august spreadsheet 888.661 · bonus recovery percent: only applies to full or partial ... the life...

888.661.1999August Spreadsheet http://annuity1.com

$10,000

0-75 8.50%76-80 6.50%

MVA + or -

B+ A.M. Best 10 year $10,000 Outlook Stable 4.50% 0-75 7.00%

30.00% 76-80 6.00%2.25% FL Only 81-85 4.50%4.75% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

45.00% Bonus Recovery Percent6.00%

up to 100.00%0.00% MA, MO, SC, TX

N/A

Bonus Recovery PercentMost states

FL Only

MVA + or - Waiting Period7 year $10,000 2 year

3.75% 12, 12, 11, 10, 9, 7, 4% 0-80 5.50%25.00% FL Only Ages 65-85 81-85 4.00% Qualification2.00% 10, 9, 8, 7, 6, 4, 2% 86-90 3.00%4.00% Bonus Recovery Percent

37.00%7.00%

80.00% MA, MO, SC, TX

1.00% 9.3, 8.4, 7.5, 6.6, 5.7, 4.75, 3.8%

N/A Bonus Recovery Percent2.00%

Most states

MVA + or -

A person for whom Lifetime Withdrawals are

based cannot perform 2 of 6 Activities of Daily Living,

certified by a qualified physician. The impairment began after the policy was issued and is expected to

be permanent.

Maximum Wellness Period: 5 years

Income Doubles for single and 150% for Joint

Income Step Up is Automatic

Can start after 1 year

Death Benefit: Beneficiary(s) will

receive the full Account Value upon

the death of the Owner

Lifetime Withdrawal

Benefit - Automatically included, no

additional charge

Lifetime Withdrawal

Benefit Based on the Account

Value

"Income Doubler"

Wellness Withdrawals - Automatically

included to provide higher withdrawals

during a time of need

$1,000,000 Maximum Premium

Minimum Premium

Bonus Recovery Percent: Only applies to full or partial withdrawal to which a withdrawal charge applies. Bonus is equal to Account Value less Premiums;

including premium bonus and interest credits.

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

Bonus Recovery Percent: Only applies to full or partial withdrawal to which a withdrawal charge applies. Bonus is equal to Account Value less Premiums;


Features

Home Health Care

Benefit 1

Up to 100% of the

Account Value can

be withdrawn

Nursing Home

Benefit 1

Up to 100% of the

Account Value can

be withdrawn

Terminal Illness

Benefit 1

Up to 100% of the

Account Value can

be withdrawn

100%, 95%, 95%, 95%, 95%, 90%, 85%, 80%, 75%, 50%

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

14.75% 13.75% 12.75% 11.75% 10.75% 10% 9% 8% 7% 6% 5% 4% 3% 2%

Bonus Recovery Percent

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

12% 12% 11% 10% 9% 8% 7% 6% 4% 2%

Minimum Premium

Most states

FL Only

0-64 8.50%

Minimum Guarantee

Minimum Premium Iss. Age

3.75%35.00%7.50%80.00%1.00%

N/A

0-80: 5%, 81-85: 3.5%

Premium Bonus

MA, MO, SC, TX

0-80: 5%, 81-85: 3.5%

Click Here for Full Rate Sheet & State Approvals

3.50%22.00%

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY. 1 Terminal Illness, Nursing Home, and Home Health Care waiver not avialble in CA.

Fixed Rate 2.50%Premium Bonus 0-70: 10.00%,

71-80: 5.00%

Barclays Atlas 5 Boost ^

Fixed Rate

0-80:5%, 81-90:2.50%

Monthly Average CapMonthly Average Par

100%, 95%, 90%, 85%, 75%, 50%, 25% $1,000,000 Maximum Premium

Monthly Average Spread

1.90%

Most statesAnnual Pt to Pt Cap

Minimum PremiumAnnual Pt to Pt Par

Annual Monthly Cap

Barclays Atlas 5 AP2P PR RMD's ONLY in the first year

up to

5.00% Premium

Bonus

Barclays Atlas 5 AP2P Spread *

1.75%

0-80:5%, 81-90:2.50%

Premium Bonus

MA, MO, SC, TX

7.00% Premium

Bonus

Barclays Atlas 5 Boost ^ 0.50%

For Financial Strength

Annual Pt to Pt Par 27.00%Annual Monthly Cap 2.00%

Monthly Average Cap 4.25%

FIXE

D IN

DEX

AN

NU

ITY

Denali™Bonus

10Fixed

Indexed Annuity

Click Here for Full Rate Sheet & State Approvals5% of your accumulated

annuity value or RMDs after the

first yr

1.00% on 87.5%

Most statesAnnual Pt to Pt Cap 4.25%

Monthly Average Spread 6.75% RMD's ONLY in the first yearBarclays Atlas 5 AP2P PR

up to

10.00% Premium

Bonus

Monthly Average Spread 5.50%Barclays Atlas 5 AP2P PR 105.00%

Founded in 1935

Monthly Average Par 40.00%

90.00%Barclays Atlas 5 AP2P Spread * N/A

New FIA Annuity Series!

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D IN

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AN

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ITY

Denali™Bonus

7Fixed

Indexed Annuity

5% of your accumulated


first yr

1.00% on 87.5%

9.3% 8.4% 7.5% 6.6% 5.7% 4.8% 3.8% 2.9% 1.9% 0.90%

0-75: 7%, 81-85: 5%

Fixed Rate 2.25% 2.00%

Annual Pt to Pt Cap 5.00%

Barclays Atlas 5 Boost ^ N/A Bonus Recovery Percent: Only applies to full or partial withdrawal to which a withdrawal charge applies. Bonus is equal to Account Value less Premiums;


Monthly Average Par 50.00% RMD's ONLY in the first year

Comm. Income Rider

FIXE

D IN

DEX

AN

NU

ITY

Denali™Bonus

14Fixed

Indexed Annuity

Click Here for Full Rate Sheet & State Approvals 5% of your accumulated


first yr

14 year

Products Current Interest Rates Effective 8-3-2020 Withdrawal Provision Surrender Charge

Equitable Life

& Casualty Insurance Company

Annual Pt to Pt Par 32.00%Annual Monthly Cap 2.50% $1,000,000

Maximum Premium


Barclays Atlas 5 AP2P Spread * 0.25%

1.00% on 87.5%

Equitable Life Denali Bonus 8/6/2020

http://annuity1.com/as_palette/docs/Equitable/Interest_Rates.pdf





















$10,000

0-75 8.50%76-80 6.50%

MVA + or -

B+ A.M. Best 10 year $10,000 Outlook Stable 6.25% 0-75 7.00%

37.00% 76-80 6.00%2.75% FL Only 81-85 4.50%6.75% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%


130.00%N/A MA, MO, SC, TX

1.50%

Bonus Recovery Percent

MVA + or - Waiting Period7 year $10,000 2 year

5.25% 12, 12, 11, 10, 9, 7, 4% 0-80 5.50%32.00% FL Only Ages 65-85 81-85 4.00% Qualification2.50% 10, 9, 8, 7, 6, 4, 2% 86-90 3.00%5.75% Bonus Recovery Percent

50.00%5.25%

110.00% MA, MO, SC, TX

N/A 9.3, 8.4, 7.5, 6.6, 5.7, 4.75, 3.8%


MVA + or -


Bonus Recovery Percent: Only applies to full or partial withdrawal to which a withdrawal charge applies.

Bonus is equal to Account Value less Premiums and includes interest credits.

Maximum Wellness Period: 5 years

Income Doubles for single and 150% for Joint

Barclays Atlas 5 AP2P Spread * 0.00%




Barclays Atlas 5 Boost ^ N/AFixed Rate 2.25% 100%, 90%, 80%, 70%, 60%, 50%, 40%

Monthly Average Spread 5.75%

Terminal Illness

Benefit 1

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

Barclays Atlas 5 AP2P PR 100.00% RMD's ONLY in the first year

Annual Monthly Cap 2.35% Up to 100% of the

Account Value can

be withdrawn

A person for whom Lifetime Withdrawals are

based cannot perform 2 of 6 Activities of Daily Living,

certified by a qualified physician. The impairment began after the policy was issued and is expected to

be permanent.

Monthly Average Cap 5.00%Monthly Average Par 47.00%

100%, 95%, 90%, 85%, 75%, 50%, 25% $1,000,000 Maximum Premium

FIXE

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Denali™7

Fixed Indexed Annuity




first yr

1.00% on 87.5%

Most statesAnnual Pt to Pt Cap 4.75%

Minimum Premium

Bonus Recovery Percent: Only applies to full or partial withdrawal to which a withdrawal charge applies.

Bonus is equal to Account Value less Premiums and includes interest credits.

Annual Pt to Pt Par 30.00%

"Income Doubler"Barclays Atlas 5 AP2P Spread * N/A

Barclays Atlas 5 Boost ^ 0.50% 9.3% 8.4% 7.5% 6.6% 5.7% 4.8% 3.8% 2.9% 1.9% 0.90%

Wellness Withdrawals - Automatically

included to provide higher withdrawals

during a time of need

Fixed Rate

Up to 100% of the

Account Value can

be withdrawn

Monthly Average Spread 5.25% RMD's ONLY in the first year

100%, 95%, 95%, 95%, 95%, 90%, 85%, 80%, 75%, 50%Barclays Atlas 5 AP2P PR 110.00%

3.00% 2.50%


Monthly Average Cap

Founded in 1935

Monthly Average Par 50.00%

Can start after 1 yearAnnual Pt to Pt Cap 5.25% 12% 12% 11% 10% 9% 8% 7%

6% 4% 2%Minimum PremiumFor Financial

StrengthAnnual Pt to Pt Par 32.00% Nursing

Home Benefit 1

Income Step Up is Automatic

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ITY

Denali™10


Click Here for Full Rate Sheet & State Approvals5% of your accumulated


first yr

1.00% on 87.5%

Most states

Annual Monthly Cap 2.50%

New FIA Annuity Series!

5.75%

Lifetime Withdrawal

Benefit Based on the Account

Value

Barclays Atlas 5 AP2P Spread * N/ABarclays Atlas 5 Boost ^ 2.00% Bonus Recovery Percent: Only applies to full or partial

withdrawal to which a withdrawal charge applies. Bonus is equal to Account Value less Premiums and

includes interest credits.

Fixed Rate 3.25%

Up to 100% of the

Account Value can

be withdrawn

Monthly Average Par 65.00% RMD's ONLY in the first year


Monthly Average Spread 3.50%100%, 95%, 95%, 95%, 95%, 90%, 80%, 70%,

60%, 50%, 40%, 30%, 20%, 10%Barclays Atlas 5 AP2P PR 145.00%

Equitable Life


Annual Pt to Pt Par 42.00%Annual Monthly Cap 3.00%

Monthly Average Cap 7.75% Bonus Recovery Percent

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ITY

Denali™14


Most states Home Health Care

Benefit 1

Lifetime Withdrawal

Benefit - Automatically included, no

additional charge

Minimum PremiumAnnual Pt to Pt Cap 6.75%

14.75% 13.75% 12.75% 11.75% 10.75% 10% 9% 8% 7% 6% 5% 4% 3% 2%

FL Only

0-64 8.50%

Click Here for Full Rate Sheet & State Approvals 5% of your accumulated


first yr

14 year1.00% on

87.5%

Minimum Guarantee

Minimum Premium Iss. Age Comm. Features Income RiderProducts Current Interest Rates Effective 8-3-2020 Withdrawal

Provision Surrender Charge

Equitable Life Denali 8/6/2020






















$10,000

0-75 9.00%76-80 7.00%

Salt Lake City, B+ A.M. Best 10 year $10,000

Outlook Stable 4.00% 0-75 7.25%25.00% 76-80 6.00%2.00% FL Only Ages 65-85 81-85 4.50%4.25%40.00%6.75%

up to 85.00%0.75%

N/A1.85%

N/A

MVA + or -

CA Only 7 year $10,000 3.50% 3.25% 3.00% 0-80 5.50%22.00% 20.00% 20.00%1.85% 1.75% 1.75% 12, 12, 11, 10, 9, 7, 4% 81-85 4.00%3.75% 3.25% 3.00% FL Only Ages 65-85 86-90 3.00%35.00% 30.00% 30.00%7.50% 8.25% 8.50%75.00% 65.00% 60.00%1.50% 2.00% 2.25%

N/A N/A N/A1.60% 1.35% 1.20%

CA only9, 8, 7, 6, 5, 3.9, 2.8%

MVA + or -

0-80:5%, 81-90:2.50%

Current Interest Rates Effective 8-3-2020


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

WI

AK, CT, DE, MA, MO, NV, OH, OR, PA, SC, TX, UT,

VT, WA

9.3, 8.4, 7.5, 6.6, 5.7, 4.75, 3.8%

10, 9, 8, 7, 6, 4, 2%

9.3% 8.4% 7.5% 6.6% 5.7% 4.8% 3.8% 2.9% 1.9% 0.90%

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

Premium Bonus


Annual Pt to Pt Cap

Annual Pt to Pt Par

Annual Monthly Cap

35.00%

75.00%1.50%

N/A1.60%

Annual Monthly CapMonthly Average Cap


5% is cumulative to 30% if free withdrawal is not taken

27.00%

Minimum Guarantee

Minimum Premium Iss. Age Comm.

7.00% *FL Only 5%

Most statesFixed Rate

Barclays Atlas 5 AP2P PR


Annual Pt to Pt CapAnnual Pt to Pt Par

Monthly Average Spread RMD's ONLY in the first year

Premium Bonus

5% is cumulative to 30% if free withdrawal is

not taken


Minimum Premium



Minimum Premium

1.00% on 87.5%

Fixed Rate Most States

1.85%3.75%

Features

FIXE

D IN

DEX

AN

NU

ITY 5% of your

accumulated annuity value or RMDs after the

first yr

Products Withdrawal Provision Surrender Charge

Most states14 year

14.75% 13.75% 12.75% 11.75% 10.75% 10% 9% 8%

7% 6% 5% 4% 3% 2%FL Only

0-64 9.00%

MVA + or -


Annual Pt to Pt Cap

Equitable Life


Teton™Bonus

14Fixed

Indexed Annuity


4.50%1.00% on

87.5%

10.00% Premium

Bonus

2.25%4.50%

42.00%6.25%

95.00%0.25%

N/A2.10%



12% 12% 11% 10% 9% 8% 7% 6% 4% 2%

CA: 9.8% 8.9% 7.9% 6.9% 6% 5% 3.9% 2.9% 1.9% 0.90%


receive the full Account Value

upon the death of the Owner

5.00% Premium

Bonus (up to)


Fixed Rate

0-80:5%, 81-90:2.50%

0-80:5%, 81-90:2.50%

5% is cumulative to 30% if free withdrawal is

not taken

7.00% Premium

Bonus

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ITY

Monthly Average Cap


Monthly Average Par

Fixed Rate CA only 1.50%5.00%

7.75%

Home Health Care

Benefit 1

Up to 100% of

the Account

Value can be

withdrawn

Nursing Home

Benefit 1

Up to 100% of

the Account

Value can be

withdrawn

Terminal Illness

Benefit 1

Up to 100% of the

Account Value can

be withdrawn

Most states

Minimum Premium

Monthly Average Par $1,000,000 Maximum Premium


AK, CT, DE, MA, MO, NV, OH, OR, PA, SC, TX, UT, WA



first yr



first yr

3.50%22.00%

RMD's ONLY in the first year

Annual Monthly Cap

Monthly Average Par

Annual Pt to Pt Par

Monthly Average Cap

1.00% on 87.5%

Barclays Atlas 5 AP2P PR RMD's ONLY in the first year

FIXE

D IN

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AN

NU

ITY


Teton™Bonus

10Fixed

Indexed Annuity

Teton™Bonus

7Fixed

Indexed Annuity

Founded in 1935


Equitable Life Teton Bonus 8/6/2020





















$10,000

0-75 9.00%76-80 7.00%

Salt Lake City,

B+ A.M. Best 10 year $10,000 Outlook Stable Most States 0-75 7.25%

12%,12%,11%,10%,9%,8%,7%,6%,4%,2% 76-80 6.00%

5.50% *FL Ages 65-85 81-85 4.50%

35.00% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

2.50% AK, DE, MA, MO, NV, OH, OR, PA, SC, TX, UT, VT, WA

5.75%50.00%5.00% CA only

115.00%N/A

0.50%2.60% MVA + or -

7 year $10,000 Most States 0-80 5.50%

12, 12, 11, 10, 9, 7, 4% 81-85 4.00%

4.75% 4.50% 4.00% 86-90 3.00%30.00% 27.00% 25.00%2.25% 2.25% 2.00% 10, 9, 8, 7, 6, 4, 2%

5.00% 4.75% 4.25%47.00% 45.00% 40.00%5.75% 6.25% 6.75%

100.00% 95.00% 90.00%0.00% 0.25% 0.50% CA only

N/A N/A N/A2.35% 2.10% 1.75% MVA + or -

Up to 100% of

the Account

Value can be

withdrawn

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

9.3, 8.4, 7.5, 6.6, 5.7, 4.75, 3.8%

9, 8, 7, 6, 5, 3.9, 2.8%

9.3% 8.4% 7.5% 6.6% 5.7% 4.8% 3.8% 2.9% 1.9% 0.90%

9.8% 8.9% 7.9% 6.9% 5% 3.9% 3.8% 2.9% 1.9%

0.90%

*FL Ages 65-90

125.00%N/A

1.25%2.85%AK, CA, DE, MA, MO, NV, OH, OR, PA, SC, TX, UT,

WA

4.75%30.00%2.25%5.00%

Minimum Premium


Most states

Minimum Premium


FeaturesIss. Age Comm.


Home Health Care

Benefit 1

Up to 100% of

the Account

Value can be

withdrawn

Nursing Home

Benefit 1

Terminal Illness

Benefit 1

Up to 100% of the

Account Value can

be withdrawn


receive the full Account Value

upon the death of the Owner

Most states

FIXE

D IN

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AN

NU

ITY Teton™

14Fixed

Indexed Annuity

Click Here for Full Rate Sheet 5% of your accumulated


first yr0-64 9.00%

Most states

FL Only

Barclays Atlas 5 AP2P PRBarclays Atlas 5 AP2P Spread *

Products

Monthly Average Par RMD's ONLY in the first yearMonthly Average Spread

MVA + or -


Monthly Average Cap


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

6.00%37.00%2.75%

47.00%5.75%

100.00%0.00%

Equitable Life


Annual Pt to Pt ParAnnual Monthly Cap

1.00% on 87.5%

Minimum Premium

Withdrawal Provision Surrender Charge

14 year

14.75% 13.75% 12.75% 11.75% 10.75% 10% 9%

8% 7% 6% 5% 4% 3% 2%

Minimum Guarantee

Annual Pt to Pt Cap

5% is cumulative to 30% if free withdrawal is not taken


Fixed Rate

Minimum Premium

6.50%55.00%4.50%

5% is cumulative to 30% if free withdrawal

is not taken


Fixed Rate



Founded in 1935

Annual Monthly CapMonthly Average Cap RMD's ONLY in the first

year

FIXE

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AN

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ITY

Teton™10


Click Here for Full Rate Sheet

AL, AR, AZ, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE,

NH, NM, ND, OK, RI, SD, TN, VT, WV, WI, WY



first yr

Monthly Average ParMonthly Average Spread



Fixed Rate


For Financial Strength Annual Pt to Pt Cap

Annual Pt to Pt Par

1.00% on 87.5%

N/A2.35%

CA Only

Monthly Average Cap RMD's ONLY in the first yearMonthly Average Par


5% is cumulative to 30% if free withdrawal

is not taken



first yr

1.00% on 87.5%

Annual Pt to Pt CapAnnual Pt to Pt Par

Annual Monthly Cap

FIXE

D IN

DEX

AN

NU

ITY

Teton™7


Click Here for Full Rate Sheet

AL, AR, AZ, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA,

MD ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD, TN, VT,

WV, WI, WY

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

Equitable Life Teton Non-Bonus 8/6/2020


















75-85

Lincoln, NE

B++A.M. Best

Founded in 1957!

