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

Accumulator

up to

5x10

0-80

75% of

Full AV

penalty free

Nursing Home

IL, MN, NY,

(0-80) 7% yr 1

Bonus

10% bonus

14.68% 1st yr yield

1st year

0 X 5 or

available in

Benefit

NJ, OR, UT, WA

3.5% yrs 2-5

Maxxx

(based on

4.25% base rate

$5K NQ

premium

csv in lump

year 2

Elite

initial premium)

$2K Q

87.5% on

sum

5% of prem

FPDA

premium

annually up

yrs 2+ at

to 25%

3%

lifetime

Cash Bonus

up to

1 X 10

0-85

90%

Full AV

penalty free

Nursing Home

IL, NY,

(0-85) 4%

Elite

10% bonus

14.68% 1st yr yield

growing at

01 X 5 or

available in

Benefit

NJ, OR, UT, WA

years 1-5

FPDA

(based on

4.25% base rate

$5K NQ

3.00%

csv in lump

year 2

initial premium)

$2K Q

sum

5% of prem

annually up to

25% lifetime

Dominator

no bonus

(+ / - MVA)

0-85

MYG

Full AV

penalty free

guaranteed

NJ, NY, OR, PA

Series

90% at 3%

0X 5

available in

return of

10 year

3.70%

10 years

$20K NQ&Q

or csv

year 2

premium at

(0-85) 4.50%

guaranteed 10 yrs

10,9,8,7,6,5,4,3,2,1

in lump sum

up to 15%

death

9 year

3.60%

9 years

lifetime

less withdrawals

(0-85) 4%

guaranteed 9 yrs

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

loan

( or 0X 5)

8 year

3.50%

8 years

provision

(0-85) 4%

guaranteed 8 yrs

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

available

7 year

3.40%

7 years

up to 50%

(0-85) 4%

guaranteed 7 yrs

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

of csv

6 year

3.30%

6 years

(0-85) 3.50%

guaranteed 6 yrs

10,9,8,7,6,5

5 year

3.25%

5 years

(0-85) 3.50%

guaranteed 5 yrs

10,9,8,7,6

Power 7

up to

10 years

0-85

90%

Full AV 0X5

systematic

Nursing Home

NY, OR, PA, UT,

(0-85) 4%

Elite

7% bonus

9.94% 1st yr yield

10,9,8,7,6,5,4,3,2,1

growing at

or csv in

interest

Benefit

WA

2.75% base rate

(+ / - MVA)

$20K NQ&Q

3%

lump sum

available

immediately

Power

1% bonus

4.26% 1st yr yield

1X5

0-85

75% of

Full AV

penalty free

Nursing Home

No Longer Available

(0-55) 5%

Rate 5

interest

3.25% base rate

1st year

0 X 5 or

available in

Benefit

(56-85) 3.50%

Elite

$5K NQ

premium

csv in lump

yr 2, 5% of

87.5% on

sum

prem. annually

premium

up to 25%

FPDA

$2K Q

yrs 2+ at 3%

lifetime

American Equity Investment Life Insurance Company

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

AM Best A-

Guarantee

1% for the

4.00%

10 Years

0-80Q

3.00%

Full AV

10% per yr.

Nursing Home

CT, IL, IN, MD,

Yr. 1

Plus 1

1st 5 years

base 3.00%

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

0-85NQ

after yr. 1

Rider

ME, MN, NC, NH,

Q & NQ (0-75) 5.50%

FPDA

7,6,4,2,0%

Systematic

Terminal Illness

NY, OR, PA, RI,

NQ ( 76-80) 4.12%

$2kQ

W/D and RMD

Rider

SC, UT, VT, WA

NQ (81-85) 2.75%

$5k NQ

immediately

Q ( 76-80) 2.75%

Yrs. 2-5

Q & NQ (0-75) 2.75%

NQ (76-80) 2.06%

NQ (81-85) 1.37%

Q (76-80) 1.37%

Guarantee

2% for the

5.00%

10 Years

0-80Q

3.00%

Full AV

10% per yr.

