fpda-3 mva - annuityexpertadvice.com · fpda-10 mva (in, pa) 5.47% first year yield; reflects a...

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American Equity Investment Life Insurance Company (A-)

FPDA-3 MVA (0-80) Qualified , (0-80) Non-Qualified

Premium Limits Permium Age Minimum Maximum

Initial Qualified (0-80) $2,000.00

Initial Non-Qualified (0-80) $5,000.00

Initial Qualified (0-69) $1,000,000.00



Initial Non-Qualified (0-69) $1,000,000.00



Year Interest Rate

1 7.50%

2 4.50%

Minimum Guarantee 3.00%

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Contract Value available after 1 Year

Systematic Withdrawal Interest Only available after 30 Days

Riders, Waivers, Provisions

Terms Cost

Nursing Care Rider NCR-3 (20.00% access after 90-Day Confinement available after 1 Year to issue age 74) None

Full Contract Value at first to die of Annuitant or Owner

(Ages 0-80) 12.00-12.00-11.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (9 years)

(Ages 0-85) 10.00-0% (1 years)

Death Chargeback Surrender Chargeback

Pro-rata Chargeback of 1/12 per month in 1st year Pro-rata Chargeback of 1/12 per month in 1st year

Approved in: AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NJ, NM, NV, OH, OK, SD, TN, TX, VA, WI, WV, WY

Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages, product

features and state availability are all subject to change. ALWAYS check with the insurance company to confirm current information.

Rates updated on 12/10/2019. Call for current rates.


FPDA-10 MVA (IN, PA)

5.47% first year yield; reflects a 3.40% fixed rate plus a 2% premium bonus

Type Ages Commission

Qualified & Non-Qualified Money Year 1 * (0-75) 5.350%


Commissions

Important!

Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Fixed Rates

Issue Ages

https://www.annuityexpertadvice.com/fixed-annuity-rates

https://www.american-equity.com/

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Terms Cost

Minimum Guarantee MGIR is set at issue and is guaranteed for the life of the contract. (currently 1.50%)



Surrender Charges (Ages 0-85) 14.00-13.00-12.50-12.00-11.50-11.00-9.50-8.00-6.50-5.00-3.50-2.00-0% (12 years)

Chargebacks Death Chargeback Surrender Chargeback

State Approvals Approved in: , IN, PA


Qualified & Non-Qualified Money Year 2 * (0-75) .910%




Issue Ages (0-80) Qualified , (0-80) Non-Qualified

Premium Bonus 2.00% for all issue ages




Initial Qualified (0-69)

$1,500,000.00


$1,000,000.00


$750,000.00

Initial Non-Qualified (0-69)

$1,500,000.00


$1,000,000.00


$750,000.00

Year Interest Rate

1 2.25%

Nursing Care Rider NCR-100 (100.00% access after 90-Day Confinement available after 3 YearsAlso available at 20% of contract value during

2nd and 3rd contract years. to issue age 74)

None




Commission listed above in years 2 and 3 are for premiums received in the first year. To receive the Supplemental Commission in the second and

third year, the contract must be active and the agent must be in good standing with the company.


Death Benefit Full Contract Value at first to die of Annuitant or Owner

Disclaimers

Fixed Rates


3/494


Terms Cost






State Approvals Approved in: , CA, IL, KY, MA, MD, MO, ND, OK, SC, VA


FPDA-10 MVA (other states)

Important! 5.47% first year yield; reflects a 3.40% fixed rate plus a 2% premium bonus

Commissions Type Ages Commission













$1,500,000.00


$1,000,000.00


$750,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Year Interest Rate

1 2.25%



None



Fixed Rates


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Disclaimers Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages, product






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Terms Cost






State Approvals Approved in: , WA


FPDA-10 MVA (WA)















$1,500,000.00


$1,000,000.00


$750,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Year Interest Rate

1 2.25%



None



Fixed Rates


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7/494


FPDA-10 MVA















$1,500,000.00


$1,000,000.00


$750,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Year Interest Rate

1 2.25%

MGIR is set at issue and is guaranteed for the life of the contract. (currently 1.50%)

10.00% of Previous Anniversary's Contract Value available after 1 Year

Interest Only available after 30 Days

Terms Cost



None

Terminal Illness Rider TIR-100 (100.00% access after 1-Year Diagnosis available after 1 Year to issue age 74) None


(Ages 0-85) 14.00-13.00-12.50-12.00-11.50-11.00-9.50-8.00-6.50-5.00-3.50-2.00-0% (12 years)



Chargebacks

Surrender Charges

Death Benefit


Systematic Withdrawal

Penalty-Free Withdrawal

Minimum Guarantee

Fixed Rates


8/494

State Approvals Approved in: AR, AZ, CO, DC, DE, GA, HI, IA, ID, KS, LA, ME, MI, MS, MT, NC, NE, NH, NM, RI, SD, TN, VT, WI, WV, WY






Disclaimers


9/494


FPDA-11 MVA (IN, PA)



Qualified Money (0-75) 4.000%


Non-Qualified Money (0-75) 4.000%






Initial Non-Qualified

(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-75)

$750,000.00

Initial Qualified

(76-80)

$500,000.00


(0-69)

$1,000,000.00


(70-75)

$750,000.00


(76-80)

$500,000.00

Fixed Rates Year Interest Rate

Minimum

1

3.00%

3.00%

MGIR is set at issue and is guaranteed for the life of the contract



Terms Cost




(Ages 0-80) 14.00-14.00-13.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (12 years)



Approved in: , IN, PA



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


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11/494


FPDA-11 MVA (other states)














(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-75)

$750,000.00

Initial Qualified

(76-80)

$500,000.00


(0-69)

$1,000,000.00


(70-75)

$750,000.00


(76-80)

$500,000.00


Minimum

1

3.00%

3.00%




Terms Cost




(Ages 0-80) 14.00-14.00-13.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (12 years)



Approved in: , CA, KY, MA, MD, MO, ND, OK, SC, VA

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


12/494




Disclaimers


13/494


FPDA-11 MVA














(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-75)

$750,000.00

Initial Qualified

(76-80)

$500,000.00


(0-69)

$1,000,000.00


(70-75)

$750,000.00


(76-80)

$500,000.00


Minimum

1

3.00%

3.00%




Terms Cost




(Ages 0-80) 14.00-14.00-13.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (12 years)



Approved in: AR, AZ, CO, DE, FL, GA, HI, IA, ID, KS, LA, ME, MI, MS, MT, NC, NE, NH, NJ, NM, NV, OH, RI, SD, TN, VT, WI, WV, WY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


14/494




Disclaimers



15/494


Terms Cost


Surrender Charges (Ages 0-80) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)


State Approvals Approved in: AK, DE, IL, ME, MN, NC, NH, OR, PA, RI, SC, UT, VT, WA

FPDA-12












(0-74) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-74)

$750,000.00

Initial Qualified

(75-80)

$500,000.00


(0-69)

$1,000,000.00


(70-74)

$750,000.00


Minimum

1

3.00%

3.00%










Disclaimers



Minimum Guarantee



16/494

NY11-FPDA2

Commissions Type

Ages Commission

Qualified & Non-Qualified Money Year 1 *

(0-70) .750%


(71-75) .250%


(0-70) 1.000%


(71-75) .750%


(0-70) 1.000%


(71-75) .750%


Premium Limits Permium Age Minimum

Maximum

Initial Q & NQ (0-75) $2,000.00

Initial Q & NQ (0-69)

$1,500,000.00


$1,000,000.00

Fixed Rates Interest Rate

Minimum

2.00%

1.50%



(Ages 0-75) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-4.50-3.00-1.50-0% (10 years)



Approved in: NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




17/494

Premier Eagle 10 (FPDA-7-08) (AK, DE)

Important! Premium Bonus on all premiums received in the first five years! *** see disclosure below ***

Additional commissions paid through the 5th contract year with supplemental trail commissions.


Qualified & Non-Qualified Money (18-75) 3.430%



Premium Bonus 10.00% for issue ages (18 - 75) , 5.00% for issue ages (76 - 80)




(18-80) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-80)

$750,000.00


(18-69)

$1,500,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

2.00%

87.5% of all premiums received; less any withdrawals; accumulated at Minimum Guaranteed Interest Rate - Minimum Guaranteed Surrender Value.



Terms Cost

Nursing Care Rider NCR-2 (Available in PA only) (20.00% access after 90-Day Confinement available after 1 Year to issue age 74) None

Foundation Gold Option 1 - No-Fee Lifetime Income Benefit Rider (3.00% Simple Interest) - You IAV Period with this option is 10 years.

(available after 1 Year from issue age 50)

None

Option 1 - Lifetime Income Benefit Rider (6.00% Compound Interest) - Your IAV Period with this option is 10 years. You will have the option

to reset your income account value period. If you choose to reset, your IAV could grow for up to 20 years. (Increasing Payout options (see

company disclosure for details) from issue age 50)

.90%


(Ages 18-75) 20.00-19.50-19.00-18.50-18.00-17.50-17.00-16.00-15.00-14.00-12.00-10.00-7.50-5.00-2.50-0% (15 years)

(Ages 76-80) 15.00-14.00-13.00-12.00-11.00-9.50-8.00-6.50-5.00-2.50-0% (10 years)



Approved in: , AK, DE

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


18/494

Disclaimers Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages, product features

and state availability are all subject to change. ALWAYS check with the insurance company to confirm current information.

*** To calculate withdrawal or surrender amounts premium is tracked by the contract year in which the premum is received. Each Premier

Eagle 10 may have up to 6 Premium Values; one for each of the first 5 contract years and one for all premiums received in year 6 and

beyond.



Commission paid for any additional premium added years 1-5. Commission paid is according to clients age at the time the premium is added and

has supplemental commissions paid in the 2nd and 3rd years after receipt.



19/494


Premier Eagle 10 (FPDA-7-08) (CA)











(18-80) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-80)

$750,000.00


(18-69)

$1,500,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

2.00%




Terms Cost

Nursing Care Rider NCR-4 (50.00% access after 60-Day Confinement available after 2 Years to issue age 74) None




.90%



None


(Ages 18-75) 20.00-19.50-19.00-18.50-18.00-17.50-17.00-16.00-15.00-14.00-12.00-10.00-7.50-5.00-2.50-0% (15 years)

(Ages 76-80) 15.00-14.00-13.00-12.00-11.00-9.50-8.00-6.50-5.00-2.50-0% (10 years)



Approved in: , CA

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


20/494





beyond.







21/494


Premier Eagle 10 (FPDA-7-08) (SC)











(18-80) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-80)

$750,000.00


(18-69)

$1,500,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

2.00%




Terms Cost





.90%



None


(Ages 18-75) 20.00-19.50-19.00-18.50-18.00-17.50-17.00-16.00-15.00-14.00-12.00-10.00-7.50-5.00-2.50-0% (15 years)

(Ages 76-80) 15.00-14.00-13.00-12.00-11.00-9.50-8.00-6.50-5.00-2.50-0% (10 years)



Approved in: , SC

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


22/494





beyond.







23/494


Premier Eagle 10 (FPDA-7-08)











(18-80) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-80)

$750,000.00


(18-69)

$1,500,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

2.00%




Terms Cost

Nursing Care Rider NCR-2 (Not available in MA) (20.00% access after 90-Day Confinement available after 1 Year to issue age 74) None




.90%



None


(Ages 18-75) 20.00-19.50-19.00-18.50-18.00-17.50-17.00-16.00-15.00-14.00-12.00-10.00-7.50-5.00-2.50-0% (15 years)

(Ages 76-80) 15.00-14.00-13.00-12.00-11.00-9.50-8.00-6.50-5.00-2.50-0% (10 years)



Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


24/494





beyond.







25/494


Premier Eagle 10 (FPDA-7-08-FL)











(18-80) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-80)

$750,000.00


(18-69)

$1,500,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

2.00%




Terms Cost



None




.90%


(Ages 18-75) 20.00-19.50-19.00-18.50-18.00-17.50-17.00-16.00-15.00-14.00-12.00-10.00-7.50-5.00-2.50-0% (15 years)

(Ages 76-80) 15.00-14.00-13.00-12.00-11.00-9.50-8.00-6.50-5.00-2.50-0% (10 years)



Approved in: , FL



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee


26/494



beyond.







27/494


Premier Eagle 10 (FPDA-7-08-UT)

5% Premium Bonus on all premiums received in the first five years! *** see disclosure below ***

Commissions Type

Ages

Commission

Qualified & Non-Qualified Money

(18-75)

3.430%


(76-80)

2.570%




Maximum




$1,500,000.00


$1,000,000.00


$750,000.00


$1,500,000.00


$750,000.00


$500,000.00


1 -1

2.00%

Minimum Guarantee 87.5% of all premiums received; less any withdrawals; accumulated at Minimum Guaranteed Interest Rate - Minimum Guaranteed Surrender Value.




Terms Cost


Option 1 - Lifetime Income Benefit Rider (6.00% Compound Interest) - Your IAV Period with this option is 10 years. You will have the option .90%



Foundation Gold Option 1 - No-Fee Lifetime Income Benefit Rider (3.00% Simple Interest) - You IAV Period with this option is 10 years. None






State Approvals Approved in: , UT

Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages, product Disclaimers

Important!


28/494




beyond.







29/494


Premier Eagle 12 (FRG-2-09) (CA)

Important! Premium Bonus on all premiums received in the first contract year!










(18-78) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-78)

$750,000.00


(18-69)

$1,500,000.00


(70-74)

$1,000,000.00


(75-78)

$750,000.00

Fixed Rates Year

Interest Rate

1 -1

1.00%




Terms Cost

Nursing Care Rider NCR-4 (50.00% access after 60-Day Confinement available after 2 Years to issue age 74) None




None




.90%


(Ages 18-78) 12.50-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 18-78) .00-.00-.00-8.33-16.67-25.00-33.33-41.67-50.00-58.33-66.67-75.00-83.33-91.67-100.00% (15 years)


Chargebacks

Bonus Vesting Schedule

Surrender Charges

Death Benefit




Minimum Guarantee


30/494



Approved in: CA




Disclaimers

State Approvals


31/494


Premier Eagle 12 (FRG-2-09) (FL)












$1,500,000.00


$1,500,000.00

Year Interest Rate

1 -1 1.00%

Minimum Guarantee 87.5% of all premiums received; less any withdrawals; accumulated at Minimum Guaranteed Interest Rate - Minimum Guaranteed Surrender Value.



Annuitization Can be annuitized after the first contract year for a life option with at least 5 years certain.



None




None




.90%


Surrender Charges (Ages 18-64) 12.50-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

Bonus Vesting Schedule (Ages 18-64) .00-.00-.00-8.33-16.67-25.00-33.33-41.67-50.00-58.33-66.67-75.00-83.33-91.67-100.00% (15 years)



State Approvals Approved in: , FL

Fixed Rates


Terms Cost


32/494




Disclaimers


33/494


Premier Eagle 12 (FRG-2-09)











(18-78) $10,000.00

Initial Qualified

(18-69)

$1,500,000.00

Initial Qualified

(70-74)

$1,000,000.00

Initial Qualified

(75-78)

$750,000.00


(18-69)

$1,500,000.00


(70-74)

$1,000,000.00


(75-78)

$750,000.00

Fixed Rates Year

Interest Rate

1 -1

1.00%




Terms Cost

Nursing Care Rider NCR-100 (Not available in MA) (100.00% access after 90-Day Confinement available after 3 YearsAlso available at 20% of

contract value during 2nd and 3rd contract years. to issue age 74)

None

Terminal Illness Rider TIR-100 (Not available in MA) (100.00% access after 1-Year Diagnosis available after 1 Year to issue age 74) None




.90%



None


(Ages 18-78) 12.50-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 18-78) .00-.00-.00-8.33-16.67-25.00-33.33-41.67-50.00-58.33-66.67-75.00-83.33-91.67-100.00% (15 years)


Chargebacks


Surrender Charges

Death Benefit




Minimum Guarantee


34/494



Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY




Disclaimers

State Approvals



35/494

RateShield 7 (CT, FL)


Option B: Qualified & Non-Qualified Money Year 1 (18-75) 2.500%


Option B: Qualified & Non-Qualified Money Years 2 (18-80) .350%

Option U - Qualified & Non-Qualified Upfront First Year Commission (18-75) 5.000%




Initial Q & NQ (18-80) $5,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Strategy Interest Rate

Fixed Rate 1.80%

Never less than 87.5% of premium received, less any withdrawals, accumulated at the minimum guaranteed interest rate.

10.00% of Contract Value available after 1 Year

Terms Cost



None


Rate Shield -Lifetime Income Benefit Rider (8.50% Simple Interest) - Rider offers a set IAV Rate, declared at issue and guaranteed for 20

years. The income payments may begin at any time after the first contract year without a withdrawal charge or having to annuitize the contract.

(Available for issue Ages 50-80)

1.00%

Death Benefit proceeds paid to named beneficiary with no Surrender Charges.

(Ages 18-80) 9.20-9.20-8.20-7.20-6.20-5.20-4.10-0% (7 years)


100% chargeback first month; Pro-rata of 1/12 per month through

end of first contract year.

100% chargeback first month; Pro rata chargeback of 1/12 per month through the

end of the first contract year.

Approved in: CT, FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee

Fixed Rates



36/494

RateShield 7

Important! MVA applies

Commissions Type

Ages Commission

Option B: Qualified & Non-Qualified Money Year 1

(18-75) 2.500%


(76-80) 1.850%

Option B: Qualified & Non-Qualified Money Years 2

(18-80) .350%

Option U - Qualified & Non-Qualified Upfront First Year Commission

(18-75) 5.000%


(76-80) 3.750%



Maximum

Initial Q & NQ (18-80) $5,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Fixed Rates Strategy

Interest Rate

Fixed Rate Non-MVA

1.80%

Fixed Rate MVA

1.95%



Terms Cost



None





1.00%


(Ages 18-80) 9.20-9.20-8.20-7.20-6.20-5.20-4.10-0% (7 years)






Approved in: AK, AL, AR, AZ, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR,

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




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee



37/494

RateShield 10 (CT, FL)




Option B: Qualified & Non-Qualified Money Years 2 (18-80) .350%





Initial Q & NQ (18-80) $5,000.00


$1,500,000.00


$1,000,000.00


$750,000.00


Fixed Rate 1.95%



Terms Cost



None





1.00%


(Ages 18-80) 9.20-9.20-8.20-7.20-6.20-5.20-4.10-3.10-2.10-1.00-0% (10 years)






Approved in: CT, FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee

Fixed Rates



38/494

RateShield 10


Commissions Type

Ages Commission


(18-75) 3.000%


(76-80) 2.250%


(18-80) .350%


(18-75) 5.500%


(76-80) 4.100%



Maximum

Initial Q & NQ (18-80) $5,000.00


$1,500,000.00


$1,000,000.00


$750,000.00


Interest Rate

Fixed Rate Non-MVA

1.95%

Fixed Rate MVA

2.15%



Terms Cost



None





1.00%


(Ages 18-80) 9.20-9.20-8.20-7.20-6.20-5.20-4.10-3.10-2.10-1.00-0% (10 years)






Approved in: AK, AL, AR, AZ, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR,

PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee



39/494

RateShield 10+


Premium Bonus based on premium payments received in the first contract year.