10% 75-85

Premium Bonus 0-74

7%

Premium Bonus 75-85

$100K+ $15k-$99.9K 1.00%

0-80

27.00% 25.00%Portland, Oregon 2.00% 2.00% 86-93

A ExcellentA.M. Best

$30.17 Billion in Assets under manangement as

of 12/31/2017

0-80

A1 81-85

Good 86-93Moody's

Interest Credit Options

90% of premiums paid, less withdrawal proceeds

Iss. Age CommissionsMinimum

Premium Features

$15,000NQ or Q

Option A

2.00%1.00%0.77%

No chargeback on death of an owner or annuitant 85 or younger at issue

$100K+ $15k-$99.9K Effective 8/1/20

S&P 500 Annual Point to Point with a Participation Rate

81-85 1.50%No chargeback on death of an owner or annuitant 85 or younger at issue

1yr Fixed Rate

Interest Credit Options Effective 8/1/20

1.35%Option B & C Trail Options available

10.00% ofContract

ValueAnnually,StartingYear 2.

RMD withdrawals

Janus SG Guidance Index: Value Lock 2-Year Point-to-Point with a Participation Rate

American Select Bonus FIAInterest Credit Options

S&P MARC 5 ER Annual Point-to-Point Par with a Participation Rate

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.

FIXE

D A

NN

UIT

Y

Enhanced Focused Growth Annuity

5

$20,000NQ or Q

Index Select

Annuity 5

S&P 500 Annual Point to Point with a Cap 4.00% 3.75%

Guaranteed Minimum Accumulation Benefit105% of Premium Guaranteed regardless of index performance.

2.25% Guaranteed for 5 years

2.15% Guaranteed for 5

years

Withdrawal Provision

Surrender Charge

Minimum Guarantee

Interest Withdrawals

&RMD

withdrawals

5 Year9.4%,

8.5%,7.5%, 6.5%, 5.5%+ or - MVA

Full Accumulated Value at Death

T.I.& N.H. Waiver

American Select FIA

$15,000NQ or Q

Option A87% of

premiums paid, less withdrawal

proceeds, at Minimum

Guaranteed Interest,

compounded annually.

3.00%

10.00% ofContract


RMD withdrawals

10 Year

9%, 8.1%, 7.2%, 6.3%, 5.4%, 4.5%, 3.6%, 2.7%,

1.8%, 0.9%

1.00% American Select FIA

87% of premiums paid, less withdrawal



compounded annually. Click Here for details

(Page 2)

4.00%

5 Year

7%, 6%, 5%, 4%, 2%, then

0%

+ or - MVA for 5 years

FeaturesProducts Withdrawal Provision

Surrender Charge

Current Interest Rates

Rates Effective 6/8/20Minimum Guarantee

Minimum Premium

Iss. Age Commissions

S&P 500 Annual Point to Point with a CapS&P 500 Annual Point to Point with a

Participation Rate

5.50%35.00%

110.00%

90.00%

0-74 7.00%

S&P MARC 5 ER Annual Point-to-Point Par with a Participation Rate

Janus SG Guidance Index: Value Lock 2-Year Point-to-Point with a Participation Rate

Fixed Interest Initial Guaranteed Rate 2.00%

Bonus versions now available with a up to a 10% bonus with no fee or up to a 16% bonus with a 80bps fee. Click Here (see page 2)

S&P 500 Annual Point to Point with a Participation Rate 22.50% 87% of

premiums paid, less withdrawal



compounded annually. Click Here for details

(Page 2)

65.00% 4.00%

55.00%

Fixed Interest Initial Guaranteed Rate

State approvals 4-27-20

AZ, CO, DC, HI, IL, IN, IA, LA, MO, MT, NE, NV, NM, OH, OK, TX, and UT

Death Benefit

1.45%

American Life & Security Life

Corp

10 Year

9%, 8.1%, 7.2%, 6.3%, 5.4%, 4.5%, 3.6%, 2.7%,

1.8%, 0.9%

Premium Bonus Vesting

10% Per year

Bonus versions now available with a up to a 10% bonus with no fee or up to a 16% bonus with a 80bps fee. Click Here (see page 2)

American Select

Bonus FIA

FIXE

D IN

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AN

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ITY

FIXE

D IN

DEX

ANN

UIT

Y

State approvals 4-27-20

AZ, CO, DC, HI, IL, IN, IA, LA, MO, MT, NE, NV, NM, OH, OK, TX, and UT

Greater of Vested Contract Value and

Minimum Guaranteed Cash Surrender Value


The Standard — Standard Insurance

Terminal Illness WaiverNursing Home Waiver


5.00% ofContract


RMD withdrawals

1.00%

$20,000NQ or Q

S&P 500 Annual Point to Point with a Cap 3.50%0-74 7.00%

American Life /Standard Insurance 8/6/2020

http://annuity1.com/as_palette/docs/ALS/Amer_Life_Sec_RateSheet_08-05-19.pdf











0 -75 6.50%76-80 4.75%

One-year Monthly Average with a Cap 2.00%

Declared Rate on Index Gain 1.75%

MVA + or - 0 -64 6.50%Fixed Interest Option 1.00% NO MVA in IL or

MO

0 -75 6.50%76-80 4.75%

One-year Monthly Average with a Cap 2.00%

Declared Rate on Index Gain 1.75%

MVA + or - 65-75 6.50%Fixed Interest Option 1.00% NO MVA in AK,

MN, OR, PA, WA 76-80 4.75%

S&P BBB+ (Good) for

financial strength. Ratings as of 9/20/18

and subject ot change.


Surrender Charge(Rates Subject to Change)

Rates Effective 8/8/2020

1.10%

2.00%10.00% of

vested account

value after the 1st year

10 YearThe minimum guaranteed surrender value on a full

surrender is 87.5% of premium, plus daily

interest accruing at the MGSV accumulation

interest rate, less rider charges if any. That rate is between 1% and 3%,

depending on issue state, is set at issue and fixed

for the life of the contract. MGSV is reduced by prior

surrenders and is adjusted for any

reallocations.

$10,000NQ or Q $2,000

minimum for any

additional premiums.

$2,000 minimum premium per index crediting option.

AR, AZ, CO, DC, FL*, GA, HI, IA, IL, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NM, RI, SD, TN, VA, WI, WV, WY

12% 11% 10% 9% 8% 7% 6% 5% 4%

3% then 0%

Products

Fitch

BBB (Good) for financial strength.

Ratings as of 11/20/18 and subject ot change.

One-year Monthly Point-to-Point with a Cap

One-year Annual Point-to-Point with a Cap

Fidelity & Guaranty Life Insurance Company

Des Moines, IA

A.M. Best

A- (Excellent) for

financial strength. Ratings as of 11/20/18 and subject

ot change.

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One-year Monthly Point-to-Point with a Cap 1.10%

One-year Annual Point-to-Point with a Cap

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AK, CA, DE, FL*, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT,

WA : 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, then 0%

Premium Bonus is vested over 10yr Surrender Charge

Term

Safe Income Plus FPDA

6.00% Premium

Bonus

10.00% of vested account


10 Year

FL ONLY*

$10,000NQ or Q $2,000

minimum for any



AK, CA, DE, FL*, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA

Enhanced Guaranteed Minimum Withdrawal Benefit Rider

(GMWB/EGMWB) Now Included in all policies

Moody's Baa2 (Good) for

financial strength. Ratings as of 1/18 and

subject ot change.

ESTABLISHED in 1959

Death Benefit is the greater of the MGSV or the account

value. Any Premium Bonuses are 100% vested at death.

Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider, and Terminal Illness Rider. Subject to State AvailablityNo Agent Commission Chargebacks upon death of the owner. However, 100% commission chargeback for full and partial surrenders that exceed the free amount (if any) during first 12 months

and 50% during the second 12 month months.

Impairment Protection aka Income Doubler

(not approved in HI, MN, OR, PA, WA)

200% of Single Payout and 150% of Joint Payout

Annual Rider Charge is 1.15%

Premium Growing at 6.00% Compounded for

10 yrs

Annual Roll-up Rate

if client cannot perform 2 out of 6 ADL's

Restart of the Rider for another 10 years is available.

The minimum guaranteed surrender value on a full

surrender is 87.5% of premium, plus daily

interest accruing at the MGSV accumulation

interest rate, less rider charges if any. That rate is between 1% and 3%,

depending on issue state, is set at issue and fixed

for the life of the contract. MGSV is reduced by prior

surrenders and is adjusted for any

reallocations.

2.00%

Premium Bonus is vested over 10yr Surrender Charge

Term FL Only*

Safe Income Plus FPDA

7.00% Premium

Bonus

Premium Bonus is included in the income value.

Death Benefit

Minimum Guarantee

Minimum Premium

Iss. Age

Commission Rev. 1/31/20 Features (rev. 4/21/20)

7.00% Vested Premium Bonus

ALL ISSUE AGES

FG Life 8/6/2020



One-year Annual Point-to-Point with a Cap 3.50%

Two -year Point-to-Point with a Cap 8.25% 0 -75 7.50%Three-year Point-to-Point with a Cap 14.25% 76-80 5.75%

One-year Gold Commodity Annual Point-to-Point with a Cap 4.50%

0 -64 7.50%Fixed Interest Option 1.50%


One-year Annual Point-to-Point with a Cap 3.50%

Two -year Point-to-Point with a Cap 8.25% 0 -75 7.50%Three-year Point-to-Point with a Cap 14.25% 76-80 5.75%


65-75 7.50%Fixed Interest Option 1.50% 76-80 5.75%

Most States5 Year

9%, 8%, 7%, 6%, 5%

MVA + or - 80 - 90 1.00%3 Year

MVA + or - 80 - 90 0.750%

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Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider, and Terminal Illness Rider. Subject to State AvailablityNo Agent Commission Chargebacks upon death of the owner. However, 100% commission chargeback for full and partial surrenders that exceed the free

amount (if any) during first 12 months and 50% during the second 12 month months. INCLUDING RMDs!



subject ot change.

Performance Pro FPDA

up to7.00% Premium

Bonus Bonus is credited on all

premiums received in the first year

10.00% of account


1.50%

S&P BBB+ (Good) for

financial strength. Ratings as of 9/20/18 and subject ot change.

ESTABLISHED in 1959


100% ofAll

Cumulative Interest.

Interest Only After 30

Days

1.00%

Min: $20,000 NQ

or Q Max without

H.O. Approval $1M

5 Year PlatinumFG Guarantee-Platinum 5 ®

5 year2.90%

Guaranteed 5 years

2.25% Guaranteed 3 years

FG Guarantee-Platinum 3 ®

3 year

9%, 8%, 7%

Limited Time Interest Rate Special - E-app Only!

• Full Value at Death of Owner• Terminal Illness Waiver• Nursing Home Waiver

0 - 79 2.00%

3 Year Platinum

0 - 79

Two Year Barclays Trailblazer Sectors 5 Index with Spread

Death Benefit is the greater of the MGSV or the account

value. Any Premium Bonuses are 100% vested

at death.

Premium Growing at 2.75% Compounded PLUS

Interest Earned for up to 20 yrs

Death Benefit


NO MVA in AK, MN, OR, PA, WA

Rider Income Doubler (not approved in HI, IL, MN,

OR, PA, WA)

AK, CA, DE, FL*, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA :

The minimum guaranteed surrender

value on a full surrender is 87.5% of premium,

plus daily interest accruing at the MGSV accumulation interest

rate, less rider charges if any. That rate is between 1% and 3%, depending on issue state, is set at

issue and fixed for the life of the contract. MGSV is

reduced by prior surrenders and is adjusted for any

reallocations.

$10,000NQ or Q $2,000

minimum for any



AK, CA, DE, FL*, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT,

WA : 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, then 0%

Premium Bonus is vested over 10yr

Surrender Charge Term

FL ONLY*Two Year Barclays Trailblazer Sectors 5 Index with Spread

0.00% 2yr spread

Premium Bonus is not included in the income value.

10 YearEnhanced Guaranteed Minimum

Withdrawal Benefit Rider (EGMWB) Now Included in all policies

NO MVA in MO

Fidelity & Guaranty Life Insurance Company

Des Moines, IA

A.M. Best

A- (Excellent) for

financial strength. Ratings as of 11/20/18 and subject

ot change.







reallocations.

$10,000NQ or Q $2,000

minimum for any



FL Only*

14% 13% 12% 11% 10% 8% 6% 4% 2%

1% then 0%

Premium Bonus is vested over 10yr


10 Year

0.00% 2yr spread

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FPDA

up to9.00% Premium

Bonus Bonus is credited on all

premiums received in the first year.

10.00% of account


Minimum Premium

Iss. Age

Commission Rev. 1-31-20 Features (rev. 4/21/20)

5.00% Bonus 76-80

EGMWB Rider Features

Annual Rider Charge is 1.30%

Vested Premium Bonus

9.00% Bonus 0-75

AR, AZ, CO, DC, FL*, GA, HI, ID, IL, KS, KY, LA, MD, ME, MI, MO, MT, NC, NE, ND, NM, SD, TN, WI, WV,

WY

ProductsRates Effective 8/8/2020 Minimum

GuaranteeWithdrawal Provision


FG Life 8/6/2020

http://annuity1.com/as_palette/docs/OMFN/OMFN_Performance_Pro_Barclays_Trailblazer_Sectors_5_Index_Brochure.pdf







Interest Crediting Options Fee* No Fee

One-year Monthly Point-to-Point with a Cap 2.60% 1.75%

One-year monthly average with a cap2 6.50% 3.50%

One-year Annual Point-to-Point with a Cap 6.50% 4.00% 0 -70 6.50%

71-80 4.50%81-85 3.25%

One-year annual point-to-point fixed declared rate on

index gain5.75% 3.75%

One-year Annual Point-to-Point with a Par Rate 40.00% N/A

Fixed Interest Option N/A 1.00%

Interest Crediting Options Fee* No Fee

One-year Monthly Point-to-Point with a Cap 2.50% 1.75%

One-year monthly average with a cap2 6.25% 3.25%

One-year Annual Point-to-Point with a Cap 6.25% 3.75% 0 -70 4.50%

71-80 3.50%

81-85 2.75%

One-year annual point-to-point fixed declared rate on

index gain5.75% 3.50%

One-year Annual Point-to-Point with a Par Rate 40.00% N/A

Fixed Interest Option N/A 1.00%

Fitch


Ratings as of 11/20/18 and subject ot change

S&P BBB+ (Good) for





subject ot change.

ESTABLISHED in 1959

*Interest Crediting Options are available with or without a 1.25% fee. The Fee is only assessed on the

money allocated to that option.

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Life Insurance Company Des Moines,

IA

A.M. Best

A- (Excellent) for

financial strength. Ratings as of 11/20/18 and

subject ot change.

FG AccumulatorPlus®

7

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY. 1 Barclays Trailblazer not available in IA, NH 2 Monthly Average w/Fee not available in MN, OR, PA, WA

Account value or MGSV (whichever is greater) paid

at death – no surrender charges or MVA.

*Interest Crediting Options are available with or without a 1.25% fee. The Fee is only assessed on the

money allocated to that option.

FG Accumulator

Plus® 7

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Surrender charges and MVA will be waived on withdrawals made

duringthe period of confinement. Must be

confined for 60 days and confinement begins after year 1.

Barclays Trailblazer Sectors 5 Index1

150% Par rate 2yr

110% Par rate 2yr

10.00% of account


(Systematic withdrawals

available on a monthly,

quarterly or semi-annual

basis)

7 Year

9% 9% 8% 7% 6% 5% 4% then 0%

Terminal Illness Benefit:

Surrender charges and MVA will be waived during terminal

illness.Diagnosis made after year 1.

Lower surrender charges apply in AK, CA, DE, FL (issue ages 65 and older),

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

UT, WA.

FG Accumulator

Plus®

10(Systematic withdrawals

available on a monthly,

quarterly or semi-annual

basis)







reallocations.

Barclays Trailblazer Sectors 5 Index1

160% Par rate 2yr

120% Par rate 2yr

10.00% of account

value after the 1st year Surrender charges and MVA

will be waived on withdrawals made while the

annuitant requires Home Health Care Services. Available after year 1.

Not available in MA.

NO MVA in AK, IL, MN, MO, OR, PA, &

WAUT, WA.







reallocations.

$10,000NQ or Q $2,000

minimum for any



Death Benefit

Not available in FL, ID, MA.

Nursing Home Benefit:NO MVA in AK, IL, MN, MO, OR, PA,

& WA

FG AccumulatorPlus®

10

SURRENDER CHARGE WAIVERS

12% 11% 10% 9% 8% 7% 6% 5% 4%

3% then 0% Home Health Care

10 Year

$10,000NQ or Q $2,000

minimum for any



Minimum Guarantee

Minimum Premium

Iss. Age

Commission Rev. 1-31-20 Features (rev. 7/12/19)


Surrender Charge(Rates Subject to Change)Products


FG Life 8/6/2020










1-Year S&P® Monthly Pt-to-Pt 1.85% 0 -70 8.00%S&P® Monthly Average 4.50% 71-75 6.00%

S&P® 1-year Annual Pt to Pt 4.25% 76-85 4.00%

0 -64 8.00%Barclays Trailblazer Sectors 5 Index 120% Par

rate 2yrIndex Gain Option with Declared Rate 3.75%

Fixed 1.50%1-Year S&P® Monthly Pt-to-Pt 1.85% 0 -70 7.00%

S&P® Monthly Average 4.50% 71-75 5.25%

S&P® 1-year Annual Pt to Pt 4.25% 76-85 3.50%

NO MVA in AK, IL, MD, MN, NC, OR, PA,VT, WA

Index Gain Option with Declared Rate 3.75%

Premium Bonus is vested over Surrender

Charge Term

Barclays Trailblazer Sectors 5 Index120% Par

rate 2yr

Fixed 1.50%1-Year S&P® Monthly Pt-to-Pt 1.85% 0 -70 6.00%

S&P® Monthly Average 4.50% 71-75 4.00%S&P® 1-year Annual Pt to Pt 4.25% 76-85 3.00%

NO MVA in AK, IL, MD, MN, NC, OR, PA,VT, WA

Index Gain Option with Declared Rate 3.75% Premium Bonus is vested over


Barclays Trailblazer Sectors 5 Index125% Par

rate 2yr

Fixed 1.50%



subject ot change

ESTABLISHED in 1959

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Products

Enhanced Prosperity Elite 14

7.00% Premium

Bonus on 1st Yr Premium with Protection Pakage issue ages 0-70. 3.75% Bonus

issue ages 71+


6.00% Premium


issue ages 71+

Fidelity & Guaranty Life Insurance

Company Des Moines, IA

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S&P BBB+ (Good) for




4.00% Premium


issue ages 71+

Additional Features of Note: 100% Home Health Care Rider, Nursing Home Rider &Terminal Illness Rider. Subject to State AvailablityNo Agent Commission Chargebacks upon death of the owner. However, 100% commission chargeback for full and partial surrenders that exceed the free amount (if any) during first 12 months and

50% during the second 12 month months.

Rates Effective 8/8/2020 Withdrawal Provision(Rates Subject to Change)

Comm. Rev. 1-31-20

12, 11 10, 9, 8, 7, 6, 5, 4, 3, then 0%

MVA + or -

10 Year

$10,000NQ or Q







reallocations.

Lower Surrender charges & Premium Bonus Variation in

AK, CA, DE, FL,* MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX,

UT, WA - *for 65-85

Prosperity Elite Series Agent Highlights

F&G Life State Approvals



One-year Gold Commodity Annual Point-to-Point with a Cap

Features (rev. 2/21/20)Surrender

ChargeMinimum

GuaranteeMinimum Premium

Iss. Age

Rider Charge is 1.50%



14 Year

$10,000NQ or Q FL Only

Protection Rider Pakage or Enhancement Rider Pakage now required. Protection Rider

Pakage shown

4.00% Bonus on 7 yr

14.75, 13.75, 12.75,11.75,10.75,

10, 9, 8, 7, 6, 5, 4, 3, 2, then 0% MVA +

or -

NO MVA in IL, MD, NC & VT

Vested Premium Bonus

7.00% Bonus on 14 yr

6.00% Bonus on 10 yr







reallocations.

Max issue age for the 14yr is 64 in FL.

