* Interest rates are subject to change without notice in the current environment - call 800.496.3572 to confirm rates! Traditional Annuities     Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 1 SRA 1 The Standard A -- 2.10% --- N/A -- N/A --- $100k+ -- 2.00% --- N/A -- N/A --- $15k+ 6 Years 7,7,7,6,5,3,0% No No 4.00%   00-80 2.00%   81-85 1.45%   86-90 1 Quintaflex ING Reliastar A -- 2.65% --- N/A -- N/A --- TSA -- 2.65% --- N/A -- N/A --- IRA -- 2.50% --- N/A -- N/A --- Non-Qual 5 Years 5,5,5,5,5,0% Yes Yes 1 Citadel 5 Diamond American National A -- 2.10% --- 1.10% -- N/A --- $100K+ -- 2.00% --- 1.00% -- N/A --- $5K+ 5 Years 7,7,7,6,5, 0% No No 4.00%   0-80 3.00%   81-85 1 ING Premier 3 ING Reliastar A -- 4.94% --- N/A -- N/A --- $50k+ -- 4.86% --- N/A -- N/A --- $25-50k -- 1.45% --- N/A -- N/A --- $5K+ 6 Years 9,8,7,6,5,4,0% No No 4.50%   0-65 3.40%   66-70 2.95%   71-75 2.30%   76-80 1 Premier 5 ING Reliastar A -- 5.22% --- N/A -- N/A --- $50k+ -- 4.86% --- N/A -- N/A --- $25k+ -- 1.45% --- N/A -- N/A --- $5k+ 6 Years 5, 4.75, 4.5, 4.25, 4, 3.75, 0% No No 2.00%   0-65 1.30%   66-70 0.70%   71-80 1 Pro Flex VALIC A -- 3.75% --- 1.50% -- N/A --- TSA -- 3.65% --- 1.00% -- N/A --- IRA -- 3.50% --- 1.00% -- N/A --- NQ 5 Years 5,5,5,5,5,0% No No 4.80%   00-55 3.80%   56-75 2.60%   76-85 1 Traditional Choice Royal Neighbors A- -- 2.50% --- N/A -- N/A --- $7,500 6 Years 8.5%,7.5, 7,6,4,2,0 No No 4.75%   00-75 2.45%   76-85 1 AGA 7 The Standard A -- 3.50% --- -- --- $100k+ -- 3.40% --- -- --- $15k++ 7 Years 7,6,5,4,3,2,1,0% Yes No 4.50%   00-80 2.25%   81-85 1.75%   86-90 1 SL Liberty 1 Year Genworth A -- 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 2 Citadel 7 Diamond American National A -- 3.10% --- 1.10% -- N/A --- $100K -- 3.00% --- 1.00% -- N/A --- $5K 7 Years 7,7,7,6,5,4,2,0% No No 4.50%   0-80 3.50%   81-85 2 Secure Living Independence Genworth A -- 3.55% --- 2.05% -- N/A --- $100k+ -- 3.05% --- 2.05% -- N/A --- $50k++ -- 2.55% --- 2.05% -- N/A --- $15k++ 6 years 9,9,8,7,6,5,0% No No 2.25%   00-75 1.31%   76-80 0.94%   81-85 Term Product Name Company AM Best Interest Rates Year 1--Base Avg. Yield Premium Band Surrender Charges MVA Window Commissions (remove?) Notes 3 SL Liberty 3 Year Genworth A -- 2.95% --- 2.95% -- 2.25% --- $250k -- 2.75% --- 2.75% -- 2.15% --- $100k+ -- 2.15% --- 2.15% -- 1.85% --- $15k++ -- 1.55% --- Bailout -- --- Yrs 4-6 6 Years 9,9,8,7,6,5,0% No 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 SL Liberty 5 Year Genworth A -- 2.50% --- 2.50% -- 2.35% --- $250k+ -- 2.35% --- 2.35% -- 2.22% --- $100k+ -- 1.95% --- 1.95% -- 1.88% --- $15k++ -- 1.55% --- Bailout -- --- Yr 6 6 Years 9,9,8,7,6,5,0% No No 3.00%   00-75 1.95%   76-80 1.05%   81-85