Commissions Type

Ages Commission


(18-75) 3.000%


(76-80) 2.250%


(18-80) .350%


(18-75) 5.500%


(76-80) 4.100%


Premium Bonus 5.00% for issue ages (18 - 80)


Maximum

Initial Q & NQ (18-80) $5,000.00


$1,500,000.00


$1,000,000.00


$750,000.00

Fixed Rates Strategy Interest Rate

Fixed Rate Non-MVA

1.45%

Fixed Rate MVA

1.65%



Terms Cost



None





1.00%


(Ages 18-80) 9.10-9.10-8.50-7.50-6.50-5.50-4.50-3.40-2.30-1.10-0% (10 years)

(Ages 18-80) .00-10.00-20.00-30.00-40.00-50.00-60.00-70.00-80.00-90.00-100.00% (11 years)






Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, State Approvals

Chargebacks


Surrender Charges

Death Benefit



Minimum Guarantee


40/494

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




Disclaimers






41/494

Super-7 MV (MS, MT)

(0-80) Qualified , (0-80) Non-Qualified




(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-74)

$750,000.00

Initial Qualified

(75-80)

$500,000.00


(0-69)

$1,000,000.00


(70-74)

$750,000.00


(75-80)

$500,000.00


Minimum

1

11.50%

3.00%

2

4.50%

3.00%




Terms Cost




(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (10 years)



Approved in: , MS, MT

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee

Issue Ages






42/494

Super-7 MV (NJ, CA)





(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-74)

$750,000.00

Initial Qualified

(75-80)

$500,000.00


(0-69)

$1,000,000.00


(70-74)

$750,000.00


(75-80)

$500,000.00


Minimum

1

11.50%

3.00%

2

4.50%

3.00%




Terms Cost




(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (10 years)



Approved in: CA, NJ

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee

Issue Ages






43/494

Super-7 MV (TX)





(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-74)

$750,000.00

Initial Qualified

(75-80)

$500,000.00


(0-69)

$1,000,000.00


(70-74)

$750,000.00


(75-80)

$500,000.00


Minimum

1

11.50%

3.00%

2

4.50%

3.00%




Terms Cost




(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (10 years)



Approved in: TX

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee

Issue Ages






44/494

Super-7 MV





(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-74)

$750,000.00

Initial Qualified

(75-80)

$500,000.00


(0-69)

$1,000,000.00


(70-74)

$750,000.00


(75-80)

$500,000.00


Minimum

1

11.50%

3.00%

2

4.50%

3.00%




Terms Cost




(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (10 years)



Approved in: AR, AZ, CO, DE, FL, GA, HI, IA, ID, KS, KY, LA, MI, MN, MO, NE, NM, NV, OH, OK, SD, TN, VA, WI, WV, WY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee

Issue Ages


American Equity of NY

45/494

FPDA -1 - NY








(0-80) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-75)

$750,000.00


(0-69)

$1,000,000.00


(70-79)

$750,000.00


(80-80)

$500,000.00


Guaranteed

1

5.00%

3.00%

3.00%




(Ages 0-80) 10.00-10.00-10.00-10.00-9.00-8.00-7.00-6.00-4.50-3.00-1.50-0% (11 years)



Approved in: NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee

Issue Ages

Commissions



46/494

NY11-FPDA2





(0-75) $5,000.00

Initial Qualified

(0-69)

$1,000,000.00

Initial Qualified

(70-75)

$750,000.00


(0-69)

$1,000,000.00


(70-75)

$750,000.00


Guaranteed

1 -1

2.00%

1.50%



(Ages 0-75) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-4.50-3.00-1.50-0% (10 years)



Approved in: NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Issue Ages



47/494

SPDA - 2 - NY







Initial Q & NQ (0-80) $2,000.00


$1,000,000.00


1 6.00%

2 3.00%

Minimum Guarantee 3.00%




Surrender Charges (Ages 0-80) 10.00-9.00-8.00-7.00-6.00-4.50-3.00-1.50-0% (8 years)



State Approvals Approved in: NY




Disclaimers


American General Life Companies (A)

American Pathway Achiever MVA 10 Annuity

Important! 30 day walkaway after year 6

48/494






Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-75) $1,000,000.00

Initial Q & NQ (76-85) $500,000.00

Fixed Rates Strategy Guaranteed

Base Rate 1.30%

87.5% of premium growing at a rate of at least 4.0% compounded annually (less withdrawals).

10.00% of Annuity Value available after 1 Year

Create a source of income for lifetime or a certain period using one of the many income plan options. Can turn annuity value into a steady stream of

income following the 5th contract year. Prior to the 5th contract anniversary,the withdrawal value can be converted into an income plan. Income plan

options include

Terms Cost

Waiver of Withdrawal Charge and MVA - Extended Care Rider - Extended care must begin at least one year after the contract issue date

and is defined as treatment prescribed by a qualified physician and received while staying in a qualified institution.

The rider terminates when the owner turns age 86. (100.00% access after 90-Day Confinement available after 1 Year)

None

Annuity Value paid upon death of owner

(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)


None 100% chargeback in the first year

Approved in: , DE, NV, SC, TX




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


https://www.aig.com/


American Pathway Achiever MVA 10 Annuity

Important! 30 day walkaway after year 6

49/494

Commissions Type

Ages Commission


(0-80) 2.000%


(81-85) 1.500%



Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-75) $1,000,000.00

Initial Q & NQ (76-85) $500,000.00


Base Rate

1.30%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)



Approved in: AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI,

WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee



50/494

American Pathway Empire 7 Annuity

No MVA

30 day walkaway option after year 7






None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)


None No chargeback after 1 year

Approved in: NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Important!

Initial Q & NQ $5,000.00

Initial Q & NQ

$1,000,000.00


Guaranteed

1-Year Guaranteed Fixed

1.45%

Base Rate

1.45%

Minimum Guarantee Return of Premium Guarantee

Penalty-Free Withdrawal 10.00% of Annuity Value available after 1 Day


Terms

Cost



51/494

American Pathway Fixed 5 Annuity $5K-$100K

Offers choice of initial interest guarantee period of 1, 3 or 5 years and may include an Interest Rate enhancement or an up-front premium bonus.

Systematic Amount Options 1) Interest Only. 2) Fixed-dollar amount (free if less than permitted free withdrawal amount).

Qualified money - Issue ages 71-90 transfers and rollovers only.










Fixed Rates Strategy Year Minimum Guaranteed

1-Year Guaranteed Fixed with ROP plus Additional Interest 1 -1 1.00% 2.00%

1-Year Guaranteed Fixed without ROP plus Additional Interest 1 -1 1.00% 2.51%





Minimum Guarantee Guaranteed to renew at or above the minimum interest rate

15.00% of Previous Anniversary annuity value. If you do not use all of the 15% free withdrawal percentage in a contract year, you may carry over the

unused portion to the next contract year up to a maximum of 20% of the annuity value or you have the option to take the accumulated interest earned.


Waiver of Withdrawal Charge - Extended Care Rider - After the first contract year, early withdrawal charge fees will be waived if the owner is

confined to a qualifying institution or extended care facility for 90 consecutive days or longer. (100.00% access after 90-Day Confinement

available after 1 Year)

None

Waiver of Withdrawal Charge - Requires Assistance With Activities of Daily Living Rider - Must be unable to perform at least 2 of 6

activities of daily living for 90 consecutive days or more. The 6 activities of daily living are bathing, continence, dressing, eating, toileting, and

transferring. (available after 1 Year)

None

Waiver of Withdrawal Charge - Terminal Illness Rider - Early withdrawal charge fees will be waived on one full or partial withdrawal upon the

diagnosis of a terminal illness that will result in the death of a contract owner within one year. (100.00% access )

None

Spousal beneficiaries may elect to become the new "owner" or receive a distribution.

Non spousal beneficiaries may receive either annuity income beginning within one year or a total distribution within five years.

(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)


100% Chargeback during the first contract year

50% Chargeback during the second contract year.

100% chargeback year 1


Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


Terms Cost


52/494

Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK,





Disclaimers

State Approvals



53/494

American Pathway Fixed 5 Annuity $5K-$100K (CA)












$1,000,000.00


$1,000,000.00














Surrender Charges (Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)


100% Chargeback during the first contract year 100% chargeback year 1

50% Chargeback during the second contract year. 50% chargeback year 2

State Approvals Approved in: CA




Disclaimers

Death Benefit



Issue Ages

Commissions

Important!



54/494

American Pathway Fixed 5 Annuity $5K-$100K (NY)

Offers choice of initial interest guarantee period of 1, 3 or 5 years and may include an up-front premium bonus.










$1,000,000.00


$1,000,000.00












Terms Cost




None

Waiver of Withdrawal Charge - Extended Care Rider (NY) - After the second contract year, early withdrawal charge fees will be waived if the

owner is confined to a qualifying institution or extended care facility for 90 consecutive days or longer. (100.00% access after 90-Day

Confinement available after 2 Years)

None



None



(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)







Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


55/494




Disclaimers


56/494


American Pathway Fixed 5 Annuity $100K+












$1,000,000.00


$1,000,000.00















None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)






Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


Terms Cost


57/494






Disclaimers

State Approvals



58/494

American Pathway Fixed 5 Annuity $100K+ (CA)












$1,000,000.00


$1,000,000.00






















Disclaimers

Death Benefit



Issue Ages

Commissions

Important!



59/494

American Pathway Fixed 5 Annuity $100K+ (NY)

Offers choice of initial interest guarantee period of 1, 3 or 5 years and may include an up-front premium bonus.










$1,000,000.00


$1,000,000.00












Terms Cost




None




None



None



(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)







Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


60/494




Disclaimers


61/494



American Pathway Fixed 5 Annuity MVA $5K-$100K

MVA applies











$1,000,000.00


$1,000,000.00







available after 30 Day s


Terms Cost




None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)










Disclaimers

State Approvals

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


62/494



63/494

American Pathway Fixed 5 Annuity MVA $5K-$100K (CA)

MVA applies











$1,000,000.00


$1,000,000.00







available after 30 Day s




(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!



64/494


American Pathway Fixed 5 Annuity MVA $100K+

MVA applies











$1,000,000.00


$1,000,000.00








Terms Cost




None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)










Disclaimers

State Approvals

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


65/494


66/494


American Pathway Fixed 5 Annuity MVA $100K+ (CA)

MVA applies











$1,000,000.00


$1,000,000.00










(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


67/494


American Pathway Fixed 7 Annuity $5K-$100K

Offers choice of initial interest guarantee period of 1, 3, 5 or 7 years and may include an Interest Rate enhancement or an up-front premium bonus.











$1,000,000.00


$1,000,000.00















None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


Terms Cost


68/494






Disclaimers

State Approvals



69/494

American Pathway Fixed 7 Annuity $5K-$100K (CA)












$1,000,000.00


$1,000,000.00














Surrender Charges (Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)








Disclaimers

Death Benefit



Issue Ages

Commissions

Important!



70/494

American Pathway Fixed 7 Annuity $5K-$100K (NY)

Offers choice of initial interest guarantee period of 1, 3, 5 or 7 years and may include an up-front premium bonus.










$1,000,000.00


$1,000,000.00












Terms Cost




None




None



None



(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)







Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


71/494




Disclaimers


72/494


American Pathway Fixed 7 Annuity $100K+












$1,000,000.00


$1,000,000.00















None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


Terms Cost


73/494






Disclaimers

State Approvals




74/494












$1,000,000.00


$1,000,000.00






















Disclaimers

Death Benefit



Issue Ages

Commissions

Important!




75/494












$1,000,000.00


$1,000,000.00


1-Year Guaranteed Fixed with ROP plus Additional Interest 1 -1 .25% 4.04%

1-Year Guaranteed Fixed without ROP plus Additional Interest 1 -1 .25% 4.19%












None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


Terms Cost


76/494

Approved in: CA




Disclaimers

State Approvals


77/494


American Pathway Fixed 7 Annuity $100K+ (NY)

Offers choice of initial interest guarantee period of 1, 3, 5 or 7 years and may include an up-front premium bonus.










$1,000,000.00


$1,000,000.00












Terms Cost




None




None



None



(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)







Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


78/494




Disclaimers


79/494



American Pathway Fixed 7 Annuity MVA $5K-$100K

MVA applies











$1,000,000.00


$1,000,000.00








Terms Cost




None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)










Disclaimers

State Approvals

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


80/494



81/494

American Pathway Fixed 7 Annuity MVA $5K-$100K (CA)

MVA applies











$1,000,000.00


$1,000,000.00










(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!



82/494


American Pathway Fixed 7 Annuity MVA $100K+

MVA applies



















Terms Cost




None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)





Approved in: , AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH,

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




Disclaimers

State Approvals

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


83/494


84/494




MVA applies











$1,000,000.00


$1,000,000.00








Terms Cost




None




None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)





Approved in: CA




Disclaimers

State Approvals

Surrender Charges

Death Benefit




Issue Ages

Commissions

Important!


85/494


86/494



MVA applies











$1,000,000.00


$1,000,000.00










(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Commissions

Important!


87/494


American Pathway Fixed 9 Plus Annuity

Important! Interest Rate Bonus







Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


1st Year Rate plus Additional Interest 1 -1 5.85%

Base Rate

1.00% 1.85%


Terms Cost




None

Annuity Value used if annuitized for a minimum of five years; withdrawal value without MVA is used otherwise, but not less than premium paid less any

prior withdrawals.



Approved in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, NV, OK, RI, SC, SD, TN, TX,

VA, VT, WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Death Benefit


Minimum Guarantee


88/494


American Pathway Flex Fixed 8 Annuity

Important! Interest Rate Bonus

Minimum Initial Premium:

If initial premium is greater than or equal to $5,000, EFT optional (min $100 monthly).

If initial premium is less than $5,000, EFT required (min. $300 montly).

Future non-EFT contributions must be at least $2,000. Minimum EFT requirements last for the life of contract.







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ EFT

$300.00


$1,000,000.00


$500,000.00

Subsequent Q & NQ (0-85) $100.00

Subsequent Q & NQ EFT

$300.00

Strategy Minimum Guaranteed

1st Year Rate plus Additional Interest 3.00%

Base Rate 1.00% 1.00%



Allowed without withdrawal charges or MVA if after fifth contract year and for a minimum of five years.

Terms Cost




None


(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-3.00-1.00-0% (8 years)



Approved in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH,

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




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


89/494



American Pathway Select 10 Annuity (5 year)

Important! 30 day walkaway option after year 5

90/494


Qualified & Non-Qualified Money (0-80) .900%




Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Year

Guaranteed

Base Rate

1 -5

1.30%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)







Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Issue Ages

Commissions








91/494






Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Year

Guaranteed

Base Rate

1 -5

1.30%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Issue Ages

Commissions








92/494






Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00

Strategy Year Guaranteed

Base Rate 1 -7 + 1.40%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




WV, WY

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions





93/494






Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Base Rate 1 -7 + 1.40%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)







Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions


94/494








Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Base Rate 1 -10 + 1.80%





options include

Terms Cost




None


(Ages 0-85) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions


95/494

American National Life Insurance Company (A)

Century Plus (High Band)


5% interest rate enhancement in the first year.






Initial Q & NQ (0-80) $99,999.99

Initial Q & NQ (0-80) $1,000,000.00


Base Rate 1.55%

1st Year Rate 6.55%


Systematic Withdrawal Interest Only available after 1 Day


Terms Cost

Disability - If the contract owner is disabled & eligible for disability benefits under Social Security, but not receiving Social Security Disability None

benefits at the time the annuity is issued. (100.00% access to issue age 65)

Nursing Care Confinement Waiver (100.00% access after 30-Day Confinement available after 90 Days to issue age 80) None

Terminal Illness Rider - Surrender Charges waived when diagnosed with a Terminal illness or injury that is expected to cause death within 12 None

months. (100.00% access after Diagnosis available after 1 Day)

Lifetime Income Rider (7.20% Compound Interest) - Provides an income stream guaranteed for life even if annuity value falls to zero. .90%

(Guaranteed for 10 Years) (available after 1 Year)

Death Benefit Greater of the Annuity Value or the Surrender Value





State Approvals Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH,


OK, OR,




Disclaimers


https://www.americannational.com/


96/494

Century Plus (High Band) (CA)

Disability - If the contract owner is disabled & eligible for disability benefits under Social Security, but not receiving Social Security Disability


None


Terminal Illness Rider - Surrender Charges waived when diagnosed with a Terminal illness or injury that is expected to cause death within 12


None

Lifetime Income Rider (7.20% Compound Interest) - Provides an income stream guaranteed for life even if annuity value falls to zero.


.90%

Greater of the Annuity Value or the Surrender Value

(Ages 0-80) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Important! No MVA


Commissions Type

Ages Commission


(0-75) 5.000%


(76-80) 3.000%



Maximum

Initial Q & NQ (0-80) $99,999.99


$1,000,000.00


Interest Rate

Base Rate

1.55%

1st Year Rate

6.55%




Terms

Cost



97/494

Century Plus (High Band) (NY)

Important! 5% interest rate enhancement in the first year.

Commissions Type

Ages Commission


(0-75) 4.000%


(76-80) 2.000%



Maximum

Initial Q & NQ (0-80) $100,000.00


$1,000,000.00


Interest Rate

Base Rate

1.35%

1st Year Rate

6.35%




Terms

Cost

Disability - If the contract owner is disabled & eligible for disability benefits under Social Security, but not receiving Social Security Disability None benefits at the time the annuity is issued. (100.00% access to issue age 65)


Terminal Illness Rider - Surrender Charges waived when diagnosed with a Terminal illness or injury that is expected to cause death within 12 None


Lifetime Income Rider (7.20% Compound Interest) - Provides an income stream guaranteed for life even if annuity value falls to zero. .90%


Death Benefit Greater of the Annuity Value or the Surrender Value









Disclaimers



98/494

Century Plus (Low Band)



Commissions Type

Ages Commission


(0-75) 5.000%


(76-80) 3.000%



Maximum

Initial Q & NQ (0-80) $5,000.00


$99,999.99


Interest Rate

Base Rate

1.45%

1st Year Rate

6.45%

10.00% of Annuity Value available after 1 Day

Interest Only available after 1 Day

Terms Cost



None




None



.90%


(Ages 0-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR,





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit






99/494

Century Plus (Low Band) (CA)

Important! No MVA


Commissions Type

Ages Commission


(0-75) 5.000%


(76-80) 3.000%



Maximum

Initial Q & NQ (0-80) $5,000.00


$99,999.99


Interest Rate

Base Rate

1.45%

1st Year Rate

6.45%



Terms Cost



None




None



.90%


(Ages 0-80) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)






Approved in: CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit






100/494

Century Plus (Low Band) (NY)

Important! 5% interest rate enhancement in the first year.

Commissions Type

Ages Commission


(0-75) 4.000%


(76-80) 2.000%



Maximum

Initial Q & NQ (0-80) $5,000.00


$99,999.99


Interest Rate

Base Rate

1.25%

1st Year Rate

6.25%



Terms Cost



None




None



.90%


(Ages 0-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit






101/494

Palladium Century 1








None

Nursing Care Rider (100.00% access after 60-Day Confinement available after 60 Days to issue age 80) None


(Ages 0-90) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AR, AZ, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SC, SD, TN, VA, VT, WI, WV, WY



Additional Premium cannot exceed total premium paid in the first contract year


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions

Initial Qualified $100.00


$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00

Fixed Rates Strategy Year

Interest Rate

Base Rate

2.40%

First Year

1 -1

3.40%

Penalty-Free Withdrawal 10.00% of Annuity Value available after 1 Year


Terms

Cost



102/494

Palladium Century 3 (FL)

MVA Applies







None



(Ages 0-64) 11.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-0% (10 years)






Approved in: FL





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions

Important!

Initial Qualified $4,000.00


$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -3

5.40%



Terms

Cost



103/494

Palladium Century 3

MVA Applies








None



(Ages 0-85) 11.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-0% (10 years)






Approved in: AR, AZ, CO, DC, DE, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SC, SD, TN, VA, VT, WI, WV, WY





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions

Important!



$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -3

5.40%



Terms

Cost



104/494








None



(Ages 0-64) 12.00-12.00-11.00-10.00-9.00-8.00-6.00-4.00-3.00-2.00-0% (10 years)






Approved in: FL





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions



$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -1

7.40%



Terms

Cost



105/494

Palladium Century 5








None



(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-6.00-4.00-3.00-2.00-0% (10 years)






Approved in: AR, AZ, CO, DC, DE, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SC, SD, TN, VA, VT, WI, WV, WY





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions



$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -1

7.40%



Terms

Cost



106/494




None



(Ages 0-64) 12.00-12.00-11.00-11.00-10.00-9.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: FL





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Commissions Type

Ages Commission


(0-64) 4.000%



Maximum


Initial Non-Qualified $5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate


1 -1 9.40%

Base Rate

2.40%



Terms

Cost







107/494

Palladium Century 7



None



(Ages 0-80) 12.00-12.00-11.00-11.00-10.00-9.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: AR, AZ, CO, DC, DE, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SC, SD, TN, VA, VT, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit

Commissions Type

Ages Commission


(0-74) 4.000%


(75-80) 2.000%



Maximum



Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate


1 -1 9.40%

Base Rate

2.40%



Terms

Cost







108/494

Palladium Century (CA)








None



(Ages 0-90) 9.00-7.00-6.00-6.00-5.00-4.00-2.00-0% (7 years)






Approved in: CA State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions



$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -1

2.40%



Terms

Cost







109/494

Palladium Century








None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)






Approved in: MD, WI State Approvals

Chargebacks

Surrender Charges

Death Benefit

Issue Ages

Commissions



$5,000.00

Initial Qualified

$1,000,000.00


$1,000,000.00


Interest Rate

Base Rate

2.40%

First Year

1 -1

2.40%



Terms

Cost



110/494


WealthQuest Citadel Five Diamond (High Band)

Commissions Type

Ages Commission


(0-80) 3.000%


(81-85) 2.000%







Subsequent Qualified (0-85) $1,000.00

Subsequent Non-Qualified (0-85) $1,000.00

Fixed Rates Strategy Year Interest Rate

Base Rate

1.30%

First Year 1 2.30%

Minimum Surrender value is return of premiums paid, less any cumulative withdrawals.

