NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 11-04-15

NY FIXED & FIXED INDEXED ANNUITY BROKERAGE BULLETIN 11-04-15 NY LONG TERM CARE BROKERS, LTD. 11 EXECUTIVE PARK DRIVE, CLIFTON PARK, NY 12065 800-695-8224 or 518-371-5522 EXTN: JOE=109 COMPANY & PLAN MIN. RATE CURRENT MIN SURRENDER MAX PROD **ADDT'L 10bps FOR $100k 5 Yr 3.10 (2.10 YR 2-5) OVER LIFE OF CONTRACT 2.00% 0-79, 0.5% 80-85 $5k Waiver of s/c for PALLADIUM Qual & NQ 6 Yr 2.55 (2.55 YR 2-6) confinement & disability 10 Years 85 2.00% 0-79, 0.5% 80-85 MYG SPDA 1.00% 10% of value avail w/o charge yr 2 8-8-8-7-6-5-4-3-2-1 7 YR 3.65 (2.65 YR 2-7) Systematic interest yr 1 2.00% 0-79, 0.5% 80-85 SEP, ROTH, 403(B) 10 YR 3.60 (2.60 YR2-10) 30 Day window w/o s/c at 4.00% 0-79, 2% 80-85 end of guarantee period AMERICAN Fixed = 1.70% 10% free w/d beg yr 1 NATIONAL Performance Spec Rate = 2.70% Issue dates are OF NEW YORK ASIA $10,000 Monthly Sum = 1.35% 1st, 8th, 16th, 24th 7 Years 3.50% Ages 0-75 PLUS SPDA Ann pt-pt 100% Par = 4.00% S&P 500 7-6-5-4-3-2-1 80 2.50% Ages 76-80 AM BEST = A 7 Qual & NQ Ann pt-pt 75% Par = 5.60% No surrender charges Last S&P = A+ $5,000 Qual Ann pt-pt 50% Par = 9.60% upon death B-Day Comdex = 86 1% Annual minimum guarantee Confinement, disability & terminal illness riders Fixed = 1.85% 10% free w/d beg yr 1 $10,000 Performance Spec Rate = 2.90% Issue dates are SPDA Monthly Sum = 1.45% 1st, 8th, 16th, 24th 10 Years 80 5.50% Ages 0-75 ASIA Qual & NQ Ann pt-pt 100% Par = 4.25% S&P 500 9-9-8-7-6-5 Last 4.00% Ages 76-80 PLUS $5,000 Qual Ann pt-pt 75% Par = 6.00% No surrender charges 4-3-2-1 B-Day 10 Ann pt-pt 50% Par = 11.20% 1% Annual minimum guarantee upon death Confinement, disability & terminal illness riders

INSURANCE POLICY MIN RATE CURRENT MIN PRODUCT SURRENDER MAX PROD COMPANY NAME / PREMIUM GUAR INT % RATE INT FEATURES CHARGES ISSUE CODE BEST / S&P RATING TYPE RATE BASED ON SIGNED DATE THEN 7 BUS DAYS SUBMIT SOLUTIONS 15% FREE START YR 2 85 2.00% Age 0-75 MYG $10,000 <$100K 2.65% 90 DAY RATE LOCK 7 Years 1.00% Age 76-85 NQ & QUAL 7 YR $100K+ 2.80% 1.00 ON XFERS / REG 60S 7-6-5-4-3-2-1 SPDA W/ MVA <$100K 1.70% 1YR $100K+ 2.70% AFTER YR 1, 2 OF 6 ADL WAIVER OF S/C Base rate is 1.45% 1.00 2.00% Age 0-85 US Life of NY 0.15% Additional Int Rate Yr 1 on Qualified Contracts 85 NQ & 1 Yr Rate Guarantee WESTERN $2,000 Qual <$100K 1.65% Return of premium guarantee is 5 Years NATIONAL 5 $5,000 NQ 3 YR $100K+ 1.95% 1.00 greater of prems paid (minus 9-8-7-6-5-0 QUALIFIED 2.00% Age 0-85 SPDA Base rate is 1.40% w/drwls) or surr value