Brokers International,LTD Fixed Index Annuity Spreadsheet Rates and terms are subject to change without notice. Please confirm accuracy of information, rates and terms with applicable carriers before use. Brokers International, LTD is not responsible for the content, use, application, accuracy, or any other matter regarding this information. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 1 of 64
Allianz Life Insurance Company of North America Allianz MasterDex Plus Annuity (C51233) Nasdaq 100 monthly sum monthly sum FTSE 100 monthly sum Nasdaq-100 annual pt to pt annual pt to pt FTSE 100 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international ti stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/2.30% 100%/2.10% 100%/2.10% 100%/5.00% 100%/5.75% 100%/5.25 100%/5.50% Spread Cap/Max. Spread 0.50% 1% 100%/NA 2.00% 12% Fixed Interest 2.15% 0.50% (5yrs) 87.5% of all s paid, less any s, accumulated at a interest rate no less than 1.5% and no greater than 3% compunded annually. 0-80 Withdrawal Provision Up to 10% of the 's paid can be withdrawn each year as long as the money is withdrawn after the 's anniversary following the most recent payment; maximum of cash surrender value. 1 7yr 10,9,8,7,6, 5,4% 5x5: 5 year deferral, five year interest only then lumpsum 5X10: 5 years deferred/ 10 year payout OR After one year in deferral, clients can receive annuity payments based on full value over a period certain of 10 to Greater of the 's value or minimum value, in a lump-sum payment or income payments (if death occurs 30 years. For during clients at deferral). specified higher ages, we will allow period certain payments for less that 10 years. First Year* 0-75: up to 7% 76-80: 6% Years 2-3* 0-75: up to 3.5% 76-80: 2.75% 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. "FTSE," "FT-SE," "Footsie," "FTSE4Good," and "techmark" are trademarks jointly owned by the London Stock Exchange Plc and the Financial Times and are used by the FTSE International Limited ("FTSE') under license. "All-World," "All-Share," and "All-Small" are trade marks of FTSE. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. 12129-10 For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 2 of 64
Allianz Life Insurance Company of North America Allianz MasterDex 5 Plus SM Annuity (C51261) Nasdaq 100 monthly sum monthly sum FTSE 100 monthly sum Nasdaq-100 annual pt to pt annual pt to pt FTSE 100 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/2.30% 100%/2.10% 100%/2.10% 100%/4.50% 100%/5.25% 100%/4.75% 100%/5.25% Spread Cap/Max. Spread 0.50% 1% 100%/NA 2.00% 12% Fixed Interest 2.15% 0.50% 5% on all received during first 5 years. 2 (5yrs) 87.5% of, with no bonus, less any s, accumulated at a interest rate no less than 2% and no greater than 3% compunded annually. s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. 0-80 Withdrawal Provision Up to 10% of the 's paid can be withdrawn each year as long as the money is withdrawn after the 's anniversary following the most recent payment; maximum of cash surrender value. 1 10yr 15% for first three years then decreases 0.1786% each month until the end of 10th year, when it drops to zero. 5x5: 5 year deferral, five year interest only then lump sum 5X10: 5 years deferred/ 10 year payout OR After one year in deferral, clients can receive annuity payments based on full value (less bonus and interest on bonus) over a period certain of 10 to 30 years. For clients at specified higher ages, we will allow period certain payments for less that 10 years. 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. Greater of the 's value or minimum value, in a lump-sum payment or income payments (if death occurs during deferral). First Year* 0-75: up to 8% 76-80: 6% Years 2-5* 0-75: up to 4% 76-80: 3% The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. "FTSE," "FT-SE," "Footsie," "FTSE4Good," and "techmark" are trademarks jointly owned by the London Stock Exchange Plc and the Financial Times and are used by the FTSE International Limited ("FTSE') under license. "All-World," "All-Share," and "All-Small" are trade marks of FTSE. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. 12129-10 For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 3 of 64