Nursing Home

CT, IL, MD, ME,

Yr. 1

Plus 2

1st 5 years

base 3.00%

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

0-85NQ

after yr. 1

Rider

NC, NH, NY, OR,

Q & NQ (0-75) 5.00%

FPDA

7,6,4,2,0%

Systematic

Terminal Illness

PA, RI, SC, UT,

NQ (76-80) 3.75%

$2kQ

W/D and RMD

Rider

VT, WA

NQ (81-85) 2.50%

$5k NQ

immediately

Q (76-80) 2.50%

Yrs. 2-5

Q & NQ (0-75) 1.50%

NQ (76-80) 1.12%

NQ (81-85) 0.75%

Q (76-80) 0.75%

FPDA-10

2% Bonus

5.75% first year

12 Years

0-80Q

3.00%

Full AV

10% per yr.

Nursing Home

CT,IL, MN,

Non-Qualified:

FPDA

3.75% base rate

14, 13, 12.5, 12,

0-85 NQ

after yr. 1

Rider

NY, UT

Yr. 1

11.5, 11, 9.5, 8,

Systematic

Terminal Illness

(0-75) 10.00%

6.5, 5, 3.5, 2

$2kQ

W/D and RMD

Rider

(76-80) 7.50%

$5kNQ

immediately

(81-85) 5.00%

Yrs. 2-5

(0-75) 3.75%

(76-80) 2.81%

(81-85) 1.87%

Qualified:

Yr. 1 5.00%

Yrs. 2-5 1.87%

Commissions vary in

MA, ND, TX, VA

FPDA-11

6% Bonus

9.75% first year

12 Years

0-80 Q

3.00%

Full AV

10% per yr.

Nursing Home

AL, CT, IL, MN, NY,

Non-Qualified:

FPDA

3.75% base rate

14, 14, 13, 12, 11,

0-85 NQ

after yr. 1

Rider

OR, UT, WA

Yr. 1

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

Systematic

Terminal Illness

(0-75) 5.00%

$2kQ

W/D and RMD

Rider

(76-80) 3.75%

$5kNQ

immediately

(81-85) 2.50%

Yrs. 2-5

(0-75) 2.75%

(76-80) 2.06%

(81-85) 1.37%

Qualified:

Yr. 1 2.50%

Yrs. 2-5 1.37%

Commissions vary in

MA, ND, TX, VA

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)

AG

no bonus

4.40% guaranteed

6 years

0-85 NQ

2%

Full AV

penalty free

low

IL, MA, NY, WA

(0-85) .85%

Horizon VM

5,5,5,5,5,0

0-70 IRA's

10% after

minimum

first year

SPDA

0-85Q (non IRA)

3% in CT,

1st year

premium

$25 / month

OR

or $500

AG

no bonus

5 yr. 4.25%

7 years

0-85 NQ

3%

Full AV

1 free at 10%

Extended Care

MD, MN, NY

5 yr: 2.40%

Horizon

7 yr: 4.10%

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

0-70 Q

after 1st yr

Rider

PA, WA

7 yr: 4.5%

Choice

8 yr: 4.35%

0-85Q (non IRA)

MA, OR of

8 yr: 3.5%

SPDA

9 yr: 4.65%

$5K NQ

withdrawal

9 yr: 2.65%

10 yr: 4.30%

$2K Q

value

10 yr: 5.00%

AG

6% Bonus

9.50% first year

9 years

0-85 NQ

2%

surrender value

10%

Extended Care

MN, NJ, NY, OR,

(0-75) 6.00%

Horizon

base: 3.50%

grades down

0-70 Q

or full acct.

after 1st yr

Rider

PA, UT, WA

(76-80) 3.20%

Plus

Replacing

years 2-6

annually each

0-85Q (non IRA)

value if

(81-85) 1.35%

2004

Horizon

year

$5K NQ&Q

annuitized

SPDA

Plus

HorizonMYG

4% bonus

7.50% first year

10 Years

0-85 Q & NQ

2% on 90%

Full AV

10% beginning

Extended Care

MN, NJ, NY, UT

(0-75) 7.5%

Annuity

1st year

3.50% years 2-6

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

in yr. 1

Rider

(76-80) 5.0%

SPDA

2,1,0

$5k Q & NQ

Interest Only

(81-85) 3.00%

Horizon

no bonus

5 Year: 4.30%

10 Years

0-85

2.00%

Full AV

10% after

Extended Care

MN,

(0-80) 4.00%

Select

7 Year: 4.45%

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

yr. 1

Rider

NJ, NY, OR, PA,

(81-85) 3.00%

SPDA

10 Year: 4.55%

3,2,1

$5,000

WA

American Investors Life

555 South Kansas Avenue Topeka, KS 66601

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

FPDA P10

No Bonus

5.55% in year 1

10 Years

0-80

2.00%

0x5

Accumulated

Confinement

NJ, NY, OR

(0-80) 7.00%

(FPDA)

12,12,11,10,9

int. up to 10%

Waiver

8,7,6,5,3

$5k NQ

of accum.