ROLLOVERS 3 & 5Yr Rate Guarntee AM BEST = A <$100K 1.45% 1.00 After 30 days, withdrawals of S&P = A+ 5 YR $100K+ 1.65% interest only: Systematic $50 min 70 QUAL Comdex = 84 MIN ADDITIONAL Base rate is current rate mo-qtrly-sa-ann. OR random CONTRIB DEPOSITS $2,000 withdrawal $250 min. Min acct <$100K 2.75% value maintained $2,000. $2,000 Qual 1 YR $100K+ 3.75% 1.00 15% Surrender Charge Free $5,000 NQ Withdrawal after 30 days. 0.15% Additional Int Rate Yr 1 on Qualified Contracts 20% Cumulative begin yr 2 3.00% Age 0-85 WESTERN Base rate is 1.75% Roth IRA available 7 Years NATIONAL 7 <$100K 2.30% Rate is annually renewable 9-8-7-6-5-4-2-0 SPDA $2,000 Qual 3 YR $100K+ 2.60% 1.00 period expires. $5,000 NQ Base rate is 1.60% Rolling Surrender Charges MIN ADDITIONAL <$100K 1.90% 1.00 Flex products only DEPOSITS $2,000 5 YR $100K+ 2.10% Terminal illness rider, Base rate is current rate Extended care rider, & <$100K 1.90% 7 YR $100K+ 2.10% 1.00 Base rate is current rate activities of daily living rider Rate Lock 90 Days with Dor & Auth to Disclose faxed to company. AMERICAN $5,000 NQ 1 YR 4.15% 1.00 10% Free Withdrwls start 1st year 8 Years 2.00 Ages 0-75 PATHWAY Flex Premium 2.0% 1st Yr Interest Rate Bonus Inc. must leave min $5k in acct. Min 8-7-7-6-5-4-3-1-0 85 1.50 Ages 76-80 FLEX FIXED 8 $2,000 QUAL partial $250. Min Systematic 1.00 Ages 81-85 OR $300 MO EFT 90 DAY RATE LOCK FROM STEP 1 withdrawal $50. Roth IRA available. No Rolling Surrender Charges APP NEEDED W/IN 40 DAYS Death Benefit = annuity value at owner's death

AMERICAN EQUITY AM BEST = A- FPDA-1-NY Comdex = 63 ******SALES SUSPENDED******** SPDA-2-NY ******SALES SUSPENDED******** $15,000 Qual / $15,000 NQ SecureLiving <50K 1 YR 4.00 (2.75 YR 2) 1.00 10% Surrender Charge Free 6 Years 85 2.00 Age 0-75 Independence 50K / 99,999 1 YR 4.50 (2.75 YR 2) YRS 3-6 Witdrawals begin Year 1, 9-9-8-7-6-5-0 ANNUITANT 1.00 Age 76-80 NY >100K 1 YR 5.00 (2.75 YR 2) 1.00 Max 12 Per Year or Systematic OR OWNER 0.75 Age 81-85 Rate Lock 90 Days with Dor & Auth YRS 7-19 Roth IRA available. <$100K / $100-$249/ $250K+ Bailout: If the actual renewal GENWORTH 1 Year 2.00% - 3.00% - 3.75% rate is lower than the bailout Bailout 1.35% 1.35% 1.35% rate, have 45 days from anniv. SecureLiving Effec. Yield 1.46% 1.62% 1.75% 1.00% to move $ w/out charge 85 3.00% Age 0-75 Liberty 3 Year 2.00% - 2.60% - 2.80% Yrs 1-6 Annual Rate after guar period 6 Years ANNUITANT 1.50% Age 76-80 AM BEST = A NY Bailout 1.35% 1.35% 1.35% Roth IRA avail. 