Guaranteed Rate Annuities MORE ANNUITY PRODUCTS ARE AVAILABLE

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1 uaranteed ate nnuities MO Y POC VLBL ates and commissions are subject to change without notice. Product availability and benefits may differ from state to state. Please contact obyn with Marketing Group at ext. 228, for current rates and more product information. -Money Laundering est Must Be Completed oon s Possible!

2 G un Life ssurance of Canada (..).M. Best (++) uperior &P (+) Very trong G nnuity and Life nsurance.m. Best (+) uperior &P () Very trong Fort earborn Life nsurance.m. Best (+) Fort earborn does business as Wealth olutions in L, X, M. POC Keyport Value tepped-p Bonus Option (FP) ffective Yields $50,000 or More 5 Year 4.20% 6 Year 4.20% 7 Year 4.10% Guarantee Choice (P) / L 5 Yr. $50,000 or Less Base 3.40 % Yr %,Yr % Yr %, Yr % 6 Yr. $50,000 or Less Base 3.45 % Yr %, Yr %, Yr %, Yr %, Yr % 7 Yr. $50,000 or Less Base 3.50 % Yr %, Yr %, Yr %, Yr % Yr %, Yr % More than $50, % More (5 Yr) 3.65% all 5 yrs ( $75K) 4.65% 1 st Yr, 3.65% 2-5 (7 Yr.) 3.75% all 7 yrs ( $75K) 4.75% 1 st Yr, 3.75% 2-7 (10 Yr.) 4.00% all 10 yrs ( $75K) 5.00% 1 st Yr, 4.00% 2-10 F WHW L p to 10 % of your annuity s value as calculated at the time of the first withdrawal in a contract year, less prior partial withdrawals in the same contract year. nterest after 30 days. Prior 12 months interest max. 10 % of accumulation value can be withdrawn after 1 st year. MMM PMM $5,000 Q $4,000 Q $100ubsequent. f premium is split between terms, a minimum of 10 % of premium must be allocated to each term. $15,000 Q/Q O PPOV CHG/ O,V (5 Yr) 7,6,5,4,3 % (6 Yr) 7,6,5,4,3,2 % (7 Yr) 7,6,5,4,3,2,1 % +/- MV B, C M, Y, O, P Multiet Plus still available for sale in O, P ates are different (9 Years) 9,8,7,6,5,4,3,2,1% C & OP +/- MV iders may vary by state 30 day window available following the end of the guarantee period. he surrender charges will continue for the remaining 9 year period if missed. G Q (5 Yr. Plan Only) Q (For 6 and 7 yr. plans and Qual. Plans) 0-80 Q/Q COMMO 5 Yr. 4.00% % Yr. 4.50% % Yr. 5.00% % Yr % 7 Yr % 10 Yr % ges 0-80 s/qualified plans are already tax deferred. Guarantees based on claims paying ability of insurer. Withdrawals before age 59 ½ may result in 10 % federal penalty tax. ursing Home ider is as follows: fter first contract anniversary, is hospitalized or confined to an eligible nursing home for at least 45 days during any continuous 60 day period. he client will have access to the full account value. Wealth Fortifier eries (P) dditional 6 yr. ates based on premium amounts. Call for details. (4 Yr) +$100, % yr % 2-4 -$100, % 1-4 (5 Yr)+ $25, % yr % $25, % 1-5 (6 Yr) $100, % yr % 2-6 (7Yr) 7.10% yr % 2-77 (9 Yr) 6.10% yr % 2-9 *on-mv rates are.25 basis points lower than MV rates 10% of ccount Value after first year O monthly interest ($100 minimum) available 1 st & every year. $5,000 Q $10,000 Q 7 year minimum premium amount is $25,000 Q/Q M, Y, O Original H still available in H, M, M, J, P only allowing 20% additional benefit (9 Years) 8,8,7,6,5,4,3,2,1% 30 ay window at the end of specified term. H-HC 100% of the ccount Value,, B, MV does apply is available without an MV. Q/Q 4 Yr. 2.00% % Yr. 3.50% % Yr. 2.75% % Yr. 3.25% % Yr. 5.00% % * Minimum interest guarantee is 3.00%, may be higher in some states. nnuitization is available at the end of the 5 th year. iders/waivers or features are not available in all states. he nursing home rider is as follows: fter the policy has been in force for one year, the client must be confined for 60 days. Full accumulation value, surrender charge free. here are no age restrictions applied. Contracts are now owner driven.

