Premium Bonus!!! Marketers FIA... · 2020. 5. 27. · • Income Rider! • 2 Year Monthly Average Cap at 8.00% (Rates if Income Rider Not Elected) FEEL THE POWER MarketPower Bonus

(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.

Annuity Product Reference GuideINDEXED

May

OPEN HERE!Your potential annuity

sales await!

2020Last Updated

05/26/20

Contact us Today!www.lifemarketers.com

Cary Stancil [email protected] Lisa Stancil [email protected] Jessica Munroe [email protected]

800-800-897-5446 804-897-5448 (Fax)

• 10%PremiumBonus!• PremiumBonusVestedDay1• 5IndexstrategiesandFixedAccountat1.50%• 10%AnnualFreeWithdrawalsAfterFirstYear• FullAccountValueatDeath

• 14yearsurrenderchargeschedule• NursingHomeWaiverandTerminalIllnessRider• 6.00%rolluprateforupto10yearsonOptional• IncomeRider!• 2YearMonthlyAverageCapat8.00%(Ratesif

IncomeRiderNotElected)

FEEL THE POWER

MarketPowerBonusIndex®

PremiumBonus!!!

10.00%

EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B++ by A.M. Best Company for its relative financial strength and ability to meet its obligations to policyholders. Surrender of the policy may be subject to a surrender charge and market value adjustment. Withdrawals may be subject to federal income tax and a 10% IRS penalty prior to age 59 1/2. Withdrawals do not participate in index returns. Product not available in all states. EquiTrust Life Insur-ance Company, West Des Moines, IA. Contract is issued on Contract Form Series ET-MPP-2000 (02-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05). FOR PRODUCER USE ONLY.AC18-MPP-1123

Callustoday!

from EquiTrust Life Insurance Company®

3 INDEXEDANNUITIES4 GUARANTEEINCOMERIDER(BENEFITLIVING)COMPARISON5-6 AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(888)221-1234

6-7 AMERICANGENERALLIFECOMPANIES* PoliciesissuedbyAmericanGeneralLifeandUnitedStatesLife(NYonly) A.M.BestRating*=A(excellent)(888)438-6933

14 AMERICANNATIONALINSURANCECOMPANY A.M.BestRating=A(excellent)(800)835-5320

8-9 ATHENEANNUITY&LIFEASSURANCECOMPANY A.M.BestRating=A(excellent)(855)428-4363,option1

10 ATLANTICCOASTLIFEINSURANCECOMPANY A.M.BestRating=B++(good)(844)442-3847

11-12 EQUITABLELIFE&CASUALTYINSURANCECOMPANY A.M.BestRating=B+(good)(800)352-5121

13 EQUITRUSTLIFEINSURANCECOMPANY A.M.BestRating=B++(good)(866)598-3694

14 GLOBALATLANTICFINANCIALGROUP A.M.BestRating=A(excellent)(866)645-2449

15-18 GREATAMERICANLIFEINSURANCECOMPANY A.M.BestRating=A(excellent)(800)438-3398x11999

18 GUGGENHEIMLIFE&ANNUITYCOMPANY A.M.BestRating=B++(good)(800)767-7749

19 LINCOLNFINANCIALGROUP A.M.BestRating=A+(superior)(800)238-6252

20-21 NASSAURECOMPANY A.M.BestRating=B+(good)888-794-4447

22-25 NORTHAMERICANCOMPANYFORLIFEANDHEALTH A.M.BestRating=A+(superior)(877)586-0242x35676

26 OXFORDLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(800)308-2318

27 PROTECTIVELIFEINSURANCECOMPANY A.M.BestRating=A+(superior)(800)421-5614

25 SAGICORLIFEINSURANCECOMPANY A.M.BestRating=A-(excellent)(888)724-4267x6180

Table of Contents - Company Overviews


*ThemostprominentindependentratingsagenciescontinuetorecognizeAmericanGeneralLifeInsuranceCompanyintermsofinsurerfinancialstrength.Forcurrentinsurerfinancialstrengthratings,pleaseconsultourInternetWebpage,www.amer-icangeneral.com/ratings.SeeAdvertisingDisclosuresforadditionalinformation.

2

IndexedAnnuitiesCompany ProductName Bonus Design Cap Fixed

Rate

S&P500Participation

Rate

MinimumSurrenderValue

SurrenderChargePeriod

5yeartermSagicorLife SageSecure5($25,000-$100,000) 0.00% 2 3.05% 1.55% 100%FirstYear 1.00%on100% 5yearsGreatAmericanLife AmericanLandmark5 0.00% 2 4.15% 1.60% 100%FirstYear 1.00%on87.5% 5yearsOxfordLife SeriesSelect 0.00% 2 4.40% 1.90% 100%FirstYear 1.00%on87.5% 5years6yeartermProtectiveLife ProtectiveAssetBuilder 0.00% 2 3.55% 1.60% 100%FirstYear 1.00%on100% 6years7yeartermEquitableLife TetonBonus7 5.00% 2 3.25% 1.60% 100%FirstYear 1.00%on87.5% 7yearsAmericanNational StrategyPlus-7 1.00% 2 3.40% 1.90% 100%FirstYear 1.00%on87.5% 7yearsAtheneAnnuity PerformanceElite-7 0.00% 2 4.00% 1.50% 100%FirstYear 1.00%on100% 7yearsGlobalAtlantic ChoiceAccumulationII 0.00% 2 2.75% 1.25% 100%FirstYear 1.00%on100% 7years8yeartermNorthAmerican PerformanceChoice8 0.00% 2 3.90% 1.90% 100%FirstYear 1.00%on87.5% 8years9yeartermSagicorLife SageSelect-9 4.00% 1 2.00% 1.50% 100%FirstYear 3.00%on87.5% 9years10yeartermAtheneAnnuity PerformanceElite-10 3.00% 2 3.50% 1.40% 100%FirstYear 1.00%on87.5% 10yearsGuggenheim Highlander 4.00% 2 3.50% 2.00% 100%FirstYear 1.00%on100% 10yearsEquitableLife TetonBonus10 7.00% 2 4.00% 1.85% 100%FirstYear 1.00%on87.5% 10yearsEquiTrustLife MarketValueEIA 0.00% 7 13.00% 3.00% 100%FirstYear 2.00%on87.5% 10yearsAmericanNational StrategyPlus-10 1.00% 2 3.50% 2.00% 100%FirstYear 1.00%on87.5% 10yearsGreatAmericanLife SafeReturn 0.00% 2 3.00% 1.20% 100%ForTerm 1.00%on100% 10yearsNorthAmerican CharterPlus-10 6.00%for7yrs 2 2.50% 1.10% 100%FirstYear 1.00%on87.5% 10yearsNorthAmerican VersaChoice 0.00% 2 3.50% 1.70% 100%FirstYear 1.00%on100% 10yearsGlobalAtlantic ChoiceAccumulationII 0.00% 2 2.95% 1.35% 100%FirstYear 1.00%on100% 10yearsEquiTrustLife Market10Bonus 6.00%for5yrs 7 7.00% 2.00% 100%FirstYear 1.00%on100% 10yearsOxfordLife RoyalSelect 8.00% 2 3.30% 1.30% 100%FirstYear 1.00%on87.5% 10years14yeartermEquiTrustLife MarketPowerBonus 10.00% 7 8.00% 2.25% 100%FirstYear 2.00%on87.5% 14yearsNorthAmerican CharterPlus-14 8.00%for7yrs 2 3.00% 1.30% 100%FirstYear 1.00%on87.5% 14yearsEquitableLife TetonBonus14 10.00% 2 4.25% 2.10% 100%FirstYear 1.00%on87.5% 14years

1 = Monthly Average Annual Reset 2 = Annual Point to Point Reset 3 = Point to Point 4 = Monthly Point to Point Annual Reset 5 = Monthly Cap Annual Reset 6 = High Water Rolling for Monthly Term7 = 2 year Monthly Average 8 = Trigger Point 9 = 18 Monthly Average *RATES AND COMMISSIONS SUBJECT TO CHANGE. CHECK INDIVIDUAL COMMISSION SCHEDULES FOR GUARANTEED ACCURACY AND DESCRIPTIONS !!!* Call for state approvals.

(A)6.00% day 1, 2.00% 1st anniversary yr., 2.00% 2nd anniversary yr., 2.00% 3rd Anniversary Yr.

(B) 4.00% year 1, 2.00% 1st anniversary yr., 1.00% 2nd anniversary yr..


3

(Lower Band Rates Shown)UpdatedMay26,2020

American General

American National

Athene Annuity

AtlanticCoast Life EquiTrust EquiTrust EquiTrust EquiTrust Great

American GuggenheimLincoln

Financial Group

Nassau RE Oxford Life

Lifetime Income

Plus Flex

Strategy Plus

Income Rider

AscentIncome

RiderOption 1

ACL Income Rider

Market Value

IR

MarketTenIR

MarketSeven

IR

Market Power

IR

Income Secure

Lifetime Withdrawal

Rider

LincolnLifetime Income

Edge

Income Strategy

TomorrowGLWB

Roll-up Rate in Accumulation Period

5.75% for 10 years

7.20% 10 years or

4.20% plus interest for

10 years

20% income base bonus10% Simple

yrs 1-105% Simple yrs 11-20

7% for 10 years

Plus an additional 1% in first

year

10% Income Base Bonus 4% Roll Up

Plus Credited Rate for 10

Years

6.50% for 10 years

7.00% for 7 years

7.00% for 7 years

Plus a 7% Benefit Base

Bonus!

7% Simple Interest for 10

years

10% Income Base Bonus, 4% roll-up + stacking

credits for 20 years

Step-up Benefit factor*

5% minimumfor 10 years

14.00% Simple

Interest for 10 years

7.15% annually

for first ten policy years

Interest Credited Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually

Income W/D Multiplier - Confinement Feature(See Contract for Qualifying Confine-ment Criteria)

No No

Yes180 days of

confinement, Not available in all states

No Yes Based on ADL’s

Yes Based on ADL’s

Yes Based on ADL’s

Yes Based on ADL’s No No

10% of Income Base

Annually Check State Availability

No Yes

Start Stop Option Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

Rider Charge(calculated annually against the IAV, deducted monthly from AV)

1.00% 0.90%

0.60% with stacking

1.00% 1.05% 0.95% 1.00% 1.25% 1.25% 0.95% 0.90% 0.95% 0.95% 0.95%

Increasing Benefit Option Yes No Yes No No No No No No No No No No

Guaranteed Payments for Life

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

Withdrawal Phase Waiting Period

1 Year and 60 year old

1 year and 50 year old Age 50 Age 55 1 Years and

50 year old1 Years and 50 year old

1 Years and 50 year old

1 Years and 50 year old 55 year old 1 Year and 60

year old Age 50 Age 50 1 Year and50 year old

Rider Charge Refund No No No No No No No No Yes No No No No

Account Available at DeathNo No No No No No No No No No No No Yes

Joint Lifetime Withdrawal Option available Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

State Availability

All except: NY

All except: CA, NY

All except: NY

All except: NJ, NY, WA

All except: NY

All except: NY

All except: NY, OR

All except: CA, DE, NY

All except: NY, WA

All except: NY

All except: NY See Page 22

All except: AL, NY, VT, WV (MT &

CA for some products)

Issue Ages50-75 40-80 35-80 45-80 40-80 40-80 40-85 40-75 45-85 45-80 35-85 0-80 50+

Guarantee Income Rider (Living Benefit) Comparison

For Agent Use Only.Not for Use with the Public.

4

Option to add 10 more years available!

Temporarily Suspended

INDEXED CurrentInterest

GuaranteedInterest

MinimumPremium

WithdrawalProvisions

SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

BonusGold

10%PremiumBonusonall1styearpremiums

MinimumGuaranteedInterest:

Currently1.75%

MGIRissetatissueandguaranteedfor

thelifeofthecontract.

80%of1styearpremiumpluspremiumbonusplus87.5%

additionalpremium,lesswithdrawal

proceeds,atMGIR,compoundedannually.

Minimum:$5,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnu-

ally,StartingYr2.SystematicW/D&RMDImmediatelyfromFixedValue.3

16years(20,19.5,19,18.5,18,17.5,17,16,15,14,12,10,8,6,4,

2,0%)

DE-17year

18-80QandNQ

FLONLY18-64Q&

NQ

N

AK,CA,CT,DE,MN,MT,NV,NY,OH,OK,OR,PA,SC,TX,UT,WA,NJ

RetirementGold

8%PremiumBonusonall1styearpremiums

IN(8%ages18-73,5%ages74-78)


Currently1.75%

MGIRissetatissueandguaranteedfor

thelifeofthecontract.

