Aviva Announcing Changes to Products and Annuity Rates

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September 9, 2011 Aviva Announcing Changes to Products and Annuity Rates This field update contains information on product and rate changes effective September 16, 2011. We want to thank you for all of your efforts this year. We appreciate your hard work and dedication, especially during the challenging economic environment we re in. We are announcing product and rate changes to position ourselves to offer competitive products with unique features while maintaining our financial strength during this climate. These product and rate changes are designed to deal with these unprecedented conditions that may continue for the longer-term. We have identified a few areas where changes are necessary to remain competitive. The following product and rate changes will be effective for all new business applications received after September 16, 2011: Lifetime Solutions Annuity Lowering premium bonus by 2% for initial premiums $100,000+ Lowering premium bonus by 1% for initial premiums $25,000-$99,000 Lowering lifetime payout percentages - see chart on page 2 See attached rate card for rate changes Income Preferred Series Lowering premium bonus by 1% and reducing recapture percentages Lowering lifetime payout percentages - see chart on page 2 Limiting Income Edge Plus rider accumulation to 20 years See attached rate card for rate changes Income Select Series Lowering premium bonus by 1% and reducing recapture percentages Lowering lifetime payout percentages - see chart on page 2 Limiting Income Edge Plus rider accumulation years to 20 years See attached rate card for rate changes Spirit Series No product or rider changes See attached rate card for rate changes

Lifetime Payout Percentage Chart (indexed annuities only) Maximum Lifetime Income Percentage Attained Age Single Annuitant Percentage Joint Annuitant Percentage 50 54 3.50% 3.00% 55 59 4.00% 3.50% 60-64 4.50% 4.00% 65-69 5.00% 4.50% 70-74 5.25%q 4.75%q 75-79 5.50%q 5.00%q 80-84 6.00%q 5.50%q 85 89 6.25%q 5.75%q 90+ 6.50%q 6.00%q *Changes are being filed in the states of Alaska, Delaware, Minnesota, Massachusetts, Oregon, South Carolina, Texas and Utah. Annuities will be sold with the current product provisions in these states until the changes are approved. Applications with cash received by Aviva through the close of business on Friday, September 16, 2011, will be credited with the previous product provisions. Rollover applications received by Aviva through September 16, 2011, will be credited with the previous provisions if the rollover funds are received by Aviva on or before October 17, 2011. We will NOT be accepting faxed applications to hold the current rates. Only hard copy applications received by Aviva in good order by the end of the day September 16, 2011, will be issued with the current rates. Applications received after these deadlines will require new Certificates of Disclosure prior to issue. Also, please note that we will require a new, corrected Product Comparison Worksheet PRIOR TO ISSUE for replacement business that misses either the September 16 application deadline or the October 17 funds deadline. THANK YOU! We can t state it enough: We appreciate your business and partnership with Aviva. We will not take for granted that you could choose any number of insurance carriers to do business with, and we will do all we can for the remainder of this year and in 2012 to maintain our relationships with our valued producers. If you have any questions, please contact Sales Support at (800) 255-2405, ext. 6620.

LIFETIME SOLUTIONS ANNUITY APPROVALS BY STATE AK WA HI OR CA NV Lifetime Solutions Annuity Interest Crediting Rates September 16, 2011 ID $25,000-$99,999 UT $100,000+ Issue ages 0-78 0-78 First-Year Premium Bonus 6%q 7%q Roll-up Rate 7% 8% 1-Year P-to-P S&P 500 Index (cap) 3.25%q 3.25%q 1-Year Monthly Cap Index (cap) 1.65%q 1.65%q 2-Year Monthly Cap Index (cap) 2.00%q 2.00%q Fixed Strategy (1-year guarantee) 1.50%q 1.50%q MT WY CO NM ND SD NE TX KS OK MN IA MO LA WI Lifetime Solutions Annuity approved for sale Lifetime Solutions Annuity not approved for sale at this time IL MI IN# TN KY OH MS AL GA WV Lifetime Solutions Annuity (S version) approved for sale* FL SC Lifetime Solutions Annuity (S3 version) approved for sale* Lifetime Solutions Annuity (S4 version) approved for sale* PA VA NC NY VT ME NJ MD CT^ NH MA Rhode Island Delaware District of Columbia * See product spec sheets or Certificates of Disclosure for product variations in these states, including withdrawal charge schedules. The Income Doubler benefit Confinement, and Terminal Illness waivers are not available in California or Massachusetts. ^ The Income Doubler benefit is not available in Connecticut. # Issue ages in Indiana: 0-74 The following states do not have MVA on the new LSA product: AK, CT, DE, IN, MN, MO, OH, UT Issued by: Aviva Life and Annuity Company, West Des Moines, IA For Internal and Agent Use Only. Not intended for soliciting annuity sales from the public. Revised: 7/28/20111

