SpectraMark SM Series Annuity Quick Reference

Transcription

1 SpectraMark SM Series Annuity Quick Reference Carrier Prduct Liquidity Optins/ Rider Features Prduct Features Crediting Optins Guaranteed Rates Fr mst current rating SpectraMark SM 10-year flexible deferred fixed indexed annuities* 0 85 Nnqualified Qualified Dates: Issued with effective date f the 1st, 8th, 15th, r 22nd f the mnth. Applicatin and must be received in gd rder tw business days (nt cunting the date f receipt) prir t an Otherwise, applicatins and are held withut interest until the next allcatin date fllwing the date all materials are received in gd rder. Value Riders Bth riders included with all SpectraMark sales. Current cmbined cst: 1.10% annually. 1. Incme Security Rider SM a built-in benefit that prvides lifetime incme withut annuitizatin. Incme base is the greater f: plus 6.25% cmpund rll-up rate fr up t 10 years, r plus 18% incme base bnus. Enhanced payment if impaired in 2 f 6 ADLs up t 2X the withdrawal percentage! Autmatic step-ups. 2. Enhanced Legacy Rider a built-in benefit that prvides an additinal level f death benefit payut ptins. Beneficiaries chse ne f tw ptins: Lump sum: 5% simple interest, r Incme base: paid ut fr 5 years (ages 0 70), r 10 years (ages 71 85). Refer t sales guide fr cmplete details n each ptin. Liquidity Riders Autmatic riders that prvide waiver f surrender charges upn qualificatin. ** Included at n additinal cst. 1. Nursing Hme. 2. Terminal Illness. 3. Unemplyment. 4. Hme Health Care. 3% upfrnt bnus n Year 1 s. Checkbk access., Index gains vest t date f death. N market value adjustment. N chargebacks upn death and qualificatin under liquidity rider. Charge-Free Year 1: required distributin (MRD) r substantially equal peridic payments (SEPP). Years 2 9: Greater f MRD, SEPP, r up t 10% f accunt value as f the prir anniversary, less any free withdrawals taken during the current cntract year. ** Fur withdrawals are allwed per cntract year with $500 per withdrawal. Schedule % (Refer t State Apprval Matrix fr prduct apprval infrmatin.) SpectraMark: 14, 13, 12, 11, 10, 8, 6, 4, 2, 1, 0% Indiana Only 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 0% SpectraMark LT: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% Step Frward Strategy : 5.75% 100% Annual Pint-t-Pint: 3.75% 100% Mnthly Pint-t-Pint: 2.00% 100% Mnthly 4.00% 100% S&P 500 Three-Year Mnthly Spread 4.00% 100% Declared Rate n Gain Optin: 3.50% Fixed Optin: 2.10% Declared and guaranteed fr 12 mnths frm the date is received. Rates effective, and subject t change. Check LegacyNet fr updates. $10,000 ($2,000 per interest crediting ptin allcatin). $2,000 additinal (allwed befre current ldest wner reaches age 86). Additinal s will be allcated t the Fixed Optin and may be reallcated t an index ptin n cntract anniversaries nly. $1 millin per wner withut Hme Office apprval. Guaranteed Value (MGSV): 87.5% f s reduced by surrenders (and any surrender charges theren) and withdrawals, rider charges, and adjusted fr any accunt value reallcatins, accumulated at a rate between 1% and 3% (set at the time the cntract is issued). MGSV is calculated individually fr each interest crediting ptin. Current Guaranteed Rate: 1.00% Step Frward Strategy : cap is 5%. Annual Pint-t-Pint: cap is 3%. Mnthly Pint-t-Pint: cap is 1%. Mnthly cap is 3%. (S&P 500 ) Three-Year Mnthly Declared Rate n Gain Optin: declared rate is 1%. Fixed Optin: effective annual interest rate is 1%. SpectraMark: 8.00% (Ages 0 75) 4.00% (Ages 76 85) SpectraMark LT: 6.25% (Ages 0 75) 3.13% (Ages 76 85) s are paid n all additinal prir t Year 4. Chargebacks: 100% chargeback within 12 mnths f full surrender r withdrawals exceeding the surrender chargefree amunt (50% during secnd 12 mnths). 