A Fixed Annuity with a 5-year fixed rate and a 9-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 5 years Surrender charges last 9 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+	****	*****	*****	****	*****	*****

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: 10/27/2010

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

Chargebacks - Initial Term For death, full surrenders, partial withdrawals and/or Required Minimum Distributions (RMD's) occurring within the first contract anniversary year the following chargeback --[ subscription required to view full text ]-- *********** - ******* **** *** *****, **** **********, ******* *********** ***/** ******** ******* ************* (***'*) ********* ****** *** ***** ******** *********** **** *** ********* ********** *********** *****: *.) *** ******** ****** *** *** ****** ****, ***** ******** ******, ***** ******** ******, ** **** *, **, *** *** ********: ***% ********** **** *** ***** ** *** *** ***** ***** *** ******** ***** **** ******* *** ***** ******** *********** ****; *** *.) ** **** *, ** *** ***, ***** ******** ****** *** *** ****** **** *******: ***% ********** ****** *** ***** ******** **** *** **% ********** ****** *** ****** ******** ****. *********** ** *** *** ****** **** **** **** ***** ** ********** *** ******. ***** ** ** ********** ** *****. ***** ** ** ********** ** * ****, ****** *** **** ******* *** ****** ** *****. *** ************* ** ***** ********, ***** ** * ***% ********** ********** ********** *** ****** ********* ****** ****** ** *** ********. ** ******** *** *** ******* ** *** ********, ***** ******** ******** *** ***** ** ********** *********** ** *** ****, ** *** **** **********, ******** ** ********** * *** * ** *** ***** ********, ***** ** ********* ************ ******. *********** - ******** *** **** ********** ** ******* *********** ***** ******* ** * *****-**** ********** ******* (**** ***** ***** **** * ********* ****** ** * ***** ** ******) **-***** *********** **** ********** ** ***% **** *** **** ** **-***** ******* *** *** ** *** ***** * ******, *** ********** ** **% **** *** ***** ** *** ******* ***** ***** *** **-***** **** ******* *** ***** ******** *********** **** ***** **-*****. ***** ** ** **-***** *********** ********** ** *** ***** ** ***** ** ***. ********** *****; *** ********* **** ******** ** $***,** ** ****, *********** **** ** **** *** * ****** *** ****-**** ****** (********* ** **** ** ******** ***** ****** *******) ** *** *****. ******* ************ ****** ** ***** *** ***** **** **** ** *******, ******* ********* ******* ** ***-***-**** *** ******** *******.