Financial Independence Group, Inc.

Equity Indexed Annuities

For information call (800) 527-1155

Product

Index Term

Participation

Surrender

Min

Minimum

Special

Available in

Commissions

FPDA/SPDA

Remarks

Cap

Period

Premium

Guarantees

Features

all states

Spread

Issue Ages

Except

Allianz Life Insurance Company of North America

5701 Golden Hills Drive Mineapolis, MN 55416

AM Best A+ S&P AA- Fitch A+ Moody's A2

5% Bonus

pt to pt

S&P500

12 years

0-85

3% on 75%

Full AV

penalty free

Nursing Home

AL, CT, IN, IL, KY,

(0-75)

PowerDex

Partic.: 100%

15,15,15,15,15

of 1st yr

0X5

available

Benefit

NY, NJ, OR, PA

Year 1: 9%

Elite

Cap: 8%

13.02, 10.86, 8.70,

$25K NQ&Q

premium

in yr 2 of 5%

UT, WA

Years 2-5: 4.5%

FPDA

5% bonus

6.54, 4.38, 2.22

87.50%

of premium

(76-85)

Fixed Account: 3.00%

premium

annually up

Year 1: 7%

yrs 2+

to 25%

Years 2-5: 3.5%

lifetime

10% Bonus

pt to pt

100% part (pt to pt)

5X10

0-85

3% on 75%

Full AV

penalty free

Nursing Home

IL, NY, NJ, OR

(0-75)

PowerDex

10% cap

of 1st yr

0X5 or csv

available

Benefit

UT, WA

Year 1: 9%

Elite

(S&P500 and Nasdaq 100)

$5K NQ

premium

or gtd.

in yr 2 of 5%

Years 2-5: 4.5%

FPDA

$2K Q

87.50%

rop

of premium

(76-85)

14.40% 1st yr yield*

premium

less

annually up

Year 1: 7%

4.00% base rate

yrs 2+

withdrawals

to 25%

Years 2-5: 3.5%

10% bonus

lifetime

BonusDex

montly avg

100% part (mo avg)

5X10

0-80

3% on 75%

Full AV

penalty free

Nusing Home

IL, MN, NY,

(0-80) 7% yr 1

Elite

15% cap

of 1st yr

0X5 or csv

available

Benefit

NJ, OR, UT, WA

3.5% years 2-5

FPDA

(S&P500 and Nasdaq)

$5K NQ

premium

or gtd.

in yr 2

$2K Q

87.50%

rop

of 5%

14.40% 1st yr yield*

premium

less

annually up

4.00% base rate

yrs 2+

withdrawals

to 25%

10% bonus

lifetime

FlexDex

mo. Avg

Monthly avg.

12 years

0-85

3% on 75%

Full AV

penalty free

Nusing Home

No Longer Available

(0-85) 6% 1st yr

Multi-Choice

pt to pt

100% part.

15,15,15,15,15

of 1st yr

0X5 or csv

available

Benefit

(years 2-5) 3%

Elite

S&P500

9% cap

13.02, 10.86, 8.70,

$25K NQ&Q

premium

or gtd.

in yr 2

FPDA

pt to pt

6.54, 4.38, 2.22

87.50%

rop

of 5%

3.75% in IN

55% part.

premium

less

annually up

4% in PA

9% cap

yrs 2+

withdrawals

to 25%

8.67% 1st yr yield*

lifetime

3.50% base rate

Up to 5% bonus rate

MasterDex

pt to pt

S&P500 (mo. Pt to pt)

7 years

0-85

3% on 75%

Full AV

penalty free

Nusing Home

NY, OR

Option A

FPDA

monthly cap.

100% participation

10,9,8,7,6,5,4

of 1st yr

0X5 or csv

available

Benefit

(0-75) 7.00% yr 1

2.90% mo cap

(+ / - MVA)

$25K NQ&Q

premium

or gtd.

in yr 2.

