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Product Names	- Click each product name to view detailed product information.
	- Click to read IPG's "HOT" Comments about these products.
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For Agent Use Only - Rates Subject to Change
Products Not Approved in All States.

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

2 Year Guarantee

Sure Advantage 2
West Coast Life
A+

-----3.01%------ 3.26% ------ 2.75%-------- $100k+
-----2.75%------ 2.75% ------ 2.75%-------- $10k+

2 Years
9,8% W Restart
30 Day Window +/- MVA

1.00% 00-75
0.50% 76-85

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

3 Year Guarantee

Sure Advantage 3
West Coast Life
A+

-----3.52%------ 3.87% ------ 3.35%-------- $100k+
-----3.35%------ 3.35% ------ 3.35%-------- $10k+

3 Years
9,8,7% W Restart
30 Day Window +/- MVA

1.00% 00-75
0.75% 76-85

Palladium 3 MYG
American National
A+

-----3.20%------ 3.20% ------ 3.20%-------- $100K+
-----3.10%------ 3.10% ------ 3.10%-------- $5K+

3 years
8,8,8% 30 day
window 7,6,5,4,3,2,1%
+MVA

1.50% 0-79
0.50% 80-85

SRA 3
The Standard
A

-----2.80%------ 2.80% ------ 2.80%-------- $100k+
-----2.70%------ 2.70% ------ 2.70%-------- $15k+

3 Years
9,8,7,0%
No MVA

2.00% 00-80
1.00% 81-85
0.77% 86-90

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

4 Year Guarantee

Sure Advantage 4
West Coast Life
A+

-----4.28%------ 4.67% ------ 4.15%-------- $100k+
-----4.15%------ 4.15% ------ 4.15%-------- $10k+

4 Years
9,8,7,6% W Restart
30 Day Window +/- MVA

1.50% 00-75
1.00% 76-85

Momentum Advantage 4
Integrity
A++

-----4.18%------ 4.75% ------ 4.00%-------- $20k

4 Years
8%,8,7,7,0
+/- MVA

2.00 0-79
.50% 80-86

Palladium 4 MYG
American National
A+

-----3.50%------ 3.50% ------ 3.50%-------- $100k+
-----3.40%------ 3.40% ------ 3.40%-------- $5k+

4 Years
8,8,8,7% 30 day
window 6,5,4,3,2,1%
+/- MVA

2.00% 00-79
1.00% 80-85

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

5 Year Guarantee

Neighbors Choice
Royal Neighbors
A-

-----5.00%------ 5.00% ------ 5.00%-------- $10k+

5 years
8.5,7.5,7,6,4,0%
No MVA

1.75% 18-75
1.45% 76-85

SL Liberty 5 Year
Genworth (Life)
A+

-----4.64%------ 4.85% ------ 4.85%-------- $250k
-----4.56%------ 4.75% ------ 4.75%-------- $100k
-----4.43%------ 4.60% ------ 4.60%-------- $5k
----------- 3.60% ------ Bailout-------- Yr 6

6 Years
9,9,8,7,6,5,0%
No MVA

3.00% 00-75
1.95% 76-80
1.05% 81-85

Guaranteed
Step-Up
Beneficial
A

-----4.60%------ 3.65% ------ Step-------- $5k
-----4.75%------ 3.80% ------ Step-------- $100k

5 Years
7,7,7,6,5,0%

2.00% 0-90

Sure Advantage 5
West Coast Life
A+

-----4.51%------ 5.34% ------ 4.30%-------- $100k+
-----4.30%------ 4.30% ------ 4.30%-------- $10k+

5 Years
9,8,7,6,5% W Restart
30 Day Window +/- MVA

2.00% 00-75
1.00% 76-85

Keyport Value 5
SunLife
A++

-----4.50%------ 3.70% ------ StepUp-------- $50k+
-----4.35%------ 3.55% ------ StepUp-------- $5k+

