Annuity Product Reference Guide

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1 EQUIT Annuity Product Reference Guide OPEN HERE! our potential annuity sales await! October 2014 Last Updated 10/01/14 Contact us Today! See website for contest rules. Contact us Today! For producer use only.

2 Table of Contents - Company Overviews 3 EQUIT ANNUITIES 4 GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON 5 GUARANTEE INCOME RIDER INCOME PAOUT PERCENTAGE COMPARISON 6 AMERICAN GENERAL LIFE COMPANIES* Policies issued by American General Life and United States Life (N only) A.M. Best Rating* = A (excellent) (888) AMERICAN NATIONAL INSURANCE COMPAN A.M. Best Rating = A (excellent) (800) ATHENE ANNUIT & LIFE ASSURANCE COMPAN A.M. Best Rating = B++ (good) (855) , option EQUITRUST LIFE INSURANCE COMPAN A.M. Best Rating = B++ (good) (866) GENWORTH FINANCIAL A.M. Best Rating = A (excellent) (866) (option 1 & option 1) GREAT AMERICAN LIFE INSURANCE COMPAN A.M. Best Rating = A (excellent) (800) x LINCOLN FINANCIAL GROUP A.M. Best Rating = A+ (superior) (800) NORTH AMERICAN COMPAN FOR LIFE AND HEALTH A.M. Best Rating = A+ (superior) (877) x SAGICOR LIFE INSURANCE COMPAN A.M. Best Rating = A- (excellent) (888) x6180 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. *The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurer financial strength. For current insurer financial strength ratings, please consult our Internet Web page, See Advertising Disclosures for additional information. 2

3 Equity Indexed Annuities Company Product Name Bonus Design Annual Cap Fixed Rate S&P 500 Participation Rate Value Charge Period (less at Older ) 6 year term Great American Life Safe Outlook 0.00% % 1.70% 100% First ear 90% 6 years 3.50% 7 year term Great American Life American Legend III 0.00% % 1.75% 100% First ear 100% 7 years 4.75% Genworth Secure Living % % 1.60% 100% First ear 100% 7 years 4.50% American National Strategy Plus % % 2.25% 100% First ear 87.5% 7 years 5.00% 8 year term Athene Annuity Enhanced Choice % % 1.20% 100% For Term 87.5% 8 years 5.50% North American Performance 8 Plus 4.00% for 5yrs %mo 1.40% 100% First ear 100% 8 years 5.50% 9 year term EquiTrust Life Market Booster 7.00% %mo 1.35% 40% First ear 2.00% on 87.5% 9 years 6.00% Sagicor Life Sage Advantage % % 2.00% 100% First ear 100% 9 years 4.50% 10 year term Athene Annuity Benefit % % 1.70% 100% First ear 87.5% 6.00% North American Retire Choice % for 5yrs % 1.70% 100% First ear 87.5% 6.50% Genworth Secure Living EIA % % 1.10% 100% First ear 100% 7.00% EquiTrust Life Market Value EIA 0.00% % 2.50% 75% First ear 2.00% on 87.5% 6.50% North American Ten - EIA 6.00% for 5yrs % 1.35% 100% First ear 100% 7 years 5.50% Athene Annuity Choice % % 1.80% 100% First ear 87.5% 7.00% Great American Life American Valor % % 1.00% 100% First ear 100% 5.00% American National Strategy Plus % % 2.25% 100% First ear 87.5% 7.00% Great American Life Safe Return 0.00% % 1.00% 100% For Term 100% 5.50% North American Charter % %mo 1.35% 100% First ear 1.10% on 87.5% 6.50% American National Value-Lock 2.00% 6 No Cap None 100% First ear 90% 7.00% EquiTrust Life Market 10 Bonus 6.00% for 5yrs % 1.50% 50% For Term 100% 6.00% 12 year term Athene Annuity Enhanced Choice % % 1.00% 100% First ear 87.5% 12 years 7.00% North American Performance 12 Plus 7.00% for 5yrs % 1.45% 100% For Term 100% 12 years 6.00% 14 year term North American Precision % for 7 yrs % 1.35% 100% First ear 1.10% on 87.5% 14 years 7.00% North American Retire Choice % for 5yrs % 1.75% 100% First ear 87.5% 14 years 8.50% EquiTrust Life Market Power Bonus 10.00% % 1.60% 55% First ear 2.00% on 87.5% 14 years 8.50% North American Charter Series % for 7 yrs % 1.35% 100% First ear 1.10% on 87.5% 14 years 7.00% EquiTrust Life Market 12 Bonus 12.00% % 1.35% 50% First ear 2.00% on 87.5% 14 years 8.50% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. (A) 6.00% day 1, 2.00% 1st anniversary yr., 2.00% 2nd anniversary yr., 2.00% 3rd Anniversary r. (B) 4.00% year 1, 2.00% 1st anniversary yr., 1.00% 2nd anniversary yr.. 1 = Monthly Average Annual Reset 2 = Annual Point to Point Reset 3 = Point to Point 4 = Monthly Point to Point Annual Reset 5 = Monthly Cap Annual Reset 6 = High Water Rolling for Monthly Term 7 = 2 year Monthly Average 8 = Trigger Point 9 = 18 Monthly Average *RATES AND COMMISSIONS SUBJECT TO CHANGE. CHECK INDIVIDUAL COMMISSION SCHEDULES FOR GUARANTEED ACCURAC AND DESCRIPTIONS!!!* Call for state approvals. 3

4 Roll-up Rate in Accumulation Period American General Lifetime Plus 7.00% Simple for Athene Annuity GLWB & Enhanced GLWB* 6.50% for (1.00% income bonus) Athene Annuity Enhanced Benefit Rider 7.00% simple years % simple years 11+ Athene Annuity Edge Plus 6.00% for 12 years Great American Secure 10% Simple for 7 years Sustainer Plus 8% Simple for 12 years North American Pay Option % for Life North American Pay Option % for 10 years North American Pay Option % for is renewable North American Choice 10 & % Plus interest for 20 years EquiTrust for Life 6.50% for 15 years Lincoln Financial Group Lincoln Lifetime Edge Step-up Benefit factor* 5% minimum for Genworth Protection (6.00% Bonus) 8.00% Simple for Credited Annually Annually Annually Annually Annually Annually Annually Annually Annually Annually Daily Annually Daily Annually W/D Multiplier - Confinement Feature (See Contract for Qualifying Confinement Criteria) No No 1.5 x income base* 1.5 x withdrawal benefit es No No No No No No No 10% of Base Annually Start Stop Option es es es es es es es es es es es es es es Rider Charge (calculated annually against the IAV, deducted monthly from AV) 0.95% Increasing Benefit Option Payments for Life Phase Waiting Period Rider Charge Refund 1.25% 1.50% * 1.40% 0.95% 0.85% 1.25% 0.40% 0.95% 0.95% years not exceed 1.50% No 0.00% 0.75% 0.85% 0.95% es No es No No No No No No No No No No No es es es es es es es es es es es es es es 1 ear and 60 year old No 1 ear and Age 50 No Account at Death No No Guarantee Rider (Living Benefit) Comparison 1 ear and Age 50 Ask about True Up es if taken over 5 years Age year old 1 ear and 55 year old 1 ear and 55 year old 1 ear and 55 year old 1 ear and 55 year old 1 ear and 50 year old 2 ears and 50 year old Age 50 1 year and 55 year old American National Strategy Plus 5.00% Plus interest for 2 years No es No No No No No No No No No No No es if taken over 5 years No 0.60% 0.30% 1 year and 50 year old No No No No No No No No Joint Lifetime Option available State Availability es CT, IL, NJ, MD, OR, VT, WA es No* CA, CT, HI, IL, N, WA es es es es es es es es es es es es AK, CT, DE, FL, HI, MN, NJ, NV, N, OK, OR, PA, UT, WA NJ, N, WA N, WA N AK, CT, DE, MN, OR, WA AK, CT, DE, MN, OR, WA AK, CT, DE, MN, OR, WA, UT AK, CA, CT, DE, MN, MS, MO, NV, NH, OH, OR, SC, TX, UT, VT, VA, WA Min 40 - Max based on base contact N See base contract N, WA CT, DE, NV, N IL, IA, MD, MA, NJ, N, OR, PA For Agent Use Only. Not for Use with the Public. 4

5 AGE Guarantee Rider Payout Percentage Comparison Great American Sustainer** Single Lifetime Benefit Sustainer Plus* Single Lifetime Benefit North American Choice 10 & % 4.00% 4.00% % 4.10% 4.00% % 4.20% 4.00% % 4.30% 4.00% % 4.40% 4.00% % 4.50% 4.50% % 4.60% 4.60% % 4.70% 4.70% % 4.80% 4.80% % 4.90% 4.90% % 5.00% 5.00% % 5.10% 5.10% % 5.20% 5.20% % 5.30% 5.30% % 5.40% 5.40% % 5.50% 5.50% % 5.60% 5.60% % 5.70% 5.70% % 5.80% 5.80% % 5.90% 5.90% % 6.00% 6.00% % 6.10% 6.10% % 6.20% 6.20% % 6.30% 6.30% % 6.40% 6.40% % 6.50% 6.50% % 6.60% 6.50% % 6.70% 6.50% % 6.80% 6.50% % 6.90% 6.50% % 7.00% 6.50% % 7.10% 6.50% % 7.20% 6.50% % 7.30% 6.50% % 7.40% 6.50% % 7.50% 6.50% AGE American General Lifetime*** Plus Athene Annuity GLWB** Enhanced GLWB** Athene Annuity Enhanced Benefit Rider Athene Annuity Edge Plus North American Pay* EquiTrust Life Inc. for Life* Genworth Protection* % 3.50% 3.00% 3.50% 4.00% 3.50% 0.00% % 4.00% 3.50% 4.00% 4.00% 4.00% 4.00% % 4.50% 4.00% 4.50% 4.50% 4.50% 4.50% % 5.00% 4.50% 5.00% 5.00% 5.00% 5.00% % 5.50% 5.00% 5.25% 5.50% 5.50% 5.50% % 6.00% 5.50% 5.50% 6.00% 6.00% 6.00% % 6.50% 6.00% 6.00% 6.50% 6.50% 6.50% % 7.00% 6.50% 6.25% 6.50% 7.00% 6.50% % 7.50% 7.00% 6.50% 6.50% 7.50% 6.50% AGE Lincoln Financial Group Lincoln Living Advantage Less than 5 years* At least 5, but less than * At least * % 4.50% % % 5.00% % % 5.50% % % 6.00% % % 6.50% % % 7.00% % % 7.50% % % 8.00% % % 7.75% % % 8.25% % % lower for Opti-Point % lower for Opti-Point. * Joint life payout is 0.50% lower and based on the younger age. ** Joint life payout is 1.00% lower and based on the younger age. *** Joint life payout is 0.50% lower and based on the coverage age of spouses, For Agent Use Only. Not for Use with the Public. rounded down. There is a minimum $50,000 contribution. 5