Allianz Life Insurance Company of North America Allianz MasterDex 10 Plus SM Annuity (C51288-01) Nasdaq 100 monthly sum monthly sum FTSE 100 monthly sum Nasdaq-100 annual pt to pt annual pt to pt FTSE 100 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/3.20% 100%/3.00% 100%/2.90% 100%/7.00% 100%/7.75% 100%/7.50% 100%/7.75% Spread Cap/Max. Spread 0.50% 1% 100%/NA 2.00% 12% Fixed Interest 3.00% 0.50% 10% on all received during first 5 years. 2 (5yrs) 87.5% of, with no bonus, less any s, accumulated at a interest rate no less than 1% and no greater than 3% compunded annually. Withdrawal Provision Cash Value 5X10: 5 years deferred/ 10 year payout - payments can be interest only or principal and interest OR After one year in deferral, clients can receive annuity payments based on full value (less bonus and interest on bonus) over a period certain of 10 to 30 years. For clients at specified higher ages, we will allow period certain payments for less that 10 years. First Year* 0-75: up to 8% 76-80: 5% Years 2-5* 0-75: up to 4.00% 76-80: 2.50% 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. "FTSE," "FT-SE," "Footsie," "FTSE4Good," and "techmark" are trademarks jointly owned by the London Stock Exchange Plc and the Financial Times and are used by the FTSE International Limited ("FTSE') under license. "All-World," "All-Share," and "All-Small" are trade marks of FTSE. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. 12129-10 0-80 Up to 10% of the 's paid can be withdrawn each year as long as the money is withdrawn after the 's anniversary following the most recent payment; maximum of cash surrender value. 1 87.5% of, with no bonus, less any s, accumulate d at a minimum interest rate of 1.5%. Greater of the 's annuitization value or minimum value, in a lump-sum payment or income payments (if death occurs during deferral). For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 4 of 64
Allianz Life Insurance Company of North America Allianz Endurance SM Elite Annuity (C50915) Nasdaq-100 monthly sum monthly sum Euro STOXX 50 monthly sum Nasdaq-100 annual pt to pt annual pt to pt Euro STOXX 50 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/3.00% 100%/2.40% 100%/2.40% 100%/5.50% 100%/5.75% 100%/6.00% 100%/6.25% Spread Cap/Max. Spread 0.50% 100%/NA 2.00% 12% Fixed Interest 2.50% 0.50% 1% Enhanced Withdrawal Value 2,3 87.5% of total paid, less s, receives a rate at issue no less than 1% Withdrawal Provision 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. (1yr) 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 3. Enhanced benefit value (EWB): A 10% bonus is credited to the EWB, and the EWB receives enhanced interest at a factor of 105% on all fixed and/or indexed interest earned. After 5 years your client may access the EWB value by choosing scheduled s over a period of 10 years, or s for life. Initial depends on client's age (joint available). s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. The EURO STOXX 50 Index, Europe's leading Blue-chip index for the Eurozone, provides a Blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 12 Eurozone countries: Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain. The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland. Allianz products based on the Index are in no way sponsored, endorsed, sold, or promoted by STOXX and shall not have any liability with respect thereto. 12129-10 For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 5 of 64 $10,000 0-80 After the first year up to 10% of 's paid can be withdrawn each year. 1 5yrs 8,7,6,5,4% 5X10 5 years deferred/ 10 year payout (more options available) (Traditional annuitization does not provide this annuity's best value to the client and does not include the bonus. See the Enhanced Withdrawal for best value.) Full Accumulation Value or the minumum value, whichever is greater if taken as a lump sum, EWB value if taken over at least 5 years (if death occurs during deferral). First Year* 0-75: up to 5% 76-80: 3.50%
Allianz Life Insurance Company of North America Allianz Endurance SM Plus Annuity (C50915) Nasdaq-100 monthly sum monthly sum FTSE 100 monthly sum Nasdaq-100 annual pt to pt annual pt to pt FTSE 100 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/2.80% 100%/2.30% 100%/2.40% 100%/5.25% 100%/5.75% 100%/6.00% Spread Cap/Max. 0.50% 1% 100%/6.00% 3% 100%/NA 2.00% 12% Enhanced Withdrawal Value 2,3 (3yrs) 90% of paid, less s, receives a rate at issue no less than 1.5% and no greater than 3%. Withdrawal Provision Full Accumulation Value or the minumum value, whichever is greater if taken as a lump sum, EWB value if taken over at least 5 years (if death occurs during deferral). Fixed Interest 2.50% 0.50% 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuties that don't offer a bonus feature. 3. Enhanced benefit value (EWB): A 20% bonus is credited to the EWB, and the EWB receives enhanced interest at a factor of 105% on all fixed and/or indexed interest earned. After 10 years your client may access the EWB value by choosing scheduled s over a period of 10 years, or s for life. Initial depends on client's age (joint available). s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisibility of purchasing the product. "FTSE," "FT-SE," "Footsie," "FTSE4Good," and "techmark" are trademarks jointly owned by the London Stock Eschange Plc and the Financial Times and are used by the FTSE International Limited ("FTSE') under license. "All-World," "All-Share," and "All-Small" are trade marks of FTSE. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. 12129-10 $10,000 0-80 After the first year up to 10% of 's paid can be withdrawn each year as long as the money is withdrawn after the anniversary following the most recent payment. 1. 10yrs 10,10,10, 8.75,7.50, 6.25,5.00, 3.75,2.50, 1.25% 10X10 10 years deferred/ 10 year payout to receive EWB Value (more options available) (Traditional annuitization does not provide this annuity's best value to the client and does not include the bonus. See the Enhanced Withdrawal for best value.) For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 6 of 64 First Year* 0-75: up to 8% 76-80: 5.00% Years 2-3* 0-75: up to 4.00% 76-80: 2.50%