Enhanced Guaranteed Minimum Withdrawal Benefit Rider (GMWB)

Income Base is the Greater of:

Premium Plus 18.00% Income Rider Bonus OR

Rider Income Doubler

Premium Growing at 5.00% Compounded for up to 20 yrs


10, 9, 8, 7, 6, 5, 4, then 0% MVA + or

-


Enhanced Guaranteed Minimum Death Benefit

Death Benefit is the greater of:

7 Year

$10,000NQ or Q



Quick LinksOne-year Gold Commodity Annual

Point-to-Point with a Cap 5.50%

OR Premium+Bonus Growing at 4.00% Simple Interest for 10 years or age 85

Annuity's account Value OR Income base (roll up will stop at the earlier of age 85 or 10 yrs) taken over at least five years (10 years if age 71 or older)

Lower Surrender charges & Premium Bonus Variation in

AK, CA, DE, FL,* MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX,

UT, WA - *for 65-85







reallocations.

5.50%


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A.M. Best

A- (Excellent) for

Fitch



FG Life 8/6/2020



http://annuity1.com/as_palette/docs/OMFN/Interest_Rates.pdf

http://www.annuity1.com/as_palette/docs/omfn/fg_prosperityelite14_agent_highlights.pdf








$5,000

Non-qualifed

OR

Qualifed 76-80 4.90%81-85 2.65%

MVA + or -

76-80 5.40%81-85 3.15%

76-80 5.90%

81-85 4.90%

MVA + or -

MVA + or -


This rider provides a stream of income payments to the owner.

GLWB CalculationThe GLWB is based on the greater of the Accumulation Value or Initial Premium less withdrawals plus the GLWB

Bonus multiplied by the GLWB Payout Factor.

Goldman Sachs Motif Aging of America Dynamic

Balance Index 1 Year Point-to-Point with Participation Rate

75.00% Goldman Sachs Motif Aging of America Dynamic Balance Index Brochure

Goldman Sachs Motif Aging of America Dynamic Balance Index White Paper Goldman Sachs Motif

Aging of America Dynamic Balance Index 3 Year Point-to-Point with Participation Rate

140.00% Full Vested Accumulation Value

at Death

32.00%

This is First Thematic Based Index available in a fixed

indexed annuity!

S&P 500® 1 Year Point-to-Point with Participation

Rate

Founded in 1925!

Annual Buy up rider costs 1.25%No Agent

Commission Chargeback at

Death Ages 0-80!

A maximum of two withdrawals are allowed each Contract Year

Exciting New Limted

Distribution Product

Index crediting strategies With (GLWB) Rider OR NO Rider

200.00%



Charleston, SC

B++ 10 year

A.M. Best

10% 9% 8% 7% 6% 5% 4%, then 0%

Cases below $10,000 MUST be submitted

via e-app effective April 1,

2020

0-75 7.15%

10 yearS&P 500® 1 Year Point-to-

Point with Cap 5.00% PRODUCT INFO LINKS

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

then 0%

Agent Highlights (Most States except FL)

Agent Highlights (FL Only)

6.15%S&P 500® 1 Year Point-to-

Point with Cap 7.50%10% 9% 8% 7% 6%

then 0%

This rider provides higher Cap and Participation Rates to the

Index Accounts than those Caps and Participation Rates of the

annuity without the rider.

Growth Benefit: Accumulation Buy-Up Rider Issue Age: 0-85

5% of your accumulated annuity value

after the first yr

5 year

1.00% on 87.5%

5 yearRETIREMENT PLUS MULTIPLIERSM has a choice of an Income

rider, a Growth Benefit Rider (BUY up rider for

a fee) , OR No Rider

7 year

Income Multiplier: Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Issue Age: 55-

85

Atlantic Coast Life Insurance

Company


Rate47.00% 7 year



125.00% Required Minimum

Distributions are available Penalty Free

during the first Policy Year

and thereafter


without Home Office Approval

0-75

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RETIREMENT PLUS

MULTIPLIERSM

ANNUITYFixed Indexed

Annuity

0-75

6.65%

Index crediting strategies With Buy-Up Rider

Annual Income rider cost 0.95%.

Products Current Interest Rates Effective 4-1-20

Withdrawal Provision Surrender Charge Minimum

GuaranteeMinimum Premium Iss. Age Comm.

Rev. 1-1-19Features

Sentinel Security Life Insurance Company 8/6/2020

http://annuity1.com/as_palette/docs/ACL/ACL_RPM_Quicksheet.PDF







http://annuity1.com/as_palette/docs/ACL/ACL_RPM_Quicksheet-FL.PDF







http://annuity1.com/as_palette/docs/ACL/ACL_GS_Motif_Index_Brochure.pdf







http://annuity1.com/as_palette/docs/ACL/ACL_GS_Motif_Aging_White_Paper.pdf


















$5,000

Non-qualifed

OR

Qualifed 76-80 4.75%81-85 2.50%

MVA + or -

76-80 5.25%81-85 3.00%

76-80 5.75%

81-85 4.75%

MVA + or -

MVA + or -

Required Minimum

Distributions are available Penalty Free

during the first Policy Year

and thereafter

A maximum of two withdrawals are allowed each Contract Year

5 year

10% 9% 8% 7% 6% then 0%

10% 9% 8% 7% 6% 5% 4%, then 0%

10 year

Agent Highlights (Most States except FL)

Agent Highlights (FL Only)

Income Multiplier: Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider Issue Age: 55-

85PRODUCT INFO LINKS

1.00% on 87.5%

This rider provides higher Cap and Participation Rates to the

Index Accounts than those Caps and Participation Rates of the

annuity without the rider.

RETIREMENT PLUS MULTIPLIERSM has a choice of an Income

rider, a Growth Benefit Rider (BUY up rider for

a fee) , OR No Rider

Growth Benefit: Accumulation Buy-Up Rider Issue Age: 0-85

No Agent Commission

Chargeback at Death Ages 0-80!

Cases below $10,000 MUST be submitted

via e-app effective April 1,

2020



5 year0-75 6.00%


7 year



125.00%

5% of your accumulated annuity value

after the first yr7 year

0-75 6.50%

10 year

0-75 7.00%

Full Vested Accumulation Value

at Death

This is First Thematic Based Index available in a fixed

indexed annuity!

Goldman Sachs Motif Aging of America Dynamic Balance Index Brochure

Goldman Sachs Motif Aging of America Dynamic Balance Index White Paper

This rider provides a stream of income payments to the owner.

GLWB CalculationThe GLWB is based on the greater of the Accumulation Value or Initial Premium less withdrawals plus the GLWB

Bonus multiplied by the GLWB Payout Factor.

Index crediting strategies With Buy-Up Rider



S&P 500® 1 Year Point-to-Point with Cap 5.00%

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

then 0%


Rate32.00%

A.M. Best

Founded in 1957!

Salt Lake City, UT

B++

Sentinel Security Life

Insurance Company


Rate47.00%

S&P 500® 1 Year Point-to-Point with Cap 7.50%

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Annual Buy up rider costs 1.25%



200.00%

Index crediting strategies With (GLWB) Rider OR NO Rider

RETIREMENT PLUS

MULTIPLIERSM

ANNUITYFixed Indexed

Annuity



Annual Income rider cost 0.95%.

75.00%

140.00%

Exciting New Limted

Distribution Product



GuaranteeMinimum Premium Iss. Age Comm. Features


http://annuity1.com/as_palette/docs/SSL/SSL_RPM_Quicksheet.PDF







http://annuity1.com/as_palette/docs/SSL/SSL_RPM_Quicksheet-FL.PDF







http://annuity1.com/as_palette/docs/SSL/SSL_GS_Motif_Index_Brochure.pdf







http://annuity1.com/as_palette/docs/SSL/SSL_GS_Motif_Aging_White_Paper.pdf


















Effective 6-11-20

$5,000

Charleston, SC MVA + or -

$1,000,000

Min. Participation Rate is 10%

$5,000

MVA + or -

A.M. Best

$1,000,000

1. Accumulation/No Fee rider (Interest Based Income and Death benefit)a. Premium Bonuses will be credited to the Accumulation Value and the Benefit basei. 10% Premium Bonus on 10-year (10% Ages 0-70; 8% Ages 71-80, 6% Ages 81-85)b. 200% Interest Credits Years 1-10 on Benefit Base for Income and Death Benefit c. Legacy Benefit Roll up Cap: Roll-up limited to 200% or up to 300% d. Issue Ages (0-85)e. Income Rider Home Health Care Doubler (2/6 ADLs)f. Death benefit Equals:Greater of Account Value or 80% Benefit Base OR 100% Benefit Base paid over 5 years

2. Income rider (Guaranteed Income)a. 8.00% Income Bonus (all ages) will be credited to the Income value onlyb. Income rider is available 30 days after issue.c. Issue Ages 40-85 (age 50 for income)d. 8.00% Compound Rollup for 10 years (10 year reset available) f. Home Health Care Doubler (2/6 ADLs)g. Death benefit Equals: The greater of the Account Value or Guaranteed Minimum Cash Surrender Value paid lump sumh. Annual Fee of 1.25% years 1-5 & 1.6% years 6-10 (subject to change yrs 11-20)

10 yearMinimum Premium

Atlantic Coast Life

Insurance Company

Founded in 1925!


Insurance

Guaranteed Income Annuity

10-yearFixed Annuity

RMD or 10% of Purchase

Premium after the first yr

10 year

1.00% on 87.5%

0-75

B++

Founded in 1957! Min. Participation Rate

is 10%

Salt Lake City, UT

Required Minimum Distribution is

available Penalty Free during the first Policy

YearParticipation Rate Guaranteed 2 yrs

up to a

10.00% Premium

Bonus

7.50%

Qualifed OR Non Qualifed 76-85 5.50%

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

1% then 0%

Cases below $10,000 MUST be submitted via e-

app effective April 1, 2020

Guaranteed Income Annuity

10-yearFixed Annuity

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

1% then 0%

Premium Bonus subject to 10 year Vesting Schedule

1.00% on 87.5%

0-75

Maximum Premium

without Home Office ApprovalA.M. Best

The Greater of 1% or the

(USD) 3 Month LIBOR

Rate with 65%

Participation Rate Applied

Participation Rate Guaranteed 2 yrs

FIXE

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NN

UIT

Y

B++

FIXE

D A

NN

UIT

Y

up to a

10.00% Premium

Bonus

The Greater of 1% or the

(USD) 3 Month LIBOR

Rate with 65%

Participation Rate Applied


Choice of 3 RidersAt least one rider must be selected

10 year

Qualifed OR Non Qualifed

Minimum Premium

76-85 5.65%

7.65%

Required Minimum Distribution is

available Penalty Free during the first Policy

Year

3. Legacy Benefit Rider (Stacking Death Benefit)a. Premium Bonuses will be credited to the Accumulation Value and the Legacy Benefit Base.i. 10% Premium Bonus on 10-year (10% Ages 45-70; 5% Ages 71-80; 3% Ages 81-85)b. Death benefit Equals:i. Greater of Account Value or 80% Benefit Base OR 100% Benefit Base paid over 5 yrsc. Benefit Base paid upon 1st death with option to continue policyd. 4.00% Plus Interest Stacking Roll-up for 20 years (Guaranteed Minimum of 4% + 1% for 20 years) Compound Intereste. Issue Ages 45-85 with a minimum roll-up of 5 years.f. Roll-up limited to age 85 or up to 300% Premiumg. Annual Fee of 1.25% years 1-5 & 1.6% years 6-10 (subject to change yrs 11-20

Premium Bonus subject to 10 year Vesting Schedule Cases below

$10,000 MUST be submitted via e-

app effective April 1, 2020

Maximum Premium


RMD or 10% of Purchase

Premium after the first yr

10 year

Minimum Guarantee


Comm. Rev.

4/15/19Features Rev.6-8-20

Surrender ChargeProducts

Interest Crediting Withdrawal

Provision

Atlantic Coast - Sentinel Security Life Insurance Company 8/6/2020


10 year $10,000

Most States Version Non-qualifed

Issue Age 0-57 $5,000

Qualifed

Issue Age 58+9.5% 9% 8% 7% 6% 5% 4%

3% 2% 1% then 0%Florida Version

Issue Age 0-58

Issue Age 59+ $1,000,000 9% 9% 8% 7% 6% 5% 4% 3% 2%

1% then 0%

IA Version

Issue Age 0-80

Premium Bonus subject to 10 year Vesting

MVA + or -

10 year

Issue Age 0-57

Issue Age 58+9% 8.5% 7.5% 6.5% 5.5%

4.5% 3.5% 2.5% 1.5% 0.5% then 0%

Premium Bonus subject to 10 year Vesting 105 bps Annual Rider Charge

MVA + or - Agent Highlights (FL)

Agent Highlights (IA)

Agent Highlights (IN, KY, LA, MD, MN, MS, OH, OR, PA, RI, TX, UT, WA)

Agent Highlights (ALL STATES EXCEPT FL, IA, IN, KY, LA, MD, MN, MS, OH, OR, PA, RI, TX, UT, WA)

Minimum Premium Features Rev. 6-24-15Iss. Age Comm.

Issue Age: 45-49 4.50%Issue Age: 50-59 5.00%Issue Age: 60-69 6.00%Issue Age: 70+ 6.50%Compounded Rollup for

20 years

Cases below

$10,000 MUST be submitted via e-app effective April 1, 2020

Products

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Sentinel Plan®

Summit Bonus IndexSM


Minimum Guarantee

A.M. Best

Founded in 1957!

1.00% on 87.5%

1.10%



Insurance Company

Salt Lake City, UT

B++

Annual Pt to Pt Cap

Monthly Average Cap



PRODUCT INFO LINKS

Full Vested Accumulation Value at Death

Additional 1% Premium

BonusIF the client elects the

Optional Income Rider an additional one-time bonus equal to 1% of the single premium payment will be

credited to the Accumulation Value and

the Income Account Value on the Policy Date

12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

1.70%

Monthly Average Cap

7.00% Premium

Bonus vested over

10yrs

2.75%10% of your accumulated annuity value

after the first yr

Surrender Charge

Summit Bonus Index Annuity Available in 7 More States - Effective 4/16/2018

1.70%

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Monthly Sum 1.10%

3.05%

Sentinel Plan®

Summit Bonus IndexSM


Annual Pt to Pt Cap

Daily Average Cap

Fixed Rate

Optional Income Rider0-75 7.25%10% of your

accumulated annuity value

after the first yr

Required Minimum Distribution or Interest earned on the Fixed Account is available Penalty Free during the first Policy Year

5.00%76-80

12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

Minimum Premium

Maximum Premium


12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

2.75%

3.00%

3.05%

7% Premium

Bonus vested over

10yrs

Daily Average Cap

Fixed Rate

Monthly Sum

10% 10% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

No Agent Commission


Required Minimum Distribution or Interest earned on the Fixed Account is available Penalty Free during the first Policy Year

IN, KY, LA, MD, MN, MS, OH,OR, PA, RI, TX, UT, WA Version

3.00%


http://annuity1.com/as_palette/docs/SSL/SSL_Bonus_Index_Agent_Highlights_IA.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_Bonus_Index_Agent_Highlights_FL.pdf





http://annuity1.com/as_palette/docs/SSL/SSL_State_Approvals.pdf


10 year $5,000

Most States Version Non-qualifed

Issue Age 0-57 $5,000

Qualifed

Issue Age 58+

After the first 10 yrs

$1,000,000 and the Rider is still active &

income has not been turned on.

Premium Bonus subject to 10 year Vesting

MVA + or -

10 year

Issue Age 0-58

Issue Age 59+9% 9% 8% 7% 6% 5% 4% 3%

2% 1% then 0%

Premium Bonus subject to 10 year Vesting 105 bps Annual Rider Charge

MVA + or -

5.00% Premium Bonus if Income Rider is elected

7.00% Premium Bonus if Income

Rider is NOT elected




Iss. Age Comm. Features Rev. 5-25-20

Optional Income Rider0-75

76-80 5.15%Minimum PremiumCases

below $10,000

MUST be submitted via e-app effective April 1, 2020

Income Navigator AnnuitySM


1.30%Required Minimum

Distribution or Interest earned on the Fixed Account is available Penalty Free during the first Policy Year

Maximum Premium


No Agent Commission


1.50%

7.40%Monthly Average Cap 2.50%

Annual Pt to Pt Cap 2.50%10% of your accumulated annuity value

after the first yr

1.65% on 87.5%

Atlantic Coast Life Insurance Company

12% 11% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

Daily Average Cap 2.50%

A.M. Best7%

Premium Bonus

vested over 10yrs with no income rider

Monthly Sum

Founded in 1925!

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9.5% 9% 8% 7% 6% 5% 4% 3% 2% 1% then 0%

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Charleston, SC

Fixed Rate

B++

7.00% Premium

Bonus vested over

10yrs with no income rider

Monthly Sum 1.30%Required Minimum

Distribution or Interest earned on the Fixed Account is available Penalty Free during the first Policy Year


Daily Average Cap 2.50%

Income Navigator AnnuitySM


Annual Pt to Pt Cap 2.50%10% of your accumulated annuity value

after the first yrFlorida Version


6.50%Compounded Rollup

for up to 10 years

Option to renew for an additional 10 years (Roll-up rate may change

but not lower than 3%)as long as the oldest owner is

under attained age 80

Rider minimum issue age of 45 and benefits may begin once the owner has

attained age 55.

Full Vested Accumulation Value

at DeathFixed Rate 1.50%

Product State Availability

Income Rider Calculator

Agent Highlights (ALL STATES EXCEPT FL)

Agent Highlights (FL)

PRODUCT INFO LINKS

10% 10% 10% 9% 8% 7% 6% 5% 4% 2% then 0%

Atlantic Coast Life Insurance Company 8/6/2020

http://annuity1.com/as_palette/docs/ACL/ACL_INA_Agent_QuickSheet.pdf







http://annuity1.com/as_palette/docs/ACL/ACL_INA_Agent_QuickSheet-FL.pdf







http://annuity1.com/as_palette/docs/ACL/ACL_State_Approvals.pdf



https://acl.admin-portal.org/modules/Agent/AnnuityCalculationTools.php








10 year $10,000 18-75 6.50%

76-80 5.00%MVA + or - $350,000

18-75 5.75%Terminal Illness Benefit

Home Health Care Benefit 76-80 4.25%

Nursing Home Benefit95 bps Annual Rider Charge

on Account Value

(Excellent) 10 year $10,000 A.M. Best 18-75 6.50%

76-80 5.00% SilverSelectMVA + or - $350,000

18-75 5.75% Select 10Terminal Illness

BenefitHome Health Care

Benefit 76-80 4.25%

Nursing Home Benefit 95 bps Annual Rider Charge on Account Value

10 year $20,000

18-75 6.50%

76-80 5.00%

$350,000

MVA + or - 18-75 5.75%76-80 4.25%

Full Value at Death5X5 Annuitization

• Full Account Value at Death

• Nursing Home Waiver

• Home Heath Care Waiver

• Terminal Illness Waiver

Minimum Premium

Full Value at Death5X5 Annuitization

Most states

Most states

Optional Guaranteed Lifetime Withdrawal

Benefit

MA, MN, MO, NJ, OK, OR, PA, WA Only

7.55% Compounded Rollup for 10 years

7.15% Compounded Rollup for 10 years


Surrender Charge

Monthly Average Cap 10% of your accumulated annuity value after the first

yr Waiver of Surrender/Withdrawal

Charges

Annual Pt to Pt Cap

Fixed Rate

10% 9% 8% 7% 6% 5% 4% 3%

2% 1%

3.30%

3.30%

1.30%

Systematic withdrawal of

interest in the first year8% Premium Bonus

vested over 10yrsNO MVA in MA, MN, MO, NJ, OK, OR, PA,

WA

Current Interest Rates Effective 8-1-20Products

Oxford Life

Insurance Company

Phoenix, Arizona

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A-

Royal SelectFixed

Indexed Annuity

Features rev. 2/13/17

Optional Guaranteed Lifetime Withdrawal

Benefit

Minimum Premium

Minimum Guarantee

1.00% on 87.5%

Minimum Premium

6.75% Compounded Rollup for 10

years

Most states

Iss. Age Comm.

