A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings

A.M. Best :  A

Standard & Poor's:  A+

Rates

Current Rates xx/xx/xxxx Guaranteed Minimum Values  Band $3,000+  Cap Part Rate Cap Part Rate S&P 500® Five-Year Point-to-Point Strategy  ***   ***   ***   ***  S&P 500® One-Year Point-to-Point Strategy Capped  ***   ***   ***   ***  S&P 500® One-Year Point-to-Point Strategy Participation Rate  ***   ***   ***   ***  S&P 500® Two-Year Monthly Average Strategy  ***   ***   ***   ***  Guaranteed One-Year Fixed Interest Crediting   (Rate guaranteed for 1 Year) *.** % *.** %  Band $100,000+  Cap Part Rate Cap Part Rate S&P 500® Five-Year Point-to-Point Strategy  ***   ***   ***   ***  S&P 500® One-Year Point-to-Point Strategy Capped  ***   ***   ***   ***  S&P 500® One-Year Point-to-Point Strategy Participation Rate  ***   ***   ***   ***  S&P 500® Two-Year Monthly Average Strategy  ***   ***   ***   ***  Guaranteed One-Year Fixed Interest Crediting   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****

Product Riders

No Riders Available

Provisions

Free Look Period: **** (Free look period may vary by state) Rate Lock Protection: **** Bail Out Provision Available: *** *** *** ***: **** Loan Provision Available: *** *** *** ***: **** Tax Sheltered: ***

Market Value Adjustment: *** MRD: *** Front-End Fee: *** Annual Maintenance Fee: *** Return of Premium Available: *** Death Benefit is: *** ****

Premiums   Non-Qual Qualified Min Single Premium: **** ******* Max Single Premium: Age < xx: **** ******* Age > xx: **** ******* Payroll Deduction: **** **** Min Added Premium: **** **** Flexible Premiums ******* : ****   Min Single Premium Impaired: ****** ****** Min Single Premium Period Certain: ****** ******		Ages Restrictions   Min Age Non-Qual Qualified Owner:   ***** ***** Annuitant: ***** ***** ***** Impaired:   ***** ***** Annuitization Age:   ***** ***** ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****

[true] []

Commissions

Effective date of commission schedule: 02/21/2012

Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

Initial and additional premiums: Commissions --[ subscription required to view full text ]-- ******* *** ********** ********: *********** *** ***** ** *** ******* ***** *****’* ******** *** ** *** **** ******* ** ******** ** *** ************** *******. ** *** ***** ** ** ******, *** ***** *********’* ******** *** ** **** ** ********* ***********. *** ******* ******** ****** ** **** ** *** ***********, ********** ** ***** ** *** **** *** *********** ** ********. *** ******* ******** ***** ** ****, *** *******-******** **** ** ****.