Allianz Life Insurance Company of North America Allianz MasterDex X Annuity (C52575) Nasdaq-100 monthly sum monthly sum Euro STOXX 50 monthly sum Nasdaq-100 annual pt to pt annual pt to pt Euro STOXX 50 annual pt to pt Blended Index annual pt to pt (predefined mix of domestic & international stock indexes and a bond index) Blended Index monthly average (predefined mix of domestic & international stock indexes and a bond index) 100%/2.30% 100%/2.10% 100%/2.10% 100%/4.50% 100%/5.25% 100%/4.75% 100%/5.25% Spread Cap/Max. Spread 0.50% 1% 100%/NA 2.00% 12% Fixed Interest 2.15% 0.50% 10% on all received during first 3 years. The bonus is vested over a 10- year period at 10% per year. If the is surrendered during the surrender charge period, the client will receive the portion of the bonus that is vested. 2 (3yrs) 87.5 of total paid, less s, credited at an interest rate of no less than 2.5% per year. $20,000 0-80 Withdrawal Provision After the first year, up to 10% of the 's paid can be withdrawn each year as long as the money is withdrawn after the anniversary following the most recent payment. 1 10yrs 10,10,10, 8.75,7.50, 6.25,5.00, 3.75,2.50, 1.25% 5x5: 5 year deferral, five year interest only then lump sum 5X10: 5 years deferred/ 10 year payout OR After one year in deferral, clients can receive annuity payments based on full value (less bonus and interest on bonus) over a period certain of 10 to 30 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. The 's value, including both vested and unvested bonus, is available as a lump sum or as income payments (if death occurs during deferral).. First Year* 0-75: up to 7% 76-80: 5.00% Years 2-3* 0-75: up to 3.50% 76-80: 2.50% s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are trade or service marks of The Nasdaq Stock Market, Inc. (which with its affiliates are the corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold or promoted by Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S). "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Allianz Life Insurance Company of North America. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product. The EURO STOXX 50 Index, Europe's leading Blue-chip index for the Eurozone, provides a Blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 12 Eurozone countries: Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain. The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland. Allianz products based on the Index are in no way sponsored, endorsed, sold, or promoted by STOXX and shall not have any liability with respect thereto. 12129-10 years. For clients at specified higher ages, we will allow period certain payments for less that 10 years. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 7 of 64
Allianz Life Insurance Company of North America Allianz Pro V1 SM Annuity (C53520) Barclays Capital U.S. Aggregate Bond Index annual pt to pt PIMCO US Advantage Index SM annual pt to pt Spread Cap/Max. Spread 100%/NA 1.30% 6% 100%/NA 1.30% 6% Fixed Interest 2.85% 0.50% Allianz Life Insurance Company of North America and PIMCO are subsidiaries of Allianz SE. 12129-10 87.5 of total paid, less s, credited at an interest rate of no less than 1% per year. Withdrawal Provision Available immediately, up to 10% of the 's paid can be withdrawn each year; maximum is cash surrender value. 1 1. Withdrawals are subject to federal/state income tax, and prior to age 59½ a 10% federal tax penalty may apply. 2. annuities may include longer surrender charge periods, lower caps or other restrictions that are not included in similar annuities that don't offer a bonus feature. s are based on the financial strength and claims paying ability of Allianz Life Insurance Company of North America. "For Agent Use Only" and " availability and features may vary by state." Allianz Life Rates Effective 6/1/10 and subject to change. Contracts issued by Allianz Life Insurance Company of North America. 