5 Years
7,6,5,4,3,0%
+/-MVA

4.00% 00-80
1.25% 81-90

Palladium 5 MYG
American National
A+

-----4.35%------ 5.15% ------ 4.15%-------- $100k+
-----4.25%------ 5.05% ------ 4.05%-------- $5k+

5 Years
8,8,8,7,6
30 day window
5,4,3,2,1,
+/- MVA

4.00% 00-79
2.00% 80-85

Momentum Advantage 5
Integrity
A++

-----4.35%------ 4.95% ------ 4.20%-------- $20k

5 Years
8%,8,7,7,6,0
+/-MVA

2.50% 0-79
.50% 80-86

Freedom Series 5
Liberty Life
A

-----3.65%------ 6.05% ------ 3.05%-------- $100k+
-----3.50%------ 5.90% ------ 2.90%-------- $10k+
-----3.25%------ 5.65% ------ 2.65%-------- $5k+

5 Years
7,7,7,6,5,0%
No MVA

4.00% 00-80
2.00% 81-85

Tactician Plus 5
LBL
A+

-----3.40%------ 5.00% ------ 3.00%-------- $100k+
-----3.20%------ 4.00% ------ 3.00%-------- $2k+

5 Years
8,8,8,7,6% 30 day
window 5,4,3,2,1%
+/- MVA

4.00% 00-75
3.00% 76-85
2.00% 86-90

FGA 5
The Standard
A

-----3.35%------ 3.35% ------ 3.35%-------- $100k+
-----3.25%------ 3.25% ------ 3.25%-------- $15k+

5 Years
8,7,6,5,4,0%
+/-MVA

3.00% 00-80
1.50% 81-85
1.35% 86-90

SRA 5
The Standard
A

-----3.10%------ 3.10% ------ 3.10%-------- $100k+
-----3.00%------ 3.00% ------ 3.00%-------- $15k+

5 Years
9,8,7,6,5,0%
No MVA

4.00% 00-80
2.00% 81-85
1.45% 86-90

Treasury Linked
LBL
A+

-----2.65%+------ 2.65% ------ 3.65%+-------- $100k
-----2.40%+------ 2.40% ------ 2.40%+-------- $3k

5 Years
9,8,8,7,6,W, 5,4,3,2,1,0%
45 Day Window, +/-MVA

3.00% 0-80
2.40% 81-85
1.50% 86-90

Guarantee Choice 5
ING USA
A+

-----2.15%------ 2.95% ------ 1.95%-------- $75K+
-----1.95%------ 1.95% ------ 1.95%-------- $15K+

5 years
9,8,7,6,5,W 4,3,2,1,0%
30 Day Window +/-MVA

2.00% A0 - 80
1.25% B 1stYr
0.25% B Trail

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

6 Year Guarantee

Palladium 6 MYG
American National
A+

-----5.00%------ 5.00% ------ 5.00%-------- $100k+
-----4.90%------ 4.90% ------ 4.90%-------- $5k+

6 Years
8,8,8,7,6,5,W,4,3,2,1%
30 Day Window, +/-MVA

2.50% 00-79
0.50% 80-85

Crown Choice
Royal Neighbors
A-

-----5.00%------ 5.00% ------ 5.00%-------- $100k+
-----4.90%------ 4.90% ------ 4.90%-------- $20k+
-----4.15%------ 4.15% ------ 4.15%-------- $5k+

6 Years
8.5, 7.5, 7,6,5,4.5,0
No MVA

2.75% 00-75
1.45% 76-85

Guaranteed Advantage
Beneficial
A

-----4.62%------ 5.45% ------ 4.45%-------- $5k
-----4.77%------ 5.60% ------ 4.60%-------- $100k
-----4.94%------ 6.60% ------ 4.60%-------- Special

6 Years
9,8,7,6,5,4,0%
+/-MVA

2.00% 0-90
.40% 91-100

Sure Advantage 6
West Coast Life
A+

-----4.62%------ 5.49% ------ 4.45%-------- $100k+
-----4.45%------ 4.45% ------ 4.45%-------- $10k+

