premium bonus!!! contact us today! · equitrust life market 10 bonus 6.00% for 5yrs 7 5.00% 2.00%...

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

Annuity Product Reference GuideINDEXED

February

OPEN HERE!Your potential annuity

sales await!

2019Last Updated

02/13/19

Contact us Today!

• 12% Premium Bonus!• Premium Bonus Vested Day 1• 5 Index strategies and Fixed Account at 1.50%• 10% Annual Free Withdrawals After First Year• Full Account Value at Death

• 14 year surrender charge schedule• Nursing Home Waiver and Terminal Illness Rider• 6.00% rollup rate for up to 10 years on Optional• Income Rider!• 2 Year Monthly Average Cap at 7.00%

FEEL THE POWER

MarketPower Bonus Index®

PremiumBonus!!!

12.00%

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

Call us today!

from EquiTrust Life Insurance Company®

Table of Contents - Company Overviews


*The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosures for additional information.

2

3 INDEXED ANNUITIES4 GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON5 GUARANTEE INCOME RIDER INCOME PAYOUT PERCENTAGE COMPARISON6-7 AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (888) 221-1234

8 AMERICAN GENERAL LIFE COMPANIES* Policies issued by American General Life and United States Life (NY only) A.M. Best Rating* = A (excellent) (888) 438-6933

15 AMERICAN NATIONAL INSURANCE COMPANY A.M. Best Rating = A (excellent) (800) 835-5320

9-11 ATHENE ANNUITY & LIFE ASSURANCE COMPANY A.M. Best Rating = A (excellent) (855) 428-4363, option 1

12 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating = B++ (good) (866) 598-3694

13 GLOBAL ATLANTIC FINANCIAL GROUP A.M. Best Rating = A (excellent) (866) 645-2449

14-16 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating = A (excellent) (800) 438-3398 x11999

17 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating = B++ (good) (800) 767-7749

18 LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) 238-6252

19 NASSAU RE COMPANY A.M. Best Rating = B (good) 888-794-4447

20-24 NORTH AMERICAN COMPANY FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) 586-0242 x35676

25 OXFORD LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (800) 308-2318

26 PROTECTIVE LIFE INSURANCE COMPANY A.M. Best Rating = A+ (superior) (800) 421-5614

24 SAGICOR LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (888) 724-4267 x6180

Indexed AnnuitiesCompany Product Name Bonus Design Cap Fixed

Rate

S&P 500Participation

Rate

Minimum Surrender Value

SurrenderCharge Period

5 year termProtective Life Protective Index Annuity II 0.00% 2 3.95% 1.70% 100% First Year 1.00% on 100% 5 yearsGreat American Life American Landmark 5 0.00% 1 5.50% 2.40% 100% First Year 1.00% on 87.5% 5 years6 year termProtective Life Protective Asset Builder 0.00% 2 4.05% 1.65% 100% First Year 1.00% on 100% 6 years7 year termGreat American Life American Legend III 0.00% 2 5.60% 2.85% 100% First Year 1.00% on 100% 7 yearsAmerican National Strategy Plus - 7 1.00% 2 4.20% 2.40% 100% First Year 1.00% on 87.5% 7 yearsProtective Life Protective Index Annuity II 0.00% 2 4.20% 1.80% 100% First Year 1.00% on 100% 7 years8 year termNorth American Performance 8 Plus 4.00% for 5yrs 4 3.60%mo 2.15% 100% First Year 1.00% on 87.5% 8 yearsProtective Life Protective Asset Builder 0.00% 2 4.30% 1.90% 100% First Year 1.00% on 100% 8 years9 year termEquiTrust Life Market Booster 7.00% 5 1.25%mo 1.65% 100% First Year 2.00% on 87.5% 9 yearsSagicor Life Sage Select - 9 4.00% 1 4.00% 2.00% 100% First Year 3.00% on 87.5% 9 years10 year termAthene Annuity Performance Elite- 10 4.00% 2 4.50% 1.65% 100% First Year 1.00% on 87.5% 10 yearsGuggenheim Highlander 4.00% 2 4.25% 2.50% 100% First Year 1.00% on 100% 10 yearsProtective Life Protective Index Annuity II 0.00% 2 4.55% 2.10% 100% First Year 1.00% on 100% 10 yearsEquiTrust Life Market Value EIA 0.00% 7 20.00% 2.75% 100% First Year 2.00% on 87.5% 10 yearsAmerican National Strategy Plus - 10 1.00% 2 4.60% 2.60% 100% First Year 1.00% on 87.5% 10 yearsGreat American Life Safe Return 0.00% 1 5.00% 2.00% 100% For Term 1.00% on 100% 10 yearsNorth American Charter Plus - 10 7.00% for 7 yrs 4 1.40%mo 1.50% 100% First Year 1.00% on 87.5% 10 yearsEquiTrust Life DynaMARC 0.00% 7 No Cap 2.60% 100% First Year 1.00% on 100% 10 yearsEquiTrust Life Market 10 Bonus 6.00% for 5yrs 7 5.00% 2.00% 100% First Year 1.00% on 100% 10 years12 year termNorth American Performance 12 Plus 7.00% for 5yrs 2 3.75% 1.65% 100% For Term 1.00% on 87.5% 12 years14 year termNorth American Retire Choice - 14 3.00% for 5yrs 2 5.30% 6.00% 100% First Year 1.00% on 87.5% 14 yearsEquiTrust Life Market Power Bonus 12.00% 7 8.00% 1.50% 100% First Year 2.00% on 87.5% 14 yearsNorth American Charter Plus - 14 10.00% for 7 yrs 4 1.50% 1.65% 100% First Year 1.00% on 87.5% 14 yearsEquiTrust Life Market 12 Bonus 12.00% 7 6.00% 1.30% 100% First Year 2.00% on 87.5% 14 years

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..


3

(Lower Band Rates Shown)

American General

American National

Athene Annuity

Athene Annuity

AtheneAnnuity EquiTrust EquiTrust Great

American GuggenheimLincoln

Financial Group

North American Oxford Life Protective

Life

Lifetime Income

Plus

Strategy Plus

AscentIncome

RiderOption 1

Enhanced Benefit

Rider

AscentIncome

RiderOption 2

Income for Life

Strategic Income Option

Income Secure

Lifetime Withdrawal

Rider

LincolnLifetime Income

Edge

Income PayPlus GLWB Secure Pay

SE

Roll-up Rate in Accumulation Period

7.00% Simple for 10 years

7.20% 10 years or

4.20% plus interest for

10 years

15% income base bonus10% Simple

yrs 1-105% Simple yrs 11-20

7.00% simple years 1-10

5.00% simple years 11+

10% Income base bonus

8.00% Simpleyears 1-10

4% yrs 11-20Par rate=200%

6.00% for 10 years

(10% Bonus) 4.00% Plus

Stacking An-nually

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

6.00% for 10 years

6.75% annu-ally for fist ten policy

years

7.00% simple for 10 years

Interest Credited Annually Annually Annually Annually Annually Daily Annually Annually Annually Annually Annually Annually Annually

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

No No No1.5 x

withdrawal benefit

No No No No No

10% of Income Base

Annually Check State Availability

Yes(where

available)Yes No

Start Stop Option Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No

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

0.95% 0.90%0.60% 1.00% 1.40% 1.00% 0.75% 0.95% 0.95% 0.90% 0.95% 1.05% 0.95% 0.85%

Increasing Benefit Option Yes No Yes Yes Yes No No No No No Yes 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 1 Year and

Age 50 Age 50 2 Years and 50 year old

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

year old Age 50 1 Year and50 year old

1 Year and50 year old

immediately and 60 year

old

Rider Charge Refund No No No Ask about “True Up” No No No Yes No No No No No

Account Available at DeathNo No No Yes if taken

over 5 years No No No No No No No Yes No

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

State AvailabilityAll except: CT, IL, NJ,

MD, OR, VT, WA

All except: IL, IA, MD,

MA, NJ, NY, OR, PA

All except: CA, CT, HI, IL,

NY, WA

All except:AK, CT, DE, FL, HI, MN, NJ, NV, NY, OK, OR, PA,

UT, WA

All except: NJ, NY, WA

All except: NY

All except: MS, NH, NM,

NY, OR, VT

All except: NY, WA

All except: NY

All except: NY

All except: NY

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

CA for some products)

All except: WA, NY

Issue Ages50-75 40-80 40-80 30-80 40-80 See base

contract 0-80 40-85 45-80 35-85 50+ 55-85

Guarantee Income Rider (Living Benefit) Comparison

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

4

*Bonus Ascent Pro productsonly, othervariationsavailable

Inheritance Enhancer DEATH BENEFIT RIDERIssue age Rollup Rollup period Death Benefit payout options Fee50-85 9% simple interest 10 years Lump sum or annuitzation 0.85% of death benefit base, deducted from account value. Refund or

rider charges available in first 5 years. Rider charges refunded if theinsured dies during the first five years or the non-insured joint owner diesat any time.

American General

Athene Annuity

Athene Annuity

AtheneAnnuity

North American EquiTrust Life

AGE Lifetime*** Income Plus

GLWB**Enhanced

GLWB**

Enhanced Benefit Rider Income Edge Plus Income Pay

Plus1* Inc. for Life*

50-54 0.00% 3.50% 3.00% 3.50% 4.20% 3.25%55-59 0.00% 4.00% 3.50% 4.00% 4.20% 3.75%60-64 4.25% 4.50% 4.00% 4.50% 4.70% 4.25%65-69 5.00% 5.00% 4.50% 5.00% 5.20% 4.75%70-74 5.50% 5.50% 5.00% 5.25% 5.70% 5.25%75-79 6.00% 6.00% 5.50% 5.50% 6.20% 5.75%80-84 6.00% 6.50% 6.00% 6.00% 6.70% 6.25%85-89 6.00% 7.00% 6.50% 6.25% 6.70% 6.75%

90+ 6.00% 7.50% 7.00% 6.50% 6.70% 7.25%

Guarantee Income Rider Income Payout Percentage ComparisonGreat American

Income Sustainer**Income Sustainer Plus*American Custom - 10

AGE Single Lifetime Benefit

55 4.00%56 4.10%57 4.20%58 4.30%59 4.40%60 4.50%61 4.60%62 4.70%63 4.80%64 4.90%65 5.00%66 5.10%67 5.20%68 5.30%69 5.40%70 5.50%71 5.60%72 5.70%73 5.80%74 5.90%75 6.00%76 6.10%77 6.20%78 6.30%79 6.40%80 6.50%81 6.60%82 6.70%83 6.80%84 6.90%85 7.00%86 7.10%87 7.20%88 7.30%89 7.40%

90+ 7.50%

Lincoln Financial GroupLincoln Lifetime Income Edge

AGE Less than 5 years*

At least 5, but less than

10 years*

At least 10 years*

50-54 3.50% 4.25%1 4.75% 2

55-59 4.00% 4.75% 1 5.25% 2

60-64 4.50% 5.25% 1 5.75% 2

65-69 5.00% 5.75% 1 6.25% 2

70-74 5.50% 6.25% 1 6.75% 2

75-79 6.00% 6.75% 1 7.25% 2

80-84 6.50% 7.25% 1 7.75% 2

85-89 7.00% 7.75% 1 8.25% 2

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

* Joint life payout is 0.50% lower and based on the younger age. ** Joint life payout is 1.00% lower and based on the younger age. *** Joint life payout is 0.50% lower and based on the coverage age of spouses, rounded down. There is a minimum $50,000 contribution.1 0.25% lower for Opti-Point. 2 0.40% lower for Opti-Point.

Great American

Income percentage enhancement for Simple Income

Option

Contract year of benefit

start date

Additional percentage

added to income percentage from table to the left

1 0.50%2 0.40%3 0.30%4 0.20%5 0.10%

5

EquiTrust Life

Strategic Income Option

Age Single Lifetime Benefit

50-59 3.25%60-69 4.25%70-79 5.25%80-89 6.25%

90+ 7.25%

1. LPP increases .10 for each age from 61-80

Protective Life Secure Pay SE Guaranteed Maximum Withdrawal

Percentages

AGEOne

Covered Person

Two Covered Persons

60-64 4.50% 4.00% 65-69 5.00% 4.50% 70-74 5.50% 5.00% 75-79 6.00% 5.50% 80-84 6.50% 6.00%

85+ 7.00% 6.50%

INDEXED Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions

Surrender Charges

Issue Ages

MVAY=YesN=No

States Not Available

Bonus Gold

10% PremiumBonus on all 1st year premiums Minimum Guaranteed

Interest:Currently 1.00%

80% of 1st year pre-mium plus premium

bonus plus 87.5% ad-ditional premium, less withdrawal proceeds, at MGIR, compound-

ed annually.

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10% of Contract Value Annu-

ally, Starting Yr 2. Systematic W/D & RMD Immediately from Fixed Value.3

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

2, 0%)

DE - 17 year

18-80 Q and NQ

FL ONLY18-64 Q &

NQ

N

AK, CA, CT, DE, MN, MT, NJ, NV, NY,

OH, OK, OR, PA, SC, TX,

UT, WA

Retirement Gold

8% Premium Bonus on all 1st year premiums

IN ( 8% ages 18-73, 5% ages 74-78)

Minimum Guaranteed Interest:

Currently 1.00%

Minimum Guaranteed Surrender Value:

87.5% of premiums paid less withdrawal proceeds, at MGIR,

compounded annually

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000


ally, Starting Yr 2. Systematic W/D & RMD Immediately

from Fixed

10 years

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

8% bonus fully vested after year 14

18-78 Q and NQ N

AK, CA, CT, DE, FL, MN, NJ, NV, NY,

OH, OK, OR, PA, SC,

TX, UT, WA

Foundation Gold

7% Premium Bonus on all 1st year premiums Minimum Guaranteed

Interest: Currently 1.00%



compounded annually

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000


ally, Starting Yr 2. Cumulative

withdrawal options available. System-atic W/D & RMD Immediately from

Fixed Value.3

10 years

(9, 8.25, 7.25, 6.25, 5.25, 4.25, 3.25, 2.25,

1, 0.5, 0%)

18-80 Q and NQ N CA, NY

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (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

NEW

Cap PR Asset Fee PT

S&P 500® Annual Monthly Avg w/PR - 25% - -

S&P 500 Annual Monthly Avg w/Cap 2.25% - 0% -

S&P 500 Annual Pt to Pt w/PR - 15% - -

S&P 500 Annual Pt to Pt w/Cap 2.25% - 0% -

Dow Annual Monthly Avg w/Cap 2.25% - 0% -

Dow Annual Pt to Pt w/Cap 2.25% - 0% -

S&P 500 Monthly Pt to Pt w/Cap 1.20% - - -

10 Yr. U.S. Treasury Bond w/Cap 2.25% - 0% -

S&P 500 Performance Trigger - - - 2.00%

Bond Yield w/Cap 5.15% - 2.00% -

Volatility Control Index - - 3.75% -

Current Fixed Value Rate 1.15%, DE 2.25%

Cap PR Asset Fee PT


S&P 500 Annual Monthly Avg w/Cap 2.00% - - -


S&P 500 Annual Pt to Pt w/Cap 2.00% - - -

S&P 500 Monthly Pt to Pt w/Cap 1.00% - 0% -




Current Fixed Value Rate 1.00%

Cap PR Asset Fee PT


S&P 500 Annual Monthly Avg w/Cap 2.50% - - -




10 Yr. U.S. Treasury Bond w/Cap 2.50% - - -





Rates Effective as of 05-17-2018


Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Benefit Gold

A Guaranteed 5% Premium Bonus on all 1st year Premiums


Currently 1.00%



compounded annually

Minimum:$5,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000


ally, Starting Yr 2. Systematic W/D & RMD Immediately from Fixed Value.