3 merican General.M. Best (++) &P () POC G Horizon Choice (P) 8-Year 9-Year / L 4.15% ll 5 Years 4.00% ll 7 Years 4.25% ll 8 Years 4.55% ll 9 Years 4.20% ll 10 Years F WHWL One free withdrawal allowed annually after the first contract year and is equal to 10% of the previous anniversary annuity value. MMM PMM $2,000 Q $5,000 Q O PPOV M,M, Y, P, W CHG/ (7 Years) 7,6,5,4,3,2,1% Withdrawal Window 30 ays, xtended Care ider, MV G Q/Q COMMO 5 Year 2.40% 7 Year 4.50% 8 Year 3.50% 9 Year 2.65% 10 Year 5.00% educed Commissions in & M Minimum remaining annuity value is $2,000, Free systematic withdrawal of interest is allowed after 30 days. he 10% free withdrawal provision is offset by any systematic withdrawal taken since the last anniversary. Minimum systematic withdrawal is $50. o withdrawal charges will be levied during the 30-day window if the MV term is 3 years or longer. G Horizon elect (P) 4.20% ll 5 Years 4.35%ll 7 Years 4.45% ll 10 Years p to 10% of the annuity value as of the previous contract anniversary (or of premium in contract year 1). $5,000 Q/Q K,M, J, Y, O, P,, W (10 Years) 10,9,8,7,6,5,4,3,2,1% % B, nnuitization Feature, xtended Care ider, MV 30 day window at the end of the term* Q/Q 4.00 % ges % ges new guaranteed interest rate will be declared for the renewal period. he 10- Year plan lasts 10 Years. n 11 Plus years for all plans, interest rates are declared annually. * 5 Year guarantee period has a 30 day window. f this window is missed the contract will renew for another 5 years at the declared rate at that time, 7 Year guarantee period has a 30 day window. f this window is missed the policy will renew for 3 more years at the declared rate at that time. he minimum guarantee rate on this policy is 2.00%. Guaranteed urrender Value is 90% 3.00% less withdrawals taken. G Horizon ecure (P) 3.90% ll 5 Years 4.05% ll 7 years p to 10% of the annuity value as of the previous contract anniversary (or of premium in contract year 1). $5,000 Q/Q K,J, Y,W (10 Years) 10,9,8,7,6,5,4,3,2,1 B, nnuitization Feature, xtended Care ider 30 day window at the end of the term* Q/Q 4.00 % ges % ges Guaranteed interest-a 2% guaranteed credited interest rate on annuity value. Minimum guaranteed withdrawal amount is equal to 90% of the premium, less any prior withdrawals, plus 3% interest per year (or higher designated by the state). new guaranteed interest rate will be declared for the renewal period. he 10- Year plan lasts 10 Years. n 11 Plus years for all plans, interest rates are declared annually. * 5 Year guarantee period has a 30 day window. f this window is missed the contract will renew for another 5 years at the declared rate at that time, 7 Year guarantee period has a 30 day window. f this window is missed the policy will renew for 3 more years at the declared rate at that time. he minimum guarantee rate on this policy is 2.00%.

