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Index Annuities    
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
5Secure 5ING USA
A / (VitalSigns)		Annual Reset
-S&P--- 100%---2.75%---No---$75k+
-S&P---100%---2.25%---No---$75k+
5 Years
8,7.5,6.5, 5.5,4.5,0%		Yes
0.65%		No
No		4.00%   00-80Client
Agent
5OptiChoice 5Lincoln National
A+ / (VitalSigns)		Annual Reset
-S&P--- 100%---2.50%---No---$100k
-S&P---100%---2.50%---No---$2k++
5 Years
9,8,7,6,5		Yes
0.40%		Yes
No		5.00%   00-75
3.75%   76-80
2.50%   81-85		Client
Agent
5IGA 5The Standard
A / (VitalSigns)		Annual Reset w/Bailout
-S&P--- 100%---2.55%---No---$100k+
-S&P---100%---2.00%---No---$15k+
5 Years
8,7,6,4,2,0%		No
N/A		No
No		4.00%   00-80
2.25%   81-85
1.85%   86-90		Client
Agent
5ISA 5The Standard
A / (VitalSigns)		Annual Reset
-S&P--- 100%---4.25%---No---$100k+
-S&P---100%---4.00%---No---$15k+
5 Years
7,6,5,4,2,0%		No
N/A		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
6ANICO Equity Indexed AnnuityAmerican National
A / (VitalSigns)		Annual Point-to-Point
-S&P--- 100%---3.50%---N/A---$10k+
6 Years
8%,8,7,6,4,2,0		No
No
No		5.00%   00-79
3.00%   80-85		Client
6New Directions 6Lincoln National
A+ / (VitalSigns)		Annual Perf. Trigger or
2Yr Pt to Pt
-S&P--- 100%---3.00%--- No---$100k+
-S&P---100%---2.65%--- No---$10k++
-S&P---100%---7.00%---No---$100k+
-S&P---100%---7.00%---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		Client
Agent
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
7Vision Advantage 7American General
A / (VitalSigns)		Annual Reset
-S&P--- 100%---2.50%---No---$15k+
-S&P---80%---2.75%---No---$15k+
-S&P---25%---N/A---No---$15k+
7 Years
9,8,7,6,5,4,3,0%		No
N/A		Yes
No		6.00%   00-75
5.00%   76-85		Client
Agent
7Secure 7ING USA
A / (VitalSigns)		Annual Reset
-S&P--- 100%---4.25%---No---$75k+
-S&P---100%---3.25%---No---$15k+
7 Years
10,10,10, 10,9,8,7,0%		Yes
0.60%		No
No		5.00%   A-80Client
Agent
7OptiChoice 7Lincoln National
A+ / (VitalSigns)		Annual Reset
- S&P--- 100%---2.50%---No---$100k
-S&P---100%---2.50%---No---$2k++
7 Years
9,8,7,6,5,4,3		Yes
0.40%		Yes
No		6.00%   00-75
4.50%   76-80
3.00%   81-85		Client
Agent
7IGA 7The Standard
A / (VitalSigns)		Annual Reset w/Bailout
-S&P--- 100%---3.35%---No---$100k+
-S&P---100%---2.75%---No---$15k+
7 Years
9,8,7,6,5,4,2,0%		No
N/A		No
No		5.00%   00-80
2.75%   81-85
2.25%   86-90		Client
Agent
7ISA 7The Standard
A / (VitalSigns)		Annual Reset
-S&P--- 100%---4.75%---No---$100k+
-S&P---100%---4.40%---No---$15k+
7 Years
7,6,5,4,3,2,1,0%		No
N/A		Yes
No		4.00%   00-80
2.00%   81-85
1.45%   86-90		Client
Agent
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
8New Directions 8Lincoln National
A+ / (VitalSigns)		Annual Perf. Trigger or 2Yr Pt to Pt
-S&P--- 100%---3.50%--- No---$100k+
-S&P---100%---3.15%--- No---$10k++
-S&P---100%---8.25%---No---$100k+
-S&P---100%---7.60%---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		Client
Agent
8OptiPoint 8Lincoln National
A+ / (VitalSigns)		Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt
-S&P--- 100%---2.50%---3%-4%---$5k++
-S&P---100%---2.30%---3%-4%---$5k++
-S&P---100%---7.00%---3%-4%---$5k++
8 Years
9,8,7,6,5,4,3,2,0%		No
Yes
No		3.00%   00-75
2.00%   76-80
1.00%   81-85		Client
Agent
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
9Vision Advantage 9American General
A / (VitalSigns)		Annual Reset
-S&P--- 100%---3.50%---No---$15k+
-S&P---80%---3.75%---No---$15k+
-S&P---30%---N/A---No---$15k+
9 Years
10,9,8,7,6,5,4,3,2,0%		No
N/A		Yes
No		6.00%   00-75
5.00%   76-80		Client
Agent
9Envoy 9ING USA
A / (VitalSigns)		Annual Reset
-Blend--- 100%---3.50%---No---$75k+
-Blend---100%---2.50%---No---$15k+
9 Years
9,9,9,9,8, 7,6,5,4,0%		Yes
0.65%		Yes
No		6.50%   00-80Client
Agent
9OptiChoice 9Lincoln National
A+ / (VitalSigns)		Annual Reset
-S&P--- 100%---2.50%---No---$100k
-S&P---100%---2.50%---No---$2k++
9 Years
9,8,7,6,5,4,3,2,1		Yes
0.40%		Yes
No		7.00%   00-75
5.25%   76-80		Client
Agent
Term Product
Name		 Company
AM Best		 Credit
Method
Index
Used		Part
Rate		CapBonusPrem
Band
 Surrender
Charge		 Inc Rider
Cost		 MVA
Window		 Commissions Sales
Lit		 Notes
10Secure Living Index 10 PlusGenworth
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		Client
Agent
10Opportunities+ING USA
A / (VitalSigns)		Annual Reset w/Cap
-S&P--- 100%---3.00%---5.00%---$75k+
-S&P---100%---2.00%---5.00%---$15k+
10 Years
10,10,10,10, 9,8,7,6,5,4,0%		Yes
0.40%		No
No		7.00%   00-80Client
Agent
10OptiPoint 10Lincoln National
A+ / (VitalSigns)		Performance Trigger, 2-Year Monthly Pt to Pt, 2-Year Pt to Pt
-S&P--- 100%---2.50%---4%-5%---$5k++
-S&P---100%---2.30%---4%-5%---$5k++
-S&P---100%---7.00%---4%-5%---$5k++
10 Years
10,9,8,7,6, 5,4,3,2,1,0%		No
Yes
No		3.50%   00-75
2.40%   76-80		Client
Agent