100% chargeback n annuitizatin prir t Year 3. See Cmpensatin Schedule fr details. SpectraMark: AR, AZ, CA, CO, DC, FL 1,2, GA, HI, IA, ID 2, IL, IN, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH 3, NJ, NM, PA, RI, SD, TN, VA,VT, WI, WV, WY SpectraMark LT: AK, DE, FL 1,2, MA 2,4, NV, OH, OK, SC, TX, UT 1. SpectraMark available ages 0 64, SpectraMark LT available ages 65 and ver. 2. Hme Health Care Rider nt 3. Step Frward Strategy nt 4. Nursing Hme Rider and Unemplyment Rider nt Prducts are distributed by Legacy Marketing Grup : Refer t cntract, Earnings Rate Update, sales guide, and State Apprval Matrix fr details. Plicy Frm Ns: ACI-1018(06-11), API-1018(06-11), et al. Rider Endrsement Ns.: ARI-1007(02-11), ARI-1014(03-11), ARI-1015(03-11), ARI-1016(03-11), OM 3YHV(03-10), et al. Optinal prvisins and riders may have limitatins, restrictins, and additinal charges. rates are effective annual rates. Indexed interest rates are subject t a cap, spread, r declared rate, which are subject t change at the discretin f. S&P 500 is a trademark f The McGraw-Hill Cmpanies, Inc. and has been licensed fr use by Cmpany. The Prduct is nt spnsred, endrsed, sld r prmted by Standard & Pr s and Standard & Pr s makes n representatin regarding the advisability f purchasing the Prduct. * Subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. ** may be taxable and subject t penalties prir t age 59½. may reduce the death benefit. It is recmmended that tax advisers be cnsulted. Rll-up amunt is a current guaranteed rate. reserves the right t change this rate fr future sales f the rider t nt less than a guaranteed rate f 3%. Draft must be a f $500 and made payable t the Owner s bank. Drafts limited t fur per year. Available nly t individual U.S. residents and n traditinal IRA and nnqualified cntracts. Als knwn as the 3-Year High Value Fixed Indexed Crediting Optin Rider. Als knwn as the One-Year Pint-t-Pint Fixed Index n Gain Crediting Optin Rider. FG1539v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

2 SecureMaster SM SPIUL Quick Reference Carrier Prduct Features Bnus Liquidity Crediting Optins Guarantees Fr mst current rating SecureMaster SM Single Indexed Universal Life * Date: Issued with effective date f the 15 th f the mnth. must be received in gd rder tw business days prir t the Strng death benefit. N-lapse guarantee t age 110.** Guaranteed return f. 10% upfrnt additinal interest. Accelerated benefit riders at n additinal mnthly cst and n additinal underwriting: Terminal Illness and Critical Illness. 1 Simplified underwriting with pint-f-sale underwriting decisin. Increased grwth ptential with indexed crediting strategies. classes: Standard nn-tbacc and Standard Tbacc. Male/Female rates in all states except MT. 10% upfrnt bnus credited t the initial single amunt n the date f issue. All charges will be taken frm the plicy after the bnus has been credited. Plicy Lans: Available after Year 1 up t the cash surrender value. Number f lans available in a plicy year is unlimited. The lan balance will be charged an annual rate f 4%. The laned cllateral accunt will be credited an annual rate f 2%. repayment is $25. Partial s: Available after Year 1 ($500 ). The death benefit face amunt will be reduced by the partial surrender amunt including any surrender charge. Partial surrenders are nt available while an accelerated benefit rider is triggered. Mnthly Pint-t-Pint: 2.75% 100% Pintt-Pint With 100% Par. Rate With : 6.00% 100% Pintt-Pint With 140% Par. Rate With : 5.50% 140% Declared Rate Optin: 3.00% Declared and guaranteed fr 12 mnths frm the date is received. Rates effective, and subject t change. Check LegacyNet fr updates. $20,000. $25,000 face amunt. Additinal s are nt allwed. Maximum face amunt: Ages 50 76: $500,000. Ages 77 85: $250,000. Return f The Return f rider guarantees the surrender value will never be less than 100% f s paid, less any lan balance r net partial surrenders and acceleratins. Guaranteed Rates Indexed Optins: interest rate guarantee is 0.25% annually. Declared Rate Optin: interest rate guarantee is 0.25% annually. Guaranteed s Indexed Optins: 1.50%. Ages 50 79: 8.00% Ages 80 85: 4.00% Chargebacks n lapse r