* Interest rates are subject to change without notice in the current environment - call 800.496.3572 to confirm rates! Immediate Annuities   Carrier American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life AM Best Rating VitalSigns Financials Maximum Premium Minimum Premium Agent Sales Literature Client Sales Literature A A A A+ A+ A+ A A+ VitalSigns VitalSigns VitalSigns VitalSigns VitalSigns VitalSigns VitalSigns VitalSigns 0 $1,000,000 $2,500,000 0 $1,000,000 0 $1,000,000 $1,000,000 0 $15,000 $5,000 0 $20,000 0 $15,000 $15,000 Agent Agent Agent Agent Agent Client Client Client Client Client Options and Riders   American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life Annual Increase Feature Inflation Indexed Payout Commutation Feature Avail Impaired Risk SPIA Available Period Certain Years Certain Duration Increments Life w/Installment Refund Life w/Cash Refund Advance Income SPDA Annuitization Payouts at Current Rates State Approvals: Not Available in Yes Yes Yes Yes Yes Yes Yes Yes Yes No No Yes No Yes No No Yes No Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes 0 5-20 Years 5-50 Years 0 5-20 Years 0 5-40 Years 4-30 Years 0 1 Year 1 Month 0 1 Month 0 1 Month 1 Month Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes 0 No Yes 12 Mos 0 No 0 No No Yes No Yes Yes Yes Yes Yes Yes NY MS MT NY NY OR PA TX NY Sample Payouts for Each Carrier Monthly payments based on $100,000 non-qualified deposit in a non-premium tax state. Payments are proportional to a $100,000 deposit (so for $50,000 deposit, divide payment by 2). Factors shown are used for estimates only. Because the annuity factors are subject to change by the companies daily...PLEASE CALL FOR ACTUAL QUOTES. Life Only Male AGE American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life Payouts Last Updated 0 2/24/2011 02/24/2011 0 02/24/2011 0 2-24-2011 2/24/2011 LIFE ONLY MALE 60 LIFE ONLY MALE 65 LIFE ONLY MALE 70 LIFE ONLY MALE 75 LIFE ONLY MALE 80 LIFE ONLY MALE 85 $0 $550 $540 $0 $559 $0 $519 $550 $0 $620 $597 $0 $618 $0 $568 $614 $0 $703 $678 $0 $703 $0 $631 $702 $0 $824 $791 $0 $824 $0 $714 $792 $0 $935 $940 $0 $999 $0 $821 $953 $0 $1213 $1116 $0 $0 $0 $959 $1126 Life Only Female AGE American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life LIFE ONLY FEMALE 60 LIFE ONLY FEMALE 65 LIFE ONLY FEMALE 70 LIFE ONLY FEMALE 75 LIFE ONLY FEMALE 80 LIFE ONLY FEMALE 85 $0 $515 $519 $0 $531 $0 $496 $522 $0 $569 $566 $0 $578 $0 $539 $577 $0 $641 $635 $0 $649 $0 $596 $653 $0 $749 $738 $0 $759 $0 $675 $736 $0 $852 $885 $0 $927 $0 $782 $892 $0 $1132 $1078 $0 $0 $0 $926 $1073 Joint & 100% Survivor AGE American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life JOINT SURVIVOR 60 JOINT SURVIVOR 65 JOINT SURVIVOR 70 JOINT SURVIVOR 75 JOINT SURVIVOR 80 JOINT SURVIVOR 85 $0 $0 $462 $0 $485 $0 $459 $472 $0 $0 $489 $0 $516 $0 $490 $512 $0 $0 $529 $0 $564 $0 $532 $568 $0 $0 $590 $0 $637 $0 $587 $619 $0 $0 $681 $0 $746 $0 $659 $727 $0 $0 $813 $0 $0 $0 $753 $835 Period Certain YEARS American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life PERIOD 5 YEARS PERIOD 10 YEARS PERIOD 15 YEARS PERIOD 20 YEARS PERIOD 25 YEARS PERIOD 30 YEARS $0 $1669 $1676 $0 $1655 $0 $1691 $0 $0 $921 $944 $0 $916 $0 $956 $928 $0 $691 $707 $0 $687 $0 $721 $701 $0 $581 $584 $0 $576 $0 $616 $599 $0 $526 $516 $0 $0 $0 $549 $526 $0 $476 $478 $0 $0 $0 $510 $480 Commission Schedules and Issue Ages Carrier American General American National Genworth Integrity Lincoln National Minnesota Life The Standard West Coast Life 5 Year Certain Only 61-119 Month Certain Only 10+ Year Certain Only Life Contigencies 1  1 1  1 1.50%  00-90 3.00%  00-95 1  1 3.00%  00-95 1  1 3.00%  00-90 1  1 1  1 1.50%  00-90 3.00%  00-90 1  1 3.00%  00-95 1  1 3.00%  00-90 3.00%  00-90 1  1 1  1 3.00%  00-84 1.50%  85-90 3.00%  00-90 1  1 3.00%  00-95 1  1 3.00%  00-90 3.00%  00-90 1  1 1  1 3.00%  00-84 1.50%  85-90 1.125%  00-95 1  1 3.00%  00-95 1  1 3.00%  00-90 3.00%  00-90