6 Years
9,8,7,6,5,4% W Restart
30 Day Window +/- MVA

2.25% 00-75
1.00% 76-85

Keyport Value 6
SunLife
A++

-----4.25%------ 3.50% ------ Step-------- $50k+
-----4.10%------ 3.35% ------ Step-------- $5k+

6 Years
7,6,5,4,3,2,0%
+/-MVA

4.50% 00-80
1.50% 81-90

Tactician Plus 6
LBL
A+

-----4.02%------ 4.85% ------ 3.85%-------- $100k
-----3.85%------ 3.85% ------ 3.85%-------- $2k+

6 Years
8,8,8,7,6,5%
30 Day W
4,3,2,0%
+/- MVA

2.00% 00-75
1.50% 76-85
1.00% 86-90

FGA 6
The Standard
A

-----3.55%------ 3.55% ------ 3.55%-------- $100k+
-----3.45%------ 3.45% ------ 3.45%-------- $15k+

6 Years
8,7,6,5,4,3,0%
+/- MVA

2.00% 00-80
1.00% 81-85
0.77% 86-90

SRA 6
The Standard
A

-----3.30%------ 3.30% ------ 3.30%-------- $100k+
-----3.20%------ 3.20% ------ 3.20%-------- $15k+

6 Years
9,8,7,6,5,4,0%
No MVA

4.00% 00-80
2.00% 81-85
1.45% 86-90

Sure Horizon II 6yr
LBL
A+

-----3.11%------ 5.20% ------ 2.70%-------- $100K+
-----2.95%------ 4.20% ------ 2.70%-------- $3K+

6 Years
8,8,7,6,5,4,0
No MVA

4.75% 00-75
3.56% 76-85
2.37% 86-90

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

7 Year Guarantee

Sure Advantage 7
West Coast Life
A+

-----5.25%------ 6.15% ------ 5.10%-------- $100k+
-----5.10%------ 5.10% ------ 5.10%-------- $10k+

7 Years
9,8,7,6,5,4,3% W Restart
30 Day Window +/- MVA

2.50% 00-75
1.00% 76-85

Palladium 7 MYG
American National
A+

-----4.84%------ 5.70% ------ 4.70%-------- $100k+
-----4.74%------ 5.60% ------ 4.60%-------- $5k+

7 Years
8,8,8,7,6,5,4% 30 day
window 3,2,1%
+/- MVA

2.50% 00-79
0.50% 80-85

Momentum Advantage 7
Integrity
A++

-----4.75%------ 5.40% ------ 4.65%-------- $20k

7 Years
8%,8,7,7,6,6,5,0
+/- MVA

3.00% 0-79
1.00% 80-85

Keyport Value 7
SunLife
A++

-----4.40%------ 3.65% ------ StepUp-------- $50k+
-----4.25%------ 3.80% ------ StepUp-------- $5k+

7 Years
7,6,5,4,3,2,0%
+/-MVA

5.00% 00-80
1.75% 81-90

Tactician Plus 7
LBL
A+

-----3.69%------ 5.40% ------ 3.40%-------- $100K+
-----3.54%------ 4.40% ------ 3.40%-------- $2K+

7 Years
8,8,8,7,6,5,4%
30 day window 3,2,1%
+/- MVA

4.00% 00-75
3.00% 76-85
2.00% 86-90

Guarantee Choice 7
ING USA
A+

-----2.94%------ 3.80% ------ 2.80%-------- $75K+
-----2.80%------ 2.80% ------ 2.80%-------- $15K+

7 years
9,8,7,6,5,4,3,W,2,1,0%
30 Day Window +/-MVA

2.50% A0 - 80
1.50% B 1stYr
0.25% B Trail

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

8 Year Guarantee

Sure Advantage 8
West Coast Life
A+

-----5.38%------ 6.30% ------ 5.25%-------- $100k+
-----5.25%------ 5.25% ------ 5.25%-------- $10k+