87.5%ofpremiumspaidlesswithdrawalproceeds,atMGIR,compoundedannually

Minimum:$5,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnually,

StartingYr2.Sys-tematicWithdrawalofinterestonlyfromtheFixedValue,availableafter30days

10years

(12.5,12,12,11,10,9,8,7,6,4,0%)

8%bonusfullyvestedafteryear14

18-78QandNQ N

AK,CA,CT,DE,FL,MN,NJ,NV,NY,OH,OK,OR,

PA,SC,TX,UT,WA

AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY(AEI)

(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

NEW

NEW

5

Cap PR AssetFee PT

S&P500®AnnualMonthlyAvgw/PR - 14% - -

S&P500AnnualMonthlyAvgw/Cap 2.25% - 0% -

S&P500AnnualPttoPtw/PR - 10% - -

S&P500AnnualPttoPtw/Cap 2.25% - 0% -

DowAnnualMonthlyAvgw/Cap 2.25% - 0% -

DowAnnualPttoPtw/Cap 2.25% - 0% -

S&P500MonthlyPttoPtw/Cap 1.60% - - -

10Yr.U.S.TreasuryBondw/Cap 2.50% - 0% -

S&P500PerformanceTrigger - - - 1.75%

BondYieldw/Cap 5.15% - 2.00% -

S&P500DividendAristocratsDRC5% - - 4.75% -

CurrentFixedValueRate1.30%

Cap PR AssetFee PT

S&P500®AnnualMonthlyAvgw/PR - 12% - -

S&P500AnnualMonthlyAvgw/Cap 2.00% - - -

S&P500AnnualPttoPtw/PR - 10% - -

S&P500AnnualPttoPtw/Cap 2.00% - - -

S&P500MonthlyPttoPtw/Cap 1.50% - 0% -

S&P500PerformanceTrigger - - - 1.50%

BondYieldw/Cap 4.65% - 2.00% -

S&P500DividendAristocratsDRC5% - - 5.25% -


RatesEffectiveasof04-03-2020


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

ChoiceSeries

6year,8year,and10yearoptions

(OptionalMVARiderAvail-able)


Currently1.75%

MinimumGuaranteedSurrenderValue:90%ofpremiums

paid,lesswithdrawalproceeds,atMGIR,compoundedannually

Minimum:$10,000

Maximum:18-69

$1,500,000

70-74$1,000,000

75-80$750,000

10%ofContractValueAnnu-

ally,StartingYr2.SystematicW/D&RMDImmediatelyfromFixedValue.3

9.20,8.00,7.00,5.50,4.00,2.50,0%(6yrs.)

9.20,8.25,7.25,6.50,5.50,4.50,3.50,2.50,

0%(8yrs.)

9.20,8.25,7.25,6.50,5.50,4.50,3.50,

2.50,1.50,0.50,0%(10yrs.)

Choice618-85

Choice818-85

Choice1018-80Qand

NQ

N

10YearCA,NY

7,8YearNY

AMERICANEQUITYINVESTMENTLIFEINSURANCECOMPANY(AEI)


6

Choice6 Cap PR Spread

S&P500AnnualPttoPtw/PR - 11% -

S&P500AnnualPttoPtw/Cap 2.75% - -

S&P500MonthlyPttoPtw/Cap 1.80% - -

S&P500DividendAristocratsDRC5% - - 4.00%















GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNot

Available

AGPowerProtector-5Annuity

>$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

PenaltyFreeWithdrawalAfterthefirstcontractyear,10%ofthepreviouscontractanniversarycontractvalue(whichincludesanyinterestcreditedonthatdate).Note:Penalty-freewithdrawalsarenotpermittedduringthefirstcontractyear,unlessitisawithdrawaloftheRMD(somestatesrequirethatthe10%penalty-freewith-

drawalbeavailableinthefirstcontractyear).

TheMinimumWithdrawalValueisequalto:87.5%ofpremiums(90%inNewJersey)lessanywithdrawals(excludinganywithdrawalchargesoranyapplicableMVAassoci-atedwiththosewithdrawals)(excludinganywithdrawalchargesoranyapplicableMVAassociatedwiththosewithdrawals)(excludinganywithdrawalchargesoranyapplicableMVAassociatedwiththosewithdrawals)accumulatedataratespecifiedinthecontract.Note1.)1.00%,asof7/1/192.)Fornon-MVAstates,“anyapplicableMVA”would

notapply

MarketValueAdjustmentAppliestoanywithdrawalsubjecttoawithdrawalchargeandannuitizationthatoccursduringthewithdrawalchargeperiod.TheMVAisappliedto

amountswithdrawnandisnotappliedtoremainingcontractvalue.Note:MVAdoesnotapplyinthefollowingstates:AK,MN,MO,OR,PA,UTandWA.

5years(8,7,6,5,4)

18-85Q&NQ Y NY

S&P500AnnualP-t-PCap 4.25% 3.25%

S&P500AnnualP-t-PPar. 20.00% 14.00%

S&P5005-YearP-t-PCap 25.00% 18.00%

Russell2000AnnualP-t-P 3.25% 2.75%

MSCIEAFEIndexAnnualP-t-P 3.50% 2.80%

PIMCOGlobalOptimaIndex1YearP-t-PPar. 40.00% 32.00%

MLStrategicBalancedIndexAnnualP-t-PPar. 72.00% 60.00%

1YearFixedAccount 1.50% 1.50%

AMERICANGENERALLIFECOMPANIES(AGLC) RatesEffectiveasof05-04-2020



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNot

Available


No Living Benefit Rider >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcontractvaluewithoutincurringanywithdrawalchargesorMVA.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwnerAcknowledg-mentandDisclosureStatementformoreinfo.NoGuaranteedLivingBenefitRideris

available.

7years(8,7,6,5,4,3,2)

0-85Q&NQ Y NY

S&P500AnnualP-t-P 4.25% 3.40%





AGPowerProtector-7PlusAnnuity

W/Lifetime Income Plus >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcon-tractvaluewithoutincurringanywithdrawalchargesorMVA.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwnerAcknowledgment

andDisclosureStatementformoreinfo.GuaranteedLivingBenefitRiderisavailable.

7years(8,7,6,5,4,3,2)

0-80Q&NQ Y NY

S&P500AnnualP-t-P 2.75% 2.20%






No Living Benefit Rider >$100K <$100K

1.00%on87.5%

ofpremium

$25,000Q&NQ

Freewithdrawals:Afterthefirstcontractyear,youcantakeoutupto10%ofyourcontractvaluewithoutincurringanywithdrawalchargesorMVA.Easyaccesstoyourmoneyintimesofneedorillness:ThewithdrawalchargeandMVAmaybewaivedifyou:Arediagnosedwithaterminalillness,Haveextendedcareneeds,Areconfinedtoanursinghomeoranassistedlivingfacility.Restrictionsandlimitationsapply.Theseridersmaynotbeavailableinallstates.PleaseseeyouragentandrefertotheOwner

AcknowledgmentandDisclosureStatementformoreinfo.

NoGuaranteedLivingBeneitRiderisavailable.

10years(10,9,8,7,6,5,4,3,2,1)

0-75Q&NQ Y NY

S&P500AnnualP-t-P 4.30% 3.50%





AGPowerProtector-10PlusAnnuity

1.00%on87.5%

ofpremium

$25,000Q&NQ

Death Benefit: Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges and MVA or the Minimum withdrawal value. Free Withdrawals: After the first contract year, clients may withdraw up to 10% of the annuity value (based on the previous contract anniversary) without with-

drawal charges or MVA. No Free Withdrawals are allowed in the first contract year (unless required by state law or taken under Lifetime Income Plus or as Required Minimum Distributions). If Lifetime Income Plus is elected, clients may take out up to the maximum annual withdrawal amount (MAWA) without any company-imposed charges. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if

it is a Free Withdrawal. Terminal Illness, Extended Care and Activities of Daily Living Riders: The withdrawal charge and MVA may be waived if the contract owner: Is diagnosed with a terminal illness, has extended care needs or requires assistance with activities of daily living.These riders are no available in all states. Required Minimum Distributions (RMDs): If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimum amount of retirement income must be paid each

year beginning in the year the owner turns to age 70 1/2. These payments are known as RMDs. Withdrawal charges and MVA will not apply to RMDs attributable to a Power Index Plus contract at any time after issue, including the first contract year. RMD amounts do count against the 10% Free Withdrawal amount, thereby reducing or possibly eliminating the ability to take other Free Withdrawals within a contract year. Failure to satisfy the RMD requirements may result in a tax penalty. Clients should consult their tax advisor for more

information. Annuitization Choices: Clients can choose from five options, AKA Income plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivor annuity with 10- or 20-year period certain; 40 Life annuity with 10- or 20-year period certain; and 5) Income for a specified period (5-30 years). Cash Surrender Value: Equals the greater of the Minimum Withdrawal Value or the contract value adjusted for any MVA, optional

living benefit fee and withdrawal charge. Lifetime Income Plus is an optional guaranteed living benefit rider. The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump

sum. The Income Base is initially equal to the first eligible premium; it is increased with each additional eligible premium.

10years(10,9,8,7,6,5,4,3,2,1)

0-75Q&NQ Y NY

W/Lifetime Income Plus >$100K <$100K

S&P500AnnualP-t-P 2.75% 2.25%





AMERICANGENERALLIFECOMPANIES(AGLC)


NEW

7



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

PerformanceElite7

PLUSpremiumBonus(Moststates):6.00%

AthenePerformanceElite 7 7Plus

1.00%on87.5%ofpremium

Minimum:$10,000,($25,000in

TX)

Maxiumum:$1,000,000

10%freewithdrawalsstartinginyear1.

ElitePLUS=growth+liquidity:En-hancedpremiumbonus,upto10%freewithdrawals,availableimmediately!Upto20%freeifnowithdrawalsaretakenintheprioryear.ReturnofPremiumBenefitavailableafterthefourthcontractyear.0.95%chargesfromaccumulatedvalue

duringriderchargeperiod.

TerminalIllnessWaiverConfinementWaiverareincluded.

DeathBenefit:Greatestof(i)Accumu-latedValuewithnosurrendercharges,(ii)theMinimumGuaranteedContractValueor(iii)theReturnofPremiumBenefit(if

applicable).

7Years9%(year1)8.8%(year2)7.9%(year3)6.9%(year4)5.9%(year5)5%(year6)4%(year7)

0-83 Y NY

AnnualRiderChargeRate - 0.95%

1-yearNoCapPTPBNPParibas(PartRate) 70%


1-yearNoCapPTPNasdaqFC(PartRate) 60%


1-yearNoCapPTPAlPoweredUSEquity(PartRate) 70%


1-yearS&P500DailyRiskControl2.8%(PartRate) 35%

2-yearS&P500DailyRiskControl2.8%(AnnualSpread) 45%

1-yearPTP-S&P500(Cap) 4.00%

1-yearMonthly-S&P500(Cap) 1.35%

FixedAccountwith1-YearGuarantee 1.50%

WithdrawalChangeDuration 7Years

PerformanceElite10PremiumBonus:4.00%(MostStates)

PLUSpremiumBonus:10.00%(MostStates)

CA-7.00%



Singlepre-miumonly

Minimum:$10,000,($5,000inCT,MN,NJ,OR,PA,TX,

WA)

Maxiumum:$1,000,000




TerminalIllnessWaiver(notinCA),ConfinementWaiver(notinCAorMA)

areincluded.


applicable).

10Years(12,12,12,

11,10,9,8,7,6,4)

0-78moststates

Callforotherstates

Y

(N/AinMD,MN,MO,PA,WA)

MD,MN,MT,NY,NJ,OR,PA,WA














PerformanceElite15PremiumBonus:9.00%

PLUSpremiumBonus:15.00%

IN-14.00%OH-9.00%



$10,000

Singlepre-miumonly




TerminalIllnessWaiver(notinCA),ConfinementWaiver(notinCAorMA)

areincluded.


applicable).

15Years(15,15,14,

14,13,13,12,11,10,9,8,7,

6,5,4)

0-73Moststates

Callforotherstates

Y

(N/AinMD,MN,MO,PA,WA)

CA,CT,MN,MT,NJ,NY,OR,PA,

UT,WA














ATHENEANNUITY&LIFEASSURANCECOMPANY(ALA)

(For Agent Use Only) Not intended for soliciting annuity sales from the public.

Rates and Commissions subject to change. Check for current state approvals.

8



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

AtheneAgility 2-yearNoCapPTPBNP(PartRate) 85%

Ifattheendofyourwithdrawalchargeperiod,thetotalinterestcreditedtoyourAccumulatedValueislessthantheMinimumInterestCredit,youwillautomati-callyreceiveaone-timeinterestcreditequaltothedifference.TheMinimumInterestCreditisbaseduponapercentageofyourInitialPremiumlesswithdrawalsand

charges.

Minimum$10,000

($25,000inTX)

Maximum$1,000,000

Maximumof10%ofAccumulatedValueor10%ofInitialPremiumperyear,With-drawalsmaybesubjecttofederaland

stateincometaxandexceptundercertaincircumstances,willbesubjecttoanIRSpenaltyiftakenpriortoage591/2.

Youcanwithdrawupto100%ofyourannuity’sAccumulatedValueifthe

AnnuitantisdiagnosedwithaTerminalIllnessthatisexpectedtoresultindeathwithinone-yearandyoumeettheeligibil-ityrequirements.ThiswaiverisavailableafteryourfirstContractAnniversary.Youmaynotbediagnosedduringthefirst

Contractyear.Additionallimitationsstatevariationsandexclusionsmayapply.

PleaseseetheCertificateofDisclosureformoreinformation.

10Years(9,9,8,7,6,5,4,3,

2,1)

CA(9,8.2,7,5.9,4.8,3.6,2.5,1.3,1)

40-80 Yes NY

1-yearNoCapPTPBNP(PartRate) 60%





S&P500BailoutCapRate 0.50%




AtheneAscentPro10 2-yearNoCapPTP-BNP(ParRate) 80%


charges.

Singlepre-miumonly

Minimum:$10,000,($5,000inAK,CT,HI,MN,NJ,OR,PA,TX,UT,

WA)

Maxiumum:$1,000,000

10%freewithdrawalsperyear

Bailoutfeature!