9-9-8-7-6-5-0 OR OWNER 0.75% Age 81-85 S&P = A Effec. Yield 1.67% 1.97% 2.07% 10% surr charge free Yr 1 Comdex = 79 5 Year 1.90% - 2.30% - 2.45% Min: $15K NQ & $15K Qual Rate Lock 90 Days with Dor & Auth Bailout 1.35% 1.35% 1.35% Effective yield is calculated Effec. Yield 1.81% 2.14% 2.27% over 6 yr period using initial rate then bailout rate for remaining yrs $500 Min PREFERRED or PRODUCT TEMP SUSPENDED 5 Years 2.00% 0-79 GREATER ANNUITY $25 monthly Flex premium / no rolling charges 6-5-4-3-2 90 0.75% 80-90 BENEFICIAL UNION Max is $500K 1 YR 3.00% Interest available beg 30 days Age nearest birthday OF 10% of principal avail w/o charge PITTSBURGH beginning year 2 PREFERRED PRODUCT TEMP SUSPENDED SEP, ROTH 8 Years 3.00% 0-79 AM BEST = B++ 8 $10,000 1 YR all available 7-7-6-6-5-4-3-2 90 1% 80-90 ANNUITY 45 Day Rate Lock from Age nearest birthday Application recvd date

10% Free w/drwls begin yr 1 SINGLE PREM 4 YR 2.00 (1.00 YR 2-4) Waiver of s/c's for limited life 7-6-5-4 1.25%, 1%(76-85), 0.5% MultiVantage 5 YR 2.45 (1.45 YR 2-5) 1.50 expectancy, confinement to nursing 7-6-5-4-3 89 1.75%, 1.25%(76-85), 1% MVA $20,000 7 YR 3.00 (2.00 YR 2-7) home, hospt., licensed facitility 7-6-5-4-3-2-1 2.25%,1.45%(76-85)1.05% NATL INTEGRITY 10 YR 3.35 (2.35YR2-10) End of GRO, can go to 1 yr 7-6-5-4-3-2-1 2.75%,1.95%(76-85)1.25% AM BEST = A+ bucket w/o sc's or mva MVA S&P = AA+ QIO 1YR 2.75 QIO ONLY: 1 YR RATE 1.25% Ages 0-79 Comdex = 97 FLEX PREMIUM 2 YR N/A transfer to other rate options with- 7 Years 4.50% Ages 0-79 NEW $2,000 Qual 3 YR N/A in one year, and receive same 7-6-5-4-3-2-1-0 2.50% Age 80-85 MOMENTUM $5,000 N/Q 5 YR 2.05 (1.30 YR 2-5) 1.50 base rates as new money. MVA 85 MVA 7 YR 2.50 (1.75 YR 2-7) Roth IRA available. 2.75% 0-79 / 0.75 80+ 10 YR 2.85 (2.10 YR2-10) "Ladder" New Mom Interest Rates 2 & 3 yr GRO Dividing $ Between Interest Rate 7 Years 3.50% Ages 0-79 SPDA II SINGLE PREM 3 YR 2.70 (1.70 YR 2-3) 1.50 Guarantees in the Same Contract 7-7-7-6-5-4-3-0 85 1.75% Age 80-85 $3,000 Qual 5 YR 2.55 (1.55 YR2-5) No Surrender Charges or MVA NO MVA *** 1% reduction $3,000 N/Q Rate Lock 60 Days -DOR & AUTH All Products or Charbegack on Death ROP Guarantee comp for 5 yr option $10,000 Q & NQ 1.00% CURRENT MINIMUM INDEX FLEX PREMIUM (MIN $2,000 GUARANTEED INTEREST RATE Annual Reset - Lock In YRS 1-3 PER OPTION) Full Account Value At Death 7 Years 85 3.50% Age 0-75 FIDELITY & Additional Premiums $2,000 Terminal Illness and 10% Years 1-4 1.75% Age 76-85 GUARANTY FGNYIndex SPEC FREE = MONTHLY POINT TO POINT CAP = 1.50% Nursing Home Rider Included 8-6-3-0 Safety 7 SPEC FREE = MONTHLY