Financial Independence Group, Inc.  
 
             
Fixed Annuities                      
For information call (800) 527-1155                    
Guarantee Period Company AM Best Product Name 1st Year Rate Rate Thereafter Annual Eff. Rate Commission                       (could vary at older ages)          
0 Years Beneficial Life A Cash Accumulator III 3.50% 3.50% 3.50% 0.25%          
1 Year Beneficial Life A Advantage 1 5.02% 5.02% 5.02% 1.005%          
3 Years EquiTrust Life A Certainty/Certainty Select 4.35% 4.35% 4.35% 2.00%          
3 Years NACOLAH A North American Guarantee 4.85% 3.85% 4.18% 2.00%          
3 Years Physicians Life 2k+ A Vista Custom Direct 4.55% 3.55% 3.88% 1.50%          
3 Years Physicians Life 100k+ A Vista Custom Direct 5.55% 3.55% 4.21% 1.50%          
4 Years American National < 100k A+ Palladium MYG Annuity 4.45% 4.45% 4.45% 2.00%          
4 Years American National 100k + A+ Palladium MYG Annuity 4.55% 4.55% 4.55% 2.00%          
4 Years Integrity Life A+ Momentum Advantage 4.85% 4.10% 4.28% 2.00%          
4Years NACOLAH A North American Guarantee 4.45% 4.45% 4.45% 2.00%          
4 Years Physicians Life 2k+ A Vista Custom Direct 4.65% 3.65% 3.90% 2.00%          
4 Years Physicians Life 100k+ A Vista Custom Direct 5.65% 3.65% 4.15% 2.00%          
4 Years Presidential Life B+ Secure 4 4.35% 4.35% 4.35% 2.00%          
5 Years AIG American General A++ AG Horizon Choice 4.25% 4.25% 4.25% 2.40%          
5 Years Allianz Life A+ Dominator 3.25% 3.25% 3.25% 3.50%          
5 Years American National <100k A+ Palladium MYG Annuity 5.25% 4.25% 4.45% 4.00%          
5 Years American National 100k + A+ Palladium MYG Annuity 5.35% 4.35% 4.55% 4.00%          
5 Years Beneficial Life A Guaranteed Step-Up 3.95% see comment 4.90% 2.00%          
5 Years Beneficial Life A Guranteed Choice 5 5.00% 4.00% 4.20% 4.50%          
5 Years EquiTrust Life A Certainty/Certainty Select 4.70% 4.70% 4.70% 3.00%          
5 Years Fidelity & Guarantee A Fidelity Platinum 4.15% 4.15% 4.15% 2.50%          
5 Years Fidelity & Guarantee A Platinum Plus 5.15% 4.15% 4.35% 3.00%          
5 Years Great American A American Freedom Stars & Stripes 4.00% see comment 4.20% 3.00%          
5 Years ING USA A+ Multiset Plus Guarantee 4.35% 4.35% 4.35% 2.00%          
5 Years Integrity Life A+ Momentum Advantage 5.15% 4.40% 4.55% 2.50%          
5 Years Jefferson Pilot Life <100k A++ JPF Classic 5 4.80% 3.80% 4.00% 4.00%          
5 Years Jefferson Pilot Life >100k A++ JPF Classic 5 5.80% 3.80% 4.20% 4.00%          
5 Years Lincoln Benefit <100k A+ Tactician Plus 4.60% 3.60% 3.80% 4.00%          
5 Years Lincoln Benefit 100k+ A+ Tactician Plus 5.60% 3.60% 4.00% 4.00%          
5 Years NACOLAH A North American Guarantee 6.10% 4.10% 4.49% 2.00%          
5 Years Physicians Life <100k A Vista Custom Direct 4.85% 3.85% 4.05% 3.50%          
5 Years Physicians Life 100k+ A Vista Custom Direct 5.85% 3.85% 4.25% 3.50%          
5 Years Presidential Life B+ Secure 5 4.60% 4.60% 4.60% 2.50%          
5 Years Sun Life Financial <50k A++ Keyport Value 6.85% 3.85% 4.45% 3.65%          
5 Years Sun Life Financial >50k A++ Keyport Value 7.00% 4.00% 4.60% 3.65%          
6 Years AIG American General A++ AG Horizon VM 4.40% 4.40% 4.40% 0.85%          
6 Years Allianz Life A Dominator 3.30% 3.30% 3.30% 3.50%          
6 Years American National <100k A+ Palladium MYG Annuity 4.80% 4.80% 4.80% 2.50%          
6 Years American National 100k+ A+ Palladium MYG Annuity 4.90% 4.90% 4.90% 2.50%          
6 Years Beneficial Life A Guaranteed Advantage 5.90% 4.90% 5.07% 2.00%          
6 Years Chase Ins. 2k-$4,999 A Classic II 4.10% 4.10% 4.10% 3.00%          
6 Years Chase Ins. 5k-$24,999 A Classic II 4.25% 4.25% 4.25% 3.00%          
6 Years Chase Ins. 25k - $99,999 A Classic II 4.40% 4.40% 4.40% 3.00%          
