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Guaranteed Rate Annuities  
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
3Choice 3Royal Neighbors
A- / (VitalSigns)
---1.10%----1.10%---1.10%---$100k+
---1.00%----1.00%---1.00%---$50k++
3 Years
8,7,6% W 8,7,6% W 8,7,6,0%		No
Yes		1.50%   18-75
1.00%   76-85		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
5Choice 5Royal Neighbors
A- / (VitalSigns)
---1.70%----1.70%---1.70%---$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+
Client
Agent
5FGA 5The Standard
A / (VitalSigns)
---2.10%----2.10%---2.10%---$100k+
---2.00%----2.00%---2.00%---$15k+
5 Years
8,7,6,5,4,0%		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
5Rate Saver 5Genworth
A / (VitalSigns)
---1.95%----1.95%---1.95%---$250k+
---1.85%----1.85%---1.85%---$100k+
---1.65%----1.65%---1.65%---$25k++
5 Years
9,8,7,6,5% W Restart		Yes
Yes		2.00%   00-75
1.35%   76-80
0.70%   81-85		Client
Agent
5Horizon Select 5American General
A / (VitalSigns)
---1.60%----1.60%---1.60%---$5,000
5 Years
10,9,8,7,6 W 5,4,3,2,1		Yes
Yes		4.00%   00-80
3.00%   81-85		Client
Agent
5MYGuarantee 5Lincoln National
A+ / (VitalSigns)
---1.80%----1.80%---1.80%---$100k+
---1.65%----1.65%---1.65%---$10k++
5 Years
7,7,6,5,4,0%		Yes
No		2.00%   00-75
1.30%   76-80
0.75%   81-85		Client
Agent
5SRA 5The Standard
A / (VitalSigns)
---1.55%----1.55%---1.55%---$100k+
---1.45%----1.45%---1.45%---$15k+
5 Years
9,8,7,6,5,0%		No
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent
5Palladium 5 MYGAmerican National
A / (VitalSigns)
---2.10%----1.10%---1.30%---$100k+
---2.00%----1.00%---1.20%---$5k+
5 Years
8,8,8,7,6% W 5,4,3,2,1,0%		Yes
Yes		3.00%   00-79
1.00%   80-85		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
6FGA 6The Standard
A / (VitalSigns)
---2.50%----2.50%---2.50%---$100k+
---2.40%----2.40%---2.40%---$15k+
6 Years
8,7,6,5,4,3,0%		Yes
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent
6Choice 6Royal Neighbors
A- / (VitalSigns)
---2.05%----2.05---2.05%---$100k+
---2.00%----2.00%---2.05%---$20k+
6 Years
8.5, 7.5, 7,6,5,4.5,0%		No
No		2.75%   00-75
1.45%   76-85		Client
Agent
6Horizon AchieverAmerican General
A / (VitalSigns)
---2.15%----2.15%---2.15%---$5,000
6 Year
10,9,8,7,6,5 W,4,3,2,1,0%		Yes
Yes		3.00%   00-80
2.00%   81-85		Client
Agent
6MYGuarantee 6Lincoln National
A+ / (VitalSigns)
---2.10%----2.10%---2.10%---$100k+
---2.00%----2.00%---2.00%---$10k++
6 Years
7,7,6,5,4,3,0%		Yes
No		2.25%   00-75
1.50%   76-80
0.75%   81-85		Client
Agent
6Palladium 6 MYGAmerican National
A / (VitalSigns)
---2.00%----2.00%---2.00%---$100k+
---1.90%----1.90%---1.90%---$5k+
6 Years
8,8,8,7,6,5% W 4,3,2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		Client
Agent
6SRA 6The Standard
A / (VitalSigns)
---1.85%----1.85%---1.85%---$100k+
---1.75%----1.75%---1.75%---$15k+
6 Years
9,8,7,6,5,4,0%		No
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
7FGA 7The Standard
A / (VitalSigns)
---2.60%----2.60%---2.60%---$100k+
---2.50%----2.50%---2.50%---$15k+
7 Years
8,7,6,5,4,3,2,0%		Yes