surrender: Year 1: 100% Year 2: 50%. Years 3+: NA See Cmpensatin Schedule fr details. AK, AR, AZ, CA 1,2, CO, CT 1, DC, FL 1, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY 1. Critical illness accelerated benefit rider nt 2. Terminal illness accelerated benefit rider nt Schedule %: 14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% 1. Nt available in all states and nt available fr issue ages 81 and lder in any state. SecureMaster SM single indexed universal life plicies are issued by ; prducts are distributed by Legacy Marketing Grup. Subject t state availability. Certain restrictins may apply. Optinal prvisins and riders may have limitatins, restrictins, and additinal charges. Receipt f accelerated benefits will reduce the plicy s death benefit and cash value. Refer t plicy, Earnings Rate Update, sales guide, State Apprval Matrix, and Cmpensatin Schedule fr details. S&P 500 is a trademark f The McGraw-Hill Cmpanies, Inc. and has been licensed fr use by Cmpany. The Prduct is nt spnsred, endrsed, sld r prmted by Standard & Pr s and Standard & Pr s makes n representatin regarding the advisability f purchasing the Prduct. * Subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. ** N-lapse guarantee des nt apply if partial surrenders are taken r plicy lans are nt repaid. Participatin rate is part f the index interest frmula. FG1518v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

3 LIFE WE HAVE AN APP FOR THAT! (and it includes a 10% upfrnt bnus) SecureMaster SM Single Indexed Universal Life 10% upfrnt bnus. Pint-f-sale underwriting decisin! 2 accelerated benefit riders at n additinal mnthly cst. Strng incme taxfree death benefit. Guaranteed return f.* GA-level cmmissins up t 8% (thrugh age 79). And dn t frget the 10% upfrnt bnus! 12 S Calendar My Files Weather SpaceBk LIFE Dictinary WARNING: This app wn t wrk n yur smartphne but it can expand yur sales zne. Listen t ur recrded webinar! Planner Maps Fr mre infrmatin call Marketing Field Supprt, Sund gd? Jin us t learn mre. SecureMaster single indexed universal life plicies are issued by ; prducts are distributed by Legacy Marketing Grup. Subject t state availability. Certain restrictins may apply. Receipt f accelerated benefits may reduce the plicy s death benefit and cash value. Refer t plicy, Earnings Rate Update, sales guide, State Apprval Matrix, and Cmpensatin Schedule fr details. * Guaranteed at least 100% f initial, less any lan balance and net withdrawals. FG1590v0113_LMG FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

4 NEW CmmandMark SM Annuity Series Quick Reference Carrier Prduct Features Bnus* Current Crediting Rates Riders* Guarantees PHL Variable Hartfrd, CT Ratings: B+ (Gd) fr strength. 6 th highest f 16 CmmandMark single deferred fixed indexed annuities* 5- r 10-year surrender perid with vesting bnus ptins up t 7% (varies by state). 10-Year Prducts Bnus CMark: 0% CMark LT: 0% CMark Plus: 7% CMark Plus LT: 5% 5-Year Prducts Bnus CMark IR: 5% CMark IR LT: 4% Issue Ages 0 85, Q and NQ. 0 69, Inherited IRAs and Inherited Rth IRAs in CA, IA, and NC. Dates 1 st, 8 th, 15 th, and 22 nd f the mnth. Applicatin and must be received in gd rder tw business days prir t the Otherwise, applicatins and are held withut interest until the next available allcatin date. Chice f multiple crediting rate strategies, including grundbreaking gld- and swap-ratebased strategies. Checkbk access.** Cnfinement Waiver Systematic Cntract Death Benefit Greater f surrender value r annuity value. 