(3.5% yrs 2-5)

Nasdaq 100 (mon. Pt to Pt.)

87.50%

rop

10%

(76-85) 5.00% yr 1

100% participation

premium

less

annually up

(2.5% yrs 2-5)

2.90% mo cap

yrs 2+

withdrawals

to 50%

Option B

3.00% interest

lifetime

(0-75) 5.25% yr 1

(2.62% yrs 2-5)

.5% trail comm.

Option C

(0-75) 3.00% y r 1

( 1.5% yrs 2-5)

1% trail comm.

Please see

comment for

AL, IN, KY and PA

MasterDex

pt to pt

S&P500 (mo. Pt to pt)

5 X 10

0-85

3% on 75%

Full AV

penalty free

Nusing Home

NJ, NY, OR, UT, WA

Option A

monthly cap.

100% participation

(+ / - MVA)

of 1st yr

0X5 or csv

available

Benefit

(0-75) 9.00% yr 1

3.30% mo cap

$5K NQ

premium

or gtd.

in yr 2.

(4.5% yrs 2-5)

Nasdaq 100 (mon. avg.)

$2K Q

87.50%

rop

10%

(76-85) 7.00% yr 1

100% participation

premium

less

annually up

(3.5% yrs 2-5)

3.30%mo cap

yrs 2+

withdrawals

to 50%

Option B

13.58% 1st yr yield*

lifetime

(0-75) 7.00% yr 1

3.25% base rate

(3.5% yrs 2-5)

10% bonus for 5 yrs

.5% trail comm.

Option C

(0-75) 4.50% yr 1

(2.25% yrs 2-5)

1% trail comm.

MasterDex

pt to pt

S&P500 (mo. Pt to pt)

10 years

0-85

3% on 80%

Full AV

penalty free

Nusing Home

NY, OR

Please see

monthly cap.

100% participation

15,15,15,15,13.04,

of 1st yr

0X5 or csv

available

Benefit

comment for

2.60% mo cap

10.89,8.75, 6.61, 4.46,

$25K NQ&Q

premium

or gtd.

in yr 2.

AL, CT, IN, KY, NJ

Nasdaq (mon. cap.)

2.32, 0

87.5% on

rop

10%

and PA

5% Bonus

100% participation

(+ / - MVA)

premium

less

annually up

Option A

2.60% mo cap

yrs 2+

withdrawals

to 50%

(0-75) 9.00% yr 1

Bonus is reduced

7.89% 1st yr yield*

lifetime

(4.5% yrs 2-5)

to 3% in AL, CT,

2.75% base rate

(76-85) 7.00% yr 1

IL, IN, KY, NJ,

5% bonus

(3.5% yrs 2-5)

PA, UT and WA

Option B

(0-75) 7.00% yr 1

(3.5% yrs 2-5)

.5% trail comm.

Option C

(0-75) 4.50% yr 1

(2.25% yrs 2-5)

1% trail comm.

PowerDex

Pt. to Pt.

S&P500 (mo avg)

10 years

0-85

3% on 75%

Full AV

penalty free

Nusing Home

MN, NY, NJ,

(0-75) 9% yr 1

Elite

high-water

100% participation

15, 15, 13.28, 11.41

of 1st yr

0X5 or csv

available

Benefit

OR, UT, WA

(0-75) 4.5% yr 2-5

9% cap

9.53, 7.66, 5.78

$5K NQ

premium

or gtd.

in yr 2 up to

(76-85) 7% yr 1

Fixed Account: 3.00%

3.91, 2.03

$2K Q

87.50%

rop

25%

(76-85) 3.5% yr 2-5

premium

less

lifetime

Only in AL

yrs 2+

withdrawals

(0-75) 7.25% yr 1

(0-75) 3.62% yr 2-5

(76-85) 5.25% yr 1

(76-85) 2.62% yr 2-5

Only in PA

(0-75) 7.75% yr 1

(0-75) 3.87% yr 2-5

(76-85) 5.75% yr 1

PremierDex

mo. Pt to pt

S&P 500 (mo pt to pt)

7 years

0-85

87.5% of prem.

