SPIA Product Rates

Company	Product	5 yr CO	10 yr CO	Life Only*	Life with 10 yr Certain*	Min Premium	Commissions and Issue Ages
North American	Income	$17.26	$9.72	$6.52	$6.26	$20K NQ $20K Q	2.00% age 0-95
About North American: AM Best: A+ Weiss: B S&P: A+ Comdex: 91 Fitch: - Assets: 884000 About Income from North American: Min Issue Age: 0 Max Issue Age: 95 Min Premium NQ: $20K Min Premium Q: $20K Max Premium: $0 MVA: FALSE Free Withdrawal: Annuitization: Death Benefit: Surrender Window: Return of Premium: Download the brochure
Lincoln Benefit Life	Income Ready Spia 5 - 9 Period Certain Only	$16.86	$0.00	$0.00	$0.00	$5K NQ $5K Q	2.00% age 0-90
About Lincoln Benefit Life: AM Best: A+ Weiss: B+ S&P: AA- Comdex: 88 Fitch: A1 Assets: 2683303 Comments: LBL has a long history of providing qualify annuit About Income Ready Spia 5 - 9 Period Certain Only from Lincoln Benefit Life: Min Issue Age: 0 Max Issue Age: 90 Min Premium NQ: $5K Min Premium Q: $5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Life with Installment Refund, Period Certain, Joint and Survivor available for all payouts. Death Benefit: Surrender Window: Return of Premium: Download the brochure
The Standard	Tailored Income Annuity	$16.82	$9.48	$6.14	$5.99	$15K NQ $15K Q	3.00% age 0-90
About The Standard: AM Best: A Weiss: B S&P: AA- Comdex: 81 Fitch: A1 About Tailored Income Annuity from The Standard: Min Issue Age: 0 Max Issue Age: 90 Min Premium NQ: $15K Min Premium Q: $15K Max Premium: $1000000 MVA: FALSE Free Withdrawal: life income commutation Annuitization: life, life with installment refund, life with period certain, joint and survivor life, joint and survivor life with installment refund, period certain Death Benefit: Accumulation value minus surrender percentage or full value paid out over 5 years or longer Surrender Window: Return of Premium: NO Download the brochure
Genworth	SPIA	$16.77	$9.43	$5.93	$5.87	$5K NQ $5K Q	3.00% age 0-90
About Genworth: AM Best: A Weiss: B S&P: A Comdex: 78 Fitch: A2 Assets: 15893602 Comments: Genworth is a global financial security company de About SPIA from Genworth: Min Issue Age: 0 Max Issue Age: 95 Min Premium NQ: $5K Min Premium Q: $5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Life with Installment Refund, Life with Cash Refund, Period Certain, Joint and Survivor available for all payouts. Death Benefit: Surrender Window: Return of Premium: Download the brochure
American General	SPIA	$16.70	$9.11	$5.98	$5.76	$5K NQ $5K Q	3.00% age 0-85
About American General: AM Best: A Weiss: C+ S&P: A+ Comdex: 87 Fitch: A1 Assets: 28386365 Comments: American General has built their business around u About SPIA from American General: Min Issue Age: 0 Max Issue Age: 85 Min Premium NQ: $5K Min Premium Q: $5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Life with Installment Refund, Life with Cash Refund, Period Certain, Joint and Survivor available for all payouts. Death Benefit: Surrender Window: Return of Premium: Download the brochure
United of Omaha	SPIA	$16.68	$9.23	$5.96	$5.87	$10K NQ $10K Q	4.00% age 0-85
About United of Omaha: AM Best: A+ Weiss: B+ S&P: AA- Comdex: 95 Fitch: Aa3 Assets: 4012021 Comments: Specializing in SPIA products, United of Omaha pro About SPIA from United of Omaha: Min Issue Age: 0 Max Issue Age: 85 Min Premium NQ: $10K Min Premium Q: $10K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain Death Benefit: Surrender Window: Return of Premium: Download the brochure