6 AMERICAN GENERAL LIFE COMPANIES (AGLC) EQUIT =es AG Power Protector - 7 EIA Annuity NEW PREMIUMS UNDER $100,000 Fixed account: 1.80% Participation rate: 100% Annual Pt - to - Pt Cap: 4.10% Monthly Pt - to - Pt Cap: 1.65% Monthly Average Only Spread: 3.20% PREMIUMS OVER $100,000 Fixed account: 1.80% Participation rate: 100% Annual Pt - to - Pt Cap: 4.60% Monthly Pt - to - Pt Cap: 2.00% Monthly Average Only Spread: 2.70% 87.5% of $25,000 Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Living Benefit Rider is available. 7 years (8,7,6,5,4,3,2) % - (0-85) CT, N, OR, VT, WA, AG Power Protector - 7 Plus EIA Annuity NEW PREMIUMS UNDER $100,000 Fixed account: 2.20% Participation rate: 100% Annual Pt - to - Pt Cap: 4.75% Monthly Pt - to - Pt Cap: 1.75% Monthly Average Only Spread: 2.50% PREMIUMS OVER $100,000 Fixed account: 2.20% Participation rate: 100% Annual Pt - to - Pt Cap: 5.25% Monthly Pt - to - Pt Cap: 2.10% Monthly Average Only Spread: 2.00% 87.5% of $25,000 Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Living Benefit Rider is available. 7 years (8,7,6,5,4,3,2) 4.00% - () CT, N, OR, VT, WA AG Power Protector - 10 EIA Annuity (4.00% Bonus) Fixed account: 1.50% Participation rate: 100% Annual Pt - to - Pt Cap: 3.50% Monthly Pt - to - Pt Cap: 1.65% Monthly Average Only Spread: 3.00% 87.5% of $25,000 Enhancement Recapture: At the end of each contract year in the first 10 years, 10% of your enhancement becomes vested into your contract value. If you take an excess withdrawal before the full enhancement is vested at the beginning of the 11th contract year, American General Life will recapture a portion of your enhancement. Upon excess withdrawal, death, annuitization or a full surrender, a enhancement recapture will be applied on a pro-rata basis, meaning that your unvested enhancement will be reduced by the same percentage that the excess withdrawal reduced the contract value. Free withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or. Easy access to your money in times of need or illness: The withdrawal charge and may be waived if you: Are diagnosed with a terminal illness, Have extended care needs, Are confined to a nursing home or an assisted living facility. Restrictions and limitations apply. These riders may not be available in all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Living Benefit Rider is available. (10,9,8,7,6, 5,4,3,2,1) 6.50% - (0-70) 4.50% -(71-75) CT, N, OR, VT, WA AG Power Protector - 10 Plus EIA Annuity (4.00% Bonus) Fixed account: 1.20% Participation rate: 100% Annual Pt - to - Pt Cap: 2.50% Monthly Pt - to - Pt Cap: 1.00% Monthly Average Only Spread: 3.75% 87.5% of $25,000 Death Benefit: Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges and or the withdrawal value. Free s: After the first contract year, clients may withdraw up to 10% of the annuity value (based on the previous contract anniversary) without withdrawal charges or. No Free s are allowed in the first contract year (unless required by state law or taken under Lifetime Plus or as Required Distributions). If Lifetime Plus is elected, clients may take out up to the maximum annual withdrawal amount (MAWA) without any company-imposed charges. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if it is a Free. Terminal Illness, Extended Care and Activities of Daily Living Riders: The withdrawal charge and may be waived if the contract owner: Is diagnosed with a terminal illness, has extended care needs or requires assistance with activities of daily living - CALL FOR DETAILS! These riders are no available in all states. Required Distributions (RMDs): If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimum amount of retirement income must be paid each year beginning in the year the owner turns to age 70 1/2. These payments are known as RMDs. charges and will not apply to RMDs attributable to a Power Index Plus contract at any time after issue, including the first contract year. RMD amounts do count against the 10% Free amount, thereby reducing or possibly eliminating the ability to take other Free s within a contract year. Failure to satisfy the RMD requirements may result in a tax penalty. Clients should consult their tax advisor for more information. Annuitization Choices: Clients can choose from five options, AKA plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivor annuity with 10- or 20-year period certain; 40 Life annuity with 10- or 20-year period certain; and 5) for a specified period (5-30 years). Cash Value: Equals the greater of the Value or the contract value adjusted for any, optional living benefit fee and withdrawal charge. Lifetime Plus is an optional guaranteed living benefit rider. The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Base is initially equal to the first eligible ; it is increased with each additional eligible. Annual Credit (Roll-up): 7% of the Credit Base in years when no withdrawals are taken in the contract s first. Credit Base: A component of the rider that is used solely to calculate the income credit. Initially, the income Credit Base is equal to the first eligible ; it is increased with each additional eligible. (10,9,8,7,6, 5,4,3,2,1) 6.50% - (0-70) 4.50% -(71-75) CT, N, OR, VT, WA (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. 6

7 ATHENE ANNUIT & LIFE ASSURANCE COMPAN (ALA) EQUIT =es Benefit - 10* (6.00% Bonus) NEW S&P % Participation Rate. CAP-3.65%. Annual Point to Point Design. 0 Index Factor (CAP 3.15% - MN, MO, OR, UT, PA) Fixed Account 1.70% years 1-5 (1.40% - MN, MO, OR, UT, PA) 2.05% pt to pt monthly CAP with a 0 Index Factor. Annual Reset Design. 100% Part. Rate w/s&p 500 (1.80% CAP Pt to Pt in MN, MO, OR, UT, PA) $10,000 Annuity owner and annuitant must be the same person to purchase this product, unless the owner is a non-natural person. The contract owner can reallocate once a year. Reallocation letters are sent on the contract anniversary. Requests for reallocation must be made in writing within 30 days after the contract anniversary date. s (taken from the fixed acct first): Up to 10% of accum value (accum value as defined as of the last contract ann) free after the first year. $500 min withdrawal required. Remaining accum value must be at least $5,000. Systematics available (comm chargeback and surr charges may apply if taken in the first year). $100 min withdrawal is required. RMDs (Required Distributions) available. SEPPs - 72(t)(q) available. Confinement Waiver: Up to the accum value after the first contract year if owner is confined to a long-term care facility or hospital for 90 consecutive days or more after the contract is issued. No age limits. Terminal Illness Waiver: Up to the accumulation value after the first contract year if owner becomes terminally ill with less than 12 months to live (24 months in KS). Illness must have been diagnosed after contract was issued. No age limits. Annuitization options: After second contract year - life income or life with certain periods of 10 or 20 years selected. After 5th contract year - fixed period of at least 5 years. Bonus: This rider provides a 6% bonus that is credited on the day the contract is issued. For purposes of calculating free withdrawals, death benefits, annuitization, confinement and terminal illness waivers, the Bonus will be considered 100% vested. Call for vested details! The benefit base is the amount used to calculate Rider benefits. The Benefit Base is the initial payment plus the annual rollup rate minus withdrawals and cannot be withdrawn in a lump sum. Annual rollup rate - The benefit base grows annually with simple interest rollups until the earlier of age 85 or the election of benefits. Overview of Enhanced Benefits Rider Benefits 1 10 ears (9,9,8,7,6,5,4,3,2,1) % ages 3.50% ages CA, CT, HI, IL, N, WA Enhanced Choice - 12* (5.00% Bonus) GREAT S&P % Participation Rate. CAP-4.50%. Annual Pt to Pt Design. 0 Index Factor One ear Fixed Rate: 1.00% year yr monthly cap 1.60% with S&P % Quarterly pt-to-pt with DJIA 1-yr Mon Ave Cap 5.00% with DJIA $5,000 Annuitization options: Contract charges are not assessed when: after the first 12 months, an income for life is selected (commission chargeback may apply). After the first 5 contract years, an income payment option with a guaranteed period of at least is selected. Death Benefit - Greater of the accumulation value or minimum guaranteed cash surrender value. The does not apply to death proceeds. Spousal priviledges are available. s - Up to 10% of accum value free after the first year. (Additional withdrawals within the same contract year are subject to surrender and charges.) $500 minimum withdrawal required. Remaining accumulation value must be at least $2,000. Systematics available (commission chargeback and surrender charges may apply if taken in the first year). $100 minimum withdrawal is required. RMDs (Required Distributions) available. SEPPs (Substantially Equal Periodic Payments) - 72(t)(q) available. Confinement Waiver: Up to the accumulation value after the first contract year if owner is confined to a long-term care facility or hospital for 90 consecutive days or more after the contract is issued. No age limits. Terminal Illness Waiver: Up to the accumulation value after the first contract year if owner becomes terminally ill with less than 12 months to live. Illness must have been diagnosed after contract was issued. No age limits. 12 ears (14,13,12,11,10,9,8, 7,6,5,4,3) 12 ears (CA, TX & WA ONL) (12,11,10,9,8,7,6,5, 4,3,2,1) (except FL - max issue age is 64) 7.00% ages 4.00% ages ( CA 1.00% less) AK, CT, DE, HI, MN, NJ, N, OH, OK, OR, PA, TX, UT, WA Enhanced Choice - 8* (2.00% Bonus) S&P % Participation Rate. CAP-4.50%. Annual Point to Point Design. 0 Index Factor One ear Fixed Rate: 1.20% year yr Monthly Point-to-Point Cap 1.65% with S&P yr Quarterly Point-to-Point Cap 1.10% with DJIA 1-yr Mon Ave Cap 5.00% with DJIA $5,000 Annuitization options: Contract charges are not assessed when: after the first 12 months, an income for life is selected (commission chargeback may apply). After the first 5 contract years, an income payment option with a guaranteed period of at least 5 years is selected. Death Benefit - Greater of the accumulation value or minimum guaranteed cash surrender value. The does not apply to death proceeds. Spousal priviledges are available. s - Up to 10% of accum value free after the first year. (Additional withdrawals within the same contract year are subject to surrender and charges.) $500 minimum withdrawal required. Remaining accumulation value must be at least $2,000. Systematics available (commission chargeback and surrender charges may apply if taken in the first year). $100 minimum withdrawal is required. RMDs (Required Distributions) available. SEPPs (Substantially Equal Periodic Payments) - 72(t)(q) available. Confinement Waiver: Up to the accumulation value after the first contract year if owner is confined to a long-term care facility or hospital for 90 consecutive days or more after the contract is issued. No age limits. Terminal Illness Waiver: Up to the accumulation value after the first contract year if owner becomes terminally ill with less than 12 months to live. Illness must have been diagnosed after contract was issued. No age limits. 8 ears (10,9,8,7,6,5,4,2) 8 ears (CA & WA ONL) (9,8,7,6,5,4,3,2) 5.50% ages 2.50% ages (CA, WA, TX commission 0.75% less) AK, CT, DE, HI, MN, NJ, N, OK, OR, PA, UT 1 This rider provides guarantee income, confinement, terminal illness and death benefits. Call for details on (1)Lifetime s - Single or Joint Payout & Early Bonus, (2)Enhanced Lifetime Benefit (ADL Triggered), (3)Confinement Benefit, (4)Terminal Illness Benefit and (5) Death Benefit. * Caps on all EIA s = Annual Pt to Pt % Monthly Pt to Pt % Rider Charge: 1.4% of the rider s benefit base. This rate is guaranteed not to charge for the life of the contract. The cost is deducted annually from the annuity s accum Quarterly Pt to Pt % value. Rider Charge True Up: If the rider charges exceed interest credited, then a true-up amount will be credited every 5th year which is guaranteed for the life of the Monthly Average % contract. Termination: The rider charges may be terminated, upon written request, at any time. However, once terminated it cannot be reinstated. This product is not suitable for a client who plans on terminating the rider. Fixed Account % (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. 7