6 Years Chase Ins. 100k+ A Classic II 4.55% 4.55% 4.55% 3.00%          
6 Years EquiTrust Life A Certainty/Certainty Select 9.00% 4.00% 4.83% 3.00%          
6 Years ING USA A+ Multiset Plus Guarantee 4.50% 4.50% 4.50% 2.00%          
6 Years Life Insurance Company of the Southwest A SPDA 3 4.00% 3.00% 3.17% call for commissions          
6 Years Lincoln Benefit <100k A+ Tactician Plus 4.30% 4.30% 4.30% 2.00%          
6 Years Lincoln Benefit 100k+ A+ Tactician Plus 5.30% 4.30% 4.47% 2.00%          
6 Years NACOLAH A North American Guarantee 4.55% 4.55% 4.55% 2.00%          
6 Years Physicians Life 2k+ A Vista Custom Direct 5.70% 3.70% 4.03% 4.50%          
6 Years Presidential Life B+ Secure 6 4.70% 4.70% 4.70% 3.00%          
6 Years Sun Life Financial <50k A++ Keyport Value 6.90% 3.90% 4.40% 4.15%          
6 Years Sun Life Financial >50k A++ Keyport Value 7.05% 4.05% 4.55% 4.15%          
7 Years AIG American General A++ AG Horizon Choice 4.10% 4.10% 4.10% 4.50%          
7 Years Allianz Life A+ Dominator 3.40% 3.40% 3.40% 4.00%          
7 Years American National <100k A+ Palladium MYG Annuity 5.50% 4.50% 4.64% 2.50%          
7 Years American National 100k+ A+ Palladium MYG Annuity 5.60% 4.60% 4.74% 2.50%          
7 Years Beneficial Life A Guaranteed Choice 7 4.80% 3.80% 3.94% 4.50%          
7 Years Fidelity & Guarantee A Fidelity Platinum 4.40% 4.40% 4.40% 3.00%          
7 Years Fidelity & Guarantee A Legends Classic 6.30% 4.30% 4.59% 5.00%          
7 Years Fidelity & Guarantee A Platinum Plus 5.30% 4.30% 4.44% 5.00%          
7 Years Great American A American Freedom Stars & Stripes 3.90% see comment 4.50% 2.50%          
7 Years ING USA A+ Multiset Plus Guarantee 5.35% 4.35% 4.49% 2.50%          
7 Years Integrity Life A+ Momentum Advantage 5.40% 4.65% 4.75% 3.00%          
7 Years Jefferson Pilot Life <100k A++ JPF Classic 7 5.80% 3.80% 4.08% 5.00%          
7 Years Jefferson Pilot Life >100k A++ JPF Classic 7 6.80% 3.80% 4.22% 5.00%          
7 Years Life Insurance Company of the Southwest A RetireOne 4.85% 3.85% 3.99% call for commissions          
7 Years Lincoln Benefit <100k A+ Tactician Plus 4.80% 3.80% 3.94% 4.00%          
7 Years Lincoln Benefit 100k+ A+ Tactician Plus 5.80% 3.80% 4.09% 4.00%          
7 Years NACOLAH A Escalating Rate 4.35% see comment 4.64% 2.00%          
7 Years Physicians Life <100k A Vista Custom Direct 4.15% 4.15% 4.15% 4.00%          
7 Years Physicians Life 100k+ A Vista Custom Direct 5.15% 4.15% 4.29% 4.00%          
7 Years Sun Life Financial <50k A++ Keyport Value 6.95% 3.95% 4.39% 4.65%          
7 Years Sun Life Financial >50k A++ Keyport Value 7.10% 4.10% 4.53% 4.65%          
8 Years AIG American General A++ AG Horizon Choice 4.35% 4.35% 4.35% 3.50%          
8 Years Allianz Life A+ Dominator 3.50% 3.50% 3.50% 4.00%          
8 Years American National <100k A+ Palladium MYG Annuity 4.80% 4.80% 4.80% 2.50%          
8 Years American National 100k+ A+ Palladium MYG Annuity 4.90% 4.90% 4.90% 2.50%          
8 Years EquiTrust Life A Certainty/Certainty Select 8.50% 4.50% 5.00% 3.00%          
8 Years ING USA A+ Multiset Plus Guarantee 6.00% 4.20% 4.43% 2.50%          
8 Years Jefferson Pilot Life <100k A++ JPF Classic Flex 8 5.80% 4.80% 4.05% 5.00%          
8 Years Jefferson Pilot Life >100k A++ JPF Classic Flex 8 6.80% 3.80% 4.18% 5.00%          
8 Years Life Insurance Company of the Southwest A RetireMax FPDA 1 4.85% 3.85% 3.98% call for commissions          
8 Years Lincoln Benefit <100k A+r Tactician Plus 5.30% 3.80% 3.99% 4.00%          
8 Years Lincoln Benefit 100k+ A+r Tactician Plus 6.30% 3.80% 4.11% 4.00%          
8 Years NACOLAH A North American Guarantee 8.10% 4.10% 4.59% 2.00%          
8 Years Physicians Life 2k+ A Vista Custon Direct 6.30% 4.30% 4.55% 2.00%          