5701 Golden Hills Drive Minneapolis, MN 55416 *s vary by State. Call for other commission options. The Barclays Capital U.S. Aggregate Bond Index is comprised of U.S. investment-grade, fixed-rate bond market securities, including government, government agency, corporate, and mortgage-backed securities. The product is not sponsored, endorsed, sold or promoted by Barclays Capital. Barclays Capital makes no representation or warranty, express or implied, to the owners of the product or any member of the public regarding the advisability of investing in securities generally or in the product particularly or the ability of the Barclays Capital Indices, including without limitation, the Barclays Capital U.S. Aggregate Bond Index, to track general bond market performance. Barclays Capital's only relationship to Allianz Life Insurance Company and its affiliates ( Allianz ) is the licensing of the Barclays Capital U.S. Aggregate Bond Index which is determined, composed and calculated by Barclays Capital without regard to Allianz or the product. Barclays Capital has no obligation to take the needs of Allianz or the owners of the product into consideration in determining, composing or calculating the Barclays Capital U.S. Aggregate Bond Index. Barclays Capital is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the product to be issued or in the determination or calculation of the equation by which the product is to be converted into cash. Barclays Capital has no obligation or liability in connection with the administration, marketing or trading of the product. The PIMCO US Advantage Index is a comprehensive U.S. bond market index, offering exposure to interest rate swaps, inflation-protected securities, investment-grade corporate bonds, and securitized instruments such as mortgage-backed securities. The PIMCO US Advantage IndexSM (the Index ) is a comprehensive U.S. bond market index, offering exposure to interest rate swaps, inflation-protected securities, investmentgrade corporate bonds, and securitized instruments such as mortgage-backed securities. The Index is a trademark of Pacific Investment Management Company LLC ( PIMCO ) and has been licensed for use by Allianz Life Insurance Company of North America (Allianz Life) in connection with the annuity. The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of Allianz Life, the annuity, or owners of the annuity. The annuity is not sold, sponsored, endorsed or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. PIMCO does not provide investment advice to Allianz Life with respect to the annuity or to owners of the annuity. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to Allianz Life with respect to the annuity. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the annuity particularly. PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. PIMCO shall have no responsibility or liability whatsoever with respect to the annuity. 5yrs 8,7,6,5, 4,0% 1x10: 1-year deferral, 10-year payout based on full value. For clients at specified higher ages,will allow period certain payments for less than 10 years. 1x5: 1-year deferral, 5-year payout of interest only, then lump sum the full value. The 's value is available as a lump sum or as income payments (if death occurs during deferral). For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 8 of 64 $10,000 0-85 First Year* 0-75: 3.25% 76-80: 2.00% 80-85: 1.00%
American Equity Investment Life Insurance Company, Des Moines, IA A- Interest Crediting Methods Rate (PR)/Caps Initial * (MGIR) * * s * (MGA-10) annual mthly average value w/cap 6.50% Cap 0% annual mthly average value 35%/PR w/pr Gold INDEX-1-07 Call for State Availability Dow Jones annual mthly average value w/cap annual pt to pt value w/cap 6.50% Cap 0% 6.50% Cap 0% annual pt to pt value w/pr 25%/PR Dow Jones annual pt to pt value w/cap 6.50% Cap 0% 10% on total 1st year s 0-80 Currently 3% MGIR is set at issue and for life of. Applies to d Value (MGSV) only. 0-80 Q/NQ 10% of value annually after 1st yr. Systematic w/d & RMD immediately from fixed account.** Lifetime Income Rider (LIBR- 2008) (not available in all states). 16yrs (0-80) 20,19.5,19, 18.5,18,17.5, 17,16,15,14, 12,10,8,6, 4,2% Proceeds under this Contract may be annuitized after the first year for a life option with at least 5 years certain.* Greater of Contract Value or MGSV at first to die of Owner or Annuitant 0-75: -6.00% 13th Mth-1.05% 25th Mth-1.15% Addt'l money added Yrs 2-5: 2.75% 76-80: -4.50% 13th Mth-0.79% 25th Mth-0.86% Addt'l money added Yrs 2-5: 2.06% monthly pt to pt value annual reset 2.60% (monthly Cap) 0% 10-Year U.S.Treasury Bond pt to pt annual reset 4.00% Cap 0% Fixed Value 3.10% Fixed Value MGIR is 1%. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 9 of 64
American Equity Investment Life Insurance Company, Des Moines, IA A- Interest Crediting Methods Rate (PR)/Caps Initial * (MGIR) * * s * (MGA-10) annual mthly average value w/cap 6.50% Cap 0% annual mthly average value 35%/PR w/pr Income Gold INDEX-3-07 Call for State Availability Dow Jones annual mthly average value w/cap annual pt to pt value w/cap 6.50% Cap 0% 6.50% Cap 0% annual pt to pt value w/pr 25%/PR Dow Jones annual pt to pt value w/cap 6.50% Cap 0% 5% on total 1st year s Currently 3% MGIR is set at issue and for life of. Applies to d Value (MGSV) only. 0-80 Q/NQ 10% of value annually after 1st yr. Systematic w/d & RMD immediately from fixed account.** Lifetime Income Rider (LIBR- 2008) (not available in all states). 12yrs 15,14,13,12, 11,10,8.5,7, 5.5,4,2.5,1% Proceeds under this Contract may be annuitized after the first year for a life option with at least 5 years certain.* Greater of Contract Value or MGSV at first to die of Owner or Annuitant 0-75: -5.63% 13th Mth-0.98% 25th Mth-1.08% Addt'l money added Yrs 2-5: 2.75% 76-80: -4.22% 13th Mth-0.74% 25th Mth-0.81% Addt'l money added Yrs 2-5: 2.06% s different in AK monthly pt to pt value annual reset 2.60% (monthly Cap) 0% 10-Year U.S.Treasury Bond pt to pt annual reset 4.00% Cap 0% Fixed Value 3.10% Fixed Value MGIR is 1%. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 10 of 64