TerminalIllnessWaiver(notinCA)

ConfinementWaiver(NotinCAorMA)

10Years(9,9,8,7,6,5,4,3,2,1) 35-80

Yes

(NoMVAinAK,HI,MN,MO,NJ,OR,PA,UT,WA)

NY

1-yearNoCapPTP-BNP(ParRate) 55%






1-yearNoCapPTPS&PDRC5%TRIndexStrategy(Par) 40%

BailoutCapRate 1.00%


AscentPro10BonusPremiumBonus:3%(askaboutvestingschedule)


charges.

$10,000

$5,000-AK,CT,HI,MN,NJ,OR,PA,TX,UT,WA

10%ofAccumulatedValueperyear.Withdrawalsmaybesubjecttofederalandstateincometaxand,exceptundercertaincircumstances,willbesubjecttoanIRSpenaltyiftakenpriortoage591/2

TerminalIllnessWaiver-Youcanwithdrawupto100%ofyourannuity’sAccumulatedValueiftheAnnuitantisdiagnosedwithaTerminalIllnessthatisexpectedtoresultindeathwithinoneyearandyoumeettheeligibilityrequire-ments.ThiswaiverisavailableafteryourfirstContractAnniversary.YoumaynotbediagnosedduringthefirstContractYear.Additionallimitations,statevariationsandexclusionsmayapply.PleaseseetheCertificateofDisclosureformore

information.

10Years12,12,12,11,10,

9,8,7,6,4(AL,AR,AZ,CO,DC,FL(ages

35-64).GA,IA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MO,MS,MT,NC,ND,NE,NH,NM,RI,

SD,TN,VA,VT,WI,WV,WY)

10Years8.3,8,7.1,6.2,5.3,4.4,3.5,2.6,

1.6,0.9(AK,CT,DE,HI,MN,NJ,NV,OH,OK,OR,PA,SC,TX,UT,WA)

10Years10,10,10,9,8,7,

6,5,4(FL)

65-80

Yes

(NoMVAinMO)

NY








1-yearNoCapPTPS&PDRC5%TRIndexStrategy(Par) 30%

BailoutCapRate 1.00%


ATHENEANNUITY&LIFEASSURANCECOMPANY(ALA)

(For Agent Use Only) Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.

9



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

RetirementPlusMultiplierAnnuity5

IndexCreditingStrategy NoRider Growth

RiderIncomeMultiplier

1.00% $5,000Q-NQ

• RMDsareavailablePenaltyFreeinallyears

• Upto5%oftheAccumulationValueisavailablePenaltyFreeafterthefirstcontractyear

• AmaximumoftwowithdrawalsareallowedeachContractYear

• Minimumwithdrawalamountof$250;Minimumaccountvalueafterwithdrawalis$2,500

10,9,8,7,6 0-85 Yes

AK,CA,CT,DE,ID,KS,ME,MI,MN,MT,NH,NJ,NY,ND,WI

GoldmanSachsMotifAgingof

AmericaDynamicBalanceIndex

1-yearwithpoint-to-pointparticipationrate 75% 125% 75%


S&P500


1-yearwithpoint-to-pointcaprate 5.0% 7.5% 5.0%




1.00% $5,000Q-NQ





10,9,8,7,6,5,4 0-85 Yes






S&P500






1.00% $5,000Q-NQ





10,9,8,7,6,5,4,3,2,1 0-85 Yes






S&P500



ATLANTICCOASTLIFEINSURANCECOMPANY(ACL) RatesEffectiveasof4-1-2020

NEW

NEW

NEW

10


GuaranteedInterest

MinimumPremium

WithdrawalProvisions SurrenderCharges Issue

Ages

MVAY=YesN=No

StatesNotAvailable

Teton7

1.00%

$10,000NQ-QMax:

$1,000,000(Largeramountswillbe

consideredwithHomeOffice

approval)

Inthe1stPolicyYear,RequiredMinimumDistributions(RMD)canbewithdrawn.Afterthe1stPolicyYear,upto5%oftheAccountValueorRMDcanbewithdrawn.Onenon-systematicfreewithdrawalallowedperyear.

Ifnowithdrawalsaretakeninagivenyear,fullyunusedfreewithdrawalscanbecarriedovertothenextpolicyyear.Themaximumcumulativefreewithdrawalamountis30%ofyouraccountvalue(asofthemostrecentpolicyanniversay).

Upto100%oftheAccountValuecanbewithdrawniftheOwnerisdiagnosedwithaTerminalIllnessthatresultsintheOwnerhavingalifeexpectancyof12monthsorlessandeligibil-ityrequirementsaremet.Availableafterthe1stPolicyYear.PleaseseetheCertificateofDisclosureformoreinformation.

-AL,AZ,AR,CO,DC,FL,GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(12,12,11,10,9,7,4)FL:65-90:(10,9,8,7,6,4,2)

-AK,MA,MO,NV,OH,OR,PA,SC,TX,UT,VT,WA

(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8)

CT-(12.5,12,11,10,9,8,7)

0-90 YCA,HI,ID,MT,NJ,NY,

VA

Teton10

1.00%

$10,000NQ-QMax:



approval)





(12,12,11,10,9,8,7,6,4,2)FL:65-90:(10,9,8,7,6,5,4,3,2,1)


(9.3,8.4,7.5,6.6,5.7,4.75)(SC-4.8),3.8,2.85(SC-2.9),1.9,.9)

CT-(12.5,12,11,10,9,8,7,6,4,2)


VA

Teton14

1.00%

$10,000NQ-QMax:



approval)




-AL,AZ,AR,CO,DC,FL(0-65),GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(14.75,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

CT-(14.25,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

0-80 Y

AK,CA,DE,HI,ID,MA,MO,MT,NV,NJ,NY,OH,PA,

RI,SC,TX,UT,VA,WA

EQUITABLELIFE&CASUALITYINSURANCECOMPANY(ELC)

11


7YearSurrenderChargeFixed Rate 2.10% 2.35%Annual P-t-P with Cap 4.25% 4.50%Annual P-t-P with Participation Rate 17.00% 20.00%

Monthly Cap 1.75% 2.00%Monthly Average with Cap 3.75% 4.00%Monthly Average withParticipation Rate 27.00% 28.00%

Monthly Average with Spread 7.50% 7.25%Barclays Atlas 5 AP2P PR 95.00% 100.00%Barclays Atlas 5 AP2P Spread 0.25% 0.00%Barclays Atlas 5 Boost N/A N/A

AK, DE, MA,MO, NV, OH, OR, PA, SC,

TX, UT, WA

AL, AR, AZ, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD, TN, VT, WV, WI, WY

10YearSurrenderChargeFixed Rate 2.35% 2.60%Annual P-t-P with Cap 4.50% 5.25%Annual P-t-P with Participa-tion Rate 20.00% 22.00%


Monthly Average with Spread 7.25% 6.50%Barclays Atlas 5 AP2P PR 100.00% 115.00%Barclays Atlas 5 AP2P Spread 0.00% N/ABarclays Atlas 5 Boost N/A 0.50%

AK, DE, MA,MO, NV, OH, OR, PA, SC,

TX, UT, WA

AL, AR, AZ, CO, CT,DC, FL, GA, IA, ID, IL,IN, KS, KY, LA, MD,ME, MI, MS, NC, NE,NH, NM, ND, OK, RI,SD, TN, VT, WV, WI,WY

14YearSurrenderChargeFixed Rate 2.85%Annual P-t-P with Cap 6.00%Annual P-t-P with Participation Rate 24.00%Monthly Cap 2.50%Monthly Average with Cap 5.50%Monthly Average withParticipation Rate 35.00%

Monthly Average with Spread 6.00%Barclays Atlas 5 AP2P PR 125.00%Barclays Atlas 5 AP2P Spread N/ABarclays Atlas 5 Boost 1.25%

AL, AR, AZ, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI,SD, TN, VT, WV, WI, WY

NEW

NEW

NEW



GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

StatesNotAvailable

TetonBonus7

5.00%PremiumBonus!

2.50%forages81-90

1.00%

$10,000NQ-QMax:



approval)



Upto100%oftheAccountValuecanbewithdrawniftheOwnerisdiagnosedwithaTerminalIllnessthatresultsintheOwnerhavingalifeexpectancyof12monthsorlessandeligibilityrequirementsaremet.Availableafterthe1stPolicyYear.PleaseseetheCertificateofDisclosureformoreinformation.


(12,12,11,10,9,7,4)FL:65-90:(10,9,8,7,6,4,2)


(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8)


VA

TetonBonus10

7.00%PremiumBonus!

(FL–5.00%) 1.00%

$10,000NQ-QMax:



approval)





(12,12,11,10,9,8,7,6,4,2)FL:65-90:(10,9,8,7,6,5,4,3,2,1)


(9.3,8.4,7.5,6.6,5.7,4.75(SC-4.8),3.8,2.85(SC-2.9),1.9,.9)


VA

TetonBonus14

10.00%PremiumBonus!

1.00%

$10,000NQ-QMax:



approval)




-AL,AZ,AR,CO,DC,FL(0-65),GA,IL,IN,IA,KS,KY,LA,ME,MD,MI,MS,NE,NH,NM,NC,ND,OK,RI,SD,TN,VT,WV,WI,WY

(14.75,13.75,12.75,11.75,10.75,10,9,8,7,6,5,4,3,2)

0-80 Y

AK,CA,DE,HI,ID,MA,MO,MT,NV,NJ,NY,OH,PA,

RI,SC,TX,UT,VA,WA

EQUITABLELIFE&CASUALITYINSURANCECOMPANY(ELC)

12

7YearSurrenderChargeFixed Rate 1.35% 1.60%Annual P-t-P with Cap 3.00% 3.25%Annual P-t-P with Participation Rate 12.00% 15.00%



AK, CT, DE,MA, MO, NV, OH, OR, PA,

SC, TX, UT,WA

AL, AR, AZ, CO, DC,FL, GA, IA, ID, IL, IN, KS,KY, LA, MD, ME, MI,MS, NC, NE, NH,NM, ND, OK, RI, SD,TN, VT, WV, WI, WY

10YearSurrenderChargeFixed Rate 1.60% 1.85%Annual P-t-P with Cap 3.25% 4.00%Annual P-t-P with Participa-tion Rate 15.00% 16.00%



AK, CT, DE, MA, MO, NV, OH,

OR, PA, SC,TX, UT, WA

AL, AR, AZ, CO, DC,FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD,TN, VT, WV, WI, WY

14YearSurrenderChargeFixed Rate 2.10%Annual P-t-P with Cap 4.25%Annual P-t-P with Participation Rate 17.00%Monthly Cap 1.85%Monthly Average with Cap 3.50%Monthly Average withParticipation Rate 27.00%

Monthly Average with Spread 7.50%Barclays Atlas 5 AP2P PR 95.00%Barclays Atlas 5 AP2P Spread 0.25%Barclays Atlas 5 Boost N/A

AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MS, NC, NE, NH, NM, ND, OK, RI, SD, TN, VT, WV, WI, WY

NEW

NEW

NEW




GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

StatesNot

Available

MarketTenBonusIndex(6.00%PremiumBonusonpremiumspaidinyears1-5)

IncomeRider(IBR)Info>

1.00%on100%ofpremium

Minimum$10,000NQ$5,000Q

$2,000AdditionalMaximum$1Million

Premium Allocation: Initial Premiim: Min Allocation of 2K in each acct. Can select any combo of accts sub to the min requirements. Indicate initial allocation above the Owner’s signature section of the Disclosure Form. The initial premium allocation must be completed to issue the contract.

ReturnofPremiumGuarantee.Thisriderisautoincludedonallcontractsatnocharge,subjecttostateavailability.

Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr interest acct w/o Surr Charge or MVA. Interest withdrawals must be taken via EFT. After 1st contract yr, up to 10% of the accum value on the previous contract ann may be withdrawn each contract yr w/o

Surr Charge or MVA, either systematically or as a single withdrawal.

10years(10,10,10,1010,9,8,7,6,4)

(DE-10years:(9,8,7,6.5,5.5,4.5,3.5,2.5,1.5,0.5%)

(9Years:CAOnly:8.3,7.4,6.5,5.6,4.7,3.8,2.9,1.9,0.9)

0-80Q&NQ

Y

(CA:No)NY

MarketValueIndex



$10,000Q-NQ$2,000Renewal

10%freewithfrawalsafteryear1.Nursinghomewavier.Monthlyinterestop-tion.DeathBenefitequalsfullaccumulationvalue.Canannuitizeafteryr5for

minimum5yearorlonger.

10years(12,12,12,12,11,10,8,6,4,2)

(AK,CT,MN,UT,WA&OH)9,8,7,6.5,5.5,4.5,3.5,2.5,1.5,.5)

(TX9,8,7,6.5,5.5,4.5,3.5,

2.5,1.5,.5)

0-80Q&NQ (CA:No) NY

MarcSevenIndexAnnuity



$10,000Q&NQ

Bycurrentcompanypractice,systematicwithdrawalsofinterestareallowedinthefirstyearfromthe1-YearInterestAccountwithoutcharges.