8 ATHENE ANNUIT & LIFE ASSURANCE COMPAN (ALA) EQUIT Choice - 10* Target Benefit - 5 NEW Target Benefit - 10 NEW Target Benefit - 10 Select NEW Target Benefit - 15 NEW S&P % Participation Rate. CAP-5.00%. Annual Point to Point Design. 0 Index Factor One ear Fixed Rate: 1.80% 1-yr quarterly pt to pt cap with DJIA 2.30% 1-yr monthly ave with DJIA cap 5.20% 2.15% pt to pt monthly CAP with a 0 Index Factor. Annual Reset Design. 100% Part. Rate w/s&p 500 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. $5,000 Additional s $500 minimum Annuity Rates Single Single $5,000 - $49,999 $50,000+ Bonus-Single n/a n/a 5-r No Cap PTP Index (Annual spread) n/a n/a 1-r No Cap PTP Index (Annual spread) 2.55% 2.55% 1-r PTP Multiple Index (Cap) 3.75% 3.75% 1-r PTP Index (Cap) 4.00% 4.00% 1-r Monthly Index (Cap) 1.75% 1.75% 1-r Monthly Avg Index (Cap) 4.00% 4.00% Fixed Strategy (1-year guarantee) 1.80% 1.80% Charge Duration 5 years 5 years Annuity Rates Single Single $5,000 - $49,999 $50,000+ Bonus-Single 5% 6% 5-r No Cap PTP Index (Annual spread) 2.80% 2.80% 1-r No Cap PTP Index (Annual spread) 3.10% 3.10% 1-r PTP Multiple Index (Cap) 3.50% 3.50% 1-r PTP Index (Cap) 3.50% 3.50% 1-r Monthly Index (Cap) 1.55% 1.55% 1-r Monthly Avg Index (Cap) 3.50% 3.50% Fixed Strategy (1-year guarantee) 1.70% 1.70% Charge Duration Annuity Rates Single Single $5,000 - $49,999 $50,000+ Bonus-Single n/a n/a 5-r No Cap PTP Index (Annual spread) 2.80% 2.80% 1-r No Cap PTP Index (Annual spread) 3.10% 3.10% 1-r PTP Multiple Index (Cap) 3.50% 3.50% 1-r PTP Index (Cap) 3.50% 3.50% 1-r Monthly Index (Cap) 1.55% 1.55% 1-r Monthly Avg Index (Cap) 3.50% 3.50% Fixed Strategy (1-year guarantee) 1.70% 1.70% Charge Duration Annuity Rates Single Single $5,000 - $49,999 $50,000+ Bonus-Single 8% 10% 5-r No Cap PTP Index (Annual spread) 1.50% 1.50% 1-r No Cap PTP Index (Annual spread) 1.60% 1.60% 1-r PTP Multiple Index (Cap) 5.00% 5.00% 1-r PTP Index (Cap) 5.00% 5.00% 1-r Monthly Index (Cap) 2.00% 2.00% 1-r Monthly Avg Index (Cap) 5.00% 5.00% Fixed Strategy (1-year guarantee) 2.00% 2.00% Charge Duration 15 years 15 years Annuitization options: Contract charges are not assessed when: after the first 12 months, an income for life is selected (commission chargeback may apply). After the first 5 contract years, an income payment option with a guaranteed period of at least 5 years is selected. Death Benefit - Greater of the accumulation value or minimum guaranteed cash surrender value. The does not apply to death proceeds. Spousal priviledges are available. s - Up to 10% of accum value free after the first year. (Additional withdrawals within the same contract year are subject to surrender and charges.) $500 minimum withdrawal required. Remaining accumulation value must be at least $2,000. Systematics available (commission chargeback and surrender charges may apply if taken in the first year). $100 minimum withdrawal is required. RMDs (Required Distributions) available. SEPPs (Substantially Equal Periodic Payments) - 72(t)(q) available. Confinement Waiver: Up to the accumulation value after the first contract year if owner is confined to a long-term care facility or hospital for 90 consecutive days or more after the contract is issued. No age limits. Terminal Illness Waiver: Up to the accumulation value after the first contract year if owner becomes terminally ill with less than 12 months to live. Illness must have been diagnosed after contract was issued. No age limits. $5,000 $5,000 $5,000 $5,000 Beginning in the 2nd contract year, a 10% free annual withdrawal is available each year throughout the withdrawal charge period. Free Annual s: RMDs and Lifetime Benefits can be taken without applicable, Bonus Vesting Adjustment or beginning in year 1.Waiver of withdrawals and s and Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. There are no charges upon death of the annuitant or owner. Death Benefit Floor Rate: 1% simple interest based upon remaining initial plus any applicable bonus. riders: None. Confinement Benefit: None. Free withdrawals: 1-0%, %, %. Beginning in the 2nd contract year, a 5% free annual withdrawal is available each year throughout the withdrawal charge period. Free Annual s: RMDs and Lifetime Benefits can be taken without applicable, Bonus Vesting Adjustment or beginning in year 1.Waiver of withdrawals and s and Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. There are no charges upon death of the annuitant or owner. Death Benefit Floor Rate: 1% simple interest based upon remaining initial plus any applicable bonus. riders: None. After 2nd contract year, the owner s income stream may be tripled, provided they have started receiving their Lifetime Benefit. Free withdrawals: 1-0%, %, %. Bonus Vesting Benefit Schedule: %, 7-20%, 8-40%, 9-60%, 10-80%, % Free Annual s: RMDs and Lifetime Benefits can be taken without applicable, Bonus Vesting Adjustment or beginning in year 1.Waiver of withdrawals and s and Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. There are no charges upon death of the annuitant or owner.death Benefit Floor Rate: 1% simple interest based upon remaining initial plus any applicable bonus. Optional TargetPay or TargetPay plus Benefit Riders. No Bonus on TargetBenefit 10 Select. Confinement Benefit: After the second contract year, the owner s income stream may be tripled, provided they have started their lifetime income benefit. eginning in the 2nd contract year, a 5% free annual withdrawal is available each year throughout the withdrawal charge period. Free Annual s: RMDs and Lifetime Benefits can be taken without applicable, Bonus Vesting Adjustment or beginning in year 1.Waiver of withdrawals and s and Bonus Vesting Adjustment are available in the event of terminal illness and/or confinement into a qualified care facility. There are no charges upon death of the annuitant or owner.death Benefit Floor Rate: 1% simple interest based upon remaining initial plus any applicable bonus. riders: None. After 2nd contract year, the owner s income stream may be tripled, provided they have started receiving their Lifetime Benefit. Free withdrawals: 1-0%, %, %. Bonus Vesting Benefit Schedule: %, 12-20%, 13-40%, 14-60%, 15-80%, % 10 ears (10,10,9.5,9,8,7,6,5,4,2) 10 ears (CA, TX & WA ONL) (9,9,8,7,6,5,4,3,2,1) 5 years (8.3,7.8,6.8,5.9, 4.9) (10,10,10,10,9,8, 7,6,5,4) 10 ears (10,10,10,10, 9,8,7,6,5,4) 10 ears (AK, CT, DE, MN, NJ, NV, OH, PA, SC, TX, UT & WA ONL) (9.2,8.7,7.8,6.8,5.9, ,3,2,1) 15 years (15,15,14,14,13, 13,12,11,10,9,8, 7,6,5,4) =es N 7.00% ages 4.00% ages ( 1.00% less CA, OH, WA, TX) 3.00% - yr 1 () 2.00% - yr 1 (76-83) 7.00% - r. 1 () 5.00% -r. 1 (76-78) 7.00% ages 5.00% ages % - yr 1 (0-73) States Not AK, CT, DE, HI, MN, NJ, N, OH, OR, OK, PA, UT WA, TX, PA, AK, OR, MN, N, NV, OH, CT, UT, SC, DE WA, TX, PA, AK, OR, MN, N, NV, OH, CT, UT, SC, DE Approved in: 0-55 AK, NJ, NV, PA, SC, TX 0-52 DE, MN, OH, UT ONL IN: AK, NJ, NV, PA, SC, TX, CT, WA, DE, MN, OH, UT WA, TX, PA, AK, OR, MN, N, NV, OH, CT, UT, SC, DE Approved in: 0-50 AK, NJ, NV, PA, SC, TX 0-64 DE, MN, OH, UT 8