American Equity Investment Life Insurance Company, Des Moines, IA A- Interest Crediting Methods Rate (PR)/Caps Initial (MGIR) * * s * (MGA-10) annual mthly average value w/cap 6.50% Cap 0% annual mthly average value 35%/PR w/pr Integrity Gold INDEX-5-07 Call for State Availability Dow Jones annual mthly average value w/cap annual pt to pt value w/cap 6.50% Cap 0% 6.50% Cap 0% annual pt to pt value w/pr 25%/PR Dow Jones annual pt to pt value w/cap 6.50% Cap 0% Currently 3% MGIR is set at issue and for life of. Applies to d Value (MGSV) only. 0-80 Q/NQ 10% of value annually after 1st yr. Systematic w/d & RMD immediately from fixed account.** Lifetime Income Rider (LIBR- 2008) (not available in all states). 6yrs 8,7,6,4.5,3, 1.5% Proceeds under this Contract may be annuitized after the first year for a life option with at least 5 years certain.* Greater of Contract Value or MGSV at first to die of Owner or Annuitant 0-75: -4.13% 13th Mth-0.72% 25th Mth-0.79% Addt'l money added Yrs 2-5: 2.75% 76-80: -3.09% 13th Mth-0.54% 25th Mth-0.59% Addt'l money added Yrs 2-5: 2.06% monthly pt to pt value annual reset 2.60% (monthly Cap) 0% 10-Year U.S.Treasury Bond pt to pt annual reset 4.00% Cap 0% Fixed Value 3.10% Fixed Value MGIR is 1%. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 11 of 64
American Equity Investment Life Insurance Company, Des Moines, IA A- Interest Crediting Methods Rate (PR)/Caps Initial (MGIR) * * s * (MGA-10) annual mthly average value w/cap 6.00% Cap 0% Advantage Gold INDEX-6-07 Call for State Availability annual mthly average value 30%/PR w/pr annual pt to pt value w/cap 6.00% Cap 0% annual pt to pt value w/pr 25%/PR monthly pt to pt value annual reset 10-Year U.S.Treasury Bond pt to pt annual reset 2.40% (monthly Cap) 0% 4.00% Cap 0% Fixed Value 3.00% annual mthly average value w/pr 35%/PR 5% on total 1st year s Currently 3% MGIR is set at issue and for life of. Applies to d Value (MGSV) only. 0-80 Q/NQ 10% of value annually after 1st yr. Systematic w/d & RMD immediately from fixed account.** Lifetime Income Rider (LIBR- 2008) (not available in all states). 10yrs 16,15,14,13, 11.5,10,8.5,7, 5.5,4% Proceeds under this Contract may be annuitized after the first year for a life option with at least 5 years certain.* Greater of Contract Value or MGSV at first to die of Owner or Annuitant 0-75: -6.00% 13th Mth-1.05% 25th Mth-1.15% Addt'l money added Yrs 2-5: 2.75% 76-80: -4.50% 13th Mth-0.79% 25th Mth-0.86% Addt'l money added Yrs 2-5: 2.06% 10/10 Gold INDEX-6-05 Call for State Availability annual pt to pt value w/pr monthly pt to pt value annual reset 10-Year U.S.Treasury Bond pt to pt annual reset 25%/PR 2.60% (monthly Cap) 0% 4.00% Cap Currently 3% MGIR is set at issue and for life of. 10% of value annually after 1st yr. Systematic w/d & RMD immediately from fixed account.** 10yrs 10,9,8,7,6,5, 4,3,2,1% To check on contact American Equity Marketing Department. 0-75: -6.00% 13th Mth-1.05% 25th Mth-1.15% Addt'l money added Yrs 2-5: 4.25% 76-80: -4.50% 13th Mth-0.79% 25th Mth-0.86% Addt'l money added Yrs 2-5: 3.18% Fixed Value 3.10% For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 12 of 64
American Equity Investment Life Insurance Company, Des Moines, IA A- Retirement Gold INDEX 2-09* Call for State Availability Interest Crediting Methods annual mthly average value annual mthly average value w/pr annual pt to pt value annual reset annual pt to pt value w/pr monthly pt to pt value annual reset Rate (PR)/Caps 6.00% Cap 30%/PR 6.00% Cap 25%/PR 2.40% (monthly Cap) 0% Fixed Value 2.90% 10-AE-0321 Rates Effective 11/4/09 and subject to change Initial A d 10% on all 1st Year.