8 Years
9,8,7,6,5,4,3,1% W Restart
30 Day Window +/- MVA

2.50% 00-75
1.00% 76-85

Palladium 8 MYG
American National
A+

-----5.05%------ 5.05% ------ 5.05%-------- $100k+
-----4.95%------ 4.95% ------ 4.95%-------- $5k+

8 Years
8,8,8,7,6,5,4,3% 30 day
window 2,1%
+/- MVA

2.50% 00-79
0.50% 80-85

Tactician Plus 8
LBL
A+

-----3.71%------ 5.90% ------ 3.40%-------- $100K+
-----3.59%------ 4.90% ------ 3.40%-------- $2K+

8 Years
8,8,8,7,6,5,4,3%
30 day window 2,1%
+/- MVA

4.00% 00-75
3.00% 76-85
2.00% 86-90

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

9 Year Guarantee

Sure Advantage 9
West Coast Life
A+

-----5.42%------ 6.35% ------ 5.30%-------- $100k+
-----5.30%------ 5.30% ------ 5.30%-------- $10k+

9 Years
9,8,7,6,5,4,3,1,1% W Restart
30 Day Window +/- MVA

2.50% 00-75
1.00% 76-85

Palladium 9 MYG
American National
A+

-----4.77%------ 6.55% ------ 4.55%-------- $100k+
-----4.67%------ 6.45% ------ 4.45%-------- $5k+

9 Years
8,8,8,7,6,5,4,3,2% 30 day
window 1%
+/- MVA

3.00% 00-79
1.00% 80-85

Tactician Plus 9
LBL
A+

-----4.06%------ 8.50% ------ 3.50%-------- $100K+
-----3.94%------ 7.50% ------ 3.50%-------- $2K+

9 Years
8,8,8,7,6,5,4,3,2%
30 day window 1%
+/- MVA

2.00% 00-75
1.50% 76-85
1.00% 86-90

----Product----
Company
AM Best

Yield to
Surrender

Year 1

Year 2-end
of term

Premium
Band

-----Surrender-----
Charges

-Commissions-

Hot
Comments

10 Year Guarantee

Sure Advtg 10
West Coast Life
A+

-----5.40%------ 6.35% ------ 5.30%-------- $100k+
-----5.30%------ 5.30% ------ 5.30%-------- $10k+

10 Years
9,8,7,6,5,4,3,1,1,0% W
30 Day Window +/- MVA

2.50% 00-75
1.00% 76-85

Momentum Advantage 10
Integrity
A++

-----4.97%------ 5.65% ------ 4.90%-------- $20k

10 Years
8%,8,7,7,6,6,5,5,4,4,0
+/- MVA

3.50% 0-79
1.50% 80-83

Palladium 10 MYG
American National
A+

-----4.90%------ 5.80% ------ 4.80%-------- $100k+
-----4.80%------ 5.70% ------ 4.70%-------- $5k+

10 Years
8,8,8,7,6,5,4,3,2,1,0%
+/- MVA

4.00% 00-79
2.00% 80-85

Tactician Plus 10
LBL
A+

-----4.20------ 6.00% ------ 4.00-------- $100K+
-----4.10------ 5.00% ------ 4.00-------- $2K+

10 Years
8,8,8,7,6,5,4,3,2,1,0%
+/- MVA

4.00% 00-75
3.00% 76-85
2.00% 86-90

Guarantee Choice 10
ING USA
A+

-----3.85%------ 4.75% ------ 3.75%-------- $75k+
-----3.75%------ 3.75% ------ 3.75%-------- $15k+

10 years
9,8,7,6,5,4,3,2,1,0%
+MVA

3.25% A0 - 80
2.00% B 1stYr
0.25% B Trail

For Agent or Broker/Dealer Use Only.
Products and carriers are not available in all states.
Please call IPG for current availability.
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Photographs by Peter Haigh