* 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 Notes 5 Secure 5 ING USA A / (VitalSigns) Annual Reset ----S&P--- 100%----5.25% ----No -----$75k+ ----S&P--- 100%----4.75% ----No -----$75k+ ----S&P--- 100%----4.25% ----Yes -----$15k+ ----S&P--- 100%----3.75% ----Yes -----$15k+ 5 Years 8,7.5,6.5, 5.5,4.5,0% Yes 0.40% No No 4.00%   00-80 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 6 New Directions 6 Lincoln National A+ / (VitalSigns) Annual Perf. Trigger or 2Yr Pt to Pt ----S&P--- 100%----5.15% ---- No -----$100k+ ----S&P--- 100%----4.80% ---- No -----$10k++ ----S&P--- 100%----12.35% ----No -----$100k+ ----S&P--- 100%----11.35% ----No -----$10k++ 6 Years 9,8,7,6,5,4,0% Yes 0.40% Yes No 3.50%   00-75 2.75%   76-80 1.75%   81-85 Term Product Name Company AM Best Credit Method Index Used Part Rate Cap Bonus Prem Band Surrender Charge Inc Rider Cost MVA Window Commissions Notes 7 Secure 7 ING USA A / (VitalSigns) Annual Reset ----S&P--- 100%----6.75% ----No -----$75k+ ----S&P--- 100%----5.75% ----No -----$15k+ 7 Years 10,10,10, 10,9,8,7,0% Yes 0.40% 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 Notes 8 New Directions 8 Lincoln National A+ / (VitalSigns) Annual Perf. Trigger or 2Yr Pt to Pt ----S&P--- 100%----5.60% ---- No -----$100k+ ----S&P--- 100%----5.35% ---- No -----$10k++ ----S&P--- 100%----13.50% ----No -----$100k+ ----S&P--- 100%----12.75% ----No -----$10k++ 8 Years 9,8,7,6,5, 4,2,1,0% Yes 0.40% Yes No 4.50%   00-75 3.50%   76-80 2.25%   81-85 Printable Version   Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 1 Smart Rate 1 Genworth A / (VitalSigns) ---4.00%----N/A---N/A---$100k+ ---3.50%----N/A---N/A---$50k++ ---3.00%----N/A---N/A---$5,000 7 Years 7,7,7,6,5,4,3,0% No No 4.50%   00-75 2.70%   76-80 1.50%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 3 Regal Choice 3 Royal Neighbors A- / (VitalSigns) ---2.10%----2.10%---2.10%---$100k+ ---2.00%----2.00%---2.00%--- $50k++ 3 Years 8,7,6%u>W8,7,6%u>W8,7,6,0% No Yes 2.00%   18-75 1.50%   76-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 5 Neighbors Choice Royal Neighbors A- / (VitalSigns) ---3.50%----3.50%---3.50%---$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 Notes 6 Crown Choice Royal Neighbors A- / (VitalSigns) ---3.50%----3.50%---3.50%---$100k+ ---3.40%----3.40%---3.40%---$20k+ 6 Years 8.5, 7.5, 7,6,5,4.5,0 No No 2.75%   00-75 1.45%   76-85 6 FGA 6 The Standard A / (VitalSigns) ---3.20%----3.20%---3.20%---$100k+ ---3.10%----3.10%---3.10%---$15k+ 6 Years 8,7,6,5,4,3,0% Yes No 2.00%   00-80 1.00%   81-85 0.77%   86-90 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions Notes 7 Rate Saver 7 Genworth A / (VitalSigns) ---3.60%----3.60%---3.60%---$250k+ ---3.50%----3.50%---3.50%---$100k+ ---3.35%----3.35%---3.35%---$25k++ 7 Years 9,8,7,6,5,4,3% W Restart Yes Yes 2.75%   00-75 2.15%   76-80 1.50%   81-85