Full AV

10% after

Nursing Home

NY, OR, UT, WA

Option A

high-water

100% participation

10,9,8,7,6,5

at 1.5% to 3%

0X5 or csv

year 1 up

Benefit

(0-75) 7.00% yr 1

no fees

4,0

$25k Q & NQ

compounded

or gtd.

to 100%

Return of Prem.

(3.5% yrs 2-3)

4.10% cap

annually

rop

lifetime

at Death

(76-85) 5.00% yr 1

Fixed Account: 3.00%

less

(2.5% yrs 2-5)

withdrawals

Option B

(0-75) 5.25% yr 1

(2.62% yrs 2-3)

.5% trail comm.

Option C

(0-75) 3.00% yr 1

(1.5% yrs 2-3)

1% trail comm.

Please see

comment for

AL, DE, IN, IL,and KY

PremierDex

mo. Pt to pt

S&P 500 (mo pt to pt)

10 years

0-85

87.5% of prem.

Full AV

10% after

Nursing Home

NY, OR, UT, WA

Option A

100% participation

15,15,15,15,

at 2% to 3%

0X5 or csv

year 1 up

Benefit

(0-75) 10.00% yr 1

no fees

12.86, 10.71,

$25k Q & NQ

compounded

or gtd.

to 100%

Return of Prem.

(5.0% yrs 2-5)

5% Bonus

3.90% cap

8.57, 6.43, 4.28

annually

rop

lifetime

at Death

(76-85) 8.00% yr 1

Fixed Account: 2.75%

2.19

less

(4.0% yrs 2-5)

Bonus is reduced

withdrawals

Option B

to 3% in AL, CT,

(0-75) 8.00% yr 1

IN, KY, NJ

(4.0% yrs 2-5)

and PA

.5% trail comm.

Option C

(0-75) 5.50% yr 1

(2.75% yrs 2-5)

1% trail comm.

Please see

comment for

AL, CT, DE, IN, IL,

NY MasterDex

mo. Pt to pt

S&P, NASDAQ

7 Years

0-85

3.00%

Full AV

10% after

NY ONLY

Option A

100% participation

10%

year 1 up

(0-75) 4% yr. 1

no fees

goes down

$25k Q & NQ

to 100%

(2.00% yrs. 2-3)

2.10% cap

monthly by .083%

lifetime

(76-85) 2.00%

Fixed Account: 3.50%

(1.00% yrs. 2-3)

Option B

(0-75) 2% yr. 1

(1.00% yrs. 2-3)

.50% trail

InfiniDex

monthly

Threshold Credit Rate

5 Years

0-85

87.5% prem.

Full AV

10% after

Monthly threshold credits

DE, IA, MN, NJ

Option A

threshold w/

Nasdaq: 2.00%

10%

at no greater

0X5 or csv

year 1 up

NY, OR, UT, WA

(0-75) 3.5% yr. 1

month end

S&P 500: 3.00%

goes down

$25k Q & NQ

than 3.00% &

or gtd.

to 100%

Nursing Home

(1.75% yr. 2)

crediting

monthly by .083%

no less than

rop

lifetime

Benefit

(76-85) 1.5% yr. 1

Fixed Account: 2.25%

1.50%

less

(.75% yr. 2)

no bonus

compounded

withdrawals

Guaranteed Return of

.25% trail comm.

annually

Premium at death

Option B

(0-75) 1.5% yr. 1

(.75% yr. 2)

1.0% trail years 2+

InfiniDex 5

monthly

Threshold Credit Rate

10 Years

0-85

87.5% prem.