* (14 yr Vesting Schedule Applies) (MGIR) Currently 2.25% MGIR is set at issue and for life of. * May vary by issue age and/or by state. See MGA-10 schedule for all commission information. ** not and subject to change. "Contracts issued by American Equity Investment Life Insurance Company,West Des Moines, IA 50266." " For Agent Use Only. Not For Use In Solicitation Or Advertising To The Public. Available in Most States." * * Greater of Contract Value or MGSV at first to die of Owner or Annuitant s * (MGA-10) 0-78: -6.00% 13th Mth-1.05% 25th Mth-1.15% Addt'l money added Yrs 2-5: 2.75% s different in AK,DE,IN, OR,SC,UT The Index does not include dividends. "Dow Jones", "Dow Jones Industrial Average sm" and DJIA sm" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by American Equity Investment Life Insurance Company. Our products, based on the Dow Jones Industrial Average sm, are not sponsored, endorsed, sold or promoted by Dow Jones makes no representation regarding the advisability of purchasing our products. DJIA sm does not include dividends. These products are not sponsored, endorsed, sold or promoted by Lehman Brothers and Lehman Brothers makes no representation regarding the advisability of purchasing this product. Contract form numbers may vary by state. A.M. Best uses 15 rating categories ranging from A++ to F and measures performance in the areas of Investment Quality, Capital Adequacy, Policy Reserves, Cost Control and Management Experience. An A- rating from A.M. Best is its fourth highest rating. 0-78 Q/NQ 10% of Contract Value Annually, Starting Yr.2. Systematice W/D & RMD Immediately from Fixed.** 10yrs (0-78) 12.5,12,12,11,10,9, 8,7,6,4% Proceeds after the first Contract Year for a life option with at least 5 years certain. Provided by MA-PR, APT-PR and MPT riders Provided by MPT rider Each year after the 3rd Contract year, clients become vested in a percentage of the bonus, until 100% vested at the end of the 14th Contract year. Vested amounts of the bonus are the amounts not forfeited as a result of an early Withdrawal or.,, and Vesting Schedules may vary by state. See Disclosure and Brochure for details. "Standard & Poor's," "S&P," " " "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by American EQuity Investment Life Insurance Company. The is not sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisibility of purchasing the product. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 13 of 64
American National Insurance Company A Enhancement ANICO Equity Index Annuity REIA-NQ, PQ; GREIA- NQC, PQC; ROP-EIA Indexed Account-During the intial term, at the end of each year, if the index gain is either positive or zero, the specified interest will be credited to the annuity value for that year; if the index gain is negative, no interest will be credited. 5.00%-6yr (Specified Rate without ROP Rider) Specified Rate is d for 6- yr Policy term. rate varies by state. It will be either 3% or 1.5% on 90% of initial. $10,000 0-85 Starting in year 2, 10% of the annuity value at beginning of each year. 6yrs 8,8,7,6,4,2% No Allowed after 5yrs for a minimum of 5 yr payout without surrender charges. Upon the death of a owner or annuitant, the greater of annuity value or surrender value. 0-79: 5.00% 80-85: 3.00% Rates Effective 6/1/10 issue date and are subject to change without prior notice. FOR BROKER USE ONLY. Not for use with the general public for the purchase of annuity or insurance coverage. *The interest crediting method uses a montly average of the growth of the S&P 500 Index and allows a one-time lock-in of interest gain beginning in the third year during the 7-Year Indexing Term. The monthly average is calculated beginning on the annuity Date and ending at the end of the Indexing Term or the lock-in date, whichever is earlier. Value-Lock Date: Date you choose to stop future participation in the performance of the Index. Also the date you lock-in an amount of interest that relates to the Index gain from the Date of to that date. Value-Lock Rate: Interest rate used to credit interest after the Value Lock Date. See Policy Form for complete details. "Standard &Poor's ", "S&P ", "" and "Standard and Poor's 500 TM " are trademarks of Standard & Poor's Financial Services LLC ("Standard & Poor's") and have been licensed for use by American National Insurance Company. The is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation reguarding the advisability of purchasing The. When a person buys this annuity, they are not buying an owenership interest in any stock or index. Interest earnings are paid at a rate that is related to the performance of the Index. The Index does not reflect dividends paid on stocks underlying the index. Past performance of the index is no guarantee of future results. Ordinary income tax may be assed on any. A federal tax penalty of 10% may be assessed on any s made prior to age 59½. Information provided is not intended to be legal or tax advice. The purchaser should consult with their attorney or tax advisor for their specific circumstances. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 14 of 64