10.00% of Previous Anniversary's Accumulated Value available after 1 Day

10.00% per available after 1 Day

Can be annuitized after the first year for a minimum of 10 years without surrender charges

Terms Cost



None


Full Accumulated Value

(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-0% (5 years)

No chargeback annuitant issue ages 0-79, 100% chargeback in the first year annuitant age 80 . 100% chargeback in the first year

Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH,





Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



111/494


WealthQuest Citadel Five Diamond (High Band) NY






Initial Q & NQ (0-85) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-85) $1,000.00

Strategy Year Interest Rate

1 2.10%

Base Rate 1.10%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-0% (5 years)


Approved in: , NY




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions



112/494


WealthQuest Citadel Five Diamond (Low Band)






Initial Q & NQ (0-85) $5,000.00


$99,999.00

Subsequent Q & NQ (0-85) $1,000.00


Base Rate 1.20%

First Year 1 2.20%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-0% (5 years)







Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions



113/494


WealthQuest Citadel Five Diamond (NY) (Low Band)






Initial Q & NQ (0-85) $5,000.00


$99,999.00

Subsequent Q & NQ (0-85) $1,000.00


Base Rate 1.00%

First Year 1 2.00%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-0% (5 years)


Approved in: , NY




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions



114/494


WealthQuest Citadel Seven Diamond (NY) (Low Band)









$99,999.00


$99,999.00




Base Rate 1.10%

First Year 1 -1 3.10%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)


Approved in: , NY




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions



115/494

WealthQuest Citadel Seven Diamond (High Band)

Commissions Type

Ages Commission


(0-80) 3.500%


(81-85) 2.500%










1 -1 3.40%

Base Rate 1.40%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)








Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



116/494

WealthQuest Citadel Seven Diamond (High Band) NY

Commissions Type

Ages Commission


(0-80) 3.500%


(81-85) 2.500%










1 -1 3.20%

Base Rate 1.20%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)



Approved in: , NY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



117/494


WealthQuest Citadel Seven Diamond (Low Band)









$99,999.00


$99,999.00




Base Rate 1.30%

First Year 1 -1 3.30%





Terms Cost



None



(Ages 0-85) 7.00-7.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)







Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions


118/494


Terms Cost

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Contract Value available after 1 Year (10.00% cumulative maximum)

Annuitization Can be annuitized after 5th year for a minimum of 5 years without surrender charges

Death Benefit Full Accumulated Value

Surrender Charges (Ages 0-85) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (11 years)


Americo Financial Life and Annuity Insurance Company (A)

Platinum Secure (CT) Replacements:

Americo will not accept undisclosed replacements and, when identified, the application will be rejected.

Based on the current interest rate environment, Americo will not accept any annuity replacements for clients ages 75+.

Replacements for clients ages 70-74 will be considered, but placing these cases may require additional scrutiny and may be difficult to accept.

When completing the replacement section of the annuity suitability form, please provide specific information regarding your recommendation

for the replacement. Americo must be able to determine that there is a clear economic benefit to the client for the replacement. Diversification

or a premium bonus alone does not constitute a clear economic benefit.

Phone Calls:

Americo conducts pre-issue phone calls with all applicants ages 65+. The applicant must demonstrate a clear understanding of the annuity

purchase. If there appears to be confusion regarding the purchase, the annuity cannot be issued.

To expedite the phone call process, please alert your clients to the phone call and provide a 'best time to call' on the application. Agents cannot

be present for the phone call.











Subsequent Qualified (0-85) $50.00

Subsequent Non-Qualified (0-85) $50.00


1 2.00%

For policies issued in 2011 is 1%. Min. guar. int. rate will be redetermined at the end of the 11th contract year and wil be between 1% and 3%

Nursing Care Rider (100.00% access after 90-Day Confinement ) None

100% chargeback months 1-6




State Approvals Approved in: , CT

Minimum Guarantee

Important!


https://www.americo.com/

119/494





120/494


Platinum Secure (FL)

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 4.000%


(76-85) 2.000%







$1,000,000.00


$1,000,000.00




1

2.00%


10.00% of Previous Anniversary's Contract Value available after 1 Year (10.00% cumulative maximum)

Can be annuitized after 5th year for a minimum of 5 years without surrender charges


Terms

Nursing Care Rider (100.00% access after 90-Day Confinement )

Cost

None









Annuitization


Minimum Guarantee

Important!


121/494





122/494


Platinum Secure (OH)

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 6.000%


(76-85) 3.500%







$1,000,000.00


$1,000,000.00




1

2.00%




Terms Cost



(Ages 0-85) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (11 years)






Approved in: AK, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, UT, VA,

WA, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Important!


123/494




Disclaimers


124/494


Platinum Secure (PA)

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 6.000%


(76-85) 3.500%







$1,000,000.00


$1,000,000.00




1

2.00%





Terms


Cost

None








State Approvals Approved in: , PA

Annuitization


Minimum Guarantee

Important!


125/494





126/494


Platinum Secure (TX)

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 3.500%


(76-85) 1.500%







$1,000,000.00


$1,000,000.00




1

2.00%





Terms


Cost

None








State Approvals Approved in: , TX

Annuitization


Minimum Guarantee

Important!


127/494





128/494


Platinum Secure

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 3.500%


(76-85) 1.500%







$1,000,000.00


$1,000,000.00




1

2.00%




Terms Cost



(Ages 0-85) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (11 years)






Approved in: , AK, MN, OK, UT, WA

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Important!


129/494





130/494


Platinum Secure

Replacements:







Phone Calls:





Commissions Type

Ages Commission


(0-75) 6.000%


(76-85) 3.500%







$1,000,000.00


$1,000,000.00




1

2.00%




Terms Cost



(Ages 0-85) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (11 years)






Approved in: AK, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NM, OK, RI, SC, SD, TN, UT, VA,

WA, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Important!


131/494




Disclaimers





132/494


Athene AML (B++)

Freedom 3 (High Band) TX







Initial Q & NQ (0-85) $75,000.00

Initial Q & NQ (0-85) $1,000,000.00

Subsequent Q & NQ (0-85) $1,000.00


1-Year Guaranteed Fixed 1 1.35%

2% minimum

10.00% of Previous Anniversary's Accumulated Value available after 1 Day (20.00% cumulative maximum)

Can be annuitized after 2nd year for a minimum of 8 years or life or after the 5th year for a minimum of 5 years or life without surrender charges

Terms Cost

Guaranteed Purchase Option - Guaranteed Purchase Option (available after 10 sIf, under this option, you elect to begin receiving income

payments of at least 10 years or a life option. Bonus is based on the amount of any remaining first year premium. )

None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)

No chargeback after free look period 100% chargeback

months 1-6 50% chargeback

months 7-12

Approved in: , TX State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


https://www.athene.com/

Athene AML (B++)




133/494


Freedom 3 (Low Band) TX







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-85) $74,999.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




134/494


Freedom 3 (High Band) CA, MA







Initial Q & NQ (0-85) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , CA, MA State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

135/494


Freedom 3 (High Band)







Initial Q & NQ (0-85) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OK, OR, PA,

RI, SC, SD, TN, UT, VA, VT, WI, WV, WY




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




136/494


Freedom 3 (High Band) WA







Initial Q & NQ (0-85) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , WA State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




137/494


Freedom 3 (Low Band) CA, MA







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-85) $74,999.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

138/494


Freedom 3 (Low Band)







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-85) $74,999.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




139/494


Freedom 3 (Low Band) WA







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-85) $74,999.00

Subsequent Q & NQ (0-85) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




140/494


Freedom 5 (High Band $75k+) (CA, MA)







Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




141/494


Freedom 5 (High Band $75k+) (TX)







Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




142/494


Freedom 5 (High Band $75k+) (WA)







Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

143/494


Freedom 5 (High Band $75k+)







Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

144/494


Freedom 5 (Low Band <$75k) (CA)







Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , CA




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)


145/494

Disclaimers


Freedom 5 (Low Band <$75k) (CA, MA)







Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , CA, MA



LifetimePay Flex Confinement/Terminal benefit not available in CA.

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

146/494

Disclaimers


Freedom 5 (Low Band <$75k) (TX)







Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , TX




State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

147/494


Freedom 5 (Low Band <$75k) (WA)







Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , WA



LifetimePay Flex Confinement/Terminal benefit not available in CA.


Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)

148/494


Freedom 5 (Low Band <$75k)







Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-83) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




149/494

Freedom 7 (High Band $75k+) (CA, MA)

Commissions Type Ages

Commission

Qualified & Non-Qualified Money (0-75)

3.000%


1.750%


1.750%



Maximum

Initial Q & NQ (0-81) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00

Fixed Rates Year Guaranteed

1 -7

1.50%

2% minimum



Terms Cost



None


(Ages 0-81) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12


Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene AML (B++)




159/494

Freedom 7 (High Band $75k+) (TX)


Commission


3.000%


1.750%


1.750%



Maximum

Initial Q & NQ (0-81) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00


1 -7

1.50%

2% minimum



Terms Cost



None


(Ages 0-81) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12


Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene AML (B++)




151/494

Freedom 7 (High Band $75k+) (WA)


Commission


3.000%


1.750%


1.750%



Maximum

Initial Q & NQ (0-81) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00


1 -7

1.50%

2% minimum



Terms Cost



None


(Ages 0-81) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12


Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene AML (B++)

152/494

Freedom 7 (High Band $75k+)


Commission


3.000%


1.750%


1.750%



Maximum

Initial Q & NQ (0-81) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00


1 -7

1.50%

2% minimum



Terms Cost



None


(Ages 0-81) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene AML (B++)




153/494


Terms Cost

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Accumulated Value available after 1 Day (20.00% cumulative maximum)

Annuitization Can be annuitized after 2nd year for a minimum of 8 years or life or after the 5th year for a minimum of 5 years or life without surrender charges



State Approvals Approved in: , CA, MA

Freedom 7 (Low Band <$75k) (CA, MA)







Initial Q & NQ (0-81) $5,000.00

Initial Q & NQ (0-81) $1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00



2% minimum



None



months 7-12


Minimum Guarantee

Fixed Rates


Athene AML (B++)




154/494


Terms Cost






Freedom 7 (Low Band <$75k) (TX)







Initial Q & NQ (0-81) $5,000.00

Initial Q & NQ (0-81) $1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00



2% minimum



None



months 7-12


Minimum Guarantee

Fixed Rates


Athene AML (B++)




155/494


Terms Cost





State Approvals Approved in: , CA, WA

Freedom 7 (Low Band <$75k) (WA)







Initial Q & NQ (0-81) $5,000.00

Initial Q & NQ (0-81) $1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00



2% minimum



None



months 7-12


Minimum Guarantee

Fixed Rates


Athene AML (B++)

156/494

Freedom 7 (Low Band <$75k)







Initial Q & NQ (0-81) $5,000.00

Initial Q & NQ (0-81) $1,000,000.00

Subsequent Q & NQ (0-81) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-81) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene AML (B++)




157/494


Terms Cost






FreedomPlus (HighBand $75k+) (CA, MA)

Important! Premium Bonus for all 1st and 2nd year premium

Commissions Type

Ages Commission


(0-75) 6.500%


(76-78) 4.500%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.55%

Minimum Guarantee 2% minimum



None



months 7-12



Athene AML (B++)




158/494


Terms Cost






FreedomPlus (HighBand $75k+) (TX)


Commissions Type

Ages Commission


(0-75) 6.500%


(76-78) 4.500%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.55%




None



months 7-12



Athene AML (B++)

159/494

FreedomPlus (HighBand $75k+)


Commissions Type

Ages Commission


(0-75) 6.500%


(76-78) 4.500%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.55%




Terms Cost



None


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: AK, AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, RI, SC, SD, TN, UT, VA, VT,

WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Athene AML (B++)




160/494


Terms Cost






FreedomPlus (Low Band <$75k) (CA, MA)

Premium Bonus for all 1st and 2nd year premium





2.00% for all issue ages


Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



None



months 7-12


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)




161/494


Terms Cost






FreedomPlus (Low Band <$75k) (TX)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



None



months 7-12


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

162/494

FreedomPlus (Low Band <$75k)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: AK, AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, RI, SC, SD, TN, UT, VA, VT,

WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

163/494

FreedomPlus S (High Band) DE, OR

Important! Choose your guarantee period of 1, 3, 5, or 7 years!

Commissions Type

Ages Commission


(0-75) 5.000%


(76-78) 3.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.25%

Minimum Guarantee 1.10% on 1 Year Guaranteed Fixed




(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , DE, OR




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Athene AML (B++)

164/494

FreedomPlus S (High Band)


Commissions Type

Ages Commission


(0-75) 5.000%


(76-78) 3.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.25%





(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: CT, MN, NV, PA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Athene AML (B++)

165/494

FreedomPlus S (Low Band) (DE, OR)

Choose your guarantee period of 1, 3, 5, or 7 years!







Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



1.10% on 1 Year Guaranteed Fixed




(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

166/494

FreedomPlus S (Low Band)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00







(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: CT, MN, NV, PA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

167/494

FreedomPlus S (WA) (High Band)


Commissions Type

Ages Commission


(0-75) 5.000%


(76-78) 3.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.25%





(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Athene AML (B++)

168/494

FreedomPlus S (WA) (Low Band)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00







(Ages 0-82) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

169/494


Terms Cost




Bonus Recapture (Ages 0-78) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-


State Approvals Approved in: , CA, IN, WV

FreedomXtra (High Band $75k+) (CA)


Commissions Type

Ages Commission


(0-75) 6.000%


(76-78) 4.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.60%




None



months 7-12





Disclaimers


Athene AML (B++)

170/494


Terms Cost




Bonus Recapture (Ages 0-74) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-


State Approvals Approved in: , IN

FreedomXtra (High Band $75k+) (IN)


Commissions Type

Ages Commission


(0-74) 6.000%




Maximum

Initial Q & NQ (0-74) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-74) $1,000.00


Year

Guaranteed


1 1.60%




None



months 7-12





Disclaimers


Athene AML (B++)

171/494


Terms Cost




Bonus Recapture (Ages 0-78) 7.40-7.40-7.00-6.00-5.00-4.00-3.00-2.00-1.00-



FreedomXtra (High Band $75k+) (TX)


Commissions Type

Ages Commission


(0-75) 6.000%


(76-78) 4.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.60%




None



months 7-12





Disclaimers


Athene AML (B++)

172/494

FreedomXtra (High Band $75k+)


Commissions Type

Ages Commission


(0-75) 6.000%


(76-78) 4.000%




Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00


Year Guaranteed


1 1.60%




Terms Cost



None


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-




months 7-12

Approved in: AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, RI, SC, SD, TN, VA, VT, WI, WV,

WY




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization



Athene AML (B++)

173/494

FreedomXtra (Low Band <$75k) (CA)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

174/494

FreedomXtra (Low Band <$75k) (IN)







Initial Q & NQ (0-74) $5,000.00

Initial Q & NQ (0-74) $74,999.00

Subsequent Q & NQ (0-74) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-74) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-74) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-




months 7-12

Approved in: , IN




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

175/494

FreedomXtra (Low Band <$75k) (TX)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-78) 10.10-8.50-7.30-6.60-5.90-5.10-4.30-3.50-2.70-1.80-0% (10 years)

(Ages 0-78) 7.40-7.40-7.00-6.00-5.00-4.00-3.00-2.00-1.00-




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene AML (B++)

176/494

FreedomXtra (Low Band <$75k)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 7.40-7.40-7.40-7.40-7.40-7.40-7.40-7.40-5.30-2.70-




months 7-12

Approved in: AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OK, RI, SC, SD, TN, VA, VT, WI, WV,

WY




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene Annuity & Life Assurance Company (A-)

177/494

3+3 MYG (no MVA) TX

Important! +3 Option!







Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$250,000.00

Year Interest Rate

1 -6 3.00%

The guaranteed interest rate for year 1-6 will be delcared at the time of purchase. After the sixth contract year, a renewal interest rate will be declared

each year. Will always be at least 3%.

10.00% of Previous Anniversary's Accumulated Value available after 1 Year



Terms Cost

Terminal Illness Rider (100.00% access after 12-Month Diagnosis available after 1 Year) None


(Ages 0-85) 7.00-7.00-7.00-6.00-4.00-2.00-0% (6 years)






Approved in: , TX



Roth IRA Transfers are not accepted in PA and SC.

Commission chargeback will apply if exercised in the first 24 months.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates



178/494

3+3 MYG (no MVA)








Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$250,000.00

Year Interest Rate

1 -6 3.00%






Terms Cost



(Ages 0-85) 7.00-7.00-7.00-6.00-4.00-2.00-0% (6 years)






Approved in: , AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, PA, RI, SC, SD, TN, UT, VA, VT,

WI, WV, WY






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates



179/494

3+3 MYG








Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$250,000.00

Year Interest Rate

1 -6 3.00%






Terms Cost



(Ages 0-85) 7.00-7.00-7.00-6.00-4.00-2.00-0% (6 years)






Approved in: AL, AR, AZ, CA, CO, CT, DC, DE, GA, IA, ID, KS, KY, LA, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, RI, SC, TN, VA, WI, WV, WY






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates



180/494

Master Builder (MA)

Important! Enhanced Earnings Benefit!

FREE OUT: 100% free withdrawals 30 day window after the 5th contract year!






Initial Q & NQ (0-80) $5,000.00

Initial Q & NQ

(0-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

3.00%

The renewal rate may be higher or lower than the initial interest rate, but will always be at least 3%.



Can be annuitized after 24 months for a period of at least 5 years or income for life without surrender charges

Terms Cost

Confinement Waiver (100.00% access after 90-Day Confinement available after 1 Year) None


If the owner's death occurs before the 5th contract year, the full accumulation value will be paid to the beneficiary. If the owner's death occurs after the

5th contract year the beneficiary will receive the annuity's accumulation value plus an Enhanced Earnings Benefit.

(Ages 0-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: , MA





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



181/494

Master Builder

Important! Enhanced Earnings Benefit!

FREE OUT: 100% free withdrawals 30 day window after the 5th contract year!






Initial Q & NQ (0-80) $5,000.00

Initial Q & NQ

(0-80)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

3.00%




Can be annuitized after 24 months for a period of at least 5 years or income for life without surrender charges

Terms Cost

Confinement Waiver (100.00% access after 90-Day Confinement available after 1 Year) None


If the owner's death occurs before the 5th contract year, the full accumulation value will be paid to the beneficiary. If the owner's death occurs after the

5th contract year the beneficiary will receive the annuity's accumulation value plus an Enhanced Earnings Benefit.

(Ages 0-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT,

WA, WI, WV, WY





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



182/494

Value Master (FL, MA, PA)

Important! 8.50% Commission (ages 0-75).

Provides a competitive initial interest rate guaranteed for 12 months!







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ

(0-85)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

4.00%



Interest Only available after 1 Month

Can be annuitized after 1st year for a greater than 5 years or for life without surrender charges

Terms Cost

Confinement Waiver (100.00% access after 90-Day Confinement available after 3 Years) None


(Ages 0-85) 10.00-9.00-8.00-6.00-7.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: , FL, MA, PA





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



183/494

Value Master

Important! 8.50% Commission (ages 0-75).

Provides a competitive initial interest rate guaranteed for 12 months!







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ

(0-85)

$500,000.00

Fixed Rates Year

Interest Rate

1 -1

4.00%




Can be annuitized after 1st year for a greater than 5 years or for life without surrender charges

Terms Cost

Confinement Waiver (100.00% access after 90-Day Confinement available after 3 Years) None


(Ages 0-85) 10.00-9.00-8.00-6.00-7.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AL, AR, AZ, CA, CT, DC, DE, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN,

TX, UT, VA, VT, WA, WI, WV, WY





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


Athene (A)

184/494

Alliance Plus Series P-4

Free withdrawals of cumulative interest up to 10% of the accumulated value at the time of the first withdrawal that policy year!









$1,000,000.00


$1,000,000.00



Year Interest Rate Guaranteed

1 6.85% 2.00%

2.00% minimum guarantee


Can be annuitized after the first year for a minimum of 10 years or after the fifth year for a minimum of 5 years without surrender charges

Terms Cost

Confinement Waiver - After the first Contract Year, you can withdraw up to 100% of your annuity's Accumulated Value if you've been confined

to a Qualified Care Facility for at least 60 consecutive days and meet the eligibility requirements. (100.00% access available after 1 Year)

None


(Ages 0-80) 12.00-11.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (12 years)






Approved in: AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD,

TN, TX, VA, VT, WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions

Important!


Athene (A)

185/494


Terms Cost

Minimum Guarantee 2.00% minimum guarantee

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Contract Value available after 1 Year (10.00% cumulative maximum)


Annuitization Can be annuitized after the first year for a minimum of 10 years or after the fifth year for a minimum of 5 years without surrender charges



FPDA P10 (CT)

No MVA









$1,000,000.00


$1,000,000.00




1 -1 6.00% 2.00%



None








State Approvals Approved in: CT


Disclaimers

Fixed Rates

Issue Ages

Commissions

Important!