4, 5, r 7% vesting bnus ptins, depending n issue state and prduct selected: CMark Plus: 7% CMark Plus LT: 5% CMark IR: 5% CMark IR LT: 4% Vesting Schedule Begins earning interest n the issue date but desn t begin vesting until the first day f Year 6 fr 10-year prducts r Year 5 fr 5-year prducts. Plus, IR, Year Plus LT IR LT 1 4 0% 0% 5 0% 50% 6 10% 100% 7 20% 8 35% 8 55% 10 75% % Please refer t prduct inserts fr Ohi bnus vesting schedule. Penalty-Free Up t 10% f the annuity value each year after the first year, r required distributin (MRD) beginning Year 1 withut surrender charges r MVA. Schedule (+/-MVA) CmmandMark: 12, 12, 12, 11, 10, 9, 8, 7, 6, 5, 0% CmmandMark Plus: 15, 15, 14, 13, 12, 10, 9, 8, 7, 6, 0% CmmandMark LT and Plus LT: 9.00, 8.25, 7.25, 6.50, 5.50, 4.50, 3.75, 2.75, 1.75, 0.75, 0% CmmandMark IR: 12.50, 11.50, 10.50, 9.50, 8.00, 0% CmmandMark IR LT: 9.00, 8.25, 7.25, 6.50, 5.50, 0% Pint-t-Pint With Par. CMark: 2.00% 100% CMark LT: 2.00% 100% CMark Plus: 1.25% 100% CMark Plus LT: 1.25% 100% CMark IR: 1.25% 100% CMark IR LT: 1.25% 100% Rising Strategy (100% Par.) Mtplr. CMark: 1.80% 2.40 CMark LT: 1.80% 2.40 CMark Plus: 1.20% 1.60 CMark Plus LT: 1.20% 1.60 CMark IR: 1.20% 1.60 CMark IR LT: 1.20% 1.60 Gld Strategy Par. CMark: 1.50% 100% CMark LT: 1.50% 100% CMark Plus: 1.00% 100% CMark Plus LT: 1.00% 100% CMark IR: 1.00% 100% CMark IR LT: 1.00% 100% Guaranteed Fixed Rate Rate CMark: 1.15% CMark LT: 1.15% CMark Plus: 0.75% CMark Plus LT: 0.75% CMark IR: 0.75% CMark IR LT: 0.75% Rates effective, and subject t change. Check LegacyNet fr updates. Incme Riders Incme Cmmand Rider SM 2.0 Enhanced Prvides guaranteed incme withut annuitizatin plus enhanced incme upn cnfinement. Incme Cmmand Rider SM 2.0 Prvides guaranteed incme withut annuitizatin. Nn-bnus prducts: 10% cmpund annual rll-up. 6-year rll-up perid. Bnus prducts: 6.50% cmpund annual rll-up. 10-year rll-up perid. Nte: An incme rider must be elected with 5-year prducts. Death Benefit Rider Heritage Rider Enhanced death benefit equals the GREATER f: 1. Cntractual death benefit, r 2. Annuity value plus 50% f difference between Incme Base and annuity value. Available nly with electin f an incme rider t issue ages Current Annual Rider Csts Incme Rider nly: 0.95%. Incme Rider and Heritage Rider: 1.15%. $3,000 Q. $15,000 NQ. $1 millin per wner withut Hme Office apprval. Additinal nt allwed. Value is the GREATER f: 1. guarantee surrender value, r 2. Annuity value less any surrender charges, recvered surrender charges, and MVA. guaranteed surrender value: 87.5% (90% in CA, IA, and NC) f (excluding bnus) less withdrawals and deductins, accumulated at the guaranteed interest rate between 1% and 3%. Current guaranteed interest rate: 1.00% Pint-t-Pint With : cap is 1%. Rising Strategy: cap is 1%. multiplier is 1. Gld Strategy: cap is 1%. Guaranteed Fixed Rate: interest rate is 0%. CmmandMark: 9.00% (0 75) 6.75% (76 80) 4.50% (81 85) CmmandMark IR: 4.50% (0 75) 3.38% (76 80) 2.25% (81 85) CmmandMark Plus: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) CmmandMark LT: 8.50% (0 75) 6.38% (76 80) 4.25% (81 85) CmmandMark IR LT: 4.50% (0 75) 3.38% (76 80) 2.25% (81 85) CmmandMark Plus LT: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) s are based n the issue age f the current lder wner. Chargebacks: s paid n free-lked cntracts and s received within 12 mnths f full surrender are charged back at 100%. s fr s received within 12 mnths f death are charged back at a declining schedule (based n elapsed mnths) fr death. See Cmpensatin Schedule fr details. CMark, CMark Plus, CMark IR: AR, AZ, CA 1,3,4, CO, DC, GA, IA 1, ID, KS, KY, LA, MA 2, MD 2, MI, MS, MT, NC 1, ND, NE, NH, NM, RI, SD 2, TN, VT, WI, WV, WY CMark LT, CMark Plus LT, CMark IR LT: CT 3,5, IN 5, OH 6, OK, SC, TX, UT 1. Issue ages Cnfinement waiver nt 3. Enhanced incme rider nt 4. Heritage Rider nt 5. Bnus prducts nt available in state. 6. State-specific bnus vesting schedule. Prducts and riders are distributed by Legacy Marketing Grup : Plicy Frm N.: 11LIA, et al. Refer t cntract, Earnings Rate Update, sales guide, and State Apprval Matrix fr details. Guarantees are based n the claims-paying ability f the issuing cmpany, PHL Variable Cmpany. Annuities are lng-term investment vehicles particularly suited t retirement assets. Annuities held within qualified plans d nt prvide any additinal tax benefits. Early withdrawals may be subject t surrender charges. are subject t rdinary incme tax, and if taken prir t age 59½, a 10% IRS penalty may als apply. * Subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. ** Draft must be a f $500 and made payable t the Owner s bank. Drafts limited t fur per year. Available nly t individual U.S. residents and n traditinal IRA and nnqualified cntracts. Als knwn as the Pint-t-Pint With Multiplier Strategy. PH1116v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD /12