9 Years AIG American General A++ AG Horizon Choice 4.65% 4.65% 4.65% 2.65%          
9 Years AIG American General A++ AG Horizon Plus 2004 9.50% 3.50% 4.17% 6.00%          
9 Years Allianz Life A+ Dominator 3.60% 3.60% 3.60% 4.00%          
9 Years American National <100k A+ Palladium MYG Annuity 6.25% 4.25% 4.47% 3.00%          
9 Years American National 100k+ A+ Palladium MYG Annuity 6.35% 4.35% 4.57% 3.00%          
9 Years Chase Ins. 10k-$24,999 A Elite MVA 7.25% 3.25% 3.69% 7.00%          
9 Years Chase Ins. 25k-$99,999 A Elite MVA 7.45% 3.45% 3.89% 7.00%          
9 Years Chase Ins. 100k+ A Elite MVA 7.65% 3.65% 4.09% 7.00%          
9 Years Fidelity & Guarantee A Legends Max 5.30% 4.30% 4.41% 6.00%          
9 Years ING USA A+ Multiset Plus Guarantee 5.40% 4.20% 4.33% 4.00%          
9 Years Life Insurance Company of the Southwest A RetireMax Provider 4.50% 3.50% 3.61% call for commissions          
9 Years Lincoln Benefit <100k A+ Tactician Plus 8.00% 4.00% 4.44% 2.00%          
9 Years Lincoln Benefit 100k+ A+ Tactician Plus 9.00% 4.00% 4.56% 2.00%          
9 Years Physicians Life 2k+ A Vista Custom Direct 4.35% 4.35% 4.35% 4.00%          
10 Years AIG American General A++ AG Horizon Choice 4.30% 4.30% 4.30% 5.00%          
10 Years AIG American General A++ Horizon MYG Annuity 7.50% 3.50% 3.90% 7.50%          
10 Years Allianz Life A+ Dominator 3.70% 3.70% 3.70% 4.50%          
10 Years American Equity B++ Guarantee Plus 1 4.00% 3.00% 3.10% 5.50%          
10 Years American Equity B++ Guarantee Plus 2 5.00% 3.00% 3.20% 1.50%          
10 Years American National <100k A+ Palladium MYG Annuity 5.45% 4.45% 4.55% 4.00%          
10 Years American National 100k+ A+ Palladium MYG Annuity 5.55% 4.55% 4.65% 4.00%          
10 Years Americo Financial A- Platinum 2005 4.50% 3.25% 3.35% 8.50%          
10 Years Americo Financial A- Senior Legacy 4.50% 3.25% 3.35% 7.50%          
10 Years Americo Financial A- Ultra Provider1 5.00% 3.25% 3.43% 8.50%          
10 Years Beneficial Life A Advantage 11 3.85% 3.85% 3.85% 5.90%          
10 Years Beneficial Life A Advantage 11 Plus 6.40% 3.40% 3.70% 5.90%          
10 Years EquiTrust Life A Certainty/Certainty Select 5.00% 5.00% 5.00% 3.00%          
10 Years Fidelity & Guarantee A Fidelity Platinum 4.65% 4.65% 4.65% 3.50%          
10 Years Fidelity & Guarantee A Platinum Plus 5.65% 4.65% 4.75% 3.50%          
10 Years Great American A American Freedom Classic 10 8.00% 3.00% 3.50% 6.25%          
10 Years ING USA A+ Multiset Plus Guarantee 5.10% 4.10% 4.20% 5.00%          
10 Years Integrity Life A+ Momentum Advantage 5.55% 4.80% 4.87% 3.50%          
10 Years Integrity Life A+ New Momentum 5.00% 4.35% 4.42% 5.00%          
10 Years Jefferson Pilot Life <100k A++ JPF Classic 10 6.85% 3.85% 4.27% 6.00%          
10 Years Jefferson Pilot Life >100k A++ JPF Classic 10 7.85% 3.85% 4.41% 6.00%          
10 Years Life Insurance Company of the Southwest A RetireMax FPDA 2 4.95% 3.95% 4.05% call for commissions          
10 Years Life Insurance Company of the Southwest A RetireMax Millennium Plus 8.50% 3.50% 4.00% call for commissions          
10 Years Life Insurance Company of the Southwest A RetireTwo 4.95% 3.95% 4.05% call for commissions          
10 Years Life Insurance Company of the Southwest A SPDA 5 5.00% 3.00% 3.20% call for commissions          
10 Years Life Insurance Company of the Southwest A SPDA10 5.00% 3.00% 3.20% call for commissions          
10 Years Lincoln Benefit <100k A+ Tactician Plus 5.10% 4.10% 4.20% 4.00%          
10 Years Lincoln Benefit 100k+ A+ Tactician Plus 6.10% 4.10% 4.30% 4.00%          
10 Years NACOLAH A North American Builder 4.20% see comment 4.78% 4.00%          
10 Years NACOLAH A North American Boomer 9.25% 4.05% 4.57% 7.00%          
10 Years Physicians Life 2k+ A Vista Custom Direct 5.85% 4.35% 4.50% 4.00%