9 ATHENE ANNUIT & LIFE ASSURANCE COMPAN (ALA) EQUIT =es States Not Preferred Bonus Index (4.00% - Bonus for 1 year) Product ( Age) Initial Initial $5,000 - $74,999 $75,000 and Above 1-r Point-to-Point Index 2.00% cap 2.50% cap 1-r Monthly Cap Index 1.00% cap 1.25% cap 1-r Average Index (no spread) 2.00% cap 2.50% cap Fixed Strategy (1-year guarantee) 1.00% 1.25% 1.00%-3.00% on $5,000 Q-NQ $1,000 Renewal 5% during 1st year,10% after 1st contract year Accum Value after yr consecutive days confinement. Accumulated Value after 1 yr. Up to 20% of Accumulated Value annually after yr 1. After yr. 1 subject to company rules. Optional lifetime Benefit with charge. During the withdrawal charge period, any withdrawals in excess of the contract s free withdrawal amt will incur a Bonus Recapture Charge in addition to withdrawal charges. (12,12,12,11,10,9, 8,7,6,4,0) 0-78 (IA 0-74) (FL 0-64) 7.00% - yr 1 () 5.00% - yr 1 (76-78) 3.50% yrs. 2-5 () 2.50% yrs. 2-5 (76-78) Comm Chargeback 100% months 1-6; 50% months AK, CT, DE, MN, NJ, N, OR, PA, UT, WA Preferred Bonus- S Index (2.00% Bonus) Product ( Age) Initial Initial $5,000 - $74,999 $75,000 and Above 1-r Point-to-Point S&P 500 Index 2.00% cap 2.00% cap 1-r Monthly Cap Index 1.00% cap 1.25% cap 1-r Average Index 2.00% cap 2.50% cap Fixed Strategy (1-year guarantee) 1.00% 1.00% 1.00%-3.00% on $5,000 Q-NQ $1,000 Renewal 5% during 1st year,10% after 1st contract year Accumulated Value after yr consecutive days confinement. Accumulated Value after 1 yr. Up to 20% of Accumulated Value annually after yr 1. After yr. 1 subject to company rules. Optional lifetime Benefit with charge. Bonus Recapture % (2.9,2.9,2.9,2.7,2.1,1.6,1.1,0.6) (9.2,8.5,7.3,6.6, 5.9,5.1,4.3,3.5, 2.7,1.2) 0-78 N 6.00% - r. 1 () 4.00% -r. 1 (76-78) 3.00% - rs. 2-5 () 2.00% rs. 2-5 (76-78) Comm Chargeback 100% months 1-6; 50% months DE, NJ, N, OR, PA Preferred -Ten Index Product ( Age) Initial Initial $5,000 - $74,999 $75,000 and Above 1.00%-3.00% on 1-r Point-to-Point S&P 500 Index 2.00% cap 2.50% cap 1-r Monthly Cap Index 1.00% cap 1.25% cap 1-r Average Index 2.00% cap 2.50% cap Fixed Strategy (1-year guarantee) 1.00% 1.10% $5,000 Q-NQ $1,000 Renewal 5% during 1st year,10% after 1st contract year Accumulated Value after yr consecutive days confinement. Accumulated Value after 1 yr. Up to 20% of Accumulated Value annually after yr 1. After yr. 1 subject to company rules. Optional lifetime Benefit with charge (9.6,9,8,7,6,5,4, 3,2,1) % - yr 1 () 3.50% yr 1 (76-78) 3.75% yrs 2-5 () 2.75% yrs 2-5 (76-78) Comm Chargeback 100% months 1-6; 50% months DE, NJ, N, OR, PA A PERFECT 10 (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. 10 ear with EquiTrust Life s Market Value EIA 6.50% Roll-up Rate for up to 15 years with 0.75% cost per year 4 Index Strategies & Fixed 2.50% Accumulation Value at Death 2-ear Monthly Average Cap at 20.00% Free s; 10% after First ear Monthly interest option Nursing Home Waiver Call us Today for More Details! Market Value EIA, is issued by EquiTrust Life Insurance Company. Subject to availability. Refer to brochure and contract for more details. FOR BROKER USE ONL. Not for public use. s maybe subject to surrender charges, market value adjustments, and/or federal income tax. A 10% federal income tax penalty may apply to withdrawals taken before age 59½. 9

10 EQUITRUST LIFE INSURANCE COMPAN (ETL) EQUIT MUST COMPLETE PRODUCT TRAINING BEFORE SUBMITTING BUSINESS TO EQUITRUST =es MarketTen Bonus Index (6.00% Bonus on s paid in the first 5 years. Immediately added to Accumulation Value) Annual Reset - Monthly Avg = 50% Part. Rate Index Margin - 0%. 10% min Fix Opt 1 yr % rate % Annual Reset Pt-to-Pt (S&P)-3.50% = 100% particip rate. 1.00% minimum Ann. Reset Daily Ave. Cap (S&P)- 4.00% =100% particip rate % minimum 1-yr monthly cap 1.60% annual reset design 1.00% minimum 2-yr monthly ave cap 8.00% 3.00% minimum $30,000 Q-NQ $2,000 Renewal Allocation: Initial Premiim: Min Allocation of 2K in each acct. Can select any combo of accts sub to the min requirements. Indicate initial allocation above the Owner s signature section of the Disclosure Form. The initial allocation must be completed to issue the contract. Must be whole percentages. Applicant may authorize to hold issue in the event of multiple s. Subsequent s: Auto added to the 1-yr interest acct at time of receipt. On each contract ann, auto reallocated between accts according to most recent allocation instructions. Return of Guarantee. This rider is auto included on all contracts at no charge, subject to state availability. Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr interest acct w/o Surr Charge or. withdrawals must be taken via EFT. After 1st contract yr, up to 10% of the accum value on the previous contract ann may be withdrawn each contract yr w/o Surr Charge or, either systematically or as a single withdrawal. Single s can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Transfers: May transfer accum value between accts on each contract anniversary. Min transfer amt is $2K. Min balance in an acct after a transfer is $2K if any balance remains. Transfers out of the 2 year average cap index account allowed only at the end of the two-year indexing period. Death Benefit: Upon death of owner, Accumulative Value. Annualization Benefit: On the income date, the accum value is applied to the payment opt elected. The income date is the latter of the first contract ann after the Annuitants 70th birthday or 25 yrs after issue. Nursing Home Waiver: for all issue ages. There is no charge for this rider. After the first contract year, requires nursing home confinement of Owner for 90 days. N/A in MA. Rider For Life Rider. (10,10,10,10 10,9,8,7,6,4) (OH ONL Eff 10/1/12) 10,10,10,10, 8,7,6,4,3,1) 6.00% year % years 2-5 on additional AK, CT, DE, MN, NV, N, OK, OR, TX UT, WA MarketValue Index Annual Reset - Monthly Avg = 75% Part. Rate No Cap Index Margin - 0%. 10% minimum Fix Opt 1 yr % Guarant inter rate % 2 yr monthly avg.100% part rate % cap 3.00% minimum Annual Reset Point-to-Point (S&P) % = 100% participation rate. 1.00% minimum Ann. Reset Daily Ave. Cap (S&P) % = 100% participation rate. 1.00% minimum 1-yr monthly cap 2.35% annual reset design, 1.00% minimum Annual Reset - Monthly Avg = 40% Part. Rate No cap Index Margin - 0%. 10% minimum 2.00% on $10,000 Q-NQ $2,000 Renewal 10% free withfrawals after year 1. Nursing home wavier. Monthly interest option. Death Benefit equals full accumulation value. Can annuitize after yr 5 for minimum 5 year or longer. Life rider not available in FL, IL, MN, N & WA. (12,12,12,12, 11,10,8,6,4,2) (AK, CT, MN, UT, WA & OH - Eff 10/1/12) 9,8,7,6.5,5.5,4. 5,3.5, 2.5,1.5,.5) (TX ONL) Eff 10/1/12 9,8,7,6.5,5.5, 4.5,3.5, 2.5,1.5, % year % years 2-5 on additional N Market Booster Index (7.00% Bonus is now credited over 24 months % applied to the at issue, w/2.00% and 1.00% applied to accum value on 1st & 2nd contract anniversaries. Subsequent s get 4.00% bonus for 5 years!) (Vested day - 1) Fix Opt 1 yr % rate % Annual Reset Point-to-Point (S&P) % = 100% participation rate. 1.00% minimum Annual Reset Daily Ave. Cap (S&P) %. = 100% participation rate. 1.00% minimum 1-yr monthly cap 1.40% annual reset design, 1.00% minimum Annual Reset - Monthly Avg = 45% Part. Rate No cap Index Margin - 0%. 10% minimum Fix Opt 1 yr % rate % Annual Reset Point-to-Point (S&P) % = 100% participation rate. 1.00% minimum 2.00% on $2,000-Q $10,000- NQ $2,000 Renewal 10% of accum. Nursing home wavier. Monthly interest option. Death Benefit equals full accumulation value. Can annuitize after yr 5 for minimum 5 year or longer. Life rider not available in FL, IL, MN, N & WA. 9 years (17.5,17.5,17.5, 17.5,17.5, 13,10,8,6) Annuitant 6.00% year % years 2-5 on additional AK, CT, DE, MN, NV, N, OH, OK, OR, TX, UT, WA Market 12 Bonus Index 12% Bonus creditied over 3 years. 6% bonus paid on all s. 2% accumulation value bonus added on the 1st 3 contract anniversaries.after 1st contact yr,) Annual Reset Daily Ave. Cap (S&P) %. = 100% participation rate. 1.00% minimum 1-yr monthly cap 1.50% annual reset design, 1.00% minimum 2 yr monthly avg cap 8.00% 3.00% minimum 2.00% on $30,000 Q-NQ $2,000 Renewal (year 1 Only) Death Benefit equals full accumulation value. up to 10% of accum value on the previous contract yr may be withdrawan each contract yr w/o surrender charge or, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Accumulation value may transfer between accounts on each contract anniversary. Min balance in an account after a transfer is $2,000 id any balance remains. By current company practice, the Accumulation Value is available for annualization after the 5th year if a minimum payout of or life is elected. for all issue ages. There is no charge for Nursing home waiver. After 1st contract yr, requires nursing home confinement of Owner for 90 days. Not available in MA. Rate hold - if initial is not received with the application but is received within 60 days, the contract will be credited with the higher of the credited rate/cap on the date of receipt of the application and the credited rate/cap for new issues on the date the is received. Life rider not available in FL, IL, MN, N & WA. 14 years (20,20,19,19, 18,17,16, 14,12,10, 8,6,4,2) Annuitant 8.50% year 1 (effective 10/1/12) AK, CT, DE, MN, NV, N, OH, OK, OR, TX, UT, WA MarketPower Bonus Index (10.00% Bonus - Vested Day -1) GREAT Annual Reset - Monthly Avg = 55% Part. Rate No cap Index Margin - 0%. 10% minimum Fix Opt 1 yr % rate % Annual Reset pt-to-pt (S&P) % cap = 100% participation rate. 1.00% minimum Ann. Reset Daily Ave. Cap (S&P) % cap = 100% participation rate. 1.00% minimum 1-yr monthly cap 1.75%, annual reset design 1.00% minimum 2 yr monthly average 10.00% cap 3.00% minimum 2.00% on $20,000 Q-NQ $2,000 Renewal r-1 Only 10% of accum. value after yr 1. Nursing home wavier. Monthly interest option. Death Benefit equals full accumulation value. Can annuitize after yr 5 for minimum 10 year or longer. Life rider not available in FL, IL, MN, N & WA. 14 years (20,20,19,19,18,17,16, 14,12,10,8,6,4,2,0) (AK & IL only - 10 yrs. 17,16,15,15,14, 13,12,11,10,9.5) (OH ONL) Eff 10/1/12 (17,15,14,12,10,9, 7,4,3,1) 8.50% years 1 (7.00% year 1 AK & IL) CT, DE, MN, NV, N, OK, OR, TX, UT, WA (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. *Chargebacks - All commissions will be reversed under the following circumstances: Upon death of owner or surrender during months 1-6: 100% all products excluding Confidence. Upon death of owner or surrender during months 7-15: 50% all products excluding Confidence. Any commission paid after the date of death will be reversed 100%* 10 ** for life not available in FL, IL, MN, N, WA

