A Fixed Annuity with a 1-year fixed rate and a 14-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings

A.M. Best :  A

Standard & Poor's:  A

Rates

The interest rate is guaranteed for 1 years Surrender charges last 14 years

Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 2,000+	****	*****	*****	****	*****	*****

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:   ***** ***** ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****

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Commissions

Effective date of commission schedule: 01/01/2012

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

(A) If the annuitant dies within one (1) year of the --[ subscription required to view full text ]-- (*) ** *** ********* **** ****** *** (*) **** ** *** ****** ***** ****, ********** ********** **** ** *** ***/** ****** **** ** ******* **** ** **** ***/** **** ******' ********** ******** *** ***** ****** * **** ** ** ***** ** *** *** ******* ** ****** ** ********** **** **** ********** *********. *** ********** **** ** ** *******: ** ***** ****** ****** ****** ****** * ******* *, ***% ** *** ********** ** ********. ** ***** ****** ****** ****** ****** * ******* **, **% ** *** ********** ** ********.