Afterthefirstcontractyear,upto10%oftheAccumulationValueonthepreviouscontractanniversarymaybewithdrawneachcontractyearwithoutSurrender

ChargeorMVA,eithersystematicallyorasasinglewithdrawal.Singlewithdraw-alscanberequestedatanytime,butmustbeatleast$250perrequest.Sys-tematicwithdrawalsareavailablemonthly,quarterly,semiannuallyorannually,

andmustbetakenEFT.

UpondeathofOwner,AccumulationValue.

ChronicIllnessDoubler

7Years(9,8,7,6.5,5.5,4.5

3.5)

(CA:8.3,7.4,6.5,5.64.7,3.8,2.9)

40-85Q&NQ

(CA&DE:No) NY

MarketPowerBonusIndex(10.00%PremiumBonus-VestedDay-1)



Minimum$10,000NQ/Q$2,000

Additional

Maximum$1Million

Bycurrentcompanypractice,systematicwithdrawalsofinterestareallowedinthefirstyearfromthe1-YearInterestAccountwithoutcharges.

Afterthefirstcontractyear,upto10%oftheAccumulationValueonthepreviouscontractanniversarymaybewithdrawaneachcontractyearwithoutSurrenderChargeorMVA,eithersystematicallyorasasinglewithdrawal.Singlewithdraw-alscanberequestedatanytime,butmustbeatleast$250perrequest.Sys-tematicWithdrawalsareavailablemonthly,quarterly,semiannuallyorannually,

andmustbetakenbyEFT.

Anoptionalriderthatoffersguaranteedlifetimeincomebasedon6%accumula-tionforupto10years.Thisriderthatoffersguaranteedlifetimeincomebasedon6%accumulationforupto10years.Thisriderhasanannualcharge.Lower

creditedratesmayapplyiftheincomeRideriselected.

14years(20,20,19,19,18,17,16,14,12,10,8,6,4,2,0)

10yearsinthefollowingstates:AK,CT,IL,MN,MT,NJ,NV,OH,OK,OR,PA,TX,UT,

VT,WA)(19,17,15,13,11,10,8,6

4,2)

0-75Q&NQ Y CA,DE,NY,

EQUITRUSTLIFEINSURANCECOMPANY(ETL)

**Income for life not available in FL, IL, MN, NY, WA*Chargebacks - All commissions will be reversed under the following circumstances: Upon death of owner or surrender during months 1-6: 100% all products excluding Confidence Income. Upon death of owner or sur-render during months 7-15: 50% all products excluding Confidence Income. Any commission paid after the date of death will be reversed 100%*


MUSTCOMPLETEPRODUCT TRAININGBEFORE SUBMITTINGBUSINESS TO EQUITRUST

GREAT

HOT

13


W/O IBR W/ IBR1 Year Interest 2.00% 1.75%1 Year Point-to-Point Cap 3.50% 3.00%1 Year Monthly Avg Cap 3.75% 3.25%1 Year Monthly Avg Par 25.00% 20.00%1 Year Monthly Cap 1.75% 1.50%2 Year Monthly Avg Part 7.00% 6.00%1-Year Barclays Focus50 Part 65.00% 55..00%2-Year Barclays Focus50 Part 85.00% 75.00%

Premium, plus any applicable Premium Bonus, compounded at 6.50% annually for up to 10 years

Lifetime Income on the Benefit

Base multiplied by the Income

Withdrawal Percentage

May begin anytime after 1st contract year and age 50.

W/O IBR W/ IBR1 Year Interest 3.00% 2.50%1 Year Point-to-Point Cap 5.00% 4.50%1 Year Point-to-Point Part 35.00% 30.00%1 Year Monthly Avg Cap 5.25% 4.75%1 Year Monthly Avg Par 50.00% 40.00%1 Year Monthly Cap 2.25% 2.00%2 Year Monthly Avg Cap 13.00% 11.00%1-Year Barclays Focus50 Part 100.00% 90.00%2-Year Barclays Focus50 Part 140.00% 120.00%1-Year S&P MARC5 Part 110.00% 100.00%

Premium, plus 10% Benefit Base Bonus on first year premium, accumulated at 4.00% plus credited rate for up to 10 years

Lifetime Income on the Benefit Base multiplied by the Income Withdrawal Percentage


W/O IBR W/ IBR1 Year Interest 2.75% 2.25%1 Year Point-to-Point Cap 4.75% 4.25%1 Year Point-to-Point Part 30.00% 28.00%1 Year Monthly Avg Cap 5.00% 4.50%1 Year Monthly Avg Par 50.00% 45.00%1 Year Monthly Cap 2.00% 1.75%2 Year Monthly Avg Cap 10.00% 9.00%1-Year Barclays Focus50 Part 90.00% 75.00%2-Year Barclays Focus50 Part 125.00% 100.00%1-Year S&P MARC5 Part 100.00% 85.00%

Premium, plus 7% Ben-efit Base Bonus on first year premium,compounded at 7.00% annually for 7 years

Lifetime Income on the Benefit

Base multiplied by the Income

Withdrawal Percentage


W/O IBR W/ IBR1 Year Interest 2.25% 2.00%1 Year Point-to-Point Cap 4.00% 3.50%1 Year Monthly Avg Cap 4.25% 3.75%1 Year Monthly Avg Par 30.00% 25.00%1 Year Monthly Cap 2.00% 1.75%2 Year Monthly Avg Part 8.00% 7.00%1-Year Barclays Focus50 Part 75.00% 60.00%2-Year Barclays Focus50 Part 100.00% 85.00%

Premium, plus any applicable Premium Bonus, compounded at 6.00% annually for up to 10 years

Lifetime Income on the Benefit Base multiplied by the

Income Withdrawal Percentage



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNot

Available

ChoiceAccumulationII

1.00%to87.5%ofPremium

Minimum$25,000

Maximum$1,000,000

Up to 10% of the beginning-of-year contract value may be withdrawn annually without incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the free withdrawal amount during the withdrawal charge

period.

A Market Value Adjustment refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization during the withdrawal charge period when a withdrawal charge would also apply.

Optional enhanced death benefit will be available at an annual cost of 0.50%, assessed at the end of the contract year, based

off the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All

withdrawals will reduce the benefit. A minimum issue age of 0 and a maximum age of 75 will apply.

5Years(9,8,7,6,5)

7Years(9,8,7,6,5,4,3)

10Years(9,9,8,7,6,5,4,3,2,1)

0-85 Y NY

ChoiceIncomeII


Minimum$25,000

Maximum$1,000,000

A Market Value Adjustment refers to the potential fluctuation of the surrender value of the annuity in response to market conditions. Applies during the withdrawal charge period on withdrawals in excess of the free partial withdrawal amount. The MVA also applies to annuitization during the withdrawal charge period when a withdrawal charge would also apply.

GLWB included at issue. Must be at least age 55 to activate the benefit. Income is provided after activation through

annual guaranteed lifetime withdrawal amounts, known as Lifetime Annual Payments (LAP). The LAP is determined as a percentage of the Withdrawal Base Amount. The withdrawal base amount is a separate value that grows annually based on one of two options chosen at issue, described below. The Withdraw Base is not available as a death benefit or for cash

value surrender.

The GMSV is equal to the Premium Payment less withdrawal proceeds. If GLWB income activation has not occurred, the

GMSV is used for determining the following after the withdraw-al charge period when greater than the contract value.

7Years(9,8,7,6,5,4,3)

10Years(9,9,8,7,6,5,4,3,2,1)

45-85 N NY

Income150+SE


Minimum$10,000

Maximum$1,000,000

The free withdrawal amount is the greater of:• 10% of beginning of year contract value• Any Required Minimum Distribution (RMD) imposed

by the IRS on this contract

Withdrawals taken prior to beginning income benefits and those greater than the GLWB amount will reduce the Withdrawal Base and Lifetime Annual Payment amount. The reduction with be proportionate to the resulting reduction in the contract value, which may reduce the Withdrawal Base by more than the amount withdrawn.

Designed with a Guaranteed Lifetime Withdrawal Benefit (GLWB) which provides income through guaranteed Lifetime Annual Payments (LAP) that clients cannot outlive (assuming no excess withdrawals).

10Years(10,9,8,7,6,5,4,3,2,1)

55-80 N NY

GLOBALATLANTICFINANCIALGROUP(FTA)

Premium Amount 5 Yr 7 Yr 10 Yr

MSCI EAFE One-Year P-t-P with Cap >$100K 3.25% 3.35% 3.45%<$100K 2.75% 2.85% 2.95%

MSCI EAFE One-Year P-t-P Bailout Rate >$100K 2.00% 2.00% 2.00%<$100K 2.00% 2.00% 2.00%

Russell 2000 One-Year P-t-P with Cap >$100K 3.25% 3.35% 3.45%<$100K 2.75% 2.85% 2.95%

Russell 2000 One-Year P-t-P with Cap Bailout Rate >$100K 2.00% 2.00% 2.00%<$100K 2.00% 2.00% 2.00%

S&P 500 One-Year P-t-P with Cap >$100K 3.25% 3.35% 3.45%<$100K 2.75% 2.85% 2.95%

S&P 500 One-Year P-t-P with Monthly Cap >$100K 1.10% 1.15% 1.20%<$100K 1.00% 1.05% 1.10%

PIMCO Balance Index One-Year P-t-P with Participation Rate >$100K 60% 65% 70%<$100K 55% 60% 65%

S&P 500 One-Year P-t-P with Performance Trigger >$100K 2.35% 2.45% 2.55%<$100K 2.00% 2.10% 2.20%

BlackRock Diversa Volatility Control Two Year P-t-P with Spread >$100K 5.00% 4.75% 4.50%<$100K 5.75% 5.50% 5.25%

Franklin US Index Two Year P-t-P with Spread >$100K 5.00% 4.75% 4.50%<$100K 5.75% 5.50% 5.25%

Fixed Rate >$100K 1.35% 1.40% 1.50%<$100K 1.25% 1.30% 1.35%

7 Yr 10 Yr 7 Yr 10 YrMSCI EAFE One-Year P-t-P with Cap 2.75% 3.00% 3.50% 3.75%MSCI EAFE One-Year P-t-P Bailout Rate 2.00% 2.00% 2.00% 2.00%Russell 2000 One-Year P-t-P with Cap 2.75% 3.00% 3.50% 3.75%S&P 500 One-Year P-t-P with Performance Trigger 2.00% 2.25% 2.75% 3.00%S&P 500 One-Year P-t-P with Monthly Cap 1.10% 1.20% 1.35% 1.45%PIMCO Balance Index One-Year P-t-P with Participation Rate 70% 75% 85% 90%

BlackRock Diversa Volatility Control Two Year P-t-P with Spread 4.00% 3.50% 2.00% 1.50%

Franklin US Index Two Year P-t-P with Spread 4.00% 3.50% 2.00% 1.50%Fixed Rate 1.50% 1.60% 1.90% 2.00%

Guaranteed IncomeBuilder Benefit

Withdrawal ChargeSchedule

Income Multiplier Benefit Withdrawal

ChargeSchedule

MSCI EAFE One-Year P-t-P with Cap 2.50% 2.25% 2.25%MSCI EAFE One-Year P-t-P Bailout Rate 2.00% 2.00% 2.00%S&P 500 One-Year P-t-P with Cap 2.50% 2.25% 2.25%S&P 500 One-Year P-t-P with Monthly Cap 1.10% 1.05% 1.05%PIMCO Balance Index One-Year P-t-P with Participation Rate 65% 55% 55%BlackRock Diversa Volatility Control Two Year P-t-P w/Spread 4.00% 6.00% 6.00%Franklin US Index Two Year P-t-P with Spread 4.00% 6.00% 6.00%Fixed Rate 1.50% 1.25% 1.25%

Ultra HighBand

$100k+

High Band$24,999-$99,999

Low Band$10,000-$24,999

(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

14



GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNot

Available

AmericanNationalStrategyPlus-10(1.00%PremiumBonus)


NAICStates1.75%

NQ&Q$10,000

Free10%withdrawalafteryear1.Confinementwaiver:Surrenderchargesmaybewaivedwhenthecontractownerisconfinedtoalicensedhospital,licensedconvalescentcarefacility,skillednursingfacility,custodialcare

facility,orlicensedhospicefacilityfor60ormoredays.Thisspecialwaiverofsurrenderchargeisavailabletoyoubeginning90daysafterissue.Disabilitywaiver:Priortoage65,surrenderchargesmaybewaivedwhenthecontractownerisphysicallydisabled,ordiagnosedwithadisablingterminalillness.Thisspecialwaiverofsurrenderchargeisavailabletoyouafterissue.Ter-minalIllnessWaiver:Surrenderchargesmaybewaivedwhenthecontractownerisdiagnosedwithaninjuryorillnessexpectedtoresultindeathwithin12months.Thisspecialwaiverofsurrenderchargesisavailabletoyouafterissue.DeathBenefit:Atthedeathoftheowner,thegreateroftheAnnuity

ValueortheSurrenderValuewillbepaid.