10 years

(13.5, 12.25, 11, 9, 7.5, 8.25, 7, 6, 5, 4,

2.5, 1, 0%)

18-80 Q and NQ N

Only Available in:

AK, CT, MN, NJ, NV, OH, OK, OR, PA, TX, UT, WA

Choice Series

6 year, 8 year, and 10 year options

(Optional MVA Rider Avail-able)


Currently 1.00%

Minimum Guaranteed Surrender Value: 90% of premiums

paid, less withdrawal proceeds, at MGIR,

compounded annually

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000



9.20, 8.00, 7.00, 5.50, 4.00, 2.50, 0% (6 yrs.)

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% (10 yrs.)

Choice 618-85

Choice 818-85

Choice 1018-80 Q and

NQ

N NY

Advantage Gold


Currently 1.00%


84% of 1st year pre-mium plus premium

bonus plus 87.5% ad-ditional premium, less withdrawal proceeds, at MGIR, compound-

ed annually.

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000



10 years

(16, 15, 14, 13, 11.5, 10, 8.5, 7, 5.5, 4, 0%)

18-80 Q and NQ N

AK, CA, CT, DE, FL, MN, NJ, NV, NY,

OH, OK, OR, PA, TX, UT, WA

AMERICAN EQUITY IVESTMENT LIFE INSURANCE COMPANY (AEI)


NEW

NEW

7

NEW

Cap PR Spread PT

S&P 500® Annual Monthly Avg w/PR 2.00% - 0% -


S&P 500 Monthly Pt to Pt w/Cap 1.00% - 0% -


S&P 500 Monthly Avg w/PR - 25% - -


Bond Yield w/Cap & Spread 4.65% - 2.00% -




Choice 6 Cap PR Asset Fee PT


















Cap PR Asset Fee PT


S&P 500 Annual Monthly Avg w/Cap 2.00% - 0% -











Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


AG Power Protector - 7 Annuity

PREMIUMS UNDER $100,000Fixed account: 2.00%

Annual Pt - to - Pt Cap: 4.75%Annual Pt - to - Pt Spread: 1.95%

PIMCO 2yr Pt-to-Pt Spread: 3.95%2 yr Pt - to- Pt Spread: 0.00%

PREMIUMS OVER $100,000Fixed account: 2.00%



1.00% on 87.5%

of premium

$25,000Q & NQ

Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclo-

sure Statement for more info. No Guaranteed Living Benefit Rider is available.

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

0-85Q & NQ Y NY

AG Power Protector - 7 Plus Annuity







1.00% on 87.5%

of premium

$25,000Q & NQ

Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclo-

sure Statement for more info. Guaranteed Living Benefit Rider is available.

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

0-80Q & NQ Y NY, WA

AG Power Protector - 10 Annuity







1.00% on 87.5%

of premium

$25,000Q & NQ

Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. Easy access to your money in

times of need or illness: The withdrawal charge and MVA may be waived if you: Are diag-nosed with a terminal illness, Have extended care needs, Are confined to a nursing home

or an assisted living facility. Restrictions and limitations apply. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and

Disclosure Statement for more info.

No Guaranteed Living Beneit Rider is available.

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

0-75Q & NQ Y NY

AG Power Protector - 10 Plus Annuity







1.00% on 87.5%

of premium

$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 Rev-

enue 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 ap-ply 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 Withdrawals 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.

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

0-75Q & NQ Y NY, WA

AMERICAN GENERAL LIFE COMPANIES (AGLC)


NEW

NEW

8



Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Performance Elite 10Premium Bonus: 6.00%

PLUS premium Bonus: 12.00%

OH - 10.00%

1.00% on 87.5% of premium

Single pre-mium only

Minimum:$10,000, ($5,000 in

CT, MN, NJ, OR, PA, TX,

WA)

Maxiumum:$1,000,000

5% free withdrawals starting in year 2.

Elite PLUS = growth + liquidity: Enhanced premium bonus, up to 10% free withdrawals, available immediately! Up to 20% free if no

withdrawals are taken in the prior year. Return of Premium Benefit available after the fourth

contract year. 0.95% charges from accumulated value during rider charge period.

Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA or MA) are included.

Death Benefit: Greatest of (i) Accumulated Value with no surrender charges, (ii) the Minimum

Guaranteed Contract Value or (iii) the Return of Premium Benefit (if applicable).

10 Years(12,12,12,

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

0-78 most states

Call for other states

Y

(N/A in MD,MN, MO,PA,

WA)

MD, MN, MT, NY, NJ, OR,

PA, WA

Performance Elite 10 SelectPremium Bonus: 4.00%

PLUS premium Bonus: 9.00%

OH - 7.00%



Minimum:$10,000, ($5,000 in

CT, MN, NJ, OR, PA, TX,

WA)

Maxiumum:$1,000,000








10 Years(8.3, 8, 7.1, 6.2, 5.3, 4.4, 3.5, 2.6, 1.6,

0.9)

53-78 (AK, SC, DE, MN, OH, PA, UT,

WA)

56-78(NV,NJ, OK, TX)

Y


WA)

Only avail in:

AK, SC, DE, MN, OH, NV, NJ, OK, TX, PA, UT, WA

Performance Elite 10 ProPremium Bonus: 4.00%

PLUS premium Bonus:10.00%


$10,000









10 Years(10, 10, 10,

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

65-78 (FL)

0-78 (MD)

Y


WA)

Only avail in:

FL, MD

Performance Elite 15Premium Bonus: 9.00%

PLUS premium Bonus:15.00%

IN - 14.00%OH - 13.00%


$10,000


($5,000 inTX)








15 Years(15, 15, 14,

14, 13, 13, 12, 11, 10, 9, 8, 7,

6, 5, 4)

0-73 Most states

Call for other states

Y


WA)

WA, OR, UT, NY, PA, CT, MN, MT, NJ,

OR

ATHENE ANNUITY & LIFE ASSURANCE COMPANY (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

Athene Performance Elite 10 10 Plus

Annual Rider Charge Rate - 0.95%

2-year No Cap Point-to-Point Index Strategy1 (Participation Rate) — BNP Paribas Multi Asset 5 Index 120%

2-year No Cap Point-to-Point Janus SG Market Consensus Index Participation Rate 80%

1-year Point-to-Point Index Strategy (Cap) — S&P 500® 4.50%

1-year Monthly Cap Index Strategy (Cap) — S&P 500® 1.75%

Fixed Account with 1-Year Guarantee 1.65%

Withdrawal Charge Duration 10 Years

Athene Performance Elite 10 Select 10 Select Plus








Athene Performance Elite 10 10 Pro








Athene Performance Elite 15 15 Plus










Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Performance Elite 7

PLUS Premium Bonus (Most states): 6.00% 1.00% on 87.5% of premium

Minimum$10,000

($25,000 in TX)

Maximum$1,000,000

10% free withdrawals starting in year 1

Elite Plus = growth + liquidity: Enhanced premium bonus, up to 10% free withdraw-

als, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Premium Benefit

available after fourth contract year. 0.95% charges from accumulated value during

rider charge period.

Terminal Illness Waiver Confinement waiver are included.

Death Benefit: Greatest of (i) Accumu-lated Value with no surrender charges, (ii) the Minimum Guranteed Contract Value or (iii) the Return of Premium Benefit (if

applicable)

7 Years9% (year 1)

8.8% (year 2)7.9% (year3)6.9% (year 4)5.9% (year 5)5% (year 6)4% (year 7)

0-83 Yes NY, DE

Athene Ascent Pro 10

If at the end of your withdrawal charge period, the total interest credited to your Accumulated

Value is less than the Minimum Interest Credit, you will automati-cally receive a one-time interest

credit equal to the difference. The Minimum Interest Credit is based upon a percentage of your Initial Premium less withdrawals and

charges.

Single Pre-mium Only

$5,000

10% free withdrawals per year

Bailout feature!

Terminal Illness Waiver (not in CA)

Confinement Waiver (Not in CA or MA)

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

4,3,2,1) 0-80

Yes

(No MVA in AK, HI, MN, MO, NJ, PA,

UT, WA)

NY

Athene Ascent 10 Bo-nus 2.0Premium Bonus: 3%



credit equal to the difference. The Minimum Interest Credit is based upon a percentage of your Initial Premium less withdrawals and

charges.

Single Pre-mium Only

$10,000

(Ascent Pro 10 Bonus

Select:$5,000 - AK, CT, HI, MN, NJ, OR, PA, TX, UT, WA)

10% free withdrawals per year

Bailout feature!

Terminal Illness Waiver (not in CA)

Confinement Waiver (Not in CA or MA)

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

0-80

0-64 in FL

0-74 in IN

Yes

(No MVA in AK, HI, MN, MO, NJ, PA,

UT, WA)

AK, CT, DE, HI, OH, OK, MN,

NV, NJ, NY, PA, SC, OR, TX,

UT, WA

Ascent Pro 10Bonus SelectPremium Bonus: 3%(ask about vesting schedule)

10 Years(8.3, 8, 7.1, 6.2, 5.3, 4.4, 3.5, 2.6,

1.6, 0.9)

0-80

53-78 in OR

ONLYAVAILABLE

in:AK, CT, DE, HI,

MN, NJ, NV, OH, OK, OR, PA, SC, TX,

UT, WA

Ascent Pro 10 BonusPremium Bonus: 3%(ask about vesting schedule)

10 Years(10,10,10,10,9,

8,7,6,5,4) 65-80ONLY

AVAILABLEin: FL



10

NEW

NEW

NEW

NEW

Athene Performance Elite 7

Annual Rider Charge Rate 0.95%

2-year No Cap Point-to-Point Index Strat-egy (Participation Rate) BNP - Paribas Multi Asset Index 5

135%


1 Year Point-to-Point Index Strategy (Cap) S&P 500 5.00%




2-year No Cap PTP - BNP (Par Rate) 85%

1-year No Cap PTP - BNP (Par Rate) 55%

2-year No Cap PTP - Morningstar (Par Rate) 70%

1-year No Cap PTP - Morningstar (Par Rate) 45%

1-year PTP - S&P 500 (Cap) 3.00%

1-Year Monthly Cap - S&P 500 (Cap) 1.40%

2-year No Cap PTP - Janus SG Market Consensus Index (ParRate) 60%

1-year No Cap PTP - Janus SG Market Consensus Index (ParRate) 30%

1-year No Cap PTP S&P (Vol Control) (Par) 50%

Bailout Cap Rate 1.00%


2-year No Cap Point-to-Point Index Strategy (Participation Rate) — BNP Paribas Multi Asset 5 Index (Not available in NH, NV

75%

2-year No Cap Point-to-Point Index Strat-egy (Participation Rate) — Morningstar®

Dividend Yield Focus Target Volatility 5 IndexSM Not available in NH & NV.

55%

2-year No Cap Point-to-Point Index Strategy (Participation Rate) — Janus SG Market Consensus Index

60%


Bailout Cap Rate 1.00%


Fixed Account with 1-Year Guarantee 1.05%NEW



Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Athene Agility



credit equal to the difference. The minimum interest credit equal

to the difference. The Minimum interest credit is based upon a percentage of your initial

premium less withdrawals and charges.

Minimum$10,000

($5,000 in AK, HI, MN, MO, NJ, PA, TX, UT and

WA))

Maximum$1,000,000

Maximum of 10% of Accumulated Value or 10% of Initial Premium per year, With-drawals may be subject to federal and

state income tax and except under certain circumstances, will be subject to an IRS

penalty if taken prior to age 59 1/2.

You can withdraw up to 100% of your annuity’s Accumulated Value if the

Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one-year and you meet the eligibil-ity requirements. This waiver is available after your first Contract Anniversary. You

may not be diagnosed during the first Contract year. Additional limitations state

variations and exclusions may apply. Please see the Certificate of Disclosure

for more information.

10 Years(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 Yes NY


11

NEW

2-year No Cap PTP BNP (Part Rate) 130%

1-year No Cap PTP BNP (Part Rate) 90%

2-year No Cap PTP Morningstar (Part Rate) 70%

1-year No Cap PTP Morningstar (Part Rate) 60%

2-year PTP - S&P 500 (Cap) 8.50%

1-year PTP - S&P 500 (Cap) 4.25%

2-year PTP - S&P 500 Bailout Cap Rate 2.00%

2-year No Cap PTP - Janus SG Market Consensus Index (Par Rate) 85%

1-year No Cap PTP - Janus SG Market Consensus Index (Par Rate) 50%




Guaranteed Interest

Minimum Premium

Withdrawal Provisions Surrender Charges Issue

Ages

MVAY=YesN=No


MarketTen Bonus Index(6.00% Premium Bonus on premiums paid in years 1-5)

Income Rider (IBR) Info >

1.00% on 100% of premium

Minimum$10,000 NQ

$5,000 Q

$2,000 Additional Maximum$1 Million

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.

Return of Premium Guarantee. This rider is auto included on all contracts at no charge, subject to state availability.

Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr interest 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.

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

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

(9 Years: CA Only:8.3, 7.4, 6.5, 5.6, 4.7,

3.8, 2.9, 1.9, 0.9)

0-80Q&NQ

Y

(CA: No) NY

MarketValue Index

Income Rider (IBR) Info >2.00% on 87.5% of premium

$10,000 Q-NQ$2,000

Renewal

10% free withfrawals after year 1. Nursing home wavier. Monthly interest option. Death Benefit equals full accumulation value. Can annuitize after yr 5 for minimum 5 year or longer. Guaranteed Income Life rider not available in FL, IL, MN, NY & WA.

10 years(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)

(TX 9,8,7,6.5,5.5,4.5,3.5,

2.5,1.5,.5)

0-80Q & NQ (CA: No) NY

MarcSevenIndex Annuity

Income Rider (IBR) Info >1.00% on 87.5% of premium

$10,000 Q&NQ

By current company practice, systematic withdrawals of interest are allowed in the first year from the 1-Year Interest Account without charges.

After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Surrender Charge

or MVA, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals

are available monthly, quarterly, semiannually or annually, and must be taken EFT.

Upon death of Owner, Accumulation Value.

Chronic Illness Doubler

7 Years(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)

40-80Q&NQ

(CA & DE: No) NY, OR

MarketPower Bonus Index(12.00%Premium Bonus -Vested Day -1)

Income Rider (IBR) Info >


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

Additional

Maximum$1 Million

10% of accum. value after yr 1. Nursing home wavier. Monthly interest option. Death equals full accumulation value. Can annuitize after yr 5 for minimum 10 year or

longer. Guaranteed Income Life rider not available in FL, IL, MN, NY & WA.

14 years(20,20,19,19,18,17,16,

14,12,10,8,6,4,2,0)

10 years in the following states: AK, CT, IL, MN, MT, NJ, NV,

OH, OK, OR, PA, TX, UT, VT, WA)

(19,17,15,13,11,10,8,64,2)

0-75Q & NQ Y CA, DE, NY,

EQUITRUST LIFE INSURANCE COMPANY (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

12


W/O IBR W/ IBR1 Year Interest 2.00% 1.90%1 Year Point-to-Point Cap 5.00% 3.75%1 Year Monthly Avg Cap 6.00% 3.75%1 Year Monthly Avg Par 60.00% 45.00%1 Year Monthly Cap 1.30% 1.00%2 Year Monthly Avg Part 8.00% 6.00%

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 2.75% 2.20%1 Year Point-to-Point Cap 6.00% 4.75%1 Year Point-to-Point Part 55.00% 2.75%1 Year Monthly Avg Cap 7.00% 5.50%1 Year Monthly Avg Par 100.00% 60.00%1 Year Monthly Cap 1.90% 1.60%2 Year Monthly Avg Cap 20.00% 15.00%1 Year Pt-to-Pt Part (Dynamo) 80.00% 75.00%

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 3.00% 2.25%1 Year Point-to-Point Cap 6.00% 5.00%1 Year Point-to-Point Part 45.00% 38.00%1 Year Monthly Avg Cap 7.00% 5.00%1 Year Monthly Avg Par 70.00% 60.00%1 Year Monthly Cap 1.75% 1.50%2 Year Monthly Avg Cap 15.00% 12.00%1 Year Pt-to-Pt Part (Dynamo) 90.00% 75.00%

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 1.50% 1.00%1 Year Point-to-Point Cap 3.00% 2.00%1 Year Monthly Avg Cap 3.50% 2.75%1 Year Monthly Avg Par 50.00% 30.00%1 Year Monthly Cap 1.20% 1.00%2 Year Monthly Avg Part 8.00% 6.00%

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




Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No

States Not

Available

Choice Accumulation II

1.00% to 87.5% of Premium

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 fluctuation 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.