Athene (A)

186/494

FPDA P10 (MVA)









$1,000,000.00


$1,000,000.00




1 -1 6.00% 2.00%





Terms Cost



None


(Ages 0-80) 12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-5.00-3.00-0% (10 years)






Approved in: AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC,

SD, TN, TX, UT, VA, VT, WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions


Athene (A)

187/494

FPDA P10 (WA)

No MVA









$1,000,000.00


$1,000,000.00




1 -1 6.00% 2.00%





Terms Cost



None


(Ages 0-90) 9.00-8.00-7.00-6.50-5.50-4.50-3.50-2.50-1.50-1.00-0% (10 years)






Approved in: WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Issue Ages

Commissions

Important!


Athene (A)

188/494


Spirit 3 (High Band $75k+) (FL)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00

Subsequent Q & NQ $1,000.00


Guaranteed


1 1.35%

2% minimum



Terms Cost

Early Income Option - After the first contract year the value of your annuity may be used to purchase a single premium immediate annuity

without a withdrawal charge (available after 1 Year)

None

Home Health Care Waiver (20.00% access available after 1 Year) None



None

Terminal Illness Rider (100.00% access after Diagnosis available after 1 Year) None

Income Edge Flex Rider (7.20% Compound Interest) - Lifetime Income Option (available after 1 DayIncome Doubler for Confinement (cannot

be confined on issue date; must be confined to a qualified care facility for 180 of the past 250 days; available in second contract year; not

available in CA, CT, GA, NH, OR, TN, VA) from issue age 40)

.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , FL




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

189/494


Spirit 3 (High Band $75k+) (MA)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%

2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , MA




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

190/494


Spirit 3 (High Band $75k+) (MN)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%

2% minimum



Terms Cost



None



None






.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , MN




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

191/494


Spirit 3 (High Band $75k+) (TX)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%

2% minimum



Terms Cost




None





.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , TX




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




192/494


Terms Cost




Surrender Charges (Ages 0-85) 6.00-5.00-4.00-0% (3 years)



Spirit 3 (High Band $75k+) (WA)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%




None



None





months 7-12


Athene (A)




193/494


Spirit 3 (High Band $75k+) CA

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%

2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , CA State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

194/494


Spirit 3 (High Band $75k+)

Commissions Type

Ages Commission


(0-75) .250%


(76-80) .250%


(81-85) .000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.35%

2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN,

UT, VA, VT, WI, WV, WY




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

195/494


Spirit 3 (Low Band <$75k) (FL)








Initial Q & NQ

$74,999.00


Fixed Rates Strategy Year Guaranteed


2% minimum



Terms Cost



None




None





.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , FL




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

196/494


Spirit 3 (Low Band <$75k) (MA)








Initial Q & NQ

$74,999.00




2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , MA




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

197/494


Spirit 3 (Low Band <$75k) (MN)








Initial Q & NQ

$74,999.00




2% minimum



Terms Cost



None




None





.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , MN




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

198/494


Spirit 3 (Low Band <$75k) (TX)








Initial Q & NQ

$74,999.00




2% minimum



Terms Cost




None





.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12

Approved in: , TX




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




199/494

Spirit 3 (Low Band <$75k) (WA)








Initial Q & NQ

$74,999.00




1% minimum



Terms Cost



None




None



(Ages 0-85) 6.00-5.00-4.00-0% (3 years)




months 7-12


Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




200/494


Spirit 3 (Low Band <$75k) CA








Initial Q & NQ

$74,999.00




2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12


Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

201/494


Spirit 3 (Low Band <$75k)








Initial Q & NQ

$74,999.00




2% minimum



Terms Cost



None



None




None





.50%


(Ages 0-85) 6.00-5.00-4.00-0% (3 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

202/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , MA




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

203/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None






.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , MN




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

204/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None






.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , TX




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

205/494








Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



1% minimum



Terms Cost



None




None



(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)




months 7-12

Approved in: , WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

206/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

207/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None




None





.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , FL




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)




208/494









Initial Q & NQ (0-83) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , CA, WY State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)




209/494







Initial Q & NQ

$74,999.00




2% minimum



Terms Cost



None




None





.50%


(Ages 0-64) 8.00-7.00-6.00-5.00-4.00-0% (5 years)




months 7-12

Approved in: , FL State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




210/494









Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , MA State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

211/494









Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None






.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , MN




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

212/494









Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost




None





.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , TX




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

213/494


Terms Cost














Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



1% minimum



None



None





months 7-12




Disclaimers

Minimum Guarantee

Fixed Rates


Athene (A)

214/494









Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None



None




.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12

Approved in: , CA




Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

215/494









Initial Q & NQ (0-83) $5,000.00

Initial Q & NQ (0-83) $74,999.00

Subsequent Q & NQ (0-83) $1,000.00



2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)



months 7-12






Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


Athene (A)

216/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost



None



None






.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

217/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

218/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost



None



None






.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , MN




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

219/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost




None





.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

220/494


Terms Cost








Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%




None



None





months 7-12




Disclaimers


Athene (A)

221/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

222/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.50%

2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

223/494


Commissions Type

Ages Commission


(0-64) 3.000%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost




None





.50%


(Ages 0-64) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

224/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




225/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost




None





.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , MN State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




226/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost




None





.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12


Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

227/494


Terms Cost







Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%




None



months 7-12





Disclaimers


Athene (A)

228/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost



None



None




.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

229/494


Commissions Type

Ages Commission


(0-75) 3.000%


(76-81) 1.750%



Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




months 7-12






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




230/494

Spirit Bonus (High Band $75k+) (FL)

Important! Premium Bonus available for all 1st and 2nd year premium.

Commissions Type

Ages Commission


(0-64) 6.000%




Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.60%

2% minimum



Terms Cost



None




None





.50%


(Ages 0-64) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-64) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: , FL State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)




231/494

Spirit Bonus (High Band $75k+) (IN)

Premium Bonus available for all 1st and 2nd year premium.






Initial Q & NQ (0-74) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-74) $1,000.00



2% minimum



Terms Cost



None




None





.50%


(Ages 0-74) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-74) 10.00-10.00-10.00-10.00-8.00-7.00-6.00-5.00-4.00-2.00-




months 7-12

Approved in: , IN

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

232/494

Spirit Bonus (High Band $75k+) (MA)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

233/494

Spirit Bonus (High Band $75k+) (TX)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None






.50%


(Ages 0-78) 10.10-8.50-7.30-6.60-5.90-5.10-4.30-3.50-2.70-1.80-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.40-2.70-2.00-1.30-.50-.20-




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

234/494

State Approvals Approved in: , CA, ND

Spirit Bonus (High Band $75k+) CA








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12




Disclaimers

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

235/494

Spirit Bonus (High Band $75k+)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




None





.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


236/494





237/494

Athene (A)

Spirit Bonus (Low Band <$75k) (FL)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None




None





.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-64) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: , FL




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


238/494


Athene (A)

239/494

Spirit Bonus (Low Band <$75k) (IN)







Initial Q & NQ (0-74) $5,000.00

Initial Q & NQ (0-74) $74,999.00

Subsequent Q & NQ (0-74) $1,000.00



2% minimum



Terms Cost



None




None





.50%


(Ages 0-74) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-74) 10.00-10.00-10.00-10.00-8.00-7.00-6.00-5.00-4.00-2.00-




months 7-12

Approved in: , IN




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

240/494

Spirit Bonus (Low Band <$75k) (MA)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

241/494

Spirit Bonus (Low Band <$75k) (TX)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost




None





.50%


(Ages 0-78) 10.10-8.50-7.30-6.60-5.90-5.10-4.30-3.50-2.70-1.80-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.40-2.70-2.00-1.30-.50-.20-




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

242/494

Spirit Bonus (Low Band <$75k) CA








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

243/494

Spirit Bonus (Low Band <$75k)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-78) 12.00-12.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-0% (10 years)

(Ages 0-78) 3.80-3.80-3.80-3.80-3.80-3.80-3.80-3.80-2.70-1.30-




months 7-12

Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY

State Approvals

Chargebacks

Bonus Recapture

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


244/494





Athene (A)

245/494

Spirit Plus (HighBand $75k+) (FL)


Commissions Type

Ages Commission


(0-64) 6.500%




Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.55%

2% minimum



Terms Cost



None



None






.50%


(Ages 0-64) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

246/494

Spirit Plus (HighBand $75k+) (MA)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

247/494

Spirit Plus (HighBand $75k+) (TX)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost




None





.50%


(Ages 0-78) 14.90-13.50-12.10-10.60-9.20-7.70-6.20-4.70-3.10-1.50-0% (10 years)




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

248/494

Spirit Plus (HighBand $75k+) CA








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

249/494

Spirit Plus (HighBand $75k+)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: AK, AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI,

WV, WY



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


250/494



Athene (A)

251/494

Spirit Plus (Low Band <$75k) (FL)


Commissions Type

Ages Commission


(0-64) 6.500%




Maximum


Initial Q & NQ

$1,000,000.00



Guaranteed


1 1.00%

2% minimum



Terms Cost



None




None





.50%


(Ages 0-64) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , FL




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


Athene (A)

252/494

Spirit Plus (Low Band <$75k) (MA)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , MA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

253/494

Spirit Plus (Low Band <$75k) (TX)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None






.50%


(Ages 0-78) 14.90-13.50-12.10-10.60-9.20-7.70-6.20-4.70-3.10-1.50-0% (10 years)




months 7-12

Approved in: , TX




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

254/494

Spirit Plus (Low Band <$75k) CA








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: , CA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

255/494

Spirit Plus (Low Band <$75k)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None



None






.50%


(Ages 0-78) 16.00-15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-0% (10 years)




months 7-12

Approved in: AK, AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, VA, VT, WI,

WV, WY



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


256/494



Athene (A)

257/494

Spirit Plus S (HighBand $75k+) (MN)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00





Terms Cost



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Approved in: , MN




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

258/494

Spirit Plus S (HighBand $75k+) (WA)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00



1% minimum



Terms Cost



None




None



(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Approved in: , WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)




259/494

State Approvals Approved in: CT, NV

Spirit Plus S (HighBand $75k+)








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00





Terms Cost



None



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)




269/494

State Approvals Approved in: , DE, OR

Spirit Plus S (HighBand $75k+) DE, OR








Initial Q & NQ (0-78) $75,000.00


$1,000,000.00

Subsequent Q & NQ (0-78) $1,000.00





Terms Cost



None



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)




261/494

Spirit Plus S (Low Band <$75k) (MN)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Approved in: , MN

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

262/494


Terms Cost







Spirit Plus S (Low Band <$75k) (WA)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



1% minimum



None



None





months 7-12




Disclaimers

Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


Athene (A)

263/494

Spirit Plus S (Low Band <$75k) DE, OR








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


264/494



265/494

Athene (A)

Spirit Plus S (Low Band <$75k)








Initial Q & NQ (0-78) $5,000.00

Initial Q & NQ (0-78) $74,999.00

Subsequent Q & NQ (0-78) $1,000.00



2% minimum



Terms Cost



None



None




None





.50%


(Ages 0-78) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)




months 7-12

Approved in: CT, NV



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


266/494



267/494


Terms Cost


Systematic Withdrawal Interest Only available after s


Columbus Life Insurance Company (A+)

Accelerator (15-85) Qualified , (0-85) Non-Qualified




Initial Qualified $1,000,000.00

Initial Non-Qualified $1,000,000.00

Year Guaranteed

1 -1 1.00%

2 -2 1.15%

3 -3 1.30%

4 -4 1.45%

5 -5 1.60%

Confinement (100.00% access after 30-Day Confinement ) None

Terminal Illness (100.00% access after 12-Month Diagnosis ) None

Approved in: AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT,

VA, VT, WI, WV, WY




Disclaimers

State Approvals

Fixed Rates

Issue Ages


https://www.westernsouthern.com/columbuslife


268/494

AccountMax 7



(Ages 0-89) 7.00-7.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




Disclaimers

Surrender Charges

Issue Ages



269/494

Passport



Issue Ages


EquiTrust Life Insurance Company (B++)

ChoiceFour Commissions Type Ages Commission

270/494






Initial Q & NQ $1,000,000.00


Base Contract 2.90%

MVA Option 2.90%

Liquidity Option 2.40%

Liquidity & MVA Options 2.40%

100% of premiums paid (excluding any Premium Bonus), less any partial withdrawals, plus interest earned at a rate of no lower than 1% and no higher

than 3%, less Surrender Charges.

Interest Only available after 1 Year


Terms Cost

MVA Option - 1.50% Premium Bonus None

Nursing Home Waiver ChoiceFour (Not available in MA) (100.00% access after 90-Day Confinement available after 1 Year to issue age 80) None

Liquidity Option (State variations) - If selected - 6 year surrender charge period (9%,8%,7%,6.5%,5.5%,4.5%,0%) and 10% FREE Withdrawals of

the Accumulation Value after the first contract year. (earned interest may be taken systematically during the first year) (10.00% access available

after 1 Year)

None


(Ages 0-85) 9.00-8.00-7.00-6.50-5.50-4.50-3.50-2.50-1.50-0% (9 years)






Approved in: , AK, CA, IN, MA, MD, MN, MT, NJ, OK, OR, PA, TX, UT, VT, WA




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


https://www.equitrust.com/


ChoiceFour


271/494






Initial Q & NQ $1,000,000.00


Base Contract

2.90%

MVA Option

2.90%

Liquidity Option

2.40%

Liquidity & MVA Options

2.40%

100% of premiums paid (excluding any Premium Bonus), less any partial withdrawals, plus interest earned at a rate of no lower than 1% and no higher

than 3%, less Surrender Charges.



Terms Cost


Nursing Home Waiver (100.00% access after 90-Day Confinement available after 1 Year to issue age 80) None

Liquidity Option - If selected - 6 year surrender charge period (12%,11%,10%,9%,8%,7%,0%) and 10% FREE Withdrawals of the Accumulation

Value after the first contract year. (earned interest may be taken systematically during the first year) (10.00% access available after 1 Year)

None


(Ages 0-85) 12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (9 years)






Approved in: AL, AR, AZ, CO, DC, DE, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MO, MS, NC, ND, NE, NH, NM, RI, SC, SD, TN, VA, WI, WV, WY




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee



272/494


Terms Cost

Systematic Withdrawal Interest Only available after 1 Year

Annuitization Can be annuitized after 5th year for a minimum of 5 years without surrender charges



ChoiceFour (FL)

Important! (FL) Ages 65+ Require client to be an Accredited Investor

Commissions Type

Ages Commission


(0-80) 5.500%


(81-85) 4.125%




Initial Q & NQ

$1,000,000.00


Interest Rate

Base Contract

2.90%

MVA Option

2.90%

Liquidity Option

2.40%


2.40%

100% of premiums paid (excluding any Premium Bonus), less any partial withdrawals, plus interest earned at a rate of no lower than 1% and no

higher than 3%, less Surrender Charges.



Liquidity Option (FL) - If selected - 6 year surrender charge period (10%,10%,10%,9%,8%,7%,0%) and 10% FREE Withdrawals of the

Accumulation Value after the first contract year. (earned interest may be taken systematically during the first year) (10.00% access


None





Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages,

product features and state availability are all subject to change. ALWAYS check with the insurance company to confirm current

information.




Disclaimers

Minimum Guarantee



273/494

ChoiceFour (OH, NV)







Initial Q & NQ $1,000,000.00


Base Contract

2.90%

MVA Option

2.90%

Liquidity Option

2.40%


2.40%

100% of premiums paid (excluding any Premium Bonus), less any partial withdrawals, plus interest earned at a rate of no lower than 1% and no

higher than 3%, less Surrender Charges.



Terms Cost



Liquidity Option (State variations) - If selected - 6 year surrender charge period (9%,8%,7%,6.5%,5.5%,4.5%,0%) and 10% FREE

Withdrawals of the Accumulation Value after the first contract year. (earned interest may be taken systematically during the first year)

(10.00% access available after 1 Year)

None


(Ages 0-85) 9.00-8.00-7.00-6.50-5.50-4.50-3.50-2.50-1.50-0% (9 years)






Approved in: , NV, OH



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Issue Ages

Commissions


Fidelity & Guaranty Life (A-)

F & G Guarantee-Plus 3


information.

Withdrawals up to the accumulated interest may be made free of surrender charge. Withdrawals must be at least $100 with just one

request and unscheduled withrawals (up to four times per year) in an amount of at least $500.


274/494










1 -1 2.00%

2 -3 1.00%

Set at issue and fixed for the life of the contract with a minimum of 1% and a maximum of 3%.


From day one of your annuity, you may elect to have the account value paid under an annuity payment plan.

Surrender charges may apply

(Ages 0-90) 9.00-8.00-7.00-0% (3 years)


None 100% chargeback months 1-6


Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM,

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



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


https://www.fglife.com/




information.




275/494




(80-90) 1.250%






$1,000,000.00


$1,000,000.00


1 -1

3.05%

2 -5

2.05%





(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-0% (5 years)

100% chargeback in the first year 100% chargeback year 1


Approved in: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH,

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



Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee



information.




276/494












1 -1 3.55%

2 -7 2.55%





(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




Approved in: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH,

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



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee



277/494

Simplicity Elite 7

DECLARED FIXED INTEREST RATE The initial fixed interest rate is GUARANTEED for one year. After the first contract anniversary we will declare on or before each contract anniversary, a new interest rate that is guaranteed for one year.

Commissions Type

Ages Commission


(0-79) 5.000%


(80-85) 4.000%



Maximum


Initial Q & NQ

$600,000.00


Interest Rate

S&P 500 Annual Point to Point Declared Rate (amount is credited for positive gain in index) 2.00%

87.5% of Premium, plus daily interest accruing at the MGSV accumulation interest rate, less rider charges if any. MGSV rate will be between 1%

and 3% and is set at contract issue.

10.00% of Vested Account available after 1 Year

Interest Only available after s

Can be annuitized at contract maturity.

Terms Cost

Nursing Home Benefit - Nursing Home Benefit (100.00% access after 60-Day Confinement available after 1 Year) None

Terminal Illness Rider - Terminal Illness Rider (100% access after diagnosis of less than 1 year, available after 1 year) (100.00% access

after Diagnosis available after 1 Year)

None

Guaranteed Minimum Death Benefit Rider (GMDB) (3.00% Simple Interest) - At death of the owner, the Guaranteed Minimum Death

Benefit will be the greater of:

The annuity's account value

The minimum guaranteed surrender value, and

The initial premium plus 3% simple interest up to 10 years or until age 85, whichever comes first

.50%

Simplicity Elite Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) (10.00% Simple Interest) (Protection against

Impairment: Guarantees a higher income stream while impaired and the account value is more than zero. Single Annuitant receives 2

times the standard guaranteed withdrawal payment. Joint Annuitants receive 1.5 times the standard guaranteed withdrawal payment.

)

.85%

Greater of the Account Value, Surrender Value (Vested account value, less surrender charges), or Minimum Guaranteed Surrender Value.

(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)




Approved in: , ID, MA, SD, WI



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


278/494


279/494


Simplicity Elite 7


Commissions Type

Ages Commission


(0-79) 5.000%


(80-85) 4.000%



Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost


Home Health Care Rider - Surrender Charges and MVA waived if you require services provided by a licensed Home Health Care

Provider and are unable to perform 2 of 6 activities of daily life. (100.00% access available after 1 Year)

None



None






.50%




.85%

)

Death Benefit Greater of the Account Value, Surrender Value (Vested account value, less surrender charges), or Minimum Guaranteed Surrender Value.





State Approvals Approved in: AK, AR, AZ, CA, CO, DC, DE, GA, IA, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, TN,

VA, VT, WV, WY

TX, UT,


Annuitization



Minimum Guarantee

Important!


280/494





281/494


Simplicity Elite 10 LT (MA)


Commissions Type

Ages Commission


(0-79) 6.000%


(80-85) 5.000%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost




None



None






.50%




)

.85%


(Ages 0-85) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (10 years)

(Ages 0-85) 10.00-20.00-30.00-40.00-50.00-60.00-70.00-80.00-90.00-100.00% (10 years)




Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


282/494

Approved in: , MA



information.


Disclaimers

State Approvals



283/494

Simplicity Elite 10 LT


Commissions Type

Ages Commission


(0-79) 6.000%


(80-85) 5.000%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost



None


(Ages 0-85) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (10 years)

(Ages 0-85) 10.00-20.00-30.00-40.00-50.00-60.00-70.00-80.00-90.00-100.00% (10 years)




Approved in: , AK, DE, NV, OK, TX, UT



information.


Disclaimers

State Approvals

Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!



284/494

Simplicity Elite 10


Commissions Type

Ages Commission


(0-79) 6.500%


(80-85) 5.500%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost




None






.50%




)

.85%


(Ages 0-85) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (10 years)

(Ages 0-85) 10.00-20.00-30.00-40.00-50.00-60.00-70.00-80.00-90.00-100.00% (10 years)




Approved in: , ID, SD, WI

State Approvals

Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


285/494



information.


