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Traditional Annuities  
Term Product
Name		 Company
AM Best
Interest Rates
Year 1--Base		Avg.
Yield		Premium
Band
 Surrender
Charges		 MVA
Window		 Commissions Sales
Lit		 Notes
1SRA 1The Standard
A / (VitalSigns)
---2.60%----N/A---N/A---$100k+
---2.50%----N/A---N/A---$15k+
6 Years
7,7,7,6,5,3,0%		No
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent
1Citadel 5 DiamondAmerican National
A / (VitalSigns)
---2.20%----1.20%---N/A---$100K+
---2.10%----1.10%---N/A---$5K+
 5 Years
7,7,7,6,5, 0%		No
No		3.00%   0-80
2.00%   81-85		Client
1PGA 5The Standard
A / (VitalSigns)
---2.35%----N/A---N/A---$100k+
---2.25%----N/A---N/A---$5k+
5 Years
8,7,6,5,4,2,0%		No
No		2.00%   00-80
1.00%   81-85
0.77%   86-90		Client
Agent
1PGA 7The Standard
A / (VitalSigns)
---2.50%----N/A---N/A---$100k+
---2.40%----N/A---N/A---$5k+
7 Years
9,8,7,6,5,4,2,0%		No
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
1PGA 9The Standard
A / (VitalSigns)
---2.35%----N/A---N/A---$100k+
---2.25%----N/A---N/A---$5k+
9 Years
9,8,7,6,5,4,3,2,1,0%		No
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
1FRA 7The Standard
A / (VitalSigns)
---3.95%----N/A---N/A---$100k+
---3.85%----N/A---N/A---$15k+
7 Years
9,8,7,6,5,4,2,0%		No
No		1.00%   00-80
0.50%   81-85
0.40%   86-90		Client
Agent
1AGA 5The Standard
A / (VitalSigns)
---3.75%----N/A---N/A---$100k+
---3.65%----N/A---N/A---$15k++
5 Years
7,6,5,4,2,0%		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
1AGA 7The Standard
A / (VitalSigns)
---3.90%----N/A---N/A---$100k+
---3.80%----N/A---N/A---$15k++
7 Years
7,6,5,4,3,2,1,0%		Yes
No		3.00%   00-80
1.50%   81-85
1.35%   86-90		Client
Agent
1SL Liberty
1 Year		Genworth
A / (VitalSigns)
---4.70%----1.35%---1.90%---$250k+
---3.95%----1.35%---1.78%---$100k+
---2.95%----1.35%---1.61%---$15k++
-------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		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
2Citadel 7 DiamondAmerican National
A / (VitalSigns)
---3.35%----1.35%---N/A--- $100K
---3.25%----1.25%---N/A---$5K
7 Years
7,7,7,6,5,4,2,0%		No
No		3.50%   0-80
2.50%   81-85		Client
2Secure Living
Independence		Genworth
A / (VitalSigns)
---3.65%----2.15%---N/A---$100k+
---3.15%----2.15%---N/A---$50k++
---2.65%----2.15%---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 Sales
Lit		 Notes
3SL Liberty
3 Year		Genworth
A / (VitalSigns)
---2.75%----2.75%---2.00%---$250k
---2.55%----2.55%---1.90%---$100k+
---1.95%----1.95%---1.60%---$15k++
---1.25%----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		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
5SL Liberty
5 Year		Genworth
A / (VitalSigns)
---2.15%----2.15%---1.97%---$250k+
---2.00%----2.00%---1.85%---$100k+
---1.60%----1.60%---1.52%---$15k++
---1.10%----------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		Client
Agent