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

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

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

0-80 Y NY

ChoiceIncome II


Minimum $25,000

Maximum$1,000,000

A Market Value Adjustment refers to the potential fluctuation 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 determin-ing the following after the withdrawal charge period when greater than the

contract value.

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

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

45-85 N 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 An-nual 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).

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

55-80 N NY

GLOBAL ATLANTIC FINANCIAL GROUP (FTA)

5 Yr 7 Yr 10 YrMSCI EAFE One-Year P-t-P with Cap 5.10% 5.25% 5.50%MSCI EAFE One-Year P-t-P Bailout Rate 3.00% 3.00% 3.00%S&P 500 One-Year P-t-P with Cap 5.65% 5.85% 5.95%S&P 500 One-Year P-t-P with Monthly Cap 1.80% 1.90% 2.00%PIMCO Balance Index One-Year P-t-P with Participation Rate 100% 105% 110%BlackRock Diversa Volatility Control Two Year P-t-P with Spread 0.75% 0.70% 0.65%Franklin US Index Two Year P-t-P with Spread 0.75% 0.70% 0.65%Fixed Rate 2.75% 2.85% 2.95%

7 Yr 10 Yr 7 Yr 10 YrMSCI EAFE One-Year P-t-P with Cap 3.50% 3.75% 3.50% 3.75%MSCI EAFE One-Year P-t-P Bailout Rate 3.00% 3.00% 3.00% 3.00%S&P 500 One-Year P-t-P with Performance Trigger 3.25% 3.50% 3.25% 3.50%S&P 500 One-Year P-t-P with Monthly Cap 1.35% 1.45% 1.35% 1.45%PIMCO Balance Index One-Year P-t-P with Participation Rate 85% 90% 85% 90%BlackRock Diversa Volatility Control Two Year P-t-P with Spread 2.00% 1.50% 2.00% 1.50%Franklin US Index Two Year P-t-P with Spread 2.00% 1.50% 2.00% 1.50%Fixed Rate 1.90% 2.00% 1.90% 2.00%

Guaranteed IncomeBuilder Benefit

Withdrawal ChargeSchedule

Income Multiplier Benefit Withdrawal

ChargeSchedule

5 Yr 7 Yr 10 YrMSCI EAFE One-Year P-t-P with Cap 3.00% 3.00% 3.00%MSCI EAFE One-Year P-t-P Bailout Rate 3.00% 3.00% 3.00%S&P 500 One-Year P-t-P with Cap 3.25% 3.00% 3.00%S&P 500 One-Year P-t-P with Monthly Cap 1.25% 1.20% 1.20%PIMCO Balance Index One-Year P-t-P with Participation Rate 75% 65% 65%BlackRock Diversa Volatility Control Two Year P-t-P with Spread 3.00% 4.50% 4.50%Franklin US Index Two Year P-t-P with Spread 3.00% 4.50% 4.50%Fixed Rate 1.75% 1.50% 1.50%

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.

13

NEW

NEW

NEW



Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No

States Not

Available

American NationalStrategy Plus - 10(1.00% Premium Bonus)


NAIC States1.75%

NQ & Q $10,000

Free 10% withdrawal after year 1. Confinement waiver: Surrender charges may be waived when the contract owner is confined to a licensed hospital,

licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 60 or more days. This special waiver of surrender charge is available to you beginning 90 days after issue. Disability waiver: Prior to age 65, surrender charges may be waived when the contract owner is physically disabled, or diagnosed with a disabling terminal illness. This special waiver of surrender charge is available to you after issue. Ter-minal Illness Waiver: Surrender charges may be waived when the contract

owner is diagnosed with an injury or illness expected to result in death within 12 months. This special waiver of surrender charges is available to you after

issue. Death Benefit: At the death of the owner, the greater of the Annuity Value or the Surrender Value will be paid.

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

0-80Q&NQ

Y

(No MVAin AK,FL, MO,WA)

NY

American NationalStrategy Plus - 7(1.00% Premium Bonus) 7 Years

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

Y

(No MVAin FL,WA)

IA, NY, OR


14

AMERICAN NATIONAL INSURANCE COMPANY (ANL)

10-Year 7-Year1-Yr Specified Rate 4.50% 4.00%1-Yr Point-to-Point Method:100% Participation Cap 5.50% 5.25%50% Participation Cap 6.75% 6.00%Lifetime Income Rider Fixed Rate 7.20% 7.20%Rider Premium Charge 0.90% 0.90%Lifetime Income Rider (Indexed Credit + Fixed Rate)Fixed Rate + Indexed Credit 4.20% + Indexed CreditAccumulation Period 10 Yr 10 YrRider Premium Charge 0.60% 0.60%Declared Rate 2.60% 2.45%1-Yr Monthly Sum: Cap 1.55% 1.45%


GREAT AMERICAN LIFE INSURANCE COMPANY (GAA)INDEXED Current

InterestGuaranteed

InterestMinimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


American Legend III Annuity

Declared rate - 2.85%

1.25% on 100% of Premium

NQ & Q $10,000

Additional Deposits$2,000 Q & NQ

During the 1st contract yr, you may withdraw up to 10% of the Pur-chase Payment. After the first contract year, you may withdraw annually up to 10% of annuity’s Account Value (based on prior Contract Anniver-sary), without incurring early withdrawal changes. ($500 min; Account Value must exceed $5,000) Full Account Value at Death. **See below!

Extended care waiver rider: After the first contract year, if you are confined to a nursing home or long-term care facility for at least 90

consecutive days, early withdrawal charges will be waived on withdraw-als up to a full surrender. There is no additional charge for this rider. Terminal illness waiver rider: After the first contract year, if you are diagnosed by a physican as having a terminal illness (prognosis of

survival is 12 months or less, or a longer period as required by state law), you have the option to withdraw up to 100% of the account value

without incurring an early withdrawal charge. There is no additional charge for this rider.

7 Years <ages 58-85>(9,8,7,6,5,4,3)

18-85-Q0-85-NQ N NY

S&P 500 Risk Control Annual Point to Point with Participation Rate - 60%

S&P 500 1 Year Annual Point to Pointwith Cap - 5.60%

S&P Monthly Sum with Cap - 2.25%

iShares U.S. Real EstateAnnual Point-to-Point with Cap - 7.00%

GLD Annual Point-to-Point with Cap - 6.50%

S&P U.S. Retiree SpendingAnnual Point-to-Point with Par. Rate - 65%

American Safe Return Annuity

Declared Rate: 2.00%


NQ & Q $25,000

During the 1st contract yr, you may withdraw up to 10% of the Purchase Payment. After the first contract year, you may withdraw

annually up to 10% of annuity’s Account Value (based on prior Contract Anniversary), without incurring early withdrawal changes. ($500 min;

Account Value must exceed $5,000) Full Account Value at Death. L-T-C rider & Terminal illness rider. Annuitization for account value -used

for income payout periods of 10 years of life at any time during 10-yr period. ESP program - Fixed dollar, life distributions, RMDs, 72(t) and

72(t) and 72 (q) available. Return of Premium guarantee is available at no charge.**See below!

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

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

S&P 500 Risk Control Annual Point-to-Point with Par. Rate

50%25% Bailout Rate

S&P 500 Annual Point-to-Point with Cap 5.00%3.00% Bailout Cap

AmericanLandmark 5

Declared Rate:>$100,000: 3.00%, <$100,000: 2.85%

1.25% on 87.5% of Premium

Minimum $10,000

Maximum$1,000,000

During the 1st contract yr, 10% of purchase payments may be withdrawn without an early withdrawal charge. After 1st contract ann, 10% of acct value as of the most recent contract anniversary may be

withdrawn without an early withdrawal charge.

A market value adjustment will apply to withdrawals or surrenders dur-ing the five-year term.

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

18-89-Q0-89-NQ

Y

(No MVA Available in AK, CA, PA, UT and VA)

NY

S&P 500 Risk Control Annual Point to Point with Participation Rate

>$100,000: 65%, <$100,000: 60%

S&P U.S. Retiree Spending Annual Point to Point with Participation Rate

>$100,000: 70%, <$100,000: 65%

S&P 500 Annual Point to Point with Cap>$100,000: 6.05%, <$100,000: 6.80%

GREAT AMERICAN LIFE INSURANCE COMPANY (GAA)

GREAT

NEW



Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


AmericanCustom-10

Declared Rate:>$150,000: 1.90%, <$150,000: 1.75%

S&P 500 Risk Control Annual Point-to-Pointwith Participation Rate

>$150,000: 55%, <$150,000: 50%S&P 500 Annual Point-to-Point with Cap

>$150,000: 5.00%, <$150,000: 4.50%GLD Annual Point-to-Point with Cap>$150,000: 5.75%, <$150,000: 5.50%


NQ & Q $25,000

Max:1 million

issue ages 0-75

$750,000issue ages

76-80

$500,000Issue ages

81+

Tax qualifications: NQ and Inherited NQ. Q: 403(b) TSA (traditional and Roth), IRA (traditional, Roth, SEP, SIMPLE and Inherited), and 457(b). Waiver riders: Extended Care - 100% account value when criteria met. Terminal Illness - 100% account value when criteria met. Optional riders: Only one rider may be selected and must be added at issue. Cumulative-Free-Withdrawal Option - up to 25% (20% carryover plus 5% annual free withdrawal) Simple Income Option - 10% rollup for 10 years. Stacked

Income Option - 5% rollup for 10 years plus 100% of interest credited to the AV for the life of the contract. Free withdrawal allowance: During first contract year, 5% of purchase payment. After first

contract anniversary, 5% of the sum of the account value as of the most recent contract anniversary. Annitization for account value: greater of account value or GMSV used for all annuitizations. A fixed period of less than 10 years is available only as a death benefit settlement option. Loans: Available 403(b), governmental 457(b) Minimum loan: $1,000. Death Benefit: Greater of the account value or

GMSV. Cumulative Free Withdrawal Option: This rider allows clients to carry over any unused portion of their contracts annual free withdrawal percentage, up to a maximum of 25%. (20% maximum

carryover plus the contract’s 5% annual free withdrawal) Rider issue ages: 18-85 Q; 0-85 NQ. This is an optional rider that must be added at issue and is available for a charge that is currently 0.25% of the AV. The charge is guaranteed not to change after issue and will be taken as withdrawals from

the account value at the end of each contract year during the 10-year early withdrawal charge period. Not available in all states. Simple Income Option: Call us for details! Stacked Income Option: Call us for details! Extended Care Waiver: Call for details! Terminal Illness waiver: Call for details! Minimum

Withdrawals: $500; Minimum account value following withdrawal: $5,000.

10 Years (9.5,8.75,7.75,6.75,5.75,4.75,

3.75,3,2,1)

18-85-Q

0-85-NQ

18-75 Inherited

IRA

0-75Inherited

NQ

Y NYNO MVA: Available in AK, CA, IN, MN, MO, OH, PA, TX, UT, VA

Declared Rate:>$150,000: 1.90%, <$150,000: 1.70%



>$150,000: 4.80%, <$150,000: 4.40%GLD Annual Point-to-Point with Cap>$150,000: 5.50%, <$150,000: 5.25%


NEW

*Only one rider may be selected and selected rider must be added at time of contract issue.

Simple Income OptionSM

R6047014NWStacked Income OptionSM

R6046914NWCumulative Free-Withdrawal OptionR6046814NW

Issue age 40-85 40-85 18-85 Q; 0-85 NQ

Income base growth Rollup credits Rollup credits + 100% of account value interest N/A

Rollup credit 9% 5% N/A

Maximum rollup period 10 years 10 years N/A

Current Rider charge 0.95% of income base, deducted from account value. Subject to change upon reset.

1.25% of income base, deducted from account value. Subject to change at our discretion.

0.25% of account value, deducted from account value. Guar-anteed not to change after issue. Charges end after 10 years. Client cannot cancel rider.

Resets Starting first contract anniversary N/A – Income base will never be less than the account value.

N/A

Increasing income percentages 0.09% each year clients wait to start income payments Same as Simple Income Option N/A

Enhanced income percentage Available during first five contract years N/A N/A

Income payments Available immediately (age 55+) Available five years after rider effective date (age 55+) N/A

Refund of rider charges available upon death Yes, if income payments haven’t started Same as Simple Income Option N/A

Maximum penalty-free withdrawal N/A N/A 25% (20% maximum carryover, plus5% annual free withdrawal)

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• Additional purchase payments accepted during first two contract months• Competitive earning potential with participation rates up to 70%• S&P 500 indexed strategy offers caps up to 5.25%• During first contract year, penalty-free withdrawal of 10% of purchase payment• 10% penalty-free withdrawals of account value after year one• 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!

15



Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


AmericanLegend - 7

Declared Rate:>$100,000: 3.00%, <$100,000: 2.90%



>$100,000: 6.15%, <$100,000: 5.90%GLD Annual Point-to-Point with Cap>$100,000: 7.25%, <$100,000: 7.00% 1.00% on

87.5% of Premium

NQ & Q $10,000

Max:1 million

issue ages 0-75

$750,000issue ages

76-80

$500,000Issue ages

81+

During this first contract year. 10% of purchase payments may be withdrawn without an early with-drawal charge or market value adjustment. After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge or market

value adjustment.

A market value adjustment will apply to withdrawals or surrenders during the seven-year term.

The surrender value equals the greater of the account value less any early withdrawal charges or the guaranteed minimum surrender value.

7 Years (9,8,7,

6,5,4,3)

NQ0-85

Inherited NQ0-75

Inherited IRA0-75

Qualified0-85

Y IA, NY, PA, WYNO MVA: Available in AK, CA, UT and VADeclared Rate:

>$100,000: 2.90%, <$100,000: 2.80%S&P 500 Risk Control Annual Point-to-Point

with Participation Rate>$100,000: 60%, <$100,000: 55%

S&P 500 Annual Point-to-Point with Cap>$100,000: 5.90%, <$100,000: 5.80%GLD Annual Point-to-Point with Cap>$100,000: 6.75%, <$100,000: 6.50%

Premier Bonus

5.75% Bo-nus!

Declared Rate:>$150,000: 1.80%, <$150,000: 1.65%


>$150,000: 35%, <$150,000: 35%S&P U.S. Retiree Spending Annual Point-to-Point

with Participation>$150,000: 40%, <$150,000: 35%

S&P 500 Annual Point-to-Point with Cap>$150,000: 3.25%, <$150,000: 3.00% 1.00% on

87.5% of Premium

NQ & Q $10,000

Sub: $2,000

Max:1 million

issue ages 0-75

$750,000issue ages

76-80

$500,000Issue ages

81+

5.75% purchase payment bonus; added to account value immediatelybut not fully vested until the seventh contract anniversary.

During the first contract year, 10% of purchase payments may be withdrawn without anearly withdrawal charge.

After the first contract year, 10% of the account value as of the most recent contractanniversary may be withdrawn without an early withdrawal charge.

A market value adjustment will apply to withdrawals or surrenders during the sevenyearterm.

The surrender value equals the greater of the account value less any early withdrawalcharges and any non-vested bonus amount, plus or minus applicable MVAs, or the

guaranteed minimum surrender value.