Maximum Premium

No Exceptions to Min. or

Max. Premiums

MA, MN, MO, NJ, OK, OR, PA, WA Only

1.00% on 87.5% MA, MN, MO, NJ, OK, OR,

PA, WA Only

Minimum Premium

Maximum Premium No Exceptions to Min. or Max. Premiums

Select 10Fixed Indexed

Annuity Non-Bonus

Please note: 7, 5, & 3yr versions of

the product is available

FIXE

D


Waiver of Surrender/Withdrawal

ChargesMaximum Premium

No Exceptions to Min. or

Max. Premiums

10% of your accumulated annuity value after the first

yr

1.00% on 87.5%

10% 9% 8% 7% 6% 5% 4% 3%

2% 1%

Systematic withdrawal of

interest in the first year

NO MVA in MA, MN, MO, NJ, OK, OR, PA,

WA

Monthly Average Cap 4.95% 10% of your accumulated annuity value

after the first yr

Systematic withdrawal of interest in the

first year

10% 9% 8% 7% 6% 5% 4% 3%

2% 1%

NO MVA in MA, MN, MO, NJ, OK, OR, PA, WA


Fixed Rate 2.15%

Assets $1.87 Billion in Assets

as of 12/31/2016



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Fixed Rate 1.70%


4% Premium Bonus vested over 10yrs

Silver SelectFixed

Indexed Annuity 4.00%

Premium Bonus

Oxford Life 8/6/2020


10 year $10,000

Non-qualifed

$5,000

Exciting QualifedLimted

Distribution

Product

$1,000,000

10 year $10,000

Non-qualifed$5,000

Exciting QualifedLimted

Distribution

Product

$1,000,000

10% of account value after the first

yr. (1 per year)

1.00% on 87.5%

100.00%

1-year Morgan Stanley Diversified Select Index (MSDSI) (Participation

Rate)95.00%


Rate)100.00%

Minimum GuaranteeSurrender Charge

S&P 500 1- Year Point-to-Point (Cap) 4.50%


yr. (1 per year)

Minimum Premium Iss. Age Comm. Rev.

8/1/20FeaturesProducts Current Interest Rates

Effective 8/1/2020Withdrawal Provision

SGA Commissions- Most States

Optional Income Rider

AL, AR, AZ, CO, CT, DC, FL, GA, HI, ID, IL, IN, IA,

KS, KY, LA, MA, ME, MD, MI, MT, NE, NH*, NM,

NC, ND, NV, OK, RI, SD, TN, VA, VT, WV, WI, WY

0-75 7.00%

81 3.50%

1.00% on 87.5%

Maximum Premium


Click here for detailsFixed Rate 2.50% MVA

1-year S&P 500 Daily Risk Control 5% USD Excess Return Index

(Participation Rate)100.00%

1-year S&P Economic Cycle Factor Rotator Index (Participation Rate)

Surrender Charges on Internal Revenue

Service (IRS) required minimum

distributions (RMD) exceeding the penalty-

free withdrawal amount will be

waived

Guggenheim Life and Annuity

Company

4.00% Annual

Compounded Rollup for 10 years Plus

Interest credited to to the account

value on each anniversary. EVEN AFTER

Rider Payments

begin!

Minimum Premium 76-80 5.00%

5% Bonus on

premium in the first contract

year added to income benefit base if income rider is elected

FIXE

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ITY

TriVysta™Fixed Indexed

Annuity

Agent Commission Bonus

B++ (Good) from A.M. Best

1.00% Bonus from 1/1/2020 to 12/31/2020

NH* only the 1yr indexed terms available. NO 2yr

terms.

Indianapolis, IN 10% 10% 10% 10% 9% 8% 6% 4% 2% 1% then 0%

SGA – Light State Commissions* (AK, CA, DE, MN, MO, MS, NJ, OH, OK, OR, PA, SC, TX, UT, WA)

AK, CA, DE, MN, MO, MS, NJ, OH, OK, OR, PA, SC, TX, UT, WA Version

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

Minimum Premium 0-75 7.00%


Rate)95.00%


Rate)100.00%

11.29 Billion in assets as of 12/31/18

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TriVysta™Fixed Indexed

Annuity


90 bps Annual Rider Charge calculated on,

and deducted from, the account value.

5% Bonus on


year added to income benefit base if income rider is elected





waived

76-80 5.00%

NO MVA in CA

Maximum Premium


Nursing Home Care Waiver

81 3.50% Terminal Illness & Critical Illness

WaiverAgent Commission Bonus

1-year S&P 500 Daily Risk Control 5% USD Excess Return Index

(Participation Rate)100.00%

1-year S&P Economic Cycle Factor Rotator Index (Participation Rate) 100.00%


The Death Benefit is equal to the full account value of

your annuitycontract.Fixed Rate 2.50%

1.00% Bonus from 1/1/2020 to 12/31/2020

Click here for details

Commissions Reduced 1% in CA due to lower surrender charges and no

MVA

Guggenheim 8/6/2020

http://www.morganstanley.com/msdsi





http://annuity1.com/as_palette/docs/Guggenheim/GLAC_2019_Elite_Agent_Bonus.pdf

























10 year $10,000

Non-qualifed$5,000

Qualifed

Upfront

5.00%Upfront

10 year 3.50%Upfront

$1,000,000 2.50%

Upfront

0-80 0.50%MVA + or -

10 year $10,000

Non-qualifed$5,000 6.00%

Qualifed Upfront4.00%

Upfront

NO MVA

3.00%Upfront

2.00%

Upfront

0-80 0.50%

11.29 Billion in assets as of 12/31/18






waived

76-80

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The Death Benefit is equal to the full account value of

your annuitycontract.

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

CA & FL10% of account value after the first

yr. (1 per year)

4.00% Bonus* on


year added to account value. *

Premium Bonus vested over surrender

charge term

5% Bonus on premium in the

first contract year added to income

benefit base Plus 4.00%

Annual Compounded Rollup for 10 years Plus

Interest credited to to the

account value on each

anniversary. EVEN AFTER

Rider Payments begin!

Maximum Premium


1.00% on 87.5%

Minimum Premium

Guggenheim Life and Annuity

Company

Indianapolis, IN 4.00% Bonus* on


year added to account value. *

Premium Bonus vested over surrender

charge term

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Highlander™Fixed

Indexed Annuity

1.00% on 87.5%

Option A SGA Commissions- Most States

7.00%AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MS, MT, NE, NH, NM, NC,

ND, NV, OK, RI, SD, TN, VA, VT, WV, WI, WY


S&P 500 1- Year Point-to-Point (Participation Rate) 25.00%

Minimum Premium

0-75

76-80

Maximum Premium


Fixed Indexed Annuity with a simple product design with easy to understand interest crediting options and

outstanding income rider.

AK, MN, MO, NJ, OH, OK, OR, PA, SC, TX, UT,

WA Version


yr. (1 per year)

Surrender Charge Minimum Guarantee

Minimum Premium Iss. Age Comm.Products Current Interest Rates

Effective 8/1/2020Withdrawal Provision

Features Rev. 8/1/20

Optional Income Rider

Terminal Illness & Critical Illness

Waiver

Nursing Home Care Waiver

90 bps Annual Rider Charge calculated on,

and deducted from, the account value.

Option C: 1% Trail all years

Option A SGA Commissions- CA & FL

0-75

Option B SGA Commissions- Most States

0-75

76-80

Plus Trail Years 2+

Option C: 1% Trail all years

0-75

76-80

Trail Years 2+

Option B SGA Commissions- CA & FL

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

Fixed Indexed Annuity with a simple product design with easy to understand interest crediting options and

outstanding income rider.

10% 10% 10% 10% 9% 8% 6% 4% 2% 1% then 0%





waived

Fixed Rate 2.00%

S&P MARC 5% - 1 year Point to Point (Participation Rate) 85.00%

$1,000,000

Highlander™Fixed

Indexed Annuity S&P 500 1- Year Point-to-Point (Cap) 3.75%

S&P 500 1- Year Point-to-Point (Participation Rate) 25.00%

Click here for details

S&P MARC 5% - 1 year Point to Point (Participation Rate) 85.00%

Agent Commission Bonus

1.00% Bonus from 1/1/2020 to 12/31/2020

Fixed Rate 2.00%

Guggenheim 8/6/2020






0 -75 8.00%1-Year Point-to-Point Cap 3.00% 2.75%

1-Year Monthly Average Cap 3.25% 3.00%1-Year Monthly Average Participation 27.00% 24.00%

1-yr Monthly Cap 1.50% 1.35%2 - Year Monthly Avg. Cap 7.00% 6.00%

Focus50 1-Year Point-to-Point Participation 65.00% 60.00%Focus50 2-Year Point-to-Point Participation 90.00% 85.00%

1-Year Interest Account 1.60% 1.40% MVA + or -

10 Year

1-yr Point-to-Point Cap 4.50% 4.25%10 Year: AK, CT, DE, MN, MT, NJ, NV, OH, OK, OR, PA, TX, UT, VT,

WAOR, TX, UT and WA

1-yr Monthly Average Cap 5.00% 4.75% 9 Year (CA)1-yr Monthly Avg Participation 45% 35%

1-yr Monthly Cap 2.00% 1.80%2 -Year Monthly Avg. Cap 12.00% 10.00% 10 Year (FL)1-Year Interest Account 2.75% 2.50% 10, 10, 10, 10, 10, 10,

8,6, 4, 2, 0%Focus50 1-Year Point-to-Point Participation 100% 90%Focus50 2-Year Point-to-Point Participation 140% 120%

MARC 5% 1-Year Point-to-Point Participation 110% 100%10 Year

10, 10, 10, 10, 10, 10, 8,6, 4, 2, 0%

1-Year Point-to-Point Cap 2.75% 2.50% 9 Year (CA)1-Year Monthly Average Cap 3.00% 2.75%

1-Year Monthly Average Participation 25.00% 20.00%1-yr Monthly Cap 1.40% 1.30% 10 Year (DE)

2 - Year Monthly Avg. Cap 6.00% 5.00% 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, .5%;

Focus50 1-Year Point-to-Point Participation 60% 50%Focus50 2-Year Point-to-Point Participation 80% 70%

1-Year Interest Account 1.50% 1.25% MVA + or - No MVA in CA and DE

Full Value at Death

Most States


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Max issue age in FL is 64 unless client is an accredited investor

0 - 80

0 - 80

Minimum GuaranteedInterest Rate on 1-Year Fixed

Interest (MGIR) 1.00%

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12, 12, 12, 12, 11, 10, 8, 6, 4, 2, 0%.

Account Options Rates without Income rider

Rates with Income

rider

Minimum Guarantee

Surrender Charge


Features Rev. 1-15-19

Iss. Age

Comm. Rev. 4-1-19

New MarketValue

Index®

FLEXIBLE PREMIUM

Interest only1st contract

year**

10.00%of Account

Valueyears 2+

$18.1 Billion in assets as of

12/31/17

BBB+ ("Good") S&P

EquiTrust Life Insurance Company

Des Moines IA


year**

10.00%of Account

Valueyears 2+

Rates with Income rider

1-yr Point-to-Point Participation


30%

MPP Optional Income Rider (Annual cost

125 bps) can be turned on after 2nd contract year. 6.00%

Rollup for 10 years



0 -75 7.00%

Products

New MarketPower

Bonus Index®

10.00% Premium

Bonus On all first year

premiums

17, 15, 14, 12, 10, 9, 7, 5, 3 and 1%

10 Year (AK, CT, ID, IL, MN, MT, NJ, NV, OH, OK, PA, TX, UT, VT,

WA)

Minimum Premium(Rates Subject to Change)

20,20,19,19,18,17,16,14,12,10,8,6,4,2,0%

Min.$10,000NQ/Q

AdditionalPremiumsAccepted1st year

Only

Rates Effective July 1, 2020

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

Account Options Rates without Income rider 14 Year

28% 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, .5%;

Except In Wyoming, the MGCR is applied to 90% of premium to

determine the minimum cash value floor.

87.5% of premium minus withdrawals, accumulated at

the 2%

Income Doubler

MVA + or - No MVA in CA and DE

Min. Intial$10,000NQ/Q

Subsequent minimum:

$2,000

Income Doubler

MV Optional Income Rider

(Annual cost 95 bps) can be

turned on after 2nd contract

year. “stacked” 4%

accumulation plus index and interest credits

for up to 10 years

10.00% Benefit-Base

bonus

8.3, 7.4, 6.5, 5.6, 4.7, 3.8, 2.9, 1.9, 0.9%

7.00%

3.50%Additional Deposits

yrs 2-5

87.5% of premium minus withdrawals, accumulated at

the 2%



MTB Optional Income Rider (Annual cost

100 bps) can be turned on after 2nd contract year. 6.50%

Rollup for 10 years

Income Doubler

New MarketTen

Bonus Index®

6.00% Premium

Bonus On all first 5

years premiums

8.3, 7.4, 6.5, 5.6, 4.7, 3.8, 2.9, 1.9, 0.9%

Min. Intial$10,000NQ/Q

Subsequent minimum:

$2,000

Rates without Income rider

Rates with Income rider


year**

10.00%of Account

Valueyears 2+

Return of Premium Rider

6.00%100% of premiums paid,

(excluding Premium Bonus) less any partial withdrawals,

plusinterest earned 1% , less

surrender charges

Additional Deposits yrs 2-5

3.00%

Account Options

Equitrust 8/6/2020


3.50% 1.75%2.1% Cap 18-75

25% PR# 76-80

Des Moines, IA 90% PR#

125% PR#

1.30% Cap

2.00%

Excellent 3.25% Cap 1.75%

A.M. Best 2.00% Cap 18-75

23% PR# 76-80

85% PR# 81-85

1.20% Cap

1.90%

BBB+ 3.00% Cap 1.75%

Good 1.90% Cap 18-75

Fitch 21% PR# 76-80

A- 80% PR# 81-85

Strong 1.10% Cap

S&P 1.75%FIXE

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87.5% of premiums paid, less withdrawal




3.75%

2.81%

1.88%

$5,000NQ or Q

Products Withdrawal Provision Surrender ChargeCurrent Interest Rates Effective 7/01/2020 Minimum

Guarantee

Most States

S&P 500 Monthly Point to Point w/cap 6.00%S&P 500 Annual Point to Point w/pr 4.50%

10.00% ofContract


SystematicW/D & RMDImmediatelyfrom Fixed.)

5 Year

9.2, 9, 8, 7, 6, then 0%

+ or - MVA

$5,000NQ or Q

Minimum Premium

Iss. Age

Commission Option U Features

10.00% ofContract







4.50%

3.38%

2.25%

7 Year

9.2, 9, 8, 7, 6, 4, 2, then 0%

+ or - MVA

Full Value at Death

Nursing Care Rider and

Terminal Illness Rider for

Annuitants under age 75 at

Issue$48.8 Billion in Assets under

manangement as of 12/31/17

S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/pr


A- S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index 2yr Pt to Pt w/pr

Current Fixed Value Rate

AssetShield 7

S&P 500 Annual Point to Point w/cap

S&P 500 Monthly Point to Point w/cap

AssetShield 10

S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate


S&P 500 Annual Point to Point w/pr

FIXE

D IN

DEX

AN

NU

ITY

FIXE

D IN

DEX

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. #PR=Participation Rate FOR AGENT USE ONLY.

10.00% ofContract



10 Year

9.2, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0%

+ or - MVA





$5,000NQ or Q

S&P 500 Monthly Point to Point w/cap

S&P 500 Annual Point to Point w/pr




AssetShield 5



S&P 500 Annual Point to Point w/cap Most States

Most States

American Equity 8/6/2020


1.75% Cap 1.75%1.50% Cap 18-75

10% PR# 76-80

Des Moines, IA 2.50% Cap

35% PR#

55% PR#

1.10%

Excellent 1.75% Cap 1.75%

A.M. Best 1.40% Cap 18-75

10% PR# 76-80

2.25% Cap

30% PR#

45% PR#

1.00%

BBB+ 2.75% Cap 1.75%

Good 10% PR# 50-75

Fitch 4.50% Cap 76-80

A- 60% PR#

Strong 1.70%

S&P

5 Different Rider Options

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. #PR=Participation Rate FOR AGENT USE ONLY.

S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index 2yr Pt to Pt w/pr

FIXE

D IN

DEX

AN

NU

ITY

10.00% ofContract



7 Year

9.2, 9, 8, 7, 6, 4, 2 then 0%

+ or - MVA





$5,000NQ or Q


Most States

S&P 500 Annual Point to Point w/pr 5.00%S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/cap 3.75%S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/pr

IncomeShield 7 with LIBR



10 Year

9.1, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0%

+ or - MVA $5,000NQ or Q

Most States

S&P 500 Monthly Point to Point w/cap 87.5% of premiums paid, less withdrawal




6.25%

S&P 500 Annual Point to Point w/pr 4.70%

A- S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/prS&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index 2yr Pt to Pt w/pr Nursing Care

Rider and Terminal Illness

Rider for Annuitants

under age 75 at Issue


FIXE

D IN

DEX

AN

NU

ITY

IncomeShield 10 with LIBR

S&P 500 Annual Point to Point w/cap 10.00% ofContract


SystematicW/D & RMDImmediatelyfrom Fixed.) Optional

Lifetime income Rider

$48.8 Billion in Assets under

manangement as of 12/31/17

S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/capS&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/pr

Full Value at Death

S&P 500 Monthly Point to Point w/cap 87.5% of premiums paid, less withdrawal




6.25%S&P 500 Annual Point to Point w/pr 4.70%S&P 500 Dividend Aristocrates Daily Risk Control 5% ER Index Annual Pt to Pt w/cap

Minimum Premium

Iss. Age

Commission Option U Features

FIXE

D IN

DEX

AN

NU

ITY S&P 500 Annual Point to Point w/cap 10.00% of

ContractValue

Annually,StartingYear 2.


10 Year

9.1, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0%

+ or - MVA$5,000

NQ or Q

Products Current Interest Rates Effective 7/1/2020 Withdrawal Provision Surrender Charge Minimum

Guarantee

Most StatesIncomeShield 10 without

LIBR

Premium Bonus on all

first year premiums

7.00%

7.00%Premium

Bonus on all first year

premiums

American Equity 8/6/2020


2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 60.00% Most States1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 45.00% 10 Year 0 -70 6.50%2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 40.00% 71-75 6.00%1-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 25.00% 76-80 5.00%2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index1 50.00%

0 -64 6.50%1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 5% Index (Total Return) 30.00% 0 -70 6.50%1-Year PTP Index (cap) S&P 500 with bailout 2.25%

Fixed Strategy (1-year) 0.85% 71-74 6.00%

A- ("Strong") S&P2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 60.00% FL

10 Year 65-70 6.50%1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 45.00% 71-75 6.00%2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 40.00% 76-80 5.00%1-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 25.00%2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index1 50.00%

1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 5% Index (Total Return) 30.00%

1-Year PTP Index (cap) S&P 500 with bailout 2.25%

Fixed Strategy (1-year) 0.85% Light States2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 60.00% 10 Year

0 -70 6.50%1-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 45.00% 71-75 6.00%2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 40.00% 76-80 5.00%1-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 25.00% Premium Bonuses vested over the

surrender charge term2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index1 50.00% 53 -70 6.50%

71-75 6.00%76-78 5.00%

1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 5% Index (Total Return) 30.00%

1-Year PTP Index (cap) S&P 500 with bailout 2.25%Fixed Strategy (1-year) 0.85%

1-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 35.00%

IN

FL

87.5% of premium minus

withdrawals, accumulated at the Minimum Guaranteed

Contract Rate

CA Only 8.3,8,7.1,6.2,5.3,4.4,3.5,2.

6,1.6,0.9 then 0%

MVA in all approved states

10,10,10,10,9,8,7,6,5,4 then 0%

MVA in all approved states except MO

Premium Bonuses vested over the surrender charge

term


term

12,12,12,11,10,9,8,7,6,4, then 0%

Most States

Min.$5,000NQ/Q

$1 Million Max

Premium without

Home Office Approval

FL



Contract Rate

Min.$5,000NQ/Q

$1 Million Max

Premium without


A- (Strong) Fitch

FIXE

D IN

DEX

AN

NU

ITY

Ascent 10 Bonus

Fixed IndexAnnuity

3.00% Premium

Bonus (2.00% Bonus

In CA)


A (Excellent) from A.M. Best


FIXE

D IN

DEX

AN

NU

ITY

Athene's parent

company, Athene

Holding Ltd., has $99.7 Billion in

assets as of 12/31/17

Ascent Pro 10 Bonus Fixed Index

Annuity

3.00% Premium

Bonus

Ascent Pro 10 BonusFixed Index

Annuity

3.00% Premium

Bonus


8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,1.6,0.9 then 0%

MVA in all approved states except AK, HI, MN, NJ, PA, UT, WA

Min.$5,000NQ/Q

$1 Million Max

Premium without


OR

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



Contract Rate

FIXE

D IN

DEX

AN

NU

ITY

Athene Ascent Income Required

Rider Two choices to

grow the Income Base:

•Option 1 — Guaranteed Growth10% Income Base Bonus

and 10% Simple Interest rate yrs 1-10 & 5% Simple yrs 11-

20•Option 2 —

Powerful Stacked Rollup Option

5% Income Base Bonus and 7%

Simple Interest rate yrs 1-10 & 4%

Simple yrs 11-20, plus 200% of interest

credits.