4 quirust Life nsurance.m. Best () &P () orth merican For Life & Health nsurance.m. Best (+) xcellent &P ()Very trong F-P-B2244 POC CY elect (P) 3-Year 6-Year 8-Year orth merican Guarantee (P) 3 Year 4 Year 6-Year 8-Year / L 3.80 % 4.00 % 7.60 % Year % Years % Year % Years % Fixed account minimum is: 2.15% Certainty and 1.50% on the Certainty elect 4.65% Yr. 1, 3.65% % Year % Yr % Yr. ff. Yield 4.29 % 4.35 % Year % Yr. 1, 3.95% Yr. ff. Yield 4.44 % F WHWL Certainty elect: Cumulative interest earned may be withdrawn at any time without surrender charge or MV. ingle withdrawals can be requested at any time, but must be at least $250 per request. fter 30 days, you may withdraw an amount equal to the current year s interest earned without any surrender charges or interest adjustment by current company practice. MMM PMM $10,000 Q/Q Minimum Policy Guarantee for Certainty- 2.15% 100% Certainty elect- 3.00% O PPOV *Certainty still available in states that are listed. tates not listed have been converted to the Certainty elect: C,, M *ot available for either product: Y,O,, V, W $5,000 Q $2,000 Q L, M, Y, O,, V, W n C,, KY, L, M, M, OK, O, C, X,, V, V, W commissions are 0.25 % less and re-entry commissions are % less. orth merican Builder (P) 4.63 % over 10 Yrs. 1 st Year 4.05 % 2 nd Year 4.20 % 3 rd Year 4.35 % 4 th Year 4.50 % 5 th Year 4.65 % 6 th Year 4.80 % Yrs % fter 30 days, you may withdraw an amount equal to the current year s interest earned without any surrender charges or interest adjustment by current company practice. $10,000 Q $2,000 Q L, M, Y, O,, V, W CHG/ (3 Yr) 10, 10, 9 % (5 Yr) 10,10,9,9,8 % (6 Yr) 10,10,9,9,8,8 % (8 Yr) 10,10,9,9,8,8,7,7 % (10 Yr) 10,10,9,9,8,8,7,7,6,5 % +/- MV C, B-Full accumulation at death, LC -this allows for the original certainty to be sold. his has more liquidity of 10% of the account value allowed after the first year and a B of a 5 year payout. 30 day window in the guarantee period (3 Yr) 8,8,8% (4 Yr) 8,8,8,8% (5 Yr) 8,8,8,8,8 % (6 Yr) 8,8,8,8,8,8 % (8 Yr) 8,8,8,8,8,8,6,4 % +/- MV C 30 day withdrawal window in the guaranteed period. C not available in, M (9 Yr) 8, 8, 8, 8, 8, 8, 6, 4, 2% % +/- MV C & B C not available in, M G Q/Q Q/Q Q/Q COMMO ges % 3 Yr % 5,6,8,10 Yr. ges % 3 Yr. 2.25% 5,6,8,10 Yr % ges % ges % ges % ges % ges % ges merican ational nsurance.m. Best (+) &P () 4.90% for 6 Y Over $100,000 n C,, KY, L, M, M, OK, O, C, X,, V, V, W commissions are 0.25 % less and re-entry commissions are % less. Palladium MYG (P) 3 Yr. 4.20% all 3 years 4 Yr. 4.35% all 4 years 5 Yr. 5.25% Yr % Yr. 4.80% all 6 years 7 Yr. 5.40% Yr % Yr. 4.70% all 8 years 9 Yr. 6.15% Yr % Yr. 5.35% Yr % 2-10 tarting in the 2 nd year up to 10% of the annuity value as of the beginning of the policy year. n the 1 st policy year, all interest earned may be withdrawn. $5,000 Q/Q Y, O pproved 5 Yr., 6 Yr. & 7Yr. Only 10 Year urrender chedule (4 Yr) 8,8,8,7% (5 Yr) % (6 Yr) 8,8,8,7,6,5% (7 Yr) 8,8,8,7,6,5,4% (8 Yr) 8,8,8,7,6,5,4,3% (9 Yr) 8,8,8,7,6,5,4,3,2% (10 Yr) 8,8,8,7,6, 5,4,3,2,1,0 % isability/confinement Waiver, B +/- MV 30 day window at the end of the guarantee period. MV does not apply in O, V, V, W Q/Q 3 Yr. 1.50% 4 Yr % 5 Yr % 6,7,8 Yr % 9 Yr % 10 Yr % ges 80+ educed nitial contributions over $100,000 receive an additional 10 basis points for the life of the contract. ate subject to change for new issues at any time. Lower rates apply in some states. ates for the Palladium MYG annuity are 10 basis points lower for the following states: FL, C, X, V, V, W and W. Lower rates in O for different durations. 25 basis points lower in P for all durations.