11 EQUITRUST LIFE INSURANCE COMPAN (ETL) EQUIT Builder Bonus Index (6.00% Bonus - Vested Day -1) Bonus on year 1 deposits only Ann Reset - Mon Avg = 50% Part. Rate Index Margin - 0%. 10% min Fix Opt 1 yr % rate % Annual Reset Pt-to-Pt (S&P)-3.50% = 100% particip rate. 1.00% minimum Ann. Reset Daily Ave. Cap (S&P)- 4.00% =100% particip rate % minimum 1-yr monthly cap 1.60% annual reset design 1.00% minimum 2-yr monthly ave cap 800% 3.00% minimum 2.00% on $30,000 Q-NQ Additions allowed anytime. $2,000 renewal AMERICAN NATIONAL INSURANCE COMPAN (ANL) MUST COMPLETE PRODUCT TRAINING BEFORE SUBMITTING BUSINESS TO EQUITRUST Return of Guarantee. This rider is auto included on all contracts at no charge, subject to state availability. Free withdrawals: systematic withdrawals of interest are allowed in the 1st yr from the 1-yr interest acct w/o Surr Charge or. withdrawals must be taken via EFT. After 1st contract yr, up to 10% of the accum value on the previous contract ann may be withdrawn each contract yr w/o Surr Charge or, either systematically or as a single withdrawal. Single s can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT. Transfers: May transfer accum value between accts on each contract anniversary. Min transfer amt is $2K. Min balance in an acct after a transfer is $2K if any balance remains. Transfers out of the 2 year average cap index account allowed only at the end of the two-year indexing period. Death Benefit: Upon death of owner, Accumulative Value. Annualization Benefit: The accumulation value is available for annuitization after the first year if a minimum payout of or life is elected. Nursing Home Waiver: for all issue ages. There is no charge for this rider. After the first contract year, requires nursing home confinement of Owner for 90 days. N/A in MA. Rider For Life Rider. 9 years (9,8,7,6.5,5.5, 4.5,3.5, 2.5,1.5) =es 6.00% year 1 ONL in these States!!! CT, DE, MN, NV, OK, OR, TX, UT, WA EQUIT =es States Not American National Value-Lock EIA - 10 S&P % Part rate. No CAP, No Fees, Point-to-point design with monthly average for the 10 year term and a 1 time lock-in feature 2.00% Bonus 1.00% to 90% of $5,000 After 1st contracted yr., 10% of Annuity Value at begin. of contract yr. Full account value payable at death of owner. Confinement waiver & disability waiver will apply after yr. 1 & after 60 days of confinement or disability 10 ears (12,12,11,10,9,8,7, 6,5,3) (CT, IL, PA, UT & WA 9,9,8,7,6,5 4,3,2,1) 7.00% 5.50% MA, MN, NJ, N, ND, OR, VT American National Strategy Plus % Bonus 10-ear 7-ear 1-r Performance Method 3.50% 3.50% 1-r Point-to-Point Method 100% Participation Cap 4.00% 4.00% 3-r Point-to-Point Method 100% Participation Cap 16.00% 16.00% 50% Participation Cap 27.00% 27.00% 5-r Point-to-Point Method 1.00% to Free 10% withdrawal after year 1. Confinement waiver: charges may be waived when the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 60 or more days. This special waiver of surrender charge is available to you beginning 90 days after issue. Disability waiver: Prior to age 65, surrender charges may be waived when the contract owner is physically disabled, or diagnosed with a disabling terminal illness. This special waiver of surrender charge is available to you after issue. Terminal Illness Waiver: charges may be waived when the contract owner is diagnosed with an injury or illness expected to result in death within 12 months. This special waiver of surrender charges is available to you after issue. Death Benefit: At the death of the owner, the greater of the Annuity Value or the Value will be paid. 10 ears (9,9,8,7,6,5,4,3,2,1) American National $10,000 Strategy Plus % Participation Cap 30.00% 30.00% 1.00% Bonus 7 ears American Legend III Annuity 75% Participation Cap 38.00% 38.00% 50% Participation Cap 50.00% 50.00% Fixed Account 2.25% 2.25% 1-r Monthly Sum 2.00% 2.00% GREAT AMERICAN LIFE INSURANCE COMPAN (GAA) for page 10 Rate by Trail Option r Qual Non-Qual NT Mod3 Trail Avail Level AV % 3.25% 1.00% % 2.50% 1.00% % 1.00% 1.00% % 2.25% % 1.50% % 1.00% % 1.25% % 1.00% % 0.50% n/a % 0.34% % 0.50% % 0.34% % 0.50% % 0.34% % 0.17% n/a n/a American Valor 10 Annuity Rate by Trail Option r Qual Non-Qual NT Mod 3 Trail AV Level AV % 3.75% 1.15% % 2.50% 1.15% % 1.25% 1.15% % 2.75% % 1.50% % 1.75% % 1.00% % 1.00% % n/a 0.50% % 1.00% % 0.75% n/a % 0.34% % 0.75% % 0.34% % 0.17% n/a 0.50% n/a 0.50% 1.15% American Safe Return Annuity Rate by Trail Option r Qual Non-Qual NT Mod 3 Trail AV Level AV % 4.75% 4.75% 1.25% % 3.75% 4.00% 1.25% % 1.25% 1.25% 1.25% n/a 0.50% n/a % 0.50% 1.25 n/a % 0.50% 1.25% n/a 0.50% 1.25% (7,6,5,4,3,2,1) (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. (No in AK,FL, MO,WA) (No in FL,WA) 7.00% 5.50% % 4.00% American Safe Outlook Annuity IL, IA, MD, MA, NJ, N, OR, PA IL, MD, MA, NJ, N, OR, PA Rate by Trail Option r Qual Non-Qual NT Mod 3 Trail AV Level AV % 2.00% 2.50% % 1.50% 2.00% % 0.50% 0.75% n/a 0.40% n/a % 0.40% n/a % 0.40% n/a 0.40% 11

