premium bonus!!! · • nursing home waiver and terminal illness rider • 6.00% rollup rate for up...

(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.

TREEBrokerage

Annuity Product Reference GuideINDEXED

March

OPEN HERE!Your potential annuity

sales await!

2020Last Updated

03/17/20

Contact us Today!

Chris Simpson, [email protected] Reynolds, [email protected] Mullins, [email protected] Semler, [email protected]

(toll-free) 888-591-1341(local) 276-591-1341(fax) 276-591-1344

www.oaktreeus.com

• 10%PremiumBonus!• PremiumBonusVestedDay1• 5IndexstrategiesandFixedAccountat1.50%• 10%AnnualFreeWithdrawalsAfterFirstYear• FullAccountValueatDeath

• 14yearsurrenderchargeschedule• NursingHomeWaiverandTerminalIllnessRider• 6.00%rolluprateforupto10yearsonOptional• IncomeRider!• 2YearMonthlyAverageCapat8.00%(Ratesif

IncomeRiderNotElected)

FEEL THE POWER

MarketPowerBonusIndex®

PremiumBonus!!!

10.00%

EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B++ by A.M. Best Company for its relative financial strength and ability to meet its obligations to policyholders. Surrender of the policy may be subject to a surrender charge and market value adjustment. Withdrawals may be subject to federal income tax and a 10% IRS penalty prior to age 59 1/2. Withdrawals do not participate in index returns. Product not available in all states. EquiTrust Life Insur-ance Company, West Des Moines, IA. Contract is issued on Contract Form Series ET-MPP-2000 (02-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05). FOR PRODUCER USE ONLY.AC18-MPP-1123

Callustoday!

from EquiTrust Life Insurance Company®

4.50%-5.60% Interest Rate Caps allows capture of market gains without market risk.1

Guaranteed Lifetime Withdrawal Benefit avail-able with 6.75%2 Income Account Rate.3

Waiver of withdrawal charges for terminal illness, home health care and nurs-ing home benefit. 4

SELECT SERIES FIXED INDEXED ANNUITYDuration 3-Year 5-Year 7-Year 10-YearFixed Rate 1.55% 1.90% 1.95% 2.15%Cap 3.95% 4.75% 4.90% 5.30%

ANNUITYOPTIONS}

1 This policy does not participate directly in any stock or equity investments. The cap is guaranteed for the first policy year. Thereafter, the cap may be changed annually by Oxford Life. Effective 03/01/2020 and subject to change. 2 Rate applies to the first three, five, seven, or ten year policy years based upon rate at issue. 3 The income account value is not available for withdrawal or cash surrender and is only used to calculate the guaranteed lifetime withdrawal benefit amount. The Guaranteed Lifetime Withdrawal Benefit is available at the time of application for an additional annual fee of 3/4% of the accumulation value of the base contract. Rider form GLWB210 and state-specific variations where applicable. 4 For eligible qualifying event. Not available in all states. Rider form DA520

Call us Today!800-842-9124www.oaktreeus.com

THIS IS A SOLICITATION FOR ANNUITY PRODUCTSO-AN1298C4

APERFECT

1010YearSurrender

with

EquiTrustLife’sMarket Value EIA

• Compounding6.00%Roll-upRateforupto10years• 4IndexStrategiesandaFixedAccountat2.75%• AccumulationValueatDeath• 2-YearMonthlyAverageCapwith12%CAP• NoCapoptionwith31.00%Participationrate• FreeWithdrawals;10%afterFirstYear• Monthlyinterestoption• NursingHomeWaiver

(RatesifincomeRiderNotElected)

MarketValueEIA,isissuedbyEquiTrustLifeInsuranceCompany.Subjecttoavail-ability.Refertobrochureandcontractformoredetails.FORBROKERUSEONLY.Notforpublicuse.Withdrawalsmaybesubjecttosurrendercharges,marketvalueadjustments,and/orfederalincometax.A10%federalincometaxpenaltymayapplytowithdrawalstakenbeforeage59½.

Brokerage

TREE CallusTodayforMoreDetails!

888-591-1341

4 INDEXEDANNUITIES5 GUARANTEEINCOMERIDER(BENEFITLIVING)COMPARISON6-7 AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(888)221-1234

7-8 AMERICANGENERALLIFECOMPANIES* PoliciesissuedbyAmericanGeneralLifeandUnitedStatesLife(NYonly) A.M.BestRating*=A(excellent)(888)438-6933

15 AMERICANNATIONALINSURANCECOMPANY A.M.BestRating=A(excellent)(800)835-5320

9-10 ATHENEANNUITY&LIFEASSURANCECOMPANY A.M.BestRating=A(excellent)(855)428-4363,option1

11 ATLANTICCOASTLIFEINSURANCECOMPANY A.M.BestRating=B++(good)(844)442-3847

13-14 EQUITABLELIFE&CASUALTYINSURANCECOMPANY A.M.BestRating=B+(good)(800)352-5121

15 EQUITRUSTLIFEINSURANCECOMPANY A.M.BestRating=B++(good)(866)598-3694

16 GLOBALATLANTICFINANCIALGROUP A.M.BestRating=A(excellent)(866)645-2449

17-20 GREATAMERICANLIFEINSURANCECOMPANY A.M.BestRating=A(excellent)(800)438-3398x11999

20 GUGGENHEIMLIFE&ANNUITYCOMPANY A.M.BestRating=B++(good)(800)767-7749

21 LINCOLNFINANCIALGROUP A.M.BestRating=A+(superior)(800)238-6252

22-23 NASSAURECOMPANY A.M.BestRating=B+(good)888-794-4447

24-27 NORTHAMERICANCOMPANYFORLIFEANDHEALTH A.M.BestRating=A+(superior)(877)586-0242x35676

28 OXFORDLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(800)308-2318

29 PROTECTIVELIFEINSURANCECOMPANY A.M.BestRating=A+(superior)(800)421-5614

27 SAGICORLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(888)724-4267x6180

Table of Contents - Company Overviews


*ThemostprominentindependentratingsagenciescontinuetorecognizeAmericanGeneralLifeInsuranceCompanyintermsofinsurerfinancialstrength.Forcurrentinsurerfinancialstrengthratings,pleaseconsultourInternetWebpage,www.amer-icangeneral.com/ratings.SeeAdvertisingDisclosuresforadditionalinformation.

3

IndexedAnnuitiesCompany ProductName Bonus Design Cap Fixed

Rate

S&P500Participation

Rate

MinimumSurrenderValue

SurrenderChargePeriod

Commission(lessatOlder

Ages)5yeartermSagicorLife SageSecure5($25,000-$100,000) 0.00% 2 3.45% 1.60% 100%FirstYear 1.00%on100% 5years 1.75%GreatAmericanLife AmericanLandmark5 0.00% 2 3.65% 1.60% 100%FirstYear 1.00%on87.5% 5years 3.75%OxfordLife SeriesSelect 0.00% 2 4.75% 1.90% 100%FirstYear 1.00%on87.5% 5years 3.50%6yeartermProtectiveLife ProtectiveAssetBuilder 0.00% 2 3.90% 1.40% 100%FirstYear 1.00%on100% 6years 3.00%7yeartermEquitableLife TetonBonus7 5.00% 2 3.75% 2.00% 100%FirstYear 1.00%on87.5% 7years 5.50%AmericanNational StrategyPlus-7 1.00% 2 3.40% 1.90% 100%FirstYear 1.00%on87.5% 7years 5.00%AtheneAnnuity PerformanceElite-7 0.00% 2 4.00% 1.50% 100%FirstYear 1.00%on100% 7years 5.00%GlobalAtlantic ChoiceAccumulationII 0.00% 2 3.90% 1.85% 100%FirstYear 1.00%on100% 7years 5.00%8yeartermNorthAmerican PerformanceChoice8 0.00% 2 4.00% 1.90% 100%FirstYear 1.00%on87.5% 8years 4.75%9yeartermSagicorLife SageSelect-9 4.00% 1 4.00% 2.00% 100%FirstYear 3.00%on87.5% 9years 4.50%10yeartermAtheneAnnuity PerformanceElite-10 3.00% 2 3.50% 1.40% 100%FirstYear 1.00%on87.5% 10years 6.50%Guggenheim Highlander 4.00% 2 3.50% 2.00% 100%FirstYear 1.00%on100% 10years 7.00%EquitableLife TetonBonus10 7.00% 2 4.50% 2.25% 100%FirstYear 1.00%on87.5% 10years 7.35%EquiTrustLife MarketValueEIA 0.00% 7 12.00% 2.25% 100%FirstYear 2.00%on87.5% 10years 7.00%AmericanNational StrategyPlus-10 1.00% 2 3.50% 2.00% 100%FirstYear 1.00%on87.5% 10years 7.00%GreatAmericanLife SafeReturn 0.00% 2 3.00% 1.20% 100%ForTerm 1.00%on100% 10years 5.50%NorthAmerican CharterPlus-10 3.00%for7yrs 2 2.25% 0.90% 100%FirstYear 1.00%on87.5% 10years 6.50%NorthAmerican VersaChoice 0.00% 2 3.25% 1.40% 100%FirstYear 1.00%on100% 10years 6.50%GlobalAtlantic ChoiceAccumulationII 0.00% 2 4.00% 1.95% 100%FirstYear 1.00%on100% 10years 6.00%EquiTrustLife Market10Bonus 6.00%for5yrs 7 5.00% 1.05% 100%FirstYear 1.00%on100% 10years 6.00%OxfordLife RoyalSelect 8.00% 2 3.70% 1.35% 100%FirstYear 1.00%on87.5% 10years 6.50%14yeartermEquiTrustLife MarketPowerBonus 10.00% 7 6.00% 1.15% 100%FirstYear 2.00%on87.5% 14years 8.00%NorthAmerican CharterPlus-14 5.00%for7yrs 2 2.50% 1.10% 100%FirstYear 1.00%on87.5% 14years 6.50%EquitableLife TetonBonus14 10.00% 2 5.00% 2.50% 100%FirstYear 1.00%on87.5% 14years 9.00%

1 = Monthly Average Annual Reset 2 = Annual Point to Point Reset 3 = Point to Point 4 = Monthly Point to Point Annual Reset 5 = Monthly Cap Annual Reset 6 = High Water Rolling for Monthly Term7 = 2 year Monthly Average 8 = Trigger Point 9 = 18 Monthly Average *RATES AND COMMISSIONS SUBJECT TO CHANGE. CHECK INDIVIDUAL COMMISSION SCHEDULES FOR GUARANTEED ACCURACY AND DESCRIPTIONS !!!* Call for state approvals.

(A)6.00% day 1, 2.00% 1st anniversary yr., 2.00% 2nd anniversary yr., 2.00% 3rd Anniversary Yr.

(B) 4.00% year 1, 2.00% 1st anniversary yr., 1.00% 2nd anniversary yr..


4

(Lower Band Rates Shown)UpdatedMarch17,2020

American General

American National

Athene Annuity

AtheneAnnuity EquiTrust EquiTrust EquiTrust EquiTrust Great

American GuggenheimLincoln

Financial Group

Nassau RE Oxford Life

Lifetime Income

Plus Flex

Strategy Plus

Income Rider

AscentIncome

RiderOption 1

AscentIncome

RiderOption 2

Market Value

IR

MarketTenIR

MarketSeven

IR

Market Power

IR

Income Secure

Lifetime Withdrawal

Rider

LincolnLifetime Income

Edge

Income Strategy

TomorrowGLWB

Roll-up Rate in Accumulation Period

7.00% for 10 years

7.20% 10 years or

4.20% plus interest for

10 years

20% income base bonus10% Simple

yrs 1-105% Simple yrs 11-20

5% Income base bonus

8.00% Simpleyears 1-10

4% yrs 11-20Par rate=200%

10% Income Base Bonus 4% Roll Up

Plus Credited Rate for 10

Years

6.50% for 10 years

7.00% for 7 years

6.00% for 10 years

7% Simple Interest for 10

years

10% Income Base Bonus, 4% roll-up + stacking

credits for 20 years

Step-up Benefit factor*

5% minimumfor 10 years

14.00% Simple

Interest for 10 years

7.15% annually

for first ten policy years

Interest Credited Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually

Income W/D Multiplier - Confinement Feature(See Contract for Qualifying Confine-ment Criteria)

No No

Yes180 days of

confinement, Not available in all states

No Yes Based on ADL’s

Yes Based on ADL’s

Yes Based on ADL’s

Yes Based on ADL’s No No

10% of Income Base

Annually Check State Availability

No Yes

Start Stop Option Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

Rider Charge(calculated annually against the IAV, deducted monthly from AV)

1.00% 0.90%

0.60% with stacking

1.00% 1.00% 0.95% 1.00% 1.25% 1.25% 0.95% 0.90% 0.95% 0.95% 0.95%

Increasing Benefit Option Yes No Yes Yes No No No No No No No No No

Guaranteed Payments for Life

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

Withdrawal Phase Waiting Period

1 Year and 60 year old

1 year and 50 year old Age 50 Age 50 1 Years and

50 year old1 Years and 50 year old

1 Years and 50 year old

1 Years and 50 year old 55 year old 1 Year and 60

year old Age 50 Age 50 1 Year and50 year old

Rider Charge Refund No No No No No No No No Yes No No No No

Account Available at DeathNo No No No No No No No No No No No Yes

Joint Lifetime Withdrawal Option available Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

State Availability

All except: NY

All except: CA, NY

All except: NY

All except: NJ, NY, WA

All except: NY

All except: NY

All except: NY, OR

All except: CA, DE, NY

All except: NY, WA

All except: NY

All except: NY See Page 22

All except: AL, NY, VT, WV (MT &

CA for some products)

Issue Ages50-75 40-80 35-80 40-80 40-80 40-80 40-85 40-75 45-85 45-80 35-85 0-80 50+

Guarantee Income Rider (Living Benefit) Comparison

For Agent Use Only.Not for Use with the Public.

5

*Bonus Ascent Pro productsonly, othervariationsavailable

INDEXED CurrentInterest

GuaranteedInterest

MinimumPremium

WithdrawalProvisions

SurrenderCharges

IssueAges

MVAY=YesN=No

Commission StatesNotAvailable

BonusGold

10%PremiumBonusonall1styearpremiums

MinimumGuaranteedInterest:

Currently1.75%

MGIRissetatissueandguaranteedforthelifeofthe

contract.

80%of1styearpremiumpluspremiumbonusplus87.5%

additionalpremium,lesswithdrawal

proceeds,atMGIR,compoundedannually.

Minimum:$5,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnually,StartingYr2.