Full AV

10% after

Monthly threshold credits

DE, IA, MN, NJ

Option A

threshold w/

Nasdaq: 1.75%

15%

at no greater

0X5 or csv

year 1 up

NY, OR, UT, WA

(0-75) 9.0% yr. 1

month end

S&P 500: 2.75%

beginning in yr 4

$25k Q & NQ

than 3.00% &

or gtd.

to 100%

Nursing Home

(4.5% yrs. 2-5)

crediting

and goes down

no less than

rop

lifetime

Benefit

(76-85) 7.0% yr. 1

Fixed Account: 2.00%

monthly

2.00%

less

(3.5% yrs. 2-5)

5% bonus

compounded

withdrawals

Guaranteed Return of

Option B

annually

Premium at death

(0-75) 7.0% yr. 1

(3.5% yrs. 2-5)

.5% trail years 2+

Option C

(0-75) 4.5% yr. 1

(2.25% yrs 2-5)

1.0% trail years 2+

InfiniDex 10

monthly

Threshold Credit Rate

5x10

0-85

87.5% prem.

Full AV

10% after

Monthly threshold credits

DE, IA, MN, NJ

Option A

threshold w/

Nasdaq: 2.75%

at no greater

0X5 or csv

year 1 up

NY, OR, UT, WA

(0-75) 9.0% yr. 1

month end

S&P 500: 4.00%

$2K Q

than 3.00% &

or gtd.

to 100%

Nursing Home

(4.5% yrs. 2-5)

crediting

$5K NQ

no less than

rop

lifetime

Benefit

(76-85) 7.0% yr. 1

Fixed Account: 2.75%

1.00%

less

(3.5% yrs. 2-5)

10% bonus

compounded

withdrawals

Guaranteed Return of

Option B

annually

Premium at death

(0-75) 7.0% yr. 1

(3.5% yrs. 2-5)

.5% trail years 2+

Option C

(0-75) 4.5% yr. 1

(2.25% yrs 2-5)

1.0% trail years 2+

VersaDex

Annual pt to pt

Nasdaq - 100

7 Years

0-80

90% of premium

Full AV as

10% of

Enhanced Withdrawal

AK, CA, CT, DE, HI,

Option A

100% participation

10,9,8,7,6,5,4

paid receives

lump sum

premium

Benefit (EWB)

IL, IN, IA, MD, MA, MN,

(0-75) 5%

6.75% pt to pt

$10K

a rate of no less

annually

10% bonus to EWB value

MS, MT, NJ, NY, NC,

(2.50% yrs 2-3)

S&P 500

than 1.5% and

ND, OK, OR, PA, UT,

(76-80) 2.50%

100% participation

no greater than

VT, WA, WI

(1.25% yrs 2-3)

7.00% pt to pt

Option B

Blended

(0-75) 3.00%

100% participation

(1.50% yrs 2-3)

8.50% pt to pt

(76-80) 1.50%

(0.75% yrs 2-3)

Fixed: 3.40%

0.33% Trail yrs 2-7

1.00% trail yrs 8+

Option C

(0-75) 0.50%

(0.25% yrs 2-3)

(76-80) 0.25%

(0.125% yrs 2-3)

1.00% trail yrs 2+

1 Not available in all states * To money allocated to the interest earning value. S&P 500 Index does not include dividends

American Equity Investment Life Insurance Company

5000 Westown Parkway Ste. 400 Wes Des Moines, IA 50266

AM Best A-

Freedom

annual reset

ann pt to pt: no fee, 7.50% cap

8 years

0-80 Q

3.5% on 90%

Greater of

10% of cv

Lehman US

CT, NY, OR

NQ:

Gold

ann mo ave

ann pt to pt: no cap, 55% PR

9,8,7,6,5,4,3,1.5,

0-85 NQ

yrs 1-5,

contract

after

Treasury

(0-75) 7%

(INDEX-30)

ann pt to pt

Mo. avg. 10% cap, no fee

3% thereafter

value or

1st yr

Bond Value

(76-80) 5.25%

FPDA

mo pt to pt

Mo. Avg. no cap, 80% PR

$5,000 Q and

MGSV at 1st

(81-85) 3.5%

Leham US

Lehman US Treas. 5%

to die of

Nursing Care Rider

Treas.