12 GREAT AMERICAN LIFE INSURANCE COMPAN (GAA) EQUIT =es American Legend III Annuity S&P % Participation Rate. CAP-5.00%. Annual Point to Point Design. 0 Index Factor One ear Fixed Rate: 1.75% Monthly avg./annual reset, 7.75% cap 18 Month Reset Design. 100% Part. Rate & 0 Index Factor 2.25% monthly CAP with a 0 Index Factor. Monthly Avg/Annual Reset Design. 100% Part. Rate 1 ear Gold Annual Pt-to-Pt 5.50% Cap $10,000 Additional Deposits $2,000 - Q During the 1st contract yr, you may withdraw up to 10% of the Purchase Payment. After the first contract year, you may withdraw annually up to 10% of annuity s Account Value (based on prior Contract Anniversary), without incurring early withdrawal changes. ($500 min; Account Value must exceed $5,000) Full Account Value at Death. **See below! Extended care waiver rider: After the first contract year, if you are confined to a nursing home or long-term care facility for at least 90 consecutive days, early withdrawal charges will be waived on withdrawals up to a full surrender. There is no additional charge for this rider. Terminal illness waiver rider: After the first contract year, if you are diagnosed by a physican as having a terminal illness (prognosis of survival is 12 months or less, or a longer period as required by state law), you have the option to withdraw up to the account value without incurring an early withdrawal charge. There is no additional charge for this rider. 7 ears <ages 58-85> (9,8,7,6,5,4,3) Q 0-85-NQ N See previous page MS, NJ, N, VT American Safe Return Annuity HOT American Safe Outlook Annuity American Valor 10 Annuity (Purchase payments received in the first 3 contract years will be increased by a bonus of 4.00%) GREAT S&P % Participation Rate. CAP-4.25%. Annual Point to Point Design. 0 Index Factor, Bail-out Cap 3.75% One ear Fixed Rate: 1.00% Monthly avg./annual reset, 4.50% cap Annual Reset Design. 100% Part. Rate & 0 Index Factor Bail-out Cap 4.00% Under $100,000 on ALL S&P % Participation Rate. CAP-4.25%. Annual Point to Point Design. 0 Index Factor, Bail-out Cap 3.75% One ear Fixed Rate: 1.70% Monthly avg./annual reset, 4.50% cap Annual Reset Design. 100% Part. Rate & 0 Index Factor Bail-out Cap 4.00% Over $100,000 on ALL S&P % participation rate One ear Fixed Rate: % monthly average/annual reset with 5.00% cap & Bail-out Cap 4.50% Annual Point to Point/Annual Reset with 4.75% Cap & Bail-out Cap 4.25% One ear Fixed Rate: 1.00% 4.50% CAP with a 0 Index Factor. Monthly Avg/Annual Reset Design. 100% Participation rate 0 Index Factor & annual point-to-point 100% Participation rate, 4.00% Cap 90% of $25,000 $10,000 (Subsequent allowed first two months of contract ONL) $10,000 Additional Deposits $2,000 - Q $5,000 - NQ During the 1st contract yr, you may withdraw up to 10% of the Purchase Payment. After the first contract year, you may withdraw annually up to 10% of annuity s Account Value (based on prior Contract Anniversary), without incurring early withdrawal changes. ($500 min; Account Value must exceed $5,000) Full Account Value at Death. L-T-C rider & Terminal illness rider. Annuitization for account value -used for income payout periods of of life at any time during 10-yr period. ESP program - Fixed dollar, life distributions, RMDs, 72(t) and 72(t) and 72 (q) available. Return of guarantee is available at no charge.**see below! Extended Care & Teminal illness - 100% acct value when criteria met. Sustainer - withdrawal benefit (optional). Bailout cap - on index strategies, early withdrawal charges waived if cap for an indexed strategy ever falls below its bailout cap. Waiver of early withdrawal charges - in the event a cap for an indexed strategy falls below its bailout cap (for withdrawals from that indexed strategy) During the 1st contract yr, 10% of purchase payments. After 1st contract ann, 10% of acct value as of the most recent contract ann. Death benefit - Greater of acct value or GMSV. Annuitization for acct value - greater of acct value or GMSV used for all annuitizations. Sustainer Rider optional. Call for details.there are no up front sales charges or fees. Free allowance.**see below! Riders & Waivers: Extended Care - 100% account value when criteria met. Terminal Illness - 100% account value when criteria met. Sustainer - withdrawal benefit (optional). Sustainer Plus - withdrawal and death benefit (optional). Early withdrawal charges - 10-year declining early withdrawal charges starting at 10%. Waiver of early withdrawal - During first contract year, 10% of purchase payments. After first contract anniversary, 10% of the sum of the account value as of the most recent contract anniversary and any purchase payments received since. Annuitization for account value - Account value used for income payout periods of seven years or life, or under the income for a fixed period, not to exceed life expectancy option. Death benefit - greater of the account value or GMSV. **See below! 10 ears (10,9,8,7,6,5,4,3,2,1) (For Agent Use Only) Not intended for soliciting annuity sales from the public. 12 Rates and s subject to change. Check for current state approvals. 6 ears (9,7,8,6,5,4) 10 rs (10,9,8,7,6,5,4,3,2,1) Q 0-85-NQ Q 0-85-NQ Q 0-85-NQ N N N See previous page See previous page See previous page Inheritance Enhancer DEATH BENEFIT RIDER age Rollup Rollup period Death Benefit payout options Fee % simple interest Lump sum or annuitzation 0.85% of death benefit base, deducted from account value. Refund or rider charges available in first 5 years. Rider charges refunded if the insured dies during the first five years or the non-insured joint owner dies at any time. N N N

13 GENWORTH FINANCIAL (GWL) EQUIT SecureLiving Index - 5 (Different rates for use in AK, MN, MO, OR, PA & WA - Call for details!!) NEW SecureLiving Index - 7 (Different rates for use in AK, MN, MO, OR, PA & WA - Call for details!!) SecureLiving Index - 10 Plus 4.00% Bonus (1.00% Bonus in WA, OR, AK, PA, MN, MO ONL!) (Different rates for use in AK, MN, MO, OR, PA & WA - Call for details!!) Index Strategies $25,000- $100,000- $250,000 Renewal $99,999 $249,999 or more ears 1-7 ears 8+ CapMax SM (yr 1) 3.00% 3.50% 3.70% 0.50% 0.50% CapMax Multiplier (yr 2) 3.00% 3.00% 3.00% 1.50% 1.50% Monthly Cap Strategy (yr 1) 1.35% 1.55% 1.65% 0.50% 0.25% Annual Cap Strategy (yr 1) 3.00% 3.50% 3.70% 0.50% 0.50% Performance Trigger Strategy (yr 1) 2.30% 2.80% 3.00% 0.50% 0.50% Bailout Cap Annual Cap Strategy 2.30% 2.80% 3.00% Following initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout cap then surrender charges and market value adjustment will not apply to amounts withdrawn from your contract during the bailout window. Fixed Rate Strategies 10 ear Fixed Strategy 1.10% 1.35% 1.45% 0.50% 0.50% 1 ear Fixed Strategy 1.00% 1.25% 1.35% 0.50% 0.50% Index Strategies $25,000- $50,000- $100,000- $250,000 Renewal $49,999 $99,999 $249,999 or more ears 1-5 ears 6+ CapMax SM (yr 1) 2.50% 3.25% 3.75% 3.95% 0.50% 0.50% CapMax Multiplier (yr 2) 3.00% 3.00% 3.00% 3.00% 1.50% 1.50% Monthly Cap (yr 1) 1.00% 1.40% 1.60% 1.70% 0.50% 0.25% Annual Cap (yr 1) 2.50% 3.25% 3.75% 3.95% 0.50% 0.50% Perform Trigger (yr 1) 1.95% 2.60% 3.00% 3.20% 0.50% 0.50% Bailout Cap Annual Cap Strategy 1.80% 2.55% 3.05% 3.25% Following initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout cap then surrender charges and market value adjustment will not apply to amounts withdrawn from your contract during the bailout window. Fixed Rate Strategies 5 ear Fixed Strategy 1.00% 1.15% 1.40% 1.50% 0.50% 0.50% 1 ear Fixed Strategy 1.00% 1.05% 1.10% 1.15% 0.50% 0.50% Index Strategies $25,000- $100,000- $250,000 Renewal $99,999 $249,999 or more ears 1-7 ears 8+ CapMax SM (yr 1) 4.30% 4.80% 5.00% 0.50% 0.50% CapMax Multiplier (yr 2) 3.00% 3.00% 3.00% 1.50% 1.50% Monthly Cap Strategy (yr 1) 1.60% 1.80% 1.90% 0.50% 0.25% Annual Cap Strategy (yr 1) 4.30% 4.80% 5.00% 0.50% 0.50% Performance Trigger Strategy (yr 1) 3.35% 3.85% 4.05% 0.50% 0.50% Bailout Cap Annual Cap Strategy 3.60% 4.10% 4.30% Following initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the above bailout cap then surrender charges and market value adjustment will not apply to amounts withdrawn from your contract during the bailout window. Fixed Rate Strategies 7 ear Fixed Strategy 1.60% 1.85% 1.95% 0.50% 0.50% 1 ear Fixed Strategy 1.00% 1.25% 1.35% 0.50% 0.50% (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. Call for details! MUST COMPLETE CHECKLIST BEFORE SUBMITTING BUSINESS TO GENWORTH $25,000 $25,000 $25,000 Credit: our contract is guaranteed to grow even if there is an extended down market. our contract value is guaranteed to be at least 104% of your less adjustments for withdrawals at the end of the surrender charge period. If it is less than that amount a one time credit will be made to your contract value. After the first year, you can take up to 10% of your contract value - free of surrender charge and market value adjustment () - every year. No up front fees or sales charges. Death Benefit: Contract value. Bailout Provision: The bailout provision is an extra measure of secuirty. It ensures that you have penalty free access to your entire account value if the cap rate on the annual cap strategy is ever renewed below the bailout cap rate. For all withdrawals, your contract value must remain at least $10,000 after the withdrawal. SecureLiving Index 5 contains a bailout provision. Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the bailout annual cap, then surrender charges, and market value adjustment will not apply to amounts withdrawn from the contract during the bailout withdrawal window for that year. The bailout annual cap and the bailout withdrawal window are specified in the contract. Innovative Bailout Feature - If the cap on the annual cap strategy is lower than the bailout rate, clients may withdraw all the money in the contract - not just the money allocated to the annual cap strategy. Clients are not required to have money allocated to the annual cap strategy to take advantage of this bailout feature. After the 1st yr, you can take up to 10% of contract value - free of surr charge and - every year. lifetime retirement withdrawals available with optional income protection rider - for an additional charge. ou have access to predictable withdrawals guaranteed for life. Waiver for Confinement to a Medical Care Facility - After the 1st yr, if you must spend 30 consecutive days or more in a medical care facility, the free withdrawal amount for your contract increases from 10% to 20% of the contract value each contract year. Amounts withdrawn in excess of the 20% are subject to a surr charge, and of loss of unvested enhancement. Additional restrictions apply. This waiver is available in most but not all states. Bailout Provision - Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the bailout annual cap, then surr charges, loss of unvested portion of enhancement and will not apply to amounts withdrawn from the contract during the bailout withdrawal window for that year. The bailout annual cap and the bailout withdrawal window are specified in the contract. Death Benefit - After the 1st yr, the death benefit is the greater of contract value less any applicable rider charges or the minimum guaranteed surrender value. Innovative Bailout Feature - If the cap on the annual cap strategy is lower than the bailout rate, clients may withdraw all the money in the contract - not just the money allocated to the annual cap strategy. Clients are not required to have money allocated to the annual cap strategy to take advantage of this bailout feature. After the 1st yr, you can take up to 10% of contract value - free of surr charge and - every year. lifetime retirement withdrawals available with optional income protection rider - for an additional charge. ou have access to predictable withdrawals guaranteed for life. Waiver for Confinement to a Medical Care Facility - After the 1st yr, if you must spend 30 consecutive days or more in a medical care facility, the free withdrawal amount for your contract increases from 10% to 20% of the contract value each contract year. Amounts withdrawn in excess of the 20% are subject to a surr charge, and of loss of unvested enhancement. Additional restrictions apply. This waiver is available in most but not all states. Bailout Provision - Following the initial guarantee period, if the renewal annual cap for the annual cap strategy is less than the bailout annual cap, then surr charges, loss of unvested portion of enhancement and will not apply to amounts withdrawn from the contract during the bailout withdrawal window for that year. The bailout annual cap and the bailout withdrawal window are specified in the contract. Death Benefit - After the 1st yr, the death benefit is the greater of contract value less any applicable rider charges or the minimum guaranteed surrender value.* 5 years 9,9,8,7,6 7 years 9,9,8,7,6,5,4 10,10,10,10, 9,8,7,6,5,4 (In CA, FL, MA, MD, MT, NH, NJ, NV, OH, OK, SC, TX, UT, VA) 9,9,8,7,6,5, 4,3,2, ( in OK) 0-85 =es 3.00% ages 2.00% ages % ages % ages 3.00% ages % ages % ages 5.00% ages Special Notice about income rider: If income withdrawals have not started after the roll-up period, the benefit base will continue to increase by the same amount of interest credited to the contract. States Not DE, N DE, N CT, DE, NV, NJ, N 13