SystematicW/D&RMDImmedi-atelyfromFixed

Value.3

16years(20,19.5,19,18.5,18,17.5,17,16,15,14,12,10,8,6,4,

2,0%)

DE-17year

18-80QandNQ

FLONLY18-64Q&

NQ

N

7.00%Ages18-75

5.00%ages76-80

Florida7.00%

Ages18-64

AK,CA,CT,DE,MN,MT,NV,NY,OH,OK,OR,PA,SC,TX,UT,WA,NJ

RetirementGold

8%PremiumBonusonall1styearpremiums

IN(8%ages18-73,5%ages74-78)

MinimumGuaranteedInterest:

Currently1.75%

MGIRissetatissueandguaranteedforthelifeofthe

contract.

87.5%ofpremiumspaidlesswithdrawalproceeds,atMGIR,

compoundedannually

Minimum:$5,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnually,StartingYr2.Systematic

WithdrawalofinterestonlyfromtheFixedValue,availableafter30

days

10years

(12.5,12,12,11,10,9,8,7,6,4,0%)

8%bonusfullyvestedafteryear14

18-78QandNQ N

7.00%ages18-78

IN(7.00%ages

18-75)

FL(7.00%ages

18-64)

AK,CA,CT,DE,FL,MN,NJ,NV,NY,OH,OK,OR,

PA,SC,TX,UT,WA

AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY(AEI)

(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

NEW

NEW

6

Cap PR AssetFee PT

S&P500®AnnualMonthlyAvgw/PR - 35% - -

S&P500AnnualMonthlyAvgw/Cap 2.25% - 0% -

S&P500AnnualPttoPtw/PR - 20% - -

S&P500AnnualPttoPtw/Cap 2.25% - 0% -

DowAnnualMonthlyAvgw/Cap 2.25% - 0% -

DowAnnualPttoPtw/Cap 2.25% - 0% -

S&P500MonthlyPttoPtw/Cap 1.20% - - -

10Yr.U.S.TreasuryBondw/Cap 2.50% - 0% -

S&P500PerformanceTrigger - - - 1.50%

BondYieldw/Cap 5.15% - 2.00% -

VolatilityControlIndex - - 4.00% -

CurrentFixedValueRate1.30%

Cap PR AssetFee PT

S&P500®AnnualMonthlyAvgw/PR - 30% - -

S&P500AnnualMonthlyAvgw/Cap 2.00% - - -

S&P500AnnualPttoPtw/PR - 17% - -

S&P500AnnualPttoPtw/Cap 2.00% - - -

S&P500MonthlyPttoPtw/Cap 1.10% - 0% -

S&P500PerformanceTrigger - - - 1.50%

BondYieldw/Cap 4.65% - 2.00% -

VolatilityControlIndex - - 4.50% -


RatesEffectiveasof12-10-2019


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


ChoiceSeries

6year,8year,and10yearoptions

(OptionalMVARiderAvailable) Minimum

GuaranteedInterest:

Currently1.75%

MinimumGuaranteed

SurrenderValue:90%ofpremiums

paid,lesswithdrawal

proceeds,atMGIR,compoundedannually

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnually,StartingYr2.

SystematicW/D&RMDImmedi-atelyfromFixed

Value.3

9.20,8.00,7.00,5.50,4.00,2.50,0%

(6yrs.)

9.20,8.25,7.25,6.50,5.50,4.50,3.50,2.50,0%(8

yrs.)

9.20,8.25,7.25,6.50,5.50,4.50,3.50,2.50,1.50,0.50,0%(10yrs.)

Choice618-85

Choice818-85

Choice1018-80QandNQ

N

6year4.00%Ages

18-75

8year5.00%Ages18-75

10year6.00%ages18-75

10YearCA,NY

7,8YearNY

AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY(AEI)


7

Choice6 Cap PR Spread

S&P500AnnualPttoPtw/PR - 32% -

S&P500AnnualPttoPtw/Cap 2.75% - -

S&P500MonthlyPttoPtw/Cap 1.40% - -

VolatilityControlIndex - - 3.25%
















GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available

AGPowerProtector-5Annuity

>$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

PenaltyFreeWithdrawalAfterthefirstcontractyear,10%ofthepreviouscontractanniversarycontractvalue(whichincludesanyinterestcreditedonthatdate).Note:Penalty-freewithdrawalsarenotpermittedduringthefirstcontract

year,unlessitisawithdrawaloftheRMD(somestatesrequirethatthe10%penalty-freewithdrawalbeavailableinthefirstcontractyear).

TheMinimumWithdrawalValueisequalto:87.5%ofpremiums(90%inNewJersey)lessanywithdrawals(excludinganywithdrawalchargesoranyapplicableMVAassociatedwiththosewithdrawals)(excludinganywithdrawalchargesor

anyapplicableMVAassociatedwiththosewithdrawals)(excludinganywithdrawalchargesoranyapplicableMVAassociatedwiththosewithdrawals)accumulatedataratespecifiedinthecontract.Note1.)1.00%,asof7/1/192.)Fornon-MVA

states,“anyapplicableMVA”wouldnotapply

MarketValueAdjustmentAppliestoanywithdrawalsubjecttoawithdrawalchargeandannuitizationthatoccursduringthewithdrawalchargeperiod.TheMVAisap-pliedtoamountswithdrawnandisnotappliedtoremainingcontractvalue.Note:MVAdoesnotapplyinthefollowingstates:AK,MN,MO,OR,PA,UTandWA.

5years(8,7,6,5,4)

18-85Q&NQ Y 0-80

3.25% NY

S&P500AnnualP-t-PCap 4.00% 3.25%

S&P500AnnualP-t-PPar. 26.00% 18.00%

S&P5005-YearP-t-PCap 23.00% 17.00%

Russell2000AnnualP-t-P 3.00% 2.50%

MSCIEAFEIndexAnnualP-t-P 3.25% 2.60%

PIMCOGlobalOptimaIndex1YearP-t-PPar. 35.00% 26.00%

MLStrategicBalancedIndexAnnualP-t-PPar. 60.00% 50.00%

1YearFixedAccount 1.40% 1.40%

AMERICANGENERALLIFECOMPANIES(AGLC) RatesEffectiveasof3-16-2020


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available


No Living Benefit Rider >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcontractvaluewithoutincurringanywithdrawalchargesorMVA.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwnerAcknowledgmentandDisclosureStatementformoreinfo.NoGuaranteedLiving

BenefitRiderisavailable.

7years(8,7,6,5,4,3,2)

0-85Q&NQ Y

4.00%-(0-80)2.00%-(81-

85)NY

S&P500AnnualP-t-P 4.10% 3.35%





AGPowerProtector-7PlusAnnuity

W/Lifetime Income Plus >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcontractvaluewithoutincurringanywithdrawalchargesorMVA.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwnerAcknowledgmentandDisclosureStatementformoreinfo.GuaranteedLiving

BenefitRiderisavailable.

7years(8,7,6,5,4,3,2)

0-80Q&NQ Y 4.00%-(50-

80) NY

S&P500AnnualP-t-P 2.50% 2.00%






No Living Benefit Rider >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcontractvaluewithoutincurringanywithdrawalchargesorMVA.Easyaccesstoyourmoneyintimesofneedorillness:ThewithdrawalchargeandMVAmaybewaivedifyou:Arediagnosedwithaterminalillness,Haveextendedcareneeds,

Areconfinedtoanursinghomeoranassistedlivingfacility.Restrictionsandlimita-tionsapply.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwnerAcknowledgmentandDisclosureStatementformoreinfo.

NoGuaranteedLivingBeneitRiderisavailable.

10years(10,9,8,7,6,5,4,3,2,1)

0-75Q&NQ Y 7.00%-(0-70) NY

S&P500AnnualP-t-P 4.20% 3.40%





AGPowerProtector-10PlusAnnuity

1.00%on87.5%

ofpremium

$25,000Q&NQ

Death Benefit: Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges and MVA or the Minimum withdrawal value. Free Withdrawals: After the first

contract year, clients may withdraw up to 10% of the annuity value (based on the previous contract anniversary) without withdrawal charges or MVA. No Free Withdrawals are allowed in the first

contract year (unless required by state law or taken under Lifetime Income Plus or as Required Minimum Distributions). If Lifetime Income Plus is elected, clients may take out up to the maximum annual withdrawal amount (MAWA) without any company-imposed charges. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if it is a Free Withdrawal. Terminal Illness, Extended Care and Activities of Daily Living Riders: The withdrawal charge and MVA may be waived if the contract owner: Is diagnosed with a terminal illness, has extended care needs or

requires assistance with activities of daily living.These riders are no available in all states. Required Minimum Distributions (RMDs): If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimum amount of retirement income must be paid each

year beginning in the year the owner turns to age 70 1/2. These payments are known as RMDs. Withdrawal charges and MVA will not apply to RMDs attributable to a Power Index Plus contract at any time after issue, including the first contract year. RMD amounts do count against the 10% Free Withdrawal amount, thereby reducing or possibly eliminating the ability to take other Free Withdraw-als within a contract year. Failure to satisfy the RMD requirements may result in a tax penalty. Clients should consult their tax advisor for more information. Annuitization Choices: Clients can choose from

five options, AKA Income plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivor annuity with 10- or 20-year period certain; 40 Life annuity with 10- or 20-year period certain; and 5) Income for a specified period (5-30 years). Cash Surrender Value: Equals the greater of the

Minimum Withdrawal Value or the contract value adjusted for any MVA, optional living benefit fee and withdrawal charge. Lifetime Income Plus is an optional guaranteed living benefit rider. The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation of the

contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Income Base is initially equal to the first eligible premium; it is increased with each

additional eligible premium.

10years(10,9,8,7,6,5,4,3,2,1)

0-75Q&NQ Y 7.00%-(0-70) NY

W/Lifetime Income Plus >$100K <$100K

S&P500AnnualP-t-P 2.60% 2.00%





AMERICANGENERALLIFECOMPANIES(AGLC)


NEW

8



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

Comm StatesNotAvailable

PerformanceElite7

PLUSpremiumBonus(Moststates):6.00%

AthenePerformanceElite 7 7Plus

1.00%on87.5%ofpremium

Minimum:$10,000,($25,000in

TX)

Maxiumum:$1,000,000

10%freewithdrawalsstartinginyear1.

ElitePLUS=growth+liquidity:Enhancedpremiumbonus,upto10%freewithdrawals,availableimmedi-

ately!Upto20%freeifnowithdrawalsaretakenintheprioryear.ReturnofPremiumBenefitavailableafterthefourthcontractyear.0.95%chargesfromaccumulatedvalueduringrider

chargeperiod.

TerminalIllnessWaiverConfinementWaiverareincluded.

DeathBenefit:Greatestof(i)Accumu-latedValuewithnosurrendercharges,(ii)theMinimumGuaranteedContractValueor(iii)theReturnofPremium

Benefit(ifapplicable).

7Years9%(year1)8.8%(year2)7.9%(year3)6.9%(year4)5.9%(year5)5%(year6)4%(year7)

0-83 Y

5.00%ages0-75

3.50%ages76-80

NY

AnnualRiderChargeRate - 0.95%

1-yearNoCapPTPBNPParibas(PartRate) 70%


1-yearNoCapPTPNasdaqFC(PartRate) 60%


1-yearNoCapPTPAlPoweredUSEquity(PartRate) 70%


1-yearS&P500DailyRiskControl2.8%(PartRate) 35%

2-yearS&P500DailyRiskControl2.8%(AnnualSpread) 4.50%

1-yearPTP-S&P500(Cap) 4.00%

1-yearMonthly-S&P500(Cap) 1.35%

FixedAccountwith1-YearGuarantee 1.50%

WithdrawalChangeDuration 7Years

PerformanceElite10PremiumBonus:4.00%(MostStates)

PLUSpremiumBonus:10.00%(MostStates)

CA-7.00%



Singlepremiumonly

Minimum:$10,000,($5,000inCT,MN,NJ,OR,PA,TX,

WA)

Maxiumum:$1,000,000




chargeperiod.

TerminalIllnessWaiver(notinCA),ConfinementWaiver(notinCAorMA)

areincluded.



10Years(12,12,12,11,10,9,8,7,6,4)

0-78moststates

Callforotherstates

Y

(N/AinMD,MN,MO,PA,WA)

6.50%ages0-75

5.00%ages76-78

MD,MN,MT,NY,NJ,OR,PA,WA














PerformanceElite15PremiumBonus:9.00%

PLUSpremiumBonus:15.00%

IN-14.00%OH-9.00%



$10,000

Singlepremiumonly




chargeperiod.

TerminalIllnessWaiver(notinCA),ConfinementWaiver(notinCAorMA)

areincluded.



15Years(15,15,14,14,13,13,12,11,10,9,8,7,6,5,4)

0-73Moststates

Callforotherstates

Y

(N/AinMD,MN,MO,PA,WA)

6.50%ages0-73

CA,CT,MN,MT,NJ,NY,

OR,PA,UT,WA














ATHENEANNUITY&LIFEASSURANCECOMPANY(ALA)

(For Agent Use Only) Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.

9



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


AtheneAgility 2-yearNoCapPTPBNP(PartRate) 85%

Ifattheendofyourwithdrawalchargeperiod,thetotalinter-estcreditedtoyourAccumu-latedValueislessthantheMinimumInterestCredit,youwillautomaticallyreceiveaone-timeinterestcreditequaltothedifference.TheMinimumInterestCreditisbaseduponapercentageofyourInitial

Premiumlesswithdrawalsandcharges.

Minimum$10,000

($25,000inTX)

Maximum$1,000,000

Maximumof10%ofAccumulatedValueor10%ofInitialPremiumperyear,Withdrawalsmaybesubjecttofederalandstateincometaxandexceptundercertaincircumstances,willbesubjecttoanIRSpenaltyif

takenpriortoage591/2.

Youcanwithdrawupto100%ofyourannuity’sAccumulatedValueiftheAnnuitantisdiagnosedwithaTerminalIllnessthatisexpectedtoresultindeathwithinone-yearandyoumeettheeligibilityrequirements.ThiswaiverisavailableafteryourfirstContractAnniversary.Youmaynotbediagnosedduringthefirst

Contractyear.Additionallimitationsstatevariationsandexclusionsmayapply.PleaseseetheCertificateofDisclosureformoreinformation.

10Years(9,9,8,7,6,5,4,3,

2,1)

CA(9,8.2,7,5.9,4.8,3.6,2.5,1.3,1)

40-80 Yes0-70:6.00%71-75:5.50%76-80:5.00%

NY

1-yearNoCapPTPBNP(PartRate) 60%





S&P500BailoutCapRate 0.50%




AtheneAscentPro10 2-yearNoCapPTP-BNP(ParRate) 105%



Singlepremiumonly

Minimum:$10,000,($5,000inAK,CT,HI,MN,NJ,

OR,PA,TX,UT,WA)

Maxiumum:$1,000,000

10%freewithdrawalsperyear

Bailoutfeature!