Disclaimers


286/494


Simplicity Elite 10


Commissions Type

Ages Commission


(0-79) 6.500%


(80-85) 5.500%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost




None



None






.50%




)

.85%


(Ages 0-85) 10.00-10.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (10 years)

(Ages 0-85) 10.00-20.00-30.00-40.00-50.00-60.00-70.00-80.00-90.00-100.00% (10 years)




Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


287/494

Approved in: AR, AZ, CA, CO, DC, GA, IA, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, TN, VA, VT, WV, WY



information.


Disclaimers

State Approvals


288/494


Simplicity Elite 14


Commissions Type

Ages Commission


(0-79) 7.500%


(80-85) 6.500%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost




None



None






.50%




)

.85%


(Ages 0-85) 14.00-13.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (14 years)

(Ages 0-85) 7.00-14.00-21.00-29.00-36.00-43.00-50.00-57.00-64.00-71.00-79.00-86.00-93.00-100.00% (14 years)




Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


289/494

Approved in: AR, AZ, CA, CO, DC, GA, IA, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, PA, RI, TN, VA, VT, WV, WY



information.


Disclaimers

State Approvals


290/494


Simplicity Elite 14


Commissions Type

Ages Commission


(0-79) 7.500%


(80-85) 6.500%




Maximum


Initial Q & NQ

$600,000.00


Interest Rate







Terms Cost




None






.50%




)

.85%


(Ages 0-85) 14.00-13.00-12.00-11.00-10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (14 years)

(Ages 0-85) 7.00-14.00-21.00-29.00-36.00-43.00-50.00-57.00-64.00-71.00-79.00-86.00-93.00-100.00% (14 years)




Approved in: , ID, SD, WI

State Approvals

Chargebacks


Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


291/494



information.


Disclaimers


OM Guarantee-Plus 5


292/494









$1,000,000.00


$1,000,000.00

1 -1 4.00%

2 -5 3.00%





(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)




Approved in: NY



information.




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


293/494

OM Guarantee-Plus 7


Commission

Qualified Money (18-85)

1.250%

Non-Qualified Money (0-85)

1.250%



Maximum




$1,000,000.00


$1,000,000.00


1 -1

4.00%

2 -7

3.00%





(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)




Approved in: NY



information.




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Disclaimers Notice: Information contained on this sheet including but not limited to commissions, rates, caps, fees, participation rates, issue ages,


information.


294/494

Genworth (A-)

SecureLiving SmartRate (Low Band) (IN, MN)

Important! Offers a choice of initial interest guarantee period of 1, 3, or 5 years.










1-Year Guaranteed Fixed with ROP* 1 -1 1.00% 2.65%



1-Year Guaranteed Fixed without ROP 1 -1 1.00% 3.90%



Surrender value will not be less than your original premium, less any prior withdrawals.



Can be annuitized after the first contract year for Life Income with Period Certain (10, 15, or 20 years) or Joint Life and Survivor Income with a

10 year period certain.

Contract Value without surrender charges

(Ages 0-85) 8.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)


100% chargeback months 1-6 in the event of death to any owner with an issue age of 76 or older. No chargeback after 1 year

Approved in: IN, MN

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


https://www.genworth.com/

Genworth (A-)



information.


295/494

SecureLiving SmartRate (Mid Band) (IN, MN)























(Ages 0-85) 8.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)



Approved in: IN, MN

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


296/494

SecureLiving SmartRate (Mid High Band) IN, MN








Initial Q & NQ $100,000.00

Initial Q & NQ $249,999.00














(Ages 0-85) 8.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)



Approved in: IN, MN

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

297/494

SecureLivingÂ® Independence (High Band) MA

Important! Guaranteed interest rate for 1 year

2nd year base rate guaranteed at issue







Initial Q & NQ $100,000.00

Initial Q & NQ $500,000.00


1-Year Guaranteed Fixed 1 -1

5.90%

Base Rate 2 -2

3.40%





The death benefit is the contract value as of the date proof of death is received.

(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

298/494

SecureLivingÂ® Independence (High Band) NY









Initial Q & NQ $100,000.00

Initial Q & NQ $500,000.00



5.25%

Base Rate 2 -2

3.00%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , NY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (High Band)

299/494









Initial Q & NQ $100,000.00

Initial Q & NQ $500,000.00



5.90%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , IN, MN, OR



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (High Band)

300/494









Initial Q & NQ $100,000.00

Initial Q & NQ $500,000.00



5.90%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH,

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



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

301/494

SecureLivingÂ® Independence (Low Band) MA













4.90%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

302/494

SecureLivingÂ® Independence (Low Band) NY













4.25%

Base Rate 2 -2

3.00%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , NY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (Low Band)

303/494













4.90%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-0% (6 years)






information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (Low Band)

304/494













4.90%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

305/494

SecureLivingÂ® Independence (Mid Band) MA













5.40%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

306/494

SecureLivingÂ® Independence (Mid Band) NY













4.75%

Base Rate 2 -2

3.00%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , NY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (Mid Band)

307/494













5.40%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-0% (6 years)






information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)

SecureLivingÂ® Independence (Mid Band)

308/494













5.40%

Base Rate 2 -2

3.40%






(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Genworth (A-)



information.


309/494

SecureLivingÂ® Liberty (High Band) MA

Important! Bailout Feature

Offers choice of initial interest guarantee period of 1, 3, or 5 years







Initial Q & NQ $250,000.00

Initial Q & NQ $500,000.00

Fixed Rates Strategy Year Interest Rate Guaranteed

1-Year Guaranteed Fixed 1 -1 4.45%


3.20%


2.70%

Bailout Rate One-Year

1.70%

Bailout Rate Three-Year

1.70%

Bailout Rate Five-Year

1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)



information.


319/494

SecureLivingÂ® Liberty (High Band) NY









Initial Q & NQ $250,000.00

Initial Q & NQ $500,000.00




2.90%


2.55%


1.45%


1.45%


1.45%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (High Band)

311/494









Initial Q & NQ $250,000.00

Initial Q & NQ $500,000.00




3.20%


2.70%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (High Band)



information.


312/494









Initial Q & NQ $250,000.00

Initial Q & NQ $500,000.00




3.20%


2.70%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-0% (6 years)




State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)



information.


313/494

SecureLivingÂ® Liberty (Low Band) MA














2.40%


2.15%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)



information.


314/494

SecureLivingÂ® Liberty (Low Band) NY














2.10%


2.00%


1.45%


1.45%


1.45%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (Low Band)



information.


315/494














2.40%


2.15%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-0% (6 years)




State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (Low Band)

316/494














2.40%


2.15%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)



information.


317/494

SecureLivingÂ® Liberty (Mid Band) MA









Initial Q & NQ $100,000.00





3.00%


2.55%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)



information.


318/494

SecureLivingÂ® Liberty (Mid Band) NY









Initial Q & NQ $100,000.00





2.70%


2.40%


1.45%


1.45%


1.45%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)



Approved in: , IN, NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (Mid Band)

319/494









Initial Q & NQ $100,000.00





3.00%


2.55%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-0% (6 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

SecureLivingÂ® Liberty (Mid Band)

320/494









Initial Q & NQ $100,000.00





3.00%


2.55%


1.70%


1.70%


1.70%




(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-0% (6 years)






information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Genworth (A-)

321/494


SecureLivingÂ® Rate Saver 5 (High Band)

Commissions Type

Ages Commission


(0-75) 2.000%


(76-80) 1.350%


(81-85) .700%



Initial Q & NQ $250,000.00

Initial Q & NQ

$500,000.00


1 -5

2.65%

87.5% of the single premium, plus interest credited at 1% less any partial withdrawals and premium taxes.

Interest Only available after 12 Months




(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)


Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM,

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



information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)

322/494


SecureLivingÂ® Rate Saver 5 (Low Band)

Commissions Type

Ages Commission


(0-75) 2.000%


(76-80) 1.350%


(81-85) .700%




Initial Q & NQ

$99,999.00


1 -5

2.35%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)






information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)

323/494


SecureLivingÂ® Rate Saver 5 (Mid Band)

Commissions Type

Ages Commission


(0-75) 2.000%


(76-80) 1.350%


(81-85) .700%



Initial Q & NQ $100,000.00

Initial Q & NQ

$249,999.00


1 -5

2.55%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-0% (5 years)






information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)

324/494


SecureLivingÂ® Rate Saver 7 (High Band)

Commissions Type

Ages Commission


(0-75) 2.750%


(76-80) 2.150%


(81-85) 1.500%



Initial Q & NQ $250,000.00

Initial Q & NQ

$500,000.00


1 -7

2.80%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)






information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)

325/494


SecureLivingÂ® Rate Saver 7 (Low Band)

Commissions Type

Ages Commission


(0-75) 2.750%


(76-80) 2.150%


(81-85) 1.500%




Initial Q & NQ

$99,999.00


1 -7

2.50%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)






information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)

326/494


SecureLivingÂ® Rate Saver 7 (Mid Band)

Commissions Type

Ages Commission


(0-75) 2.750%


(76-80) 2.150%


(81-85) 1.500%



Initial Q & NQ $100,000.00

Initial Q & NQ

$24,999.00


1 -7

2.70%






(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)






information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


Genworth (A-)



information.


327/494

SecureLivingÂ® SmartRate (High Band) IN, MN








Initial Q & NQ $250,000.00

Initial Q & NQ $1,000,000.00














(Ages 0-85) 8.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)



Approved in: IN, MN

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


328/494

SecureLivingÂ® SmartRate (High Band) MA








Initial Q & NQ $250,000.00

Initial Q & NQ $1,000,000.00














(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


329/494

SecureLivingÂ® SmartRate (High Band) NY








Initial Q & NQ $250,000.00

Initial Q & NQ $249,999.00














(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

330/494

SecureLivingÂ® SmartRate (High Band)








Initial Q & NQ $250,000.00

Initial Q & NQ $1,000,000.00














(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY,

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



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


331/494

SecureLivingÂ® SmartRate (Low Band) MA























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


332/494

SecureLivingÂ® SmartRate (Low Band) NY























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

333/494

SecureLivingÂ® SmartRate (Low Band)























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)







information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


334/494

SecureLivingÂ® SmartRate (Mid Band) MA























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , MA

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)



information.


335/494

SecureLivingÂ® SmartRate (Mid Band) NY























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: NY

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

336/494

SecureLivingÂ® SmartRate (Mid Band)























(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY,

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



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

337/494

SecureLivingÂ® SmartRate (Mid High Band) NY








Initial Q & NQ $100,000.00

Initial Q & NQ $249,999.00














(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: NY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


Genworth (A-)

338/494

SecureLivingÂ® SmartRate (Mid High Band)








Initial Q & NQ $100,000.00

Initial Q & NQ $249,999.00














(Ages 0-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH,




information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization



Minimum Guarantee


339/494

Global Atlantic - Annuity (A)

ForeCare

Important! ForeCare Easy Application Process (takes approximately 30 minutes)

RIDER COSTS VARY. See Brochure







Initial Q & NQ $400,000.00


$200,000 2.50%

$35,000-$199,999 2.25%



Terms Cost

Inflation Protection Benefit Rider - Increases the Maximum Monthly Benefit and remaining unused Extended Benefit Amount will None

increase at each anniversary by 5%. (Can only be purchased if the Rider for Long-Term Care Benefits is purchased)

Nonforfeiture Benefit Rider - Provides continued long-term care coverage over a shortened benefit period upon termination of the None

Rider for Long-Term Care Benefits. (This rider can only be purchased if the Rider for Long Term-Care Benefits is purchased)

Rider for Long-Term Care Benefits - Provides up to two to three times (depending on underwriting eligibility) the amount of the None

Contract Value in long term care coverage to spend on qualifed Long-Term care benefit and will not become part of the Contract

Value or the Death Benefit.



100% chargeback in the first year 100% chargeback in the first year

State Approvals Approved in: AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM,

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

NV, OH,



information.


Disclaimers


https://www.globalatlantic.com/

Global Atlantic - Annuity (A)

340/494

ForeCare (IA, NJ, PA)

Important! GROUP APPLICATIONS ONLY

ForeCare Easy Application Process (takes approximately 30 minutes)

RIDER COSTS VARY. See Brochure






Maximum


Initial Q & NQ

$400,000.00


$200,000

2.50%

$35,000-$199,999

2.25%



Terms

Cost

Inflation Protection Benefit Rider - Increases the Maximum Monthly Benefit and remaining unused Extended Benefit Amount will None increase at each anniversary by 5%. (Can only be purchased if the Rider for Long-Term Care Benefits is purchased)

Nonforfeiture Benefit Rider - Provides continued long-term care coverage over a shortened benefit period upon termination of the None Rider for Long-Term Care Benefits. (This rider can only be purchased if the Rider for Long Term-Care Benefits is purchased)

Rider for Long-Term Care Benefits - Provides up to two to three times (depending on underwriting eligibility) the amount of the None Contract Value in long term care coverage to spend on qualifed Long-Term care benefit and will not become part of the Contract

Value or the Death Benefit.




State Approvals Approved in: IA, NJ, PA



information.


Disclaimers


341/494

Great American Life Insurance Company (A)

Advantage 8

Flexible premium payments available - minimum $50 monthly










1 4.50%

2 2.50%


Terms Cost

Extended Care Waiver (100.00% access after 90-Day Confinement available after 1 Year) None

Terminal Illness Waiver (100.00% access after 12-Month Diagnosis available after 1 Year) None


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-0% (8 years)








information.


Disclaimers

Chargebacks

Surrender Charges

Death Benefit



Issue Ages

Important!


https://www.greatamericaninsurancegroup.com/

342/494


American Freedom 10-ST











$750,000.00


$500,000.00


$750,000.00


$500,000.00




Base Rate 1.40%

First Year 2.40%

Min. Adj. Acct Value will never be less than the Purchase Payment + int. credited at the guar. min. int. rate, but will never be more than the

initial Purchase Payment + the curr. int. rate, with MVA.

10.00% of Previous Anniversary's Accumulated Value available after 1 Year (10.00% cumulative maximum)


Terms Cost


Terminal Illness Waiver - Terminal Illness Waiver (25.00% access ) None


(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM,




information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


343/494



344/494

American Freedom Classic 10 (MA, NJ, PA)

Important! 5.00% First Year Bonus Interest!











$750,000.00


$750,000.00


$500,000.00


1 8.65% 2.00%

2 3.65% 2.00%

2.00%




Terms Cost




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: MA, NJ, PA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates



345/494

American Freedom Classic 10

Important! 5.00% First Year Bonus Interest!











$750,000.00


$750,000.00


$500,000.00


1 8.65% 2.00%

2 3.65% 2.00%

2.00%




Terms Cost




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV,

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



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates


346/494


347/494


American Freedom ST-10 (MA)











$750,000.00


$500,000.00


$750,000.00


$500,000.00




Base Rate 1.40%

First Year 2.40%





Terms Cost




(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: , AK, MA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates


348/494



349/494

Long-Term Care Annuity

Important! 1.50% First Year Premium Bonus. Long Term Care Rider (not available in OR or TX)










$273,750.00


$273,750.00


1 4.75% 2.00%

2 3.25% 2.00%

2.00%




(Ages 40-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)






Approved in: AK, AL, AR, AZ, CA, DC, DE, GA, IA, ID, IL, IN, LA, MI, MO, MS, MT, NE, NH, NM, NV, OH, OK, OR, RI, SC, TN, TX, VT, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee

Fixed Rates



350/494

Secure American (OR)

BONUS: 1.00% of the amount annuitized for each completed contract yr, up to 10.00%

















$750,000.00


$500,000.00


$750,000.00


$500,000.00




SV*

1.60%




Terms Cost




(Ages 0-88) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)


Chargebacks

Surrender Charges

Death Benefit


Annuitization

Minimum Guarantee

Important!


351/494






Approved in: , OR



information.

AV is used to calculate annuity benefit payments for annuitization periods of at least seven years or life. Upon death of owner, the death

benefit will equal the AV.

Net SV is available for withdrawals, full surrenders and annuitizations less than seven years.


Disclaimers

State Approvals


352/494


Secure American

BONUS: 1.00% of the amount annuitized for each completed contract yr, up to 10.00%

















$750,000.00


$500,000.00


$750,000.00


$500,000.00




AV*

1.55%

SV*

1.55%




Terms Cost




(Ages 0-88) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)


Chargebacks

Surrender Charges

Death Benefit


Annuitization

Minimum Guarantee

Important!


353/494






Approved in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NM, OH, OK, RI, SC,

SD, TN, TX, VA, VT, WI, WV, WY



information.

AV is used to calculate annuity benefit payments for annuitization periods of at least seven years or life. Upon death of owner, the death

benefit will equal the AV.

Net SV is available for withdrawals, full surrenders and annuitizations less than seven years.


Disclaimers

State Approvals


Guaranty Income Life Insurance Company (B++)

354/494


Terms Cost

Penalty-Free Withdrawal 10.00% of Premium paid available after 1 Year


Surrender Charges (Ages 0-85) 8.00-7.00-6.00-5.00-0% (4 years)


AnnuiCare 4

MVA applies









$600,000.00


$600,000.00

Year Guaranteed

1 -4 2.55%

Waiver of Premium - Premiums are waived on a month-to-month basis after 180 consecutive days of benefits are payable for Nursing

Home Care or Assisted Living Facility Care. Waiver of premium ends when no benefit for these services is payable for 30 consecutive

days. (after 180-Day Confinement )

None

Long-Term Care Benefits Rider (LTC-2) - Provides up to 3 times the annuity Accumulation Value (AV) for qualified long term care

expenses! Rider pays for benefit to cover Qualified Long-Term Care Services for: Home Health Care, Care Planning, Caregiver Training,

Homemaker Services, Hospice Services, Maintenance or Personal Care Services, Respite Care, Assisted Living Care, Alternate Care

Services, Nursing Home Care, Adult Day Care (50% of daily maximum). (available after 90 days)

Underwriting: No Para-meds or Medical Records ordered/Ages 0-69 Telephone Interview - Ages 70-85 Face-to-Face Interview/Most

Decisions within 3 Business Days of Interview.

Maximum Daily Benefit: Annuity Value divided by 730 days (2 years).

LTC Benefit Period: A minimum of six years - the Daily Maximum Benefit and depletion of the bucket of funds determines the benefit

period.

None






information.


State Approvals Approved in: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY


Disclaimers

Fixed Rates

Issue Ages

Commissions

Important!



355/494

Annuicare 5

A guaranteed tax-deferred annuity combined with Tax Qualified Long-Term Care insurance (LTCi) riders.

Surrender Penalties apply to deposit only!

Commissions Type

Ages Commission


(0-79) 2.000%


(80-85) 1.000%



Maximum

Initial Qualified

$50,000.00


$36,500.00

Initial Qualified

$600,000.00


$600,000.00


1 -1

2.75%




Terms Cost

Waiver of Premium - Premiums are waived on a month-to-month basis after 180 consecutive days of benefits are payable for Nursing None Home Care or Assisted Living Facility Care. Waiver of premium ends when no benefit for these services is payable for 30 consecutive


Long-Term Care Benefits Rider (LTC-2) - Provides up to 3 times the annuity Accumulation Value (AV) for qualified long term care None expenses! Rider pays for benefit to cover Qualified Long-Term Care Services for: Home Health Care, Care Planning, Caregiver Training,







period.




100% chargeback months 1-6 100% chargeback months 1-6


State Approvals Approved in: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY



information.


Disclaimers

Important!


356/494





information.


357/494

AnnuiCare 6

MVA applies








$600,000.00


$600,000.00

Year Guaranteed

1 -6 2.65%

10.00% of Premium paid available after 1 Year


Terms Cost









period.

None




None


(Ages 0-85) 8.00-7.00-7.00-6.00-5.00-4.00-0% (6 years)





Approved in: AL, AR, AZ, CA, CO, GA, IA, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, WA, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions

Important!





information.


358/494

AnnuiCare 6 (FL, IL, UT)

MVA applies








$600,000.00


$600,000.00

Year Guaranteed

1 -6 2.65%



Terms Cost









period.

None




None


(Ages 0-85) 8.00-7.00-6.50-6.00-5.00-4.00-0% (6 years)





Approved in: FL, IL, UT State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions

Important!



359/494

Annuicare 7



Commissions Type

Ages Commission


(0-74) 4.500%


(75-85) 2.500%





Initial Qualified

$600,000.00


$600,000.00


1 -1

2.90%



Terms Cost









period.

None




None


(Ages 0-85) 8.00-7.00-6.00-5.00-5.00-4.00-3.00-0% (7 years)





Approved in: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Important!


360/494





information.


361/494

AnnuiCare 8

MVA applies








$600,000.00


$600,000.00

Year Guaranteed

1 -8 2.70%



Terms Cost









period.