14 LINCOLN FINANCIAL GROUP (LFA) EQUIT =es Lincoln EIA New Directions - 6 Under $100, % for 6 years - fixed account 2.25% performance triggered specificed rate 5.25% 2 year Pt-to-Pt cap Over $100, % for 6 years - fixed acct 2.50% performance triggered specificed rate 6.00% 2 year Pt-to-pt cap 1.00% $10,000 Annuitization allowed after 2. Contracts issued on 1st, 8th, 15th & 22nd. 10% free withdrawals even in yr 1. Fixed account: Amounts can be allocated into or out of the Fixed Account during the 25-day reallocation period, after each contract anniversary date. Indexed accounts: At the end of the indexed term, amounts can be allocated into or out of the available indexed accounts during the 25-day reallocation period, after the contract ann date. The reallocation will be effective as of the contract anniversary date. The amt of the contract value available for reallocation on a contract anniversay equals: The fixed acct value + the sum of the indexed acct values for those indexed accts with indexed terms ending on the contract anniversary. 6 ears (9,8,7,6,4.75,3.5) % ages year % ages year % ages year 1 N Lincoln EIA New Directions - 8 Under $100, % for 8 years - fixed account 2.50% performance triggered specificed rate 6.00% 2 year Pt-to-Pt cap Over $100, % for 8 years - fixed acct 2.85% performance triggered specificed rate 6.90% 2 year Pt-to-pt cap 1.00% $10,000 Nursing home and terminal illness benefits: allows access to contract value w/o surr charge or if certain conditions are met. Please see the Disclosure statement for necessary criteria and conditions. Subject to state availability. Beginning in the first contract year without incurring charges. Death benefit: upon death of a contractowner, beneficiaries may receive the greater of the contract value or single paid minus any prior surrs and surr charges, accum at the guaranteed min fixed interest rate. Acct guarantees: min fixed interest rate is set at issue and varies by contract year: Contract years 1-6 = 1.75%, Contract years 7+ = Between 1.00% and 3.00%. Performance triggered Indexed Acct: min specificed rate: 2.50%. 2-ear Point-to-Point Indexed Acct: minimum indexed interest cap: 7.00% 8 ears (9,8,7,6,4.75,3.5,2,.75) % ages year % ages year % ages year 1 N Lincoln EIA Opti-Point - 8 (2.00% Bonus in yrs 1-3 under $100, % Bonus in yrs 1-3 over $100,000) Under $100,000 One ear Fixed Rate: 3.00% with Bonus S&P % Particip Rate. CAP-5.00%. 2-ear Annual Point to Point Design. 1.80% 2yr monthly CAP 0 Index Factor Perform Trigg EIA acct: 1.70% Over $100,000 Fixed Acct: 4.00% w/bonus Perf Triggered rate: 1.70% 2-yr Pt to Pt Cap: 5.00% 2-yr Monthly Cap: 1.80% 1.00% $10,000-Q $10,000-NQ Additional Deposits $50 Month (Limit $25,000 per year) Annuitization allowed after 5th yr. Contracts issued on 1st, 8th, 15th & 22nd. 10% free withdrawals even in yr 1. Fixed account: Amounts can be allocated into or out of the Fixed Account during the 25-day reallocation period, after each contract anniversary date. Indexed accounts: At the end of the indexed term, amounts can be allocated into or out of the available indexed accounts during the 25-day reallocation period, after the contract ann date. The reallocation will be effective as of the contract anniversary date. The amt of the contract value available for reallocation on a contract anniversay equals: The fixed acct value + the sum of the indexed acct values for those indexed accts with indexed terms ending on the contract anniversary. 8 ears (9,8,7,6,5,4,3,2) % ages 0-74 year % ages year % ages year % age 85 year 1 MN, N, OR, UT Lincoln EIA Opti-Point - 10 (3.00% Bonus in yrs 1-4 under $100, % Bonus in yrs 1-4 over $100,000) Under $100,000 One ear Fixed Rate: 4.05% with Bonus Perform Trigg EIA acct: 1.80% CAP-5.00%. 2-ear Annual Point to Point Design. 1.85% 2yr monthly CAP Over $100,000 Fixed Acct: 5.05% with bonus Perf Triggered rate:1.80% 2-yr Pt to Pt Cap: 5.00% 2-yr Monthly Cap: 1.85% 1.00% $10,000-Q $10,000-NQ Additional Deposits $50 Month (Limit $25,000 per year) Nursing home and terminal illness benefits: allows access to contract value w/o surr charge or if certain conditions are met. Please see the Disclosure statement for necessary criteria and conditions. Subject to state availability. Beginning in the first contract year without incurring charges. Death benefit: upon death of a contractowner, beneficiaries may receive the greater of the contract value or single paid minus any prior surrs and surr charges, accum at the guaranteed min fixed interest rate. Acct guarantees: min fixed interest rate is set at issue for the surr charge period and varies annually there after ranging between 1.00% and 3.00%. Performance triggered Indexed Acct: min specificed rate: 2.50%. 2-ear Point-to-Point Indexed Acct: minimum indexed interest cap: 7.00%. 2-year Monthly cap Indexed acct: min monthly indexed cap: 1.00% 10 ears (10,9,8,7,6,5,4,3,2,1) 6.00% ages 0-74 year % ages year % ages year 1 AK, MN, N, OR, UT (For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and s subject to change. Check for current state approvals. 14

15 NORTH AMERICAN COMPAN FOR LIFE AND HEALTH INSURANCE FIXED INDEX ANNUITIES 1 North American Ten sm (Index Cap Product & Annual Reset Design) 6.00% Bonus on all deposits for 5 years. Index Cap Rate Product Features 10 ear MA APP MPP# S&P % 2.80% 1.45% DJIA SM 3.00% 2.55% N/A S&P Midcap % 2.30% N/A Russell % 2.30% N/A NASDAQ-100 N/A 2.45% 1.20% EURO STOXX N/A 2.75% N/A Hindsight Index Strat N/A 2.05% N/A Fixed Account 1.35% Bonus 6.00% ield w/bonus % Value s less 1.00% $2,000-Q $10,000- NQ $1000 w/ EFT $100/ month-q $5000 w/ EFT $420/ month-nq SAGICOR LIFE INSURANCE COMPAN (Sagicor) EQUIT Sage Advantage Fixed Indexed 5.00% Immediate Bonus on Initial Declared Rate Strategy Rate 2.00% (1.50% minimum) Index Strategy 1 S&P 500 Index Cap 4.00% (4.00% minimum) Global Advantage Strategy 3 Particip Rate 20.00% (20% minimum) (Global Advantage Strategy - Global Advantage Indexed 1-year term with Participation Rate, Cap is 4%, Participation Rate is 20%. 3 Indexed used: Russell 2000 Index, EURO STOXX 50 Index Hang Seng Index) The indexed interest rate is calculated using 60% of the return of the best performing index, plus 40% of the return of the second best performing index, and is subject to the appropriate Participation rate and cap. The worst performing index is not used when determining the indexed interest rate. The indexed strategies guarantee the credited rate will never be less than 0% (Applies only to surrender value or death benefit: Min Rate ears 1-13: 2.00% Min Guarantee interest Rate ears 13+: 3.00% Single Purchase Payment $2,000 (no inherited IRA s) 2.00% See page 19 for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 08/26/14. Rates and commissions are subject to change. Check for current state approvals. DK1360-A7394 / Contract Features Penalty-Free Partial s: Once per yr after the 1st contract anniversary, you may withdraw, w/o surrender charges or Adjustment, up to 10% of your Accumulation Value. Annuitization Benefit: By current Company practice, proceeds may be converted to an annuity pay-out option after yr 1. payments will be based on the Accumulation Value if a Life, Life and Certain or Joint Life option is selected, or if the annuity has been in force for at least 5 yrs and payments are received over at least a 5 yr period. Required Min Distributions: By current Company practice, required min distributions that exceed the available penalty-free partial surrender amount may be withdrawn without a surrender change or Adjustment. Nursing Home Conefinement Waiver: We will increase the penaltyfree partial surrender amount by 10% of the contract s Accumulation Value each year while the annuitant is confined to qualified nursing home facility. This benefit begins after the 1st contract anniversary and the annuitant must be confined for a period of at least 90 consective days. This feature is automatically included with your annuity at no additional cost and is available for issue ages 75 and younger. Allocation dates - There are 4 allocation dates each month, the 1st, 8th, 15th and 22nd. The index value will be based upon the closing value of the index on the allocation date or if the allocation date is not a business day, then on the last business day. Transfers - are permitted from the declared rate strategy at the end of the 1 yr term. Transfers are permitted from the indexed strategy 1, S&P 500 Index, stand alone with a cap, at the end of the 1 yr term period. Transfers are permitted from index strategy 2, basket index with participation rate at the end of the 3 yr term period. Acct Value - This value will not be less than the paid, plus interest at the Annualized Rate, adjusted by s. After the 1st yr, the Owner may withdraw up to 10% of the acct value w/o surr charge. If the Owner withdraws a Required Distribution (applicable to qualified Contracts) and the distribution exceeds the remaining penalty free withdrawal amount, the applicable Charge will apply to the excess amount. Any portion of the 10% not used in the current contract yr will be carried over to the next contract year. Carry over amts will accumulate until the amt available for penalty free withdrawal reaches a maximum of 50% of the acct value. Once the penalty free percentage reaches 50% it will remain there until a withdrawal is taken. In any year in which the penalty free percentage reaches 50%. Free GMWB: Owner may withdraw each year up to 10% of the Single less the sum of s that have occurred within the first twelve Contract ears, starting in the 13th year for up to 20 years, (providing the owner has not withdrawn, in years 1 through 12, cumulatively, amounts equal to or in excess of the Single ) regardless of actual interest credited to the Contract. The GMBW is also cumulative. 9 ears (8,8,8,8 7,6,5,3,1) 6 (18,16,14,12 11,10,8,6,4,2) (IN 0-78) 15 days to age 85-NQ 15 days to age 85-Q =es 5.50% yr % yrs 2&3 (1.00% lower comm in MO & VA) ( comm reduced by 25%) AK, AL, CT, DE, MN, NV, N, OH, OR, TX, UT, WA N 4.50% (ages ) 2.50% (ages 76-85) States Not AK, CT, ME, MT, NH, N, SD, VT Before sending business to Sagicor: Every agent in all states must have it confirmed that the appointment process has been completed and product training has been successfully completed. Due to unprecedented volume, Sagicor Life Insurance Company will be limiting the amounts for all Sagicor deferred annuities to $200,000 or less per owner until further notice. This includes: Sage Advantage FIA & Sage Choice SPDA. The previous maximum amount of $500,000 will be honored on applications dated on, or before, August 2, 2013 and received in good order by 5:00pm MST Monday, August 5,