TerminalIllnessWaiver(notinCA)

ConfinementWaiver(NotinCAorMA)

10Years(9,9,8,7,6,5,4,3,2,1) 35-80

Yes

(NoMVAinAK,HI,MN,MO,NJ,OR,PA,UT,WA)

6.00% NY

1-yearNoCapPTP-BNP(ParRate) 70%






1-yearNoCapPTPS&P(VolControl)(Par) 45%

BailoutCapRate 1.00%


AscentPro10BonusPremiumBonus:3%(askaboutvestingschedule)



$10,000

$5,000-AK,CT,HI,MN,NJ,

OR,PA,TX,UT,WA

10%ofAccumulatedValueperyear.Withdrawalsmaybesubjecttofederalandstateincometaxand,exceptundercertaincircumstances,willbesubjecttoanIRSpenaltyiftakenprior

toage591/2

TerminalIllnessWaiver-Youcanwithdrawupto100%ofyourannuity’sAccumulatedValueiftheAnnuitantisdiagnosedwithaTerminalIllnessthatisexpectedtoresultindeathwithinoneyearandyoumeettheeligibilityrequirements.ThiswaiverisavailableafteryourfirstContractAnniversary.YoumaynotbediagnosedduringthefirstContractYear.Additionallimita-tions,statevariationsandexclusionsmayapply.PleaseseetheCertificateofDisclosureformoreinformation.

10Years12,12,12,11,10,

9,8,7,6,4(AL,AR,AZ,CO,DC,FL(ages

35-64).GA,IA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MO,MS,MT,NC,ND,NE,NH,NM,RI,SD,TN,VA,VT,WI,WV,WY)

10Years8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,

1.6,0.9(AK,CT,DE,HI,MN,NJ,NV,OH,OK,OR,PA,SC,TX,UT,WA)

10Years10,10,10,9,8,7,

6,5,4(FL)

65-80

Yes

(NoMVAinMO)

6.50% NY








1-yearNoCapPTPS&P(VolControl)(Par) 30%

BailoutCapRate 1.00%


ATHENEANNUITY&LIFEASSURANCECOMPANY(ALA)


10



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


RetirementPlusMultiplierAnnuity5

IndexCreditingStrategy NoRider Growth

RiderIncomeMultiplier

1.00% $5,000Q-NQ

• RMDsareavailablePenaltyFreeinallyears

• Upto5%oftheAccumulationValueisavailablePenaltyFreeafterthefirstcontractyear

• AmaximumoftwowithdrawalsareallowedeachContractYear

• Minimumwithdrawalamountof$250;Minimumaccountvalueafterwithdrawalis$2,500

10,9,8,7,6 0-85 Yes0-75:6.15%76-80:4.90%81+:2.65%

AK,CA,CT,DE,ID,KS,ME,MI,MN,MT,NH,NJ,NY,ND,WI

GoldmanSachsMotifAgingofAmericaDynamic

BalanceIndex

1-yearwithpoint-to-pointparticipationrate

75% 125% 75%


140% 200% 140%

S&P500


40% 55% 40%

1-yearwithpoint-to-pointcaprate 5.0% 7.5% 5.0%




1.00% $5,000Q-NQ





10,9,8,7,6,5,4 0-85 Yes0-75:6.65%76-80:5.40%81+:3.15%



BalanceIndex


75% 125% 75%


140% 200% 140%

S&P500


40% 55% 40%





1.00% $5,000Q-NQ





10,9,8,7,6,5,4,3,2,1 0-85 Yes

0-75:7.15%76-80:5.90%81+:4.90%



BalanceIndex


75% 125% 75%


140% 200% 140%

S&P500


40% 55% 40%


ATLANTICCOASTLIFEINSURANCECOMPANY(ACL) RatesEffectiveasof3-1-2020

NEW

NEW

NEW

11

12

NEW!REFRESHED Design.RECHARGED Accumulation.

North American

CharterSM PlusFixed Index Annuity4

10%PREMIUM

BONUS

1

• Upto10%premiumbonus!• Competitiveindexaccounts-includingvolatilitycontroloptionsandno

traditionalcap(subjecttoParticipationRateand/orIndexMargin)• 10-yearand14-yearsurrenderchargeperiodsavailable3

• Illustrationcapabilities• NorthAmericanisratedA+(Superior)byA.M.Best.A+isthe2ndof15

categories.

FEATURES

FORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATONPURPOSES.1.Premiumbonusmayvarybasedonpremiumbandandsurrenderchargeperiodselected.Productsthathavepremiumbonusesmayofferlowercreditedinterestrates,lowerIndexCapRates,lowerParticipationRatesand/orgreaterIndexMarginsthanproductsthatdon’tofferapremiumbonus.Overtimeandundercertainscenariostheamountofthepremiumbonusmaybeoffsetbythelowercreditedinterestrates,lowerIndexCapRates,lowerParticipationRatesand/orgreaterIndexMargins.3.Asurrenderduringthesurrenderchargeperiodcouldresultinalossofpremium.Surrenderchargestructuremayvarybystate.4.FixedIndexAnnuitiesarenotadirectinvestmentinthestockmarket.Theyarelongterminsuranceproductswithguaranteesbackedbytheissu-ingcompany.Theyprovidethepotentialforinteresttobecreditedbasedinpartontheperformanceofspecificindices,withouttheriskoflossofpremiumduetomarketdownturnsorfluctuation.AlthoughFixedIndexAnnuitiesguaranteenolossofpremiumduetomarketdownturns,deductionsfromyourAccumulationValueforadditionaloptionalbenefitriderscouldundercertainscenariosexceedinterestcreditedtoyourAccumulationValue,whichwouldresultinlossofpremium.Theymaynotbeappropriateforallclients.NCP102615

TREEBrokerage

888-591-1341CallToday!

www.oaktreeus.com

UptoF CUSEDA fixed indexed

annuity that’s

on income.

Athene Ascent ProAscent Pro’s built-in income rider offers two ways to grow the Income Base:

Option 1 — Guaranteed GrowthPredictable growth with a strong Guaranteed Simple Interest Rate.Option 2 — Stacked RollupCombines a lower Guaranteed Simple Interest Rate with the potential for Interest Credits. The Income Base will also increase by 200% of any Interest Credits that are added to the annuity’s Accumulated Value.2

The Ascent Pro annuity also offers these valuable features.Free Withdrawals — Beginning in the first Contract Year, you can withdraw up to 10% of your annuity’s Accumulated Value each Contract Year without a Withdrawal Charge or Market Value Adjustment (MVA).3

Bailout Feature — If Athene lowers a Cap Rate below a Bailout Cap Rate, the feature gives full access to the Accumulated Value for up to 30 days - free of any charges - so clients can feel confident about their money.

Terminal Illness and Confinement Waivers.4

1 A charge is deducted for the rider.2 During Accumulation, any Interest Credits applied to the Accumulated Value are applied to the Income Base at a Participation Rate of 200%. Please see Certificate of Disclosure and other documents for additional detail on this provision.3 Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS pen-alty if taken prior to age 59½. Withdrawals are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge, MVA and any Premium Bonus Vesting Adjustment which may result in the loss of principal.4 Not available in all states. Additional limitations, variations, and exclusions may apply. Please see Certificate of Disclosure for more information on these features. Confinement Waiver is not available in MA.ATHENE ASCENT PRO IS A PRODUCT OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERN-MENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. Athene Ascent Pro [GEN (09/15) NB, ICC15 GEN (09/15) NB, GEN (07/16) NB] and Athene Ascent Income Rider [IR1 (09/15), ICC15 IR1 (09/15), IR1 (07/16), IR2 (09/15), ICC15 IR2 (09/15), IR2 (07/16)] or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Product not available in all states. Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. For financial professional use only. Not to be used with the offer or sale of annuities. The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity.

TREEBrokerage

888-591-1341Call Today!

www.oaktreeus.com


GuaranteedInterest

MinimumPremium

WithdrawalProvisions SurrenderCharges Issue

Ages

MVAY=YesN=No

CommStatesNot

Available

Teton7

1.00%

$10,000NQ-QMax:

$1,000,000(Largeramountswillbe

consideredwithHomeOffice

approval)

Inthe1stPolicyYear,RequiredMinimumDistributions(RMD)canbewithdrawn.Afterthe1stPolicyYear,upto5%oftheAccountValueorRMDcanbewithdrawn.Onenon-systemat-icfreewithdrawalallowedperyear.

Ifnowithdrawalsaretakeninagivenyear,fullyunusedfreewithdrawalscanbecarriedovertothenextpolicyyear.Themaximumcumulativefreewithdrawalamountis30%ofyouraccountvalue(asofthemostrecentpolicyanniversay).

Upto100%oftheAccountValuecanbewithdrawniftheOwnerisdiagnosedwithaTerminalIllnessthatresultsintheOwnerhavingalifeexpectancyof12monthsorlessandeli-gibilityrequirementsaremet.Availableafterthe1stPolicyYear.PleaseseetheCertificateofDisclosureformoreinformation.

-AL,AZ,AR,CO,DC,FL,GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(12,12,11,10,9,7,4)FL:65-90:(10,9,8,7,6,4,2)

-AK,MA,MO,NV,OH,OR,PA,SC,TX,UT,VT,WA

(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8)

CT-(12.5,12,11,10,9,8,7)

0-90 Y0-80:5.50%81-85:4.00%86-90:3.00%

CA,HI,ID,MT,NJ,NY,

VA

Teton10

1.00%

$10,000NQ-QMax:



approval)





(12,12,11,10,9,8,7,6,4,2)FL:65-90:(10,9,8,7,6,5,4,3,2,1)


(9.3,8.4,7.5,6.6,5.7,4.75)(SC-4.8),3.8,2.85(SC-2.9),1.9,.9)

CT-(12.5,12,11,10,9,8,7,6,4,2)

0-85 Y0-75:7.25%76-80:6.00%81-85:4.50%

CA,HI,ID,MT,NJ,NY,

VA

Teton14

1.00%

$10,000NQ-QMax:



approval)




-AL,AZ,AR,CO,DC,FL(0-65),GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(14.75,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

CT-(14.25,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

0-80 Y 0-75:9.00%76-80:7.00%

AK,CA,DE,HI,ID,MA,MO,MT,NV,NJ,NY,OH,PA,

RI,SC,TX,UT,VA,WA

EQUITABLELIFE&CASUALITYINSURANCECOMPANY(ELC)

13


7YearSurrenderChargeFixed Rate 2.50% 2.75%Annual P-t-P with Cap 5.00% 5.25%Annual P-t-P with Participation Rate 45.00% 48.00%

Monthly Cap 2.00% 2.10%Monthly Average with Cap 6.50% 7.25%Monthly Average withParticipation Rate 80.00% 85.00%

Monthly Average with Spread 1.00% 0.75%Barclays Atlas 5 AP2P PR 105.00% 115.00%Barclays Atlas 5 AP2P Spread N/A N/ABarclays Atlas 5 Boost 0.25% 0.75%

AK, DE, MA,MO, NV, OH, OR, PA, SC,

TX, UT, WA

AL, AR, AZ, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD, TN, VT, WV, WI, WY

10YearSurrenderChargeFixed Rate 2.75% 3.00%Annual P-t-P with Cap 5.25% 6.00%Annual P-t-P with Participa-tion Rate 48.00% 55.00%


Monthly Average with Spread 0.75% 0.25%Barclays Atlas 5 AP2P PR 115.00% 125.00%Barclays Atlas 5 AP2P Spread N/A N/ABarclays Atlas 5 Boost 0.75% 1.25%

AK, DE, MA,MO, NV, OH, OR, PA, SC,

TX, UT, WA

AL, AR, AZ, CO, CT,DC, FL, GA, IA, IL,IN, KS, KY, LA, MD,ME, MI, MS, NC, NE,NH, NM, ND, OK, RI,SD, TN, VT, WV, WI,WY

14YearSurrenderChargeFixed Rate 3.25%Annual P-t-P with Cap 6.75%Annual P-t-P with Participation Rate 60.00%Monthly Cap 2.75%Monthly Average with Cap 15.00%Monthly Average withParticipation Rate 100.00%

Monthly Average with Spread 0.00%Barclays Atlas 5 AP2P PR 145.00%Barclays Atlas 5 AP2P Spread N/ABarclays Atlas 5 Boost 1.75%

AL, AR, AZ, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI,SD, TN, VT, WV, WI, WY

NEW

NEW

NEW



GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

CommStatesNot

Available

TetonBonus7

5.00%PremiumBonus!

1.00%

$10,000NQ-QMax:



approval)





(12,12,11,10,9,7,4)FL:65-90:(10,9,8,7,6,4,2)


(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8)

0-90 Y0-80:5.50%81-85:4.00%86-90:3.00%

CA,HI,ID,MT,NJ,NY,

VA

TetonBonus10

7.00%PremiumBonus!

(FL–5.00%) 1.00%

$10,000NQ-QMax:



approval)





(12,12,11,10,9,8,7,6,4,2)FL:65-90:(10,9,8,7,6,5,4,3,2,1)


(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8,2.85(SC-2.9),1.9,.9)

0-85 Y0-75:7.25%76-80:6.00%81-85:4.50%

CA,HI,ID,MT,NJ,NY,

VA

TetonBonus14

10.00%PremiumBonus!

