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OM Financial Life Insurance Company

OM Guarantee-Platinum 3

A MYGA with a 3-year fixed rate and a 3-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A-		Fitch: BBB-		Moody's: Baa3		Standard & Poor's: NR

Rates
The interest rate is guaranteed for 3 years Surrender charges last 3 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

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

Policy Notes

The competitive initial intere --[ subscription required to view full text ]--
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Product Riders
No Riders Available

Provisions

Free Look Period:	****
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:	****	*******
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:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

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*** *** ****** *** $****.**
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State Specific Notes

All States except Connectic --[ subscription required to view full text ]--
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MVA Explanation
Not available in MT OK VT

Applies only to withdrawals or annuitizations during the surrender cha --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 03/03/2010
Commissions are ***** *** * *** * *** * ** ***** ***.

BASIC COMMISSIONS - Basic Commissions on Authorized Contracts listed below shall be payable in accordance with this Compensation Schedule. Basic Commissions are expressed as percentages ofpremiums received and accepted by the Company subject to the other provisions herein contained based on the policy effective date. Basic Commissions on additional policies and riders hereafter offered by the Company shall be payable at rates to be furnished by the Company. Any policies in f --[ subscription required to view full text ]--
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