A Fixed Indexed Annuity with a 6-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 $2,000+  Cap Part Rate Cap Part Rate 1 -Year NASDAQ Monthly Point-to-Point Cap  ***   ***   ***   ***  1-Year Dow Jones Annual Point-to-Point  ***   ***   ***   ***  1-Year Dow Jones EuroStoxx 50 Point-to-Point  ***   ***   ***   ***  1-Year Nasdaq-100 Annual Point-to-Point  ***   ***   ***   ***  1-Year Russell 2000 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 400 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 500 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 500 Monthly Point-to-Point Cap  ***   ***   ***   ***  1-Year Fixed   (Rate guaranteed for 1 Year) *.** % *.** %  Band $250,000+  Cap Part Rate Cap Part Rate 1 -Year NASDAQ Monthly Point-to-Point Cap  ***   ***   ***   ***  1-Year Dow Jones Annual Point-to-Point  ***   ***   ***   ***  1-Year Dow Jones EuroStoxx 50 Point-to-Point  ***   ***   ***   ***  1-Year Nasdaq-100 Annual Point-to-Point  ***   ***   ***   ***  1-Year Russell 2000 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 400 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 500 Annual Point-to-Point  ***   ***   ***   ***  1-Year S&P 500 Monthly Point-to-Point Cap  ***   ***   ***   ***  1-Year Fixed   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****

Premium Bonus

- none -

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: 02/11/2013

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

Unless otherwise identified, commissions will only be applied to collected premiums. Renewal; commissions will be paid on new premiums (premium less withdrawals) and will only be paid upon receipt of additional premium. Commission will be paid when a minimum of $50.00 for EFT is accumulated. Agents must --[ subscription required to view full text ]-- ****** ********* **********, *********** **** **** ** ******* ** ********* ********. *******; *********** **** ** **** ** *** ******** (******* **** ***********) *** **** **** ** **** **** ******* ** ********** *******. ********** **** ** **** **** * ******* ** $**.** *** *** ** ***********. ****** **** ** ******** ********** **** ******* ******** ******* ******** ** ***** ** ******* **-***** ***********. ***** *********** *** **** *** ***** ** *** **** ************ ***** ******** ******** ** *** ***** ******** ***********. ***** *********** **** ******** ** ** **** *** *** **** ** *** ********. *********** *** *** **** ** *** ******* ***** ** * ******* *********** ****. ******* ************ ****** ** ***** *** ***** **** *** **** ** ******* *** *****. *********** - ******* **** *** ******, **** **********, ******* *********** ***/** ******** ******* ************* (***'*) ********* ****** *** ***** ******** *********** ****, *** ********* ********** *********** *****: *) *** ******** ****** *** ****** ******, *** ********, ******* ******** **** *, ** *** ** ********: ***% **********’* **** *** **** ** ***** ******* *** *** ** *** *** ***** ***** *** ******** ***** *** **% ********** **** *** ***** ** *** ******* ***** ***** *** ******** ***** **** ******* *** ***** ******** *********** ****. *** *** ******* ******** **** *, ** & ***, *** ******** *** *** ******** **** ********: ***% ********** ****** *** ***** ******** **** *** **% ********** ****** *** ****** ******** ****. *********** ** *** *** ******** **** **** **** ***** ** ********** *** ******. ***** ** ** ********** ** *****. ***** ** ** ********** ** * ****, ****** *** **** ****** *** ****** ** *****. *** ************* ** ******* ********, ***** ** * ***% ********** ********** ********** *** ****** ********* ****** ****** ** *** ********. ** ******** *** *** ******* ** *** ********, ******* ******** ******** *** ***** ** ********** *********** ** *** ****, ** *** **** **********, ******** ** ********* * *** * ** *** ***** ********, ***** *** ************ ******. *********** - ******** For full surrenders or partial withdrawals after a renewal of a Multi-Year Guaranteed Annuity (only those plans with a guarantee period of 5 years or longer) re-entry commissions will chargeback at 100% form the date of re-entry through the end of the first 6 months, and chargeback at 50% from the start of the 7th month after the re-entry date through the first contract anniversary date after re-entry. There is no commission chargeback in the event of death or RMD> ********** ***** *** ********* **** ******** ** $***,***, *********** **** ** **** *** * ** *** ****-**** ****** (********* ** **** ** *** ******** ***** ****** ********) ** *** ******. ********** ********** ********** ***** ********** **** ** ******* ****** ***** *** **********. ****: ** * ****** ******* *** ******* ***** *** ***** *** ****** ** ******* * ********** ********* *** ** ******* ** *****.