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

NQ0-85

InheritedNQ0-75

InheritedIRA0-75

Qualified0-85

YDE, IA, MN,

NY, OR, PA, VT, VA, WA

NO MVA: Available in AK, CA, and UTDeclared Rate:

>$150,000: 1.70%, <$150,000: 1.55%S&P 500 Risk Control Annual Point-to-Point

with Participation Rate>$150,000: 35%, <$150,000: 30%

S&P U.S. Retiree Spending Annual Point-to-Point with Participation

>$150,000: 35%, <$150,000: 30%GLD Annual Point-to-Point with Cap>$150,000: 2.85%, <$150,000: 2.75%

Premier In-come Bonus

Declared Rate:>$150,000: 2.25%, <$150,000: 2.00%


>$150,000: 50%, <$150,000: 45%S&P U.S. Retiree Spending Annual Point-to-

Point with Participation Rate>$150,000: 50%, <$150,000: 45%

S&P 500 Annual Point-to-Point with Cap>$150,000: 5.00%, <$150,000: 4.00% 1.00% on

87.5% of Premium

NQ & Q$10,000

Sub.: $2,000

Max:1 million

issue ages0-75

$750,000issue ages

76-80

$500,000Issue ages

81+

Built-in income rider offers 8% rider bonus, 8% rollup credits and 10-yearrollup period.

During this first contract year. 10% of purchase payments may be withdrawn without anearly withdrawal charge or market value adjustment. After the first contract year, 10% of the

account value as of the most recent contract anniversary may be withdrawn without anearly withdrawal charge or market value adjustment.

A market value adjustment will apply to withdrawals or surrenders during the seven-yearterm.

The surrender value equals the greater of the account value less any early withdrawalcharges or the guaranteed minimum surrender value.

Waivers:Terminal Illness WaiverExtended Care Waiver

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

NQ & Q40-85 Y

DE, IA, MN,NY, OR, VT,

VA, WANO MVA: Available in AK, CA, and UT

Declared Rate:>$150,000: 2.15%, <$150,000: 1.90%

S&P 500 Risk Control Annual Point-to-Point with Participation Rate

>$150,000: 45%, <$150,000: 40%S&P U.S. Retiree Spending Annual Point-to-

Point with Participation Rate>$150,000: 45%, <$150,000: 45%

GLD Annual Point-to-Point with Cap>$150,000: 4.00%, <$150,000: 3.00%


NEW

16


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.


Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No


Highlander FIA

4%PremiumBonus!

Strategies Duration Rate

Minimum Guar-anteed Contract Value (MGVC) is equal to 87.5% of premium less withdrawals, ac-cumulated at the minimum guaran-teed interest rate

Minimum Quali-fied

$5,000

MinimumNQ

$10,000

$500,000Maximum

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 be-come 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 physician, 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

123456789

1011+

Most States

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 NY

Fixed 1 Year Fixed 2.50%

S&PMARC 5

1 YearPoint-to-Point with

Participation95%

S&P 5001 Year

Point-to-Point with Annual Cap

4.25%

S&P 5001 Year

Point-to-Point with Participation

35%

Highlander 7 FIA Strategies Duration Rate

Minimum Guar-anteed Contract Value (MGVC) is equal to 87.5% of premium less

withdrawals, accumulated at

the Nonforfeiture Interest Rate

Minimum Quali-fied

$5,000

MinimumNQ

$10,000

Additional $500 Minimum (1st contract year

only)

$1,000,000Maximum

10% Annual Free WithdrawalA single, penalty-free withrawal up to 10% of the account value may be taken be-ginning in the second contract year. Surrender charges and market value adjust-ment 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 CareThe 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 IllnessIf the owner is diagnosed with a critical illness (heart attack, stroke, life threaten-ing 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

All States

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

0-80 Y CA, NY

Fixed 1 Year Fixed 3.00%

S&PMARC 5

1 YearPoint-to-Point with

Participation120%

S&P 5001 Year

Point-to-Point with Annual Cap

5.50%

S&P 5001 Year

Point-to-Point with Participation

50%

GUGGENHEIM LIFE & ANNUITY COMPANY (GLA) Rates Effective as of 1-1-2019

17


Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


LincolnOptiPoint - 8

<$100k - 3.00% (yrs 1-3)>$100k - 3.00% (yrs 1-3)

Under $100,000Fixed Account: 1.90%

Perf Triggered Rate: 3.15%2 Yr Pt-to-Pt Cap: 8.25%2Yr Monthly Cap: 2.40%

Over $100,000Fixed Acct: 1.90%

Perf Triggered Rate: 3.15%2-Yr Pt to Pt Cap: 8.25%2-Yr Monthly Cap: 2.40%

1.00%

$10,000-Q$10,000-NQAdditional Deposits

$50 Month(Limit $25,000

per year)

Annuitization allowed after 5th yr. Contracts issued on 1st, 8th, 15th & 22nd. 10% free withdrawals even in yr 1.Fixed account: Amounts can be allocated into or out of the Fixed Account dur-ing the 25-day reallocation period, after each contract anniversary date. Indexed accounts: At the end of the indexed term, amounts can be allocated into or out of the available indexed accounts during the 25-day reallocation period, after the contract ann date. The reallocation will be effective as of the contract anniversary date. The amt of the contract value available for realloca-tion on a contract anniversay equals: The fixed acct value + the sum of the indexed acct values for those indexed accts with indexed terms ending on the contract anniversary.Nursing home and terminal illness benefits: allows access to contract value w/o surr charge or MVA if certain conditions are met. Please see the Disclosure statement for necessary criteria and conditions. Subject to state availability. Beginning in the first contract year without incurring charges. Death benefit: upon death of a contractowner, beneficiaries may receive the greater of the contract value or single premium paid minus any prior surrs and surr charges, accum at the guaranteed min fixed interest rate. Acct guarantees: Guaranteed min fixed interest rate is set at issue for the surr charge period and varies annually there after ranging between 1.00% and 3.00%. Performance triggered Indexed Acct: Guaranteed min specificed rate: 2.50%. 2-Year Point-to-Point Indexed Acct: Guaranteed minimum indexed interest cap: 7.00%. 2-year Monthly cap Indexed acct: Guaranteed min monthly indexed cap: 1.00%

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

0-85Q&NQ Y AK, MN, NY,

OR, UT

LincolnOptiPoint - 10

<$100k - 4.00% (yrs 1-4)>$100k - 4.00% (yrs 1-4)

Under $100,000Fixed Account: 1.90%

Perf Triggered Rate: 3.15%2 Yr Pt-to-Pt Cap: 8.25%2yr Monthly Cap: 2.60%

Over $100,000Fixed Acct: 1.90%

Perf Triggered Rate: 3.15%2-Yr Pt to Pt Cap: 8.25%2-Yr Monthly Cap: 2.40%

1.00%

$10,000-Q$10,000-NQAdditional Deposits

$50 Month(Limit $25,000

per year)

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

0-80Q&NQ Y AK, MN, NY,

OR, UT

LincolnOptiBlend - 5 Declared Rate:

>$100,000: 3.05%, <$100,000: 2.60%1-Yr Volatility Controlled P-t-P Indexed With

Spread Account>$100,000: 1.05%, <$100,000: 1.25%

Performance Triggered Specified Rate>$100,000: 4.50%, <$100,000: 4.00%1-Yr P-t-P Indexed with Cap Account>$100,000: 6.50%, <$100,000: 5.50%

1.00%

NQ & Q$10,000

Max:2 million

Beginning in the first contract year, up to 10% of contract value may be with-drawn each contract year without incurring charges. If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an MVA. The MVA is a positive or negative adjustment based on the current interest rate environment at time of surrender. The MVA does not apply to withdrawals after the surrender charge period, the 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states.

5 Years NQ-Q0-85 Y NY

LincolnOptiBlend - 7 Declared Rate:

>$100,000: 2.50%, <$100,000: 2.35%1-Yr Volatility Controlled P-t-P Indexed With

Spread Account>$100,000: 1.60%, <$100,000: 2.10%


1.00%

NQ & Q$10,000

Max:2 million



LincolnOptiBlend - 10 Declared Rate

>100,000: 2.50%, <$100,000: 2.40%1-Yr Volatility Controlled P-t-P Indexed With

Spread Account>$100,000: 1.20%, <$100,000: 1.45%


1.00%

NQ & Q$10,000

Max:2 million



LINCOLN FINANCIAL GROUP (LFA) Rates Effective as of 2-1-2019

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

18

NEW

Phoenix Personal Protection Choice

0.75%commission bonus through December 31st on all index products.

0.10% commission increase with eApp.

Minimum Premium

Surrender Charges States Not Available

$15,000Q&NQ

Max$1,000,000

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

8,7,6,4)(Most States)

ME, NY

MVA

Y

Minimum Sur-render Value Issue

Ages

87.5% of premiums less withdrawals @

1.00%

0-80Q&NQ

FIXED INDEXANNUITIES Blended Product Minimum Sur-

render ValueMinimum Premium

Withdrawal Provisions/Contract Features

Surrender Charges


Phoenix Personal Income Annuity

$15,000Q&NQ

Max:$1,000,000

87.5% of premiums less withdrawals @

1.00%

• Penalty-free withdrawals up to 10% of contract value each year• Withdrawals for RMD associated with this contract will not incur withdrawal fees

or MVA• Any withdrawals may be subject to federal and state income tax• If taken prior to age 59 1/2, withdrawals may also be subject to a 10% federal

penalty• Withdrawals taken in excess of free withdrawal amount during the surrender

charge period will be subject to surrender charges and a market value adjustment• For contracts that include an optional GMWB rider, withdrawals prior to rider

exercise or in excess of the guaranteed amount will reduce the benefit base and therefore reduce future guaranteed withdrawal amounts

• Withdrawals taken during the segment duration will not be included when calcu-lating the index credit for that segment

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

8,7,6,4)(Most States)

ME, NY

MVA

Y

Issue Ages

0-80Q&NQ

NASSAU RE COMPANY (PLA)

10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.05% N/A N/A1-Yr S&P 500 - Cap 2.75% N/A N/A1-Yr S&P 500 - Par/Spread N/A 30% 2.00%1-Yr CSTMAI N/A N/A 2.00%2-Yr S&P 500 - Cap 4.15% N/A N/A2-Yr S&P 500 - Par N/A 40% N/A2-Yr S&P 500 - Par/Spread N/A 40% 2.00%2-Yr CSTMAI N/A N/A 4.00%3-Yr S&P 500 - Par/Spread N/A N/A 4.00%Fixed Account 1.50%


10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.75% N/A N/A1-Yr S&P 500 - Cap 5.00% N/A N/A1-Yr S&P 500 - Par/Spread N/A 58% 2.00%1-Yr CSTMAI N/A N/A 0.50%2-Yr S&P 500 - Cap 11.25% N/A N/A2-Yr S&P 500 - Par N/A 58% N/A2-Yr S&P 500 - Par/Spread N/A 75% 4.00%2-Yr CSTMAI N/A N/A 0.00%3-Yr S&P 500 - Par/Spread N/A 100% 9.00%Fixed Account 2.75%AL, AZ, AR, CA, CO, DC, GA, HI, ID, IL, KS, LA, MA, MI, NE, NM, ND, RI, SC, SD, TN, VT, WI, WV, WY

Cap Par. Spread1.60% N/A N/A4.50% N/A N/A

N/A 53% 2.00%N/A N/A 1.00%

10.00% N/A N/AN/A 52% N/AN/A 68% 4.00%N/A N/A 0.00%N/A 91% 9.00%Fixed Account - 2.50%

CT, DE, FL, IA, IN, KY, MD, MS, MT, NV, NH, OH, OK, PA, TX, UT

Cap Par. Spread1.60% N/A N/A4.50% N/A N/A

N/A 53% 2.00%N/A N/A 1.00%

10.00% N/A N/AN/A 52% N/AN/A 68% 4.00%N/A N/A 4.00%N/A 91% 9.00%Fixed Account - 2.50%

AK, MN, MO, NC, NJ, OR, VA, WA

Withdrawal Provisions/Contract Features• The percentage of the benefit base available for withdrawal varies by rider, issue age and duration• Benefit base stops growing when you begin guarantee withdrawals. Withdrawals prior to rider exercise or in excess of the guaranteed amount will reduce

the benefit base and amount of future guaranteed benefits• income withdrawals are taken from your contract value and will reduce the enhanced death benefit (if elected). Over time, contract value could be withdrawn

entirely, leaving no death benefit.• Withdrawals prior to rider exercise reduce the benefit base but do not stop the income roll-up. Roll-up is based on the premium adjusted for withdrawals• Any withdrawals will reduce the family protection death benefit in the same proportion as the contract value is reduced

NEW

NEW


19

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

FIXED INDEXANNUITIES1 Index Cap Rate Product

Minimum Surrender

Value

Minimum Premium

North American Charter Plussm

10 year optionPremium Bonus

5.00% = $20,000 - $74,000 Premium

8.00% = $75,000+ Premium*Premium Bonus Paid on all new premium in first 7 contract years


10.00% = $20,000 - $74,000 Premium

10.00% = $75,000+ Premium*Premium Bonus Paid on all new premium in first 7 contract years

87.5% of premiums less with-

drawals @ 1.00%

$20,000Q & NQ

NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE®

10 Year 14 Year$75k+ Initial

Premium$20k-$74,999 Initial Premium

$75k+ Initial Premium

$20k-$74,999 Initial Premium

S&P 500®

DA Index Margin (No Cap) 3.05% 3.05% 2.45% 2.45%MPP Index Cap Rate 1.50% 1.50% 1.65% 1.65%APP Index Cap Rate 3.65% 3.65% 4.15% 4.15%APP Participation Rate (No Cap) 30% 30% 35% 35%

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

APP Index Margin (No Cap) 3.65% 3.65% 3.00% 3.00%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 4.90% 4.90% 4.15% 4.15%

NASDAQ-100® MPP Index Cap Rate 1.20% 1.20% 1.40% 1.40%Fixed Account Rate 1.90% 1.90% 2.20% 2.20%Premium Bonus 8.00% 6.00% 11.00% 9.00%Fixed Account 1st-Year Yield(Fixed Rate + Premium Bonus) 9.03% 6.99% 12.42% 10.37%

20

North American Charter Plus State Variations for AK, CA, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX, UT, VA, WA10-YEAR

S&P 500®

DA Index Margin (No Cap) 3.30%MPP Index Cap Rate 1.40%APP Index Cap Rate 3.50%APP Participation Rate (No Cap) 25%


APP Index Margin (No Cap) 3.85%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 5.15%

NASDAQ-100® MPP Index Cap Rate 1.15%Fixed Account Rate 1.80%

Premium Bands $75,000+ Initial Premium $20,000-$74,999 Initial PremiumPremium Bonus 7.00% 5.00%Fixed Account 1st-Year Yield (Fixed Rate + Premium Bonus) 8.92% 6.89%


See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.Rates effective 11/06/18. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

North American Charter Pluspremium bonus special

1% premium bonus increase special on North American Charter® Plus fixed index

annuity1

NEW

FIXED INDEXANNUITIES1 Withdrawal Provisions/Contract Features Surrender

Charges6Issue Ages MVA2 Commission States Not

Available

North American Charter Plussm


5.00% = $20,000 - $74,000 Premium

7.00% = $75,000+ Premium*Premium Bonus Paid on all new pre-mium in first 7 contract years


8.00% = $20,000 - $74,000 Premium

10.00% = $75,000+ Premium*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-Year7.00% year 13.50% yrs 2&3

14-Year7.00% year 13.50% yrs 2&31.75% yrs 4&5

14 YearAK, CT, DE, HI, MN, MO, NV, NY, OH, OK, OR, PA, SC, TX,

UT, VA, WA

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6

States NotAvailable

North AmericanVersaChoice

87.5% of premiums

less withdrawals @ 1.00%

Modified Single

Premium

$20,000Non-

Qualified

$20,000Qualified

• Enhanced penalty-free withdrawals: Beginning in the second year, up to 20% of the beginning-of-year accumulation value penalty-free if no withdrawals, other than rider charges, were taken in the prior year.• 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. Net premium is equal to initialand subsequent premiums minus any withdrawal amounts,excluding the rider cost, after any surrender charges or marketvalue adjustment.• 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, see chart). This accumulation value multiplier increasesthe longer money is kept in the annuity, maxing out after sixyears. See the brochure and disclosure for ADL definitions.*These features are available with optional ELB Rider for a .50% annual fee.