5 CmmandMark SM Annuity Series Quick Reference Carrier Prduct Features Bnus Current Crediting Rates Guarantees PHL Variable Hartfrd, CT B+ (Gd) fr strength. 6 th CmmandMark single deferred fixed indexed annuities* 10-year surrender perid with vesting bnus ptins up t 11% (varies by state). Prduct Versin Bnus CmmandMark: 0% CmmandMark 8: 8% CmmandMark Plus: 11% CmmandMark LT: 0% CmmandMark LT 5: 5% CmmandMark LT 8: 8% Issue Ages 0 85, Q and NQ. 0 69, Inherited IRAs and Inherited Rth IRAs in CA, IA, and NC. Dates 1 st, 8 th, 15 th, and 22 nd f the mnth. Applicatin and must be received in gd rder tw business days prir t the Otherwise, applicatins and are held withut interest until the next available Optinal Incme Cmmand Rider SM. Current annual rider cst: 0.95%. Nn-bnus prducts: 10% cmpund annual rll-up. 6-year rll-up perid. Bnus prducts: 7.50% cmpund annual rll-up. 10-year rll-up perid. Chice f multiple crediting rate strategies, including grundbreaking gld- and swap rate-based strategies. Checkbk access.** Cnfinement waiver. Systematic withdrawals. Death Benefit Greater f surrender value r annuity value. Includes unvested bnus amunts after Year 3. Availability varies by issue state and prduct selected. See State Apprval Matrix. Vesting Schedule Begins earning interest n the issue date, but desn t begin vesting until the first day f Year 6. CmmandMark Year LT 5 8, LT 8 Plus 1 5 0% 0% 0% 6 20% 14% 10% 7 40% 28% 20% 8 60% 42% 30% 9 80% 56% 40% % 70% 50% 11 84% 60% % 70% 13 80% 14 90% % Bnus prducts may have less favrable crediting rates. Penalty-Free Up t 10% f the annuity value each year after the first year, r required distributin (MRD) beginning Year 1 withut surrender charges r MVA. 10-Year Schedule (+/- MVA) CmmandMark: 12, 12, 12, 11, 10, 9, 8, 7, 6, 5, 0% CmmandMark 8: 14, 14, 13, 12, 11, 9, 8, 7, 6, 5, 0% CmmandMark Plus: 15, 15, 14, 13, 12, 10, 9, 8, 7, 6, 0% CmmandMark LT, LT 5, and LT 8: 9.00, 8.25, 7.25, 6.50, 5.50, 4.50, 3.75, 2.75, 1.75, 0.75, 0% Pint-t-Pint With Par. CmmandMark: 1.75% 100% CmmandMark 8: 1.50% 100% CmmandMark Plus: 1.25% 100% CmmandMark LT: 1.75% 100% CmmandMark LT 5: 1.50% 100% CmmandMark LT 8: 1.25% 100% Rising Strategy (100% Par.) Mtplr. CmmandMark: 1.20% 1.60 CmmandMark 8: 1.10% 1.50 CmmandMark Plus: 1.00% 1.30 CmmandMark LT: 1.20% 1.60 CmmandMark LT 5: 1.10% 1.50 CmmandMark LT 8: 1.00% 1.30 Mnthly Averaging Blended Temprarily Unavailable Gld Strategy Par. CmmandMark: 1.00% 100% CmmandMark 8: 1.00% 100% CmmandMark Plus: 1.00% 100% CmmandMark LT: 1.00% 100% CmmandMark LT 5: 1.00% 100% CmmandMark LT 8: 1.00% 100% Guaranteed Fixed Rate Mst FL, NV, TX CmmandMark: 1.00% NA CmmandMark 8: 0.85% NA CmmandMark Plus: 0.75% NA CmmandMark LT: 1.00% 1.00% CmmandMark LT 5: 0.85% 1.00% CmmandMark LT 8: 0.75% 1.00% Rates effective, and subject t change. Check LegacyNet fr updates. $3,000 Q. $15,000 NQ. $1 millin per wner withut Hme Office apprval. Additinal nt allwed. Value is the GREATER f: 1. guaranteed surrender value, r 2. Annuity value less any surrender charges, recvered surrender charges, and MVA. guaranteed surrender value: 87.5% (90% in CA, IA, and NC) f (excluding bnus) less withdrawals and deductins, accumulated at the guaranteed interest rate between 1% and 3%. Current guaranteed interest rate: 1.00%. Pint-t-Pint With : cap is 1%. Rising Strategy: cap is 1%. multiplier is 1. Mnthly Averaging Blended: Gld Strategy: cap is 1%. Guaranteed Fixed Rate: interest rate is 0% (1% in FL; 0.25% in NV and TX). CmmandMark: 8.00% (0 75) 6.00% (76 