10Years(9,9,8,7,6,5,4,3,2,1)

0-80Q&NQ

Y

(NoMVAinAK,FL,MO,WA)

NY

AmericanNationalStrategyPlus-7(1.00%PremiumBonus) 7Years

(7,6,5,4,3,2,1)

Y

(NoMVAinFL,WA)

NY


15

AMERICANNATIONALINSURANCECOMPANY(ANL)

10-Year 7-Year1-YrSpecifiedRate 3.50% 3.40%1-YrPoint-to-PointMethod:100% Participation Cap 4.45% 4.35%50%ParticipationCap 4.90% 4.80%Lifetime Income Rider Fixed Rate 6.00% 6.00%Rider Premium Charge 1.00% 1.00%LifetimeIncomeRider(Indexed Credit + Fixed Rate)Fixed Rate + Indexed Credit 3.00% + Indexed CreditAccumulation Period 10 Yr 10 YrRider Premium Charge 0.70% 0.70%DeclaredRate 2.00% 1.90%1-YrMonthlySum:Cap 1.90% 1.80%


GREATAMERICANLIFEINSURANCECOMPANY(GAA)INDEXED Current

InterestGuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

AmericanLegendIIIAnnuity

Declaredrate-1.50%

1.00%

NQ&Q$10,000AdditionalDeposits$2,000Q&NQ

Duringthe1stcontractyr,youmaywithdrawupto10%ofthePur-chasePayment.Afterthefirstcontractyear,youmaywithdrawannuallyupto10%ofannuity’sAccountValue(basedonpriorContractAnniver-sary),withoutincurringearlywithdrawalchanges.($500min;AccountValuemustexceed$5,000)FullAccountValueatDeath.**Seebelow!

Extendedcarewaiverrider:Afterthefirstcontractyear,ifyouareconfinedtoanursinghomeorlong-termcarefacilityforatleast90con-secutivedays,earlywithdrawalchargeswillbewaivedonwithdrawalsuptoafullsurrender.Thereisnoadditionalchargeforthisrider.Termi-nalillnesswaiverrider:Afterthefirstcontractyear,ifyouarediagnosedbyaphysicanashavingaterminalillness(prognosisofsurvivalis12monthsorless,oralongerperiodasrequiredbystatelaw),youhavetheoptiontowithdrawupto100%oftheaccountvaluewithoutincurringanearlywithdrawalcharge.Thereisnoadditionalchargeforthisrider.

7Years<ages58-85>(9,8,7,6,5,4,3)

18-85-Q0-85-NQ N NY

S&P500RiskControlAnnualPointtoPointwithParticipationRate-40%

S&P5001YearAnnualPointtoPointwithCap-3.00%

S&PMonthlySumwithCap-1.25%

iSharesU.S.RealEstateAnnualPoint-to-PointwithCap-3.55%

GLDAnnualPoint-to-PointwithCap-4.00%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithPar.Rate-45%

AmericanSafeReturnAnnuity

DeclaredRate:1.20%

1.00%NQ&Q$25,000

Duringthe1stcontractyr,youmaywithdrawupto10%ofthePurchasePayment.Afterthefirstcontractyear,youmaywithdraw

annuallyupto10%ofannuity’sAccountValue(basedonpriorContractAnniversary),withoutincurringearlywithdrawalchanges.($500min;

AccountValuemustexceed$5,000)FullAccountValueatDeath.L-T-Crider&Terminalillnessrider.Annuitizationforaccountvalue-usedforincomepayoutperiodsof10yearsoflifeatanytimeduring10-yrperiod.ESPprogram-Fixeddollar,lifedistributions,RMDs,72(t)and72(t)and72(q)available.ReturnofPremiumguaranteeisavailableat

nocharge.**Seebelow!

10Years(10,9,8,7,6,5,

4,3,2,1)18-85-Q0-85-NQ N NY

S&P500RiskControlAnnualPoint-to-PointwithPar.Rate30%

25%BailoutRate

iSharesU.S.RealEstateAnnualPoint-to-PointwithCap3.00%

3.00%BailoutCap

AmericanLandmark5

DeclaredRate:>$100,000:1.70%,<$100,000:1.60%

1.00%

Minimum$10,000

Maximum$1,000,000

Duringthe1stcontractyr,10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalcharge.After1stcontractann,10%ofacctvalueasofthemostrecentcontractanniversarymaybe

withdrawnwithoutanearlywithdrawalcharge.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersdur-ingthefive-yearterm.

5Years(9,8,7,6,5)

18-89-Q0-89-NQ

Y

(No MVA Available in AK, CA, PA, UT and VA)

NY

S&P500RiskControlAnnualPointtoPointwithParticipationRate

>$100,000:50%,<$100,000:45%

S&PU.S.RetireeSpendingAnnualPointtoPointwithParticipationRate

>$100,000:50%,<$100,000:45%

S&P500AnnualPointtoPointwithCap>$100,000:4.40%,<$100,000:4.15%

GREATAMERICANLIFEINSURANCECOMPANY(GAA) RatesEffectiveasof4-7-2020


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

AmericanCustom-10

DeclaredRate:>$150,000:1.10%,<$150,000:1.05%

S&P500RiskControlAnnualPoint-to-PointwithParticipationRate

>$150,000:40%,<$150,000:35%S&P500AnnualPoint-to-PointwithCap>$150,000:3.00%,<$150,000:2.50%GLDAnnualPoint-to-PointwithCap>$150,000:5.00%,<$150,000:4.75%

1.00%

NQ&Q$25,000

Max:1millionissueages

0-75

$750,000issueages76-80

$500,000Issueages

81+

Taxqualifications:NQandInheritedNQ.Q:403(b)TSA(traditionalandRoth),IRA(traditional,Roth,SEP,SIMPLEandInherited),and457(b).Waiverriders:ExtendedCare-100%accountvaluewhencriteriamet.TerminalIllness-100%accountvaluewhencriteriamet.Optionalriders:Onlyoneridermaybeselectedandmustbeaddedatissue.Cumulative-Free-WithdrawalOption-upto25%(20%carryoverplus5%annualfreewithdrawal)SimpleIncomeOption-10%rollupfor10years.StackedIncomeOption-5%rollupfor10yearsplus100%ofinterestcreditedtotheAVforthelifeofthecontract.Freewithdrawalallowance:Duringfirstcontractyear,5%ofpurchasepayment.Afterfirstcontractanniversary,5%ofthesumoftheaccountvalueasofthemostrecentcontractanniversary.Annitizationforaccountvalue:greaterofaccountvalueorGMSVusedforallannuitizations.Afixedperiodoflessthan10yearsisavailableonlyasadeathbenefitsettlementoption.Loans:Available403(b),governmental457(b)Minimumloan:$1,000.DeathBenefit:GreateroftheaccountvalueorGMSV.CumulativeFreeWithdrawalOption:Thisriderallowsclientstocarryoveranyunusedportion

oftheircontractsannualfreewithdrawalpercentage,uptoamaximumof25%.(20%maximumcarryoverplusthecontract’s5%annualfreewithdrawal)Riderissueages:18-85Q;0-85NQ.Thisisanoptionalriderthatmustbeaddedatissueandisavailableforachargethatiscurrently0.25%oftheAV.Thechargeisguaranteednottochangeafterissueandwillbetakenaswithdrawalsfromtheaccountvalueattheendofeachcontractyearduringthe10-yearearlywithdrawalchargeperiod.Notavailableinallstates.SimpleIncomeOption:Callusfordetails!StackedIncomeOption:Callusfordetails!ExtendedCareWaiver:Callfordetails!TerminalIllnesswaiver:Callfordetails!Minimum

Withdrawals:$500;Minimumaccountvaluefollowingwithdrawal:$5,000.

10Years(9.5,8.75,7.75,6.75,5.75,4.75,3.75,3,2,1)

18-85-Q

0-85-NQ

18-75InheritedIRA

0-75Inherited

NQ

Y NYNOMVA:AvailableinAK,CA,IN,MN,MO,OH,PA,TX,UT,VA

DeclaredRate:>$150,000:1.05%,<$150,000:1.00%



GREATAMERICANLIFEINSURANCECOMPANY(GAA)

NEW

*Onlyoneridermaybeselectedandselectedridermustbeaddedattimeofcontractissue.

SimpleIncomeOptionSM

R6047014NWStackedIncomeOptionSM

R6046914NWCumulativeFree-WithdrawalOptionR6046814NW

Issueage 40-85 40-85 18-85Q;0-85NQ

Incomebasegrowth Rollupcredits Rollupcredits+100%ofaccountvalueinterest N/A

Rollupcredit 9% 5% N/A

Maximumrollupperiod 10years 10years N/A

CurrentRidercharge 0.95%ofincomebase,deductedfromaccountvalue.Subjecttochangeuponreset.

1.25%ofincomebase,deductedfromaccountvalue.Subjecttochangeatourdiscretion.

0.25%ofaccountvalue,deductedfromaccountvalue.Guar-anteednottochangeafterissue.Chargesendafter10years.Clientcannotcancelrider.

Resets Startingfirstcontractanniversary N/A–Incomebasewillneverbelessthantheaccountvalue.

N/A

Increasingincomepercentages 0.09%eachyearclientswaittostartincomepayments SameasSimpleIncomeOption N/A

Enhancedincomepercentage Availableduringfirstfivecontractyears N/A N/A

Incomepayments Availableimmediately(age55+) Availablefiveyearsafterridereffectivedate(age55+) N/A

Refundofriderchargesavailableupondeath Yes,ifincomepaymentshaven’tstarted SameasSimpleIncomeOption N/A

Maximumpenalty-freewithdrawal N/A N/A 25%(20%maximumcarryover,plus5%annualfreewithdrawal)

SPECIAL BROADCAST MESSAGEAmerican Landmark 5 has the rates and

features to INCREASE your sales!

The American Landmark 5 fixed-indexed annuity from Great American Life Insurance Company®, offers your clients:

•Five-year declining early withdrawal charges•Additionalpurchasepaymentsacceptedduringfirsttwocontractmonths•Competitive earning potential with participation rates up to 50%•S&P 500 indexed strategy offers caps up to 4.40%•Duringfirstcontractyear,penalty-freewithdrawalof10%ofpurchasepayment•10%penalty-freewithdrawalsofaccountvalueafteryearone•Extended Care Waiver Rider and Terminal Illness Waiver Rider are available•Opportunity to receive lifetime income

Check outGreat American’s Income and Death Benefit Riders!

Call us Today!!For distribution partner use only. Not for use in sales solicitation. Call for disclaimer details!

16




GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

AmericanLegend-7

DeclaredRate:>$100,000:1.75%,<$100,000:1.65%



1.00%

NQ&Q$10,000


0-75


$500,000Issueages

81+

Duringthisfirstcontractyear.10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywith-drawalchargeormarketvalueadjustment.Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutanearlywithdrawalchargeormarket

valueadjustment.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringtheseven-yearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesortheguaranteedminimumsurrendervalue.

7Years(9,8,7,6,5,4,3)

NQ0-85

InheritedNQ0-75

InheritedIRA0-75

Qualified0-85

Y IA,NY,PA,WYNOMVA:AvailableinAK,CA,PA,UTandVADeclaredRate:

>$100,000:1.55%,<$100,000:1.45%S&P500RiskControlAnnualPoint-to-Point

withParticipationRate>$100,000:40%,<$100,000:35%

S&P500AnnualPoint-to-PointwithCap>$100,000:3.65%,<$100,000:3.55%GLDAnnualPoint-to-PointwithCap>$100,000:4.15%,<$100,000:3.90%

PremierBonus

5.75%Bo-nus!

DeclaredRate:>$150,000:1.10%,<$150,000:1.05%


>$150,000:20%,<$150,000:20%S&PU.S.RetireeSpendingAnnualPoint-to-Point

withParticipation>$150,000:25%,<$150,000:20%

S&P500AnnualPoint-to-PointwithCap>$150,000:1.75%,<$150,000:1.50%

1.00%

NQ&Q$10,000

Sub:$2,000


0-75


$500,000Issueages

81+

5.75%purchasepaymentbonus;addedtoaccountvalueimmediatelybutnotfullyvesteduntiltheseventhcontractanniversary.

Duringthefirstcontractyear,10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalcharge.

Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutanearlywithdrawalcharge.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringthesevenyearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesandanynon-vestedbonusamount,plusorminusapplicableMVAs,orthe

guaranteedminimumsurrendervalue.

7Years(6,5,4,3,3,3,3)

NQ0-85

InheritedNQ0-75

InheritedIRA0-75

Qualified0-85

YDE,IA,MN,

NY,OR,PA,VT,VA,WA

NOMVA:AvailableinAK,CA,UTandVADeclaredRate:

>$150,000:1.05%,<$150,000:1.00%S&P500RiskControlAnnualPoint-to-Point

withParticipationRate>$150,000:20%,<$150,000:15%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithParticipation

>$150,000:20%,<$150,000:15%S&P500AnnualPoint-to-PointwithCap>$150,000:1.45%,<$150,000:1.35%

PremierIn-comeBonus

DeclaredRate:>$150,000:1.80%,<$150,000:1.70%


>$150,000:35%,<$150,000:35%S&PU.S.RetireeSpendingAnnualPoint-to-

PointwithParticipationRate>$150,000:40%,<$150,000:35%

S&P500AnnualPoint-to-PointwithCap>$150,000:2.75%,<$150,000:2.50%

1.00%

NQ&Q$10,000

Sub.:$2,000


0-75


$500,000Issueages

81+

Built-inincomerideroffers8%riderbonus,8%rollupcreditsand10-yearrollupperiod.

Duringthisfirstcontractyear.10%ofpurchasepaymentsmaybewithdrawnwithoutanearlywithdrawalchargeormarketvalueadjustment.Afterthefirstcontractyear,10%oftheaccountvalueasofthemostrecentcontractanniversarymaybewithdrawnwithoutan

earlywithdrawalchargeormarketvalueadjustment.

Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringtheseven-yearterm.