10 Years(10,10,9,9,8,8,7,6,4,2)

NYMVA2

N

Issue Ages

0-79


10 Year

$75k+ Initial

Premium

$20k - 74,999k+

Initial Premium

S&P 500® MPtP Index Cap Rate 2.35% 2.10%APtP Index Cap Rate 6.00% 5.25%

APtP Participation Rate (No Cap) 45% 40%

S&P MARC 5% ER

APtP Index Margin (No Cap) 0.00% 0.65%

S&P 500 LOW VOLATILITY DAILY RISK CONTROL 5%

APtP Index Margin (No Cap) 1.60% 2.25%

Fixed Account 2.85% 2.50%



NEW

21

North AmericanPerformanceChoicesm 8 Plus

(3.00% PremiumBonus on all deposits for 5 years.)

Utah Rates - callfor details!!

87.5% of premiums


$2,000-Q$10,000-

NQ($50/mo.

TSA)

$1000 w/EFT $100/month-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

period 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 avail-

able 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: Nurs-ing Home Confinement Waiver (not available in all states) Optional

GLWB Rider available - Income Pay® Plus

Premium Bonus Recapture (8 Plus Only)8 Years

100%, 90%, 80%, 70%, 60%, 50%, 40%,20%

Surrender Charges6

8 Years(10,10,10,10,

9,8,5,3)NY

(UT - Call for details)

MVA2

Y

Issue Ages0-85

Q & NQ0-52 SC0-82 IN

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6

States NotAvailable

North AmericanPerformance Choicesm 12 Plus

(5.00% Premium Bonus on all deposits for 5 years.)

87.5% of premiums


$2,000-Q$10,000-

NQ($50/mo.

TSA)

$1000 w/EFT $100/month-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

period to surrenders exceeding the applicable penalty-free amount and limited to the Interest credited to the Accumulation Value. An-

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

niversary. 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) Optional GLWB Rider available - Income Pay® Plus

Premium Bonus Recapture (12 Plus Only)12 Years

100%, 95%, 90%, 85%, 80%, 70%, 60%, 50%, 40%, 30%, 20%, 10%

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

4,2)AK, CT, DE, IL, MN,

MO, MT, NY, NV, OH, OK, OR, PA,

UT, VA, WAMVA2

Y

Issue Ages

0-75 Q&NQ0-55 TX0-52 CA0-48 SC


APP MPP IPTS&P 500® 4.15% 1.60% 5.50%S&P MARC 5% ER 1.35% N/A N/ADJIASM 3.35% N/A N/AS&P Midcap 400® 3.20% N/A N/ARussell 2000® 3.40% N/A N/ANASDAQ-100® 3.40% 1.35% N/AEURO STOXX 5.10% N/A N/AHang Seng 4.60% N/A N/AFixed Account 2.15%Premium Bonus 3.00%First Year Yield10 5.21%

States NotAvailable

APP MPP IPTS&P 500® 4.25% 1.70% 5.75%S&P MARC 5% ER 1.25% N/A N/ADJIASM 3.55% N/A N/AS&P Midcap 400® 3.55% N/A N/ARussell 2000® 3.55% N/A N/ANASDAQ-100® 2.55% 1.40% N/AEURO STOXX 5.45% N/A N/AHang Seng 4.90% N/A N/AFixed Account 2.25%Premium Bonus 5.00%First Year Yield9 7.36%

22See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.Rates effective 1/15/19. 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

NY

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

MVA2

N

Issue Ages

40-79

FIXED INDEXANNUITIES1 Blended Product Minimum

PremiumWithdrawal Provisions/

Contract FeaturesSurrender Charges6

States NotAvailable

NACRetireChoiceSM 10

(2.00% on first 5 year premium deposits.)

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

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

$20,000Q&NQ

(premium bonus

recapture)

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) 5% Additional Payout Benefit is available on Accumula-tion Value at payout, after the surrender charge period. Ad-

ditional Premium Bonus: Premium Bonus increases from 2.5% to 5%. Additional Payout Benefit: 5% Accumulation Value at

payout after the surrender charge period. Return of Premium: Available in third contract year, less premium bonus, with-

drawals and any rider costs (excluding the Additional Benefit Rider cost). 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.

10 Years(10,10,9,9,8,8,7,6,4,2)

AK, CT, DE, MN, MO, NY, NV, OR,

SC, VT, WA

(OK & OH - call for details)MVA2

Y

Issue Ages

0-79Q&NQ


States NotAvailable

10 Year Surrender Charge MA APP PTP MPP IPTS&P 500® 65% 5.20% 9.55% 2.00% 6.35%DJIASM 60% 4.00% N/A N/A N/AS&P Midcap 400® 60% 3.80% N/A N/A N/ANASDAQ-100® N/A 4.90% N/A 1.55% N/AAfternoon (PM) London Gold Market Fixing Price N/A 4.15% N/A N/A N/A

Fixed Account 2.50%Premium Bonus 2.00%First Year Yield11 4.55%

87.5% of premiums


Minimum Surrender

Value

14 Year Surrender Charge MA APP PTP MPP IPTS&P 500® N/A 4.15% 30% 1.50% N/AS&P MARC 5% ER N/A 1.25% 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 8.00%

Base Par Rate 30%

Enhanced Par Rate 110%

Fixed Account 1.80%GLWB Bonus 5.00%

87.5% of premiums


Minimum Surrender

Value

Minimum Premium

23See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.Rates effective 1/15/19. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394


FIXED INDEXANNUITIES Blended Product

Minimum Surrender

Value

Minimum Premium


Surrender Charges


Strategic Design Annuity X

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 percent-

age 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 payments.• Lifetime payment amount multiplier (may not be available in all states):

Doubled lifetime payment amount up to five years, eligibility based on in-ability to perform two of six activities of daily living (ADLs4).

• Accumulation value step-up: On the ninth and 10th contract anniversaries, 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)

CA, MT, NC

MVA

N

Issue Ages

50-79


Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Sage Select Fixed Indexed(4.00% Immediate Bonus Interest on Initial Premium)

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 Confine-ment - 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

NAK, CT, ME, NY,

VT

Sage Secure FIA

Declared Rate

S&P 500 Index1 Yr Point-to-Point

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

This value is 87.5%

of the single

premium paid

Minimum Premium Amount $10,000(Q & NQ)

Maxium Premium Amount

$750,000

Penalty Free Withdrawals allowed:-Maxium Penalty Free Withdrawal Percentage: 10% each year (Beginning contract year 2)-Nursing Home Facility, Confined Facility Care Confinement 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 following

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

AK, CA, CT, ME, MT, NY,

VT

10 Year 2.80% 6.30% 70%

7 Year 2.75% 6.15% 65%

5 Year 2.35% 6.00% 60%

SAGICOR LIFE INSURANCE COMPANY (Sagicor)

Before sending business to Sagicor: Every agent in all states must have it confirmed that the appointment process has been completed and product training has been successfully completed.

24

NEW


10 YearS&P 500® MPtP Index Cap Rate 2.00%

APtP Index Cap Rate 5.25%APtP Participation Rate (No Cap) 45%

APtP w/Inverse Edge

Trigger

Negative Index Return Threshold -10.00%Base Declared Performance Rate 2.00%Enhanced Declared Performance Rate 8.00%

S&P MARC 5% ER

APtP Participation Rate (No Cap) 100%Two-Year PtP Participation Rate (No Cap) 130%

Fixed Account 2.35%

NEW




Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No


Royal Select FIA

8% Bonus!

Fixed Rate: 2.25%

1% on 87.5% of premium

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

Beginning in the second year: up to 10% of accumulated value

Waiver of Surrender/Withdrawal Charges: Terminal Illness Benefit, Home Health Benefit, Nursing Home Benefit

Market Value Adjustment (MVA): the market value adjustment is ap-plied only during the surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount.

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

18-80Q & NQ Y AL, MT, MS, NY,

VT, WV

Annual Point-to-Point Cap: 4.10%

Monthly Average Cap: 4.10%

Optional GLWB Income Account Rate: 6.75%

Silver Select FIA

4% Bonus!

Fixed Rate: 2.65%


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




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

18-80Q & NQ Y AL, MT, MS, NY,

VT, WV

Annual Point-to-Point Cap: 4.95%


Optional GLWB Income Account Rate: 6.75%

Select Series: Select 3 Fixed Rate: 2.60%


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




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

18-80Q & NQ Y AL, CA, MS, NY,

VT, WVAnnual Point-to-Point Cap: 4.50%




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




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






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




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






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




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




OXFORD LIFE INSURANCE COMPANY

25(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

NEW

NEW

NEW

NEW




Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Protective Indexed Annuity II5 Year

Return of Premium Option avail-able with lower caps/rates

Premiums under $100,000Fixed Account 2.30%Participation Rate 100%S&P 500 Annual Pt-to-Pt Cap 5.35%Annual Trigger Rate 4.35%Annual Rate Cap for Term 5.35%

Premiums over $100,000Fixed Account 2.45%Participation Rate 100%S&P 500 Annual Pt-to-Pt Cap 5.65%Annual Trigger Rate 4.65%Annual Rate Cap for Term 5.65%


$10,000Q & NQMinimum

Additional Deposits$1,000

1st year only

10% penalty free withdrawal available each year. Nursing

facility, terminal illness & unemployment waivers. Full accumulation upon

death

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

Surrender charges differ in CA, IA & OR

0-85

Y

except AK, MO, PA, UT, VT

NY

Caps & Rates are lower in Non-MVA states








1st year only



death

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


0-85

Y


NY









1st year only



death

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


0-85

Y


NY


Protective Indexed Annuity II New York5 Year


Premiums under $100,000Fixed Account 1.95%Participation Rate 100%S&P 500 Annual Pt-to-Pt Cap 4.10%Annual Triggered Rate 3.35%

Premiums over $100,000Fixed Account 2.20%Participation Rate 100%S&P 500 Annual Pt-to-Pt Cap 4.55%Annual Triggered Rate 3.90%




1st year only



death

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

AVAILABLEONLY IN

NY








1st year only



death

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

AVAILABLEONLY IN

NY








1st year only



death

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


0-85 NAVAILABLE

ONLY INNY

Protective Asset Builder6 Year






1st year only



death

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

Protective Asset Builder8 Year






1st year only



death

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

PROTECTIVE LIFE INSURANCE COMPANY (PLIC)

26

NEW

NEW

NEW

NEW

NEW

NEW

NEW

NEW

Annual Trigger Rate: This strategy credits a predeterminded trigger interest rate when index performance is flat or positive. When index performance is negative, no interest is credited for that year.Annual Tiered Rate: This strategy credits a base interest rate when index performance is flat or positive and a performance index performance reaches a specified performance tier. When index per-formance is negative, no interest is credited for that year. Effective 3/15/2016, the S&P 500® Index must have an annual return of 15.00% for the performance interest rate enhancement to be applied.



Annuity Product Reference GuideTRADITIONAL FIXED

February

OPEN HERE!Your potential annuity

sales await!

2019Last Updated

02/13/19

Contact us Today!

Guarantee Period 100K+ 50K+ 15K+7 Year 3.85% 3.55% 3.05%5 Year 3.75% 3.15% 2.65%3 Year 3.00% 2.35% 1.75%

NOWAVAILABLE!

Developmilestonesfor yourbusiness!

Check out this NEW product from Sagicor Life!

Milestone MYGAMulti-Year Guaranteed Annuity

• Sagicor Life is rated A- by AM Best!

• eApplication and Paper options available

• Issue ages 15 days to 90 years

• Minimum Premium $15,000 (Q & NQ)

• 3, 5, and 7 Year Surrender Charge periods

• 10% penalty free withdrawals* beginning in year 2

CHECK OUT THESE FEATURES!

Interest rates, participation rates and caps are current as of August 1, 2018. Current rates and caps are subject to change at any time and at the discretion of the company. Insurance and annuities issued by Sagicor Life Insurance Company. Home office: Scottsdale, AZ. Products have limitations and restrictions including surrender charges and market value adjustments and are not available in all states. Guarantees are based on the claims-paying ability of Sagicor. Sagicor does not provide tax or estate planning advice. Consult tax professional(s). Contract form: ICC173007.Sagicor Life Insurance Company is rates “A-”(Excellent) by A.M. Best Company (4th best out of 16 possible ratings). This rating is based on Sagicor Life’s financial strength and ability to meet its ongoing obligations.‘INSURANCE PROFESSIONALS ONLY. NO PUBLIC DISTRIBUTION.’

Call us Today!

Table of Contents - Company Overviews


*The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosures for additional information.

3 MULTI-YEAR GUARANTEES

4 AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (888) 221-1234

4 AMERICAN GENERAL LIFE COMPANIES* Policies issued by American General Life and United States Life (NY only) A.M. Best Rating* = A (excellent) (888) 438-6933

5 AMERICAN NATIONAL INSURANCE COMPANY A.M. Best Rating = A (excellent) (800) 835-5320

6 ATHENE ANNUITY & LIFE ASSURANCE COMPANY A.M. Best Rating = A (excellent) (855) 428-4363, option 1

7 THE CAPITOL LIFE INSURANCE COMPANY A.M. Best Rating = B++ (good) (800) 274-4825

8 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating = B++ (good) (866) 598-3694

9 GLOBAL ATLANTIC FINANCIAL GROUP A.M. Best Rating = A (excellent) (866) 645-2449

8 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating = A (excellent) (800) 438-3398 x17197

10 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating = B++ (good) (800) 767-7749