80) 4.00% (81 85) CmmandMark 8: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) CmmandMark Plus: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) CmmandMark LT: 7.50% (0 75) 5.63% (76 80) 3.75% (81 85) CmmandMark LT 5: 7.00% (0 75) 5.25% (76 80) 3.50% (81 85) CmmandMark LT 8: 6.50% (0 75) 4.88% (76 80) 3.25% (81 85) s are based n the issue age f the current lder wner. Chargebacks: s paid n free-lked cntracts and s received within 12 mnths f full surrender are charged back at 100%. s fr s received within 12 mnths f death are charged back at a declining schedule (based n elapsed mnths) fr death. CmmandMark HI, IL CmmandMark LT FL 1, NV 1. Waiver f Charges Prvisin nt Prducts are distributed by Legacy Marketing Grup : Plicy frm N.: 11LIA, et al. Refer t cntract, Earnings Rate Update, sales guide, and State Apprval Matrix fr details. Guarantees are based n the claims-paying ability f the issuing cmpany, PHL Variable Cmpany. Annuities are lng-term investment vehicles particularly suited t retirement assets. Annuities held within qualified plans d nt prvide any additinal tax benefits. Early withdrawals may be subject t surrender charges. are subject t rdinary incme tax, and if taken prir t age 59½, a 10% IRS penalty may als apply. See Cmpensatin Schedule fr details. * Subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. ** Draft must be a f $500 and made payable t the Owner s bank. Drafts limited t fur per year. Available nly t individual U.S. residents and n traditinal IRA and nnqualified cntracts. Als knwn as the Pint-t-Pint With Multiplier Strategy. PH1047v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD /12

6 Freedm Annuity Series Quick Reference Carrier Prduct Features Schedule % Crediting Rate Strategies Guaranteed Rates Fr mst current rating Freedm flexible deferred fixed indexed annuities* in FL n 12-year prducts. Dates: 1 st, 8 th, 15 th, and 22 nd f each mnth. must be received in gd rder fur business days (nt cunting the date f receipt) prir t an allcatin date. Otherwise, will be allcated n the next allcatin date. Chice f: Prduct Bnus Duratin Freedm: 0% 12 Years Freedm SE: 4% 12 Years Freedm 7: 0% 7 Years Freedm 7 SE: 4% 7 Years Incme Freedm Rider SM a built-in benefit with bnus prducts (nt available with nn-bnus prducts) that prvides flexible, guaranteed incme fr life withut annuitizatin. 6.50% cmpund rll-up rate. Current rider cst is 70 bps. Cmpund rll-up amunt is a current guaranteed rate. Guaranty Life reserves the right t change this rate fr future sales f Incme Freedm Rider r fr restart t nt less than a guaranteed rate f 3%. 0% administrative and investment charges, guaranteed. Checkbk access. **, Cnfinement waiver. Substantially equal peridic payments. Systematic incme ptin. Death benefit fr all issue ages is greater f annuity value r guaranteed annuity value. Annuitize fr full annuity value in Year 6; value years 1 5. N market value adjustment. The greater f 10% f annuity value each year including the first year, r the required distributin assciated with the cntract can be withdrawn free f surrender charges. 7- r 12-year declining Freedm: 13.5, 12.5, 11.5, 10.5, 10, 9, 8, 7, 6, 5, 4, 2% Freedm SE (4% bnus): 13.75, 12.75, 11.75, 11, 10, 9, 8, 7, 6, 5, 4, 2% Freedm 7: 9, 8, 7, 6, 5, 4, 3% Freedm 7 SE (4% bnus): 9, 9, 8, 7, 6, 5, 4% Step Frward Strategy : Freedm: 7.00% 100% Freedm SE: 7.00% 100% Freedm 7: 5.00% 100% Freedm 7 SE: 5.00% 100% Pint-t-Pint: Freedm: 3.75% 100% Freedm SE: 3.75% 100% Freedm 7: 3.00% 100% Freedm 7 SE: 3.00% 100% S&P 500 Mnthly : Freedm: 2.00% 100% Freedm SE: 2.00% 100% Freedm 7: 1.60% 100% Freedm 7 SE: 1.60% 100% S&P 500 Tw-Year Mnthly Avg: Freedm: 9.00% 100% Freedm SE: 9.00% 100% Freedm 7: 7.00% 100% Freedm 7 SE: 7.00% 100% (S&P 500 ) Three-Year Mnthly Avg. With Spread: Spread Freedm: 5.00% 100% Freedm SE: 5.00% 100% Freedm 7: 5.00% 100% Freedm 7 SE: 5.00% 100% (S&P 500 ) Declared Rate n Gain Strategy: Freedm: 3.50% Freedm SE: 3.50% Freedm 7: 2.50% Freedm 