Thesurrendervalueequalsthegreateroftheaccountvaluelessanyearlywithdrawalchargesortheguaranteedminimumsurrendervalue.

Waivers:TerminalIllnessWaiverExtendedCareWaiver

7Years(6,5,4,3,3,3,3)

NQ&Q40-85 Y

DE,IA,MN,NY,OR,VT,VA,WA

NOMVA:AvailableinAK,CA,PA,UTandVADeclaredRate:

>$150,000:1.65%,<$150,000:1.55%S&P500RiskControlAnnualPoint-to-

PointwithParticipationRate>$150,000:35%,<$150,000:30%

S&PU.S.RetireeSpendingAnnualPoint-to-PointwithParticipationRate

>$150,000:35%,<$150,000:30%GLDAnnualPoint-to-PointwithCap>$150,000:2.40%,<$150,000:2.15%


17


NEW



(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.


GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

StatesNot

Available

HighlanderFIA

4%PremiumBonus!

Strategies Duration Rate

MinimumGuar-anteedContractValue(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheminimum

guaranteedinter-estrate

MinimumQuali-fied

$5,000

MinimumNQ

$10,000

Additional$500Minimum(1stContractyear

only)

$1,000,000Maximum

10% Annual Free WithdrawalBeginning in the second contract year.Nursing Home Care* This contract provides access to the full account value, with-out surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner’s age of 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA.Terminal Illness* If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physician, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions which are:Terminal Illness-physician must certify that the owner’s life expectancy is nine months or less.Critical Illness- The contract must have been purchased prior to the owner’s age of 70.INCOME RIDER: 4% guaranteed roll-up + Stacking Credits for 20 Years

1234567891011+

MostStates

10%9%8%7%6%5%4%3%2%1%0%

Varia-tion

9%9%8%7%6%5%4%3%2%1%0%

0-80 Y NY

Fixed 1YearFixed 2.00%

S&PMARC5

1YearPoint-to-PointwithParticipation 85%

S&P500 1YearPoint-to-PointwithAnnualCap 3.50%

S&P500 1YearPoint-to-PointwithParticipation 30%

Highlander7FIA


MinimumGuar-anteedContractValue(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheNonforfeitureInterestRate

MinimumQuali-fied

$5,000

MinimumNQ$10,000

Additional$500Minimum(1stcontractyear

only)$1,000,000Maximum

10% Annual Free Withdrawal A single, penalty-free withrawal up to 10% of the account value may be taken beginning in the second contract year. Surrender charges and market value adjustment will be waived on any penalty-free amount withdrawn. Amounts withdrawn in excess of 10% of the penalty-free amount will incur a surrender charge and market value adjustment. If applicable. Surrender charges on Internal Revenue Service (IRS) required minimum distributions (RMD) exceeding the penalty-free amount will be waived.Nursing Home Care The contract provides full access to the account value, with-out surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner’s age 76 and confinement in a nursing home must be for 90 continuous days. Not available in MA.Terminal Illness If the owner is diagnosed with a critical illness (heart attack, stroke, life threatening cancer) or is deemed terminally ill by a physican, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions.

1234567

AllStates

10%9%8%7%6%5%4%

0-80 Y NY


S&PMARC5

1YearPoint-to-PointwithParticipation 90%

S&P500 1YearPoint-to-PointwithAnnualCap 4.50%


GuggenheimViStarFIA*IncomeRiderAvailable!10%BenefitBaseBonus0.90%AnnualRiderChargeRate“Benefitbasewillgrowfor20yearsbythedol-laramountcreditedtotheaccountvaluemulti-pliedby4%guaranteedoneachanniversary.”


MinimumGuaranteedContract

Value(MGVC)isequalto87.5%ofpremiumlesswithdrawals,

accumulatedattheminimumguaranteedinterestrate

MinimumQuali-fied

$5,000

MinimumNQ

$10,000

Additional$500Minimum(1stcontractyear

only)

$1,000,000Maximum

10% Penalty- Free Withdrawal A penalty-free withdrawal of up to 10% of the Ac-count Value calculated as of the last Contract Anniversary. Surrender charges and market value adjustment will be waived on the penalty-free amount withdrawn.Nursing Home Care Rider* This contract provides access to the full account value, withoutsurrender charges and market value adjustment, should the owner become conned to a nursing home for a period of 90 consecutive days after the rst contract year. The contract must be issued prior to the owner’s age of 76. Not available in MA.Terminal Illness Rider* If the owner becomes terminally ill1 year after the policy was purchased or is deemed to be terminally ill by a physician, the full account value may be accessed without surrender charges ormarket value adjustment. Eligibility is subject to rider provisions,which are: 1. Physician must certify that the owner’s life expectancy is ninemonths or less; 2. Owner is diagnosed with a heart attack, stroke or lifethreatening cancer after the policy was purchased, in force for 1year and owner is not over the age of 70. * To meet the criteria for this Rider, the contract must be in force for a minimum of one year. Some state variations apply. See Rider for more details.

MostStates10%,9%,8%,7%,6%,5%,4%,3%,2%,1%

AK,CA,CT,FL,MN,MO,OH,OK,OR,PA,SC,TX,UT,WA9%,9%,8%,7%,6%,5%,4%,3%,2%,1%

0-80 Y NY


S&P500 1YearPoint-to-PointwithCap 4.00%


S&P500SectorRotatorDailyRC25%IndexER

1YearParticipationRate 90%

S&PEconomicCycleFactorRotatorIndex


S&PMARC5%ExcessReturnIndex


GUGGENHEIMLIFE&ANNUITYCOMPANY(GLA) RatesEffectiveasof5-1-2020

18


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

AmericanLandmark3

DeclaredRate:>$150,000:1.25%,<$150,000:1.15%

1.00%

Min:$50,000Subsequent$2,000

Max:$1mil.ages0-85

$500,000ages86+

EarlyWithdrawalCharges:Three-yeardecliningearlywithdrawalchargesstartingat9%.

Penalty-freewithdrawals:-Duringfirstcontractyear,10%ofpurchasepayments-Afterfirstcontractanniversary,10%oftheaccountvalueasofthemostrecentcontractanniversary

MVA:Amarketvalueadjustmentwillapplytowithdrawalsorsurrendersduringthethree-yearterm.AnMVAdoesnotapplyinallstates.RefertotheInterestRateorStateApprovalChartsfornon-MVAstates.

3Years(9,8,7)

0-90(Q)0-90(NQ)

0-75(inheritedIRA)0-75

(inheritedNQ)

TX(0-85)

Y

(NoMVAonlyavail-ableinAK,PA,UT)

IL,NV,NJ,OR,WA

S&P500AnnualPoint-to-Point>$150,000:2.50%,<$150,000:2.25%

iSharesU.S.RealEstateAnnualP-t-PWithCap

>$150,000:2.70%,<$150,000:2.50%

iSharesMSCIEAFEAnnualP-t-PWithCap>$150,000:2.60%,<$150,000:2.40%

GREATAMERICANLIFEINSURANCECOMPANY(GAA) RatesEffectiveasof4-7-2020

NEW

NEW


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

LincolnOptiBlend-5

DeclaredRate:>$100,000:1.00%,<$100,000:1.00%

1-YrS&P500DailyRiskControlSpread>$100,000:4.75%,<$100,000:5.00%

1-YrFidelityAIMDividendParticipation>$100,000:50.00%,<$100,000:35.00%1-YrP-t-PIndexedwithCapAccount>$100,000:1.50%,<$100,000:1.50%

1-YrS&P500Participation>$100,000:9.00%,<$100,000:8.00%

1.00%

NQ&Q$10,000Max:

2million

Beginninginthefirstcontractyear,upto10%ofcontractvaluemaybewith-drawneachcontractyearwithoutincurringcharges.Ifyouaccessmorethanthe10%annualfreewithdrawalbeforetheendofthesurrenderchargeperiod,itmaybesubjecttoasurrenderchargeandanMVA.TheMVAisapositiveornegativeadjustmentbasedonthecurrentinterestrateenvironmentattimeofsurrender.TheMVAdoesnotapplytowithdrawalsafterthesurrenderchargeperiod,the10%annualfreewithdrawal,thedeathbenefit,annuitizedcontracts,orcontractsissuedinselectedstates.

5Years NQ-Q0-85 Y NY

LincolnOptiBlend-7

DeclaredRate:>$100,000:1.00%,<$100,000:1.00%

1-YrS&P500DailyRiskControlSpread>$100,000:4.75%,<$100,000:5.00%

1-YrFidelityAIMDividendParticipation>$100,000:35.00%,<$100,000:25.00%1-YrP-t-PIndexedwithCapAccount>$100,000:1.50%,<$100,000:1.50%


1.00%

NQ&Q$10,000Max:

2million



LincolnOptiBlend-10

DeclaredRate>100,000:1.00%,<$100,000:1.00%

1-YrS&P500DailyRiskControlSpread>$100,000:4.75%,<$100,000:5.00%1-YrFidelityDividendParticipation

>$100,000:50.00%,<$100,000:35.00%1-YrP-t-PIndexedwithCapAccount>$100,000:1.50%,<$100,000:1.50%


1.00%

NQ&Q$10,000Max:

2million



LincolnOptiBlendPlus

6.00%PremiumBonus(fordepositsreceivedinyears1-4)

DeclaredRate>100,000:1.00%,<$100,000:1.00%

1-YrS&P500DailyRiskControlSpread>$100,000:4.65%,<$100,000:5.10%1-YrFidelityDividendParticipation

>$100,000:40.00%,<$100,000:40.00%1-YrP-t-PIndexedwithCapAccount>$100,000:2.30%,<$100,000:1.55%


1.00%

NQ&Q$10,000Max:

2million



LINCOLNFINANCIALGROUP(LFA) RatesEffectiveasof05-15-2020

(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.

19

NEW


PersonalProtectionChoice

OthergreatbenefitsofPPC

-Upto250%incomeenhancementforNursingHomevisit

-Upto175%incomeenhancementIn-HomeCareneeds(2/6ADLs)

-EnhancedDeathBenefitgrowingatupto10%/year

Minimum Premium

Surrender Charges States Not Available

$15,000Q&NQ

Max$1,000,000

10Years(12,12,12,11,10,9

8,7,6,4)(MostStates)

ME, MA, MN, NY

MVA

Y

Minimum Sur-render Value Issue

Ages87.5%ofpremiumslesswithdrawals@

1.00%

0-80Q&NQ

FIXED INDEXANNUITIES Blended Product Minimum Sur-

render ValueMinimum Premium

Withdrawal Provisions/Contract Features

Surrender Charges

States Not Available

PersonalIncomeAnnuity

$15,000Q&NQ

Max:$1,000,000

87.5%ofpremiumslesswithdrawals@

1.00%

• Penalty-freewithdrawalsupto10%ofcontractvalueeachyear• WithdrawalsforRMDassociatedwiththiscontractwillnotincurwithdrawalfees

orMVA• Anywithdrawalsmaybesubjecttofederalandstateincometax• Iftakenpriortoage591/2,withdrawalsmayalsobesubjecttoa10%federal

penalty• Withdrawalstakeninexcessoffreewithdrawalamountduringthesurrender

chargeperiodwillbesubjecttosurrenderchargesandamarketvalueadjustment• ForcontractsthatincludeanoptionalGMWBrider,withdrawalspriortorider

exerciseorinexcessoftheguaranteedamountwillreducethebenefitbaseandthereforereducefutureguaranteedwithdrawalamounts

• Withdrawalstakenduringthesegmentdurationwillnotbeincludedwhencalcu-latingtheindexcreditforthatsegment

10Years(12,12,12,11,10,9

8,7,6,4)(MostStates)

ME, MA, MN, NY

MVA

Y

Issue Ages

0-80Q&NQ

NASSAURECOMPANY(PLA)

10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.60% N/A N/A1-Yr S&P 500 - Cap 2.75% N/A N/A1-Yr S&P 500 - Par/Spread N/A 17% 2.00%1-Yr CSTMAI N/A N/A 4.00%2-Yr S&P 500 - Cap 6.00% N/A N/A2-Yr S&P 500 - Par N/A 26% N/A2-Yr S&P 500 - Par/Spread N/A 31% 4.00%2-Yr CSTMAI N/A N/A 4.00%3-Yr S&P 500 - Par/Spread N/A 51% 9.00%Fixed Account 1.50%AL, AR, AZ, CO, DC, GA, IA, ID, IN, KS, MD, MI, NE, ND, NM, NV, OK, RI, SD, TN, WV *Call for other states!*

10 Year Surrender Charge Cap Par. SpreadMonthly S&P 500® 1.60% N/A N/A1-Yr S&P 500 - Cap 2.75% N/A N/A1-Yr S&P 500 - Par/Spread N/A 17% 2.00%1-Yr CSTMAI N/A N/A 4.00%2-Yr S&P 500 - Cap 6.00% N/A N/A2-Yr S&P 500 - Par N/A 26% N/A2-Yr S&P 500 - Par/Spread N/A 31% 4.00%2-Yr CSTMAI N/A N/A 4.00%3-Yr S&P 500 - Par/Spread N/A 51% 9.00%Fixed Account 1.50%AL, AZ, AR, CO, DC, GA, HI, ID, IN, IA, KS, MD, MI, NE, NV, NM, ND, OK, RI, SD, TN, WV