1.00%

$10,000NQ-QMax:



approval)




-AL,AZ,AR,CO,DC,FL(0-65),GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(14.75,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

0-80 Y 0-75:9.00%76-80:7.00%

AK,CA,DE,HI,ID,MA,MO,MT,NV,NJ,NY,OH,PA,

RI,SC,TX,UT,VA,WA

EQUITABLELIFE&CASUALITYINSURANCECOMPANY(ELC)

14


7YearSurrenderChargeFixed Rate 1.75% 2.00%Annual P-t-P with Cap 3.50% 3.75%Annual P-t-P with Participation Rate 35.00% 37.00%


Monthly Average with Spread 2.50% 2.00%Barclays Atlas 5 AP2P PR 80.00% 85.00%Barclays Atlas 5 AP2P Spread 1.25% 0.75%Barclays Atlas 5 Boost N/A N/A

AK, CT, DE,MA, MO, NV, OH, OR, PA,

SC, TX, UT,WA

AL, AR, AZ, CO, DC,FL, GA, IA, IL, IN, KS,KY, LA, MD, ME, MI,MS, NC, NE, NH,NM, ND, OK, RI, SD,TN, VT, WV, WI, WY

10YearSurrenderChargeFixed Rate 2.00% 2.25%Annual P-t-P with Cap 3.75% 4.50%Annual P-t-P with Participa-tion Rate 37.00% 42.00%


Monthly Average with Spread 2.00% 1.50%Barclays Atlas 5 AP2P PR 85.00% 95.00%Barclays Atlas 5 AP2P Spread 0.75% 0.50%Barclays Atlas 5 Boost N/A N/A

AK, CT, DE, MA, MO, NV, OH,

OR, PA, SC,TX, UT, WA

AL, AR, AZ, CO, DC,FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD,TN, VT, WV, WI, WY

14YearSurrenderChargeFixed Rate 2.50%Annual P-t-P with Cap 5.00%Annual P-t-P with Participation Rate 46.00%Monthly Cap 2.00%Monthly Average with Cap 6.25%Monthly Average withParticipation Rate 80.00%

Monthly Average with Spread 1.00%Barclays Atlas 5 AP2P PR 105.00%Barclays Atlas 5 AP2P Spread N/ABarclays Atlas 5 Boost 0.25%

AL, AR, AZ, CO, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD, TN, VT, WV, WI, WY

NEW

NEW

NEW



GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

CommStatesNot

Available

MarketTenBonusIndex(6.00%PremiumBonusonpremiumspaidinyears1-5)

IncomeRider(IBR)Info>

1.00%on100%ofpremium

Minimum$10,000NQ

$5,000Q

$2,000AdditionalMaximum$1Million

Premium Allocation: Initial Premiim: Min Allocation of 2K in each acct. Can select any combo of accts sub to the min requirements. Indicate initial allocation above the Owner’s signature section of the Disclosure Form. The initial premium allocation must be completed to issue the contract.

ReturnofPremiumGuarantee.Thisriderisautoincludedonallcontractsatnocharge,subjecttostateavailability.

Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr inter-est acct w/o Surr Charge or MVA. Interest withdrawals must be taken via EFT. After 1st contract yr, up to 10% of the accum value on the previous contract ann may be withdrawn each contract

yr w/o Surr Charge or MVA, either systematically or as a single withdrawal.

10years(10,10,10,1010,9,8,7,6,4)

(DE-10years:(9,8,7,6.5,5.5,4.5,3.5,2.5,1.5,0.5%)

(9Years:CAOnly:8.3,7.4,6.5,5.6,4.7,3.8,2.9,1.9,0.9)

0-80Q&NQ

Y

(CA:No)

6.00%year13.00%

years2-5onadditionalpremium

NY

MarketValueIndex



$10,000Q-NQ$2,000Renewal

10%freewithfrawalsafteryear1.Nursinghomewavier.Monthlyinterestoption.DeathBenefitequalsfullaccumulationvalue.Canannuitizeafteryr5for

minimum5yearorlonger.

10years(12,12,12,12,11,10,8,6,4,2)

(AK,CT,MN,UT,WA&OH)9,8,7,6.5,5.5,4.5,3.5,2.5,

1.5,.5)

(TX9,8,7,6.5,5.5,4.5,3.5,

2.5,1.5,.5)

0-80Q&NQ (CA:No)

7.00%year13.25%

years2-5onadditionalpremium

NY

MarcSevenIndexAnnuity



$10,000Q&NQ

Bycurrentcompanypractice,systematicwithdrawalsofinterestareallowedinthefirstyearfromthe1-YearInterestAccountwithoutcharges.

Afterthefirstcontractyear,upto10%oftheAccumulationValueonthepreviouscontractanniversarymaybewithdrawneachcontractyearwithoutSurrenderChargeorMVA,eithersystematicallyorasasinglewithdrawal.

Singlewithdrawalscanberequestedatanytime,butmustbeatleast$250perrequest.Systematicwithdrawalsareavailablemonthly,quarterly,semiannually

orannually,andmustbetakenEFT.

UpondeathofOwner,AccumulationValue.

ChronicIllnessDoubler

7Years(9,8,7,6.5,5.5,4.5

3.5)

(CA:8.3,7.4,6.5,5.64.7,3.8,2.9)

40-85Q&NQ

(CA&DE:No)

Ages:40-75:5.50%76-80:4.125%81-85:2.75%

NY

MarketPowerBonusIndex(10.00%PremiumBonus-VestedDay-1)



Minimum$10,000NQ/Q$2,000

Additional

Maximum$1Million

Bycurrentcompanypractice,systematicwithdrawalsofinterestareallowedinthefirstyearfromthe1-YearInterestAccountwithoutcharges.

Afterthefirstcontractyear,upto10%oftheAccumulationValueonthepreviouscontractanniversarymaybewithdrawaneachcontractyearwithoutSurrenderChargeorMVA,eithersystematicallyorasasinglewithdrawal.

Singlewithdrawalscanberequestedatanytime,butmustbeatleast$250perrequest.SystematicWithdrawalsareavailablemonthly,quarterly,semiannually

orannually,andmustbetakenbyEFT.

Anoptionalriderthatoffersguaranteedlifetimeincomebasedon6%accumulationforupto10years.Thisriderthatoffersguaranteedlifetime

incomebasedon6%accumulationforupto10years.Thisriderhasanannualcharge.LowercreditedratesmayapplyiftheincomeRideriselected.

14years(20,20,19,19,18,17,16,14,12,10,8,6,4,2,0)

10yearsinthefollowingstates:AK,CT,IL,MN,MT,NJ,NV,OH,OK,OR,PA,

TX,UT,VT,WA)(19,17,15,13,11,10,8,6

4,2)

0-75Q&NQ Y

8.00%year1

7.00%year1

(AK,CT,IL,MN,MT,NJ,NV,OH,OK,OR,PA,TX,UT,VT,WA)

CA,DE,NY,

EQUITRUSTLIFEINSURANCECOMPANY(ETL)

**Income for life not available in FL, IL, MN, NY, WA*Chargebacks - All commissions will be reversed under the following circumstances: Upon death of owner or surrender during months 1-6: 100% all products excluding Confidence Income. Upon death of owner or sur-render during months 7-15: 50% all products excluding Confidence Income. Any commission paid after the date of death will be reversed 100%*


MUSTCOMPLETEPRODUCT TRAININGBEFORE SUBMITTINGBUSINESS TO EQUITRUST

GREAT

HOT

15


W/O IBR W/ IBR1 Year Interest 1.05% 1.00%1 Year Point-to-Point Cap 2.00% 1.75%1 Year Monthly Avg Cap 2.50% 2.25%1 Year Monthly Avg Par 25.00% 20.00%1 Year Monthly Cap 1.10% 1.00%2 Year Monthly Avg Part 5.00% 4.00%

Premium, plus any applicable Premium Bonus, compounded at 6.50% annually for up to 10 years

Lifetime Income on the Benefit Base multiplied by the Income Withdrawal Percentage

May begin anytime after 1st contract year and age 50.

W/O IBR W/ IBR1 Year Interest 2.25% 2.10%1 Year Point-to-Point Cap 4.25% 4.00%1 Year Point-to-Point Part 31.00% 28.00%1 Year Monthly Avg Cap 4.50% 4.25%1 Year Monthly Avg Par 48.00% 40.00%1 Year Monthly Cap 1.70% 1.50%2 Year Monthly Avg Cap 12.00% 10.00%1 Year Pt-to-Pt Part (Dynamo) 70.00% 65.00%

Premium, plus 10% Benefit Base Bonus on first year premium, accumulated at 4.00% plus credited rate for up to 10 years



W/O IBR W/ IBR1 Year Interest 2.15% 2.00%1 Year Point-to-Point Cap 4.00% 3.75%1 Year Point-to-Point Part 30.00% 28.00%1 Year Monthly Avg Cap 4.50% 4.25%1 Year Monthly Avg Par 50.00% 45.00%1 Year Monthly Cap 1.50% 1.40%2 Year Monthly Avg Cap 10.00% 9.00%1 Year Pt-to-Pt Part (Dynamo) 75.00% 70.00%

Premium, plus 7% Benefit Base Bonus on first year premium,compounded at 7.00% annually for 7 years



W/O IBR W/ IBR1 Year Interest 1.11% 1.00%1 Year Point-to-Point Cap 2.25% 2.00%1 Year Monthly Avg Cap 2.75% 2.50%1 Year Monthly Avg Par 30.00% 25.00%1 Year Monthly Cap 1.10% 1.00%2 Year Monthly Avg Part 6.00% 5.00%

Premium, plus any applicable Premium Bonus, compounded at 6.00% annually for up to 10 years




GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available

ChoiceAccumulationII

1.00%to87.5%ofPremium

Minimum$25,000

Maximum$1,000,000

Up to 10% of the beginning-of-year contract value may be withdrawn annually without incurring a withdrawal

charge. Withdrawal charges apply to amounts withdrawn in excess of the free withdrawal amount during the

withdrawal charge period.

A Market Value Adjustment refers to the potential fluctua-tion of the surrender value of the annuity in response to market conditions. Applies during the withdrawal

charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization

during the withdrawal charge period when a withdrawal charge would also apply.

Optional enhanced death benefit will be available at an annual cost of 0.50%, assessed at the end of the contract

year, based off the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of

7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit.

A minimum issue age of 0 and a maximum age of 75 will apply.

5Years(9,8,7,6,5)

7Years(9,8,7,6,5,4,3)

10Years(9,9,8,7,6,5,4,3,2,1)

0-85 Y

5Yr0-80:4.00%81-85:2.00%

7Yr0-80:5.00%81-85:2.75%

10Yr0-80:6.00%81-85:3.25%

NY

ChoiceIncomeII


Minimum$25,000

Maximum$1,000,000

A Market Value Adjustment refers to the potential fluctua-tion of the surrender value of the annuity in response to market conditions. Applies during the withdrawal

charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization

during the withdrawal charge period when a withdrawal charge would also apply.

GLWB included at issue. Must be at least age 55 to activate the benefit. Income is provided after activation

through annual guaranteed lifetime withdrawal amounts, known as Lifetime Annual Payments (LAP). The LAP

is determined as a percentage of the Withdrawal Base Amount. The withdrawal base amount is a separate value that grows annually based on one of two options chosen

at issue, described below. The Withdraw Base is not available as a death benefit or for cash value surrender.

The GMSV is equal to the Premium Payment less withdrawal proceeds. If GLWB income activation has not occurred, the GMSV is used for determining the following after the withdrawal charge period when greater than the

contract value.

7Years(9,8,7,6,5,4,3)

10Years(9,9,8,7,6,5,4,3,2,1)

45-85 N

7Yr0-80:5.00%81-85:2.75%

10Yr0-80:7.00%81-85:5.00%

NY

Income150+SE


Minimum$10,000

Maximum$1,000,000

The free withdrawal amount is the greater of:• 10% of beginning of year contract value• Any Required Minimum Distribution (RMD)

imposed by the IRS on this contract

Withdrawals taken prior to beginning income benefits and those greater than the GLWB amount will reduce the Withdrawal Base and Lifetime Annual Payment amount. The reduction with be proportionate to the resulting reduction in the contract value, which may reduce the Withdrawal Base by more than the amount withdrawn.

Designed with a Guaranteed Lifetime Withdrawal Benefit (GLWB) which provides income through guaranteed Lifetime Annual Payments (LAP) that clients cannot outlive (assuming no excess withdrawals).

10Years(10,9,8,7,6,5,4,3,2,1)

55-80 N 55-75:7.00%76-85:5.00% NY

GLOBALATLANTICFINANCIALGROUP(FTA)

Premium Amount 5 Yr 7 Yr 10 Yr

MSCI EAFE One-Year P-t-P with Cap >$100K 3.00% 3.40% 3.50%<$100K 2.50% 3.00% 3.10%

MSCI EAFE One-Year P-t-P Bailout Rate >$100K 2.00% 2.00% 2.00%<$100K 2.00% 2.00% 2.00%

Russell 2000 One-Year P-t-P with Cap >$100K 3.00% 3.40% 3.50%<$100K 2.50% 3.00% 3.10%

Russell 2000 One-Year P-t-P with Cap Bailout Rate >$100K 2.00% 2.00% 2.00%<$100K 2.00% 2.00% 2.00%

S&P 500 One-Year P-t-P with Cap >$100K 3.00% 3.40% 3.50%<$100K 2.50% 3.00% 3.10%

S&P 500 One-Year P-t-P with Monthly Cap >$100K 1.10% 1.30% 1.40%<$100K 1.00% 1.15% 1.25%

PIMCO Balance Index One-Year P-t-P with Participation Rate >$100K 60% 70% 75%<$100K 55% 65% 70%

S&P 500 One-Year P-t-P with Performance Trigger >$100K 2.35% 2.65% 2.75%<$100K 2.00% 2.15% 2.25%

BlackRock Diversa Volatility Control Two Year P-t-P with Spread >$100K 6.30% 5.25% 5.00%<$100K 7.00% 6.00% 5.75%

Franklin US Index Two Year P-t-P with Spread >$100K 6.30% 5.25% 5.00%<$100K 7.00% 6.00% 5.75%

Fixed Rate >$100K 1.40% 1.70% 1.80%<$100K 1.20% 1.45% 1.55%

7 Yr 10 Yr 7 Yr 10 YrMSCI EAFE One-Year P-t-P with Cap 2.75% 3.00% 3.50% 3.75%MSCI EAFE One-Year P-t-P Bailout Rate 2.00% 2.00% 2.00% 2.00%Russell 2000 One-Year P-t-P with Cap 2.75% 3.00% 3.50% 3.75%S&P 500 One-Year P-t-P with Performance Trigger 2.00% 2.25% 2.75% 3.00%S&P 500 One-Year P-t-P with Monthly Cap 1.10% 1.20% 1.35% 1.45%PIMCO Balance Index One-Year P-t-P with Participation Rate 70% 75% 85% 90%

BlackRock Diversa Volatility Control Two Year P-t-P with Spread 4.00% 3.50% 2.00% 1.50%

Franklin US Index Two Year P-t-P with Spread 4.00% 3.50% 2.00% 1.50%Fixed Rate 1.50% 1.60% 1.90% 2.00%

Guaranteed IncomeBuilder Benefit

Withdrawal ChargeSchedule

Income Multiplier Benefit Withdrawal

ChargeSchedule

MSCI EAFE One-Year P-t-P with Cap 2.50% 2.25% 2.25%MSCI EAFE One-Year P-t-P Bailout Rate 2.00% 2.00% 2.00%S&P 500 One-Year P-t-P with Cap 2.50% 2.25% 2.25%S&P 500 One-Year P-t-P with Monthly Cap 1.10% 1.05% 1.05%PIMCO Balance Index One-Year P-t-P with Participation Rate 65% 55% 55%BlackRock Diversa Volatility Control Two Year P-t-P w/Spread 4.00% 6.00% 6.00%Franklin US Index Two Year P-t-P with Spread 4.00% 6.00% 6.00%Fixed Rate 1.50% 1.25% 1.25%

Ultra HighBand

$100k+

High Band$24,999-$99,999

Low Band$10,000-$24,999

(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

16



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available

AmericanNationalStrategyPlus-10(1.00%PremiumBonus)


NAICStates1.75%

NQ&Q$10,000

Free10%withdrawalafteryear1.Confinementwaiver:Surrenderchargesmaybewaivedwhenthecontractownerisconfinedtoalicensedhospital,licensedconvalescentcarefacility,skillednursingfacility,custodialcarefacility,orlicensedhospicefacilityfor60or

moredays.Thisspecialwaiverofsurrenderchargeisavailabletoyoubeginning90daysafterissue.Disabilitywaiver:Priortoage65,sur-renderchargesmaybewaivedwhenthecontractownerisphysicallydisabled,ordiagnosedwithadisablingterminalillness.Thisspecialwaiverofsurrenderchargeisavailabletoyouafterissue.TerminalIllnessWaiver:Surrenderchargesmaybewaivedwhenthecontractownerisdiagnosedwithaninjuryorillnessexpectedtoresultindeathwithin12months.Thisspecialwaiverofsurrenderchargesisavailabletoyouafterissue.DeathBenefit:Atthedeathoftheowner,thegreater

oftheAnnuityValueortheSurrenderValuewillbepaid.