7 SE: 2.50% Guaranteed One-Year: Declared and guaranteed fr 12 mnths frm the date is received. Freedm: 2.05% Freedm SE: 2.05% Freedm 7: 1.55% Freedm 7 SE: 1.55% $3,000 initial n qualified. $5,000 initial n nnqualified. $2,000 additinal * (allwed befre current ldest wner reaches age 86). $1 millin per wner withut Hme Office apprval. Guaranteed Annuity Value: 87.5% f payments less grss withdrawals, accumulated at a guaranteed interest rate between 1% and 3% (set at the time the annuity is issued). Current Guaranteed Rate: CA, IL, MN, UT, WA: 1.00% (fixed strategy) 1.00% (indexed strategies) All ther states: 1.00% Step Frward Strategy : cap is 5%. Pint-t-Pint: cap is 3%. S&P 500 Mnthly : cap is 1%. S&P 500 Tw-Year Mnthly Avg: cap is 6%. (S&P 500 ) Three-Year Mnthly Avg. With Spread: (S&P 500 ) Declared Rate n Gain Strategy: declared rate is 1%. Based n the issue age f the ldest wner. Freedm: 0 75: 6.50% 76 85: 3.25% Freedm SE: 0 75: 6.50% 76 85: 3.25% Freedm 7: 0 75: 4.00% 76 85: 2.00% Freedm 7 SE: 0 75: 4.00% 76 85: 2.00% See Cmpensatin Schedule fr details. Freedm Series: AR, AZ, CA, CO, CT 1,2,4,5, DC, DE, FL 3, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA 1, MD, ME, MI, MN 1, MO, MT, NC, ND, NE, NH, NJ, NM, NV 1, OH 1, OK, PA, RI, SC, SD, TN, TX 1, UT 1, VA, WA*,1, WI, WV, WY year prducts nt Als, in MN, NV, UT, and WA, Freedm 7 SE nt 2. Tw-Year Mnthly Average Strategy nt 3. Freedm and Freedm SE available nly t ages Three-Year Mnthly Average With Spread Strategy nt 5. Declared Rate n Gain Strategy nt Rates effective, and subject t change. Check LegacyNet fr updates. Prducts are distributed by Legacy Marketing Grup : Refer t cntract fr details. Prduct, features, strategies, and rider are subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. Frm Ns: OM-CEIAII , OM-CEIAII-0708-B, OM-CEIAII , OM-CEIAII-0708-B-1, et al. Rider Frm N: OM GMWB-FA (01-09). S&P 500 is a trademark f The McGraw-Hill Cmpanies, Inc. and has been licensed fr use by Cmpany. The Prduct is nt spnsred, endrsed, sld r prmted by Standard & Pr s and Standard & Pr s makes n representatin regarding the advisability f purchasing the Prduct. * In WA, prducts are available as single deferred fixed indexed annuities nly. Additinal s d nt apply. ** Draft must be a f $500 and made payable t the Owner s bank. Drafts limited t fur per year. Available nly t individual U.S. residents and n traditinal IRA and nnqualified cntracts. may be subject t incme tax. If withdrawals are made befre age 59½, they als may be subject t an IRS penalty tax. It is recmmended that tax advisers be cnsulted. Als knwn as the Annual Pint-t-Pint 3-Year High-Water Mark Strategy. Available n prducts issued n r after January 5, Available n prducts issued n r after May 16, Available n prducts issued n r after Octber 3, FG1171v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS

7 Series Annuity Quick Reference Carrier Prduct Features Bnus Crediting Optins Guaranteed Rates Fr mst current rating Series flexible fixed deferred indexed annuity* 0 75 Nnqualified Qualified Dates: Issued with effective date f the 1st, 8th, 15th, r 22nd f the mnth. Applicatin and must be received in gd rder tw business days (nt cunting the date f receipt) prir t an Otherwise, applicatins and are held withut interest until the next available allcatin date fllwing the date all materials are received in gd rder. Index gains vest t date f death. Checkbk access.**, Nursing Hme waiver. Terminal Illness waiver. Unemplyment waiver. Death f Owner greater f full accunt value r MGSV at death. Substantially equal peridic payments. Systematic incme ptin. Incme Freedm Rider SM an included annuity benefit that prvides flexible, guaranteed incme withut annuitizatin. 6.50% cmpund rll-up rate. Current rider cst is 70 bps annually. Annuitize fr greater f full accunt value r MGSV in Year 6+; value r MGSV years 1-5. annuitizatin is 5 years. N market value adjustment. 