3 Income payment options — Including a Earnings-Indexed

Income that provides clients with outstanding potential to grow their

income payments.

Income Doubler Retrictions apply.Not

approved in AK, CA, CT, DC, HI, IL, MA, NJ, PA, UT, WA

Rider fee: 1.00%

Beginning the first contract year , a

10% free annual

withdrawal is available each year throughout

the withdrawal

charge period.

Athene Annuity and Life

Company West Des Moines, IA

ProductsRates Effective 4/4/2020 Withdrawal

ProvisionSurrender

Charge(Rates Subject to Change)Minimum


Iss. Age

Comm. Rev. 3-25-19 Features Rev. 4/4/2020

Athene 8/6/2020

http://www.annuity1.com/as_palette/docs/athene/bnpp_mad5_overview.pdf

















Base Plus Plus Most StatesNA 6%

Most States7 Year 0 -70 5.00%

2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 100.00% 100.00% 195.00% 71-75 4.50%2-Year No Cap PTP Index (Par Rate) - S&P 500 Daily Risk Control 2 8% Index (Total Return) 45.00% 45.00% 95.00% 76-80 3.50%1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 2 8% Index (Total Return) 35.00% 35.00% 75.00%

CA Only: 8.2,7.6,6.6,5.5,4.4,3.4,2.3,

then 0%81-83 3.00%

2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 80.00% 80.00% 145.00% Premium Bonuses vested

over the surrender charge 2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 95.00% 95.00% 170.00%1-Year PTP Index (cap) S&P 500 4.00% 4.00% 7.50%Fixed Strategy (1-year) 1.50% 1.50% N/A

Base Plus

10 Year 0-70 6.50%2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 90.00% 90.00% 185.00% 71-75 6.00%2-Year No Cap PTP Index (Par rate) - S&P 500 Daily Risk Control 2 8% Index (Total Return) 40.00% 40.00% 90.00% 76-78 5.00%1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 2 8% Index (Total Return) 30.00% 30.00% 70.00%

2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 70.00% 70.00% 135.00% Base

CA Only 8.3,8,7.1,6.2,5.3,4.4,3.5,2.6

1 6 0 9 then 0%0 -55 6.50%

1-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 60.00% 60.00% 120.00%


term2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 80.00% 80.00% 155.00% 0 -52 6.50%1-Year PTP Index (cap) S&P 500 3.50% 3.50% 7.00%

Fixed Strategy (1-year) 1.40% 1.40% N/A 0 -64 6.50%Base Plus 10 Year - Select

Premium Bonus PE10 Select 3.00% 8%, 7% in OH 65-70 6.50%Premium Bonus PE10 Pro For MD & FL ages 65-78 only

3.00% 9.00% 71-75 6.00%2-Year No Cap PTP Index (Participation Rate)- BNP Paribas Multi Asset Diverisfied 5 Index 90.00% 90.00% 185.00% 10 Year - Pro 76-78 5.00%2-Year No Cap PTP Index (Par rate) - S&P 500 Daily Risk Control 2 8% Index (Total Return) 40.00% 40.00% 90.00%1-Year No Cap PTP Index (Participation Rate)- S&P 500 Daily Risk Control 2 8% Index (Total Return) 30.00% 30.00% 70.00% 56-70 6.50%2-Year No Cap PTP Index (Participation Rate)-Nasdaq FC Index 70.00% 70.00% 135.00% 71-75 6.00%1-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 60.00% 60.00% 120.00% Premium Bonuses vested over the

surrender charge term 76-78 5.00%2-Year No Cap PTP Index (Participation Rate)-AI Powered US Equity Index 80.00% 80.00% 155.00%1-Year PTP Index (cap) S&P 500 3.50% 3.50% 7.00%Fixed Strategy (1-year) 1.40% 1.40% N/A 53-70 6.50%

71-75 6.50%76-78 5.00%

0-70 6.50%71-75 6.50%76-78 5.00%

A- (Strong) Fitch

A- ("Strong") S&P

100% Terminal illness and confinement waiver: Waiver of Withdrawal Charges, Market Value Adjustment and Premium Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. (not available in CA or MA.)

Full value at death: The Death Benefit paid will be the greatest of the Contract’s Accumulated Value, the Minimum Guaranteed Contract Value, or Return of Premium. Premium Bonuses are 100% vested at death

Performance

Elite 10 Select/ProFixed Index

Annuityup to

7.00% Premium Bonus

FIXE

D IN

DEX

AN

NU

ITY

Beginning the first contract

year , a 10% free annual

withdrawal is available each year throughout

the withdrawal

charge period.

Cumulative to 20% if no withdrawals are taken the prior

year.

Performance Elite 10

Fixed IndexAnnuity

up to

10.00% Premium Bonus

12,12,12,11,10,9,8,7,6,4, then 0%

Athene Annuity and

Life Company West Des Moines,

IA

9,8.8,7.9,6.9,5.9,5,4, then 0%

Athene's parent

company, Athene Holding Ltd., has

$99.7 Billion in assets as

of 12/31/17

A (Excellent) from A.M. Best

4% 2% in CA

Premium Bonus: Most states is 8%, 3% in AK, CT, DE, MN, NJ, NV, OK, OR, PA, SC, UT, TX, WA

FIXE

D IN

DEX

AN

NU

ITY

Products Withdrawal Provision

Surrender Charge

Rates Effective 5/11/2020(Rates Subject to Change)

FIXE

D IN

DEX

AN

NU

ITY

MVA in all approved states except

MD,MN,MO,PA,WA

Base and Plus with Fee (same

Bonuses)

MVA in all approved states except MD,MN,

MO

Minimum Guarantee

Minimum Premium

Iss. Age Comm. Rev. 6-17-17 Features Rev. 10-1-15


Bonuses)

FL

10,10,10,10,9,8,7,6,5,4 then 0%

Performance Elite Annuity Series - Additional Features and Benefits:

NJ,NV,OK,TX (Select)


Bonuses)

Performance Elite 7

Fixed IndexAnnuity

up to

6.00% Premium Bonus

87.5% of premium

minus withdrawals, accumulated

at the Minimum

Guaranteed Contract Rate

Min.$10,000NQ/Q

$1 Million Max

Premium without

Home Office Approval *$25,000

Min. Premium in

TX

Premium Bonus: Most states is 6%, 5% in AK, CA, CT, DE, HI, IL, IN, MD, MN, MO, NJ, NV, OH,

OK, OR, PA, SC, TX, UT, WA

Beginning the second

contract year, a 5% free annual withdrawal is available each year throughout

the withdrawal

charge period.

87.5% of premium


at the Minimum


Min.$10,000NQ/Q

$1 Million Max

Premium without


*$5,000 Min. Premium in CT, MN, NJ, OR, PA, TX,

and WA


Athene Performance Elite Plus ... for growth + liquidity•Enhanced Premium Bonus•Up to 10% free withdrawals per year, 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•Liquidity Rider is attached to all Plus versions of the Performance Elite Series. 95 bps annual fee

Athene Performance Elite ... for growth•4 indexed crediting strategies – including 2 new no cap risk controlled strategies linked to the S&P 500 Daily RC2 8% Index. •Strong premium bonus

Most States

AK,DE,MN,OH, PA,SC, UT,WA (Select)

MD (Pro)

NJ,NV,OK,TX

AK,DE,MN,OH, PA,SC,UT,WA

87.5% of premium


at the Minimum


Min.$25,000NQ/Q

$1 Million Max

Premium without


*$5,000 Min. Premium in CT, MN, NJ, OR, PA, TX,

and WA

10% 7% in CA,

Most States Most States

FL (Pro)

8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,1.6,0.9 then 0%

MVA in all approved states except

MD,MN,MO,PA,WA

Athene 8/6/2020



http://www.annuity1.com/as_palette/docs/athene/athene_pe_sp_500_daily_risk_control_index.pdf


http://www.annuity1.com/as_palette/docs/Athene/Athene_PE_SP_500_Daily_Risk_Control_Index.pdf















S&P 500® 1-Year Point-to-Point Cap 2.75%Fixed Interest Option, 1 Year 1.00%Allocation Options Point to Point, NO cap Participation

RateJ.P. Morgan Strategic BalancedSM Index, 3 year 37%J.P. Morgan Strategic BalancedSM Index, 2 year 32%J.P. Morgan Strategic BalancedSM Index, 1 year 22%GS Momentum Builder Multi-Asset Class Index, 3 year 100%GS Momentum Builder Multi-Asset Class Index, 2 year 40%GS Momentum Builder Multi-Asset Class Index, 1 year 25%

Roll-up Base:

S&P 500® 1-Year Point-to-Point Cap 2.75%Fixed Interest Option, 1 Year 1.00% Covered Person

Allocation Options Point to Point, NO cap Participation Rate 45-60: 7% Roll-up

J.P. Morgan Strategic BalancedSM Index, 3 year 37% 61-74: 8% Roll-upJ.P. Morgan Strategic BalancedSM Index, 2 year 32%J.P. Morgan Strategic BalancedSM Index, 1 year 22% 75-90: 9% Roll-upGS Momentum Builder Multi-Asset Class Index, 3 year 100%GS Momentum Builder Multi-Asset Class Index, 2 year 40%GS Momentum Builder Multi-Asset Class Index, 1 year 25%

Guaranteed Rate Options (GRO) Rates 4 Year4-Year GRO First year Rate 2.00% 8%, 8%, 7% 7% 0 -75 2.00%4-Year GRO Rate 2-4 Years 1.00% 76-85 1.50%

4-Year GRO Average Annual Rate 1.25% 5 Year 86-89 1.20%5-Year GRO First year Rate 2.00% 8%, 8%, 7% 7% 6%

5-Year GRO Rate 2-5 Years 1.00% 0 -75 2.50%5-Year GRO Average Annual Rate 1.20% 7 Year 76-85 2.00% Limited Life Expectancy

86-89 1.70%7-Year GRO First year Rate 2.00%7-Year GRO Rate 2-7 Years 1.00% 0 -75 3.00%

7-Year GRO Average Annual Rate 1.14% 10 Year 76-85 2.20%10-Year GRO First year Rate 2.00% 86-89 1.80% Full Annuiitzations

10-Year GRO Rate 2-10 Years 1.00%10-Year GRO Average Annual Rate 1.10% MVA + or - 0 -75 3.50%

76-85 2.70%86-89 2.00%

Required Minimum Distrutions


Min.$20,000NQ/Q

$1 Million Age 18-75 $750K

Age 75-85 Max Premium without Home

Office Approval

1.00% Min Renewal after the Intial rate guarantee

term

5-Year GRO

Death Benefit The beneficiary will be paid the Accumulation value as of the date of

death.

7-Year GRO

4-Year GRO

10-Year GRO

SPDA

Integrity MultiVantage®

MYGA

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

8%, 8%, 7% 7% 6% 5% 4%

FIXE

D A

NN

UIT

YGuaranteed

Minimum Surrender Value:87.5% of premium minus

withdrawals, accumulated at the

Minimum Guaranteed Contract Rate

currently 1.25%

10 YearInterest Rate Cap/Interest

Rate

Withdrawal Charge Waivers

Confinement to a Nursing home, hosptial, or Licensed Health care Facility. No age

limit

Min.$15,000NQ/Q

$1.5 Million Age 18-75 $750K Age 76-85 Max Premium without


18 -75

Trail Options Available

10.00%of Account

Value Available Immediately and every

year thereafter Systematic

withdrawals also

available

76-85

Min.$15,000NQ/Q

$1.5 Million Age 18-75 $750K Age 76-85 Max Premium without


18 -75

76-85

Guaranteed Minimum Account

Value Benefit:

(If held to the end of the surrender

charge term)7-Year: 107%

10-Year: 110%

Trail Options Available

NO Commission Chargebacks at

Death

Allocation Option

9%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3, 2%, 1% then 0

%

7 YearInterest Rate Cap/Interest

Rate

10.00%of Account

Valueyears 2+

10.00%of Account

Valueyears 2+

9%, 8.5%, 8%, 7%, 6%, 5%, 4%

then 0 %

Parent company, Western & Southern

Financial Group, has $45.5 Billion

in assets as of 5/22/17

Founded in 1888 as

The Western and Southern Life

Insurance Company


Minimum Guarantee

Minimum Premium

SPDA

IndextraTM

Fixed IndexAnnuity10 Year

Allocation OptionFI

XED

IND

EX A

NN

UIT

Y

SPDA

IndextraTM

Fixed IndexAnnuity7 Year

Integrity Life Insurance Company,

Cincinnati, OH

A+ (Superior)

from AM Best

FIXE

D IN

DEX

AN

NU

ITYAA (Very Strong)

from Standard & Poors's

AA (Very Strong) from Fitch

Aa3 (Excellent) from Moody's

96 Comdex Rating!

Products Rates Effective 8/1/2020 Withdrawal Provision

Attained Age of Younger

Annual Roll-up is simple interest

6.50%

Comm. Features

Full Value at Death

5.25%

4.25%

Indextra TM

GuaranteedLifetime Withdrawal

Benefit Rider (95 bps rider cost)

up to 9.00% Annual Roll up for

10yrs

NO Commission Chargebacks at

Death

5.00%

Iss. Age

Integrity Life 8/6/2020

http://annuity1.com/as_palette/docs/Integrity/JPMorgan_Strategic_Balanced_Index_brochure.pdf



http://www.wsfinancialpartners.com/pdfs/CF-90-50003.pdf










Most States $15,000

10 year

0-75 7.25%76-80 5.00%

Then 0%0-75 7.35%76-80 5.10%

Hartford, CTLight States $15,000

B+ A.M. Best Currently FL onlyBB- S&P 0-75 7.00%

76-80 4.75%

Then 0%0-75 7.10%76-80 4.85%

MVA + or -

Most States $15,000 7 year

0-75 6.50%

76-80 4.25%

Then 0%

0-75 6.60%76-80 4.35%

MVA + or -

Optional Amplified Income

Plus Rider

Minimum Premium

S&P 500 1yr-Annual Pt to Pt Cap 4.50%

Minimum Guarantee

Minimum Premium Iss. Age Comm. Features

Click Here for Full Rate SheetAL, AZ, AR, CO, DC, ID, IL, IA, KS, MD, MI, MS, NC, NE, NV, NH, NM, ND, OK, SD, TN, VT,

WV, WY5% of your accumulated annuity value or RMDs after

the first yrS&P 500 1-yr-Annual Pt to Pt Par 25.00%

S&P 500 1-yr-Annual Pt to Pt Par w/ 1% fee 35.00%

3.00% Annual Simple Rollup for 15 years Plus

150% of Interest credited to to the account value on

each anniversary.

12%,12%,11%, 10%,9%,8%,7%,

6%,4%,2%

Fixed Rate 2.40%

S&P 500 1-yr-Annual Pt to Pt Par w/ 1% fee

Products Current Interest Rates Effective August 1, 2020 Withdrawal Provision

Surrender Charge

10yr: HSC Paper App

S&P 500 2-yr-Annual Pt to Pt Par w/ 1% fee 59.00%Sunrise Smart Passage 2-yr-Annual Pt to Pt Par 90.00%

MVA + or - Sunrise Smart Passage 2-yr-Annual Pt to Pt

Par w/1% FeeFIXE

D IN

DEX

AN

NU

ITY


S&P 500 2-yr-Annual Pt to Pt Par 41.00%

128.00%

1.00% on 87.5%

Nassau Life and Annuity

Co.

Minimum Premium

S&P 500 1yr-Annual Pt to Pt CapS&P 500 1-yr-Annual Pt to Pt Par $1,000,000

Maximum Premium

31.00%

67.00%

S&P 500 1yr-Annual Pt to Pt CapS&P 500 1-yr-Annual Pt to Pt Par $1,000,000

Maximum Premium

Click Here for Full Rate Sheet 5% of your accumulated annuity value or RMDs after

the first yr

1.00% on 87.5%

33.00%38.00%56.00%81.00%

9%,8%,7%,6%,5%,4%,3%

9.6%,8.7%,7.8%,6.8%,5.9%,4.9%,3.9

%,3%,2%,1%

1.00% on 87.5%

Minimum Premium

23.00%

S&P 500 2-yr-Annual Pt to Pt Par

Fixed Rate 1.80%

AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS,

KY, LA, MD, MI, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH,

OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

3.25%19.00%29.00%

Sunrise Smart Passage 2-yr-Annual Pt to Pt Par w/1% Fee 120.00%

Fixed Rate


2.20%


Sunrise Smart Passage 2-yr-Annual Pt to Pt Par

Nassau Growth Annuity

10Fixed

Indexed Annuity

FIXE

D IN

DEX

AN

NU

ITY

Light Version

Sunrise Smart Passage 2-yr-Annual Pt to Pt Par w/1% Fee 106.00%

10% of your accumulated annuity value or RMDs after

the first yr


$19 Billion in Total Statutory

Assets as of June 30, 2017

Founded in 1851


10Fixed

Indexed Annuity

AK, CT, DE, FL, GA, HI, IN, KY, LA, MO, MT, OH, OR, PA, RI, SC, TX, UT, VA,

WA, WI

4.00%




Sunrise Smart Passage 2-yr-Annual Pt to Pt Par

49.00%S&P 500 2-yr-Annual Pt to Pt Par



7Fixed

Indexed Annuity

10yr: HSC E- App

10yr: LSC Paper App

10yr: LSC E- App

7yr: Paper App

7yr: E- App

FIXE

D IN

DEX

AN

NU

ITY Click Here for Full Rate Sheet

Nassau Growth Annuity 8/6/2020

http://annuity1.com/as_palette/docs/Phoenix/Phoenix_Nassau_Growth_Annuity_Product_Rates.pdf

















Most States Version Index Account Spread

Rate 10 Year Monthly Cap - S&P 500® N/A 15,000

1 yr Point to Point - S&P 500® N/APersonal 2 yr Point to Point - S&P 500® N/A NQ & Q 76 - 80 5.00%Income 1 yr Point to Point - S&P 500® N/AAnnuity 2 yr Point to Point - S&P 500® N/A MVA + or -

Hartford, CT 1-Year CSTMAI 4.00%2-Year CSTMAI 4.00% 0-75 7.35%

Fixed Account N/A 76-80 5.10%

B+ A.M. BestBB- S&P Index Account Spread

Rate 10 Year Monthly Cap - S&P 500® N/A

1 yr Point to Point - S&P 500® N/A 15,000

Personal 2 yr Point to Point - S&P 500® N/A 76 - 80 5.00%Income 1 yr Point to Point - S&P 500® N/A NQ & Q

Annuity 2 yr Point to Point - S&P 500® N/A 1-Year CSTMAI 5.50% 2-Year CSTMAI 6.00% 0-75 7.10%Fixed Account N/A MVA + or - 76-80 4.85%

10 Year

Monthly Cap - S&P 500® N/A1 yr Point to Point - S&P 500® N/A 15,000 76 - 80 5.00%

Personal 2 yr Point to Point - S&P 500® N/AIncome 1 yr Point to Point - S&P 500® N/A MVA + or - NQ & Q

Annuity 2 yr Point to Point - S&P 500® N/A 1-Year CSTMAI 5.50% 0-75 7.10% 2-Year CSTMAI 6.00% 76-80 5.10%

Fixed Account N/A Rider Fee: 0.95%

Cap Rate Participation Rate

New Index Options 6/1/18

click here


click here


click here 1.20% N/AThe Version above is approved in AK, IL, LA, MO, NH, NJ, OR, PA, UT, VT, VA, WA, WY

C Version 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0%

N/A N/AN/A N/A

2.25% N/A4.75% N/A

N/A 20.00%N/A 12.00%

Index Account

N/A

FIXE

D IN

DEX

ANN

UITY

Rider Income available

Immediately No wait!