10Years(9,9,8,7,6,5,4,3,2,1)

0-80Q&NQ

Y

(NoMVAinAK,FL,MO,WA)

7.00%Ages0-755.50%

Ages76-80

NY

AmericanNationalStrategyPlus-7(1.00%PremiumBonus) 7Years

(7,6,5,4,3,2,1)

Y

(NoMVAinFL,WA)

5.00%Ages0-754.00%

Ages76-80

NY


17

AMERICANNATIONALINSURANCECOMPANY(ANL)

10-Year 7-Year1-YrSpecifiedRate 3.50% 3.40%1-YrPoint-to-PointMethod:100% Participation Cap 4.50% 4.40%50%ParticipationCap 5.00% 4.90%Lifetime Income Rider Fixed Rate 7.20% 7.20%Rider Premium Charge 1.00% 1.00%LifetimeIncomeRider(Indexed Credit + Fixed Rate)Fixed Rate + Indexed Credit 4.20% + Indexed CreditAccumulation Period 10 Yr 10 YrRider Premium Charge 0.70% 0.70%DeclaredRate 2.00% 1.90%1-YrMonthlySum:Cap 1.90% 1.80%


GREATAMERICANLIFEINSURANCECOMPANY(GAA)INDEXED Current

InterestGuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available

AmericanLegendIIIAnnuity

Declaredrate-1.50%

1.00%

NQ&Q$10,000AdditionalDeposits$2,000Q&NQ

Duringthe1stcontractyr,youmaywithdrawupto10%ofthePurchasePayment.Afterthefirstcontractyear,youmaywithdrawannuallyupto10%ofannuity’sAccountValue(basedonpriorContractAnniversary),withoutincurringearlywithdrawalchanges.($500min;AccountValuemustexceed$5,000)FullAccountValueatDeath.**Seebelow!Extendedcarewaiverrider:Afterthefirstcontractyear,if

youareconfinedtoanursinghomeorlong-termcarefacilityforatleast90consecutivedays,earlywithdrawalchargeswillbewaivedonwithdrawalsuptoafullsurrender.Thereisnoadditionalchargeforthisrider.Terminalillnesswaiverrider:Afterthefirstcontractyear,ifyouarediagnosedbyaphysicanashavingaterminalillness(prognosisofsurvivalis12monthsorless,oralongerperiodasrequiredbystatelaw),youhavetheoptiontowithdrawupto100%ofthe

accountvaluewithoutincurringanearlywithdrawalcharge.Thereisnoadditionalchargeforthisrider.

7Years<ages58-85>

(9,8,7,6,5,4,3)

18-85-Q0-85-NQ N NY

S&P500RiskControlAnnualPointtoPointwithParticipationRate-40%

S&P5001YearAnnualPointtoPointwithCap-3.00%

S&PMonthlySumwithCap-1.25%

iSharesU.S.RealEstateAnnualPoint-to-PointwithCap-3.55%

GLDAnnualPoint-to-PointwithCap-4.00%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithPar.Rate-45%

AmericanSafeReturnAnnuity

DeclaredRate:1.20%

1.00%NQ&Q$25,000

Duringthe1stcontractyr,youmaywithdrawupto10%ofthePurchasePayment.Afterthefirstcontractyear,youmaywithdrawannuallyupto10%ofannuity’sAccountValue(basedonpriorContractAnniversary),withoutincurringearlywithdrawalchanges.($500min;AccountValuemustexceed$5,000)FullAccountValueatDeath.L-T-Crider&Terminalillnessrider.Annuitizationforaccountvalue-usedforincomepayoutperiodsof10yearsoflifeatanytime

during10-yrperiod.ESPprogram-Fixeddollar,lifedistribu-tions,RMDs,72(t)and72(t)and72(q)available.ReturnofPremiumguaranteeisavailableatnocharge.**Seebelow!

10Years(10,9,8,7,6,5,

4,3,2,1)18-85-Q0-85-NQ N NY

S&P500RiskControlAnnualPoint-to-PointwithPar.Rate

30%25%BailoutRate

iSharesU.S.RealEstateAnnualPoint-to-PointwithCap

3.00%3.00%BailoutCap

AmericanLandmark5

DeclaredRate:>$100,000:1.70%,<$100,000:1.60%

1.00%

Minimum$10,000

Maximum$1,000,000

Duringthe1stcontractyr,10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalcharge.After1stcontractann,10%ofacctvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutanearly

withdrawalcharge.

Amarketvalueadjustmentwillapplytowithdrawalsorsur-rendersduringthefive-yearterm.

5Years(9,8,7,6,5)

18-89-Q0-89-NQ

Y

(No MVA Available in AK, CA,

PA, UT and VA)

NY

S&P500RiskControlAnnualPointtoPointwithParticipationRate

>$100,000:45%,<$100,000:40%

S&PU.S.RetireeSpendingAnnualPointtoPointwithParticipationRate>$100,000:50%,<$100,000:45%

S&P500AnnualPointtoPointwithCap>$100,000:3.90%,<$100,000:3.65%

GREATAMERICANLIFEINSURANCECOMPANY(GAA)

Issue Ages CommissionYr Qual Non-Qual NT Mod3

118-75 0-75 4.75% 3.25%76-80 76-80 2.75% 2.10%81-85 81-85 2.75% 2.10%

Trail1 18-85 0-85

n/a

n/a2 18-85 0-85 1.50%3 18-85 0-85 1.00%4+ 18-85 0-85 n/a

Issue Ages CommissionYr Qual Non-Qual NT Mod 3

118-75 0-75 5.50% 4.75%76-80 76-80 4.10% 3.25%81-85 81-85 4.10% 3.25%

Trail1 18-85 0-85

n/a

n/a2 18-85 0-85 1.50%3 18-85 0-85 0.75%4+ 18-85 0-85 n/a

Issue Ages CommissionYr Qual Non-Qual NT 25 Trail

118-75 0-75 3.75% 2.75%76-85 76-85 2.75% 1.90%86-89 86-89 1.75% 1.25%

Trail1 18-89 0-89 n/a n/a2+ 18-89 0-89 .25%



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


AmericanCustom-10

DeclaredRate:>$150,000:1.10%,<$150,000:1.05%

S&P500RiskControlAnnualPoint-to-PointwithParticipationRate

>$150,000:40%,<$150,000:35%S&P500AnnualPoint-to-PointwithCap>$150,000:3.00%,<$150,000:2.50%GLDAnnualPoint-to-PointwithCap>$150,000:5.00%,<$150,000:4.75%

1.00%

NQ&Q$25,000

Max:1millionissueages

0-75

$750,000issueages76-80

$500,000Issueages

81+

Taxqualifications:NQandInheritedNQ.Q:403(b)TSA(traditionalandRoth),IRA(tradi-tional,Roth,SEP,SIMPLEandInherited),and457(b).Waiverriders:ExtendedCare-100%accountvaluewhencriteriamet.TerminalIllness-100%accountvaluewhencriteriamet.Optionalriders:Onlyoneridermaybeselectedandmustbeaddedatissue.Cumulative-

Free-WithdrawalOption-upto25%(20%carryoverplus5%annualfreewithdrawal)SimpleIncomeOption-10%rollupfor10years.StackedIncomeOption-5%rollupfor10yearsplus100%ofinterestcreditedtotheAVforthelifeofthecontract.Freewithdrawalallow-

ance:Duringfirstcontractyear,5%ofpurchasepayment.Afterfirstcontractanniversary,5%ofthesumoftheaccountvalueasofthemostrecentcontractanniversary.Annitizationforaccountvalue:greaterofaccountvalueorGMSVusedforallannuitizations.Afixedperiodoflessthan10yearsisavailableonlyasadeathbenefitsettlementoption.Loans:Available403(b),governmental457(b)Minimumloan:$1,000.DeathBenefit:GreateroftheaccountvalueorGMSV.CumulativeFreeWithdrawalOption:Thisriderallowsclientstocarryoveranyunusedportionoftheircontractsannualfreewithdrawalpercentage,uptoamaximumof25%.(20%maximumcarryoverplusthecontract’s5%annualfreewithdrawal)Riderissueages:18-85Q;0-85NQ.Thisisanoptionalriderthatmustbeaddedatissueandisavailableforachargethatiscurrently0.25%oftheAV.Thechargeisguaranteednottochangeafterissueandwillbetakenaswithdrawalsfromtheaccountvalueattheendofeachcontractyearduringthe10-yearearlywithdrawalchargeperiod.Notavailableinallstates.Simple

IncomeOption:Callusfordetails!StackedIncomeOption:Callusfordetails!ExtendedCareWaiver:Callfordetails!TerminalIllnesswaiver:Callfordetails!MinimumWithdrawals:$500;

Minimumaccountvaluefollowingwithdrawal:$5,000.

10Years(9.5,8.75,7.75,6.75,5.75,4.75,3.75,3,2,1)

18-85-Q

0-85-NQ

18-75InheritedIRA

0-75Inherited

NQ

Y

6.00%0-75NQ6.00%18-75Q

3.75%76-80Q&NQ3.75%81-85Q&NQ

NYNOMVA:AvailableinAK,CA,IN,MN,MO,OH,PA,TX,UT,VA

DeclaredRate:>$150,000:1.05%,<$150,000:1.00%




NEW

*Onlyoneridermaybeselectedandselectedridermustbeaddedattimeofcontractissue.

SimpleIncomeOptionSM

R6047014NWStackedIncomeOptionSM

R6046914NWCumulativeFree-WithdrawalOptionR6046814NW

Issueage 40-85 40-85 18-85Q;0-85NQ

Incomebasegrowth Rollupcredits Rollupcredits+100%ofaccountvalueinterest N/A

Rollupcredit 9% 5% N/A

Maximumrollupperiod 10years 10years N/A

CurrentRidercharge 0.95%ofincomebase,deductedfromaccountvalue.Subjecttochangeuponreset.

1.25%ofincomebase,deductedfromaccountvalue.Subjecttochangeatourdiscretion.

0.25%ofaccountvalue,deductedfromaccountvalue.Guar-anteednottochangeafterissue.Chargesendafter10years.Clientcannotcancelrider.

Resets Startingfirstcontractanniversary N/A–Incomebasewillneverbelessthantheaccountvalue.

N/A

Increasingincomepercentages 0.09%eachyearclientswaittostartincomepayments SameasSimpleIncomeOption N/A

Enhancedincomepercentage Availableduringfirstfivecontractyears N/A N/A

Incomepayments Availableimmediately(age55+) Availablefiveyearsafterridereffectivedate(age55+) N/A

Refundofriderchargesavailableupondeath Yes,ifincomepaymentshaven’tstarted SameasSimpleIncomeOption N/A

Maximumpenalty-freewithdrawal N/A N/A 25%(20%maximumcarryover,plus5%annualfreewithdrawal)

SPECIAL BROADCAST MESSAGEAmerican Landmark 5 has the rates and

features to INCREASE your sales!

The American Landmark 5 fixed-indexed annuity from Great American Life Insurance Company®, offers your clients:

•Five-year declining early withdrawal charges•Additionalpurchasepaymentsacceptedduringfirsttwocontractmonths•Competitive earning potential with participation rates up to 70%•S&P 500 indexed strategy offers caps up to 5.25%•Duringfirstcontractyear,penalty-freewithdrawalof10%ofpurchasepayment•10%penalty-freewithdrawalsofaccountvalueafteryearone•Extended Care Waiver Rider and Terminal Illness Waiver Rider are available•Opportunity to receive lifetime income

Check outGreat American’s Income and Death Benefit Riders!

Call us Today!!For distribution partner use only. Not for use in sales solicitation. Call for disclaimer details!

18


Temporarily Suspended


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


AmericanLegend-7

DeclaredRate:>$100,000:1.75%,<$100,000:1.65%



1.00%

NQ&Q$10,000


0-75


$500,000Issueages

81+

Duringthisfirstcontractyear.10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalchargeormarketvalueadjustment.Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutanearly

withdrawalchargeormarketvalueadjustment.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringtheseven-yearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesortheguaranteedminimumsurrendervalue.

7Years(9,8,7,6,5,4,3)

NQ0-85

InheritedNQ0-75

InheritedIRA0-75

Qualified0-85

Y

4.75%0-75NQ4.75%18-75Q

2.75%76-80Q&NQ2.75%81-85Q&NQ

IA,NY,PA,WYNOMVA:AvailableinAK,CA,PA,UTandVA

DeclaredRate:>$100,000:1.55%,<$100,000:1.45%



PremierBonus

5.75%Bonus!

DeclaredRate:>$150,000:1.10%,<$150,000:1.05%


>$150,000:20%,<$150,000:20%S&PU.S.RetireeSpendingAnnualPoint-to-

PointwithParticipation>$150,000:25%,<$150,000:20%

S&P500AnnualPoint-to-PointwithCap>$150,000:1.75%,<$150,000:1.50%

1.00%

NQ&Q$10,000

Sub:$2,000


0-75


$500,000Issueages

81+

5.75%purchasepaymentbonus;addedtoaccountvalueimmediatelybutnotfullyvesteduntiltheseventhcontractanniversary.

Duringthefirstcontractyear,10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalcharge.

Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutanearlywithdrawalcharge.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringthesevenyearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesandanynon-vestedbonusamount,plusorminusapplicableMVAs,orthe

guaranteedminimumsurrendervalue.

7Years(6,5,4,3,3,3,3)

NQ0-85

InheritedNQ0-75

InheritedIRA0-75

Qualified0-85

Y

4.00%0-75NQ4.00%18-75Q

2.25%76-80Q&NQ2.25%81-85Q&NQ

DE,IA,MN,NY,OR,PA,VT,VA,WA

NOMVA:AvailableinAK,CA,UTandVADeclaredRate:

>$150,000:1.05%,<$150,000:1.00%S&P500RiskControlAnnualPoint-to-Point

withParticipationRate>$150,000:20%,<$150,000:15%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithParticipation

>$150,000:20%,<$150,000:15%S&P500AnnualPoint-to-PointwithCap>$150,000:1.45%,<$150,000:1.35%

PremierIncomeBonus

DeclaredRate:>$150,000:1.80%,<$150,000:1.70%


>$150,000:35%,<$150,000:35%S&PU.S.RetireeSpendingAnnualPoint-to-

PointwithParticipationRate>$150,000:40%,<$150,000:35%

S&P500AnnualPoint-to-PointwithCap>$150,000:2.75%,<$150,000:2.50%

1.00%

NQ&Q$10,000

Sub.:$2,000


0-75


$500,000Issueages

81+

Built-inincomerideroffers8%riderbonus,8%rollupcreditsand10-yearrollupperiod.

Duringthisfirstcontractyear.10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalchargeormarketvalueadjustment.Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutan

earlywithdrawalchargeormarketvalueadjustment.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringtheseven-yearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesortheguaranteedminimumsurrendervalue.

Waivers:TerminalIllnessWaiverExtendedCareWaiver

7Years(6,5,4,3,3,3,3)

NQ&Q40-85 Y

6.00%0-75NQ6.00%18-75Q

4.25%76-80Q&NQ4.25%81-85Q&NQ

DE,IA,MN,NY,OR,VT,VA,WA

NOMVA:AvailableinAK,CA,PA,UTandVADeclaredRate:

>$150,000:1.65%,<$150,000:1.55%S&P500RiskControlAnnualPoint-to-

PointwithParticipationRate>$150,000:35%,<$150,000:30%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithParticipationRate

>$150,000:35%,<$150,000:30%GLDAnnualPoint-to-PointwithCap>$150,000:2.40%,<$150,000:2.15%


19


NEW



(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.


GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

CommissionStatesNot

Available

HighlanderFIA

4%PremiumBonus!

Strategies Duration Rate

MinimumGuar-anteedContractValue(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheminimumguaranteedinterestrate

MinimumQualified$5,000

MinimumNQ

$10,000

Additional$500Minimum(1stContractyearonly)

$1,000,000Maximum

10% Annual Free WithdrawalBeginning in the second contract year.Nursing Home Care* This contract provides access to the full account value, without surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner’s age of 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA.Terminal Illness* If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physi-cian, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions which are:Terminal Illness-physician must certify that the owner’s life expectancy is nine months or less.Critical Illness- The contract must have been purchased prior to the owner’s age of 70.INCOME RIDER: 4% guaranteed roll-up + Stacking Credits for 20 Years

1234567891011+

MostStates

10%9%8%7%6%5%4%3%2%1%0%

Varia-tion

9%9%8%7%6%5%4%3%2%1%0%

0-80 Y

Ages

0-75:7.00%

76-80:5.00%

Ages(CA,FL)

0-75:6.00%

76-80:4.00%

NY

Fixed 1YearFixed 2.00%

S&PMARC5

1YearPoint-to-PointwithParticipation 85%

S&P500 1YearPoint-to-PointwithAnnualCap 3.50%

S&P500 1YearPoint-to-PointwithParticipation 35%

Highlander7FIA


MinimumGuar-anteedContractValue(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheNonforfeitureInterestRate


MinimumNQ$10,000Additional

$500Minimum(1stcontractyearonly)$1,000,000Maximum

10% Annual Free Withdrawal A single, penalty-free withrawal up to 10% of the account value may be taken beginning in the second contract year. Surrender charges and market value adjustment will be waived on any penalty-free amount withdrawn. Amounts withdrawn in excess of 10% of the penalty-free amount will incur a surrender charge and market value adjustment. If applicable. Surrender charges on Internal Revenue Service (IRS) required minimum distributions (RMD) exceeding the penalty-free amount will be waived.Nursing Home Care The contract provides full access to the account value, without surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner’s age 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA.Terminal Illness If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physican, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions.

1234567

AllStates

10%9%8%7%6%5%4%

0-80 Y

Ages

0-75:5.00%

76-80:4.00%

Ages(FL)

0-75:4.00%

76-80:3.00%

NY


S&PMARC5

1YearPoint-to-PointwithParticipation 90%

S&P500 1YearPoint-to-PointwithAnnualCap 4.50%


GuggenheimViStarFIA*IncomeRiderAvailable!10%BenefitBaseBonus0.90%AnnualRiderChargeRate“Benefitbasewillgrowfor20yearsbythedollaramountcreditedtotheaccountvaluemultipliedby4%guaranteedoneachanniversary.”


MinimumGuaranteedContract

Value(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheminimumguaranteedinterestrate


MinimumNQ

$10,000

Additional$500Minimum(1stcontractyearonly)

$1,000,000Maximum

10% Penalty- Free Withdrawal A penalty-free withdrawal of up to 10% of the Account Value calculated as of the last Contract Anniversary. Surrender charges and market value adjustment will be waived on the penalty-free amount withdrawn.Nursing Home Care Rider* This contract provides access to the full account value, withoutsurrender charges and market value adjustment, should the owner become conned to a nursing home for a period of 90 consecutive days after the rst contract year. The contract must be issued prior to the owner’s age of 76. Not available in MA.Terminal Illness Rider* If the owner becomes terminally ill1 year after the policy was purchased or is deemed to be terminally ill by a physician, the full account value may be accessed without surrender charges ormarket value adjustment. Eligibility is subject to rider provisions,which are: 1. Physician must certify that the owner’s life expectancy is ninemonths or less; 2. Owner is diagnosed with a heart attack, stroke or lifethreatening cancer after the policy was purchased, in force for 1year and owner is not over the age of 70. * To meet the criteria for this Rider, the contract must be in force for a minimum of one year. Some state variations apply. See Rider for more details.

MostStates10%,9%,8%,7%,6%,5%,4%,3%,2%,1%

AK,CA,CT,FL,MN,MO,OH,OK,OR,PA,SC,TX,UT,WA9%,9%,8%,7%,6%,5%,4%,3%,2%,1%

0-80 Y

7.00%(0-75)5.00%(76-80)

(CA,FL)6.00%(0-75)4.00%(76-80)

NY


S&P500 1YearPoint-to-PointwithCap 4.00%


S&P500SectorRotatorDailyRC25%IndexER

1YearParticipationRate 90%

S&PEconomicCycleFactorRotatorIndex


S&PMARC5%ExcessReturnIndex


GUGGENHEIMLIFE&ANNUITYCOMPANY(GLA) RatesEffectiveasof3-1-2020

20


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


AmericanLandmark3

DeclaredRate:>$150,000:1.40%,<$150,000:1.25%

1.00%

Min:$50,000

Subsequent$2,000

Max:$1mil.ages0-85$500,000ages86+

EarlyWithdrawalCharges:Three-yeardecliningearlywithdrawalchargesstartingat9%.

Penalty-freewithdrawals:-Duringfirstcontractyear,10%ofpurchasepayments-Afterfirstcontractanniversary,10%oftheaccountvalueasofthemostrecentcontractanniversary

MVA:Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersdur-ingthethree-yearterm.AnMVAdoesnotapplyinallstates.RefertotheInterestRateorStateApprovalChartsfornon-MVAstates.

3Years(9,8,7)

0-90(Q)0-90(NQ)

0-75(inheritedIRA)0-75(inheritedNQ)

TX(0-85)

Y

(NoMVAonlyavailableinAK,PA,UT)

IL,NV,NJ,OR,WA

S&P500AnnualPoint-to-Point>$150,000:3.35%,<$150,000:2.95%

iSharesU.S.RealEstateAnnualP-t-PWithCap

>$150,000:3.65%,<$150,000:3.40%

iSharesMSCIEAFEAnnualP-t-PWithCap>$150,000:3.55%,<$150,000:3.30%

GREATAMERICANLIFEINSURANCECOMPANY(GAA) RatesEffectiveasof3-7-2020

Issue Ages CommissionYr Qual Non-Qual NT 25 Trail

10-75 0-75 2.50% 2.00%

76-85 76-85 2.00% 1.50%86-90 86-90 1.50% 1.00%

Trail2+ 0-90 0-90 n/a 0.25%

NEW

NEW


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


LincolnOptiBlend-5

DeclaredRate:>$100,000:2.00%,<$100,000:1.55%

1-YrS&P500DailyRiskControlSpread>$100,000:2.30%,<$100,000:2.65%

1-YrFidelityAIMDividendParticipation>$100,000:94.00%,<$100,000:84.00%1-YrP-t-PIndexedwithCapAccount>$100,000:4.70%,<$100,000:3.70%

1-YrS&P500Participation>$100,000:37.00%,<$100,000:29.00%

1.00%

NQ&Q$10,000Max:

2million

Beginninginthefirstcontractyear,upto10%ofcontractvaluemaybewithdrawneachcontractyearwithoutincurringcharges.Ifyouaccessmorethanthe10%annualfreewithdrawalbeforetheendofthesur-renderchargeperiod,itmaybesubjecttoasurrenderchargeandanMVA.TheMVAisapositiveornegativeadjustmentbasedonthecurrentinterestrateenvironmentattimeofsurrender.TheMVAdoesnotapplytowithdrawalsafterthesurrenderchargeperiod,the10%annualfreewithdrawal,thedeathbenefit,annuitizedcontracts,orcontractsissuedinselectedstates.

5Years NQ-Q0-85 Y

3.00%0-74

2.20%ages75-79

1.20%ages80-84

0.50%age85

NY

LincolnOptiBlend-7

DeclaredRate:>$100,000:1.50%,<$100,000:1.35%

1-YrS&P500DailyRiskControlSpread>$100,000:3.20%,<$100,000:3.80%

1-YrFidelityAIMDividendParticipation>$100,000:81.00%,<$100,000:76.00%1-YrP-t-PIndexedwithCapAccount>$100,000:3.75%,<$100,000:2.65%


1.00%

NQ&Q$10,000Max:

2million


7Years NQ-Q0-85 Y

4.50%0-74

3.00%ages75-79

1.75%ages80-84

0.75%age85

NY

LincolnOptiBlend-10

DeclaredRate>100,000:1.40%,<$100,000:1.30%

1-YrS&P500DailyRiskControlSpread>$100,000:2.45%,<$100,000:3.05%1-YrFidelityDividendParticipation

>$100,000:100.00%,<$100,000:76.00%1-YrP-t-PIndexedwithCapAccount>$100,000:4.25%,<$100,000:3.40%


1.00%

NQ&Q$10,000Max:

2million


10Years NQ-Q0-80 Y

7.00%0-74

4.00%ages75-79

1.75%age80

NY

LincolnOptiBlendPlus

6.00%PremiumBonus(fordepositsreceivedinyears1-4)

DeclaredRate>100,000:1.00%,<$100,000:1.00%

1-YrS&P500DailyRiskControlSpread>$100,000:4.65%,<$100,000:5.10%1-YrFidelityDividendParticipation

>$100,000:40.00%,<$100,000:40.00%1-YrP-t-PIndexedwithCapAccount>$100,000:2.30%,<$100,000:1.55%


1.00%

NQ&Q$10,000Max:

2million


10Years NQ-Q0-80 Y 6.00%0-75 NY

LINCOLNFINANCIALGROUP(LFA) RatesEffectiveasof12-15-2019

(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.

21

NEW

PhoenixPersonalProtectionChoice

Minimum Premium

Surrender Charges Commission States Not Available

$15,000Q&NQ

Max$1,000,000

10Years(12,12,12,11,10,9

8,7,6,4)(MostStates)

0-75:7.25%76-80:5.00%(AL,AR,AZ,CA,CO,DC,GA,HI,ID,IL,KS,LA,MA,MI,ND,NE,NM,RI,SC,SD,TN,VT,WI,WV,WY)

0-75:7.00%76-80:4.75%(CT,DE,FL,IN,IA,KY,MD,MS,MT,NH,NV,OH,OK,PA,TX,UT)

0-75:7.00%76-80:5.00%(AK,MN,MO,NC,NJ,OR,VA,WA)

*PaperApps*0.10%CommissionincreasewitheApp.