None




None


(Ages 0-79) 8.00-7.00-7.00-6.00-5.00-4.00-3.00-2.00-0% (8 years)





Approved in: AL, AR, AZ, CA, CO, GA, IA, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, WA, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions

Important!





information.


362/494

AnnuiCare 8 (FL, IL, UT)

MVA applies








$600,000.00


$600,000.00

Year Guaranteed

1 -8 2.70%



Terms Cost









period.

None




None


(Ages 0-79) 8.00-7.00-6.50-6.00-5.00-4.00-3.00-2.00-0% (8 years)





Approved in: FL, IL, UT State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions

Important!



363/494

Annuicare 10











$600,000.00


$600,000.00

Year Interest Rate

1 -1 3.00%



Terms Cost




None









period.

None


(Ages 0-79) 9.00-8.00-7.00-6.00-5.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)





Approved in: AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TN, TX, UT, WA, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions

Important!


364/494


365/494


Terms Cost






Annuicare 10 (IA)











$600,000.00


$600,000.00

Year Interest Rate

1 -1 3.00%




None









period.

None






information.


State Approvals Approved in: , IA


Disclaimers

Fixed Rates

Issue Ages

Commissions

Important!


366/494



367/494

FlexPlus 5









$600,000.00


$600,000.00


Fixed Rate 1 -5 2.75%



Terms Cost

Nursing Care Facility Benefit - After one year, if you require Nursing Home confinement, you can withdraw up to 25% of your

premium and all interest annually.

None

Enhanced Bonus Care 10 Benefit -

After four years, if you are unable to perform two of six Activities of Daily Living, you can elect an enhanced annuitization to

help pay for long-term care expenses.

After ten years, if you are unable to perform two of six Activities of Daily Living and elect enhanced annuitization, you will

automatically be credited a 10% bonus of your Accumulation Value.

None

Terminal Illness - After one year, if you should be diagnosed with a terminal illness, you can withdraw up to 75% of your premium and

all interest penalty free. (available after 1 Year)

None


(Ages 0-79) 8.00-7.00-6.00-5.00-4.00-0% (5 years)





Approved in: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TX, UT, WA, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions



368/494

FlexPlus 5 (CA, TN)









$600,000.00


$600,000.00





Terms Cost



None


(Ages 0-79) 8.00-7.00-6.00-5.00-4.00-0% (5 years)







information.


State Approvals Approved in: CA, TN

Disclaimers

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions



369/494

FlexPlus 7









$600,000.00


$600,000.00





Terms Cost






None



None



None






State Approvals Approved in: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TX, UT, WA, WY



information.


Disclaimers




Fixed Rates

Issue Ages

Commissions



370/494

FlexPlus 7 (CA, TN)









$600,000.00


$600,000.00





Terms Cost



None


(Ages 0-79) 8.00-7.00-6.00-5.00-5.00-4.00-3.00-0% (7 years)







information.



Disclaimers

Chargebacks

Surrender Charges

Death Benefit




Fixed Rates

Issue Ages

Commissions



371/494

FlexPlus 10








(0-79)

$5,000.00

Initial Qualified

(0-79)

$600,000.00


(0-79)

$600,000.00


Interest Rate

Fixed Rate

1 -10

3.00%

Minimum Guarantee 100% of premiums and interest earned.



Terms Cost



None






None



None


(Ages 0-79) 9.00-8.00-7.00-6.00-5.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)





Approved in: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, SC, TX, UT, WA, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions



372/494

FlexPlus 10 (CA, TN)








(0-79)

$5,000.00

Initial Qualified

(0-79)

$600,000.00


(0-79)

$600,000.00


Interest Rate

Fixed Rate

1 -10

3.00%




Terms Cost



None


(Ages 0-79) 9.00-8.00-7.00-6.00-5.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)







information.



Disclaimers

Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions


373/494


FlexPlus 10 (IA)








(0-79)

$5,000.00

Initial Qualified

(0-79)

$600,000.00


(0-79)

$600,000.00


Interest Rate

Fixed Rate

1 -10

3.00%




Terms Cost



None






None



None


(Ages 0-79) 8.00-7.00-6.00-6.00-5.00-4.00-3.00-2.00-1.00-.00-0% (10 years)





Approved in: IA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Issue Ages

Commissions




information.

Policy automatically annuitizeds at age 92.

*For qualified funds only. Owner must be 65 or older at time of purchase. Call for details.


374/494

Industrial Alliance American (A)

Select Plus 5 (CA, PA)

Important! Premium Bonus! 100% liquid in just 5 years!*












Fixed Rates Guaranteed

1.00%

Minimum Guarantee 101.3% miniumum surrender value after 24 months.



Terms Cost

Waiver of Early Withdrawal Charge Endorsement - Available only for 403(b), 457 and Traditional IRAs. â€¢ Early withdrawal charges

are waived. (100.00% access from issue age 65)

None

TEFRA 403(b) and 457 Plan Loans (50.00% access available after 30 Days) None



(Ages 59-80) 8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (8 years)


Pro-rata Chargeback of 1/12 per month in 1st year No chargeback for surrender

State Approvals Approved in: , CA, PA


Annuitization



https://www.iaamerican-waco.com/




information.




375/494

Select Plus 5 (TX)


Commissions Type

Ages Commission


(0-58) 7.500%


(59-64) 5.000%


(65-80) 2.500%



Premium Limits Permium Age

Minimum Maximum


$10,000.00


$25,000.00


$1,000,000.00


$1,000,000.00


1.00%




Terms Cost



None




(Ages 59-80) 8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (8 years)





Annuitization






information.




376/494

Select Plus 5


Commissions Type

Ages Commission


(0-58) 7.500%


(59-64) 5.000%


(65-80) 2.500%



Premium Limits Permium Age

Minimum Maximum


$10,000.00


$25,000.00


$1,000,000.00


$1,000,000.00


1.00%




Terms Cost



None



(Ages 0-80) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)



Approved in: AK, AL, AR, AZ, CO, DC, DE, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SD,

TN, UT, VA, VT, WA, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



377/494

Liberty Bankers Life Insurance Company (B++)

Bankers Accumulator (OK)

Important! 100% liquid; must maintain $10,000 Minimum Account Value







Initial Q & NQ $500,000.00


First Year 1.65%




Approved in: , OK



information.


Disclaimers

State Approvals

Chargebacks

Death Benefit


https://www.libertybankerslife.com/


378/494

Bankers Accumulator

Important! 100% liquid; must maintain $10,000 Minimum Account Value

Commissions Type

Ages Commission


(0-80) .400%


(81-100) .320%



Maximum


Initial Q & NQ

$500,000.00


First Year 1.65%




Approved in: AR, AZ, CO, CT, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, NC, NE, NH, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, UT, VA,

VT, WA, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Death Benefit



379/494


Terms Cost




State Approvals Approved in: AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NJ, NM, NV, OH, RI, SC, SD, TN, TX,

UT, VA, VT, WA, WI, WV

Liberty Choice







Initial Q & NQ

$500,000.00

Subsequent Q & NQ $100.00

Fixed Rates Strategy Year Interest Rate Minimum Guaranteed

1 -1 3.00%

Base Rate 2.00% 1.00%

Nursing Home Benefit (50.00% access after 90-Day Confinement available after 1 Year) None

Disability Benefit - Available only on Non-Qualified Policies (50.00% access after 90-Day Disabled available after 1 Year) None




information.


Disclaimers

Issue Ages

Commissions



380/494


Terms Cost




State Approvals Approved in: , OK

Liberty Choice (OK)







Initial Q & NQ

$500,000.00



1 -1 3.00%

Base Rate 2.00% 1.00%






information.


Disclaimers

Issue Ages

Commissions



381/494

Liberty Select







Initial Q & NQ

$500,000.00



1 -1 3.65%

Base Rate 2.15% 1.50%

Terms Cost




(Ages 0-55) 12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (7 years)

(Ages 56-85) 8.00-7.00-6.00-5.00-4.00-3.00-2.00-0% (7 years)



Approved in: AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, RI, SC, SD, TN,

TX, UT, VA, VT, WA, WI, WV



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Issue Ages

Commissions


382/494

National Western Life Insurance Company (A)

Accumulator Five





Non-Qualified Money and Roth $25k (76-85) 2.250%










1st Year Additional Interest 5.00%

1st Year Rate 2.55%

1st Year Yield 7.55%

Minimum Guarantee Never less than 1.00% and never more than 3.00%.

Penalty-Free Withdrawal 10.00% of Accumulated Value available after 1 Day (30.00% cumulative maximum)


Annuitization 1-10 annuitize CSV, 11 annuitize Accumulated Value


Terms Cost

Policy Loan - NQ Contracts only - up to 60% of the contract value. None

Loan rate 7.4% in advance. (available after 30 Days)

Accidental Death Benefit (100.00% access ) None




If Ages 70-85, 100% chargeback in the first year When surrender fees apply, no chargeback of commissions

Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MS, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY



information.

Disclaimers

State Approvals


https://www.nationalwesternlife.com/

383/494

Maximum Owner Age is 85 years old.



384/494


Accumulator Five (MD, NV, SC, TX, UT)


Commissions Type

Ages Commission


(0-65) 4.000%


(66-75) 3.000%

Non-Qualified Money and Roth $25k

(76-85) 1.000%



Maximum




$500,000.00


$500,000.00




1st Year Additional Interest

5.00%

1st Year Rate

2.55%

1st Year Yield

7.55%






Terms

Cost

Policy Loan - NQ Contracts only - up to 60% of the contract value. None Loan rate 7.4% in advance. (available after 30 Days)

Accidental Death Benefit (100.00% access )

None





Approved in: , MD, NV, OH, SC, TX, UT



information.

Disclaimers

State Approvals


385/494

Maximum Owner Age is 85 years old.






information.


386/494

Benefit Assurance (CA)

Important! First Year Premium Bonus (4% Bonus for premium added during years 2-5)

Commissions Type

Ages Commission

Qualified Money

(0-56) 8.000%


(0-56) 8.000%




Maximum




$500,000.00


$500,000.00


1

1.65%

Never less than 1.00% and never more than 3.00%. See contract for details.




Terms Cost

Policy Loan - up to 60% of the contract value earning fixed rate.

(100% Fixed Option Only) Loan rate 7.4% in advance. (available after 30 Days)

None

Medical Stay Waiver (75.00% access after 90-Day Confinement available after 180 Days to issue age 75) None



(Ages 0-56) 16.00-16.00-15.75-15.00-14.00-13.25-12.50-11.50-10.75-10.00-8.00-6.00-4.00-2.00-0% (14 years)




When surrender fees apply, no chargeback of commissions

Approved in: CA State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee





information.


387/494

Benefit Assurance (OH)

First Year Premium Bonus (4% Bonus for premium added during years 2-5)











Year Interest Rate

1 1.65%





Terms Cost



None




(Ages 0-55) 16.00-16.00-15.75-15.00-14.00-13.25-12.50-11.50-10.75-10.00-8.00-6.00-4.00-2.00-0% (14 years)





Approved in: , OH State Approvals

Chargebacks Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!



388/494

Benefit Assurance (TX)


Commissions Type

Ages Commission

Qualified Money

(0-56) 5.750%


(0-56) 5.750%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost

Policy Loan 100% - Up to 100% of the contract surrender value after premiums have been paid three full years earning fixed rate. Loan

rate 7.4% in advance. (available after 30 Days)

None



(Ages 0-56) 11.75-11.00-10.00-9.25-8.25-7.50-6.50-5.75-4.75-3.75-3.00-2.25-1.50-.75-0% (14 years)





Approved in: , TX



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



389/494

Benefit Assurance


Commissions Type

Ages Commission

Qualified Money

(0-70) 8.000%

Qualified Money

(71-75) 5.500%

Qualified Money

(76-80) 3.500%

Qualified Money

(81-85) .500%


(0-75) 8.000%


(76-80) 6.000%


(81-85) 3.500%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None




(Ages 0-85) 16.00-16.00-15.75-15.00-14.00-13.25-12.50-11.50-10.75-10.00-8.00-6.00-4.00-2.00-0% (14 years)





Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


390/494

State Approvals Approved in: AR, AZ, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY



information.


Disclaimers



391/494

Future Assurance (CA)

Important! First Year Bonus (4.75% Bonus for premium added during years 2-5)

Commissions Type

Ages Commission

Qualified Money

(0-55) 5.000%


(0-55) 5.000%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None


(Ages 0-55) 19.25-18.50-17.75-16.75-16.00-15.25-14.50-13.50-12.75-12.00-10.00-8.00-6.00-4.00-2.00-0% (15 years)





Approved in: CA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



392/494

Future Assurance (DE, IL, IN, UT)

Important! First Year Bonus (Additional Bonus for premium added during years 2-5)

Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.500%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.70%





Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , DE, IL, IN, UT



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


393/494


394/494


Future Assurance (LA)


Commissions Type

Ages Commission

Qualified Money

(0-70) 6.000%

Qualified Money

(71-75) 2.000%

Qualified Money

(76-80) .500%


(0-75) 6.000%


(76-80) 4.000%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None


(Ages 0-80) 19.25-18.50-17.75-16.75-16.00-15.25-14.50-13.50-12.75-12.00-10.00-8.00-6.00-4.00-2.00-0% (15 years)





Approved in: , LA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


395/494


396/494


Future Assurance (MA, PA)


Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.500%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.70%





Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , MA, PA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


397/494


398/494


Future Assurance (MN)


Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.500%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.70%





Terms Cost



None


(Ages 0-80) 8.25-7.25-6.50-5.50-4.50-3.75-2.75-1.75-.75-0% (9 years)





Approved in: , MN



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


399/494


400/494


Future Assurance (NJ)


Commissions Type

Ages Commission

Qualified Money

(60-70) 5.000%

Qualified Money

(71-75) 1.500%

Qualified Money

(76-80) .500%


(60-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.70%





Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , NJ



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


401/494





information.


402/494

Future Assurance (OH)

First Year Bonus (4.75% Bonus for premium added during years 2-5)











Year Interest Rate

1 1.65%





Terms Cost



None


(Ages 0-54) 19.25-18.50-17.75-16.75-16.00-15.25-14.50-13.50-12.75-12.00-10.00-8.00-6.00-4.00-2.00-0% (15 years)





Approved in: , OH State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!





information.


403/494

Future Assurance (TX)


Commissions Type

Ages Commission

Qualified Money

(0-55) 2.250%


(0-55) 2.250%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None


(Ages 0-55) 12.50-11.75-10.75-10.00-9.00-8.25-7.25-6.25-5.50-4.50-3.75-3.00-2.25-1.50-.75-0% (15 years)






Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee



404/494

Future Assurance (VA, VT)


Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.000%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None


(Ages 0-80) 19.25-18.50-17.75-16.75-16.00-15.25-14.50-13.50-12.75-12.00-10.00-8.00-6.00-4.00-2.00-0% (15 years)





Approved in: VA, VT



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


405/494


406/494


Future Assurance (WA)


Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.500%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.70%





Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , WA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


407/494


408/494


Future Assurance


Commissions Type

Ages Commission

Qualified Money

(0-70) 5.000%

Qualified Money

(71-75) 1.000%

Qualified Money

(76-80) .500%


(0-75) 5.000%


(76-80) 3.000%




Maximum




$500,000.00


$500,000.00


1

1.65%





Terms Cost



None


(Ages 0-80) 19.25-18.50-17.75-16.75-16.00-15.25-14.50-13.50-12.75-12.00-10.00-8.00-6.00-4.00-2.00-0% (15 years)





Approved in: AR, AZ, CO, DC, GA, HI, IA, ID, KS, KY, MD, ME, MI, MO, NC, ND, NE, NH, NM, OK, RI, SD, TN, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


409/494


410/494


Income Protector


Year 1 (0-65) 8.000%

Year 1 (66-70) 7.500%

Year 1 (71-75) 6.500%

Year 1 (76-80) 5.000%

Year 1 (81-85) 3.000%

Year 1 (86-90) .750%

Years 2-5 (0-85) 1.000%

Years 2-5 (86-90) .000%



Policy Loan - NQ Contracts only - up to 60% of the contract value.


None


Terminal Illness Rider - Terminal Illness Rider (100.00% access after 1-Year Diagnosis ) None

Income Protector Withdrawal Benefit Rider (4.00% Compound Interest) - Provides Guaranteed Withdrawal Payments for life

beginning at age 60. Withdrawal Charges do not apply to the Withdrawal Payments. (Available after 1 year)

Alternate Death Benefit - Lump sum of 75% of Withdrawal Payment Base at time of death or equal periodic payments of 100%

Withdrawal Payment Base paid out in periodic installments over the Death Benefit Payout period.

None

Full Account Value

Death Benefit




$500,000.00


$500,000.00




Interest Rate


.50%

1st Year Rate

2.30%

1st Year Yield

2.80%


Penalty-Free Withdrawal 10.00% of Account Value available after 1 Year


Annuitization Can be annuitized after 10th year for a minimum of 5 years


Terms

Cost


411/494



100% chargeback in the first year When surrender fees apply, no chargeback of commissions

Approved in: AL, AR, AZ, CO, DC, GA, ID, IL, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, RI, SD, TN, VA, VT, WI, WV, WY State Approvals

Chargebacks


412/494


Income Protector


Year 1 (0-65) 6.500%

Year 1 (66-70) 6.000%

Year 1 (71-75) 5.000%

Year 1 (76-80) 4.000%

Year 1 (81-85) 2.000%

Year 1 (86-90) .750%

Years 2-5 (0-85) 1.000%

Years 2-5 (86-90) .000%



Policy Loan - NQ Contracts only - up to 60% of the contract value.


None


Terminal Illness Rider - Terminal Illness Rider (100.00% access after 1-Year Diagnosis ) None

Income Protector Withdrawal Benefit Rider (4.00% Compound Interest) - Provides Guaranteed Withdrawal Payments for life

beginning at age 60. Withdrawal Charges do not apply to the Withdrawal Payments. (Available after 1 year)

Alternate Death Benefit - Lump sum of 75% of Withdrawal Payment Base at time of death or equal periodic payments of 100%

Withdrawal Payment Base paid out in periodic installments over the Death Benefit Payout period.

None

Full Account Value

Death Benefit




$500,000.00


$500,000.00




Interest Rate


.50%

1st Year Rate

2.30%

1st Year Yield

2.80%


Penalty-Free Withdrawal 10.00% of Account Value available after 1 Year


Annuitization Can be annuitized after 10th year for a minimum of 5 years


Terms

Cost


413/494



100% chargeback in the first year When surrender fees apply, no chargeback of commissions

Approved in: , AK, CT, DE, FL, HI, IA, IN, MA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA State Approvals

Chargebacks





information.


414/494

Prevail 7


Commissions Type

Ages Commission


(0-60) 4.000%


(61-75) 3.500%


(76-85) .500%






$500,000.00


$500,000.00





1st Year Rate 2.55%



Penalty-Free Withdrawal 10.00% of Accumulated Value available after 1 Day

Annuitization At Full Accumulation Account on 17th anniversary, for a minimum of 5 years.


Terms Cost

Policy Loan - up to 60% of the contract value earning fixed rate. None (100% Fixed Option Only) Loan rate 7.4% in advance. (available after 30 Days)






State Approvals Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MS, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY





information.


415/494

Prevail 7 (MD, NV, OH, SC, TX)


Commissions Type

Ages Commission


(0-60) 2.500%


(61-75) 2.000%


(76-85) .500%






$500,000.00


$500,000.00





1st Year Rate 2.55%



Penalty-Free Withdrawal 10.00% of Accumulated Value available after 1 Day

Annuitization At Full Accumulation Account on 17th anniversary, for a minimum of 5 years.


Terms Cost

Policy Loan - up to 60% of the contract value earning fixed rate. None (100% Fixed Option Only) Loan rate 7.4% in advance. (available after 30 Days)






State Approvals Approved in: , MD, NV, OH, SC, TX



416/494

Protector One

Important! MVA applies.

Commissions Type

Ages Commission


(0-65) 8.500%


(66-75) 7.000%


(76-85) 4.750%



Maximum




$500,000.00


$500,000.00





1.00%

1st Year Rate

2.55%

1st Year Yield

3.55%





Terms

Cost


Terminal Illness Rider - Terminal Illness Rider (100.00% access after 1-Year Diagnosis )

None





Approved in: AL, AR, AZ, CO, DC, GA, HI, IA, ID, IL, KS, KY, LA, ME, MI, MS, NC, ND, NE, NH, NM, OK, RI, SD, TN, VA, VT, WI, WV, WY



information.

Owner age 0-85 NQ/Q

^Florida law defines an 'Accredited Investor' as any person who comes within any of the following categories at the time of the sale of an

annuity to that person: 1. The persons net worth or joint net worth with his or her spouse, at the time of the purchase, exceeds $1 million;

Disclaimers

State Approvals


417/494

or 2. The person had an individual income in excess of $200,000 in each of the 2 most recent years, or joint income with his or her spouse

in excess of $300,000 in each of those years, and has a reasonable expectation of reaching the same income level in the current year.



