdrawals accumulated at 1.5% 1.5% of 100% of initial in AR,AZ,CA,CO,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,M D,MI,MS,MO,NC,NE,NH,NJ, OH,PA,SC,SD,TN,VA,WV,W Y 3% on 100% on initial in AK,AL,ME,NV,NM,RI,TX,W I Loyalty Rewards 12% Account Value Escalator annual reset (10% cap) annual reset (8.5% cap) annual reset (10% cap) reset (8.5% cap) E: Fixed Account 3% anniversary account CT, MA, MN, NY, DN, OK, OR, UT, 15,15,15,15,15,14,12,10,8, 6,4,2% 8.00% Reduced by 50% ages 8 3% on 80% of initial. 3% of 88% of additional s. MarketSmart Index 10 (SPDA) 100% Participation in the S&P 500, 10yr point to point (with monthly averaging in the last year) minus 2.15% annual spread NO CAP!! 10% of. Al, DE, MA, upon death of owner 9, 8, 7,6, 5, 4, 3, 2, 1 Waived for Death or Nursing Home Confinement of 30 days or more 8.00% Reduced by 25% ages % on 90% of MarketSmart Index 5 (SPDA) 100% Participation in the S&P 500, 5yr point to point (with monthly averaging in the last year) minus 2.95% annual spread NO CAP!! 10% of. AL, DE, MA, upon death of owner 9, 8, 7, 6, 5 Waived for Death or Nursing Home Confinement of 30 days or more 3.00% Comm. Reduced by 25% ages % on 90% of ING MarketSmart Index 6 (SPDA) 100% Participation in the S&P 500, 6yr point to point (with monthly averaging in the last year) minus 2.50% annual spread NO CAP!! 10% of. AL, DE, MA, upon death of owner 9, 8, 7, 6, 5 Waived for Death or Nursing Home Confinement of 30 days or more 3.50% Comm. Reduced by 25% ages % on 90% of Fitch AA S&P AA Aa3 MarketSmart Index 7 (SPDA) 100% Participation in the S&P 500, 7yr point to point (with monthly averaging in the last year) minus 2.25% annual spread NO CAP!! 10% of. AL, DE, MA, upon death of owner 9, 8, 7, 6, 5 Waived for Death or Nursing Home Confinement of 30 days or more 4.50% Comm. Reduced by 25% ages % on 90% of Heritage Index SPDA 100% Participation in the S&P 500, 9yr point to point with monthly averaging in the last year minus 1.90% annual spread (2.15% spread w/ vested death benefit) NO CAP!! 10% of. AL, MA, NH, NJ, NY, ND, OR, upon death of owner 9,8,7,6,5,4,3,2,1% Surrender waived for death or confinement for 30 days or more in nursing home. 8.00% reduced 25% ages % on 90% of

9 Equity Index Annuities PRODUCT NAME INTEREST RATE FREE WITHDRAL MINIMUM PREMIUM NOT APPROVED DEATH BENEFIT SURRENDER CHARGES ISSUE AGES COMMISSION INFORMATION MINIMUM GTD VALUE ING Fitch AA S&P AA Aa3 ING Secure Index ING Secure Extra Index 1% Bonus on at end of 1 st 5 yrs 100% Participation Traditional Index Strategy: (7.50% cap for band, 8.00% cap for $100,000 band) Guaranteed Index Strategy: (5.50% cap for band, 6.00% cap for $100,000 band) guaranteed to earn at least 2% per Fixed Account: 3.50% 100% Participation Traditional Index Strategy: (7.00% cap for band, 7.50% cap for $100,000 band) Guaranteed Index Strategy: (5.00% cap for band, 5.50% cap for $100,000 band) guaranteed to earn at least 2% per Fixed Account: interest from fixed account within the first 10% withdrawals of after 1 st interest from fixed account within the first 10% withdrawals of after 1 st or $200/mo $1,500 or $50/mo or $200/mo $1,500 or $50/mo NJ, ND, NY OR MA, MN, ND, NJ, NY, OR, TX. UT, 12,12,12,10,8,6,4% Surrender waived for death or confinement for 30 days or more in nursing home. 12,12,12,10,8,7,6,5,4,2,0 % Surrender waived for death or confinement for 30 days or more in nursing home. 5.00% reduced 25% ages % yrs % reduced 25% ages % yrs 2-5 3% on 100% of 3% on 87% or Income Outcome 100% Participation Traditional Index Strategy: (cap TBD) Retirement Index Strategy: (cap TBD) Fixed Account: 1.50% interest from fixed account within the first 10% withdrawals of after 1 st or $200/mo $1,500 or $50/mo MA, MN, NY, ND, NY, OK, OR, PA, UT, VA, 12,12,12,10,8,7,6,5,4,2,0 % Surrender waived for death or confinement for 30 days or more in nursing home : 7.00% 3.00% yrs 4-6 3% on 87% of Investors Insurance Corp. B+ S&P BBB+ MarkOne 4% or 8% Premium Bonus available caps and part. Rates vary SummitMark 4% or 8% Premium Bonus available caps and part. Rates vary VistaMark 4% or 8% Premium Bonus available caps/interest rates vary 5 Indexing Options, annual reset (9% cap) B: S&P point to point, annual reset (7.50% cap) C: S&P 500 5yr point to point (70% participation rate) D: S&P yr point to point (75% participation rate) E: Fixed Account (3%) 5 Indexing Options, annual reset (10% cap) B: S&P point to point, annual C: S&P 500 5yr point to point (75% participation rate) D: S&P yr point to point (80% participation rate) E: Fixed Account () 4 Indexing Options A: S&P gain triggered account (6.25%) B: S&P point to point, annual reset (9.00% cap) (18.50% participation rate) D: Fixed Account (3.50%) 10% per year including the 1 st year 10% per year including the 1 st year up to 75% cumulative for 4% bonus 10% per year including the 1 st year up to 50% cumulative for 8% bonus 5% per year including the 1 st year 5% per year including the 1 st year up to 45% cumulative for 4% bonus 10% per year including the 1 st year up to 35% cumulative for 8% bonus 5% per year including the 1 st year 5% per year including the 1 st year up to 45% cumulative for 4% bonus 10% per year including the 1 st year up to 35% cumulative for 8% bonus No minimum on additional No minimum on additional No minimum on additional AL, AK, CT, DC, GA, HI, KS, KY, LA, MA, MD, ME, MN, NH, NJ, OR, RI, SC, SD, UT, VT, VA,, WI, WV States Approved: AZ, AR, CO, DE, FL, IA, ID, IL, MI, MO, MS, MT, NC, NE, NM, NV, OH, TN, TX, WY States Approved: AZ, AR, CO, DE, ID, MI, MS, MT, NE, NM, OH, TN, WY if issue age 74 and below Surrender if issue age above 75 or annuitization for 5 years for full if issue age 74 and below Surrender if issue age above 75 or annuitization for 5 years for full if issue age 74 and below Surrender if issue age above 75 or annuitization for 5 years for full MarkOne 15,14,13,12,11,10,9,8,7,6, MarkOne Extra 4 15,15,14,14,13,11,9,8,7,6, MarkOne Extra 8 15,15,15,14,14,13, 11,9,7,6, SummitMark 15,14,13,12,11,10,9,8,7,6, Extra 4 15,15,14,14,13,11,9,8,7,6, Extra 8 15,15,15,14,14,13, 11,9,7,6, VistaMark 15,14,13,12,11,10,9,8,7,6, Extra 4 15,15,14,14,13,11,9,8,7,6, Extra 8 15,15,15,14,14,13, 11,9,7,6, MarkOne : 7.00% 81-90: 4.20% MarkOne Extra 4 : 5.00% 81-90: 3.00% MarkOne Exta 8 : 3.00% 81-90: 1.80% SummitMark : 9.00% 81-90: 5.40% Extra 4 : 7.00% 81-90: 4.20% Extra 8 : 5.00% 81-90: 3.00% VistaMark 0-76: 7.00% 81-85: 5.60% 86-90: 4.00% Extra : 5.60% 81-85: 4.30% 86-90: 3.30% Extra : 4.00% 81-85: 3.30% 86-90: 2.40% Greater of the base guarantee: 3% on 75% of 1 st yr, 87.5% of additional Or Contract guarantee: s less surrender Greater of the base guarantee: 3% on 75% of 1 st yr, 87.5% of additional Or Contract guarantee: s less surrender Greater of the base guarantee: 3% on 75% of 1 st yr, 87.5% of additional Or Contract guarantee: s less surrender

10 Equity Index Annuities PRODUCT NAME INTEREST RATE FREE WITHDRAL MINIMUM PREMIUM NOT APPROVED DEATH BENEFIT SURRENDER CHARGES ISSUE AGES COMMISSION INFORMATION MINIMUM GTD VALUE Lincoln Benefit S&P Rating AA+ Saver s Index III () Heritage Max 10% Bonus on 1 st year 14.07% first year yield (reflects 3.70% fixed rate plus 10% bonus) Option A: S&P Monthly Average Annual Reset (100% Participation 7% Cap) Option B: S&P Monthly Average Annual Reset (60% Participation 8% Cap) 6 crediting options NO FEES, 12% cap on point to point options A: S&P 500 annual daily average (90% part) or annual point to point (75% part) B: DJIA annual daily average (90% part) or annual point to point (80% part) C: Nasdaq-100 annual point to point (70% part) D: S&P 400 annual daily average (85% part) or annual point to point (75% part) E: Russell 2000 annual daily average (65% part) or annual point to point (75% part) F: Fixed Account % 100% of account after year 1 $10,000 10% of each contract year after the first year $10,000 or $50/mo TSA MA, ND, NY, OR, VT, MA CT, FL, HI, IN, MD, MA, MN, NY, OK, OR, SC, UT, VA,. All surrender are waived on Value at death of owner or annuitant and paid to the beneficiary 10 Years 10, 10, 9, 9, 8, 7, 6, 4, 2 22,22,22,22,20,18,16,14,1 2,10,8,6,4, 2% (annuita nt) 0-99 (owner) 0-75 Owner 0-75: 8% Owner 76+: 5.5% 0.30% Accum. Value after year % 2.00% yrs % yrs % on 90% of initial 100% of s (excluding bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender North American AA Heritage Bonus 5% Bonus on 1 st year 9.25% first year yield (reflects 4.05% fixed rate plus 5% bonus) 6 crediting options NO FEES, 12% cap on point to point options A: S&P 500 annual daily average (95% part) or annual point to point (85% part) B: DJIA annual daily average (95% part) or annual point to point (85% part) C: Nasdaq-100 annual point to point (75% part) D: S&P 400 annual daily average (95% part) or annual point to point (85% part) E: Russell 2000 annual daily average (70% part) or annual point to point (80% part) F: Fixed Account 4.05% 10% of each contract year after the first year $10,000 or $50/mo TSA CT, FL, IN, MD, MA, MN, NY, OK, OR, SC, UT, VA, All surrender are waived on Value at death of owner or annuitant and paid to the beneficiary 20,19,18,17,16,14, 12,10,8,6,5,4,3,2, 1% % 3.00% yrs % yrs % yrs % of s (excluding bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender 6 crediting options NO Market Choice III Plus High Cap High Participation!! FEES, 12% cap on point to point options A: S&P 500 annual daily average (100% part) or annual point to point (100% part) B: DJIA annual daily average (100% part) or annual point to point (100% part) C: Nasdaq-100 annual point to point (95% part) D: S&P 400 annual daily average (100% part) or annual point to point (100% part) E: Russell 2000 annual daily average (90% part) or annual point to point (100% part) F: Fixed Account 5.10% 10% of each contract year after the first year $10,000 or $50/mo TSA CT, IN, KY, MA, MN, ND, NY, OK, OR, SC, TX, UT, All surrender are waived on Value at death of owner or annuitant and paid to the beneficiary 22,22,,22,22,22,20,18,16,1 4,12,10,8,6,4,2% % 3.00% yrs % yrs % yrs % of s (excluding bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender

11 Annuities NAME RATE WITHDRAL PREMIUM APPROVED BENEFIT CHARGES AGES INFORMATION VALUE North American AA Physicians AA Simple Seven Vista Index Solution 5% Premium Bonus on 10 year version 10% Premium Bonus on 15 year version S&P 500 annual daily average subject to 18% cap and 90% participation subject to 10% cap and 90% participation 7 Year 125% Participation annual reset (8.00% cap) B: S&P 500 annual reset point to point (6.50%) C: Fixed Account 3.45% 10 Year 100% Participation annual reset (9.00% cap) B: S&P 500 annual reset point to point (8.00%) C: Fixed Account 3.55% 15 Year 100% Participation annual reset (9.00% cap) B: S&P 500 annual reset point to point (8.00%) C: Fixed Account 3.70% 10% of each contract year after the first year 5% penalty free withdrawal after the 1 st year $10,000 or $50/mo TSA $2,500 $100 additional NY, OR, PA, SC, TX, UT, MA, NY, NY, OR, PA, TX, All surrender are waived on Value at death of owner or annuitant and paid to the beneficiary Equal to the guaranteed minimum account upon death of owner Or The greater of the guaranteed minimum account and the index account if annuitized for 5 years or more. 12,12,12,10,8,6,4% Most States Guaranteed minimum account % 1.00% yrs 2-5 Index 7 Index Index Index 7 Initial Prem: 4.00% 1st year: 2.50% 2 nd year:.50% Index 10 1 st 2 nd year Prem: 7.00% 3 rd year: 4.50% 4 th year: 1.25% Index 15 1st 4 th yr Prem: 9.00% 5 th year: 8.00% 6 th year: 4.75% 7 th year: 2.25% 100% of s (excluding bonus), less withdrawals, accumulated at 2% for the first 27 years, 3% thereafter, less surrender 3% on 90% of or 1.5% on 90% of depending on state Sun Keyport Index Multipoint SPDA Rolling Monthly average, annual highwater mark lockin 5yr 85% participation, no cap 7yr 100% participation, no cap 10yr 100% participation, no cap Must keep minimum account balance of $4,000 AL, CT, IA, MN, MO, ND, NY, OK, OR, RI, TX, UT, VT,, WI Beneficiary can continue contract or take lump sum equal to indexed as of prior anniversary 10% of single yr: 10% 7 yr: 5.50% 5yr: 5.00% 1.75% on 90% of