American National Insurance Company A Enhancement ANICO Value-Lock 7 Year Long-Term Pointto-Point based on a 7 Equity Indexed Monthly Average * Annuity PIA7C-NQ, PQ ANICO Value-Lock 10 Equity 10 Year Long-Term Indexed based on Annuity a Monthly Average * PIA10A-NQ, PQ; PIA10B- NQ, PQ 100% Rate d for term Currently 2.00%. Percentage of the single added to the single amount at issue. 88.75% of, accumulated at the minumum interest rate required by state law, less any s or partial surrenders. 90% of, accumulated at the minumum interest rate required by state law, less any s or partial surrenders. NQ $4,000 Q 0-80 Starting in year 2, 10% of the annuity value at beginning of each year. 7yrs 8,8,7,6,5,4,2 % 10yrs 12,12,11,10, 9,8,7,6,5,3% State Specific (CT,IL,PA,UT & WA): 9,9,8,7,6,5,4, 3,2,1% No Yes except CT,IL, PA,UT, WA Early annuitization w/o surrender charge is not allowed. Upon the death of a owner or annuitant, the greater of annuity value or surrender value prorated to the date of death. 0-75: 6.00% 76-80: 4.00% 0-75: 10.00% 76-80: 8.00% Rates Effective 6/1/10 issue date and are subject to change without prior notice. FOR BROKER USE ONLY. Not for use with the general public for the purchase of annuity or insurance coverage. *The interest crediting method uses a montly average of the growth of the S&P 500 Index and allows a one-time lock-in of interest gain beginning in the third year during the 7-Year Indexing Term. The monthly average is calculated beginning on the annuity Date and ending at the end of the Indexing Term or the lock-in date, whichever is earlier. Value-Lock Date: Date you choose to stop future participation in the performance of the Index. Also the date you lock-in an amount of interest that relates to the Index gain from the Date of to that date. Value-Lock Rate: Interest rate used to credit interest after the Value Lock Date. See Policy Form for complete details. "Standard &Poor's ", "S&P ", "" and "Standard and Poor's 500 TM " are trademarks of Standard & Poor's Financial Services LLC ("Standard & Poor's") and have been licensed for use by American National Insurance Company. The is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation reguarding the advisability of purchasing The. When a person buys this annuity, they are not buying an owenership interest in any stock or index. Interest earnings are paid at a rate that is related to the performance of the Index. The Index does not reflect dividends paid on stocks underlying the index. Past performance of the index is no guarantee of future results. Ordinary income tax may be assed on any. A federal tax penalty of 10% may be assessed on any s made prior to age 59½. Information provided is not intended to be legal or tax advice. The purchaser should consult with their attorney or tax advisor for their specific circumstances. For Agent Use Only. Not for use in solicitation or Advertising to the public. See for terms and conditions. Version 6/1/2010 15 of 64
Aviva Life and Annuity Company (formerly known as American Investors Life Insurance Company) A Income Select 5 FPIA5 (06/06) Monthly Cap Point-to- Point (Hang Seng) Point-to- Point (Dow Jones EURO STOXX50 ) Fixed Strategy 100%/4.25% 100%/5.75% 100%/1.90% 100%/2.15% 25.00%/ 25.00%/ 100%/5.00% 100%/5.00% 2.00% 2.45% 87.5% @ varies between 1-3%, some state variations may apply. Rates Effective 5/7/10; interest rates/participation rates/caps/spreads subject to change. 5yrs 8,7,6,5,4,0% annuities may include lower cap rates, higher spreads or other restrictions that are not included in similar annuities that don't offer a bonus feature. 0-83 Each year, you can withdraw up to 10% of your annuity's prior anniversary accumulated value without incurring a charge or. For any year following a year in which no s were taken, you can withdraw up to 20% of your annuity's prior anniversary accumulated value without incurring a charge or. Yes (not applicable in all states) Allows exchanges to SPIA and charges are waived under the following guidelines: If the annuity is in force for less than 5 years, the SPIA must be for life or a period certain 8 years or greater. If the annuity is in force for 5 years or more, the SPIA must be for life or a period certain 5 years or greater. (Not available in all states) Upon the death of the annuitant, the full value of your annuity will be paid in a lump sum to your named beneficiaries. Other settlement options may also be available 0-75: 3.00% 76-80: 2.05% 81-83: 1.95% Trail Option-Call for Details The Income Select Series [forms FPIA5 (06/06), FPIA7 (06/06), FPIA10 (06/06), FPIA10P (06/06), FPIAR (10/07),FPIAX (01/08) or state variation] are fixed indexed annuities issued by Aviva Life and Annuity Company, Des Moines, IA. features, limitations and availability vary by State; see the product disclosure for details. 16077 0976810 Taxable amounts withdrawn prior to 59½ may be subject to a 10% IRS penalty. Withdrawals are not credited with index interest for that term. Withdrawals in excess of the free amount may be subject to charges and a market value adjustment and may result in the loss of principle if taken during the first 5-10 years of the. The A.M. Best Company has rated Aviva Life and Annuity Company, A (Excellent) for financial strength and the ability to meet obligations to holders. This represents the third highest rating of Best's 15 rating categories. Illinois agents please call for state approval. See last page of the Aviva Life and Annuity Company Index sheets for disclosures. Version 6/1/2010 16 of 64