N/A N/A

The Version above is approved in AL, AZ, AR, CO, DC, GA, HI, ID, IN, IA, KS, MD, MI, NE, NC, NV, NM, ND, OK, RI, SD, TN, WV

FIXE

D IN

DEX

ANN

UITY

N/A

Up to 10% in free

withdrawals after 1st yr

N/A N/AN/A N/A

N/A

0 - 75 7.25%

0 - 75 7.00%

Income Today Rider

30% Bonus to the Income benefit base if income is taken in yr

1, 37.5% Bonus to the Incomebenefit base if income is taken in

yr 2, 45% Bonus to the Incomebenefit base if income is taken in yr 3 PLUS Provides an additional 3% simple interest roll-up to the Benefit Base in years 3-10 or until rider exercise Rider Fee: 0.95%

PIA Paper App

The Version above is approved in CA, CT, DE, FL, KY, MS, MT, OH, SC, TX, WI

N/A

Founded in 1851

1.20%

PIA Paper App

12, 12, 12, 11,10, 9, 8, 7, 6, 4, then 0%

N/AUp to 10% in

free withdrawals after 1st yr


Company

1.60%TGV (Total Guaranteed

Value) is equal to

87.5% of the single

premium, accumulate

d at the TGV Rate

which is set at issue and ranges from 1% to 3%

PIA eApp

PIA eApp

Spread Rate

PIA Paper App

0 - 75 7.00%

Up to 10% in free


Income Tommorrow Rider

CT, FL, IA, IN, MD, MS, NV, NH, OK, PA, UT: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0% KY, OH, SC,TX: 9.1, 8.2, 7.3, 6.4, 5.5, 4.6, 3.7, 2.8, 1.8, 0.9 then 0%

TGV (Total Guaranteed

Value) is equal to

87.5% of the single

premium, accumulate

d at the TGV Rate


14% Annual Roll-up to the benefit base for 10 years (Simple Interest) then can be restarted for up to another 10 yrs at a new roll up rate.

PIA eApp


Surrender ChargeCurrent Interest Rates Effective August 1, 2020



B Version 2.25%N/A

4.75% N/A

N/A N/A

Cap Rate Participation Rate

1.35%

26.00%

1.35%

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY. Indexed accounts may not be available in all states . CSTMAI is the CS Tactical Multi Asset Index managed by Credit Suisse

Min. Prem.

Iss. Age

Comm. Eff. 10/3/11 Features

FIXE

D IN

DEX

ANN

UITY

Cap Rate

A Version

Participation Rate

TGV (Total Guaranteed

Value) is equal to

87.5% of the single

premium, accumulate

d at the TGV Rate


12.00%N/A 20.00%

N/A

6.00% N/A2.75% N/A

TGV

N/A 15.00%

1.50% N/A

Nassau Personal Income Annuity 8/6/2020

http://www.annuity1.com/as_palette/docs/phoenix/phoenix_pia_cstma_index_overview.pdf


http://annuity1.com/as_palette/docs/phoenix/Phoenix_PIA_Rates.pdf

















Most States Version Index Account Cap Rate Par Rate Spread Rate Cap Rate Par Rate Spread

Rate 10 Year

Monthly Cap - S&P 500® 1.60% N/A N/A 1.35% N/A N/A 15,000 0 - 75 7.25%1 yr Point to Point - S&P 500® 2.75% N/A N/A 2.25% N/A N/A 76 - 80 5.00%

2 yr Point to Point - S&P 500® 6.00% N/A N/A 4.75% N/A N/A 12, 12, 12, 11,10, 9, 8, 7, 6, 4, then 0%

Hartford, CT1 yr Point to Point - S&P 500® N/A 15.00% N/A N/A 12.00% N/A For CA, CT, FL, DE, IN, MS, MT,

NH, PA, SC

2 yr Point to Point - S&P 500® N/A 26.00% N/A N/A 20.00% N/A 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, then 0% 0 - 75 7.00%

1-Year CSTMAI N/A N/A 4.00% N/A N/A 5.50%B+ A.M. Best 2-Year CSTMAI N/A N/A 4.00% N/A N/A 6.00%

For DE, KY, OH, TX: 9.1, 8.2, 7.3, 6.4, 5.5, 4.6, 3.7, 2.8,

1.8, 0.976 - 80 4.75%

BB- S&P Fixed Account 1.50% N/A N/A 1.20% N/A N/A MVA + or -

Index Account Spread Rate 10 Year

Monthly Cap - S&P 500® N/A1 yr Point to Point - S&P 500® N/A 15,000 0 - 75 7.00%2 yr Point to Point - S&P 500® N/A 76 - 80 5.00%1 yr Point to Point - S&P 500® N/A MVA + or -

2 yr Point to Point - S&P 500® N/A 1-Year CSTMAI 5.50%2-Year CSTMAI 6.00%

Fixed Account N/A

Income Today Rider Bonus if withdrawals begin in Year 1 30% Year 2 37.5% Year 3 45.0%


Rider Fees


Company

Products

10 bps E-app Bonus

Withdrawal Provision Surrender ChargeCurrent Interest Rates Effective August 1, 2020

Up to 10% in free


FIXE

D IN

DEX

ANN

UITY

For AL, AZ, AR, CA, CO, DC, GA, HI, IA, ID, IL, KS, LA, MA, MI, NC, ND, NE,

NM, NV, OK, RI, SD, TN, VT, WV, WI, WY

Personal Protection

Choice Annuity


click here

Personal Protection

Choice Annuity


click here

Min. Prem.

Iss. Age

Comm. Eff. 9/1/17

10 bps E-app Bonus

Income Today Rider

NQ and Q

Rider Income available

Immediately No wait!

FeaturesAL, AR, AZ, CO, DC, GA, IA, ID,

IL, IN, KS, MD, MI, ND, NE, NM, NV, OK, RI, SD, TN, WV

CA, CT, DE, FL, HI, KY, LA, MS, MT, NH, OH, SC, TX, UT,

VT, WI, WY

10 bps E-app Bonus

Income & Family Protection: 1.15% * of the income Benefit Base

Increases the amount of your income withdrawal for up to 5 years in the event you are confined to a nursing home and/or are unable to perform 2 of 6 activities of daily living (ADLs). This benefit is available after your second contract anniversary and ranges from 125% to 250% of your income benefit based on age and qualification level. (NOT available in CA)

30% Bonus to the Income benefit base if income is taken in yr 1,

37.5% Bonus to the Incomebenefit base if income is taken in yr 2,

45% Bonus to the Incomebenefit base if income is taken in yr 3 PLUS Provides an additional 3% simple interest roll-up to the Benefit Base inyears 3-10 or until rider exercise

The Version above is approved in AL, AR, AZ, CA, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, MD, MI, MS, MT, NC, ND, NE, NV, NM, OH, OK, RI, SC, SD, TN, TX, WV

Participation Rate

Plus … Provides an additional 3% simple interest roll-up to the Benefit Base in years 3-10 or until rider exercise

20.00%

1.35% N/ACap Rate

N/A

N/A4.75%

N/A

14% Annual Roll-up to the benefit base for 10 years (Simple Interest) then can be restarted for up to another 10 yrs at a new roll up rate.

Offers guaranteed lifetime income and an income bonus of up to 45% of your initial contract value, credited to your benefit baseThe Version above is approved in AK, IL, LA, MO, NH, NJ, OR, PA, UT, VT, VA, WA, WY

Ride

r Fea

ture

s and

Ben

efits

FIXE

D IN

DEX

ANN

UITY

Founded in 1851

AK, MN, MO, NJ OR, VA & WA: 10, 9, 8, 7, 6, 5, 4, 3, 2, 1,

then 0%

N/AN/A

N/AN/AN/A

Income & Care Protection: 0.95% of the income Benefit Base

Rider combinations &

Offers guaranteed lifetime income and 14% Annual Roll-up to the benefit base for up to 10 years (Simple Interest)

Provides an enhanced lump-sum death benefit equal to a simple interest roll-up of 5% or 10% (depending on your attained age) for 10 years, up to a maximum of 250% of premium or age 85, whichever comes first

Income, Family & Care Protection: 1.15%* of the income Benefit Base

FamilyProtection

Benefit

$19 Billion in

Total Statutory


IncomeProtection

Benefit

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide and other carrier mareting materials for inforamtion on by not limited to specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.

CareProtection

Benefit

N/A

* Rider Fee is 1.00% In MN

1.20%

Up to 10% in free


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

NQ and Q


12.00%

2.25%

Nassau Personal Protection Annuity 8/6/2020



http://annuity1.com/as_palette/docs/phoenix/Phoenix_PPC_Rates.pdf










888.661.1999 August Spreadsheet http://annuity1.com

3.00% N/A N/A3.00% N/A N/A3.00% N/A N/A1.00% N/A N/A

N/A N/A 65%N/A 2.00% N/A E. D.B. Rider Charge 50 bpsN/A 5.75% N/AN/A 5.75% N/AN/A 1.15% N/A

2.50% N/A N/A2.50% N/A N/A2.50% N/A N/A0.90% N/A N/A

N/A N/A 60%N/A 1.65% N/AN/A 6.50% N/AN/A 6.50% N/AN/A 1.10% N/A

Cap Rate Cap Rate Cap Rate2.50% 2.25% 2.25%2.50% 2.25% 2.25% 76-85 5.00%2.50% 2.25% 2.25%1.10% 1.05% 1.05%Par Rate Par Rate Par Rate65% 55% 55%

2.35% 2.10% 2.10%4.00% 6.00% 6.00% NEW! Income Doubler4.00% 6.00% 6.00% 2/6 ADLS 1.50% 1.25% 1.25% Rider Charge 105 bps

A

FIXE

D IN

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AN

NU

ITY

A.M. BEST RATING

Income 150+ SE Option A (Trail options Available)

5 Deferral Bonuses yrs 1-5 Totaling 50%+ 150% of Interest Credited yr

10!

$10,000 - $24,999

Trigger Rate/Spread/Interest Rate

$25,000NQ - Q

Maximum Premium

$1,000,000 maximum

premium for ages 45-80

$500,000 maximum


$25,000NQ - Q

Maximum Premium$1,000,000 maximum

premium for ages 45-80$500,000 maximum


$10,000NQ - Q

Maximum Premium

$1,000,000 maximum


$500,000 maximum


10-year

+/-MVA

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

CA ONLY 9-year+/-MVA

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

Spread/ Interest

Rate

PIMCO Balanced Index 1-Year Point-to-Point with Par Rate

S&P 500® 1-Year Point-to-Point with Performance Trigger

$24.9 Billion in Assets

under manangement as

of 12/31/16

BlackRock Diversa™ VC 2-Year Point-to-Point with Spread

Franklin US Index 2-Year Point-to-Point with SpreadFixed Rate

MSCI EAFE 1-Year Point-to-Point with CapRussell 2000 1-Year Point-to-Point with Cap

S&P 500® 1-Year Point-to-Point with Cap

Choice Accumulation II - 10yr ($100K or Less)

Russell 2000 1-Year Point-to-Point with Cap

Comm. Rev.6-22-20

• 10% of the beginning-of-year Contract

Value after the first

contract year can be

withdrawn each year

without incurring

withdrawal charges.

FeaturesChoice Accumulation II 10

Option A (Trail options Available)

0-80

Choice Accumulation II 10 Option A

(Trail options Available)

7.00%0-80

7.00%

4.00%81-85


Surrender Charge


Value after the first

contract year can be

withdrawn each year

without incurring

withdrawal charges.

Minimum Premium

Minimum Guarantee

Iss. Age

87.5% of the premiums paid, less withdrawals

and rider charges, compounded at the

applicable Minimum

Guaranteed Contract

Withdrawal Value Interest Rates,

ranging from 0% to 3%.



applicable Minimum

Guaranteed Contract



10-year

+/-MVA

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

CA ONLY 9-year+/-MVA

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

Cap Rate

Choice Accumulation II - 10yr (More than $100K)


Income 150+ SE


55-75 7.00%

S&P 500® 1-Year Point-to-Point with Monthly Cap

$25,000 - $99,999

Franklin US Index 2-Year Point-to-Point with Spread

FIXE

D IN

DEX

AN

NU

ITY


Fixed Rate

4.00%


Value after the first contract year can be withdrawn each year without incurring

withdrawal charges.

10-year

+/-MVA

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

0%



applicable Minimum

Guaranteed Contract



81-85

$100,000 plus

Cap Rate

Spread/ Interest

RateMSCI EAFE 1-Year Point-to-Point with Cap

Income 150+ SE

7.00% Simple Interest for 15 years

Optional Enhanced Lump Sum Death Benefit

Choice Accumulation II

Products

Annuities are issued by

Forethought Life Insurance Company

A- ("Strong") S&P

Current Interest Rates (Effective 7/9/2020)

S&P 500® 1-Year Point-to-Point with Monthly CapPIMCO Balanced Index 1-Year Point-to-Point with Par RateS&P 500® 1-Year Point-to-Point with Performance TriggerBlackRock Diversa™ VC 2-Year Point-to-Point with Spread

Franklin US Index 2-Year Point-to-Point with SpreadFixed Rate

Par Rate

S&P 500® 1-Year Point-to-Point with Monthly CapPIMCO Balanced Index 1-Year Point-to-Point with Par RateS&P 500® 1-Year Point-to-Point with Performance TriggerBlackRock Diversa™ VC 2-Year Point-to-Point with Spread

Par Rate

MSCI EAFE 1-Year Point-to-Point with CapRussell 2000 1-Year Point-to-Point with Cap

FORETHOUGHT 8/6/2020

http://www.globalatlantic.com/













3 Year9%,8%,7%

8.4%,8.35%,7.35% CA Only

81-85 0.75%4 Year 86-90 0.50%

9%,8%,7%, 6%8.4%,8.35%,7.35%, 6.3% CA Only

81-85 1.00%MVA Applies for rate guarantee

term 86-90 0.65%

5 Year9%,8%,7%,6%,5%

8.4%,8.35%,7.35%, 6.3%, 5.3% CA Only

81-85 1.25%MVA Applies for rate guarantee

term 86-90 0.75%

6 Year

9%,8%,7%,6%,5%,4%

8.4%,8.35%,7.35%, 6.3%, 5.3%, 4.25% CA Only

81-85 1.50%MVA Applies for rate guarantee term 86-90 0.90%

7 Year9%,8%,7%,6%,5%,4%,3%

8.4%,8.35%,7.35%, 6.3%, 5.3%, 4.25, 3.2% CA Only 0-80 2.25%

then 30 day window applies 81-85 1.75%

MVA Applies for rate guarantee term 86-90 1.00%

0.50%$10,000 Qualifed

NO MVA 81-85 0.90%

A

$1,000,000 0-80 81-85 1.25%

$500,000

NO MVA 81-85

1.75% Guaranteed yrs 1-3

10% of the beginning-of-year contract value after the first contract

year

3 year

High Band $100K+ Premium Mid Band $50K+ Premium


Milestone MYGA 3 Year 2.40% Guaranteed yrs 1-3 1.80% Guaranteed yrs 1-3

Milestone MYGA 7 Year-CA

Only


Milestone MYGA 3 Year-

CA only2.35% Guaranteed yrs 1-3 1.75% Guaranteed yrs 1-3 1.35% Guaranteed yrs 1-3

Milestone MYGA 4 Year 2.65% Guaranteed yrs 1-4 2.05% Guaranteed yrs 1-4 1.55% Guaranteed yrs 1-4

Milestone MYGA 4 Year-

CA only2.60% Guaranteed yrs 1-4 2.00% Guaranteed yrs 1-4 1.50% Guaranteed yrs 1-4


Full account

value payout at

death

Minimum Premium Amount: $15,000

(Qualified and Non-Qualified)

Maximum Premium Amount: $750,000 (higher

amounts are available with Home Office

Approval)

Milestone MYGA 5 Year

0-80


2.00%

Nursing home

confinement and terminal

Illness Waivers of

8%, 8%, 7%, 6% 5%, then 0%

Features

Full Contract Value at Death

then 30 day window applies



0-80 2.15%

Equals 87.5% of the single

premium paid, accumulated at

the nonforfeiture rate, adjusted

bynet withdrawals plus surrender charges, if any


0-80 1.65%

RMDs allowed

SecureFore 3

0-80 1.80%

SecureFore 5

0-80 2.50%

Maximum Premium

8%, 8%, 7%, then 0%


Products Current Interest Rates Effective 7-23-20 Withdrawal Provision Surrender Charge Minimum

GuaranteeMinimum Premium Iss. Age Comm. Features

Minimum Premium Iss. Age Comm.Withdrawal

Provision Surrender Charge Minimum Guarantee

FIXE

D IN

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ITY



0-80 1.25%

SecureFore 5

A.M. Best

2.60% Guaranteed yrs 1-7 2.15% Guaranteed yrs 1-7

Minimum Premium

or Non-Qualifed

5 year

SecureFore 3


Annuities are issued by

Forethought Life Insurance

A.M. BEST RATING

CA Only: Equals 90.8%

of the premium paid,

accumulated at the

nonforfeiture rate plus

1.00%, in years 1-10, followed by the greater

of the nonforfeiture

rate less 1.50%, and 1.00% in year 11 and thereafter,

adjusted by net withdrawals

Milestone MYGA 6

Year2.90% Guaranteed yrs 1-6 2.60% Guaranteed yrs 1-6

FIXE

D A

NN

UIT

Y


Systematic withdrawals

available

$24.9 Billion in

Assets under manangement as of

12/31/16

2.90% Guaranteed yrs 1-5 2.35% Guaranteed yrs 1-5

Milestone MYGA 7

Year

Sagicor Life Insurance Company

Austin, Texas

A- (Excellent)

Sagicor Life Insurance Company has approximately

$1.2 billion in assets as of 12/31/15 2.10% Guaranteed yrs 1-6

2.95% Guaranteed yrs 1-7 2.65% Guaranteed yrs 1-7 2.20% Guaranteed yrs 1-7

then 30 day window applies10.00%

each year (beginning

contract year 2)


Low Band $15K+ Premium



Only



Only

2.85% Guaranteed yrs 1-5 2.30% Guaranteed yrs 1-5 1.85% Guaranteed yrs 1-5

Milestone MYGA 5

Year

Sagicor-Symetra 8/6/2020


3 Year10%, 9%,8%


UpStream Life5 Year 81-90 1.00%

10%,9% 8% 7% 6%then 30 day window applies

7 Year10%,9% 8% 7% 6%, 5%, 5% 81-90 1.25%


10 Year

81-90 1.35%then 30 day window applies

15 Year

81-90 1.45%then 30 day window applies

MVA Applies for rate guarantee term

81-90 1.60%Interest Rate Reduction

No Rate Reduction-Included

No Rate Reduction-Included

-0.15%

-0.25%

Products Current Interest Rates Effective 7-20-20 Surrender Charge Minimum Guarantee

3 Year term

3 year 2.50% 2.50% 2.50% 0-80 2.05%

Minimum Premium Iss. Age Comm. Rev.

1-15-20Features

Interest Rate Term Year 1 Year 2+ Effective Compound Level Rate

Oxford, MS 0-80 2.55%10 year 3.60% 3.60% 3.60%

5 year 3.45% 3.45% 3.45%5 Year term

7 year 3.50% 3.50% 3.50%

10%,9% 8% 7% 6%, 5%, 5%, 5%, 5%, 5%3 year 2.65% 2.50% 2.49%

4.72% 3.52% 3.48% 10%, 9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%

0-80

5.60% 4.60%For issue ages 55+, the 15-year Period will

have surrender charges reduced to 0% in years 11+.

Founded in 1912!

