* Interest rates are subject to change without notice in the current environment - call 800.496.3572 to confirm rates! Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions (remove?) Notes 7 Secure Living Index 7 Genworth A / (VitalSigns) Annual Reset ----S&P--- 100%----4.20% ----N/A -----$250k+ ----S&P--- 100%----4.00% ----N/A -----$100k+ ----S&P--- 100%----3.50% ----N/A -----$25k+ 7 Years 9,9,8,7,6,5,4,0% Yes Yes No 5.00%   00-75 3.50%   76-80 2.00%   81-85 7 Secure 7 ING USA A / (VitalSigns) Annual Reset ----S&P--- 100%----5.50% ----No -----$75k+ ----S&P--- 100%----4.25% ----No -----$15k+ 7 Years 10,10,10, 10,9,8,7,0% Yes 0.60% No No 5.00%   A-80 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions (remove?) Notes 10 Secure Living Index 10 Plus Genworth A / (VitalSigns) Annual Reset ----S&P--- 100%----3.20% ----5.00% -----$250k+ ----S&P--- 100%----3.00% ----5.00% -----$100k+ ----S&P--- 100%----2.50% ----5.00% -----$25k+ 10 Years 9,9,8,7,6,5,4,3,2,1,0% Yes Yes No 7.00%   00-75 5.00%   76-80 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 1 SL Liberty 1 Year Genworth A / (VitalSigns) -- 4.80% --- 1.55% -- 2.08% --- $250k+ -- 4.05% --- 1.55% -- 1.96% --- $100k+ -- 3.05% --- 1.55% -- 1.80% --- $15k++ -- 1.55% --- Bailout -- --- Yrs 2-6 6 Years 9,9,8,7,6,5,0% Yes No 3.00%   00-75 1.95%   76-80 1.05%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 5 Choice 5 Royal Neighbors A- / (VitalSigns) -- 2.20% --- 2.20%-- 2.20% --- $10k+ 5 years 8.5,7.5,7,6,4,0% No No 1.75%   18-75 2.00%   $100k+ 1.45%   76-85 1.70%   $100k+ Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 6 Choice 6 Royal Neighbors A- / (VitalSigns) -- 2.45% --- 2.45%-- 2.45% --- $100k+ -- 2.20% --- 2.20% -- 2.20% --- $20k+ 6 Years 8.5, 7.5, 7,6,5,4.5,0% No No 2.75%   00-75 1.45%   76-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 10 Steady Choice Royal Neighbors A- / (VitalSigns) -- 3.25% --- 3.00% -- 3.02% --- $100 10 Years 10,9,8,7,6,5,4,3,2,1% No No 5.00%   00-75 2.25%   Year 2+