16 NORTH AMERICAN COMPAN FOR LIFE AND HEALTH INSURANCE FIXED INDEX Participation Rate Products ANNUITIES 5 1 Value 6 2 North American Precision Series SM Index Account Fixed Account 10 year option = (5.00% Prem Bonus on Prem in First 7 contract rs.) Special Offer! normally 3% bonus 1.00% Annuitization bonus paid after 10 yrs 14 year option = (8.00% Prem Bonus on Prem in First 7 contract rs.) (2.00% Annuitization bonus paid after 14 yrs) Participation Rates 10 ear (5.00% Bonus) 14 ear (8.00% Bonus) Daily Avg Pt-to-Pt Daily Avg Pt-to-Pt S&P % 30% 45% 30% DJIA SM 45% 30% 45% 30% S&P Midcap % 20% 35% 20% Russell % 20% 30% 20% NASDAQ-100 N/A 25% N/A 25% EURO STOXX N/A 35% N/A 30% Hindsight Index Strat N/A 20% N/A 20% Annual Cap N/A 3.50% N/A 4.25% Annual Cap (S&P 500) N/A 3.50% N/A 4.25% ield w/ Bonus % 9.45% Fixed Account 1.30% 1.35% s less 1.10% $2,000-Q ($50/mo. TSA) $10,000- NQ $1000 w/ EFT $100/ month-q 10 ears (15,14,13,12, 11,10,8,6,4,2) 14 ears (18,18,17,15, 15,15, 15,14,12,10,8, 6,4,2) 7 ears ears 0-79 (in TX only ages 0-55 NV 0-53) 14 ears (in TX only ages 0-51 NV 0-48 CA year es 10-ear 6.50% year % yrs 2&3 14-ear 7.00% year % yrs % yrs 6-10 reduced by 25% on issue ages & 50% on ages Reduced by 1.00% in MN, UT & VA Reduced comm in TX. Check your comm schedule AL, AK, CT, DE, MN, N, OH, OR, UT, WA (CA Call for details) PRECISION SERIES SM A Fixed Index Annuity from North American It takes precision to plan for retirement. Seven Index Options from which to choose including a Bond and an International Index Full Accumulation Value at Death Earn 7.50% * the 1st ear Initial of $10,000 or more Optional Lifetime withdrawal benefit (GLWB) with up to 6.75% bonus credit North American Company for Life and Health Insurance Since 1886 Choose from TWO Charge Options 10-ear 14-ear 5.00% 8.00% Bonus 1 Bonus 1 FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. *s may vary according to the age of the client at issue and the issue state. See your current commission schedule for further details. 1 The increased bonus will be 10.00% for eligible 14-year products and 5.00% for eligible 10-year products. New Business applications for the Bonus Blast must be received in the Home Office between and The Initial of $50,000 per application is required to receive the increased bonus. Policies funded with multiple sources of must be issued with $10,000 to qualify. The increased bonus for the Precision SM will apply to all s received in the first 7 years. The North American Bonus Blast may be modified or discontinued at any time without notice. All decisions are at the sole discretion of North American Company and all decisions are final. No exceptions will be made. The North American Precision SM Product is issued on form LC/LS155A or appropriate stat varation by North American Company for LIfe and Health Insurance. Wes Des Moines, Iowa. This product it s features and riders may not be available in all states. /Contract Features Clients may transfer between Fixed & Index account options or crediting methods within Index account annually. ou have 30 days each contract anniversary to reallocate. Transfers not allowed until 1st contract yr. The ability to transfer annually for the 30 days is also by current company practice.annuitization Benefit: By current Company practice, proceeds may be converted to an annuity payment option after yr 1. payments will be based on the Accumulation Value if a Life, Life & Certain or Joint Life option is selected. Full acct value at death.10% of Accum Value each year after yr. 1 The penalty-free withdrawal will increase by 10% of the Accumulation Value. Death benefit accum value goes to beneficiary upon death. Receive lump sum or a series of payments. See page 19 for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 08/26/14. Rates and commissions are subject to change. Check for current state approvals. DK1360-A

17 NORTH AMERICAN COMPAN FOR LIFE AND HEALTH INSURANCE FIXED INDEX ANNUITIES 1 North American Charter Series sm Index Account Fixed Account 10 year option = (5.00% Prem Bonus on Prem in First 7 contract rs.) 1.00% Annuitization bonus paid after 10 yrs 14 year option = (8.00% Prem Bonus on Prem in First 7 contract rs.) (2.00% Annuitization bonus paid after 14 yrs) Index cap rate only product Index Cap Rate Product Cap Rates 10 ear (5.00% Bonus) 14 ear (8.00% Bonus) Daily Avg Pt-to-Pt Daily Avg Pt-to-Pt S&P % 2.15% 3.10% 2.65% DJIA SM 2.75% 2.00% 2.90% 2.50% S&P Midcap % 2.00% 2.50% 2.25% Russell % 2.00% 2.50% 2.30% NASDAQ-100 N/A 2.00% N/A 2.50% EURO STOXX 50 N/A 2.05% N/A 2.75% Hindsight Index Strat N/A 2.00% N/A 2.00% S&P 500 mo pt-to-pt 1.40% 1.45% ield w/ Bonus % 9.45% Fixed Account 1.30% 1.35% HELP ELIMINATE OUR FINANCIAL ROLLER COASTER RIDE North American Company for Life and Health Insurance Since % PREMIUM BONUS Check out NORTH AMERICAN CHARTER SM 5 14 FIXED INDEX ANNUIT Value s less 1.10% $2,000-Q ($50/mo. TSA) $10,000- NQ $1000 w/ EFT $100/ month-q 6 10 ears (15,14,13,12, 11,10,8,6,4,2) 14 ears (18,18,17,15, 15,15, 15,14,12,10,8, 6,4,2) 10 ears 0-79 (in TX only ages 0-55 (10 ears 0-53 in OH, NV only) 14 ears (in TX only ages 0-51 (14 ears 0-49 in OH only 0-65 CA only) FEATURES 8% Bonus Tax-Deferral Feature 2 Ability to Avoid Probate Up to 10% Penalty-Free 3 Optional Lifetime Benefit (GLWB) with up to 6.75% Bonus Credit available 6 Life is filled with so many ups and downs! If you re looking for safety of and an opportunity to earn stock marketlinked returns without any of the downside risk from market loss or fluctuation 4... GIVE US A CALL!!! FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Check website for disclaimer details. With the annual reset provision, your earnings will be locked in annually! 4 If the market goes down, you will not lose any of your prior Credits! 2 es 10-ear 6.50% year % yrs 2&3.50% yrs ear 7.00% year % yrs % yrs 6-10 reduced by 25% on issue ages & 50% on ages Reduced by 1.00% in MN & VA AL, AK, CT, DE, MN, N, OH, OR, UT, WA (CA - Call for details) /Contract Features Clients may transfer between Fixed & Index account options or crediting methods within Index account annually. ou have 30 days each contract anniversary to reallocate. Transfers not allowed until 1st contract yr. The ability to transfer annually for the 30 days is also by current company practice.annuitization Benefit: By current Company practice, proceeds may be converted to an annuity payment option after yr 1. payments will be based on the Accumulation Value if a Life, Life & Certain or Joint Life option is selected. Full acct value at death.10% of Accum Value each year after yr. 1 The penalty-free withdrawal will increase by 10% of the Accumulation Value. Death benefit accum value goes to beneficiary upon death. Receive lump sum or a series of payments. See page 19 for full disclaimer information. FOR AGENT USE ONL. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Rates effective 08/26/14. Rates and commissions are subject to change. Check for current state approvals. DK1360-A

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