11 LIBERTY BANKERS LIFE INSURANCE COMPANY A.M. Best Rating = B++ (good) (800) 274-4829

12 LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) 238-6252

12 MUTUAL OF OMAHA A.M. Best Rating = A+ (superior) (800) 775-7898 x4168

13 NASSAU RE COMPANY A.M. Best Rating = B (good) 888-794-4447

14 NORTH AMERICAN COMPANY FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) 586-0242 x35676

15 OXFORD LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (800) 308-2318

16 SAGICOR LIFE INSURANCE COMPANY A.M. Best Rating = A- (excellent) (888) 724-4267 x6180 2

Multi-Year GuaranteesCompany AM Best

RatingSurrenderCharges Product Name

GUARANTEE PERIODAverage

Annual Yield1st Year Rate Rate Thereafter

Liberty Bankers Life B++ 3 years Bankers Elite - 3 3.25% 3.25% yrs. 2-3 3.25%Athene Annuity A 3 years MaxRate - 3 2.25% 2.25% yrs 2-3 2.25%Equi-Trust Life B++ 3 years Certainty Select - 3 2.25% 2.25% yrs 2-3 2.25%Guggenheim B++ 3 years Preserve MYG - 3 3.10% 3.10% yrs 2-3 3.10%Oxford Life A- 3 years Multi-Select MYG - 3 2.85% 2.85% yrs 2-3 2.85%Guggenheim B++ 5 years Preserve MYG - 5 3.25% 3.25% yrs. 2-5 3.25%Oxford Life A- 5 years Multi-Select MYG - 5 3.30% 3.30% yrs 2-5 3.30%North American A+ 5 years Guarantee Choice - 5 3.05% 3.05% yrs. 2-5 3.05%Liberty Bankers Life B++ 5 years Bankers Premier - 5 3.50% 3.50% yrs. 2-5 3.50%Nassau RE B 5 years MYAnnuity5X 3.85% 3.85% yrs. 2-5 3.85%Nassau RE B 5 years MYAnnuity5X (10% Free Withdrawal) 3.65% 3.65% yrs. 2-5 3.65%Liberty Bankers Life B++ 5 years Premier Plus - 5 4.30% 3.30% yrs. 2-5 3.50%Liberty Bankers Life B++ 5 years Bankers Elite - 5 3.75% 3.75% yrs. 2-5 3.75%American National A 6 years Palladium MYG - 6 3.55% 3.55% yrs. 2-6 3.55%Guggenheim B++ 6 years Preserve MYG - 6 3.30% 3.30% yrs. 2-6 3.30%EquiTrust Life B++ 6 years Choice Four: MVA & Liquidity Option 4.50% Min. 2.00% yrs 2-6 VariesAmerican Equity A- 6 years Guarantee - 6 2.45% 2.45% yrs. 2-5 2.45%North American A+ 6 years Guarantee Choice - 6 2.80% 2.80% yrs. 2-6 2.80%Liberty Bankers B++ 7 years Bankers Elite - 7 3.80% 3.80% yrs. 2-7 3.80%Oxford Life A- 7 years Multi-Select MYG - 7 3.50% 3.50% yrs 2-7 3.50%Sagicor ($100k+) A- 7 years Milestone - 7 3.85% 3.85% yrs 2-7 3.85%Liberty Bankers Life B++ 7 years Bankers Premier - 7 3.55% 3.55% yrs. 2-7 3.55%North American A+ 7 years Guarantee Choice - 7 2.85% 2.85% yrs. 2-7 2.85%American National A 7 years Palladium MYG - 7 4.50% 3.50% yrs. 2-7 3.64%American Equity A- 7 years Guarantee - 7 2.60% 2.60% yrs. 2-7 2.60%Guggenheim B++ 7 years Preserve MYG - 7 3.40% 3.40% yrs. 2-7 3.40%Liberty Bankers Life B++ 7 years Bankers - 7 3.25% 3.25% yrs 2-7 3.25%North American A+ 8 years Guarantee Choice - 8 2.95% 2.95% yrs. 2-8 2.95%Guggenheim B++ 8 years Preserve MYG - 8 3.45% 3.45% yrs. 2-8 3.45%Equi-Trust Life B++ 8 years Certainty Select – 8 2.85% 2.85% yrs. 2-8 2.85%North American A+ 9 years Guarantee Choice - 9 3.00% 3.00% yrs. 2-9 3.00%American National A 9 years Palladium MYG - 9 5.40% 3.40% yrs. 2-9 3.62%Guggenheim B++ 9 years Preserve MYG - 9 3.50% 3.50% yrs. 2-9 3.50%Oxford Life A- 10 years Multi-Select MYG - 10 3.65% 3.65% yrs. 2-10 3.65%Guggenheim B++ 10 years Preserve MYG - 10 3.55% 3.55% yrs. 2-10 3.55%EquiTrust Life B++ 10 years Certainty Select - 10 3.00% 3.00% yrs. 2-10 3.00%North American A+ 10 years Guarantee Choice - 10 3.10% 3.10% yrs. 2-10 3.10%

For Agents Use Only . Call for state approvals. Rates and commissions subject to change. Check individual commission schedules for guaranteed accuracy and descriptions.

GREAT

HOT

GREAT

GREAT

GREAT

HOT

3

(Low Band Rates Shown)


FIXED PRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No


Guarantee 5

Guarantee 6

Guarantee 7

Guarantee 52.30%

Guarantee 62.45%

Guarantee 72.60%

MGIR: Currently 1.00%

Minimum:$10,000

Maximum:18-69: $1,500,00070-74: $1,000,00075-80: $750,000 81-85: $500,000

Annually, Penalty-free withdrawal of interest credited that contract year. Systematic Withdrawal &

RMD immediately

5 years(9, 8, 7, 6, 5, 0%)

6 years(9, 8, 7, 6, 5, 4, 0%)

7 years(9, 8, 7, 6, 5, 4, 3, 0%)

18-85 Q and NQ Y NY

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)

4

FIXED PRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


American PathwaySM

Fixed 5 Annuity

1.00% $5,000 NQ$2,000 Q

Penalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees will be

waived if the owner is confined to a qualifying insitution or extended care facility for 90 consecutive days or longer.

Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial withdrawal upon the diagnosis of a terminal illness that will result in the death of a con-

tract owner within one year. Written documentation from a qualified physician is required.

Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she may elect to become the new “owner” or receive a disttibution

Optional Return of Premium Guarantee: The annuity may be returned at anytime for an amount equal to the single premium paid, less prior withdrawals, or the withdrawal value,

whichever is greater. Adding this feature will result in a slightly lower initial interest rate than a contract without the feature would receive.

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

0-90(0-85 in

NY)Q&NQ

Y

Available in all states, some

varations

(MVA is not available in NY)

American PathwaySM

Fixed 7 Annuity

1.00% $5,000 NQ$2,000 Q

Penalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees will be

waived if the owner is confined to a qualifying insitution or extended care facility for 90 consecutive days or longer.

Terminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partial withdrawal upon the diagnosis of a terminal illness that will result in the death of a con-

tract owner within one year. Written documentation from a qualified physician is required.


Optional Return of Premium Guarantee: The annuity may be returned at anytime for an amount equal to the single premium paid, less prior withdrawals, or the withdrawal value,

whichever is greater. Adding this feature will result in a slightly lower initial interest rate than a contract without the feature would receive.

7 years(9,8,7,6,5,4,2)

0-90(0-85 in

NY)Q&NQ

Y


varations

(MVA is not available in NY)

American PathwaySM

Solutions MYG

1.50% $10,000 NQ$2,000 Q

Penalty-Free Withdrawal Privilege: After Year 1, 15% free withdrawals. After 30 days from contract date


Early Withdrawal Charge Waiver: After the first contract year, withdrawal charge fees will be waived if the owner cannot perform two or more of the six defined activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for at least 90

consecutive days. Written certification by a licensed healthcare practitioner is required.

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

In New York7 Years

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

0-85Q&NQ Y


varations.

AMERICAN GENERAL LIFE COMPANIES (AGLC)

Low Band High Band

5 Year 3.20% 3.50%

6 Year 3.20% 3.50%

7 Year 3.20% 3.50%

10 Year 3.20% 3.50%

NEW

NEW

NEW

With Guarantee ROP:

>$100,000

Year 5 2.70% (MVA) 2.80%

<$100,000

Year 5 2.50% (MVA) 2.60%

Without Guarantee ROP:

>$100,000

Year 5 2.80% (MVA) 3.00%

<$100,000

Year 5 2.60% (MVA) 2.80%

Rates effective as of 1-22-2019

With Guarantee ROP:

>$100,000

Year 7 2.70% (MVA) 3.00%

<$100,000

Year 7 2.50% (MVA) 2.80%

Without Guarantee ROP:

>$100,000

Year 7 2.90% (MVA) 3.05%

<$100,000

Year 7 2.70% (MVA) 2.85%

Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, TX 77019 The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies (or annuities) and riders not available in all states.These contracts are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is not a deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution.

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No


Palladium MYGHigh Band Shown. Under $100,000, subtract 10 basis points

5 Year6 Year7 Year8 Year9 Year10 Year

1st Year4.35%3.65%4.60%3.65%5.50%4.65%

Base Rate3.35%3.65%3.60%3.65%3.50%3.65%

Yield3.55%3.65%3.74%3.65%3.72%3.75%

1.00%

NAIC States1.75%

$5,000Q&NQ

Monthly interest option. 10% free beginning yr 2. Transplant surgery waiver. Confinement Waiver. Available thru issue ages. Full account value paid at

death.

5-yr 8,8,8,7,66-yr (8,8,8,7,6,5)

7-yr (8,8,8,7,6,5,4)8-yr(8,8,8,7,6,5,4,3)9yr 8,8,8,7,6,5,4,3,2

10yr 8,8,8,7,6,5,4,3,2,1(30 day bail out after guaran-

teed period)

0-85 Y UT

Century Plus >$100,000Yr. 1 - 7.80%, Base Rate - 2.80%

<$100,000Yr. 1 - 7.70%, Base Rate - 2.70%

Lifetime Income Rider

Fixed Rate - 7.20%Accumulated Period - 10 Years

Rider Premium Enhancement - N/ARider Premium Charge - 0.90%

1.00%

NAIC States1.75%

$5,000Q&NQ

Max -$1,000,000

Starting in the first contract year, you can withdraw up to 10% of your annuity value as of the beginning of your annuity’s contract year, without any surren-

der charges.

You can request an amount to be withdrawn from Century Plus on a regular basis. They systematic withdrawal can be for either the earned interest only or for a specific fixed amount. Please keep in mind that when the sum of any systematic withdrawal payments and partial surrenders exceeds 10% of the

contract’s beginning year annuity value, a surrender charge and market value adjustment or excess interest deduction, if applicable, will be charged.

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

CA(9,8,7,6,5,4,3,2,1,0)

0-80 Y NY

DiamondCitadel - 5(2 year rate) 1st Year Base Rate

>$100,000 3.60% 2.60%<$100,000 3.50% 2.50%

1.00%

NAIC States1.75%

$5,000-Q&NQ(Initial deposits over $100,000

receive .10 addi-tional basis points)

10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. Prin-cipal Guarantee: Minimum surrender value is a return of premiums paid, less any cumulative

withdrawals. The policy will now be owner driven. The death benefit will be paid only upon death of owner, not the annuitant. Please note this will affect chargebacks. In the event of a

death or full surrender in the first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is

changing from 60 days to 30 days. If the contract owner is confined for will be imposed on any surrender or withdrawal. Please note Terminal Illness is included in the disability waiver.

5 years (7,7,7,6,5)

0-85NQ & Q N Available in all states

DiamondCitadel - 7(2 year rate) 1st Year Base Rate

>$100,000 4.70% 2.70%<$100,000 4.60% 2.60%

1.00%

NAIC States1.75%

$2,000Q $5,000NQ

(Initial dep. over $100K receive .10 add. basis points.) Add. Prem $1,000 random or $100/mo. bank draft.

10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. Prin-cipal Guarantee: Minimum surrender value is a return of premiums paid, less any cumulative

withdrawals. The policy will now be owner driven. The death benefit will be paid only upon death of owner, not the annuitant. Please note this will affect chargebacks. In the event of a

death or full surrender in the first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is

changing from 60 days to 30 days. If the contract owner is confined for will be imposed on any surrender or withdrawal. Please note Terminal Illness is included in the disability waiver.

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

0-85NQ & Q N Available in all states

(For Agent Use Only)Not intended for soliciting annuity sales from the public. 2) Two year charge back - 100% year 1 & 50% year 2

AMERICAN NATIONAL INSURANCE COMPANY (ANL)States

Not Available

Rates and Commissions subject to change.Check for current state approvals.

5

NEW

Rates effective as of 2-1-2019

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No

States ONLY Available in

MaxRate:Multi-Year Fixed Strategy

1.00%

$10,000Q&NQ

Additional Premium $1,000

per payment

Free Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year.

Required Minimum Distribution (RMDs) - Considered part of your annual Free Withdrawal, even if they exceed your Free

Withdrawal amount.

Flexible Premium!

Terminal Illness Waiver and Confinement Waiver built-in (not available in all states)

3 year(10,10,10)

5 year(10,10,10,10,10)

7 year(10,10,10,10,10,

10,10)

0-85(3 year)

0-83(5 year)

0-83(7 year)

Y

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

MaxRate:1-Year Fixed (additional premium)

1.00%

$10,000Q&NQ


per payment



Withdrawal amount.

Flexible Premium!


3 year(10,10,10)

5 year(10,10,10,10,10)

7 year(10,10,10,10,10,

10,10)

0-85(3 year)

0-83(5 year)

0-83(7 year)

N

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

MaxRate:Multi-Year Fixed Strategy

1.00%

$10,000Q&NQ


per payment



Withdrawal amount.

Flexible Premium!


3 year(10,10,10)

5 year(10,10,10,10,10)

7 year(10,10,10,10,10,

10,10)

0-85(3 year)

0-83(5 year)

0-83(7 year)

YAK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA

MaxRate:1-Year Fixed (additional premium)

1.00%

$10,000Q&NQ


per payment



Withdrawal amount.

Flexible Premium!


3 year(10,10,10)

5 year(10,10,10,10,10)

7 year(10,10,10,10,10,

10,10)

0-85(3 year)

0-83(5 year)

0-83(7 year)

YAK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, WA


6

NEW

NEW

NEW

NEW


3 year 5 year 7 year

High Band$100,000 2.40% 3.25% 3.35%

Low Band Up to $100,00

2.25% 3.10% 3.20%


High Band$100,000 2.30% 3.15% 3.25%


2.15% 3.00% 3.10%


High Band$100,000 2.40% 3.20% 3.30%


2.25% 3.05% 3.15%


High Band$100,000 2.40% 3.20% 3.30%


2.15% 2.95% 3.05%


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

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No

In these states ONLY

Bankers - 3(3 Year Rate)

3.00% for 3 Years 1.00% $10,000Q&NQ

Accumulated interest twice per yr or monthly if interest is over $100.00. Death benefit is full accu-mulation value. Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days.

Available thru issue ages.

3 years(8,7,6)

0-90Q & NQ0-85 in

OK

Y AL, AK, DC, HI, ME, MA, MI, MO, TX, VT

Bankers -5(5 year rate)

3.25% for 5 Years 1.00% $10,000Q & NQ



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

0-90Q & NQ0-85 in

OK


Bankers - 5 Premier Plus(5 year rate)

4.35% year 13.35% years 2-5

(Yield 2.65%)1.00% $10,000

Q & NQ



5 years(8.1,7.3,6.4,5.5,4.5)

0-90Q & NQ0-85 in

OK


Bankers - 5 Premier (5 Year Rate) 3.55%

For 5 years 1.00% $10,000



5 years(8,7,6,5.5,4.5)

0-90Q&NQ0-85 in

OK

Y AL, AK, DC, HI, ME, MI, MO, TX, VT

Bankers - 7(7 Year Rate)

3.25%(7 year rate) 1.00% $10,000

Q&NQ



7 years0-55

(12,11,10,8,6,4,2)56 plus

(8,7,6,5,4.5,3.5,2.5)

0-85Q&NQ Y AL, AK, DC, HI, ME, MI,

MO, TX, VT

Bankers - 7 Premier(7 Year Rate) 3.55%

(7 year rate)1.00% $10,000

Q&NQ



7 years (0-55)(12.4,11.5,10.5,8.5,6.5,5.

5,4.5)(56+)

(8.1,7.1,6.1,5.1,4.5,3.5,2.5)

0-85Q&NQ Y AL, AK, DC, HI, ME, MA,

MI, MO, TX, VT

Bankers Elite - 3(3 Year Rate)

3.25% for 3 Years 1.00% $10,000Q&NQ

No penalty free withdrawals during surr charge period; thereafter. Death Benefit - surr value. Sur-viving spouses may elect to continue the policy as their own and avoid surr charges. Non spousal beneficiaries may reduce or avoid charges by deferring payment or taking periodic income. For at

least 5 year. No nursing home & disability waiver.

3 years(7.9,7,6.2)

0-90Q & NQ(0-80 in

FL)



3.80% for 5 Years 1.00% $10,000Q & NQ



5 years(7.9,7,6.2,5.3,4.4)

0-90Q & NQ(0-80 in

FL)



3.80% for 7 years 1.00% $10,000Q & NQ



7 years(7.9,7,6.2,5.3,4.4,3.5,2.7)

0-85Q & NQ(0-75 in

FL)


THE CAPITAL LIFE INSURANCE COMPANY (CAP)

*All Liberty Bankers products may not be annuitized without surrender charge until contract maturity.