7% vesting bnus (Bnus is available n initial nly and is nt included in the Incme Freedm Rider SM incme base). 100% vested at death r under Nursing Hme, Terminal Illness, r Unemplyment waiver. Vesting Schedule Year % Charge-Free Year 1: required distributin (MRD) r substantially equal peridic payments (SEPP). Years 2 9: Greater f MRD, SEPP, r up t 10% f vested accunt value as f the prir anniversary, less any free withdrawals taken during the current cntract year. Schedule % (Refer t State Apprval Matrix.) : 10, 10, 10, 10, 9, 8, 7, 6, 4, 2, 0% LT: 9, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0% Additinal payments will nt start a new surrender charge perid. Step Frward Strategy : 5.00% 100% Annual Pint-t-Pint: 3.00% 100% Mnthly Pint-t-Pint: 1.60% 100% Mnthly 3.00% 100% S&P 500 Tw-Year Mnthly 7.00% 100% (S&P 500 ) Three-Year Mnthly Spread 6.00% 100% Declared Rate n Gain Optin:*, 2.50% Fixed Optin: 1.55% Declared and guaranteed fr 12 mnths frm the date is received. Rates effective, and subject t change. Check LegacyNet fr updates. $10,000 ($2,000 strategy allcatin). $2,000 additinal (allwed befre current ldest wner reaches age 86). Additinal s will be allcated t the Fixed Optin and may be reallcated t an index ptin n cntract anniversaries nly. bnus is nt available n additinal s. $1 millin per wner withut Hme Office apprval. Guaranteed Value: 87.5% f payments less grss withdrawals, and adjusted fr any accunt value reallcatins, accumulated at a rate between 1% and 3% (set at the time the cntract is issued). Current Guaranteed Rate: AR, FL, ID, KS, MD, ME, MI, NC, OK, SD, TX, VT, and WI Fixed: 1.00% Indexed: 1.00% All ther states: Fixed: 1.10% Indexed: 1.10% Step Frward Strategy : cap is 5%. Annual Pint-t-Pint: cap is 3%. Mnthly Pint-t-Pint: cap is 1%. Mnthly cap is 3%. S&P 500 Tw-Year Mnthly cap is 6%. (S&P 500 ) Three-Year Mnthly Declared Rate n Gain Optin:*, declared rate is 1%. Fixed Optin: effective annual interest rate is 1.00%. : 7.00% (Ages 0 75) LT: 5.75% (Ages 0 75) LT in FLORIDA: 7.00% (Ages 65 75) LT in TEXAS: 6.00% (Ages 0 75) s are paid n all additinal prir t Year 4. See Cmpensatin Schedule fr details. : AR, AZ, CA, CO, DC, DE, FL 1, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH 2, NJ, NM, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY LT: FL 1, MA, NV, OH, TX 1. In Flrida, is available fr ages 0 64; LT is available fr ages Declared Rate n Gain Optin nt available in this state. Prduct is distributed by Legacy Marketing Grup : Refer t cntract, Earnings Rate Update, sales guide, and State Apprval Matrix fr details. Plicy Frm Ns: FGL FPDA-EIA (2005); FGL FPDA-EIA-C (3-08), et al. Rider Endrsement N.: ARI-1008(02-11). Optinal prvisins and riders may have limitatins, restrictins, and additinal charges. Indexed interest rates are subject t a cap, spread, r declared rate. rates are effective annual rates. s, spreads, declared rates, and interest rates are subject t change at the discretin f. S&P 500 is a trademark f The McGraw-Hill Cmpanies, Inc. and has been licensed fr use by Cmpany. The Prduct is nt spnsred, endrsed, sld r prmted by Standard & Pr s and Standard & Pr s makes n representatin regarding the advisability f purchasing the Prduct. * Subject t state availability. Certain restrictins may apply. Check current State Apprval Matrix. ** Draft must be a f $500 and made payable t the Owner s bank. Drafts limited t fur per year. Available nly t individual U.S. residents and n traditinal IRA and nnqualified cntracts. may be subject t incme tax. If withdrawals are made befre age 59½, they als may result in tax penalties. It is recmmended that tax advisers be cnsulted. Rll-up amunt is a current guaranteed rate. reserves the right t change this rate fr future sales f Incme Freedm Rider t nt less than a guaranteed rate f 3%. Als knwn as the 3-Year High Value Fixed Indexed Crediting Optin Rider. Nt available in all states. Available n prducts issued n r after May 16, FG1409v0313 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS