Single Premium Immediate Annuities Last update November 24, 2014

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1 AIG Annuities Allianz American National Genworth Genworth NY Amer. Pathway Immediate Immediate Annuity Palladium Immediate Annuity SL Income Provider SL Income Provider NY A Best A Best A Best A Best A Best A+ Standard & Poors AA Standard & Poors A Standard & Poors A Standard & Poors A Standard & Poors A2 Moody's A2 Moody's A2 Moody's A2 Moody's 82 Comdex 87 Comdex 81 Comdex 78 Comdex 78 Comdex All Options 0-90 Life Options 0-90 Life Options (0-85 for NJ & OR) 0-95 Period Certain Only 0-95 Period Certain Only $10,000 $25,000 $15,000 - NQ $25,000 $25,000 $5 million max with home office approval required for all premiums above $1 million. Funds must arrive w/in 90 days Funds must arrive w/in 30 days Funds must arrive w/in 60 days Funds must arrive w/in 60 days Funds must arrive w/in 60 days 1% - 6% per year 1% - 6% per year t available t available Full and patial available after 3rd yr. Full and partial available after 5th yr. Partial: Up to 10% of commuted value. Partial: 20% to 80% of commuted valued. All payout options. MS, NY NY FL, NY NY - Sold by American National of NY Qualified plans in OR except IRAs Available in NY only Certain only option in MD 1.50% < 7-year certain only Ages 0-100: > 10 yr certain, certain & life, life only: 2.50% 7 to 14-yr certain only 3.00% 3.00% Ages % 5-9 year payout 2.00% All Options 3.00% All other options 1.50% Ages % All Other Options < 10 year certain, certain & life: 1.50% Ages 0-90 CPI Option Available in all states Life with certain ( in MD, PA, SC) Income Withdrawal Feature, or except for HI, IL, MN, NJ, OR. Death Benefit available on period certain options. not available in MN, NJ commutation, not available in NY. Early Advance feature also available. t offered in CT. OR or WA. Early Advance feature available.

2 Integrity Life Lincoln Financial Group Minnesota Life Mutual of Omaha Nationwide Income Source Lincoln Insured Income IncomeToday! Wealth Manager Income Promise A+ Best A+ Best A+ Best A+ Best A+ Best AA+ Standard & Poors AA- Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors Aa3 Moody's A2 Moody's Aa3 Moody's A1 Moody's A1 Moody's 97 Comdex 89 Comdex 93 Comdex 91 Comdex 88 Comdex 85 Life Options 0-85 Life with Tern Certain 0-85 life only 5 95 Period Certain Only 0-95 Period Cert. Only / 0-80 Life Only 0-90 All Other Options $10,000 $10,000 - certain only option $25,000 - Life Options $25,000 $5,000 NQ & Q $10,000 age 0-75/$500K age 76+ on joint life cases ne ne Illustration valid up to 10 days Funds must arrive w/in 60 days Funds must arrive w/in 60 days* Funds must arrive w/in 60 days* Funds must arrive w/in 30 days Funds must arrive w/in 30 days 1% - 3% per year Partial available after 1st year. Partial: 10% to 90% of present value At least 10 years of guaranteed payments* NY - Sold by National Integrity AK, DC, GA, ID, KS, LA, MS, NH, NJ, NM, OK, OR, VA. Partial available immediately. 25% to 75% of withdrawal value. Must include period certain. < 10 Year Certain Only 3.00% 5-9 year payout 3.00% Ages 0-95: 1.00% Ages % Ages 50-85: 1.00% 5-9 period certain 3.75% 10 yrs+ and Life payout 3.00% All Other Options Ages % All Other Options 1.00% Ages % Ages not available in NY, OR *Rate lock must be selected on *Rate lock must be selected on not available in OR. product disclosure form. Client will product disclosure form. Client will receive rate locked in at regardless receive locked in rate whether if rates are higher or lower at the rates are higher or lower. time the funds arrive. NV, NY 1% - 3% per year Full and full available immediately. Partial: any % of liquidity value.

3 rth American Penn Mutual Principal Protective Life Securian Life Income Annuity Pro Payer income Annuity IncomeToday! A+ Best A+ Best A+ Best A+ Best A+ Best A+ Standard & Poors AA- Standard & Poors A Standard & Poors AA- Standard & Poors AA- Standard & Poors Aa3 Moody's Aa3 Moody's A2 Moody's Aa3 Moody's 93 Comdex 96 Comdex 92 Comdex 87 Comdex 93 Comdex 0-85 Life Options 0-79 Life Only 0-85 Life Only 0-95 Period Certain Only 0-95 All Other Options 0-99 All Other Options $10,000 NQ $2,000 Q $10,000 NQ & Q $10,000 $10,000 $25,000 $3,000,000 wiithout home office approval ne ne Quote valid during month illustrated Illustration valid for 9 days Quote valid until rate change Illustration valid up to 10 days Funds must arrive w/in 45 days Funds must arrive w/in 45 days Funds must arrive w/in 60 days Funds must arrive w/in 60 days Funds must arrive w/in 60 days* AL & NY Yes, for NQ only Only offered as an option to bene. Partial or full available after 1st year. Up to 100% of the discounted value. 2.00% 5-9 period certain 2.00% All other payout options 3.00% Ages 0-85: 1.50% 5-9 yr period certain 3.00% Ages 0-99: < 10 Year Certain Only Ages 0-90 All Other Options Commissions are held for 30 days on all cases that are $500k+ 3.00% All other options: Reduced comp at $2M Ages 0-80 Ages Full available immediately. Amount available will depend on the contract year. LA, MT, NY, OR, Partial available immediately. 25% to 75% of withdrawal value. Must include period certain. Approved in NY. All other states sold by Minnesota Life not available in OR available on period certain only payout. Advance Withdrawal Benefit available. *Rate lock must be selected on product disclosure form. Client will receive locked in rate whether rates are higher or lower.

4 Symetra The Standard United of Omaha United of Omaha United States Life Advantage Income Tailored Income Income Access Ultra-Income Premier Income Annuity A Best A Best A+ Best A+ Best A Best A Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A+ Standard & Poors A3 Moody's A2 Moody's A1 Moody's A1 Moody's A2 Moody's 79 Comdex 82 Comdex 91 Comdex 91 Comdex 82 Comdex 0-95 $10, $15,000 $10,000 $10,000 $5,000 $5,000,000 without approval Illustration valid for 10 days Funds must arrive w/in 60 days 0.10% % per year Partial available after 3 years. Up to 30% of value of future payments.* Any payout option. Available in all states Illustration valid for 30 days Funds must arrive w/in 30 days* Funds must arrive w/in 60 days Funds must arrive w/in 60 days Funds must arrive w/in 90 days 3% per year 1% - 6% per year Partial available after 2 years. See remarks and call for additional 10% of future benefits.** details. Any payout option. Available only in: TX, PA, OR, NY WA NY 1.50% < 7-year certain only 3.00% Ages 0-95: 3.00% Ages 0-90: 3.50% Ages 0-85: 3.50% Ages 0-85: 2.50% 7 to 14-yr certain only 3.00% All other options Installment Refund Available Liquidity not offered in WA and OR *The up to 30% can be requested as frequently as every 36 months. *Funds must arrive within 30 days of the date of the illustration. **A maximum of 20% of future payments can be commuted over life of the contract. Liquidity Features include: return of premium for cancellation and terminal illness. PERC and nursing home rider enhances payouts.

5 VOYA Financial A Best A- Standard & Poors A3 Moody's 75 Comdex 0-80 Life Options $15,000 Illustration valid while rate is offered. Funds must arrive w/in 14 days t available AL, NY 2.00% Ages 0-80 *Rates are reviewed bi-weekly. Illustrations are valid while current rate is offered. App must be signed w/in 7 days from the date the new rate went into effect.