Writing Agent Additional Commission – When a Writing Agent’s 2020 aggregate MYGA premium

production reaches the abovementioned threshold, the Writing Agent’s

commisson will increase, as specified above, for his new MYGA premium production

FIXE

D A

NN

UIT

YSecure LegacyCompound

Interest annuity

15 Year 3.65% 7 Year termB++ Secure

Foundation Simple Interest annuity

Interest Rate Term Year 1 Year 2+ Effective Compound Level Rate

3.05%

0-80 2.80%A.M. Best

3.65%

This rider allows you to withdraw in a contract year, without Surrender Charge or Market Value Adjustment applied to up to 10% of your Contract Value (on a non-cumulative basis) . Lump sum or equal monthly or quarterly payments. Available after the 1st yr

Interest Rate Reductions for Optional

Riders

Interest Rate Reductions for Optional RidersRider

Accumulated Interest WithdrawalThis rider allows you, after 30 days, to withdraw accumulated interest without Surrender Charge or Market Value Adjustment applied. Lump sum or equal monthly or quarterly payments

10% Free Withdrawal Rider

10 year 5.10% 4.10% 3.57%

15 Year 3.60%

Death Benefit Rider= Contract Value

7 year

5 year 4.45% 3.45% 3.41%

Policies issued by Upstream Life Insurance

Company

$1,000,000 0.10%

$3,000,000 0.20%

15 Year term

0-80 4.80%

1.00%

State Specific Instructions/Exclusions:

Nevada: Interest rates are 10

bps less that state rates. Important Note: Death

Benefit Rider is Required on all contracts where the

Issue Age is 81-90 in all states

Current State Approvals as

of June 30, 2020:Approved States: AR, AZ,

CO, DC, ID, IL, IN, LA, MD, MS, MT, ND, NE, NM, NV, OH, SD, TX, UT, WV, WY

Upstream Writing AgentAdditional Commission

MYGA Premium Threshold

Increase In Commission

$500,000 0.05%

Required Minimum Distribution (RMD)

This rider allows you, after 30 days, to withdraw Required Minimum Distributions (RMD) without Surrender Charge or Market Value Adjustment applied. Lump sum or equal monthly or quarterly payments. Current year's RMD should be taken prior to transfer/ rollover to upstream.

2.50% Guaranteed

for 3 years with 3 year Surrender!

3.45% Guaranteed for

5 years with 5 year Surrender!

$ 10,000 Qualified or Non-

Qualified; over $1

million will require homeoffice

approval

10 Year term

This rider ensures that upon the death of the Owner the death benefit paid will be equal to the Contract Value, and Surrender Charge, or Market Value Adjustment will be waived. If clients do not elect this rider the death benefit is equal to the cash surrender value lump sum or Contract value if Beneficary takes death proceeds over 5 year period in equal installments.


3.65%

Upstream Life 8/6/2020


5 Year9%,8%,7%,6%,5%


6 Year 81-90 1.30% 9% 8% 7% 6% 5% 5%then 30 day window applies

7 Year 9% 8% 7% 6% 5% 5% 5% 81-90 1.40%

2.90% yrs. 1-5 3.90% yrs. 11-15 then 30 day window applies

3.40% yrs. 6-10 4.40% yrs. 16-2010 Year


20 Year


MVA Applies for rate guarantee term

3.25% yrs. 1-5 6.25% yrs. 11-15

4.25% yrs. 6-10 7.25% yrs. 16-20

Interest Rate Reduction

-0.05%

-0.15%

-0.25%

Products Current Interest Rates Effective 6-11-20 Surrender Charge Features

FIXE

D A

NN

UIT

Y

Interest Rate Term

Effective Compound Level Rate

1.00%

Minimum Guarantee

Rider

Interest Rate Reductions for O

ptional Riders

No Agent Commission Chargeback

at Death Ages 0-80!

5 year

5 and 6 Year terms

This rider allows you to withdraw in a contract year, without Surrender Charge or Market Value Adjustment applied to your first withdrawal, up to 10% of your Contract Value (on a non-cumulative basis) or your Required Minimum Distribution. You will not be entitled to a 10% free withdrawal on full surrenders After the 1st yr

3.53%

Accumulated Interest Withdrawal

Minimum Premium Iss. Age Comm.

Rev. 1-19

B++A.M. Best

3.44%

9% 8% 7% 6% 5% 5% 5% 5% 5% 5%Year 1 Year 2+

Year 1 Year 2+

Safe Harbor Bonus

GuaranteeSimple Interest annuity 10 year 5.05% 4.05%

7 year 4.70%

Atlantic Coast Life Insurance

Company 7 and 10 Year terms

Charleston, SC

6 year 3.42%

7 year 4.30% 3.30%

Safe Haven Bonus

GuaranteeCompound

Interest annuity

20 Year term

3.55%10 year 4.45% 3.45%

$ 5,000 Qualified or

Non-Qualified; over $1


approval

0-80 2.40%3.35%4.15% 3.15%

4.25% 3.25%

This rider ensures that upon the death of the Owner the death benefit paid will be equal to the Total Contract Value, and any Withdrawal, Surrender Charge, or Market Value Adjustment will be waived. If clients do not elect this rider the death benefit is equal to the cash surrender value lump sum or Accumulation value if Beneficary takes death proceeds over 5 year period in equal installments.

Effective March 1, 2017The Safe Harbor simple interest plans no longer

have the optional Preferred 10% Withdrawal (10%) or Accumulated Interest Withdrawal (AIW)

liquidity riders.The Safe Haven Plans are unchanged and therefore have these rider

available.

In exchange, the crediting rates for the plans have been increased by 5bps.

3.55% Guaranteed


Interest Rate Term

FL-UT Only: 20 Year term

20 Year 3.65%Effective Compound

Level Rate

5 year 4.35% 3.35% 3.32%

Cases below

$10,000 MUST be submitted via e-app effective April 1, 2020

6 year 4.55% 3.55%

3.46%

0-80 2.65%

0-75 3.15%

Surrender Charges are based on attained age & vary in some states.

9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%

Founded in 1925!


0-50 3.15%

State Specific Instructions/Exclusions:Florida– Death Benefit Equals Account Value Contract Rider is included on all contracts for a 10 bps lower interest rate. Florida: Max issue age for 20 yr term is age 50. Utah: Max issue age for 20 yr term is age 50. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90 in all states except FL because it already included.Current State Approvals as of August 20, 2019:Approved States: AL, AZ, AR, CO, DE* FL, GA, HI, IA, IL,IN, KS, KY, LA, MA, MD, MS, MO, NC, ND, NE, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WV, WYState Variations in FL *Safe Harbor not available in DE. Only Safe Haven Guarantee Annuity available

3.35% Guaranteed

for 5 years with

5 year Surrender!

This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without Surrender Charge or Market Value Adjustment applied. Available after 30 days!

3.41%

Interest Rate Reductions for Optional Riders

3.70%

Preferred 10% Free Withdrawal

20 Year 3.65%

Death Benefit = Account Value

Atlantic Coast Life Insurance Company 8/6/2020


5 Year0-86: 9%,8%,7%,6%,5%

89: 9% 5% 5% 5% 5% 4% 0-80 2.25%90: 5% 5% 5% 5% 4% 81-90 1.50%

7 Year0-86: 9% 8% 7% 6% 5% 5% 5%

87: 9% 8% 7% 5% 5% 5% 5%

88: 9% 8% 5% 5% 5% 5% 4% 0-80 2.25%89: 9% 5% 5% 5% 5% 4% 3% 81-90 1.50%

10 Year0-84: 9% 8% 7% 6% 5% 5% 5% 5%

5% 5%Rider Interest Rate Reduction 85: 9% 8% 7% 6% 5% 5% 5% 5% 5% 4% 0-80 2.75%

Accumulated Interest Withdrawal -0.08% 86: 9% 8% 7% 6% 5% 5% 5% 5% 4% 3% 81-90 2.00%87: 9% 8% 7% 5% 5% 5% 5% 4% 3% 2%

88: 9% 8% 5% 5% 5% 5% 4% 3% 2% 1%

Required Minimum Distribution -0.16% 89: 9% 5% 5% 5% 5% 4% 3% 2% 1%, 0%

90: 5% 5% 5% 5% 4% 3% 2% 1%, 0%,0%

Preferred 10% Free Withdrawal -0.08% MVA Applies for rate guarantee term

Surrender Charges are based on attained age.

Terminal Illness/Nursing Home Care -0.15%

72 (t) Free Withdrawal -0.05% Click here to view FL Agent Quick Sheet

Click here to view MN Agent Quick Sheet

Death Benefit = Account Value -0.35% Click here to view OK Agent Quick Sheet

Click here to view UT Agent Quick Sheet

Click here to view TX Agent Quick SheetClick here to view OR Agent Quick Sheet

Click here to view PA Agent Quick SheetClick here to view CA Agent Quick Sheet


This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without Surrender Charge or Market Value Adjustment applied.

45 Day Rate

Lock! Based on

app signed date.

This rider allows you to access some or all of your funds under certain conditions if you are diagnosed with a terminal illness or confined to a nursing home.

For contract owners younger than 59 ½ years of age, this rider allows for withdrawal of Substantially Equal Periodic Payments under IRS Code 72t without Surrender Charge or Market Value Adjustment Applied.

"Build Your Own Product" The Sentinel Personal Choice Annuity is both a single premium deferred annuity and a flexible wealth accumulation vehicle. It gives you the opportunity to maximize credited interest rate at the beginning of each Rate Guarantee Period by declining optional rider features that you may not need. Most products are loaded down with features that many clients don't want and never use. By declining all the riders except those your clients will actually use they get the maximum credited rate possible and the features they want. You can full customize this product to your client specific needs thus maximizing the value for your client.

This rider allows you to withdraw in a contract year, without Surrender Charge or Market Value Adjustment applied to your first withdrawal, up to 10% of your Contract Value (on a non-cumulative basis) or your Required Minimum Distribution. You will not be entitled to a 10% free withdrawal on full surrenders. Ater the 1st yr

This rider ensures that upon the death of the Annuitant, the death benefit paid will be equal to the Total Contract Value, and any Withdrawal, Surrender Charge, or Market Value Adjustment will be waived. If clients do not elect this rider the death benefit is equal to the cash surrender value lump sum or Accumulation value if Beneficary takes death proceeds over 5 year period in equal installments.

1.00%3.55% Guaranteed yrs 1-10

7 year

10 year

FeaturesMinimum Premium Iss. Age Comm.

Personal Choice 5

No Agent Commission

Chargeback at Death Ages 0-

79!

Personal Choice 10

Personal Choice 7


Non-Qualified; over $1


approval

Cases below $10,000

MUST be submitted via e-app effective

April 1, 2020

3.55% Guaranteed


Products Surrender Charge Minimum Guarantee

3.35% Guaranteed

for 5 years with

5 year Surrender!

Interest Rates Effective 6-11-20

Refer to the Agent Quick Sheet for Details. Click here to view the Standard Agent Quick Sheet

State Specific Instructions/Exclusions:CA & FL– Death Benefit Equals Account Value Contract Rider is included on all contracts but interest rates are 10 bps lower. Terminal Illness Rider not available California – Terminal Illness Rider not available. Oklahoma – issue ages limited to 80, maturity date age 90. Minnesota– Rates are 30-50 bps less, Doesn't have an MVA. Has different Surrender charges Pennsylvania – Terminal Illness Rider not available. Nebraska – In no case will the Death Benefit be less than the premium paid. Important Note: Death Benefit Rider is Required on all contracts where the Annuitant is 86-90Current State Approvals as of 8/27/2019:Approved States: AL, AR, AZ, CA, CO, DE, GA, FL, HI, ID, IA, IL, IN, KS, KY, LA, MD, MN, MS, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, SC, SD, TX, UT, WYState Variations in CA, FL, MN, NV, OK, OR, PA, TX, & UT

FIXE

D A

NN

UIT

YGuaranteed Rate

5 year

Interest Rate Term

Salt Lake City, UT

90: 5% 5% 5% 5% 4% 3% 2%



Insurance Company

A.M. Best

B++

Founded in 1957!

This rider allows you, during the Surrender Charge Period, to withdraw accumulated interest without Surrender Charge or Market Value Adjustment applied. Available after 30 days!

Interest Rate Reductions for Optional Riders


Sentinel Plan™

Personal Choice

Annuity™An a la carte

solution for a

custom annuity

Sentinel Security Life 8/6/2020

http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights.pdf

http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_FL.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_MN.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_OK.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_UT-WA.pdf




http://www.annuity1.com/as_palette/docs/ssl/ssl_pca_agent_highlights_tx.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_OR.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_PA.pdf



http://annuity1.com/as_palette/docs/SSL/SSL_PCA_Agent_Highlights_CA.pdf








Equitable Life Intial- 2 year term

Renewal- 3 year term

+ or - MVA 0-80 1.25% 1.50%

81-90 1.00% 1.00%Salt Lake City, UT

B+ A.M. BestOutlook Stable 0-75 2.00% 1.00%

76-80 1.75% 0.875%81-90 0.75% 0.375%

Intial- 2 year term


+ or - MVA 0-80 1.25% 1.50%81-85 1.00% 1.00%

0-75 2.00% 1.00%76-80 1.75% 0.875%

Bonus

0.25%0.50%0.75%

0-7980-100

0-79B++ A.M. Best 80-85

0-7980-90

FL Secure Savings™ Elite Annuity 5 year

2.95% Guaranteed for 5 Years


Secure Savings™

Annuity 2 year


Products


Rated by A.M. Best - October 2019

FIXE

DFI

XED

Founded in 1935

Secure Savings™

Annuity 5 year


0.06%

Secure Savings Elite 2-year

Founded in 1926

ProductsSurrender Charge ^

Minimum Guarantee

Minimum Premium

Iss. Age

Commission Rev. 04/08/17 Features

1.00%

Minimum Premium

$5,000 NQ $2,000 Q

Maximum Premium Age 0-89 $600,000Age 90+ $200,000

(without prior approval)

FIXE

D

Guaranty 6 Annuity - 6

Year Rate Guarantee!

Guaranty 4 Annuity -

4 Year Rate Guarantee!

0.80%Guaranty 6

1.00%

Full Accumulation Value death

benefit 2.00%

1.60%

NV,OH, OK, RI, SC, SD, TN, TX, UT, VT, WV, WI, WY

Some Liquidity provisions are available by rider on trhe elite annuity

series.

The Death Benefit is equal to the Cash

Surrender Value for the Secure Savings Elite 2 year and 5 year. (**Except in FL elite where the Death

Benefit is the Full accoumulation value but

slightly lower rate)

$250,000-499,999$500,000-749,999

$750,000+

1.00%

SECURE SAVINGSTM ELITE STATE APPROVALS

as of 12-9-19AL, AK, AR, AZ, CT, CO, DC, DE, FL, GA, HI, IA, ID

IL, IN, KY, KS, ME, MI, MO, MS, MT, NE, NC, ND, NM, NH


Secure Savings Elite 5-year

Paid Premium

“30-Day Window” applies at the end of

the guarantee period.

Maximum Premium $500,000


ELITE ELEVATIONThe Monthly Agent Bonus on Secure Savings

Elite Series

Click here for the Secure Savings Elite Elevation Bonus Flyer

Intial- 5 year term

9%, 8%, 7%, 6%, 5%

Minimum Premium $10,000

Qualified or Non-Qualified

81-85 0.75% 0.375%

Iss. Age CommissionSurrender

ChargeMinimum


1st year , the greater of credited interest only or

Required Minimum Distribution (RMD) may be

withdrawn.

2nd yr & after , the greater of 5% of the Account Value, credited interest or RMD

may be withdrawn.

FeaturesWithdrawal Provision

Full Account Value Death

Benefit

Liquidity and death benefit provisions are automatically included with

annuity series.

9%, 8%, 7%, 6%, 5%

1.00%

Minimum Premium $10,000

Qualified or Non-Qualified

Secure Savings 2-year

“30-Day Window” applies at the end of

the guarantee period.

Maximum Premium $500,000


Secure Savings 5-yearIntial- 5 year

termRenewal- 5 year

term

RIDERSSECURE SAVINGS™

ELITE** 2 Year

5% Penalty Free Withdrawal

FIXE

DFI

XED

0.10%Death Benefit Equal Account Value Not Available

Accumulated InterestRequired Minimum Distribution

Interest Rate Reduction for Riders on Elite SeriesSECURE SAVINGS™ ELITE** 5 Year

0.06%

The Secure Savings™ Elite Annuity Series is a single premium deferred annuity that gives you the opportunity to maximize credited interest rate by declining optional rider features that you may not

need. Certain liquidity features are available on the 2yr term but not

currently on the 5yr term. Both pay cash surrender value at death

lump sum.

0.06%

Secure Savings™

Elite Annuity 5 year


Secure Savings™

Elite Annuity 2 year


FL Secure Savings™ Elite Annuity 2 year


0.06%0.10%

Not Available

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY. ^Surrender charge variation in FL, IL, UT: 6 YR 8% 7% 6.5% 6% 5% 4% then o%

Guaranty 4: OK Only

GUARANTY INCOME LIFE INSURANCE COMPANY

Baton Rouge, LA




4 YR 8% 7% 6% 5% then o% + or -

MVA True Walk away No 30 day

window

6 YR 8% 7% 7% 6% 5% 4% then

o% + or - MVA True Walk away No

30 day window

Guaranty 4: Most states1.60%0.80%


100% of the accumulated interest

or elect toreceive monthly interest payments, subject to a

$100 minimum.

Equitable-GILICO 8/6/2020

http://annuity1.com/as_palette/docs/Equitable/Contracting/Equitable_Secure_Savings_Elite_Elevation_Bonus_Flyer.pdf








3-Year0-7980-89

5-Year

0-79

80-89

7-Year

0-79

80-89

10-Year

9,% 9%, 8%, 7%. 6%, 5%, 4%, 3%, 2%, 1% 0-79

MVA + or - 80-89

New surrender charge period applies to renewals, after 30 day free withdrawal

window

$250K or more Less Than $250K 30 Day Window prior end of term No MVA States

3-Year 2.50% 2.40% 3 YR 7% 6% 5% 0-80 1.00% 1.00%4-Year 2.60% 2.50% 4 YR 7% 6% 5% 4% 81-85 0.75% 0.75%

Indianapolis, IN 5-Year 2.70% 2.60% 5 YR 7% 6% 5% 4% 3% 86-90 0.50% 0.50%

6-Year 2.80% 2.70% No MVA States

7-Year 2.85% 2.75% 0-80 1.75% 1.50%8-Year 2.90% 2.80% 81-85 1.31% 1.15%9-Year 3.00% 2.90% 86-90 0.88% 0.75%

10-Year 3.10% 3.00% No MVA States

0-80 2.50% 2.00%81-85 1.88% 1.50%86-90 1.25% 1.00%

No MVA States

0-80 3.00% 2.50%81-85 2.25% 1.90%

MVA + or - 86-90 1.50% 1.25%

FeaturesWithdrawal Provision Surrender Charge

Rates Effective 7-28-20Products Current Interest Rates

3-Year

3.10%

Minimum Guarantee

Minimum Premium

Iss. Age Comm. Rev. 5/1/20

9%, 8%, 7%

9%, 8%, 7%. 6%, 5%

Oceanview Life and Annuity

Company (Denver, CO)

A - (Excellent) from A.M.

Best

FIXE

D

Harbourview SM

Multi-Year Guarantee

Annuity

3-Year

3-5-7-10 year terms

5-Year

7-Year

10-Year

3.25%

Surrender Charge Minimum Guarantee FeaturesRates Effective 8/01/20Products Current Interest Rates Withdrawal

ProvisionGuggenheim Life

and Annuity Company

FIXE

D

Preserve MYGA

10% Annually starting year 2



Contract Rate Currently 1%

10 year Most States

Qualified $5,000

3 year Most States

Full account value at death.

Surrender Charges

waived. No MVA applied.

Minimum Premium

Iss. Age Comm.

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY

B++ (Good) from A.M. Best Monthly interest

as earned or automatic RMD

for qualified plans starting

year 2

6 YR 7% 6% 5% 4% 3% 2%

4 year Most States

Non-qualified $10,000

11.29 Billion in assets as of

12/31/18

7 YR 7% 6% 5% 4% 3% 2% 1%

8 YR 7% 6% 5% 4% 3% 2% 1% 1%

5-6-7-8-9 year Most States

Guggenheim Partners is a privately held global financial services firm with more than $180 billion in assets under

management. They are the Ultimate Parent of Guggenheim Life and Annuity Company, Company, and Security Benefit

Life Insurance Company.

No MVA StatesDE

This states have same interest rates as the standard version but No Market

Value Adjustment.These states do have a slightly reduced commission than the

standard version.