AVERAGE ANN CAP = 3.25% Surrender Charge Free Withdrawal AM BEST = B++ SPEC FREE = ANNUAL POINT TO POINT CAP = 3.00% 10% of 1st Year's Prem after 1st Yr. Comdex = 48 SPEC FREE = FIXED INTEREST RATE = 1.25% Roth IRA available FGNYIndex SPEC FREE 10=MONTHLY POINT TO POINT CAP =1.50% Guaranteed Minimum on 10 Years Choice 10 SPEC FREE 10=MONTHLY AVERAGE ANN CAP = 3.25% Fixed Interest Account = 1% 10% Years 1-6 85 YRS 1-3 SPEC FREE 10 = ANNUAL POINT TO POINT CAP = 3.00% Minimum Caps: 1.0% Mo PtP 8-6-4-2-0 4.00% Age 0-75 SPEC FREE 10 = FIXED INTEREST RATE = 1.25% 3.0% Ann PtP, Mo Avg. 2.00% Age 76-85 2% Premium Bonus on initial deposit Spectrum Freedom 10 Liquidity Rider allows 10% 5 YR 2.50% free after yr 1, SEPP waiver, 5 Year ATHENE ANNUITY& 7 YR 2.95% confinement waiver, term ill 5 Year 2.10% 0-75 LIFE ASSU. CO. NY ATHENE $10,000 Illiquid waiver & RMD Waiver 7-6-5-4-3 1.10% 76-80 MaxRate MIN 1.00 30 Day window at end of 80 AM BEST = B++ MYGA 5 YR 2.30% term or new 5 yr guar starts 7 Year 7 Year 7 YR 2.70% with 5-4-3-2-1 chrg sched 7-6-5-4-3-2-1 2.50% 0-75 MVA with Annuitization avail after 1.50% 76-80 liquidity year 2, no surr charges rider or chargeback

1 YR Roth IRA avail. $5,000 NQ < $100K Guaranteed return of premium 2.50% Age 0-80 $4,000 QUAL $100k + 1.00 except for Select which 5 Years 90 1.30% Age 81-85 PRINCIPAL GUARANTEED has an MVA 7-7-7-6-5 0.65% Age 86-90 FIXED $2K MIN ADDS 3 YR Waiver of surr charge & AM BEST = A+ FLEX YR 1 ONLY MVA (Select) for terminal S&P = A 5 YR illness, disability, nursing Comdex = 92 $5,000 NQ 1 YR home iss age to 90. $4,000 QUAL < $100K 10% free w/drwl begin 2.50% Age 0-80 Yr 1 FPDA PLUS $2K MIN ADDS $100k + 1.00 Yr 1 or RMD, whichever > 7 Years 1.25% Age 81-85 Yr 1 2% Premium Credit 5 YR 1 Yr rates have premium 6-6-6-5-4-3-2 90 0.70% Age 86-90 Yr 1 FLEX YR 1 ONLY 7 YR credit with the interest UNLESS 1 YR RATE CHOSEN rate quoted as the first 3 YR year yield. SELECT $50,000 <$100K 0.50 NO ROLLING S/CHARGES 3 YEARS 1% Ages 0-80 SERIES QUAL & NQ $100k + Rate annually renews 7%, 7%, 7% 85 0.50% Age 80+ after guarantee period MVA 0.0% > $2 million 4 YR <$50K 7-6-6-5 2.25% (4) 3.00% (6) 0-80 SECURE $5K QUAL & NQ $50-$99 Same as Above, except 1.5%(4) 2.00%(6) 81-85 FIXED $2K ADDS $100K+ 1.00 Flex in yr 1 only 90 0.75%(4) 1.05%(6) 86+ 6 YR 15% Free each year 0.