$2k Q

value

See comment for

3.0% min. states

Alliance Plus

Base of 3%

4.75% in year 1

10 Years

0-80

2.20%

0-70

Accumulated

Confinement

CT, ND, NH, NJ,

Yr. 1

PO

12,10.8,9.6,8.4,

Full AV

int. up to 10%

Waiver

NY, OR, UT, WA

8.00%

(FPDA)

7.2,6,4.8,

$5k NQ

of accum.

Yrs. 2-5

3.6,2.4,1.2

$2k Q

71-90

value

3.50%

0x5 or

Cash Surrender

Value

Alliance Plus

Base of 3%

5.40% in year 1

11 Years

0-80

2.10%

0-70

Accumulated

Confinement

CT, NH, NJ, NY,

Yr. 1

P2

12,10.9,9.8,8.7,

Full AV

int. up to 10%

Waiver

OR, UT, WA

7.50%

(FPDA)

7.6,6.5,5.4,4.3

$5k NQ

of accum.

Yrs. 2-5

3.2,2.1,1

$2k Q

71-90

value

3.50%

0x5 or

Cash Surrender

Value

Alliance Plus

Base of 3%

6.40% in year 1

12 Years

0-80

2.00%

0-70

Accumulated

Confinement

CT, ND, NJ, NY,

Yr. 1

P4

12,11,10,9,8,7,

Full AV

int. up to 10%

Waiver

OR, UT, WA

7.00%

(FPDA)

6,5,4,3,2,1

$5k NQ

of accum.

Yrs. 2-5

$2k Q

71-90

value

3.00%

0x5 or

Cash Surrender

See comment for

Value

3.0% min. states

American Eagle

No Bonus

5.25% in year 1

8 Years

0-85

2.00%

Full AV

Accumulated

Confinement

NY, OR

(0-70) 6.5%

(SPDA)

10,9,8,7,6,

int. up to 10%

Waiver

(71-80) 5.0%

5,4,2

of accum.

(81-90) 3.0%

$5k NQ

value

$2k Q

LERO opt.

See comment for

avail.

3.0% min. states

2000 Plus

No Bonus

5.25% in year 1

10 Years

0-80

2.00%

0-70

Accumulated

Confinement

NY, OR

5.00%

(SPDA)

10,9,8,7,6,

Full AV

int. up to 10%

Waiver

4.0% in 3% min.

5,4,3,2,1

$5k NQ

of accum.

states

$2k Q

71-90

value

0x5 or

Cash Surrender

Value

Platinum

No Bonus

5.35% in year 1

7 Years

0-85

2.00%

Full AV

Accumulated

Confinement

NY, OR

(0-75) 3.5%

Eagle

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

int. up to 10%

Waiver

(76-85) 2.5%

(SPDA)

$5k NQ

of accum.

$2k Q

value

See comment for

LERO opt.

3.0% min. states

avail.

American National

c/o Lisa Ellis, 9th Floor One Moody Plaza Galveston, TX 77550

AM Best A+ S&P AA

Palladium

Century 1: 1%

4.60% 1st yr.

Century 1

0-90

Interest Rate

Greater of

Interest only

AL, CT,

Century 1

Century

3.60% base

10 year

$5k Q & NQ

declared at

Annuity Value

avail. At

IL, MA,

(0-74) 6%

(SPDA)

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

time of issue

or Surrender

issue

MN, NJ, NY,

(75-90) 3.5%

2,1,0

will be rate

Value

OR, PA,

Trail Option:

Century 3: 3%

6.60% 1st yr.

Century 3

0-85

for lifetime

10% after

UT, WA

(0-74) 4%

3.60% base

10 year

$5k Q & NQ

of contract.

year 1

(75-90) 1.5%

11,10,9,8,7,6,5,4,

This rate will

Century 3

3,2,0

not exceed

(0-74) 7%

Century 5:5%

8.60% 1st yr.