mo pt to pt 2.80%

annuitant or

Terminal Illness Rider

(0-75) 7%

Fixed: 3.60%

owner

(76-80) 3.50%

Future

annual reset

10% mo avg

9 year (81-85)

0-80 Q

3.5% on 85%

Greater

10% of cv

Lehman US

Only Avail. In

NQ:

Gold

ann mo ave

7.50% ann pt to pt

9,8,7,6,5,4,3,2

0-85 NQ

of 1st yr plus

of contract

after

Aggergate

FL, MD, MS, OK,

(0-75) 12%

(INDEX - 28)

ann pt to pt

2.80% mo cap on mo pt to pt

87.5% of

value or

1st yr

Bond Value

SC, WY

(76-80) 9%

FPDA

mo pt to pt

5% Lehman US Agg.

12 year

$5,000 Q and

additional

MGSV at 1st

(81-85) 6%

Lehman US

Fixed: 3.60%

15,14,13,12,11,10,

premium yrs

to die of

Nursing Care Rider

Agg.

9,8,7,5,3,1

1-5, 3%

annuitant or

(0-75) 12%

Terminal Illness Rider

(76-80) 6%

Commissions vary in

IN, KY, MD, OK, PA

thereafter

owner

and SC

Bonus

annual reset

S&P 500 mo. Avg.

0-80

0-80 Q

3.00%

Greater

10% per yr.

Nursing Care Rider

CT, MN, NY,

NQ:

Gold

Lehman US Agg

no cap, no fee, 80% part.

20,19.5, 19,18.5,

0-85 NQ

of contract

after 1st yr.

OR, UT

(0-75) 8%

(INDEX-1-05)

annual pt to pt

18,17.5,17,16.5

value or

Terminal Illness Rider

(76-80) 6%

FPDA

mo. Pt to pt

100% part., no fee, 10% cap

15.5,14,12.5,11,

$5,000

MGSV

Systematic

(81-85) 4%

ann. Mo. Avg.

S&P annual pt to pt

9,7,5,3,2%

at first to

w/ draw &

Fixed account\

no cap, no fee, 55% part.

die of Owner

RMD

(0-71) 8%

81-85

immediately

(72-80) 4%

100% part, no fee, 7.5% cap

9,8,7,6,5,4,3

annuitant

from fixed

Commissions vary in

10% bonus

S&P mo. Pt to pt

2,1,0%

value only

IN, KY, MA, MN, ND.

ages 0-80

100% part., no fee, 2.80% cap

OK, PA, SC, VA

5% bonus

Lehman US Agg

and VT

ages 81-85

100% part., no fee, 5% cap

Dow annual mo. Avg

10% cap

Dow annual pt to pt

7.50% cap

Future

annual reset

S%P 500 annual mo. Avg

0-80 (12 Years)

0-80 Q

3.00%

Greater

10% per yr.

Nursing Care Rider

CT, DE, FL, IL, MD,

NQ:

Platinum

Lehman US Agg

10% cap, 100% part., no fee

12.5, 12.5, 12.5,

0-85 NQ

of contract

after 1st yr.

MN, MS, NY, OK, OR,

(0-75) 10.5%

(Index 4-05)

annual pt to pt

11.5, 10.5, 9.5, 8.5,

value or

Terminal Illness Rider

PA, SC, UT, WA, WY

(76-80) 7.87%

FPDA

mo. Pt to pt

no cap, 80% part., no fee

7.5, 6.5, 5, 3.2, 2

$5,000

MGSV

Systematic

(81-85) 5.25%

ann. Mo. Avg.

S&P 500 annual pt to pt

at first to

w/ draw &

Fixed Account

7.50%, 100% part., no fee

81+ (9 Years)

die of Owner

RMD

(0-75) 10.5%

9,8,7,6,5,4,3,2,

immediately

(76-80) 5.25%

no cap, 55% part., no fee

1,0

annuitant

from fixed

S&P mo. Pt to pt

value only

2.80% cap, 100% part., no fee

Lehman US Agg

5% cap, 100% part., no fee

Fixed account - 3.60%

Premier

annual reset

S&P 500 mo. Avg.