9 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%

10 YR 7% 6% 5% 4% 3% 2% 1% 1% 1%

0.75%

9%, 8%, 7%. 6%, 5%, 4%, 3%

10% Annually starting year 2

RMD for qualified plans starting year 2

2.50%

3.25%

Death Benefit:Account value (No MVA or surrender

charges) or spousal

continuation

87.5% of premium minus withdrawals, accumulated at the

Minimum Guaranteed Credit

Rate

Guaranteed Minimum Credited

Rate: 1%

$10,000NQ or Q

1.50%

7-Year

5-Year

2.50%

2.75%

1.375%

10-Year

3.00%

1.50%0.75%

1.25%

Oceanview/Guggenheim 8/6/2020


30 Day Window following end of term

3 YR 10% 9% 8% 18-754 YR 10% 9% 8% 7% 76-805 YR 10% 9% 8% 7%

6%

18-75Phoenix, Arizona 76-80

18-75

(Excellent) 76-79A.M. Best

18-7576-79

8-year* 9-year18-75 1.45% 2.75%76-77 0.92% 1.75%

MVA + or - 18-75

5 Year

0-80

81-90

0-8081-90

MVA + or -

Founded in 1957!

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY

FIXE

D

American Life & Security Life

Corp

Lincoln, NE

B++

A.M. Best

Fixed Deferred Annuity

3.20%


Minimum Premium

Iss. Age Comm. rev. 7-1-20

FIXE

D

FeaturesSurrender Charge Minimum Guarantee

Minimum Premium

Iss. Age Comm. Rev. 7-1-17

Current Interest RatesProductsRates Effective 8/1/2020


9 YR 10% 9% 8% 7% 6% 5% 4% 3% 2%

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

6-year*1.25%0.75%




Maximum $1,000,000

.00 for issue ages

18 – 75 and

$500,000.00 for issue ages 76 –

80 per owner

10 year 3.00%

Minimum $20,000

NO Exceptions

0.50%

5-7 year

2.50%1.50%

4 year*

1.27%

• Full Account Value at Death

• Nursing Home Waiver

• Home Heath Care Waiver

• Terminal Illness Waiver

3 year

Assets $1.87 Billion in Assets as of 12/31/2016

6 YR 10% 9% 8% 7% 6% 5%

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


Oxford LifeInsurance Company

A-

Multi-Select MYGA 10% Annually

starting year 2

8 YR 10% 9% 8% 7% 6% 5% 4% 3%

3-Year 2.00%

4-Year

1.00%

0.54%

* 0.60% ending balance credit payable at the end of guarantee

period if no withdrawals other than Required Minimum Distributions are

taken

3.32% Guaranteed Yield to Surrender with

Enhanced Interest Credit.

Enhanced Interest Credit*

5-Year Guaranteed

Rate

5- year Paper apps

2.25%1.250%

The American Classic MYGA 5 is available in

the following states: AZ, CO, DC, HI, IL, IN, IA, LA,

MO, MT, NE, NV, NM, OH, OK, TX, and UT

RMD or Interest Withdrawals

starting year 2

9%,8%,7%, 6%,5%

Temporary commission reduction:* Effective July 1, 2017, until further notice, commissions will be paid at the percent listed below for the following durations.Commissions listed include the reduction.Multi-Select 4 will be paid at 73% of original commission levelMulti-Select 6 will be paid at 50% of original commission levelMulti-Select 8 will be paid at 53% of original commission level

6-Year 2.85%

American Classic MYGA 5

10% of Accumulated

Value Annually starting year 2

Products Current Interest Rates Withdrawal Provision FeaturesRates Effective 3/12/20

Full Value at Death: Death Benefit will be

be equal to the Accumulation value

without any surrender charges or MVA.

$ 1,000 Qualified or Non-

Qualified; over $1


approval




5- year E-App only

2.50%

1.500%

10-Year 2.80%

Systematic withdrawal of interest

in the first year7-Year 2.80%

8-Year 2.85%

9-Year 2.75%

2.80%

5-Year 2.75%

Oxford-American Life Security 8/6/2020


0-80

Hartford, CT 81-85Please Note:

0-80Nassau Life and

Annuity Company81-85

Founded in 1851Issue ages on riders: 0-79

3 year 5 year

1.50% 0-80 2.00% 0-80

1.125% 81-85 1.50% 81-85

0.75% 86-90 1.00% 86-90

7-year 10-year2.50% 0-80 3.00% 0-80

1.88% 81-85 2.25% 81-85

1.25% 86-90 1.50% 86-90

2.40% 2.10%

10-YEAR 2.60% 2.20%

7-YEAR 3.25% 2.85%

3 Year 9.3%, 8.4%,7.5%

5 Year 9.3%, 8.4%,7.5% 6.6%,5.7%

7 Year 9.3%, 8.4%,7.5% 6.6%,5.7%,4.75%,3.8%

10 Year 9.3%, 8.4%,7.5% 6.6%,5.7%,4.75%,3.8%,2.85%,1.90%, 0.95%

FullContractValue at Death

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 sixmonths (24 months in

MA).

2.65% Guaranteed for 7 yrs

Premiums over $1


approval

2.50%MYAnnuity 7x -Paper app

1.25%

e-App Incentive

Phoenix is currently paying a 10 bps commission incentive to write Nassau MYAnnuitySM

5X/7X using their e-App


Non-Qualified

Minimum Guaranteed

Interest: Currently

1.00%

MYAnnuity 5X

9, 8, 7, 6, 5%, 4% 3% + or - mva

Systematic withdrawals by current company practice

Current Interest RatesRates Effective 8/1/20

5 YearFI

XED

Nassau MYAnnuitySM 5X with 10% Free Withdrawal Amount

Products

Nassau MYAnnuitySM 7X with 10% Free Withdrawal Amount



Nassau MYAnnuitySM

5X/7X

NY Version of the 5 yr only is available

NY "No 10% free withdrawal

version" rate is 2.20%

NY "With 10% free withdrawal version" rate is

2.00%

B+ A.M. Best

Nassau MYAnnuitySM 5X with NO 10% Free Withdrawal Amount


7 YearNassau MYAnnuitySM 7X with NO 10% Free Withdrawal

Amount

Minimum Guarantee

Iss. Age

10% Annual free

withdrawals are available Immediately

year one (ONLY if elected

at issue)

Withdrawals for Required Minimum

Distributions (RMDs) are

available Immediately

year one

5 Years

9, 8, 7, 6, 5% + or - mva

7 Years

MYAnnuity 7X

During the 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, MVA is not waived on Nursing home or terminal

illness waivers


Surrender Charge

Founded in 1886 as North

American Accident Association

“A+” (Strong) by Standard &

Poor’s.

Comm. Rev 8-28-14

2.00%1.00%

MYAnnuity 5x -Paper app

For AL, DC, MT, ND, SD: On the contractanniversary following the Annuitant’s 105th

birthday the Surrender Charge percentage will bereduced to zero percent.

$21.1 billion in assets as of December

31, 2016

A+ (Superior) by

A.M. Best


Products

Rate Guar Term

High Band $100K+

Low Band less than $100K

Effective 2-5-19: CA, DE & FL only the 3-5-yr terms are available. No 7-10yr

terms



$10,000 non-

qualified and

$2,000 qualified.

0-90


Minimum Guarantee

Minimum Premium

Current year interest

withdrawals available after 30 days without any

surrender charges or interest

adjustment.

RMDs: Surrender charges and Interest Adjustments on any portion of an IRS-

Required Minimum Distributions

exceeding the penalty-free withdrawal amount

will bewaived by current

company practice*.

While the special applies to all 3- and 7-year MYGA Business, due to recent events, North American is only accepting e-Apps on MYGAs effective 4-7-20

CLICK HERE FOR FLYER

Features


30-day window applies at end of term*

MVA + or -

FIXE

D North American Guarantee Choice and Guarantee Choice II sm

in CA

Full Value at Death

1.00% MINIMUM GUARANTEED

CONTRACT VALUE (MGCV) The MGCV equals 100% of the premiums, less any withdrawals (before any

InterestAdjustment or surrender charges), accumulated at the MGCV Interest Rate,

lesssurrender charges (as

calculated in the contract). The MGCV Interest Rate is

basedon the issue date of the

contract and is guaranteed for the entire term of the

contract. Nursing Home

Confinement Waiver

Features

Commissions

Commissions

Commissions Rev. 6-27-17

Surrender Charge

3-YEAR 2.40% 1.95%

5-YEAR


Minimum Premium

Iss. Age

Phoenix-North American 8/6/2020

http://annuity1.com/as_palette/docs/NACO/NAC_MYGA_Rate_Special.pdf
























5 Years8, 7, 6, 5, 4%

+/- MVA 1st 5 Yrs 0-80 2.00%(No MVA-PA or MO) 81-90 0.40%

(LBL)over $1.54 Billion 0-90 2.50%

B++

0-90 2.00%Stable outlook

0-90 2.25%

3 year 3-year9%, 8%, 7% 0 - 80 2.00%

then 0%

NO MVA 81-90 1.00%NO 30 DAY WINDOW $1M Max.

5 year9%, 8%, 7%, 6%, 5% 5-7-year 0 - 80 2.50%

then 0%

NO MVA 81-90 1.25%Positive outlook NO 30 DAY WINDOW

7 year $1M Max.9%, 8%, 7%, 6%, 5%, 4% 3% 0 - 80 3.00%

then 0%

81-90 1.50%NO MVA

NO 30 DAY WINDOWDISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and

withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY.

Guaranteed 3 years

Guaranteed 3 years

$10,000

FeaturesCommission

HERITAGE BUILDER ANNUITY

7-year


Years

Current Interest Rates Effective 3/13/2020Products Withdrawal

Provision Surrender Charge Minimum Guarantee


$10,000

B+ (Good) A.M. Best

FIXE

D

Bankers Elite 3

Guaranteed 5 years

2.15%

Bankers Elite 5

3.00%

A.M. Best

FIXE

D

10% FREE withdrawals after

the first year, without a

withdrawal charge. Systematic monthly

interestincome is available

after 30 days

Required Minimum Distributions

(RMDs) available 6 months after issue

Investors Heritage Life

Insurance Company

Frankfort, KY

1.65%

Founded in 1958!


3-year

FIXE

D A

NN

UIT

Y


Years


5-year


Years

Founded in 1960!

Full Accumulation Value death benefit

3-year

5-year

1.00%

7-year

$25,000 qualified or

non-qualified

$25,000 qualified or

non-qualifiedNursing Home Waiver (not available in South Dakota or California) up to 50% of accumulated contract value when confined in a licensed Skilled Nursing

Facility for at least ninety (90) consecutive days after the first year.

(must be 80 years old or less at the time of issue)

FIXE

D Bankers Elite 7

Guaranteed 5 years

FIXE

D

ProductsCurrent Interest Rates

Effective 8/1/2020

LIBERTY BANKERS LIFE &

THE CAPITOL LIFE

Bankers 5 Premier

in Assets as of 12/31/16

3.00%


2.75%

Minimum Premium

5 Years7.9, 7.0, 6.2, 5.3, 4.4, 0%

+/- MVA 1st 5 Yrs(No MVA in PA & MO)

Surrender Charge

1.65% $10,000

3 Years7.9, 7.0, 6.2, 0%+/- MVA 1st 3 Yrs

(No MVA in PA & MO)

Minimum Guarantee

$10,000 1.65%

100%All Accrued

Interest Twiceper year ORMonthly Interest

Only After 30 Days if Monthly interest is greater than $100

None during

surrender charge period;

thereafter, 100% liquid

7 Years7.9, 7.0, 6.2, 5.3, 4.4, 3.5, 2.7, 0%

+/- MVA 1st 5 Yrs(No MVA in PA & MO)

1.65%

FeaturesIss. Age Comm.

Bankers Premier

Max issue age is 85 in OK

Max issue age is 70 in FL & CA

Full Contract Value at Death

Death Benefit: Surrender Value. Surviving spouses may elect to continue the

policy as their own and avoid surrender charges. Non-

spousal beneficiaries may reduce or avoid charges by deferring payment or taking

a periodic income.

FL Only: Death Benefit equals Accumulation Value for policies issued

at all ages.

CA Only: Death Benefit equals Accumulation Value for policies issued

ages 65 and above

Bankers Elite 5


Bankers Elite 5

Bankers Elite 3


Liberty Bankers- Bankers Life 8/6/2020


5.00%

in Assets

2.00%1.70%

Excellent A.M. Best

No 30 day window

Premium Bonus

Current Rate

Min Guaranteed

RateFree Withdrawals 9 Years1

12,11,10,9,8,7,6,4,2%

(Base Contract) No MVA

9 Years1

12,11,10,9,8,7,6,4,2%

(MVA Option) MVA + or -

6 Years2

12,11,10,9,8,7%

(Liquidity Option) No MVA

6 Years2

12,11,10,9,8,7%MVA + or -

$100/month (if PAC),

or $1,200/year

Max.

$25,000/year

Owner:16-75 non-qualified16-75 Roth &Traditional IRA*21-75 SEP IRA*Annuitant:0-99 non qualified Maximum issue age is 59 in IA, MN and OH

SteadyChoice II

Add'l Premiums yrs 2-10

2.25%

Surrender Charges waived for Death, nursing home and

hospital confinement of owner, terminal condition

wherethe owner in not expected

to live more than 12 months

FIXE

D

SteadyChoice II

FPDA

10% of the accumulation

value in a certificate year

10-year:10, 9, 8, 7, 6, 5,

4, 3, 2, 1

NO MVA !

1.20%

Minimum Guaranteed

Rate

2.00%

AVAILABLE in ALL STATES EXCEPT: AK, AL, HI, IA, LA, MA, NH, NY

0-75

Owner:16-99 non-qualified21-85 Roth &Traditional IRA*16-85 SEP IRA*Annuitant:0-85 non qualified

Choice 5

0-75If the Owner is the Annuitant or If

Owner who is not the Annuitant dies, and the Owner was age 16 through 75

If the Owner who is not the Annuitant dies, and the Owner was age 76 through 99

=C.S.V

Full Value at Death: Death Benefit will be be equal to the Accumulation value without any surrender

charges.

FIXE

D


AVAILABLE in ALL STATES EXCEPT: AK, AL, HI, IA, LA, MA, NH, NY

Accumulated Interest or RMD's by

current company practice

$20,000 min. for Systematic withdrawls

1.20%

5-year:8.5, 7.5, 7, 6, 4

then 0%

NO MVA !

True walkaway!

Features

Features

3.93% Guaranteed 1st yr Yield

2.00%

2.00%

76-85

CommissionMinimum Premium Issue. AgeWithdrawal

ProvisionSurrender

Charge

Prior 12 months interest

Prior 12 months interest

Interest only 1st contract year,** 10%

of Account Value years 2+.

Interest only 1st contract year,** 10%

of Account Value years 2+.

Commission Rev. 9-30-17

Issue. Age

$300,000 Max Premium without


Minimum Premium

Minimum Guaranteed

Rate

Surrender Charge

$10,000


12/31/16


Des Moines IA

N/A


ChoiceFour™

ChoiceFour™ FIXE

D

2.45% Min. Guaranteed 6 yr Yield

1.50%

2.80%

2.80%

2.40%

2.40%

2.00%

2.00%

4.43% Guaranteed 1st yr Yield

(Liquidity & MVA Option)

ChoiceFour™

ChoiceFour™

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY 1 Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%, 6%, 4%, 2%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0%) 2 Surrennder Charge Variations in Fl and NV: (FL: 10%, 10%, 10%, 9%, 8%, 7%, 0%; NV: 9%, 8%, 7%, 6.5%, 5.5%, 4.5%, 0%) *Rates are subject to change. Rates are for the Initial

Guarantee Period.

Minimum Guarantee

$10,000NQ or Q 0-85

Minimum Guaranteed

Contract Value 100% of premium


at the Minimum


N/A

Death Benefit:Upon death of

Owner,Accumulation

Value ----------------

Nursing Home Waiver Available through issue age

80

Commission is the same regardless of which option is sold.

Minimum Guaranteed Rate: 2.00%

1.50%

Products Current Interest Rates7/1/2020

0-80 5.50%81-85 4.13%

Minimum Guarantee

Founded in 1895!


Royal Neighbors of America

over $979 Million

A -

as of 12/30/16


Effective 8/1/2020

Choice 5 SPDA

Royal Neighbors- Equitrust 8/6/2020


3 year10,10,9,9,8% 0-80

5 year 81-90

10,10,9,9,8%

6 year 0-80

10,10,9,9,8,8% 81-90

8 year

10,10,9,9,8,8,7,7%

10 year

10,10,9,9,8,8,7,7,6,5%

Surrender charges differ in AK, CA, CT, IN, MN, MT, NJ, OH, OK, OR, PA, SC, TX, UT and

WA.

30-day window applies at end of term

MVA + or - except in CA & VT

Dallas, TX

0-80

MVA + or -NO MVA in FL

Products

Owner can withdraw up to 10% of the account value as of the preceding anniversary each contract year. (Limted to one

withdrawal per yr starting year 2) Required Minimum Distrbutions can only be taken withdrawal charge and MVA free if the client elects this

rider.

The Ohio State Life Insurance Company

FIXE

D

NEX MYGA

DISCLAIMER: All interest rates, bonuses, product availability and commissions are subject to change. Many features and riders are optional and may have limitations, restrictions and/or additional charges. Consult the Agent Guide for specific details related to performance, guarantee, Index Strategies, administrative practices, surrender and withdrawal provisions. The Life and Annuity Shop, LLC is not responsible for Errors and Omission in this spreadsheet. FOR AGENT USE ONLY

Interest Rate Reductions for Optional Liquidity Riders

Interest Rate Reduction Rider

Free withdrawal Provision Rider

over $1 million will

require homeoffice

approval30-day window applies at end of term

Ohio State Life is a legacy American

life insurance business with roots

dating back over 100 years.

5-Year

7-Year

10-Year

MULTI YEAR GUARANTEED

ANNUITY

3.25%

Current Interest RatesRates Effective 5/30/20

7 YR 9% 8% 7% 6% 5% 4% 3%

3-Year


BBB+" ("Good") S&P


12/31/19

Cumulativeinterest

beginningimmediately

Rates Effective 7-1-20Products Current Interest Rates


Des Moines IA

FIXE

D

3-Year 1.50%

Systematic withdrawals are available monthly,

quarterly,semiannually or

annually, and must be taken EFT.

2.40%

6-Year 2.20%


Multi-Year Guarantee

Annuity

5-Year 2.10%

10-Year 2.60%

8-Year


Minimum Premium

Iss. Age Comm. Features

2.00%1.50%

$10,000NQ or Q

3-Yr

Certainty SelectTM

(SPDA)Death Benefit:

Upon death of first Owner, Accumulation

Value 87.5% of

premium minus withdrawals,

accumulated at the Minimum Guaranteed

Contract Rate. (2% for 2020)

Terminal Illness Waiver No surrender

charge on up to 75% of the Accumulation Value in the event of a terminal illness

Nursing Home Waiver (Issue Ages 0-

80)

5-6-8 &10-Yr

3.00%2.25%

Certainty Select™

Minimum Premium

Iss. Age Comm. State Specific

VariationsMinimum Guarantee

*Florida– Death Benefit Equals Account Value

Contract Rider is included on all

contracts (No Rate reduction)

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

3 YR 9% 8% 7%

Guaranteed Minimum

Credited Rate: 1%

$10,000NQ or Q

3 year

0-80 2.00%

5 year

0-80 3.00%

7 year

0-80 3.25%

10 year

5 YR 9% 8% 7% 6% 5%

2.50%

3.25%

3.25%

Surrender Charge

Available in all states except: CA, CO, CT, DE, LA, ME, NC,

ND, NJ, NY, SD, VTComing soon in: CA, CO, DE, LA,

NC, ND, NJ, SD Not available in: CT, ME, NY, VT

15 bps

Death Benefit Rider

Beneficiary receives the account value. If clients do not elect this rider the death benefit is equal to the cash surrender value lump sum. *Except FL

30 bps

Nursing Home Rider 15 bps Owner can access accumulated value of the annuity, with no

surrender charge

3.50%Effective 5/29/20 The maximum issue age is all states Except FL is age 80. In FL the maximum issue

age is 75

Equitrust/Ohio State Life 8/6/2020

august spreadsheet 888.661 · bonus recovery percent: only applies to full or partial ... the life...

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