NEW

NEW

NEW

NEW

7


(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals. *Due to significant decreases in market interest rates and as part of our commitment to provide your clients with competitive

products we are temporarily reducing commissions by 20% for the five-year certain payment option for the GALIC SPIA.*

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No


Secure American<up to 10.00% annualiza-tion bonus - vests 1.00% per year> 1.55% = AV - year 1

1.55% = SV - year 1

(2.57% Yield with Bonus)

1.25%

$10,000(Additional Pur-chase Payments accepted in 1st 3

contract yrs: $2,000 - NQ

$5,000 - Q)

10% after lst year. Interest income avail. after 30 days. LTC Terminal Illness Rider. Upon death of owner, the death benefit paid to beneficiary will be a lump sum = to cash value or acct value (including any earned annuitization bonus), if the benefi-ciary elects a settlement option providing payment for a period at least 7 yrs, or for

his/her life expectancy, as provide by Option D, if less.

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

18-88-Q 0-88-NQ N AK, MA, NH, NJ, NV,

NY, PA, UT, WA

Secure Gain - 5 Under $100,000 2.90% Yr 1 2.75% Yr 22.85% Yr 3 2.95% Yr 4

3.05% Yr 5yield 2.40%

1.25%

$10,000 Extended Care Waiver & LTC rider available thru issue ages. Terminal Illness Waiver available thru issue ages. Annuitization for account value: After the first

contract anniversary, the account valuemay be used for income payout periods of five years or longer. Lifetime payouts (other single or joint) are also available. A spouse who is the sole surviving beneficiary may elect to become the successor

owner. Full account value at death. 10% in 1st year interest income available after 1 year.

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

18-89-Q 0-89-NQ

Y

(Non-MVA in IN,MD, OH,VA)

NYOver $100,000

2.75% Yr 1 2.60% Yr 22.70% Yr 3 2.80% Yr 4

2.90% Yr 5yield 2.75%

$100,000

Secure Gain - 7 Under $100,0003.10% Yr 1 2.35% Yr 22.60% Yr 3 2.85% Yr 4 3.10% Yr 5 3.35% Yr 6

3.60% Yr 7yield 2.99%

1.25%

$10,000 Extended Care Waiver & LTC rider available thru issue ages. Terminal Illness Waiver available thru issue ages. Annuitization for account value: After the first

contract anniversary, the account valuemay be used for income payout periods of five years or longer. Lifetime payouts (other single or joint) are also available. A spouse who is the sole surviving beneficiary may elect to become the successor

owner. Full account value at death. 10% in 1st year interest income available after 1 year.

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

18-85-Q 0-85-NQ

Y

(Non-MVA in IN,MD, OH,VA)

NYOver $100,000

3.00% Yr 1 2.25% Yr 22.50% Yr 3 2.75% Yr 4 3.00% Yr 5 3.25% Yr 6

3.50% Yr 7yield 2.89%

$100,000


NEW

NEW

8

MULTI-YEARPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


SurrenderCharges

Issue Ages

MVAY=YesN=No


Certainty Select(with optional rider) 3 yr - 2.50%

5 yr. - 3.00%6 yr. - 3.10%

yrs 1-68 yr. - 3.20%

yrs 1-8 10 yr. - 3.25%

yrs 1-10


$10,000Q&NQ

30-day window: During the 30 days prior to the end of the guarantee period, the following options are available: Renew for the same guarantee period and surrender charge schedule. Take a partial withdrawal without Surren-der Charges or MVA. Surrender without Surrender Charges or MVA. Annuitize the contract for at least a 10-year period or life. Annuitization availability may vary by state. Nursing Home Waiver: Available through applicant age

80. There is no charge for this rider. After the first contract year, requires nursing home confinement of Owner for 90 days. Not available in MA. Rate Hold: If the initial premium is not received with the application but is

received with in 60 days, the contract will be credited with the higher of the credited rate on the date of receipt of the application and the credited rate for new issues on the date the premium is received. Base Contract Free Withdrawals: Cumulative interest earned may be withdrawn at anytime without surrender charge or MVA, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Base Contract Death Benefit: Upon death of first Owner, Accumulation Value.*Effective February 5, a re-filled version of Certainty select will be offered in six states: IA, MN, OK, OR, TX, UT, and WA. The new contract is form series ICC13-ET-MYG-2000(07-13), and has variations from the original Certainty Select prod-

uct filing. For these six states, the following variations exist: (Surr Charges: 9%,8%,7%,6.5%,5.5%,4.5%,3.5%,2.5%,1.5%,0.5% (surr charge period matches guarantee period) Base Contract only.

Base Contract:(3 Yr) 10,10,9

(5 Yr) 10,10,9,9,8(6 Yr) 10,10,9,9,8,8

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

(9 Years: CA Only:8.3, 7.4, 6.5, 5.6, 4.7,

3.8, 2.9, 1.9, 0.9)

0-90Q&NQ

(age last birthday)

No MVA in OK

Y NY

Choice Four Base Contract: 9 yr. - 3.25%

MVA Option: 9 yr. - 3.25%

(1.50% Bonus)Liquidity Option:

6 yr. - 3.00%Liquidity & MVA

Option:6 yr. - 3.00%

(1.50% Bonus)

2.00% on 100% of premium

$10,000Q&NQ

($2,000 Additional Deposits in

Year 1)

By current company practice, the accum value is available for annuitization after the 5th year if a minimum payout of 5 years of life is elected. Available through issue age 80. There is no charge for this rider. After the first contract year, nursing home confinement of Owner for 90 days. Not available in MA. Base contract surr charge:

Based on a % of the accum value. Applied to partial withdrawals in excess of the free withdrawal amt. Base contract free withdrawals: interest earned in previous 12 months may be withdrawn at anytime w/o surr charge

or MVA. Liquidity option: a lower interest rate will apply. During 1st contract yr up to 10% of accum value on pre-vious contract anniversary may be withdrawn each contract yr w/o surr charge or MVA. If both MVA & Liquidity

options are selected, the contract is issued with a 6-yr surr charge schedule.

Base Contract: (9 Yr)(12,11,10,9,8,7,6,4,2)

FL ONLY: (10,10,10,9,8,7,6,4,2)NV & OH ONLY:

(9,8,7,6.5,5.5,4.5,3.5,2.5,1.5)Liquidity Option: (6 Yr)

(12,11,10,9,8,7)FL ONLY: (10,10,10,9,8,7)

NV & OH ONLY:(9,8,7,6.5,5.5,4.5)

0-85Q&NQ

(age last birthday)

Y NYGREAT

EQUITRUST LIFE INSURANCE COMPANY (ETL)MUSTCOMPLETEPRODUCT TRAININGBEFORE SUBMITTINGBUSINESS TO EQUITRUST



9

MULTI-YEARPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


SurrenderCharges

Issue Ages

MVAY=YesN=No


SecureFore 3

2.90%For 3 Years


Min:$10,000

Max:$1,000,000

(ages 81-85: $500,000)

• 10% of the beginning-of-year contract value after the first contract year can be withdrawn each year without incurring withdrawal charges, expect in any year where full surrender occurs, 1, 2

• Withdrawal charges will be waived due to qualified nursing home confinement or terminal illness, 3• Systematic withdrawals may be specified by doller amount, percentage of the contract value, or choice of

payout frequency.

3 Year(8, 8, 7) 0-85 N NY

SecureFore 5

3.30%For 5 Years


Min:$10,000

Max:$1,000,000

(ages 81-85: $500,000)

• 10% of the beginning-of-year contract value after the first contract year can be withdrawn each year without incurring withdrawal charges, expect in any year where full surrender occurs, 1, 2

• Withdrawal charges will be waived due to qualified nursing home confinement or terminal illness, 3• Systematic withdrawals may be specified by doller amount, percentage of the contract value, or choice of

payout frequency.

5 Year(8, 8, 7, 6, 5) 0-85 N NY

GLOBAL ATLANTIC FINANCIAL GROUP (FTA)

NEW

NEW


FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions1 Surrender Charges Issue

Ages

MVAY=YesN=No

States NotAvailable

Preserve MYG

(Low Bandunder $250,000)

(High Band $250,000+)

Guaranteed option 3-Year 4-YearLow Band 3.10% 3.20%High Band 3.20% 3.30%

1.00% $5,000-Q$10,000-NQ

Free Withdrawals: One withdrawal per policy year equal to 10% of the previous anniversay account value in Year 2 and later. RMD’s allowed in all years (with chargebacks in Year 1) Systematic Withdrawals: Yes, (Allowed in year

1 by company practice)monthly interest as earned or automatic RMD for qualified plans. Death Benefit: Full

account value at death. Surrender Charges waived, No MVA applied. Chargebacks: Yes, 100% on any withdrawal

or death within 1st contract year. Annuitization: Can annuitize at any time Surrender charges are waived upon

Annuitization for a minimum of 10 years or for 5 years after the initial guarantee period.

10 Years(7,6,5,4,3,2,1,1,1,0.75)

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

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

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

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

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

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

0-90

(Issue ages

0-85 inIN & OK

only)

Y

No MVA in DE, MO, OR, PA,

WA

NY

Guaranteed option 5-Year 6-YearLow Band 3.25% 3.30%High Band 3.35% 3.40%

Guaranteed option 7-Year 8-Year Low Band 3.40% 3.45%

High Band 3.50% 3.55%

Guaranteed option 9-Year 10-Year Low Band 3.50% 3.55%High Band 3.60% 3.65%

ProOption MYG

5 Year2.70% (year 1)2.80% (year 2)2.90% (year 3)3.00% (year 4)3.10% (year 5)2.90% (APY)

7 Year2.75% (year 1)2.85% (year 2)2.95% (year 3)3.05% (year 4)3.15% (year 5)3.25% (year 6)3.35% (year 7)3.00% (APY)

10 Year2.75% (year 1)2.85% (year 2)2.95% (year 3)3.05% (year 4)3.15% (year 5)3.25% (year 6)3.35% (year 7)3.45% (year 8)3.55% (year 9)3.65% (year 10)3.20% (APY)

Interest Rate Step Up: Interest Rates are guaranteed to increase during the first guaranteed period. Renewal

periods will have a level rate for the entire period. Return of Premium Guarantee: The contract contains a rider which guarantees the client will receive

no less than their premium if surrendered during the deferral period. Any withdrawal, including interest and RMDs, are considered a reduction to premiums paid.

Free Withdrawals: One withdrawal per policy year up to 10% of the previous anniversary account value in Year 2 and later. RMD’s allowed in all years (with chargebacks

in Year 1). Systematic Withdrawals: Monthly interest as earned or automatic RMD for qualified plans. Death

Benefit: Full account value at death. (Surrender Charges waived. No MVA applied). Chargebacks: 100% on any

withdrawal or death within 1st contract year and 50% on withdrawals (except RMDs) in the 2nd year. Annuitization:

Annuitize at any time. Surrender Charges are waived upon Annuitization for a minimum of 10 years, or 5 years after the initial guarantee period. Renewability: At the end of the initial guarantee term there is a 30 day window to withdraw funds before the contract will renew at a new rate for another term. Surrender Charges and MVA will

restart. Not applicable in DE, MO, OR, PA, or WA

10 Years(7,6,5,4,3,2,1,1,1,0.75)

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

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

GUGGENHEIM LIFE & ANNUITY COMPANY (GLA)


NEW

Interest rate shown is as of 4/24/2013, is subject to change and may vary in accord with state regulations. Preserve Annuities are issued by and are obligations of Guggenheim Life and Annuity Company, home office at 401 Pennsylvania Pkwy., Suite 300, Indianapolis, Indiana 46280. Annuity products are not insured by the FDIC. Annuity contracts contain charges and limitations. Preserve annuities have varying surrender charge periods with substantial penalties for early withdrawal, and may be subject to a market value adjustment. Preserve annuities and/or certain optional features of such annuities may not be available in all states. Guggenheim Life and Annuity Company is not licensed in New Jersey and New York. The contract is issued on form numbers GLA-MYGA-01 or variations of such. 041301A

NEW

10


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

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No

States NOTAvailable

Liberty Choice3.50%

(2.50% Bonus Plus 1.00% 1st Year Bonus)

1.00%

$5,000($100 month

additions)Q&NQ

Accumulated interest twice per yr or monthly if interest is over $100.00. Death benefit is full accu-mulation value. A 10% IRS penalty may apply on amounts withdrawn before the owner reaches

age 591/2 Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days.


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

0-90Q & NQ(85-OK)

Y AL, AK, DC, HI, MN, MO, NH, NY, OR, PA, WY

Liberty Select4.05%

(2.55% Bonus Plus 1.00% 1st Year Bonus)

1.00%

$5,000($100 month

additions)Q&NQ

Accumulated interest twice per yr or monthly if interest is over $100.00. Death benefit is full accu-mulation value. A 10% IRS penalty may apply on amounts withdrawn before the owner reaches

age 591/2 Nursing home benefit and disability available after yr 1 on NQ money and you can withdraw 50% of your accumulated value if you are confined or disabled for 90 consecutive days.


7 yearsages 0-55 (12,11,10,8,6,5,4,2)

ages 56+(8,7,6,5,4,3,2)

0-85Q & NQ Y AL, AK, DC, HI, MN, MO,

NH, NY, OR, PA, WY

Bankers - 3(3 Year Rate) 3.90% for 3 Years 1.65% $10,000

Q&NQ



3 years(8,7,6)

0-90Q & NQ0-85 in

OK

Y MN, NH, NY

Bankers -5(5 year rate) 3.20% for 5 Years 1.65% $10,000

Q & NQ



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

0-90Q & NQ0-85 in

OK

Y MN, NH, NY

Bankers - 5 Premier Plus(5 year rate)

4.30% year 13.30% years 2-5

(Yield 2.65%)1.65% $10,000

Q & NQ



5 years(8.1,7.3,6.4,5.5,4.5)

0-90Q & NQ0-85 in

OK

Y DE, MN, NH, NY

Bankers - 5 Premier (5 Year Rate)

3.50%For 5 years 1.65% $10,000



5 years(8,7,6,5.5,4.5)

0-90Q&NQ0-85 in

OK

Y DE, MN, NH, NY

Bankers - 7(7 Year Rate) 3.25%

(7 year rate) 1.65% $10,000 Q&NQ



7 years0-55

(12,11,10,8,6,4,2)56 plus

(8,7,6,5,4.5,3.5,2.5)

0-85Q&NQ Y DE, MN, NH, NY

Bankers - 7 Premier(7 Year Rate) 3.55%

(7 year rate)1.65% $10,000

Q&NQ



7 years (0-55)(12.4,11.5,10.5,8.5,6.5,5.

5,4.5)(56+)

(8.1,7.1,6.1,5.1,4.5,3.5,2.5)

0-85Q&NQ Y AL, DE, ID, IA, MN, MT,

NH, NM, NY, OR


3.10% for 3 Years 1.65% $10,000Q&NQ


least 5 year. No nursing home & disability waiver. Not RMD Friendly

3 years(7.9,7,6.2)

0-90Q & NQ

(75 in CA & FL)

Y DE, MN, NH, NY


3.75% for 5 Years 1.65% $10,000Q & NQ



5 years(7.9,7,6.2,5.3,4.4)

0-90Q & NQ

(75 in CA & FL)

Y DE, MN, NH, NY


3.85% for 7 years 1.55% $10,000Q & NQ



7 years(7.9,7,6.2,5.3,4.4,3.5,2.7)

0-85Q & NQ

(70 in CA & FL)

Y DE, MN, NH, NY

GREAT

LIBERTY BANKERS LIFE INSURANCE COMPANY (LBL)

*All Liberty Bankers products may not be annuitized without surrender charge until contract maturity.

GREAT

HOT

HOT

11


FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No


LincolnMYGuaranteeSM Annuity

<$100,000 >$100,0005 years 3.05% 3.35%7 years 2.95% 3.10%10 years 2.95% 3.15%

1.00% $10,000NQ & Q

10% Free Partial surrender - 10% of the accum value can be withdrawn per contract year w/o incurring any surr charge or MVA

Death Benefit - Should the client die before the contract is annuitized, the accum value may be distributed as a death benefit with no surr charges or MVA.

Annitization allowed at the end of term or after 5th year

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

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

7 Year (7,7,6,5,4,3,2)8 Year (7,7,6,5,4,3,2,0)

9 Year (7,7,6,5,4,3,2,0,0)10 Year (7,7,6,5,4,3,2,0,0,0)

0-85 Y AK

LincolnLong-Term Care

<$100,0001.70%

Guaranteed for 7 Years

>$100,0001.70%

Guaranteed for 7 Years

1.00% guarantee period

(Between 1.00% & 3.00% after initial guarantee period)

$50,000NQ & Q

(Maximum pre-mium $400K for triple opt.

$600K for double opt.)

Accum value- before annuity payments begin: the single premium plus interest, and less LTC Benefitis paid, LTC Benefit charges, partial surrenders, surrender charges and any deductions for taxes if Lincoln is required to pay them. Partial surr - begin in 1st contract y, up to 10% of contract value may be withdrawn each yr w/o incurring surr charges. Death Benefit - upon death of the contractowner or annuitant, beneficiaries receive the contract value. Choice of

income pay opt - after 5th contract yr, contract value w/o surr charge may be received under a number of income pay opts, including an income that cannot be outlived. LTC benefits -

Monthly LTC benefits are paid when the covered life: has been given and follows a plan of care prescribed by a licensed health care practitioner. Call for details!

7 years(8,8,7,6,5,4,3) 45-74 N

CO, CT, FL, HI, ID, MA, NY, OH, PA, UT, VT, VA,

WA

LINCOLN FINANCIAL GROUP (LFA)

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

Acceleration Benefit Duration

Extension Benefit Duration

Guaranteed Monthly Maximum Benefit

Acceleration Benefit

Extension Benefit

Total LTC Benefit

TripleLeverage Opt 2 years 4 years $2,083.33 $50,000 $100,000 $150,000

DoubleLeverage Opt 3 years 3 years $1,388.89 $50,000 $50,000 $100,000

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions1

Surrender Charges

Issue Ages

MVAY=YesN=No

States NotAvailable

Bonus Flexible Annuity

1st Year Guaranteed Rate

2.55%

(2.70% for accumu-lation values over

$50,000)

1.00%

Single Purchase Pay-ment -$5,000 Q&NQ

or

Planned purchase payments - $100/month ($1,200 annually, $600

semiannually, $300 quarterly)

Access to account value with no withdrawal charges10% of accumulation policy value per year, fedral tax penalties my applyAvailable immediately$100 minimum/monthSystematic Income OptionFixed Dollar amount or interest onlyAvailable monthly, quarterly, semiannually, annually$100 minimum/monthDeath Benefit - The greater of the accumulation value or gross purchase payments minus any cash withdrawals, withdrawal charges and outstanding loans.Security - 100% of principal underwritten and guaranteed by United Omaha Life Insurance Company.Can annuitize after yr-2 without surrender charges. Early annuitization after 2 years.

8 Years (8,8,7,6,5,4,3,2) 0-89 N NONE

Ultra SecurePlus - 5

<$50,0001.75% years 1-5

>$50,0001.90% years 1-5

1.00%

$5,000 Q&NQUnlimited during 1st

policy year, $500 mini-mum addition, Original

withdrawal charges apply, Creditied with new money rate in

effect at the time of the addition

Free access to account value - 10% of accumulation policy value per year, fedral tax penalties my apply, Available in 1st contract year, $100 minimum/monthWithdrawal charge period - 30-day window prior to the end of each 5- or 7-year withdrawal period to surrender, continue or annuitize the contract. Policy holder notified 45 days prior to end of each 5 or 7 withdrawal period, 30 day window before guarantee period ends. Waiver of withdrawal charges - Long term care waiver, Unemployment, Disability, Terminal Illness, Death of spouse or minor dependent, damage to your residence, transplant surgery. Available thru issue ages. 60-day rate lock/1035 exchange and direct rollover/transfer - Rate lock period is 60 days from date of app, rate credited will be the rate at time of application. Customer statements - NQ - sent annually one month after anniversary date. Qualified - sent annuially 2nd week of January. RETURN OF PREMIUM!!!

5 Years(6,6,6,6,5) 0-89 Y NY

Ultra SecurePlus - 7

<$50,0002.00% years 1-7

>$50,0002.15% years 1-7

1.00%

$5,000 Q&NQUnlimited during 1st

policy year, $500 mini-mum addition, Original

withdrawal charges apply, Creditied with new money rate in

effect at the time of the addition

Free access to account value - 10% of accumulation policy value per year, fedral tax penalties my apply, Available in 1st contract year, $100 minimum/monthWithdrawal charge period - 30-day window prior to the end of each 5- or 7-year withdrawal period to surrender, continue or annuitize the contract. Policy holder notified 45 days prior to end of each 5 or 7 withdrawal period, 30 day window before guarantee period ends. Waiver of withdrawal charges - Long term care waiver, Unemployment, Disability, Terminal Illness, Death of spouse or minor dependent, damage to your residence, transplant surgery. Available thru issue ages. 60-day rate lock/1035 exchange and direct rollover/transfer - Rate lock period is 60 days from date of app, rate credited will be the rate at time of application. Customer statements - NQ - sent annually one month after anniversary date. Qualified - sent annuially 2nd week of January. RETURN OF PREMIUM!!!

7 Years(6,6,6,6,5,4,3) 0-89 Y NY

MUTUAL OF OMAHA (MOA)

12


FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium

Withdrawal Provisions1

Surrender Charges

Issue Ages

MVAY=YesN=No

States NotAvailable

MYAnnuity 5X

5 Years3.85%

NY - 3.25%

(With 10% Free Withdrawals)

3.65%NY - 3.05%

1.00%

$15,000NQ & Q

$1,000,000Max

• Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge ior market value adjustment (MVA) applied

• Withdrawals in excess of the annual free withdrawal amount may be subject to a surrender charge prior to the end of the guarantee period and an MVA

• Withdrawals for the Required Minimum Distribution (RMDs) will not incur surrender charges or MVA• Withdrawals of income will be subject to tax and, if prior to age 59 1/2, may be subject to a 10% IRS

Penalty• Withdrawn amounts will not receive the full interest credit• Surrender charges and MVA will be waived upon contract owner’s death or annuitization after the first

contract year• During 30-day window period at the end of the guarantee period, you can surrender any amount of the

contract without a surrender charge and without the assessment of an MVA• Nursing home and terminal illness waivers• Surrender charges will also be waived if owner is admitted into a licensed nursing home, or if owner

is diagnosed with a terminal illness that is expected to result in death within six months (24 months in MA). Waivers are subject to state approval and certain conditions. See contract for details

5 Years (9,8,7,6,5,0,0) 0-85 NY CA, ME

MYAnnuity 7X

7 Years3.95%

NY - N/A

(With 10% Free Withdrawals)

3.75%NY - N/A

1.00%

$15,000NQ & Q

$1,000,000Max

• Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge ior market value adjustment (MVA) applied

• Withdrawals in excess of the annual free withdrawal amount may be subject to a surrender charge prior to the end of the guarantee period and an MVA

• Withdrawals for the Required Minimum Distribution (RMDs) will not incur surrender charges or MVA• Withdrawals of income will be subject to tax and, if prior to age 59 1/2, may be subject to a 10% IRS

Penalty• Withdrawn amounts will not receive the full interest credit• Surrender charges and MVA will be waived upon contract owner’s death or annuitization after the first

contract year• During 30-day window period at the end of the guarantee period, you can surrender any amount of the

contract without a surrender charge and without the assessment of an MVA• Nursing home and terminal illness waivers• Surrender charges will also be waived if owner is admitted into a licensed nursing home, or if owner

is diagnosed with a terminal illness that is expected to result in death within six months (24 months in MA). Waivers are subject to state approval and certain conditions. See contract for details

7 Years(9,8,7,6,5,4,3) 0-85 Y CA, ME

NASSAU RE COMPANY (PLA) Rates Effective as of 1-1-19

NEW

NEW


13

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No

States NotAvailable

North American Guar-antee ChoiceSM

(Low Band under $100,000)

(High Band over $100,000)

(In California, the product name remains North American Guarantee ChoiceSM II)

North American Guarantee Choice IISM

(Low Band under $200,000)(High Band over $200,000)

Features 3-Year 5-YearHigh Band 3.00% 3.40%Low Band 2.65% 3.05%

100% of premiums less

withdrawals at 0.25% less

surrender charges

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

Current year’s interest withdrawals available each year. By current company practice*, withdrawals can begin as early as 30 days after annuity is issued if client is on the systematic withdrawal program.

Renewal feature: renewal for the original guarantee period is automatic if no ac-tion is taken during the 30 days after the end of the guaranteed period. Within this 30 day window, no surrender charges or interest adjustment applies. This annuity may also be renewed for other guarantee periods available at that time.Death benefit: due to beneficiary upon death. Payouts in lump sum or series of payments.Nursing home rider: confined to a nursing home for more than 90 consecutive days, increase the penalty-free withdrawal amount by 10%. Only available to ages under 75.

3 Year: 9.30%, 8.40%, 7.50%

5 Year: 9.30%, 8.40%, 7.50%, 6.60%, 5.70%

7 Year: 9.30%, 8.40%, 7.50%, 6.60%, 5.70%, 4.75%, 3.80%

10 Year: 9.30%, 8.40%, 7.50%, 6.60%, 5.70%, 4.75%, 3.80%, 2.85%, 1.90%, 0.95%

0-90

(Issue ages

0-85 inIN & OK

only)

Y

DE

CA, FLNo 6-10 Year

CT (North American

Guarantee Choice II is temporarily unavailable)

Features 7-Year 10-YearHigh Band 3.15% 3.35%Low Band 2.85% 3.10%

Rates the same as above. 6- through 10- year rates not available in CA (or in FL)

3 Year: 8.00%, 7.15%, 6.20%

5 Year: 8.00%, 7.15%, 6.20%, 5.25%, 4.30%

NORTH AMERICAN COMPANY FOR LIFE AND HEALTH (NAA)


On North American Guarantee ChoiceSM IIMulti-Year Guarantee Annuity

The North American Guarantee Choice II Annuity Currently Offers:• Guarantee/Surrender Charge Periods from 4 to 10 Years2

• Issue ages up to age 90 (may vary by state)

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.This product is issued by North American Company for Life and Health Insurance®. Product features and iders may not be available in all states or appropriate for all clients. The North American Guarantee ChoiceSM is issued on forms NC/NA1000A (certificate/contract) AE515A, AE516A, LR427A, LR433A, LR441A and LR441A-1(en-dorsements/riders) or appropriate state variation. 1. Current rates effective as of May 8, 2018 and are subject to change at any time. Rate may vary by premium band and guarantee period selected. 2. A surrender during the surrender charge period could result in a loss of premium. Surrender charge structures may vary by state. Surrender charges and Interest Adjustments (also known as Market Value Adjustment) will reset with renewal. 21131Z-MGA-HTML-Agent ID# | REV 1-15

CALL FOR DETAILS!!

14

COMPETITIVE3.40% 3.05%


FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Ages

MVAY=YesN=No

States NotAvailable

Multi-Select Series MYGA

3 Year: 2.85%

4 Year: 3.25%

5 Year: 3.30%

6 Year: 3.65%

7 Year: 3.50%

8 Year: 3.75%

9 Year: 3.60%

10 Year: 3.65%

You will receive interest on

100% of your accumulation

value

$20,000-$1,000,000

Qualified and Non-QualifiedAges 18-75

$20,000-$500,000Qualified and Non-QualifiedAges 76-80

Free Withdrawals:During the first year. Systematic withdrawal of interest earned beginning in second year. Up to 10% of accumulated value.

The market value adjustment is applied only during surrender/withdrawal charge period and only on amounts that exceed the penalty free withdrawal amount.

Waiver of Surrender/Withdrawal Charges:*Terminal Illness BenefitHome Health BenefitNursing Home Benefit*See policy for eligiability. Not available in all states.

3 Year: 10, 9, 8

4 Year: 10, 9, 8, 7

5 Year: 10, 9, 8, 7, 6

6 Year: 10, 9, 8, 7, 6, 5

7 Year: 10, 9, 8, 7, 6, 5, 4

8 Year: 10, 9, 8, 7, 6, 5, 4, 3

9 Year: 10, 9, 8, 7, 6, 5, 4, 3, 2

10 Year: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1

18-80Q & NQ Y AL, MS, NY, VT,

WV

OXFORD LIFE INSURANCE COMPANY (OFXD) Rates Effective as of 1-1-19


NEW

15

2.85% 3.25% 3.30% 3.65% 3.50% 3.75% 3.60% 3.65%

January 1, 2019

FIXEDPRODUCTS

Current Interest

Guaranteed Interest

Minimum Premium


Surrender Charges

Issue Ages

MVAY=YesN=No

States NOTAvailable

Sage Choice SPDAwith Bailout Feature

3.00%year 1

2.00%(yrs 1-10 & 3.00%

thereafter)

Single Purchase Payment

$5,000 Q&NQ(no inherited

IRA’s)

Monthly Interest Option (MIO) available for policies with an account valie of $25,000 or greater. Death benefit is equal to contract values as of the date we receive due proof of the Owner’s death Surrender charges and MVA waived upon death of the Owner. Waiver of Surrender

Charge Rider: If the Owner of the contract is confined to a licensed nursing home or hospital for 90 consecutive days or more, the policy accumulation value will be available without a surren-der charge or MVA. This rider is provided at no extra cost. Available thru issue ages. Free Par-tial Withdrawals: Beginning in Year 1 the Owner may make one withdrawal per year up to 10% of the accumulation value without incurring charges. After the first contract year, the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the owner msy request, within 30 days of notification, to receive the

accumulation value without incurring a surrender charge or MVA.

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

15 days to age 90-NQ15 days to age 75-Q

Y(MVA not

available in MO

AK, CT, ME, MI, NE, NH, NY, VT

Milestone MYGA

87.5% of the single premium

paid

$15,000Q-NQ PENALTY FREE WITHDRAWALS

Beginning in the second contract year, the Owner can withdraw 2 up to 10% of the accu-mulation value per year without a surrender charge. The minimum withdrawal is $500.

RENEWAL (PENALTY FREE WINDOW)At the end of a 3 or 5 year guarantee period, a 30-day penalty-free window begins. Writ-ten notice is provided 45 days in advance of the start of the penalty-free window period. During the “window” a full or partial withdrawal may be taken without surrender charge or market value adjustment. If no withdrawal or a partial withdrawal is taken, the initial 3 or 5 year guarantee period will automatically renew with the then-current guarantee interest rate subject to surrender charge and market value adjustment. A 3 year guarantee period may be renewed a second time. After the initial 7 year guarantee period, the second 5 year guarantee period, or the third 3 year guarantee period, renewals are on an annual basis at the then-current guarantee interest rate and withdrawals may be taken at any time without a surrender charge or market value adjustment.

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

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

3 year(9, 8, 7)

15 days to 90 years

Y AK, CA, CT,ME, MT, NY, VT

100K+ 50K+ 15K+

7 Year 3.85% 3.55% 3.05%

5 Year 3.75% 3.15% 2.65%

3 Year 3.05% 2.35% 1.75%

SAGICOR LIFE INSURANCE COMPANY (SAG)

Before sending business to Sagicor: Every agent in all states must have it confirmed

that the product training has been successfully completed.

NEW


16

GUARANTEE PERIOD 100K+ 50K+ 15K+

7 YEAR 3.85% 3.55% 3.05%

5 YEAR 3.75% 3.15% 2.65%

3 YEAR 3.05% 2.35% 1.75%


premium bonus!!! contact us today! · equitrust life market 10 bonus 6.00% for 5yrs 7 5.00% 2.00%...

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