0-80

0-85

3.00%

Greater

10% per yr.

Nursing Care Rider

AL, CT, DE, IL, MN,

NQ:

Platinum

Monthly Average

no cap, no fee, 80% part.

17.5, 17, 16.5, 16,

of contract

after 1st yr.

NY, OR, PA, UT, WA

Yr. 1

(Index 5-05)

pt to pt

15.5, 15, 14, 13, 12,

$5,000

value or

Terminal Illness Rider

(0-75) 8.50%

FPDA

mo. Pt to pt

100% part., no fee, 10% cap

11, 10, 9, 8, 6, 4, 2

MGSV

Systematic

(76-80) 6.37%

Lehman US Agg

S&P annual pt to pt

at first to

w/ draw &

(81-85) 4.25%

Fixed Account

no cap, no fee, 55% part.

81-85

die of Owner

RMD

Yrs. 2-5

9, 8, 7, 6, 5, 4, 3, 2

immediately

(0-75) 3.25%

7.5% Bonus

100% part, no fee, 7.5% cap

annuitant

from fixed

(76-80) 2.43%

ages 0-80

S&P mo. Pt to pt

value only

(81-85) 1.62%

3.5% bonus

100% part., no fee, 2.80% cap

ages 81-85

Lehman US Agg

Yr. 1

100% part., no fee, 5% cap

(76-80) 4.25%

Fixed account - 3.60%

Yrs. 2-5

(76-80) 1.62%

American General Life (AIG)

Deferred Annuity Operation B-F5 2727-A Allen Parkway Houston, TX 77019

AM Best A++(Superior) S&P AA+(Very Strong) Fitch AA+(Very Strong) Moody's Aa1(Excellent)

Horizon

annual reset

Fixed: 3.55%

9 years

0-85

0x5

10% after

Interest after

MN, NJ, NY, OK,

(0-75) 7%

Index 9

mo pt to pt

1 yr. mo. Pt to pt - 2.20%cap

10,10,9,8,7

yr. 1

30 days

OR, UT, VT, WA

(76-80) 4.5%

SPDA

2-yr. pt to pt

2 yr. pt to pt - 14.00% cap

6,5,4,2

$5,000

3% in CT,

(81-85) 3%

MA, OR, WA

Extended Care Rider

3% Bonus

Horizon

annual reset

Fixed: 3.55%

12 years

0-85

0x5

10% after

interest after

CT, MN, NJ, NY, OK,

(0-75) 9%

Index 12

mo.pt to pt

1 yr. mo. Pt to pt - 2.20% cap

12,12,12,12,12,

yr. 1

30 days

OR, UT, VT, WA

(76-80) 5%

SPDA

2-yr pt to pt

2 yr. pt to pt - 14.00% cap

11,10,9,8,7,5,3

$5,000

3% in CT,

(81-85) 3.5%

MA, OR, WA

Extended Care Rider

4% Bonus

AG Horizon

Mo. Pt to pt

100% Participation

17, 16, 15, 14, 13,

5 Year 0-85

90% at no less

0-75 - Full AV

10% in first

Will receive a 2% bonus

AK, DE, IL,

5 Year

MultiValue

pt to pt

Mo. Pt to pt - 2.20% cap

10, 9, 8, 7, 6, 5, 4,

10 Year 0-80

than 2%

76+ - greater of

year

on 5 year anniversary,

MN, NJ, NY,

(0-75) 4.00%

SPDA

5 yr. pt to pt

Pt to pt - 6.75% cap

3, 2, 1

15 Year 0-75

premiums paid

a 2% bonus on 10 yr.