418/494


Protector One (CT, MD, NV, OH, SC, TX, UT)

Important! MVA applies.

Commissions Type

Ages Commission


(0-65) 7.000%


(66-75) 6.000%


(76-85) 3.500%



Maximum




$500,000.00


$500,000.00





1.00%

1st Year Rate

2.55%

1st Year Yield

3.55%





Terms

Cost



None


Surrender Charges (Ages 0-85) 9.00-8.50-7.50-6.50-5.75-4.75-3.75-2.75-1.75-.75-0% (10 years)



Approved in: CT, MD, NV, OH, SC, TX, UT



information.

Owner age 0-85 NQ/Q



Disclaimers

State Approvals


419/494





420/494


Protector One (FL)

Important! Ages 65+ Require client to be accredited investor

Commissions Type

Ages Commission


(0-65) 8.500%


(66-75) 7.000%


(76-85) 4.750%



Maximum




$500,000.00


$500,000.00





1.00%

1st Year Rate

2.55%

1st Year Yield

3.55%





Terms

Cost



None





Approved in: , FL



information.

Owner age 0-85 NQ/Q



Disclaimers

State Approvals


421/494





422/494


Value Assurance (FL)

Ages 65+ Require client to be a accredited investor^ Download Form




Qualified Money (76-80) .500%








Initial Qualified

$500,000.00


$500,000.00





Can be annuitized after 1st year for a minimum of 14 years or after the second year for a minimum of 7 years or after the 3rd year for a

minimum of 5 years.

Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , FL



information.






Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Fixed Rates

Important!


423/494



424/494

Value Assurance (LA)












Initial Qualified

$500,000.00


$500,000.00






Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: , LA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Fixed Rates



425/494

Value Assurance












Initial Qualified

$500,000.00


$500,000.00






Terms Cost



None


(Ages 0-80) 9.25-8.25-7.25-6.25-5.00-4.00-3.00-2.00-1.00-0% (9 years)





Approved in: AL, AR, AZ, CA, CO, CT, DC, GA, HI, IA, ID, KS, KY, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX,

VA, VT, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Fixed Rates


426/494

North American Company for Life and Health Insurance (A+)

Boomer (CA)

Important! 5% Premium Bonus on all payments received in the first five contract years.

Annuitization Bonus 2% years 8 through 10 or 5% years 11 and beyond!














1 1.50%

Never less than the minimum requirements set forth by state laws at the time of issue in the state where the contract is delivered.


2% annuitization bonus years 8-10, 5% annuitization bonus years 11 without surrender charges.

Can be annutized for Life after 1 year or a minimum period of ten years after the fifth contract year.

All surrender charges are waived at the death of the owner or annuitant

(Ages 0-80) 15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: , CA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


https://www.northamericancompany.com/


427/494

Boomer

Important! 5% Premium Bonus on all payments received in the first five contract years.

Annuitization Bonus 2% years 8 through 10 or 5% years 11 and beyond!










$3,000,000.00


$3,000,000.00




1 1.60%



2% annuitization bonus years 8-10, 5% annuitization bonus years 11 without surrender charges.

Can be annutized for Life after 1 year or a minimum period of ten years after the fifth contract year.

All surrender charges are waived at the death of the owner or annuitant

(Ages 0-80) 15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, RI, SC, SD, TN, VA, VT, WI,

WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee



428/494

Charter Plus II 10 (High Band)

MVA applies

Upfront premium bonus is credited to your accumulation value upon issue and is applied to the accumulation value when additional

premiums are received during the first seven years.


Trail options available. See schedule for details. (0-75) 7.000%



5.00% for issue ages (0 - 79)



Initial Q & NQ $3,000,000.00

Indexing Methods Strategy Fee Cap Par Rate

S&P 500 Annual Reset Point to Point 2.60%

S&P 500 Annual Reset Point to Point

25.00%

S&P 500 Annual Reset Daily Average 3.60%

S&P 500 Annual Reset Monthly Point to Point

1.35%

Nasdaq-100 Annual Reset Monthly Point to Point

1.30%

S&P 500 Dividend Daily Risk Control 5% Annual Reset Point to Point 3.35%

S&P 500 Dividend Daily Risk Control 8% 2 Year Reset Point to Point 4.25%


Fixed Rate 1.55%

Will not be less than 87.5% of all premiums; less any partial surrenders (after reductions for surrender charges and premium bonus recapture);

accumulated at 1.00%


Can be annuitized after the first year for life or after the fifth year for a minimum of 5 years

Terms Cost

Nursing Home Confinement Waiver - After 90 consecutive days of confinement (100.00% access available after 1 Year) None


(Ages 0-79) 9.00-8.50-7.50-6.50-5.50-4.50-3.50-3.00-2.00-1.00-0% (10 years)

(Ages 0-79) 90.00-85.00-80.00-70.00-60.00-50.00-40.00-30.00-20.00-10.00-






Chargebacks

Bonus Recapture

Surrender Charges Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


429/494

Approved in: AK, MN, MO, OR, PA, UT, VA, WA



information.

"Standard & Poor's®", "S&P®", "S&P 500®", "S&P 400®", "Standard & Poor's 500®" and "500" are trademarks of The McGraw-Hill

Companies, Inc. and have been licensed for certain purposes. The product is not sponsored, endorsed, sold or promoted by Standard &

Poor's®. Standard & Poor's® makes no representation regarding the advisability of purchasing this product.

"Nasdaq®","Nasdaq-100®",& "Nasdaq-100 Index®" ,are trademarks of The Nasdaq Stock Market, Inc. (which with its affiliates are

referred to as the Corporations) and are licensed for certain purposes. The product has not been passed on by the Corporations as to its

legality or suitability. This annuity is not issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO

WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THIS ANNUITY.


Disclaimers

State Approvals


430/494


Charter Plus II 10 (Low Band)

MVA applies

Upfront premium bonus is credited to your accumulation value upon issue and is applied to the accumulation value when additional

premiums are received during the first seven years.





5.00% for issue ages (0 - 79)




Indexing Methods Strategy Fee Cap Par Rate

S&P 500 Annual Reset Point to Point 2.60%

S&P 500 Annual Reset Point to Point

25.00%

S&P 500 Annual Reset Daily Average 3.60%

S&P 500 Annual Reset Monthly Point to Point

1.35%

Nasdaq-100 Annual Reset Monthly Point to Point

1.30%

S&P 500 Dividend Daily Risk Control 5% Annual Reset Point to Point 3.35%

S&P 500 Dividend Daily Risk Control 8% 2 Year Reset Point to Point 4.25%


Fixed Rate 1.55%

Will not be less than 87.5% of all premiums; less any partial surrenders (after reductions for surrender charges and premium bonus recapture);

accumulated at 1.00%



Terms Cost



(Ages 0-79) 9.00-8.50-7.50-6.50-5.50-4.50-3.50-3.00-2.00-1.00-0% (10 years)

(Ages 0-79) 90.00-85.00-80.00-70.00-60.00-50.00-40.00-30.00-20.00-10.00-






Chargebacks

Bonus Recapture

Surrender Charges Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!


431/494

Approved in: AK, MN, MO, OR, PA, UT, VA, WA



information.




"Nasdaq®","Nasdaq-100®",& "Nasdaq-100 Index®" ,are trademarks of The Nasdaq Stock Market, Inc. (which with its affiliates are

referred to as the Corporations) and are licensed for certain purposes. The product has not been passed on by the Corporations as to its

legality or suitability. This annuity is not issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO

WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THIS ANNUITY.


Disclaimers

State Approvals


432/494


Director (MO,VA)

Important! 3% additonal first year interest!

5 year guaranteed rate!

Commissions Type

Ages Commission


(0-80) 4.500%


(81-85) 3.120%


Premium Limits Permium

Age Minimum Maximum

Initial Qualified

(0-85) $2,000.00


(0-85) $10,000.00

Initial Qualified

(0-85)

$1,000,000.00


(0-85)

$1,000,000.00

Subsequent Qualified

(0-85) $100.00

Subsequent Non-Qualified

(0-85) $250.00


1

4.50%

2 -5

1.50%





Terms Cost

Nursing Home Confinement Waiver (Not available in MA) - After 90 consecutive days of confinement, the penalty free withdrawal will

increase by 10% of the Accumulation Value each year while annuitant is confined. (available after 1 Year to issue age 75)

None

Terminal Illness Rider - (not available in MA, TX) (50.00% access after 1-Year Diagnosis available after 1 Year to issue age 75) None

Unemployment Rider - (not available in CA, MA, MD, MN, MT, NH, TX, UT, WA) (10.00% access after 90-Day Unemployed to issue age

65)

None


(Ages 0-85) 12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (9 years)






Approved in: , MO, VA



information.

Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


433/494



434/494


Director (TX)



Commissions Type

Ages Commission


(0-80) 4.500%


(81-85) 3.120%



Age Minimum Maximum

Initial Qualified

(0-85) $2,000.00


(0-85) $10,000.00

Initial Qualified

(0-85)

$1,000,000.00


(0-85)

$1,000,000.00


(0-85) $100.00


(0-85) $250.00


1

5.00%

2 -5

2.00%

Minimum Guarantee Never less than the minimum requirements set forth by state laws at the time of issue in the state where the contract is delivered.

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Accumulated Value available after 1 Year


Annuitization Can be annuitized after the first year for life or after the fifth year for a minimum of 5 years


Terms Cost

Nursing Home Confinement Waiver (Not available in MA) - After 90 consecutive days of confinement, the penalty free withdrawal will None increase by 10% of the Accumulation Value each year while annuitant is confined. (available after 1 Year to issue age 75)


Unemployment Rider - (not available in CA, MA, MD, MN, MT, NH, TX, UT, WA) (10.00% access after 90-Day Unemployed to issue age None 65)









information.

Disclaimers


435/494



436/494


Director



Commissions Type

Ages Commission


(0-80) 5.500%


(81-85) 4.120%



Age Minimum Maximum

Initial Qualified

(0-85) $2,000.00


(0-85) $10,000.00

Initial Qualified

(0-85)

$1,000,000.00


(0-85)

$1,000,000.00


(0-85) $100.00


(0-85) $250.00


1

4.50%

2 -5

1.50%





Terms Cost

Nursing Home Confinement Waiver (Not available in MA) - After 90 consecutive days of confinement, the penalty free withdrawal

will increase by 10% of the Accumulation Value each year while annuitant is confined. (available after 1 Year to issue age 75)

None


Income Pay Plus Rider with multiplier. (6.00% Compound Interest) - An optional guaranteed lifetime withdrawal benefit (GLWB) rider

through lifetime payment amounts (LPAs), provides a lifetime income stream you cannot outlive as well as nursing home multiplier

(LPA multiplier).

Nursing home multiplier (LPA multiplier), (Not available in IL) Opportunity for double income during confinement to a qualified

nursing facility for a period of 90 consecutive days after the 2nd contract year and you remain confined in future contract years. (LPA

multiplier is available as early as age 50, and it can be accessed for up to five annual payments. Benefit does not have to be utilized

for a consecutive five year period. To qualify, you cannot be confined on the issue date before requesting the nursing home multiplier

benefit. This feature is no longer available when your accumulation value reaches zero. )

1.05%

Unemployment Rider - (not available in CA, MA, MD, MN, MT, NH, TX, UT, WA) (10.00% access after 90-Day Unemployed to issue age

65)

None


(Ages 0-85) 12.00-11.00-10.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (9 years)


Chargebacks

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee


437/494






Approved in: AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, PA, RI, SC, SD, TN, VT, WI,

WV, WY



information.


Disclaimers

State Approvals




information.


438/494


Flex I (MO)

Important! Short 7 year surrender period. First year rate guarantee.










$1,000,000.00


$1,000,000.00



Guaranteed rate will vary based upon the issue date of the contract. Upon issue, this minimum rate will be guaranteed for the entire term of the

contract.



Terms Cost



None


(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (7 years)






Approved in: , MO State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates





information.


439/494

Flex I (WA)











$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (7 years)







Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates



440/494

Flex I











$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-85) 9.00-9.00-8.00-7.00-6.00-4.00-2.00-0% (7 years)






Approved in: AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN,

VA, VT, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates



441/494

Flex II (MO)

Premium Bonus! First year rate guarantee.










$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-79) 15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: , MO



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!



442/494

Flex II











$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-79) 15.00-14.00-13.00-12.00-11.00-10.00-8.00-6.00-4.00-2.00-0% (10 years)






Approved in: AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, PA, RI, SC, SD, TN, VA, VT,

WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!





information.


443/494

Flex III (CA)










$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-65) 18.00-18.00-17.00-15.00-15.00-15.00-15.00-14.00-12.00-10.00-8.00-6.00-4.00-2.00-0% (14 years)







Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!





information.


444/494

Flex III (MO)










$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-75) 18.00-18.00-17.00-15.00-15.00-15.00-15.00-14.00-12.00-10.00-8.00-6.00-4.00-2.00-0% (14 years)






Approved in: , MO State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!



445/494

Flex III










$1,000,000.00


$1,000,000.00




contract.



Terms Cost



None


(Ages 0-75) 18.00-18.00-17.00-15.00-15.00-15.00-15.00-14.00-12.00-10.00-8.00-6.00-4.00-2.00-0% (14 years)






Approved in: AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, PA, RI, SC, SD, TN, VA, VT, WI,

WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Premium Bonus

Issue Ages

Commissions

Important!



FoundationChoice 7

446/494


Additional premium may be added only during the first Contract year.







Initial Q & NQ (0-85) $20,000.00

Initial Q & NQ (0-85) $3,000,000.00


High Band ($200K ) 1.90%

Low Band 1.70%

Never be less than 87.5% of all premiums, less any partial surrenders (after Market Value Adjustment or reduction for surrender charges).

10.00% of Accumulated Value available after 1 Year


Terms Cost



(Ages 0-85) 9.00-8.00-7.00-5.00-3.00-2.00-1.00-0% (7 years)






Approved in: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM,




information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee



447/494

FoundationChoice 10








Initial Q & NQ (0-79) $20,000.00

Initial Q & NQ (0-79) $3,000,000.00


High Band ($200K ) 2.30%

Low Band 2.10%

Never less than 87.5% of all premiums, less any partial surrenders (after Market Value Adjustment or reduction for surrender charges),

accumulated at 1.00%.



Terms Cost



(Ages 0-79) 9.00-8.50-7.50-6.50-5.50-4.50-3.50-3.00-2.00-1.00-0% (10 years)










information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee



448/494

FoundationChoice Plus 7 (CA)

MVA applies.

Market value adjustment is limited to the surrender charge or 0.50% of the accumulation value at the time of surrender.


Commissions Type

Ages Commission

Trail options available. See schedule for details.

(0-75) 4.500%


(76-80) 3.380%


(81-85) 2.250%



Initial Q & NQ (0-85) $20,000.00


$3,000,000.00


Interest Rate

High Band ($200K )

2.50%

Low Band

2.20%

Never be less than 87.5% of all premiums, less any partial surrenders (after Market Value Adjustment or reduction for surrender charges),




Terms Cost


FoundationChoice Plus - Guaranteed Lifetime Withdrawal Benefit Option 2 (5.00% Compound Interest) - Designed to generate

guaranteed lifetime income through the Guaranteed Lifetime Withdrawal Benefit (GLWB) feature with Higher Lifetime Payment

Percentages for an annual Rider charge. This feature ultimately guarantees that a specified amount, the Lifetime Payment Amount,

can be withdrawn each contract year for the life of the annuitant, even if the Accumulation Value and the GLWB Value are both

reduced to zero and provided no excess withdrawals are taken.

.50%


guaranteed lifetime income through the Guaranteed Lifetime Withdrawal Benefit (GLWB) feature with Standard Lifetime Payment

Percentages. This feature ultimately guarantees that a specified amount, the Lifetime Payment Amount, can be withdrawn each

contract year for the life of the annuitant, even if the Accumulation Value and the GLWB Value are both reduced to zero and provided

no excess withdrawals are taken.

None


(Ages 0-85) 8.00-7.50-6.50-5.00-3.00-2.00-1.00-0% (7 years)






Approved in: CA



Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Important!


449/494

information.



450/494


FoundationChoice Plus 7









Initial Q & NQ (0-85) $20,000.00

Initial Q & NQ (0-85) $3,000,000.00


High Band ($200K ) 2.50%

Low Band 2.20%

Never be less than 87.5% of all premiums, less any partial surrenders (after Market Value Adjustment or reduction for surrender charges),




Terms Cost







.50%






None


(Ages 0-85) 9.00-8.00-7.00-5.00-3.00-2.00-1.00-0% (7 years)










information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


451/494


452/494


FoundationChoice Plus 10 (CA)

MVA applies

Market value adjustment is limited to the surrender charge or 0.50% of the accumulation value at the time of surrender.







Initial Q & NQ (0-79) $20,000.00


$3,000,000.00


Interest Rate

High Band ($200K )

2.60%

Low Band

2.30%





Terms Cost







None






.50%


(Ages 0-79) 8.00-7.50-6.50-5.50-4.50-3.50-2.50-3.00-2.00-.44-0% (10 years)






Approved in: CA



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Issue Ages

Commissions

Important!


453/494


454/494


FoundationChoice Plus 10








Initial Q & NQ (0-79) $20,000.00

Initial Q & NQ (0-79) $3,000,000.00


High Band ($200K ) 2.60%

Low Band 2.30%





Terms Cost







None






.50%


(Ages 0-79) 9.00-8.50-7.50-6.50-5.50-4.50-3.50-3.00-2.00-1.00-0% (10 years)










information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


455/494

(A)

Annuity Care

Guaranteed growth of your principal

Access to your money for qualifying long-term (LTC) expenses

Higher credited interest rate applied to funds withdrawn for LTC purposes

Option to purchase lifetime LTC coverage with premiums guaranteed to never increase






Initial Q & NQ (50-85) $10,000.00

Initial Q & NQ (50-85) $300,000.00


Long Term Care funds 1 -5 1.25%

Cash Fund 1.05%


Terms Cost

LTC Benefits - Clients can access LTC fund by qualifying in one of two ways:

Inability to perform two of six activities of daily living

Cognitive impairment

There is a 7 day waiting period before LTC fund withdrawals can begin.

None

Annuity Care Plus Optional Continuation of Benefits (COB) Option - Optional Rider can extend the LTC benefits if the LTC benefit

balance is totally used for qualifying LTC expenses.

None

(Ages 50-85) 8.00-8.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-.00-0% (10 years)


None No chargeback for surrender

Approved in: AK, AL, AR, AZ, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK,

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



information.

Disclaimers

State Approvals

Chargebacks

Surrender Charges



Fixed Rates

Issue Ages

Commissions

Important!




information.


456/494

Reliance Standard Life Insurance Company (A+)

Apollo-MVA

Annuitization Bonus of 4% of annuity value if you begin your payout period at any time after the fifth contract year and you elect a payout

period of 10 or more years.







Initial Q & NQ (0-85) $5,000.00

Initial Q & NQ (0-75) $1,000,000.00

Initial Q & NQ (76-85) $500,000.00


Base Rate 2.05%

1st Year Rate 1 -1 4.05%

10.00% of Premium Paid in the first year and 10% of annuity value after first year with no early withdrawal charges.Can carry over 10% up to a

maximum of 30% of single premium paid if not used during second policy year or any of the following years. A market value adjustment and

surrender charges will apply to any penalty-free withdrawals taken within 12 months of surrender.

Terms Cost

Nursing Care Benefit (25.00% access after 90-Day Confinement available after 1 Year to issue age 74) None


(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)




No chargeback for surrender

Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IN, KS, LA, MA, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI,

SC, SD, TN, VA, WI, WV, WY State Approvals

Chargebacks

Surrender Charges

Death Benefit



Important!


http://www.reliancestandard.com/




information.


457/494

Apollo-MVA (IA, IL, KY)









Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Year

Interest Rate

Base Rate

2.05%

1st Year Rate

1 -1

4.05%


maximum of 30% of single premium paid if not used during second policy year or any of the following years. A market value adjustment and

surrender charges will apply to any penalty-free withdrawals taken within 12 months of surrender.

Terms Cost


Death Benefit Annuity Value paid upon death of owner


(Ages 60-85) 8.00-7.00-6.50-5.50-4.50-3.50-2.00-0% (7 years)


100% chargeback months 1-6 No chargeback for surrender 50% chargeback months 7-12

State Approvals Approved in: IA, IL, KY



Important!





information.


458/494

Apollo-SP


period of 10 or more years. (Not Available in WA)







Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Year

Interest Rate

Base Rate

1.90%

1st Year Rate

1 -1

3.90%


maximum of 30% of single premium paid if not used during second policy year or any of the following years. (Not available in WA). Surrender

charges will apply to any penalty-fee withdrawals taken within 12 months of surrender. (No applicable in NJ or WA).