Century 5

0-80

3% and will

(75-85) 4.5%

3.60% base

10 Year

$5k Q & NQ

not be less

Trail Option:

12,12,11,10,9,8,6,4,

than 2%

(0-74) 5%

3,2,0

0-80

(75-85) 2.5%

Century 7: 7%

10.60% 1st yr.

Century 7

$5k Q & NQ

Century 5

3.60% base

10 Year

(0-74) 6%

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

(75-80 3.5%

6,4,2,0

Trail Option:

(0-74) 4%

(75-80) 2%

Century 7

(0-74) 5%

(75-80) 3.00%

Trail Option:

(0-74) 3%

(75-80) 1%

All trails are .40%

Century

No Bonus

3.60% 1st yr.

7 Year

0-90

Interest Rate

Greater of

Interest only

Confinement

AL, CT,

(0-74) 6%

Annuity

3.60% base

9,8,7,6,5,4,2,0

declared at

Annuity Value

avail. At

Waiver,

IL, MA,

(75-90) 3.5%

(FPDA)

$5k NQ

time of issue

or Surrender

issue

Disability

MN, NJ, NY,

$250 Q

will be rate

Value

Waiver,

OR, PA,

Trail Option:

for lifetime

10% after

UT, WA

(0-74) 4% with

of contract.

year 1

.40% trail

This rate will

(75-90) 1.5% with

not exceed

.40% trail

3% and will

not be less

than 2%

Palladium

no additional

For quotes, please

Full surrender:

0-90

n/a

available on

partial

NY

5-9 yrs: 1.5%

Immediate

interest

call FIG or

allowed after 3 yrs.

Period

after 3 years

Annuity

888-501-4043,

Surrender amt. will

$15K NQ

Certain

up to 10%

All other payouts:

option 1

be commuted value

$3,500 Q

options

Min. of

(0-84) 3%

reduced by

$2,000

(85-90) 1.5%

commutation charges

Palladium

4 year: 0%

4 year

10 years

0-85

varies

Greater of

Interest only

contritutions

NY, UT

Yr 4

MYG

1st year: 4.45%

8,8,8,7,6,5,4,3,2,1

(annuitant &

by state

Surrender

in year 1

over $100K

(0-79) 2%

Annuity

5 year: 1%

Base: 4.45%

owner)

value or

receive

(80-85) 1%

SPDA

Effective: 4.45%

$5K

annuity

After year 2,

additional

Yr 5

6 year: 0%

5 year

value

10% per yr.

10 basis points

(0-79) 4%

1st yr: 5.25%

for life of

(80-85) 2%

7 year: 1%

Base: 4.25%

contract

Yrs. 6, 7, 8

Effective: 4.45%

(0-79) 2.5%

8 year: 0%

6 year

Rates are 10

(80-85) 0.5%

1st yr, base,

basis points

Yr 9

9 year: 2%

Effective: 4.80%

lower in FL, NC

(0-79) 3%

7 year

TX, VT, VA, WA

(80-85) 1%

10 year: 1%

1st year: 5.50%

and WI

Yr 10

Base: 4.50%

(0-79) 4%

Effective: 4.64%

Lower Rates in

(8-85) 2%

8 year

OR for different

1st yr, base, and

durations. 25

effective: 4.80%

basis points

9 year

lower in PA

1st yr: 6.25%

Base: 4.25%

Effective: 4.47%

10 year

1st year: 5.45%

Base: 4.45%

Effective: 4.55%

Palladium

1%

4.90%

7 years

0-90

varies by

Greater of

10%

Trail comps.

NJ, NY, UT

(0-79) 3%

Advisor

1st year rate

7,7,7,6,5,4,2%

state

Surrender

beginning

(80-90) 1%

SPDA w/ NQ

$5k Q & NQ

value or

year 1

Trailer

FPDA w/ Q

3.90%

annuity

years 2-7 = .40%

Base Rate

value

years 8- = .80%

Citadel

WQCD 5: 1%

WQCD 5

W&C 5

0-85

varies

Full AV

10%

10% free

NY

WQCD 5

5 and 7

1st yr: 4.80%

5 years

by state

beginning of

withdrawals

(0-80) 4%

Diamond

WQCD 7: 2%

base: 3.80%

7,7,6,5,0

$5K