ME, MA, MN, NY

MVA

Y

Minimum Surrender

ValueIssue Ages

87.5%ofpremiumslesswithdrawals@

1.00%

0-80Q&NQ

FIXED INDEXANNUITIES Blended Product

Minimum Surrender

Value

Minimum Premium

Withdrawal Provisions/Contract Features

Surrender Charges Commission

States Not

AvailablePhoenixPersonalIncomeAnnuity

$15,000Q&NQ

Max:$1,000,000

87.5%[email protected]%

• Penalty-freewithdrawalsupto10%ofcontractvalueeachyear• WithdrawalsforRMDassociatedwiththiscontractwillnotincurwith-

drawalfeesorMVA• Anywithdrawalsmaybesubjecttofederalandstateincometax• Iftakenpriortoage591/2,withdrawalsmayalsobesubjecttoa10%

federalpenalty• Withdrawalstakeninexcessoffreewithdrawalamountduringthesur-

renderchargeperiodwillbesubjecttosurrenderchargesandamarketvalueadjustment

• ForcontractsthatincludeanoptionalGMWBrider,withdrawalspriortoriderexerciseorinexcessoftheguaranteedamountwillreducethebenefitbaseandthereforereducefutureguaranteedwithdrawalamounts

• Withdrawalstakenduringthesegmentdurationwillnotbeincludedwhencalculatingtheindexcreditforthatsegment

10Years(12,12,12,11,10,9

8,7,6,4)(MostStates)

0-75:7.25%76-80:5.00%(AL,AR,AZ,CA,CO,DC,GA,HI,ID,IL,KS,LA,MA,MI,ND,NE,NM,RI,SC,SD,TN,VT,WI,WV,WY)

0-75:7.00%76-80:4.75%(CT,DE,FL,IN,IA,KY,MD,MS,MT,NH,NV,OH,OK,PA,TX,UT)

0-75:7.00%76-80:5.00%(AK,MN,MO,NC,NJ,OR,VA,WA)

*PaperApps*

ME, MA, MN, NY

MVA

Y

Issue Ages

0-80Q&NQ

NASSAURECOMPANY(PLA)

10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.20% N/A N/A1-Yr S&P 500 - Cap 2.50% N/A N/A1-Yr S&P 500 - Par/Spread N/A 28% 2.00%1-Yr CSTMAI N/A N/A 4.25%2-Yr S&P 500 - Cap 5.50% N/A N/A2-Yr S&P 500 - Par N/A 32% N/A2-Yr S&P 500 - Par/Spread N/A 40% 4.00%2-Yr CSTMAI N/A N/A 4.00%3-Yr S&P 500 - Par/Spread N/A 60% 9.00%Fixed Account 1.50%AL, AR, AZ, CO, DC, IA, ID, IN, KS, MD, MI, MT, ND, NM, NV, OK, RI, SD, TN, WV *Call for other states!*


10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.95% N/A N/A1-Yr S&P 500 - Cap 4.75% N/A N/A1-Yr S&P 500 - Par/Spread N/A 50% 2.00%1-Yr CSTMAI N/A N/A 0.75%2-Yr S&P 500 - Cap 11.00% N/A N/A2-Yr S&P 500 - Par N/A 56% N/A2-Yr S&P 500 - Par/Spread N/A 73% 4.00%2-Yr CSTMAI N/A N/A 0.00%3-Yr S&P 500 - Par/Spread N/A 105% 9.00%Fixed Account 2.65%AL, AR, AZ, CO, DC, IA, ID, IN, KS, MD, MI, MT, ND, NE, NM, NV, OK, RI, SD, TN, WV

Cap Par. Spread1.80% N/A N/A4.25% N/A N/A

N/A 45% 2.00%N/A N/A 1.50%

9.75% N/A N/AN/A 51% N/AN/A 66% 4.00%N/A N/A 0.00%N/A 95% 9.00%Fixed Account - 2.40%

CT, DE, FL, KY, MS, OH, SC, WI

Cap Par. Spread1.90% N/A N/A4.75% N/A N/A

N/A 41% 2.00%N/A N/A 1.00%

10.25% N/A N/AN/A 49% N/AN/A 63% 4.00%N/A N/A 4.00%N/A 91% 9.00%Fixed Account - 2.50%

AK, GA, HI, IL, LA, MO, NC, NH, OR, PA, TX, UT, VA, VT, WA, WY

Withdrawal Provisions/Contract Features• Thepercentageofthebenefitbaseavailableforwithdrawalvariesbyrider,issueageandduration• Benefitbasestopsgrowingwhenyoubeginguaranteewithdrawals.Withdrawalspriortoriderexerciseorinexcessoftheguaranteed

amountwillreducethebenefitbaseandamountoffutureguaranteedbenefits• incomewithdrawalsaretakenfromyourcontractvalueandwillreducetheenhanceddeathbenefit(ifelected).Overtime,contract

valuecouldbewithdrawnentirely,leavingnodeathbenefit.• Withdrawalspriortoriderexercisereducethebenefitbasebutdonotstoptheincomeroll-up.Roll-upisbasedonthepremiumadjusted

forwithdrawals• Anywithdrawalswillreducethefamilyprotectiondeathbenefitinthesameproportionasthecontractvalueisreduced


22

NassauGrowthAnnuity 10

Minimum Premium Surrender Charges Commission States Not

Available

$15,000Q&NQ

Max$1,000,000

AK,CT,FL,GA,IN,KY,MO,MT,NC,OH,OR,PA,SC,TX,UT,VA,WA,WI

9.6,8.7,7.8,6.8,5.9,4.9,3.9,3,2,1

AL,AR,AZ,CO,DC,IA,ID,IL,KS,MI,MS,ND,NH,NM,NV,OK,SD,TN,VT,WV,WY

12,12,12,11,10,9,8,7,6,4

HSCPaperApp0-75:7.25%76-80:5.00%

HSCeApp0-75:7.35%76-80:5.10%

CA, HI, LA, ME, MD, MA, MN, NE,

NJ, NY, RI

(AL,AR,AZ,CO,DC,IA,ID,IL,KS,MI,MS,ND,NH,NM,NV,OK,SD,TN,VT,WV,WY,IN)

MVALSCPaperApp0-75:7.00%76-80:4.75%

LSCeApp0-75:7.10%76-80:4.85%

YMinimum Surrender

ValueIssue Ages (AK,CT,FL,KY,MO,MT,NC,OH,OR,

PA,SC,TX,UT,VA,WA,WI,GA)

*PaperApps*0.10%Commissionincreasewith

eApp.


1.00%

0-80Q&NQ


Minimum Surrender

Value

Minimum Premium



States Not

AvailableNassauGrowthAnnuity 7


1.00%

$15,000Q&NQ

Max:$1,000,000

10% Free Withdrawals with 7 Year Surrender Period

• Withdrawals up to the contract’s free withdrawal amount are free of fees and charges• Withdrawals for Required Minimum Distributions (RMDs) associated with this contract

will not incur surrender charges, Market Value Adjustment (MVA), or fees• Withdrawals prior to Amplified Income Plus rider exercise (if elected) reduce the benefit

base, but do not stop roll-ups on the reduced benefit base• Any withdrawals may be subject to federal and state income tax• Withdrawals exceeding the free withdrawal amount during the surrender charge

period will be subject to surrender charges and MVA. Withdrawals exceeding the free withdrawal amount in any year will be subject to pro-rated rider and strategy fees

• Withdrawals are always taken from the fixed account value first. Afterwards, withdrawals are taken proportionately from indexed accounts. Withdrawals taken from indexed accounts will be excluded when calculating index credits

• MARKET VALUE ADJUSTMENT (MVA)• Applies during the surrender charge period• Adjustment may be positive or negative depending on the change in the interest rates

since contract issue• The maximum positive adjustment to the cash surrender value cannot exceed the

maximum negative adjustment• Applies when surrender charges are waived under the nursing home and terminal

illness waiver• MVA is waived on withdrawals under the contract’sfree withdrawal amount, on death-

benefit and on annuitization

7Years(9,8,7,6,5,4,3)

PaperApp

0-75:5.50%76-80:3.00%

eApp

0-75:5.60%76-80:3.10%

CA, HI, LA, ME, MD, MA, MN, NE, NJ, NY, RI

MVA

Y

Issue Ages

0-80Q&NQ

NASSAURECOMPANY(PLA)

7 Year Surrender ChargeCap Par.

Annual Strategy

Fee1-Yr S&P 500 - Cap 4.00% N/A N/A1-Yr S&P 500 - Par. N/A 35% N/A1-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 51% 1.00%

2-Yr S&P 500 - Par N/A 48% N/A2-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 70% 1.00%

2-Yr Sunrise Smart Pas-sage SG - Par. N/A 85% N/A

Fixed Account 2.20%For use in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, IA ID, IL, KS, KY, MI, MO, MS, MT, NC, ND, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY


10 Year Surrender Charge Cap Par. Annual Strategy Fee1-Yr S&P 500 - Cap 5.25% N/A N/A1-Yr S&P 500 - Par. N/A 46% N/A1-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 61% 1.00%

2-Yr S&P 500 - Par N/A 61% N/A2-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 83% 1.00%

2-Yr Sunrise Smart Pas-sage SG - Par. N/A 110% N/A

2-Yr Sunrise Smart Pas-sage SG - Amplified Par. Rate with Strategy Fee

N/A 150% 1.00%

Fixed Account 2.80%AL, AR, AZ, CO, DC, IA, ID, IL, KS, MI, MS, ND, NH, NM, NV, OK, SD, TN, VT, WV, WY

Cap Par. Annual Strategy Fee5.00% N/A N/A

N/A 42% N/AN/A 58% 1.00%

N/A 57% N/AN/A

79% 1.00%

N/A 100% N/A

N/A140% 1.00%

2.60%AK, CT, FL, GA, IN, KY, MO, MT, NC, OH, OR, PA, SC, TX, UT, VA, WA, WI

Withdrawal Provisions/Contract Features• 5%FreeWithdrawalswith10YearSurrenderPeriod• Withdrawalsuptothecontract’sfreewithdrawalamountarefreeoffeesandcharges• WithdrawalsforRequiredMinimumDistributions(RMDs)associatedwiththiscontractwillnotincursurrendercharges,MarketValueAdjustment(MVA),orfees• WithdrawalspriortoAmplifiedIncomePlusriderexercise(ifelected)reducethebenefitbase,butdonotstoproll-upsonthereducedbenefitbase• Anywithdrawalsmaybesubjecttofederalandstateincometax• WithdrawalsexceedingthefreewithdrawalamountduringthesurrenderchargeperiodwillbesubjecttosurrenderchargesandMVA.Withdrawalsexceedingthefreewithdrawalamountinanyyearwillbesubjecttopro-ratedriderandstrategyfees• Withdrawalsarealwaystakenfromthefixedaccountvaluefirst.Afterwards,withdrawalsaretakenproportionatelyfromindexedaccounts.WithdrawalstakenfromindexedaccountswillbeexcludedwhencalculatingindexcreditsMARKETVALUEADJUSTMENT(MVA)• Appliesduringthesurrenderchargeperiod• Adjustmentmaybepositiveornegativedependingonthechangeintheinterestratessincecontractissue• Themaximumpositiveadjustmenttothecashsurrendervaluecannotexceedthemaximumnegativeadjustment• Applieswhensurrenderchargesarewaivedunderthenursinghomeandterminalillnesswaiver• MVAiswaivedonwithdrawalsunderthecontract’sfreewithdrawalamount,ondeathbenefitandonannuitization

NEW

NEW

(For Agent Use Only)Not intended for soliciting an-nuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

23

*Premium Bonus Paid on all new premium in first 7 contract years

FIXED INDEXANNUITIES1 Index Cap Rate Product

Minimum Surrender

Value

Minimum Premium

NorthAmericanCharterPlussm10yearoptionPremiumBonus

$75,000 Minimum Premium

3.00% Premium Bonus


14yearoptionPremiumBonus


5.00% Premium Bonus


87.5% of premiums less with-

drawals @ 1.00%

$75,000Q & NQ

NORTHAMERICANCOMPANYFORLIFEANDHEALTHINSURANCE®

10 Year 14 Year$75k+ Initial

Premium$75k+ Initial

Premium

S&P 500®

DA Index Margin (No Cap) 6.95% 6.05%MPP Index Cap Rate 1.00% 1.25%APP Index Cap Rate 2.25% 2.50%APP Participation Rate (No Cap) 20% 22%

S&P 500® LOW VOLATILITY DAILY RISK CONTROL 5% (Not available in all states)

APP Index Margin (No Cap) 7.00% 6.00%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 8.00% 7.25%

NASDAQ-100® MPP Index Cap Rate 0.65% 0.95%Fixed Account Rate 0.90% 1.10%Premium Bonus 7.00% 10.00%

24

NorthAmericanCharterPlusStateVariations for AK, CA, CT, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX, UT, VA, WA

10-YEAR

S&P 500®

DA Index Margin (No Cap) 7.25%MPP Index Cap Rate 1.00%APP Index Cap Rate 2.25%APP Participation Rate (No Cap) 20%


APP Index Margin (No Cap) 7.00%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 8.50%

NASDAQ-100® MPP Index Cap Rate 0.55%Fixed Account Rate 0.80%

$75,000+ Initial PremiumPremium Bonus 3.00%


See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 2/4/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

FIXED INDEXANNUITIES1 Withdrawal Provisions/Contract Features Surrender

Charges6Issue Ages MVA2 Commission States Not

Available

NorthAmericanCharterPlussm10yearoptionPremiumBonus


3.00% Premium Bonus

*Premium Bonus Paid on all new pre-mium in first 7 contract years

14yearoptionPremiumBonus


5.00% Premium Bonus

*Premium Bonus Paid on all new pre-mium in first 7 contract years

Clients may transfer between Fixed & Index account options or crediting methods within

Index account annually. You have 30 days each contract anniversary to reallocate. Transfers not allowed until 1st contract yr. The ability

to transfer annually for the 30 days is also by current company practice .Annuitization Benefit: By current Company practice, proceeds may be

converted to an annuity payment option after yr 1. Income payments will be based on the

Accumulation Value if a Life, Life & Certain or Joint Life option is selected. Full acct value at

death.10% of Accum Value each year after yr. 1 The penalty-free withdrawal will increase by 10% of the Accumulation Value. Death benefit accum value goes to beneficiary upon death. Receive lump sum or a series of payments. Premium

Bonus recapture provision.

10 Years(10,10,9,9,88,7,6,4,2)

14 Years(12,12,11,11,10,9,8,7,6,5,4,3,2,1)

10 Years0-79

Q & NQ

14 Years0-75

Q & NQ(IN - Issue age 0-74)(CA - Issue age 0-52)(NH - Issue age 0-74)

Yes

10-Year6.50% year 13.25% yrs 2&31.63% yrs 4&5

14-Year6.50% year 13.25% yrs 2&31.63% yrs 4&5

10YearNY

14 YearAK, CT, DE, HI, MA, MN, MO, MT, NV, NY, OH, OK, OR, PA,

SC, TX, UT, VA, WA

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6 Commission

NorthAmericanVersaChoice

87.5% of premiums

less withdrawals @ 1.00%

Modified Single

Premium

$20,000Non-

Qualified

$20,000Qualified

10% free withdrawals after the issue date of the beginning of year accumulation value each year

Add the Enhanced Liquidity Benefit Rider for 0.50% annually and get these features:

• Enhanced penalty-free withdrawals: Beginning in the second year, up to 20% free• Return of premium: Any time after the second contract year,the client may terminate the contract and receive no less thanthe contract’s net premium paid.• ADL-based surrender charge waiver: If client is unable tocomplete two of the six activities of daily living (ADLs) after theissue date and otherwise qualifies, it’s possible to get up to100% of accumulation value immediately with no surrendercharges.• ADL-based payout benefit: After the second contractanniversary, if a client is unable to complete two of the sixADLs and otherwise qualifies, they may choose to draw anincome over fi ve years that is based on an enhancedaccumulation value amount (percentage varies by contractyear)

10 Years(10,10,9,9,8,8,7,6,4,2) 1st year

6.50%MVA2

N

Issue Ages

0-79 NY


10 Year

$75k+ Initial

Premium

$20k - 74,999k+

Initial Premium

S&P 500® MPtP Index Cap Rate 1.40% 1.20%APtP Index Cap Rate 4.25% 3.25%

APtP Participation Rate (No Cap) 30% 25%

Two Year PtP with Participation Rate 40% 28%

S&P MARC 5% ER

Two Year PtP with Participation Rate 120% 80%Annual PtP with

Participation Rate 80% 60%

S&P 500 LOW VOLATILITY DAILY RISK CONTROL 5%

APtP Index Margin (No Cap) 4.20% 5.00%

Fixed Account 1.60% 1.40%


See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 3/17/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

States NotAvailable

25

NorthAmericanPerformanceChoicesm8Plus

UtahRates-callfordetails!!