Terms Cost



(Ages 0-85) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)





Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK,

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

Chargebacks

Surrender Charges

Death Benefit



Important!



459/494

Apollo-SP (IA, IL, KY)









Initial Q & NQ (0-85) $5,000.00


$1,000,000.00


$500,000.00


Year

Interest Rate

Base Rate

1.90%

1st Year Rate

1 -1

3.90%


maximum of 30% of single premium paid if not used during second policy year or any of the following years.

Terms Cost


Death Benefit Annuity Value paid upon death of owner


(Ages 60-85) 8.00-7.00-6.50-5.50-4.50-3.50-2.00-0% (7 years)


100% chargeback months 1-6 No chargeback for surrender 50% chargeback months 7-12

State Approvals Approved in: IA, IL, KY



information.


Disclaimers



Important!



460/494

Eleos-MVA







Initial Q & NQ (0-85) $10,000.00


$1,000,000.00


$500,000.00


Year

Interest Rate

Base Rate

2.45%

1st Year Rate

1 -1

2.45%

10.00% of Premium Paid in the first year and 10% of annuity value after first year with no surrender charges. The surrender charges will apply to

any penalty-free withdrawals taken within 12 months of surrender. (Not applicable in NJ).

Terms Cost



(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)





Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV,

OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit





461/494

Eleos-SP







Initial Q & NQ (0-85) $10,000.00


$1,000,000.00


$500,000.00


Year

Interest Rate

Base Rate

2.30%

1st Year Rate

1 -1

2.30%

10.00% of Premium Paid in the first year and 10% of annuity value after first year with no surrender charges. The surrender charges will apply to

any penalty-free withdrawals taken within 12 months of surrender. (Not applicable in NJ or WA).

Terms Cost



(Ages 0-85) 8.00-7.00-6.00-5.00-4.00-0% (5 years)





Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, ND, NE, NH, NJ, NM, NV,

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



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




462/494

Royal Neighbors of America (A-)

Steady Choice II





Initial Q & NQ premium annually (0-75) $1,200.00

Initial Q & NQ premium annually (0-75) $25,000.00


Fixed Rate 2.00%

Set at issue date and fixed for the life of the annuity with a minimum of 1% and a maximum of 3%.

10.00% of Account Value available after 1 Day

Terms Cost

Waiver of Surrender Charges - Withdrawal charges will not apply if owner is confined to a nursing home and/or hospital per the terms

of the certificate, provided the first confinement begins on or after the end of the first certificate year or if the owner has a terminal

condition and is not expected to live more than 12 months.

None

Full Account Value

(Ages 0-75) 10.00-9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (10 years)


None 100% chargeback during free look



Approved in: AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI,

SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee


https://www.royalneighbors.org/

463/494

Sagicor Life Insurance Company (A-)

Gold Series Sage Investor

Bailout Feature*






Initial Q & NQ (0-90) $5,000.00

Initial Q & NQ (0-90) $500,000.00

Fixed Rates Year Interest Rate Guaranteed

1 3.00% 3.00%

Will not be less than 100% of the premium paid plus interest at the Guaranteed Annualized Interest Rate, adjusted by withdrawals.


Terms Cost

Confinement Illness Waiver (100.00% access after 90-Day Confinement ) None

Terminal Illness Rider (100.00% access after 6-Month Diagnosis ) None

Bailout Feature - If after the first policy year, the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the

owner may request, within 30 days, to receive the accumulation value without surrender charges.

None


(Ages 0-90) 7.00-7.00-7.00-6.00-5.00-3.00-0% (6 years)






Approved in: MD, WA



information.





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee

Issue Ages

Commissions

Important!


Sagicor Life Insurance Company

Sagicor Life Insurance Company (A-)

464/494

Sage Choice

Bailout Feature*


Qualified & Non-Qualified Money-Paper Applications Only (0-80) 3.000%

Qualified & Non-Qualified Money-Paper Applications Only (81-90) 1.750%



Initial Q & NQ (0-90) $2,000.00


$750,000.00

Year Guaranteed

1 3.50%

2 -10 2.00%

11 3.00%

Will not be less than 100% of the premium paid plus interest at the Guaranteed Annualized Interest Rate, adjusted by withdrawals.



Terms Cost

Confinement Illness Waiver (100.00% access after 90-Day Confinement ) None

Terminal Illness Rider (100.00% access after 6-Month Diagnosis ) None

Bailout Feature - If after the first policy year, the renewal rate is lower than a rate that is 1% below the initial fixed interest rate, the

owner may request, within 30 days, to receive the accumulation value without surrender charges.

None


(Ages 0-90) 7.00-7.00-7.00-6.00-5.00-3.00-0% (6 years)




Commission chargeback will not apply on accidental deaths



Approved in: AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV, OH, OK, OR,

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



information.





Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit




Minimum Guarantee

Fixed Rates

Issue Ages

Commissions

Important!


465/494

Symetra Financial (A)

Custom 7 Fixed ($10k - $49,999)

Important! Choose your guarantee period of 1, 3 or 5 years! Guaranteed return of premium!




















3-Year Guaranteed Fixed with ROP* 1 -1 2.00%






Minimum Guarantee Years 1-5: Guaranteed Miniumum interest rate is 3%.

Years 6+: Guaranteed Minimum interest rate is 1.5%

Penalty-Free Withdrawal 10.00% of Previous Anniversary's Contract Value

Anytime after the first year of your contract and before your 101st birthday contract can be annuitized for life without surrender charges

Terms Cost

Nursing Care and Hospitalization Waiver - Benefit available up to 90 days after being released from facility. (100.00% access after 30-

Day Confinement available after 1 Year)

None



None



Annuitization


https://www.symetra.com/

466/494

Death Benefit

(Ages 0-90) 8.00-8.00-7.00-7.00-6.00-5.00-4.00-0% (7 years)


No chargeback after 1 year No chargeback after 1 year

Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM,

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



information.

Guaranteed Return of Purchase Payment (not available in New Jersey)


Disclaimers

State Approvals

Chargebacks

Surrender Charges


467/494


Custom 7 Fixed ($50k - $99,999)











$99,999.00


$99,999.00




Year

Interest Rate


1 -1 2.55%


2 -3 1.81%


1 -1 2.45%


2 -5 1.89%


1 -1 2.25%


2 -7 1.82%

3-Year Guaranteed Fixed with ROP*

1 -1 2.05%


2 -3 1.59%


1 -1 2.10%


2 -5 1.64%


1 -1 2.00%


2 -7 1.57%





Terms Cost



None



None



Annuitization


468/494

Death Benefit

(Ages 0-90) 8.00-8.00-7.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ,

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



information.



Disclaimers

State Approvals

Chargebacks

Surrender Charges


469/494


Custom 7 Fixed ($100k - $249,999)











$249,999.00


$249,999.00




Year

Interest Rate


1 -1 2.75%


2 -3 1.89%


1 -1 2.55%


2 -5 1.96%


1 -1 2.40%


2 -7 1.97%


1 -1 2.25%


2 -3 1.68%


1 -1 2.20%


2 -5 1.71%


1 -1 2.15%


2 -7 1.72%





Terms Cost



None



None



Annuitization


470/494

Death Benefit

(Ages 0-90) 8.00-8.00-7.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM,

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



information.



Disclaimers

State Approvals

Chargebacks

Surrender Charges


471/494


Custom 7 Fixed ($250k+)











$1,000,000.00


$1,000,000.00




Year

Interest Rate


1 -1 2.80%


2 -3 1.91%


1 -1 2.60%


2 -5 2.00%


1 -1 2.45%


2 -7 2.02%


1 -1 2.30%


2 -3 1.70%


1 -1 2.25%


2 -5 1.75%


1 -1 2.20%


2 -7 1.77%





Terms Cost



None



None



Annuitization


472/494

Death Benefit

(Ages 0-90) 8.00-8.00-7.00-7.00-6.00-5.00-4.00-0% (7 years)



Approved in: , AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ,

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



information.



Disclaimers

State Approvals

Chargebacks

Surrender Charges



473/494

Flex Premium Plus (describe variation here)

2.00% additional first year interest! (note: commission is for cash - rollover commission is 5.00%)






Initial Qualified (0-90) $50.00



$1,000,000.00


$1,000,000.00




1 4.00% 2.00%

2 2.00% 2.00%

Guaranteed Minimum set forth in the contract is 2.00% for the first 7 years. Symetra makes the commitment that your renewal will not fall be

3.00% low during that time. 1.5% after the 7 year period.



Terms Cost



None


(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-0% (7 years)



Approved in: , TX



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions

Important!



474/494

Flex Premium Plus

2.00% additional first year interest! (note: commission is for cash - rollover commission is 5.00%)






Initial Qualified (0-90) $50.00



$1,000,000.00


$1,000,000.00




1 4.00% 2.00%

2 2.00% 2.00%

Guaranteed Minimum set forth in the contract is 2.00% for the first 7 years. Symetra makes the commitment that your renewal will not fall be

3.00% low during that time. 1.5% after the 7 year period.



Terms Cost



None


(Ages 0-90) 6.00-6.00-6.00-6.00-3.00-3.00-3.00-0% (7 years)



Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ,

NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY



information.


Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee

Fixed Rates

Issue Ages

Commissions

Important!


475/494


The Standard (A)

Advantage Growth 5

Rate includes 2% first-year bonus

Required Minimum Distributions (RMDs) may be made on the schedule requested without surrender charge.

MVA applies

Joint owners available on 1035 exchange only

Commissions Type

Ages Commission


(0-80) 3.000%


(81-85) 1.500%


(86-90) 1.350%



Maximum

Initial Q & NQ (0-90) $15,000.00


$1,000,000.00


Year Guaranteed

Low Band 15,000-99,999.00

1 3.45%

High Band 100,000

1 3.55%

Never less than the minimum guaranteed rate of 1%.



Can be annuitized at anytime. Annuitization must be either a lifetime income payment option or a certain period of at least five years. (Not

available in CA)

Terms Cost

Nursing Home Confinement (Not available in MA) - After the first Contract year, if the owner becomes confined to a nursing home for

30 or more consecutive days, the owner may make withdrawals without a surrender charge or MVA. (available after 1 Year)

None

Terminal Illness Advantage Growth - If the annuitant or owner/annuitant is diagnosed with a terminal condition after the first contract

year, (In MO, MN, NJ, TX, WA after effective date of contract) surrender charges on all withdrawals, transfers and surrenders are

waived. (100.00% access available after 1 Year)

None


(Ages 0-90) 7.00-6.00-5.00-4.00-2.00-0% (5 years)

No chargeback issue ages 0-86

If issue ages 86-90, 100% chargeback months 1-6








information.

Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


476/494



477/494


The Standard (A)

Advantage Growth 7

Rate includes 2% first-year bonus


MVA applies

Joint owners available on 1035 exchange only

Commissions Type

Ages Commission


(0-80) 3.000%


(81-85) 1.500%


(86-90) 1.350%



Maximum

Initial Q & NQ (0-90) $15,000.00


$1,000,000.00


Year Guaranteed

Low Band 15,000-99,999.00

1 3.80%

High Band 100,000

1 3.90%




Can be annuitized at anytime. Annuitization must be either a lifetime income payment option or a certain period of at least five years. (Not

available in CA)

Terms Cost



None

Terminal Illness Advantage Growth - If the annuitant or owner/annuitant is diagnosed with a terminal condition after the first contract

year, (In MO, MN, NJ, TX, WA after effective date of contract) surrender charges on all withdrawals, transfers and surrenders are

waived. (100.00% access available after 1 Year)

None


(Ages 0-90) 7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (7 years)










information.

Disclaimers

State Approvals

Surrender Charges

Death Benefit


Annuitization



Minimum Guarantee

Important!


478/494



479/494

The Standard (A)

Flexible Premium

Important! Substantially Equal Periodic Payments

Required Minimum Distributions

Early Retirement Feature

See below for details.



Trail options available. See schedule for details. (81-85) .500%



Initial Q & NQ (0-90) $600.00


$1,000,000.00


Year

Guaranteed

Fixed Rate

1

1.60%



Can be annuitized at anytime. Annuitization must be either a lifetime income payment option or a certain period of at least five years.

Terms Cost

Substantially Equal Periodic Payments - Beginning immediately, IRS 72(t) or 72(q) withdrawals may be made on the schedule

requested.

None

Required Minimum Distributions - If the contract is held as a tax-qualified plan, IRS Required Minimum Distributions may be made on

the schedule requested.

None

Early Retirement Feature - Allows withdrawal of funds without a surrender charge inf contract held for five years and client reaches

age 59-1/2.

None



None

Terminal Illness - Terminal Illness waiver (100.00% access available after 1 Year) None


(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)








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



information.

Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


Minimum Guarantee


480/494



481/494

The Standard (A)

Principal Growth 5

Important! Rate includes 1% first-year bonus

Required Minimum Distributions (RMDs)

Bailout Guarantee

Substantially Equal Periodic Payments (SEPP)


Commissions Type

Ages Commission


(0-80) 2.000%


(81-85) 1.000%


(86-90) .770%



Maximum

Initial Q & NQ (0-90) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-90) $1,000.00


Year

Guaranteed

Low Band 15,000-99,999.00

1

2.40%

High Band 100,000

1

2.50%

Minimum Guarantee Never less than the minimum guaranteed rate of 1%.




Terms Cost


requested.

None

Bail Out Feature - Each deposit is assigned a bailout interest rate that is equal to 1 percent less than the initial rate. If a renewal rate

ever is declared below that bailout rate, that portion of the account value may be withdrawn without surrender charge (only while the

rate is below the bailout rate).

None



None



None



(Ages 0-90) 8.00-7.00-6.00-4.00-2.00-0% (5 years)







Chargebacks

Surrender Charges

Death Benefit


Annuitization


482/494





information.


Disclaimers

State Approvals


483/494

The Standard (A)

Principal Growth 7



Bailout Guarantee



Commissions Type

Ages Commission


(0-80) 3.000%


(81-85) 1.500%


(86-90) 1.350%



Maximum

Initial Q & NQ (0-90) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-90) $1,000.00


Year

Guaranteed

Low Band 15,000-99,999.00

1

2.55%

High Band 100,000

1

2.65%





Terms Cost




None



None


requested.

None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)







Chargebacks

Surrender Charges

Death Benefit


Annuitization


484/494





information.


Disclaimers

State Approvals


485/494

The Standard (A)

Principal Growth 9



Bailout Guarantee



Commissions Type

Ages Commission


(0-80) 3.000%


(81-85) 1.500%


(86-90) 1.350%



Maximum

Initial Q & NQ (0-90) $5,000.00


$1,000,000.00

Subsequent Q & NQ (0-90) $1,000.00


Year

Guaranteed

Low Band 15,000-99,999.00

1

2.65%

High Band 100,000

1

2.75%





Terms Cost




None



None


requested.

None



None



(Ages 0-90) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)







Chargebacks

Surrender Charges

Death Benefit


Annuitization


486/494





information.


Disclaimers

State Approvals


487/494

The Standard (A)

Secured Rate 1

Important! Persistency Bonus after year 7

Rates includes 1.00% first-year bonus


Substantially Equal Periodic Payments (SEPP) allows early-retirement income without penalty or surrender charge.




Trail options available. See schedule for details. (86-90) .770%



Initial Q & NQ (0-90) $15,000.00


$1,000,000.00


Guaranteed

Low Band 15,000-99,999.00

1

2.00%

High Band 100,000

1

2.10%

High Band 100,000 Bail Out Rate

2 -5

1.10%

High Band 100,000 Bail Out Rate

6

1.00%

Low Band 15,000-99,999.00 Bail Out Rate

2 -5

1.00%

Low Band 15,000-99,999.00 Bail Out Rate

6

1.00%





Terms Cost



None



(Ages 0-90) 7.00-7.00-7.00-6.00-5.00-3.00-0% (6 years)







Approved in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, State Approvals

Chargebacks

Surrender Charges

Death Benefit


Annuitization


488/494

NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY



information.


Disclaimers


489/494

Voya Financial (A)

Classic Choice NY

Important! Choice of guarantee periods of 5, 7 or 10 years

MVA applies


Qualified & Non-Qualified Money (10 yr guarantee period) (0-80) 2.000%

Qualified & Non-Qualified Money (7 yr guarantee period) (0-80) 2.000%

Qualified & Non-Qualified Money (5 yr guarantee period) (0-80) .400%



Initial Q & NQ (0-80) $15,000.00

Initial Q & NQ (0-80) $1,000,000.00


5-Year Guaranteed Fixed 1 -5 1.00% 1.00%



Contractual. The company guarantees to return no less than 100% of premium paid, less any withdrawals, without interest.


Annuitization allowed after the initial guarantee period and must be for at least a 5 year period.


(Ages 0-80) 7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (7 years)

Approved in: NY



information.

At end of the initial guarantee period you may renew for the same guarantee period or any other offered at that time. The contract will

automatically renew for same period if no action is taken within 30 days of end of the guarantee period. The guarantee period cannot be

extended beyond maturity date.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee


https://www.voya.com/

Voya Financial (A)

490/494

Classic Flex NY

Choice of guarantee periods of 1, 3 or 5 years.





Initial Q & NQ (0-80) $2,000.00


$500,000.00


Interest Rate


1 -5

3.00%


1 -6

3.00%


1 -8

3.00%

Contractual. The company guarantees to return no less than 100% of premium paid, less any withdrawals, without interest.




(Ages 0-80) 9.00-8.00-7.00-6.00-5.00-4.00-2.00-0% (7 years)

Approved in: NY



information.


Disclaimers

State Approvals

Surrender Charges

Death Benefit

Annuitization


Minimum Guarantee

Issue Ages

Commissions

Important!


Voya Financial (A)

491/494


Terms Cost

Minimum Guarantee The cash surrender value will not be less than 90% of your single premium less withdrawals of the account value and premium taxes.




State Approvals Approved in: , IN

Lifetime Income (IN)

Important! Designed for clients that want income that lasts for a lifetime (this is NOT an accumulation product)

Indexed-linked growth to the benefit base

'Boosts' to the benefit base in years five and ten




Trail Option: Qualified & Non-Qualified Money Year 1 (50-75) .650%


Trail Option: Qualified & Non-Qualified Money Years 2-11 (50-75) .650%





Initial Q & NQ $1,000,000.00

Nursing Home Waiver (100.00% access after 45-Day Confinement available after 1 Year) None

Terminal Illness Waiver (100.00% access available after 1 Year) None

Optional Death Benefit - Maximum benefit amount of 225% of premium minus any withdrawals.

Payable over a period no less than 5 years or as a lump sum of 75% of the optional death benefit amount.

Terminates upon attainment of age 90.

None

Lifetime Income - 1. 'Boosts' in years five and ten

If your client defers lifetime income withdrawals for five years, the benefit value will get a boost to equal 150% of premium, less

withdrawals. After ten years of deferral, the benefit base gets another boost to equal 225% of premium, less withdrawals. These

boosts are guaranteed increases to the benefit value.

2. Index Increase Potential

In addition, the benefit value has the potential to grow each year using a point-to-point cap index method. (available after 1 Day)

None





information.





Death Benefit Greater of account value and the minimum guaranteed contract value

Disclaimers


492/494


493/494

Voya Financial (A)

Lifetime Income

Important! Designed for clients that want income that lasts for a lifetime (this is NOT an accumulation product)

Indexed-linked growth to the benefit base

'Boosts' to the benefit base in years five and ten











Initial Q & NQ $1,000,000.00

The cash surrender value will not be less than 90% of your single premium less withdrawals of the account value and premium taxes.


Terms Cost

Nursing Home Waiver (100.00% access after 45-Day Confinement available after 1 Year) None

Terminal Illness Waiver (100.00% access available after 1 Year) None

Optional Death Benefit - Maximum benefit amount of 225% of premium minus any withdrawals.

Payable over a period no less than 5 years or as a lump sum of 75% of the optional death benefit amount.

Terminates upon attainment of age 90.

None

Lifetime Income - 1. 'Boosts' in years five and ten

If your client defers lifetime income withdrawals for five years, the benefit value will get a boost to equal 150% of premium, less

withdrawals. After ten years of deferral, the benefit base gets another boost to equal 225% of premium, less withdrawals. These

boosts are guaranteed increases to the benefit value.

2. Index Increase Potential

In addition, the benefit value has the potential to grow each year using a point-to-point cap index method. (available after 1 Day)

None

Greater of account value and the minimum guaranteed contract value

(Ages 50-80) 9.00-8.00-7.00-6.00-5.00-4.00-3.00-2.00-1.00-0% (9 years)





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



information.




Disclaimers

State Approvals

Chargebacks

Surrender Charges

Death Benefit



Minimum Guarantee


494/494



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