%(4) 0.0%(6) $2M+ <$50K 7-6-6-5-5-4 $50-$99 $100K+ SINGLE PREM SPDA $5,000 + 1 YR 1.80 No Bailout 1.00 Begin Year 2: Withdraw up to 7 Years 84 3.00% Ages 0-75 SECURITY MUTUAL $25,000 1 YR 2.05 No Bailout 1.00 10% Surrender Charge Free 7-7-7-6-5-4-3-0 2.00% Ages 76-85 LIFE INSURANCE $5,000+ 1 YR 1.55 With Bailout 1.00 Systematic Withdrawals COMPANY OF NY $25,000 + 1YR 1.80 With Bailout 1.00 mo/ /qtrly / sa / ann max. 10% ann SPDA $5,000 + 3 YR 2.10 No Bailout 1.00 "Bail Out" if renewal interest rate drops 1% or more below rate credited during prior 12 months. AM BEST = A- $25,000 3 YR 2.35 No Bailout 1.00 7 Years 84 3.00% Ages 0-75 $5,000 + 3 YR 1.85 With Bailout 1.00 9-9-9-8-7-6-5-0 2.00% Ages 76-85 *E&O REQUIRED $25,000 3 YR 2.10 With Bailout 1.00 Rate Lock Upon Receipt of App at Co. 5% free w/drwl year 1, then This product also SPDA $5K - < $25,000 5YR 1.65% 1.00 10% of prior yr value yr 2+ 5 Years 84 3.00% Ages 0-75 avail CT, FL, PA, NJ 5&5 $25,000 + 5YR 1.90% 60 day rate lock from app 7-7-7-6-5 2.00% Ages 76-85 recvd date

Interest is base rate for guarantee period 10% free withdrawals Yr 1 CUSTOM 5 $25,000 $100 - $249,999 2.30% Surr chrgs waived after 30 5 Years 2.25% Ages 0-75 SPDA $250,000 + 2.35% 1.00% days of confine in a 7-7 - 7-6 - 5 85 1.25% Ages 76-85 FIRST SYMETRA Qual & NQ 5 Year Base Rate nursing home or hospital, and up to 60 days after release. AM BEST = A Adds of $1K or $50 - $99,999 1.70% If confined on contract date S&P = A more avail Yr 1 $100 - $249,999 2.10% not eligible for waiver until Comdex = 80 $250,000 + 2.15% after 1st contract year. Interest is 1st year rate then base rate for the remainder of guartee period 1 % min guarantee $250 + 3.60% 3.10% 10% free withdrawals 7 Years $10,000 5 Year 1st Yr Base Rate avail beg yr 1 3.75% Ages 0-75 CUSTOM 7 SPDA $10 - $49,999 2.25% 1.75% Surr chrgs waived after 30 8-8-7-7-6-5-4 85 2.00% Ages 76-85 Qual & NQ Adds of $1K or more avail Yr 1 3 Year Base Rate $25 - $49,999 1.85% $50 - $99,999 1.95% $25 - $49,999 1.45% 3 Year 1st Yr Base Rate $10 - $49,999 2.30% 1.80% $50 - $99,999 2.70% 2.20% $100 - $249,9999 3.40% 2.90% $50 - $99,999 2.55% 2.05% $100 - $249,999 2.90% 2.40% $250+ 2.95% 2.45% 7 Year 1st Yr Base Rate $10 - $49,999 2.20% 1.70% $50 - $99,999 2.50% 2.00% $100 - $249,999 2.85% 2.35% $250+ 2.90% 2.40% days of confine in a nursing home or hospital, and up to 60 days after release. If confined on contract date not eligible for waiver until after 1st contract year. DATA SHOWN, WHILE BELIEVED TO BE ACCURATE, IS NOT GUARANTEED. CALL TO CONFIRM RATES BEFORE QUOTING. FOR AGENT INFORMATION ONLY NOT FOR PUBLIC DISTRIBUTION. CALL FOR QUESTIONS: 1-800-695-8224 Joe x109 (PROD CODE FOR IN-HOUSE AGENTS 0050 LOWER) WE APPRECIATE THAT YOU CHOOSE NY LONG TERM CARE BROKERS, LTD!