87.5% of premiums


$20,000NQ-Q

Penalty Free Withdrawals - After the 1st contract yr, withdrawal once per year not to exceed 10% of the Accumulation Value is available.

Interest Adjustment - Applied only during the Interest Adjustment pe-riod to surrenders exceeding the applicable penalty-free amount and

limited to the Interest credited to the Accumulation Value.

Annual Transfer Option: After the first year, you may transfer between available accounts and/or crediting methods on each contract

anniversary.

Surrender Value: Value never less than minimum required by state laws at the time of issue where the contract is delivered.

Riders: Nursing Home Confinement Waiver (not available in all states)

Surrender Charges6

8 Years(10,10,10,10,

9,8,5,3) Year 1 - 4.75%

With additional Premium

Yrs 2&3 - 2.38%Yrs 4&5 - 1.19%

MVA2

Y

Issue Ages0-85

Q & NQ0-52 SC0-82 IN

NY(UT - Call for

details)

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6 Commission


APP MPP IPTS&P 500® 4.00% 1.40% 4.65%S&P MARC 5% ER 1.35% N/A N/ADJIASM 3.05% N/A N/AS&P MARC 5% ER w/Par. Rate 75% N/A N/A

Russell 2000® 2.95% N/A N/ANASDAQ-100® 2.95% 1.45% N/AEURO STOXX 3.95% N/A N/AHang Seng 3.40% N/A N/AFixed Account 1.90%

States NotAvailable

26See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 3/17/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

NACIncomeChoice 10

LOW BAND($20,000 - $249,999)

HIGH BAND($250,000+)Call For Details!!!

$20,000Q&NQ

Additional Liquidity: For a cost, the optional Additional Benefit Rider offers additional liquidity when added to the Contract.

10% penalty-free withdrawals, beginning in the third contract year, increase to 20% if no withdrawals taken in the previous

year. (this is the maximim amount) Return of premium is avail-able in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider

cost) 4% Additional Payout Benefit is available on Accumula-tion Value at payout, after the surrender charge period. Ad-

ditional Premium Bonus: Premium Bonus increases from 3% to 8%. Additional Payout Benefit: 4% Accumulation Value at

payout after the surrender charge period. Return of Premium: Available in third contract year, less premium bonus, withdraw-als and any rider costs (excluding the Additional Benefit Rider cost). Additional Benefit Rider Premium Bonus: The premium

bonus recapture also applies to any increased premium bonus due to the Additional Benefit Rider and the cost of the Rider will continue to be deducted even if the part of the additional

premium bonus has been recaptured.

Surrender Charges6

6.50% Year 1

3.25% Years 2-3

1.63% Years 4&5

10 Years(10,10,10,10,10,9,8,6,4,2)

MVA2

N

Issue Ages

40-79 NY

States NotAvailable

10 Year Surrender Charge MA APP PTP MPP IPTS&P 500® N/A 3.00% 25% 1.00% N/AS&P MARC 5% ER N/A 2.75% N/A N/A N/AS&P 500 Low Volatility Daily Risk Control 5%

APtP w/Threshold Participa-tion Rates (No Cap)

Index Return Threshold 9.00%

Base Par Rate 20%

Enhanced Par Rate 110%

Fixed Account 1.00%GLWB Bonus 5.00%

87.5% of premiums


Minimum Surrender

Value

Minimum Premium



Minimum Surrender

Value

Minimum Premium



States Not

AvailableStrategicDesignAnnuityX

87.5% of premiums


$50,000Q&NQ

• After the first contract anniversary, up to 7% of the initial premium each year.

• Guaranteed lifetime withdrawal benefit (GLWB): GLWB value roll-up of 200 percent of the interest credited expedites potential income growth

• Enhanced penalty-free withdrawals: Annual penalty-free withdrawal percentage starts at 10 percent after the first contract anniversary but can grow as large as 32 percent.

• Lifetime income option: Level or increasing options for lifetime pay-ments.

• Lifetime payment amount multiplier (may not be available in all states): Doubled lifetime payment amount up to five years, eligibility based on inability to perform two of six activities of daily living (ADLs4).

• Accumulation value step-up: On the ninth and 10th contract anniver-saries, if interest credits are less than the total amount of rider charges incurred the accumulation value will increase by the accumulation value step-up amount.

10 Years(10,10,10,10,10

9,8,7,6,4,2)

10Year6.50% NY

MVA

N

Issue Ages

50-79


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

CommissionStatesNot

Available

SageSelectFixedIndexed(4.00%ImmediateBonusInterestonInitialPremium)

Declared Rate Strategy Interest Rate: 2.00%

S&P 500® Index Strategy Cap: 4.00%

Global Multi Index Strategy 3 Participation Rate 40.00%

3.00% on 87.5% of Premium

Single Purchase Payment $2,000 Q&NQ

(no inherited

IRA’s)

Penalty Free Withdrawals - Beginning in year 2, the owner can withdraw up to 10% each year. If this amount is not withdrawn it is cumulatively added to the following years penalty free withdrawal, up to 50%.Allocation Dates - Can occur the 1st, 8th, 15th or 22nd day of the month.Nursing Home Facility or Confirmed Care Facility Confinement - If owner qualifies, the maximum free withdrawal percentage will be 100%.Death of Owner - Death benefit will be paid if the owner dies before the maturity date. It will be paid in one lump sum or an available settlement option may be chosen.

9 Years (9,8,7,6,5,4,3,2,1)

15 days

to age 85-NQ

15 days

to age 85-Q

N

E-AppRates!6.00%(ages 0-75)3.00% (ages 76-85)

AK, CT, ME, NY,

VT

SageSecureFIA

CallforCaliforniaRates!

Declared Rate

S&P 500 Index1 Yr Pt-to-Pt

Global Multi-Index1 Yr Pt-to-Pt w/Par

This value is 87.5% of the single premium

paid

Minimum Premium Amount $25,000(Q & NQ)

Maxium Premium Amount

$750,000

PenaltyFreeWithdrawalsallowed:-Maxium Penalty Free Withdrawal Percentage: 10% each year (Beginning contract year 2)-Nursing Home Facility, Confined Facility Care Con-finement or Terminal Illness: Maximum Penalty Free-Withdrawal percentage will be 100% when certain nursing home, confined care facility confinement or terminal illness conditions are met (Beginning day 1)• Transfer/Relocations are allowed at the end of each

1-year term period• Market Value Adjustment (MVA)• Maturity is reached on the contract anniversary fol-

lowing the Annuitant’s 100th birthday• The Death Benefit may be paid out in a lump sum or

an available settlement option may be chosen

10 Years (9,9,8,7,6,5,4,3,2,1)

7 Years (9,8,7,6,5,4,3)

5 Years (9,8,7,6,5)

Issue age for owner

and An-nuitant 15 days

to 90 years (Age last

birthday

Y

E-AppRates!10 Year

0-80 6.00%81-85 3.70%86-90 2.60%

7 Year0-80 4.50%

81-85 2.70%86-90 1.80%

5 Year0-80 3.25%

81-85 1.95%86-90 1.25%

AK, CT, ME, MT, NY, VT

10 Year$100,000+ 1.80% 5.10% 35.00%$25,000- $99,999 1.50% 3.55% 30.00%

7 Year$100,000+ 1.65% 4.85% 33.00%$25,000- $99,999 1.40% 3.35% 28.00%

5 Year$100,000+ 1.65% 4.75% 30.00%

$25,000- $99,999 1.05% 3.25% 25.00%

SAGICORLIFEINSURANCECOMPANY(Sagicor)

BeforesendingbusinesstoSagicor:Everyagentinallstatesmusthaveitconfirmedthattheappointmentprocesshasbeencompletedandproducttraininghasbeensuccessfullycompleted.

27


10 YearS&P 500® MPtP Index Cap Rate 1.75%

APtP Index Cap Rate 4.50%APtP Participation Rate (No Cap) 38%

APtP w/Inverse Edge

Trigger

Negative Index Return Threshold -10.00%Base Declared Performance Rate 2.00%Enhanced Declared Performance Rate 6.80%

S&P MARC 5% ER

APtP Participation Rate (No Cap) 85%Two-Year PtP Participation Rate (No Cap) 120%

Fixed Account 2.00%

NEW

FORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 2/4/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394


NEW



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


RoyalSelectFIA

8%Bonus!

FixedRate:1.35%

1%on87.5%ofpremium

$10,000-$350,000Q&NQ

Beginninginthesecondyear:upto10%ofaccumulatedvalue

WaiverofSurrender/WithdrawalCharges:TerminalIllnessBenefit,HomeHealthBenefit,NursingHomeBenefit

MarketValueAdjustment(MVA):themarketvalueadjust-mentisappliedonlyduringthesurrender/withdrawalchargeperiodandonlyonamountsthatexceedthepenaltyfreewithdrawalamount.

10years(10,9,8,7,6,5,4,3,2,1)

18-80Q&NQ Y

NoGLWB

18-70:6.50%

71-75:6.50%

76-80:5.00%

WithGLWB

18-75:6.50%

76-80:5.00% AL,MT,MS,NY,VT,WV

AnnualPoint-to-PointCap:3.70%

MonthlyAverageCap:3.70%

OptionalGLWBIncomeAccountRate:6.75%

SilverSelectFIA

4%Bonus!

FixedRate:1.75%

1%on87.5%ofpremium

$10,000-$350,000Q&NQ




10years(10,9,8,7,6,5,4,3,2,1)

18-80Q&NQ Y

NoGLWB

18-70:6.50%

71-75:6.50%

76-80:5.00%

WithGLWB

18-75:6.50%

76-80:5.00% AL,MT,MS,NY,VT,WV

AnnualPoint-to-PointCap:4.50%


OptionalGLWBIncomeAccountRate:7.15%

SelectSeries:Select3 FixedRate:1.55%

1%on87.5%ofpremium

$20,000-$350,000Q&NQ




3years(10,9,8)

18-80Q&NQ Y

NoGLWB

18-70:2.25%

71-75:2.25%

76-80:1.35%

WithGLWB

18-75:2.25%

76-80:1.35% AL,MS,NY,VT,WVAnnualPoint-to-PointCap:3.95%



1%on87.5%ofpremium

$20,000-$350,000Q&NQ




5years(10,9,8,7,6)

18-80Q&NQ Y

NoGLWB

18-70:3.50%

71-75:3.50%

76-80:2.65%

WithGLWB

18-75:3.50%




1%on87.5%ofpremium

$20,000-$350,000Q&NQ




7years(10,9,8,7,6,5,4)

18-80Q&NQ Y

NoGLWB

18-70:5.00%

71-75:5.00%

76-80:4.10%

WithGLWB

18-75:5.00%




1%on87.5%ofpremium

$20,000-$350,000Q&NQ




10years(10,9,8,7,6,5,4,3,2,1)

18-80Q&NQ Y

NoGLWB

18-70:6.50%

71-75:6.50%

76-80:5.00%

WithGLWB

18-75:6.50%



OXFORDLIFEINSURANCECOMPANY

28(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.





GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No


ProtectiveIndexedAnnuityII5Year

ReturnofPremiumOptionavailablewithlowercaps/rates

Premiumsunder$100,000FixedAccount1.35%ParticipationRate100%S&P500AnnualPt-to-PtCap3.85%AnnualTriggerRate3.25%AnnualRateCapforTerm3.75%

Premiumsover$100,000FixedAccount1.50%ParticipationRate100%S&P500AnnualPt-to-PtCap4.15%AnnualTriggerRate3.55%AnnualRateCapforTerm4.05%

1.25%on100%ofPremium

$10,000Q&NQMinimumAdditionalDeposits$1,000

1styearonly

10%penaltyfreewithdrawalavailableeachyear.Nursing

facility,terminalillness&unemployment

waivers.Fullaccumu-lationupondeath

5Years(9,9,8,7,6)

SurrenderchargesdifferinCA,IA

&OR

0-85

Y

exceptAK,MO,PA,UT,VT

2.55%0-80

1.28%81-85

NY

Caps&RatesarelowerinNon-MVAstates







1styearonly




7Years(9,9,8,7,6,5,4)


&OR

0-85

Y


3.75%0-80

1.88%81-85

NY








1styearonly




10Years(9,9,8,7,6,5,4,3,2,1)


&OR

0-85

Y


4.50%0-80

2.25%81-85

NY


ProtectiveIndexedAnnuityNewYork5Year


Premiumsunder$100,000FixedAccount1.55%ParticipationRate100%S&P500AnnualPt-to-PtCap3.00%AnnualTriggeredRate2.50%

Premiumsover$100,000FixedAccount1.70%ParticipationRate100%S&P500AnnualPt-to-PtCap3.30%AnnualTriggeredRate2.80%



1styearonly




5Years(9,9,8,7,6) 0-85 N

2.00%0-80

1.00%81-85

AVAILABLEONLYIN

NY







1styearonly




7Years(9,9,8,7,6,5,4) 0-85 N

3.00%0-80

1.50%81-85

AVAILABLEONLYIN

NY







1styearonly




10Years(9,9,8,7,6,5,4,3,2,1)


&OR

0-85 N

3.75%0-80

1.90%81-85

AVAILABLEONLYIN

NY

ProtectiveAssetBuilder6Year





1styearonly




6Years(9,8,7,6,5,4) 0-85 Y

3.00%0-80

1.50%81-85

NY

ProtectiveAssetBuilder8Year





1styearonly




5Years(9,9,8,7,6) 0-85 Y

4.25%0-80

2.125%81-85

NY

PROTECTIVELIFEINSURANCECOMPANY(PLIC)

29AnnualTriggerRate:Thisstrategycreditsapredetermindedtriggerinterestratewhenindexperformanceisflatorpositive.Whenindexperformanceisnegative,nointerestiscreditedforthatyear.AnnualTieredRate:Thisstrategycreditsabaseinterestratewhenindexperformanceisflatorpositiveandaperformanceindexperformancereachesaspecifiedperformancetier.Whenindexper-formanceisnegative,nointerestiscreditedforthatyear.Effective3/15/2016,theS&P500®Indexmusthaveanannualreturnof15.00%fortheperformanceinterestrateenhancementtobeapplied.


premium bonus!!! · • nursing home waiver and terminal illness rider • 6.00% rollup rate for up...

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