5 llianz Life nsurance of orth merica.m. Best () &P (-) Fidelity and Guaranty Life nsurance Baltimore, M.M. Best (+) POC ominator (P) (o annuitization required) Platinum eries FGL P MY-F-5 (C)(2001) FGL P MY-F-7 (C)(2001) FGL P MY-F-10 (C)(2001) / L 10 Year 3.75 % 9 Year 3.65 % 8 Year 3.55 % 7 Year 3.45 % 6 Year 3.35 % 5 Year 3.25 % ates are different in OK, C, and C 4.00 % Yrs % Yrs % Yrs F WHWL 2 nd year up to 15 % of premiums paid or eq. Minimum distribution available monthly or annually. nterest only available immediately. 30-day window at end of guarantee period. MMM PMM $20,000 Q/Q $5,000 Q $2,000 Q O PPOV J, O, P Y - llianz of ew York Y, O,, V, W CHG/ (10 Yr) 10,9,8,7,6,5,4,3,2,1 +/- MV C & B (Client has 30 day window following at end of guarantee period to move their money w/out any penalties, otherwise client will renew into same contract) (5 Yr) 9,8,7,6,5 % (7 Yr) 9,8,7,6,5,4,3 % (10 Yr) 9,8,7,6,5,4,3,2,1,1 % +/- MV for all terms C,, B, W (urrender charges and guarantee periods repeat forever with the exception of the first 30 days in each renewal period) C, C, OK - 10 Yr urrender all plans G Q Q C, C, OK ges COMMO 10 Yr % 9 Yr % 8 Yr % 7 Yr % 6 Yr % 5 Yr % ges Yr % 7 Yr % 10 Yr % ges 80+ educed 50 % Fidelity and Guaranty Life is a member of the Old Mutual Financial etwork (OMF). OMF is a part of the Old Mutual group of companies. Working throughout its network of established insurance companies, OMF is committed to delivering innovative and balanced financial solutions. ates for C, C, OK for the 5 Year are 4.00% Please call for minimum guarantees for your particular state. Platinum PL eries (P) 5.15 % 1 st year 3.90 % Years 2-5 effective yield 4.35% 5.20 % 1 st Year 4.05 % Years 2-7 effective yield 4.44% 5.60 % 1 st Year 4.45 % Years 2-10 effective yield 4.75% nterest only available immediately. 30-day window at end of guarantee period. $5,000 Q $2,000 Q Y, O,, V, W (5 Yr) 9,8,7,6,5 % (7 Yr) 9,8,7,6,5,4,3 % (10 Yr) 9,8,7,6,5,4,3,2,1,1 % +/- MV for all terms (urrender charges and guarantee periods repeat forever with the exception of the first 30 days in each renewal period) (urrender charge applies at death if taken as a lump sum accumulation value if taken over 5 years) C, C, OK - 10 Yr urrender all plans Q Q C, C, OK ges ges Yr % 7 Yr % 10 Yr % Fidelity and Guaranty Life is a member of the Old Mutual Financial etwork (OMF). OMF is a part of the Old Mutual group of companies. Working throughout its network of established insurance companies, OMF is committed to delivering innovative and balanced financial solutions. Please call for minimum guarantees for your particular state. ges 80+ educed 50 %