Aviva Life and Annuity Company (formerly known as American Investors Life Insurance Company) A Income Select 7 FPIA7 (06/06) Monthly Cap (Hang Seng) (Dow Jones EURO STOXX50 ) 100%/4.50% 100%/6.00% 100%/1.90% 100%/2.15% 25.00%/ 25.00%/ 100%/5.00% 100%/5.00% 2.05% Fixed Strategy 2.75% Rates Effective 5/7/10; interest rates/participation rates/caps/spreads subject to change. annuities may include lower cap rates, higher spreads or other restrictions that are not included in similar annuities that don't offer a bonus feature. Illinois agents please call for state approval. Each year, you can withdraw up to 10% of your annuity's prior anniversary accumulated value without incurring a charge or. For any year following a year in which no s were taken, you can withdraw up to 20% of your annuity's prior anniversary accumulated value without incurring a charge or. 7yrs 9,8,7,6,5,4, 3,0% Yes (not applicable in all states) Allows exchanges to SPIA and charges are waived under the following guidelines: If the annuity is in force for less than 5 years, the SPIA must be for life or a period certain 8 years or greater. If the annuity is in force for 5 years or more, the SPIA must be for life or a period certain 5 years or greater. (Not available in all states) Upon the death of the annuitant, the full value of your annuity will be paid in a lump sum to your named beneficiaries. Other settlement options may also be available The Income Select Series [forms FPIA5 (06/06), FPIA7 (06/06), FPIA10 (06/06), FPIA10P (06/06), FPIAR (10/07),FPIAX (01/08) or state variation] are fixed indexed annuities issued by Aviva Life and Annuity Company, Des Moines, IA. features, limitations and availability vary by State; see the product disclosure for details. 16077 0976810 0-75: 4.00% 76-80: 2.75% 81: 2.75% Trail Option-Call for Details Taxable amounts withdrawn prior to 59½ may be subject to a 10% IRS penalty. Withdrawals are not credited with index interest for that term. Withdrawals in excess of the free amount may be subject to charges and a market value adjustment and may result in the loss of principle if taken during the first 5-10 years of the. The A.M. Best Company has rated Aviva Life and Annuity Company, A (Excellent) for financial strength and the ability to meet obligations to holders. This represents the third highest rating of Best's 15 rating categories. See last page of the Aviva Life and Annuity Company Index sheets for disclosures. 87.5% @ varies between 1-3%, some state variations may apply. 0-81 Version 6/1/2010 17 of 64
Aviva Life and Annuity Company (formerly known as American Investors Life Insurance Company) A Income Select 10 FPIA10 (06/06) Monthly Cap Point-to- Point Point-to- Point (Hang Seng) Point-to- Point (Dow Jones EURO STOXX50 ) Fixed Strategy 100%/4.50% 100%/6.00% 100%/1.90% 100%/2.15% 25.00%/ 25.00%/ 100%/5.00% 100%/5.00% 2.20% 2.80% 87.5% @ varies between 1-3%, some state variations may apply. Each year, you can withdraw up to 10% of your annuity's prior anniversary accumulated value without incurring a charge or. 10yrs 10,9,8,7,6,5, 4,3,2,1,0% annuities may include lower cap rates, higher spreads or other restrictions that are not included in similar annuities that don't offer a bonus feature. Yes (not applicable in all states) The A.M. Best Company has rated Aviva Life and Annuity Company, A (Excellent) for financial strength and the ability to meet obligations to holders. This represents the third highest rating of Best's 15 rating categories. 0-78 Rates Effective 5/7/10; interest rates/participation rates/caps/spreads subject to change. Allows exchanges to SPIA and charges are waived under the following guidelines: If the annuity is in force for less than 5 years, the SPIA must be for life or a period certain 8 years or greater. If the annuity is in force for 5 years or more, the SPIA must be for life or a period certain 5 years or greater. (Not available in all states) The Income Select Series [forms FPIA5 (06/06), FPIA7 (06/06), FPIA10 (06/06), FPIA10P (06/06), FPIAR (10/07),FPIAX (01/08) or state variation] are fixed indexed annuities issued by Aviva Life and Annuity Company, Des Moines, IA. features, limitations and availability vary by State; see the product disclosure for details. 16077 0976810 0-75: 7.50% 76-78: 5.50% Trail Option-Call for Details Taxable amounts withdrawn prior to 59½ may be subject to a 10% IRS penalty. Withdrawals are not credited with index interest for that term. Withdrawals in excess of the free amount may be subject to charges and a market value adjustment and may result in the loss of principle if taken during the first 5-10 years of the. Illinois agents please call for state approval. See last page of the Aviva Life and Annuity Company Index sheets for disclosures. Upon the death of the annuitant, the full value of your annuity will be paid in a lump sum to your named beneficiaries. Other settlement options may also be available Version 6/1/2010 18 of 64