Annuity Crediting Rates September 16, 2011 Income Preferred Series Spirit Series 1 Product (Issue Age) $5,000-$74,999 Income Preferred Bonus (0-78) # q6% Premium Bonus on 1st Year Premium $75,000+ 1-Year P-to-P S&P 500 Index (cap) 2.00%q 3.50%q Fixed Strategy (1-year guarantee) 1.00%q 1.70%q Income Preferred Bonus Pro (65-78) Available only in Florida q6% Premium Bonus on 1st Year Premium 1-Year P-to-P S&P 500 Index (cap) 2.00%q 3.50%q Fixed Strategy (1-year guarantee) 1.00%q 1.70%q Income Preferred Bonus S* (0-78) q3% Premium Bonus on 1st Year Premium Approved in CT, UT, AK, MN 1-Year P-to-P S&P 500 Index (cap) 2.00% 2.00%q Fixed Strategy (1-year guarantee) 1.00% 1.00%q Income Preferred Ultra (0-78) # q3% Interest Rate Bonus on 1st Year Crediting Rate Fixed Strategy (1-year guarantee) 1.00%q 1.60%q Income Preferred Ten (0-78) 1-Year P-to-P S&P 500 Index (cap) 2.00%q 3.50%q Fixed Strategy (1-year guarantee) 1.00%q 1.55%q Income Preferred Six (0-80) 1-Year P-to-P S&P 500 Index (cap) 2.00% 3.00%q Fixed Strategy (1-year guarantee) 1.00% 1.45%q Withdrawal Charge Duration 6 years 6 years Product (Issue Age) Rider Charges $5,000-$74,999 $75,000+ Spirit Bonus (0-78) # 4% Premium Bonus on 1st & 2nd Year Premium 1-Year Guaranteed Fixed 1.00%q 1.75%q Spirit Plus (0-78) # 2% Premium Bonus on 1st & 2nd Year Premium 1-Year Guaranteed Fixed 1.00%q 1.70%q Spirit Plus S* (0-78) 2% Premium Bonus on 1st & 2nd Year Premium (5% in OR, DE) Approved in CT, DE, MN, OR, WA 1-Year Guaranteed Fixed 1.00%q 1.40%q Spirit 7 (0-81) 1-Year Guaranteed Fixed 1.00%q 1.65%q Withdrawal Charge Duration 7 years 7 years Spirit 5 (0-83) 1-Year Guaranteed Fixed 1.00%q 1.65%q Withdrawal Charge Duration 5 years 5 years Spirit 3 (0-85) 1-Year Guaranteed Fixed 1.00%q 1.50%q Withdrawal Charge Duration 3 years 3 years Annual Rider (issue ages) Base Product Charge Income Edge Plus (40-80) Income Preferred 0.75% Income Edge Flex (40-85) Spirit Series 0.50% InsurePay (0-85) Spirit Series 0.40% Any rate changes are effective for applications issued after the date indicated on the rate card. 1 All Spirit Series minimum crediting rates are 2% in Oregon. * Please check the website for reduced withdrawal charge schedule. # Issue ages in Florida for these products: 0-64 Income Preferred Bonus and Spirit Bonus: Issue ages in Indiana (0-74) For internal use and Agent Use Only. Not intended for soliciting annuity sales from the public. Product and Strategy availability varies by state. Issued by: Aviva Life and Annuity Company, Des Moines, IA

INCOME PREFERRED SERIES PRODUCT APPROVALS BY STATE This map shows availability for Income Preferred Series base products only. See separate map for optional rider availability. WA MT ND VT ME AK CA OR NV ID UT WY CO NM SD NE KS OK MN IA MO WI IL MI IN# TN KY OH WV SC* PA VA NC NY NJ MD CT NH MA Rhode Island Delaware District of Columbia HI TX* LA MS AL GA FL + + The maximum issue age for the Income Preferred Bonus and Ultra is 64 in Florida. The Income Preferred Bonus Pro is available to customers in Florida 65 and over. Issued by: Aviva Life and Annuity Company, Des Moines, IA * Income Preferred Bonus and Ultra approved with lower withdrawal charges in Texas and South Carolina # Maximum issue age for Income Preferred Bonus is 74 in Indiana. For Internal and Agent Use Only. Not intended for soliciting annuity sales from the public. Income Preferred Series: All products approved for sale All base products approved without Confinement, Terminal Illness and Home Health Waivers Income Preferred Six, Income Preferred Ten, Income Preferred Bonus S approved Income Preferred Series not approved for sale at this time Revised: 7/21/2011

SPIRIT SERIES PRODUCT APPROVALS BY STATE This map shows availability for Spirit Series base products only. See separate map for optional rider availability. WA# MT ND VT ME AK CA OR#+= NV ID UT WY CO NM SD NE KS OK MN# IA MO WI IL MI OH IN* KY TN NY PA WV VA NC SC CT NJ MD NH MA Rhode Island +Delaware District of Columbia MS AL GA TX#^ LA FL# HI Issued by: Aviva Life and Annuity Company, Des Moines, IA Please check Aviva Live for reduced withdrawal charge schedule on Spirit Plus S. For Internal and Agent Use Only. Not intended for soliciting annuity sales from the public. Revised: 01/18/2011 # Guaranteed Purchase Option not available ^ Early Income Option not available in Texas * Issue ages for Spirit Bonus in Indiana: 0-74 Issue ages for Spirit Bonus and Spirit Plus in Florida: 0-64 + Premium Bonus on Spirit Plus is 5% = The Minimum Guaranteed Interest Rate on the Spirit Series is 2% in Oregon. All base products approved for sale All base products approved without Confinement, Terminal Illness and Home Health Waivers Spirit 3, 5, 7, and Spirit Plus S approved for sale; Spirit Bonus not approved Spirit 3, 5, 7, and Spirit Plus approved for sale; Spirit Bonus not approved Spirit Series not approved for sale at this time