6 Lincoln Benefit Life.M. Best (+) &P () POC actician Plus (FP) urehorizon Choice (P) Guarantee ate Periods Over $100K nder 1-Year 7.00% 6.00% 3-Year 6.90% 5.90% 6-Year 6.80% 5.80% 9-Year 6.65% 5.65% First Year ates include 1 st year bonus without the OP ider elected / L nder $100,000 5 Year 4.65% 1 st Yr. 3.65% Year 4.25% all 6 Yrs. 7 Year 4.85% 1 st Yr. 3.85% Year 5.35% 1 st Yr. 3.85% Year 8.00% 1 st Yr. 4.00% Year 5.20% 1 st Yr. 4.20% 2-10 Over $100,000, add an additional 1% bonus in the 1 st Yr. Minimum ate Guarantee 2.0% in Years % thereafter. Minimum ate Guarantee- 3.00% Base ates Potential Bonus 4.50% nder $100, % Bonuses will be as 4.30% follows: 4.15% 1% with OP ider 1.5% without OP ider Over $100,000 Bonuses will be as Follows: 2% with OP ider 2.5% without OP ider F WHWL 10% Free Withdrawal of account value per contract year or within 30 days after the end of the guarantee period. 15% Free withdrawal of the contract value per Contract Year without withdrawal charges. *vailable 30 days after issue. MMM PMM $3,000 Q $10,000 Q dditional Minimum eposits $1,000 $10,000 Q/Q O PPOV Y O, M, Y CHG/ (5-10 Yr) 8,8,8,7,6,5,4,3,2,1% B,, H, (state approval) Withdrawal window 30 days, MV ach additional deposit has its own surrender schedule (9 Yr) 8,8,7,6,5,4,3,2,1% B, H,, eturn of Premium Option G Q/Q Owner/ nnuitant COMMO ges 0-75, 76-85, Yr. 4.00%, 3.00%, 2.00% 6 Yr. 2.00%, 1.50%, 1.00% 7 Yr. 4.00%, 3.00%, 2.00% 8 Yr. 4.00%, 3.00%, 2.00% 9 Yr. 2.00%, 1.50%, 1.00% 10 Yr. 4.00%, 3.00%, 2.00% 3.00% ges % ges % ges CLL FO L! Minimum ate Guarantee period and rates are subject to change. Please call for current rates. survivor withdrawal is included. pon death of the owner, a surviving spouse may choose to continue the contract. Within the next year, a free withdrawal (up to full contract value) many be made. urehorizon (FP) Minimum ate Guarantee- 3.00% $10,000 Q Guarantee ate Periods Over $100K nder 1-Year 6.20% 5.20% 3-Year 6.05% 5.05% 6.05% 5.05% 6-Year 6.05% 5.05% First Year ates include 1 st year bonus without the OP ider elected Base ates Potential Bonus 3.70% nder $100, % Bonuses will be as 3.55% follows: 3.55% 1% with OP ider 1.5% without OP ider Over $100,000 Bonuses will be as Follows: 2% with OP ider 2.5% without OP ider 15% Free withdrawal of the contract value per Contract Year without withdrawal charges. *vailable 30 days after issue. $3,000 Q $100 Q F only f total contract value is less than $3,000, a $30 contract charge will be assessed annually. O, M, Y (6 Yr) 8,8,7,6,5,4% B, H,, eturn of Premium Option Owner/ nnuitant 4.75% ges % ges % ges CLL FO L!