Cap Par. Spread1.35% N/A N/A2.25% N/A N/A

N/A 13% 2.00%N/A N/A 5.50%

4.75% N/A N/AN/A 20% N/AN/A 25% 4.00%N/A N/A 6.00%N/A 41% 9.00%Fixed Account - 1.20%

CA, CT, DE, FL, KY, MS, MT, OH, SC, TX, WI

Cap Par. Spread1.35% N/A N/A2.25% N/A N/A

N/A 13% 2.00%N/A N/A 5.50%

4.75% N/A N/AN/A 20% N/AN/A 25% 4.00%N/A N/A 6.00%N/A 41% 9.00%Fixed Account - 1.20%

AK, IL, LA, MO, NH, NJ, NC, OR, PA, UT, VT, VA, WA, WY

Withdrawal Provisions/Contract Features• Thepercentageofthebenefitbaseavailableforwithdrawalvariesbyrider,issueageandduration• Benefitbasestopsgrowingwhenyoubeginguaranteewithdrawals.Withdrawalspriortoriderexerciseorinexcessoftheguaranteed

amountwillreducethebenefitbaseandamountoffutureguaranteedbenefits• incomewithdrawalsaretakenfromyourcontractvalueandwillreducetheenhanceddeathbenefit(ifelected).Overtime,contract

valuecouldbewithdrawnentirely,leavingnodeathbenefit.• Withdrawalspriortoriderexercisereducethebenefitbasebutdonotstoptheincomeroll-up.Roll-upisbasedonthepremiumadjusted

forwithdrawals• Anywithdrawalswillreducethefamilyprotectiondeathbenefitinthesameproportionasthecontractvalueisreduced


20


NassauGrowthAnnuity 10

Minimum Premium Surrender Charges States Not

Available

$15,000Q&NQ

Max$1,000,000

AK,CT,FL,GA,IN,KY,MO,MT,NC,OH,OR,PA,SC,TX,UT,VA,WA,WI

9.6,8.7,7.8,6.8,5.9,4.9,3.9,3,2,1

AL,AR,AZ,CO,DC,IA,ID,IL,KS,MI,MS,ND,NH,NM,NV,OK,SD,TN,VT,WV,WY

12,12,12,11,10,9,8,7,6,4CA, HI, LA, ME, MD,

MA, MN, NE, NJ, NY, RI

MVAY

Minimum Sur-render Value Issue

Ages87.5%ofpremiumslesswithdrawals@

1.00%

0-80Q&NQ

FIXED INDEXANNUITIES Blended Product Minimum Sur-

render ValueMinimum Premium


Surrender Charges


NassauGrowthAnnuity 7

87.5%ofpremiumslesswithdrawals@

1.00%

$15,000Q&NQ

Max:$1,000,000

10% Free Withdrawals with 7 Year Surrender Period

• Withdrawals up to the contract’s free withdrawal amount are free of fees and charges• Withdrawals for Required Minimum Distributions (RMDs) associated with this contract will not incur

surrender charges, Market Value Adjustment (MVA), or fees• Withdrawals prior to Amplified Income Plus rider exercise (if elected) reduce the benefit base, but

do not stop roll-ups on the reduced benefit base• Any withdrawals may be subject to federal and state income tax• Withdrawals exceeding the free withdrawal amount during the surrender charge period will be

subject to surrender charges and MVA. Withdrawals exceeding the free withdrawal amount in any year will be subject to pro-rated rider and strategy fees

• Withdrawals are always taken from the fixed account value first. Afterwards, withdrawals are taken proportionately from indexed accounts. Withdrawals taken from indexed accounts will be excluded when calculating index credits

• MARKET VALUE ADJUSTMENT (MVA)• Applies during the surrender charge period• Adjustment may be positive or negative depending on the change in the interest rates since

contract issue• The maximum positive adjustment to the cash surrender value cannot exceed the maximum

negative adjustment• Applies when surrender charges are waived under the nursing home and terminal illness waiver• MVA is waived on withdrawals under the contract’sfree withdrawal amount, on deathbenefit and on

annuitization

7Years(9,8,7,6,5,4,3)

CA, HI, LA, ME, MD, MA, MN, NE,

NJ, NY, RIMVA

Y

Issue Ages

0-80Q&NQ

NASSAURECOMPANY(PLA)

7 Year Surrender ChargeCap Par.

Annual Strategy

Fee1-Yr S&P 500 - Cap 2.75% N/A N/A1-Yr S&P 500 - Par. N/A 15% N/A1-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 25% 1.00%

2-Yr S&P 500 - Par N/A 26% N/A2-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 43% 1.00%

2-Yr Sunrise Smart Pas-sage SG - Par. N/A 94% 1.00%

Fixed Account 1.50%For use in: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY


10 Year Surrender Charge Cap Par. Annual Strategy Fee1-Yr S&P 500 - Cap 4.25% N/A N/A1-Yr S&P 500 - Par. N/A 22% N/A1-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 32% 1.00%

2-Yr S&P 500 - Par N/A 38% N/A2-Yr S&P 500 - Amplified Par. Rate with Strategy Fee N/A 56% 1.00%

2-Yr Sunrise Smart Pas-sage SG - Par. N/A 84% N/A

2-Yr Sunrise Smart Pas-sage SG - Amplified Par. Rate with Strategy Fee

N/A 122% 1.00%

Fixed Account 2.25%AL, AZ, AR, CO, DC, ID, IL, IA, KS, MD, MI, MS, NC, NE, NV, NH, NM, ND, OK, SD, TN, VT, WV, WY

Cap Par. Annual Strategy Fee3.75% N/A N/A

N/A 20% N/AN/A 30% 1.00%

N/A 35% N/AN/A

52% 1.00%

N/A 77% N/A

N/A115% 1.00%

2.05%AK, CT, DE, FL, GA, HI, IN, KY, LA, MO, MT, OH, OR, PA, RI, SC, TX, UT, VA, WA, WI

Withdrawal Provisions/Contract Features• 5%FreeWithdrawalswith10YearSurrenderPeriod• Withdrawalsuptothecontract’sfreewithdrawalamountarefreeoffeesandcharges• WithdrawalsforRequiredMinimumDistributions(RMDs)associatedwiththiscontractwillnotincursurrendercharges,MarketValueAdjustment(MVA),orfees• WithdrawalspriortoAmplifiedIncomePlusriderexercise(ifelected)reducethebenefitbase,butdonotstoproll-upsonthereducedbenefitbase• Anywithdrawalsmaybesubjecttofederalandstateincometax• WithdrawalsexceedingthefreewithdrawalamountduringthesurrenderchargeperiodwillbesubjecttosurrenderchargesandMVA.Withdrawalsexceedingthefreewithdrawalamountinanyyearwillbesubjecttopro-ratedriderandstrategyfees• Withdrawalsarealwaystakenfromthefixedaccountvaluefirst.Afterwards,withdrawalsaretakenproportionatelyfromindexedaccounts.WithdrawalstakenfromindexedaccountswillbeexcludedwhencalculatingindexcreditsMARKETVALUEADJUSTMENT(MVA)• Appliesduringthesurrenderchargeperiod• Adjustmentmaybepositiveornegativedependingonthechangeintheinterestratessincecontractissue• Themaximumpositiveadjustmenttothecashsurrendervaluecannotexceedthemaximumnegativeadjustment• Applieswhensurrenderchargesarewaivedunderthenursinghomeandterminalillnesswaiver• MVAiswaivedonwithdrawalsunderthecontract’sfreewithdrawalamount,ondeathbenefitandonannuitization

NEW

NEW

(For Agent Use Only)Not intended for soliciting an-nuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

21

*Premium Bonus Paid on all new premium in first 7 contract years

FIXED INDEXANNUITIES1 Index Cap Rate Product

Minimum Surrender

Value

Minimum Premium

NorthAmericanCharterPlussm10yearoptionPremiumBonus

$75,000 Minimum Premium

6.00% Premium Bonus


14yearoptionPremiumBonus


8.00% Premium Bonus


87.5% of premiums less with-

drawals @ 1.00%

$75,000Q & NQ

NORTHAMERICANCOMPANYFORLIFEANDHEALTHINSURANCE®

10 Year 14 Year$75k+ Initial

Premium$75k+ Initial

Premium

S&P 500®

DA Index Margin (No Cap) 6.95% 6.05%MPP Index Cap Rate 1.10% 1.40%APP Index Cap Rate 2.50% 3.00%APP Participation Rate (No Cap) 20% 22%

S&P 500® LOW VOLATILITY DAILY RISK CONTROL 5% (Not available in all states)

APP Index Margin (No Cap) 5.75% 5.25%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 5.00% 4.00%

NASDAQ-100® MPP Index Cap Rate 1.00% 1.05%Fixed Account Rate 1.10% 1.30%Premium Bonus 6.00% 8.00%

22

NorthAmericanCharterPlusStateVariations for AK, CA, CT, DE, HI, MO, MN, NV, OH, OK, OR, PA, SC, TX, UT, VA, WA

10-YEAR

S&P 500®

DA Index Margin (No Cap) 7.25%MPP Index Cap Rate 1.10%APP Index Cap Rate 2.50%APP Participation Rate (No Cap) 20%


APP Index Margin (No Cap) 5.75%


Two-Year PTP Index Margin (No Cap) (Annual Index Margin Shown) 5.50%

NASDAQ-100® MPP Index Cap Rate 0.90%Fixed Account Rate 1.00%

$75,000+ Initial PremiumPremium Bonus 6.00%


See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 2/4/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

FIXED INDEXANNUITIES1 Withdrawal Provisions/Contract Features Surrender

Charges6Issue Ages MVA2 States Not

Available

NorthAmericanCharterPlussm10yearoptionPremiumBonus


6.00% Premium Bonus


14yearoptionPremiumBonus


8.00% Premium Bonus


Clients may transfer between Fixed & Index account options or crediting methods within Index account an-nually. You have 30 days each contract anniversary to reallocate. Transfers not allowed until 1st contract yr. The ability to transfer annually for the 30 days is also

by current company practice .Annuitization Benefit: By current Company practice, proceeds may be converted

to an annuity payment option after yr 1. Income pay-ments will be based on the Accumulation Value if a Life, Life & Certain or Joint Life option is selected. Full acct

value at death.10% of Accum Value each year after yr. 1 The penalty-free withdrawal will increase by 10% of the Accumulation Value. Death benefit accum value goes to beneficiary upon death. Receive lump sum or a series

of payments. Premium Bonus recapture provision.

10 Years(10,10,9,9,88,7,6,4,2)

14 Years(12,12,11,11,10,9,8,7,6,5,4,3,2,1)

10 Years0-79

Q & NQ

14 Years0-75

Q & NQ(IN - Issue age 0-74)(CA - Issue age 0-52)(NH - Issue age 0-74)

Yes

10YearNY

14 YearAK, CT, DE, HI, MA, MN, MO, MT, NV, NY, OH, OK, OR, PA, SC, TX,

UT, VA, WA

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6

States NotAvailable

NorthAmericanVersaChoice

87.5% of premiums

less withdrawals @ 1.00%

Modified Single

Premium

$20,000Non-

Qualified

$20,000Qualified

10% free withdrawals after the issue date of the beginning of year accumulation value each year

Add the Enhanced Liquidity Benefit Rider for 0.50% annually and get these features:

• Enhanced penalty-free withdrawals: Beginning in the second year, up to 20% free• Return of premium: Any time after the second contract year,the client may terminate the contract and receive no less thanthe contract’s net premium paid.• ADL-based surrender charge waiver: If client is unable tocomplete two of the six activities of daily living (ADLs) after theissue date and otherwise qualifies, it’s possible to get up to100% of accumulation value immediately with no surrendercharges.• ADL-based payout benefit: After the second contractanniversary, if a client is unable to complete two of the sixADLs and otherwise qualifies, they may choose to draw anincome over fi ve years that is based on an enhancedaccumulation value amount (percentage varies by contractyear)

10 Years(10,10,9,9,8,8,7,6,4,2)

NY

MVA2

N

Issue Ages

0-79


10 Year

$75k+ Initial

Premium

$20k - 74,999k+

Initial Premium

S&P 500® MPtP Index Cap Rate 1.80% 1.50%APtP Index Cap Rate 4.00% 3.50%

APtP Participation Rate (No Cap) 25% 20%

Two Year PtP with Participation Rate 35% 30%

S&P MARC 5% ER

Two Year PtP with Participation Rate 115% 100%

Annual PtP with Participation Rate 80% 65%

S&P 500 LOW VOLATILITY DAILY RISK CON-TROL 5%

APtP Index Margin (No Cap) 2.00% 2.75%

Fidelity Multifactor Yield Index 5% ER

APtP Participation Rate (No Cap) 80% 65%Two Year PtP with Participation

Rate 115% 100%Annual Point-to-Point with

enhanced Participation Rate 140% 125%

Strategy Charge 1.50% 1.50%Two-year Point-to-Point with Enhanced Participation Rate 200% 185%

Strategy Charge 1.50% 1.50%Fixed Account 2.00% 1.70%


See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 3/17/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

23

NorthAmericanPerformanceChoicesm8

UtahRates-callfordetails!!

87.5% of premiums


$20,000NQ-Q

Penalty Free Withdrawals - After the 1st contract yr, withdrawal once per year not to exceed 10% of the Accumulation Value is available.

Interest Adjustment - Applied only during the Interest Adjustment pe-riod to surrenders exceeding the applicable penalty-free amount and

limited to the Interest credited to the Accumulation Value.