No		2.50%   00-80
1.25%   81-85
1.125%   86-90		Client
Agent
7Rate Saver 7Genworth
A / (VitalSigns)
---2.55%----2.55%---2.55%---$250k+
---2.45%----2.45%---2.45%---$100k+
---2.25%----2.25%---2.25%---$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		Client
Agent
7Horizon Select 7American General
A / (VitalSigns)
---2.20%----2.20%---2.20%---$5,000
7 Years
10,9,8,7,6,5,4% W 3,2,1%		Yes
Yes		4.00%   00-80
3.00%   81-85		Client
Agent
7Palladium 7 MYGAmerican National
A / (VitalSigns)
---3.15%----2.15%---2.29%---$100k+
---3.05%----2.05%---2.19%---$5k+
7 Years
8,8,8,7,6,5,4% W 3,2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		Client
Agent
7MYGuarantee 7Lincoln National
A+ / (VitalSigns)
---2.50%----2.50%---2.50%---$100k+
---2.35%----2.35%---2.35%---$10k++
7 Years
7,7,6,5,4,3,2,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent
7Guarantee Choice 7ING USA
A / (VitalSigns)
---2.50%----1.75%---1.85%---$75K+
---1.50%----1.50%---1.50%---$15K+
7 years
9,8,7,6,5,4,3% W 2,1,0%		Yes
Yes		2.50%   A0 - 80
1.50%   B 1stYr
0.25%   B Trail		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
8Palladium 8 MYGAmerican National
A / (VitalSigns)
---2.65%----2.65%---2.65%---$100k+
---2.55%----2.55%---2.55%---$5k++
8 Years
8,8,8,7,6,5,4,3% W 2,1,0%		Yes
Yes		2.50%   00-79
0.50%   80-85		Client
Agent
8MYGuarantee 8Lincoln National
A+ / (VitalSigns)
---2.55%----2.55%---2.55%---$100k+
---2.40%----2.40%---2.40%---$10k++
7 Years
7,7,6,5,4,3,2,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
9Palladium 9 MYGAmerican National
A / (VitalSigns)
---4.45%----2.45%---2.67%---$100k+
---4.35%----2.35%---2.57%---$5k+
9 Years
8,8,8,7,6,5,4,3,2% W 1,0%		Yes
Yes		3.00%   00-79
1.00%   80-85		Client
Agent
9MYGuarantee 9Lincoln National
A+ / (VitalSigns)
---2.65%----2.65%---2.65%---$100k+
---2.50%----2.50%---2.50%---$10k++
7 Years
7,7,6,5,4,3,2,0,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
10Steady ChoiceRoyal Neighbors
A- / (VitalSigns)
---3.00-------3.00%---$0
10 Years
10,9,8,7,6,5,4,3,2,1%		No
No		5.00%   00-75
2.25%   Year 2+
10FGA 10The Standard
A / (VitalSigns)
---2.70%----2.70%---2.70%---$100k+
---2.60%----2.60%---2.60%---$15k+
10 Years
8,7,6,5,4,3,2,1,1,0%		Yes
No		3.00%   00-80Client
Agent
10Palladium 10 MYGAmerican National
A / (VitalSigns)
---3.55%----2.55%---2.65%---$100k+
---3.55%----2.55%---2.55%---$5k+
10 Years
8,8,8,7,6,5,4,3,2,1,0%		Yes
Yes		4.00%   00-79
2.00%   80-85		Client
Agent
10MYGuarantee 10Lincoln National
A+ / (VitalSigns)
---2.65%----2.65%---2.65%---$100k+
---2.50%----2.50%---2.50%---$10k++
7 Years
7,7,6,5,4,3,2,0,0,0%		Yes
No		2.50%   00-75
1.60%   76-80
1.00%   81-85		Client
Agent
10Horizon Select 10American General
A / (VitalSigns)
---2.40%----2.40%---2.40%---$5,000
10 Years
10,9,8,7,6,5,4,3,2,1%		Yes
No		4.00%   00-80
3.00%   81-85		Client
Agent
10Guarantee Choice 10ING USA
A / (VitalSigns)
---2.75%----1.75%---1.85%---$75k+
---1.75%----1.75%---1.75%---$15k+
10 years
9,8,7,6,5,4,3,2,1,0%		Yes
No		3.25%   A0 - 80
2.00%   B 1stYr
0.25%   B Trail		Client
Agent