7 POC Lincoln Benefit Life.M. Best (+) &P () llstate reasury- Linked nnuity (FP) / L Minimum ate Guarantee-2.00% Premium ate nder $20, % $20,000-$50, % $50,000-$99, % $100, % ates are valid Monday-Friday. 2% minimum contracts with eturn Of Principal (OP) will be credited.30% less than rates shown above. nterest rate is set at the time of purchase and guaranteed for 5 years. ach payment creates its own subaccount with its own 5- year guarantee period and surrender charge schedule. Base rate and CM rate will be determined on date of deposit. Credited rate may increase annually based on the performance of the reasury Constant Maturity 5 year yield. F WHWL 10% of the accumulated value of each subaccount as of the start of each contract year. * vailable 30 days after issue MMM PMM $3,000 Q $5,000 Q dditional payments of at least $100 O PPOV C, M, O, W CHG/ 10 Year urrender Charge chedule 9,8,8,7,6,5,4,3,2,1% fter 5 years, each subaccount automatically renews to a new 5 year guarantee period; or you have a 45 day window following the end of the first 5 year guarantee period to withdrawal money from that subaccount and avoid withdrawal charges. G Q/Q COMMO 3.00% ge % ge % ge * portion of each payment will be considered taxable and the remaining portion will be a nontaxable return of your investment in the contract, which is also called the basis. Once the investment in the contract is depleted, all remaining payments will be fully taxable. f contract is tax qualified, generally all payments will be fully taxable. Payments taken prior to 59 ½ may be subject to an additional 10% federal tax penalty. mergency Withdrawals: Withdrawal charges may be waived if the owner is diagnosed with a terminal illness, is confined to a hospital or long-term care facility for 90 days or more consecutive days, or becomes employed. Loans/Fees: here are no front-end loads or fees. With each payment, a new subaccount is created and is subject to its own surrender charge schedule. eath Benefit: he value of your annuity will be paid to your beneficiary if you should die. eath benefit proceeds are generally not included in the probate process. ates and commissions are subject to change without notice. Product availability and benefits may differ from state to state. Please contact obyn with Marketing Group at ext. 228, for current rates and more product information

8 March 19, 2007 Protective Life.M. Best (+) &P () POC Futureaver nnuity (FP)** Premium Bonus on mounts over $100, Yr.50% 5-10 Yr 1.00% / L Minimum ate Guarantee-3.00% nder $100K 2 Yr 3.90% all years 3 Yr 3.90% all years 4 Yr 4.00% all years 5 Yr 3.90% all years 6 Yr 4.10% all years 7 Yr 4.30% all years 8 Yr 4.40% all years 9 Yr 4.50% all years 10 Yr 4.55% all years $100K + 1 st Yr Y $100K nn Y 2 Yr 4.42% 4.16% 3 Yr 4.42% 4.07% 4 Yr 4.52% 4.13% 5 Yr 4.94% 4.11% 6 Yr 5.14% 4.27% 7 Yr 5.34% 4.45% 8 Yr 5.44% 4.53% 9 Yr 5.55% 4.62% 10 Yr 5.60% 4.65% Money Back Guarantee will cost the client basis points off the specified rate 2 Yr (-.15%), 3-6 Yrs (-.10%), 7-10 Yrs (-.05%) F WHWL fter the first year, you may withdrawal all or portion of the interest credited to the Guarantee Period, during the prior year only without surrender charges or MV. MMM PMM $10,000 Q/Q dditional payments of at least $2,000 $2,000 must be in each bucket, Lattering is allowed O PPOV, L,, M, M, Y, O, V, W CHG/ 2 Yr. 8.5, 7.5% 3 Yr. 8.5, 7.5, 6.5% 4 Yr. 8.5, 7.5, 6.5, 5.5% 5 Yr. 8.5, 7.5, 6.5, 5.5, 4.5% 6 Yr. 8.5, 7.5, 6.5, 5.5, 4.5, 3.5% 7 yr. 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5% 8 Yr. 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5% 9 Yr. 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5,.5% 10 Yr. 8.5, 7.5, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5,.5, 0% 30 ay window after the surrender charge period to move money with no surrender charges or MV. G Q/Q Clients are allowed to stay in the product until they are 95. COMMO 2 Year ges % ges % 3 year ges % ges % 4year ges % ges % 5-10 Years ges % ges % ** very additional deposit will have its own set of surrender charges. he client will be able to chose which guarantee period they would like for all new money, premiums added must be $2,000 or larger. o chargebacks on commission at death. M friendly. Full accumulation value available in a lump sum at death. H-you may have access to all or part of your contract value without surrender charges or MV if after the first contract year, you are confined to a licensed and qualified nursing home for at least 90 days or diagnosed by an approved physician as having a terminal illness that will result in death in 12 months or less. ate lock on the contract is 60 days. his product does have an MV which will apply on over the free withdrawal amount or early surrender. nnuitization is allowed after the guaranteed term. ates and commissions are subject to change without notice. Product availability and benefits may differ from state to state. Please contact obyn with Marketing Group at ext. 228, for current rates and more product information