Annual Transfer Option: After the first year, you may transfer between available accounts and/or crediting methods on each contract

anniversary.

Surrender Value: Value never less than minimum required by state laws at the time of issue where the contract is delivered.

Riders: Nursing Home Confinement Waiver (not available in all states)

Surrender Charges6

8 Years(10,10,10,10,

9,8,5,3)NY

(UT - Call for details)

MVA2

Y

Issue Ages0-85

Q & NQ0-52 SC0-82 IN

FIXED INDEXANNUITIES1 Index Cap Rate Only

Minimum Surrender

Value

Minimum Premium


Surrender Charges6

States NotAvailable


APP MPP IPTS&P 500® 3.90% 1.75% 4.50%S&P MARC 5% ER 1.00% N/A N/ADJIASM 3.20% N/A N/AS&P MARC 5% ER w/Par. Rate 75% N/A N/A

Russell 2000® 3.00% N/A N/ANASDAQ-100® 3.00% 1.60% N/AEURO STOXX 3.50% N/A N/AHang Seng 3.30% N/A N/AFixed Account 1.90%

24See website for full disclaimer information. www.igroupweb.com/NAAdisclaimer.pdfFORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 3/17/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394

NACIncomeChoice 10

LOW BAND($20,000 - $249,999)

HIGH BAND($250,000+)Call For Details!!!

$20,000Q&NQ

Additional Liquidity: For a cost, the optional Additional Benefit Rider offers additional liquidity when added to the Contract.

10% penalty-free withdrawals, beginning in the third contract year, increase to 20% if no withdrawals taken in the previous

year. (this is the maximim amount) Return of premium is avail-able in third contract year, less premium bonus, withdrawals and any rider costs (excluding the Additional Benefit Rider

cost) 4% Additional Payout Benefit is available on Accumula-tion Value at payout, after the surrender charge period. Ad-

ditional Premium Bonus: Premium Bonus increases from 3% to 8%. Additional Payout Benefit: 4% Accumulation Value at

payout after the surrender charge period. Return of Premium: Available in third contract year, less premium bonus, withdraw-als and any rider costs (excluding the Additional Benefit Rider cost). Additional Benefit Rider Premium Bonus: The premium

bonus recapture also applies to any increased premium bonus due to the Additional Benefit Rider and the cost of the Rider will continue to be deducted even if the part of the additional

premium bonus has been recaptured.

Surrender Charges6

NY

10 Years(10,10,10,10,10,9,8,6,4,2)

MVA2

N

Issue Ages

40-79

States NotAvailable10 Year Surrender Charge Margin APP PR PTP MPP IPT

S&P 500® N/A 15% 2.5% 1.00% N/AS&P MARC 5% ER 3.5% N/A N/A N/A N/AS&P 500 Low Volatility Daily Risk Control 5%

APtP w/Threshold Participa-tion Rates (No Cap)

Index Return Threshold 9.5%

Base Par Rate 15%

Enhanced Par Rate 100%

Fixed Account 1.00%GLWB Bonus 2.00%

87.5% of premiums


Minimum Surrender

Value

Minimum Premium


FIXED INDEXANNUITIES Blended Product

Minimum Surrender

Value

Minimum Premium


Surrender Charges


StrategicDesignAnnuityX

87.5% of premiums


$50,000Q&NQ

• After the first contract anniversary, up to 7% of the initial premium each year.• Guaranteed lifetime withdrawal benefit (GLWB): GLWB value roll-up of 200

percent of the interest credited expedites potential income growth• Enhanced penalty-free withdrawals: Annual penalty-free withdrawal percent-

age starts at 10 percent after the first contract anniversary but can grow as large as 32 percent.

• Lifetime income option: Level or increasing options for lifetime payments.• Lifetime payment amount multiplier (may not be available in all states):

Doubled lifetime payment amount up to five years, eligibility based on in-ability to perform two of six activities of daily living (ADLs4).

• Accumulation value step-up: On the ninth and 10th contract anniversaries, if interest credits are less than the total amount of rider charges incurred the accumulation value will increase by the accumulation value step-up amount.

10 Years(10,10,10,10,10

9,8,7,6,4,2)

NY

MVA

N

Issue Ages

50-79


GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

SageSelectFixedIndexed(4.00%ImmediateBonusInterestonInitialPremium)

Declared Rate Strategy Interest Rate: 1.50%

S&P 500® Index Strategy Cap: 2.00%

Global Multi Index Strategy 3 Participation Rate 11.00%

3.00% on 87.5% of Premium

Single Purchase Payment $2,000 Q&NQ

(no inherited

IRA’s)

Penalty Free Withdrawals - Beginning in year 2, the owner can withdraw up to 10% each year. If this amount is not withdrawn it is cumulatively added to the following years penalty free withdrawal, up to 50%.Allocation Dates - Can occur the 1st, 8th, 15th or 22nd day of the month.Nursing Home Facility or Confirmed Care Facility Confine-ment - If owner qualifies, the maximum free withdrawal percentage will be 100%.Death of Owner - Death benefit will be paid if the owner dies before the maturity date. It will be paid in one lump sum or an available settlement option may be chosen.

9 Years (9,8,7,6,5,4,3,2,1)

15 days

to age 85-NQ

15 days

to age 85-Q

NAK, CT, ME, NY,

VT

SageSecureFIA

CallforCaliforniaRates!

Declared Rate

S&P 500 Index1 Yr Pt-to-Pt

Global Multi-Index1 Yr Pt-to-Pt w/Par

This value is 87.5%

of the single

premium paid

Minimum Premium Amount $25,000(Q & NQ)

Maxium Premium Amount

$750,000

PenaltyFreeWithdrawalsallowed:-Maxium Penalty Free Withdrawal Percentage: 10% each year (Beginning contract year 2)-Nursing Home Facility, Confined Facility Care Confine-ment or Terminal Illness: Maximum Penalty Free-Withdrawal percentage will be 100% when certain nurs-ing home, confined care facility confinement or terminal illness conditions are met (Beginning day 1)• Transfer/Relocations are allowed at the end of each

1-year term period• Market Value Adjustment (MVA)• Maturity is reached on the contract anniversary following

the Annuitant’s 100th birthday• The Death Benefit may be paid out in a lump sum or an

available settlement option may be chosen

10 Years (9,9,8,7,6,5,4,3,2,1)

7 Years (9,8,7,6,5,4,3)

5 Years (9,8,7,6,5)

Issue age for owner

and An-nuitant 15 days

to 90 years

(Age last birthday

YAK, CT, ME, MT, NY, VT

10 Year$100,000+ 2.05% 4.10% 30.25%$25,000- $99,999 1.90% 3.35% 25.25%

7 Year$100,000+ 1.95% 3.90% 29.00%$25,000- $99,999 1.70% 3.15% 24.00%

5 Year$100,000+ 1.85% 3.80% 28.50%

$25,000- $99,999 1.55% 3.05% 23.50%

SAGICORLIFEINSURANCECOMPANY(Sagicor)

BeforesendingbusinesstoSagicor:Everyagentinallstatesmusthaveitconfirmedthattheappointmentprocesshasbeencompletedandproducttraininghasbeensuccessfullycompleted.

25


10 YearS&P 500® MPtP Index Cap Rate 1.45%

APtP Index Cap Rate 3.75%APtP Participation Rate (No Cap) 30%

APtP w/Inverse Edge

Trigger

Negative Index Return Threshold -10.00%Base Declared Performance Rate 2.00%Enhanced Declared Performance Rate 5.45%

S&P MARC 5% ER

APtP Participation Rate (No Cap) 70%Two-Year PtP Participation Rate (No Cap) 100%

Fixed Account 1.70%

NEW

FORAGENTUSEONLY.NOTTOBEUSEDFORCONSUMERSOLICITATIONPURPOSES.Rates effective 2/4/20. Rates and commissions are subject to change. Check for current state approvals.DK1360-A7394


NEW


$250bonusforE-application

throughSept.30

$250bonusforE-application

throughSept.30


GuaranteedInterest

MinimumPremium


Ages

MVAY=YesN=No

StatesNotAvailable

RoyalSelectFIA

8%Bonus!

FixedRate:1.30%

1%on87.5%ofpremium

$10,000-$350,000Q&NQ

Beginninginthesecondyear:upto10%ofaccumulatedvalue

WaiverofSurrender/WithdrawalCharges:TerminalIllnessBenefit,HomeHealthBenefit,NursingHomeBenefit

MarketValueAdjustment(MVA):themarketvalueadjustmentisap-pliedonlyduringthesurrender/withdrawalchargeperiodandonlyonamountsthatexceedthepenaltyfreewithdrawalamount.

10years(10,9,8,7,6,5,4,3,2,1)

18-80Q&NQ Y AL,MT,MS,NY,

VT,WV

AnnualPoint-to-PointCap:3.30%

MonthlyAverageCap:3.30%

OptionalGLWBIncomeAccountRate:6.75%

SilverSelectFIA

4%Bonus!

FixedRate:1.70%

1%on87.5%ofpremium

$10,000-$350,000Q&NQ




10years(10,9,8,7,6,5,4,3,2,1)

18-80Q&NQ Y AL,MT,MS,NY,

VT,WV

AnnualPoint-to-PointCap:4.00%


OptionalGLWBIncomeAccountRate:7.15%

SelectSeries:Select3 FixedRate:1.55%

1%on87.5%ofpremium

$20,000-$350,000Q&NQ




3years(10,9,8)

18-80Q&NQ Y AL,MS,NY,

VT,WVAnnualPoint-to-PointCap:3.75%



1%on87.5%ofpremium

$20,000-$350,000Q&NQ




5years(10,9,8,7,6)





1%on87.5%ofpremium

$20,000-$350,000Q&NQ




7years(10,9,8,7,6,5,4)





1%on87.5%ofpremium

$20,000-$350,000Q&NQ




10years(10,9,8,7,6,5,4,3,2,1)




OXFORDLIFEINSURANCECOMPANY

26(For Agent Use Only)Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.





GuaranteedInterest

MinimumPremium


SurrenderCharges

IssueAges

MVAY=YesN=No

StatesNotAvailable

ProtectiveIndexedAnnuityII5Year

ReturnofPremiumOptionavail-ablewithlowercaps/rates

Premiumsunder$100,000FixedAccount1.55%ParticipationRate100%S&P500AnnualPt-to-PtCap3.50%AnnualTriggerRate2.85%AnnualRateCapforTerm3.40%

Premiumsover$100,000FixedAccount1.80%ParticipationRate100%S&P500AnnualPt-to-PtCap4.25%AnnualTriggerRate3.25%AnnualRateCapforTerm4.15%

1.25%on100%ofPremium

$10,000Q&NQMinimum

AdditionalDeposits$1,000

1styearonly

10%penaltyfreewithdrawalavailableeachyear.Nursing

facility,terminalillness&unemploymentwaivers.Fullaccumulationupon

death

5Years(9,9,8,7,6)

SurrenderchargesdifferinCA,IA&OR

0-85

Y

exceptAK,MO,PA,UT,VT

NY

Caps&RatesarelowerinNon-MVAstates






$10,000Q&NQMinimum


1styearonly



death

7Years(9,9,8,7,6,5,4)


0-85

Y


NY







$10,000Q&NQMinimum


1styearonly



death

10Years(9,9,8,7,6,5,4,3,2,1)


0-85

Y


NY


ProtectiveIndexedAnnuityNewYork5Year


Premiumsunder$100,000FixedAccount1.30%ParticipationRate100%S&P500AnnualPt-to-PtCap2.70%AnnualTriggeredRate2.05%

Premiumsover$100,000FixedAccount1.40%ParticipationRate100%S&P500AnnualPt-to-PtCap3.00%AnnualTriggeredRate2.25%


$10,000Q&NQMinimum


1styearonly



death

5Years(9,9,8,7,6) 0-85 N

AVAILABLEONLYIN

NY






$10,000Q&NQMinimum


1styearonly



death

7Years(9,9,8,7,6,5,4) 0-85 N

AVAILABLEONLYIN

NY






$10,000Q&NQMinimum


1styearonly



death

10Years(9,9,8,7,6,5,4,3,2,1)


0-85 NAVAILABLEONLYIN

NY

ProtectiveAssetBuilder6Year




$10,000Q&NQMinimum


1styearonly



death

6Years(9,8,7,6,5,4) 0-85 Y NY

ProtectiveAssetBuilder8Year




$10,000Q&NQMinimum


1styearonly



death

5Years(9,9,8,7,6) 0-85 Y NY

PROTECTIVELIFEINSURANCECOMPANY(PLIC)

27AnnualTriggerRate:Thisstrategycreditsapredetermindedtriggerinterestratewhenindexperformanceisflatorpositive.Whenindexperformanceisnegative,nointerestiscreditedforthatyear.AnnualTieredRate:Thisstrategycreditsabaseinterestratewhenindexperformanceisflatorpositiveandaperformanceindexperformancereachesaspecifiedperformancetier.Whenindexper-formanceisnegative,nointerestiscreditedforthatyear.Effective3/15/2016,theS&P500®Indexmusthaveanannualreturnof15.00%fortheperformanceinterestrateenhancementtobeapplied.


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Premium Bonus!!! Marketers FIA... · 2020. 5. 27. · • Income Rider! • 2 Year Monthly Average Cap at 8.00% (Rates if Income Rider Not Elected) FEEL THE POWER MarketPower Bonus