OR, PA, UT,

(76-85) 3.50%

5 Yr. pt to pt - 15% fee, no cap

less w/drawals

anniversary & a 3%

VT, WA

10 Year

Up to 7%

5 Yr. Fixed: 3.50%

$20k

or the w/drawal

bonus on 15 yr. anniv.

(0-75) 7.00%

10 Yr. Fixed: 3.65%

value

(76-80) 6.00%

15 Yr. Fixed: 3.75%

Extended Care Rider

15 Year

(0-75) 9.00%

Emerging

annual reset

100% Participation

10 years

0-80

90% at no less

Full AV

Beginning

AK, CT, DE, IL, IN,

(0-75) 7.00%

Edge Annuity

Pt to pt - 7.50%

12, 11.5, 11, 10.5,

than 2%

as long as the

in contract

MN, NJ, NY,

(76-80) 4.00%

SPDA

80% Participation

10, 9, 7, 5, 3, 1, 0

$5K NQ

benefit is

year 2, up to

OR, PA,

Pt to pt - 8.00%

$2K Q

paid as a

10% of the

UT, VT, WA

no cap; 55% participation

stream of

annuity value,

Fixed: 4.15%

payments

as of previous

(min payout

contract

period 5 yrs)

anniversary

Vision

Mo. Avg

100% Participation

5 Years

0-85

90% at no less

Full AV

10% annuity

Extended Care Rider

AK, CT, DE, IL, IN,

Advantage 5

Annual pt to pt

pt to pt: 6.75%

9, 7.5, 6, 4.5, 3

than 2%

value as of

MD, MA, MN, MS, NJ,

SPDA

80% Participation

$15K Q & NQ

NY, OK, OR, PA, UT,

pt to pt: 7.25%

anniversary

VT, VA, WA

50% Adjustable Part. Rate

1.05% spread

Fixed: 3.60%

Vision

Mo. Avg

100% Participation

7 Years

0-85

90% at no less

Full AV

10% annuity

Extended Care Rider

AK, CT, DE, IL, IN,

Advantage 7

Annual pt to pt

pt to pt: 7.25%

9,8,7,6,5,4,3

than 2%

value as of

MD, MA, MN, MS, NJ,

SPDA

80% Participation

$15K Q & NQ

NY, OK, OR, PA, UT,

pt to pt: 7.75%

anniversary

VT, VA, WA

50% Adjustable Part. Rate

.90% spread

Fixed: 3.90%

Vision

Mo. Avg

100% Participation

9 Years

0-80

90% at no less

Full AV

10% annuity

Extended Care Rider

AK, CT, DE, IL, IN,

Advantage 9

Annual pt to pt

pt to pt: 7.75%

10,9,8,7,6,5,4,3,2

than 2%

value as of

MD, MA, MN, MS, NJ,

SPDA

80% Participation

$15K Q & NQ

NY, OK, OR, PA, UT,

pt to pt: 8.25%

anniversary

VT, VA, WA

55% Adjustable Part. Rate

.85% spread

Fixed: 4.15%

American Investors Life

555 South Kansas Avenue Topeka, KS 66601

AM Best A(Excellent) S&P A+ Moody's A3

American

1 Yr Mo. Avg.

100% Participation Rate

7 Years

0-85

Please see

Full AV

1/2% of initial

Confinement Waiver

AL, CT, DE,

>=$100,000

Edge

1 Yr Pt to Pt

1 Year Mo. Avg:

Ages 0-85

comment

prem. Per mo.

Terminal Illness

IL, IN,

(0-75) 7.0%

FPDA

1 yr. Mo. Pt to pt

.60% fee, no cap

12,12,11,10,9,8,6

(1st yr.)

Waiver

MN, NJ, NY,

(76-80) 6.0%

1 Year Pt to Pt:

Ages 86-90

$25k

10% accum.

OR, PA, UT,

(81-85) 5.0%

8.00% cap, no fee

8,7,6,5,4,3,2

value as of

1 Year Mo. Pt to Pt:

last policy