OPTIONAL RIDER APPROVALS BY STATE This map shows availability of the optional riders available on the Income Preferred Series and Spirit Series. See separate maps for base product availability. WA OR^ ID NV UT+ CA# AK+ HI Issued by: Aviva Life and Annuity Company, Des Moines, IA MT WY CO NM ND SD NE KS OK TX MN+ IA MO LA WI IL MI IN TN KY OH MS AL GA* + The Rollup rate on Income Edge Flex is 6%; the death benefit rider accumulation rate on InsurePay is 6%; the fee on InsurePay is 0.60%. Oregon and Delaware have not approved recent changes to Income Edge Plus. Higher Maximum Annual Lifetime Income Withdrawl percentages still apply WV SC FL PA VA NC NY VT ME NJ MD CT# NH* MA Rhode Island ^ Delaware District of Columbia # In California, the Income Doubler benefit is not available on Income Edge Flex. In Connecticut, the Income Doubler is not available on Income Edge Flex nor Income Edge Plus. * Wellness Benefits are available only on Income Edge Plus (not Income Edge Flex) in Georgia and New Hampshire ^ Oregon and Delaware have not approved recent changes to Income Edge Flex. In these states: Maximum Accumulation Years is 20 years; Income Account Value Interest Rate is 7.2%; Annual Premium Rate is 0.45%; Higher Maximum Annual Lifetime Income Withdrawal Percentages still apply. On InsurePay, the death benefit rider accumulation rate is 6%; the fee on InsurePay is 0.60%. For Internal and Agent Use Only. Not intended for soliciting annuity sales from the public. Revised: 04/21/2011 Income Edge Plus, Income Edge Flex and InsurePay approved for sale. Optional riders approved without Wellness Benefits. Income Edge Plus only approved for sale. Income Edge Flex and InsurePay not available. Optional riders not available at this time.

INCOME SELECT SERIES APPROVALS BY STATE Issued by: Aviva Life and Annuity Company, Des Moines, IA AK AL CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Income Select Plus - Guaranteed Purchase Option not available in MN, OR, PA, WA - Premium Bonus is 5% in AK, DE, MN, OR, UT, WA a S S S S Income Select 5, 7, 10 - Guaranteed Purchase Option not available in MN, OR, PA, WA a a a a a a Income Edge Plus - Higher Maximum Withdrawal Percentages apply in DE and OR a a W a a= Approved # = Confinement/Terminal Not Available S = Reduced Withdrawal Charge Schedule W = Wellness Benefits Not Available Open box indicates product not approved INCOME SELECT SERIES RATES--SEPTEMBER 16, 2011 Any rate changes are effective for applications received after the date on this card. Product (Issue Age) $5,000-$74,999 $75,000+ Product (Issue Age) $5,000-$74,999 $75,000+ Income Select Plus (0-78) 1-Year P-to-P S&P 500 Index 4.00% cap 4.00% capq 1-Year P-to-P Participation Index (no cap) 25.00% par rate 25.00% par rate Fixed Strategy (1-year guarantee) 2.00% 2.00%q *Income Select Plus S (0-78) Approved in DE, MN, OR, PA, WA 1-Year P-to-P S&P 500 Index 4.00% cap 4.00% cap 1-Year P-to-P Participation Index (no cap) 25.00% par rate 25.00% par rate Fixed Strategy (1-year guarantee) 2.00% 2.00% Income Select 10 (0-78) 1-Year P-to-P S&P 500 Index 4.00% cap 4.00% cap 1-Year P-to-P Participation Index (no cap) 25.00% par rate 25.00% par rate Fixed Strategy (1-year guarantee) 2.00% 2.00%q Income Select 7 (0-81) 1-Year P-to-P S&P 500 Index 4.00% cap 4.00% capq 1-Year P-to-P Participation Index (no cap) 25.00% par rate 25.00% par rate Fixed Strategy (1-year guarantee) 2.00% 2.00%q Withdrawal Charge Duration 7 years 7 years Income Select 5 (0-83) 1-Year P-to-P S&P Index 4.00% cap 4.00% capq 1-Year P-to-P Par. Index (no cap) 25.00% par 25.00% par Fixed Strategy (1-year guarantee) 2.00% 2.00%q Withdrawal Charge Duration 5 years 5 years Rider Charges Income Edge Plus Optional Income Rider Issue ages: 40-83 Annual Charge: 0.75% *Please check the website for reduced withdrawal charge schedule. For internal use and Agent Use Only. Not intended for soliciting annuity sales from the public. Product and Strategy availability varies by state.

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