Lincoln Financial	Lincoln Insured Income SPIA	$16.59	$9.08	$5.99	$5.74	$10K NQ $10K Q	3.00% age 0-95
About Lincoln Financial: AM Best: A+ Weiss: B- S&P: AA- Comdex: 88 Fitch: A1 w- Assets: 95380517 Comments: Lincoln Financial annuities are a convenient way t About Lincoln Insured Income SPIA from Lincoln Financial: Min Issue Age: 0 Max Issue Age: 95 Min Premium NQ: $10K Min Premium Q: $10K Max Premium: $2000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain Death Benefit: Surrender Window: Return of Premium: Download the brochure
American National	SPIA 5 - 9 Certain Only	$16.56	$0.00	$0.00	$0.00	$15K NQ $3.5K Q	1.50% age 0-90
About American National: AM Best: A Weiss: B+ S&P: AA- Comdex: 90 Fitch: - Assets: 12102843 Comments: Established in 1905, American National has been a About SPIA 5 - 9 Certain Only from American National: Min Issue Age: 0 Max Issue Age: 90 Min Premium NQ: $15K Min Premium Q: $3.5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Certain Only 5 - 9 year only Death Benefit: Surrender Window: Return of Premium: Download the brochure
West Coast	Income Advantage	$0.00	$9.17	$5.96	$5.78	$10K NQ $10K Q	3.00% age 0-99
About West Coast: AM Best: A+ Weiss: C S&P: AA- Comdex: 88 Fitch: A2 Assets: 2752463 Comments: WCL realizes that planning for retirement is much About Income Advantage from West Coast: Min Issue Age: 0 Max Issue Age: 99 Min Premium NQ: $10K Min Premium Q: $10K Max Premium: $2000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain Death Benefit: Surrender Window: Return of Premium: Download the brochure
Trans America	Secure Rewards	$0.00	$9.11	$6.05	$5.84	$15K NQ $15K Q	2.50% age 0-90
About Trans America: AM Best: A + Weiss: B S&P: AA - Comdex: 90 Fitch: A1 Assets: 39640640 About Secure Rewards from Trans America: Min Issue Age: 0 Max Issue Age: 90 Min Premium NQ: $15K Min Premium Q: $15K Max Premium: $2000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certai Death Benefit: Surrender Window: Return of Premium: Download the brochure
Lincoln Financial	Lincoln Smart Income Annuity	$0.00	$0.00	$4.04	$0.00	$50K NQ $50K Q	3.00% age 0-85
About Lincoln Financial: AM Best: A+ Weiss: B- S&P: AA- Comdex: 88 Fitch: A1 w- Assets: 95380517 Comments: Lincoln Financial annuities are a convenient way t About Lincoln Smart Income Annuity from Lincoln Financial: Min Issue Age: 50 Max Issue Age: 85 Min Premium NQ: $50K Min Premium Q: $50K Max Premium: $2000000 MVA: FALSE Free Withdrawal: 10% free after yr 1 from the Reserve Value Annuitization: Life only, Joint Life only - 25 bps trail commission, ask us Death Benefit: Surrender Window: Return of Premium: Download the brochure
Lincoln Benefit Life	Income Ready Spia	$0.00	$9.28	$6.26	$5.99	$5K NQ $5K Q	3.00% age 0-90
About Lincoln Benefit Life: AM Best: A+ Weiss: B+ S&P: AA- Comdex: 88 Fitch: A1 Assets: 2683303 Comments: LBL has a long history of providing qualify annuit About Income Ready Spia from Lincoln Benefit Life: Min Issue Age: 0 Max Issue Age: 90 Min Premium NQ: $5K Min Premium Q: $5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Accelerated Payment Rider Guaranteed Annuity Payment Liquidity Rider Annuitization: Life Income, Life with Period Certain, Life with Installment Refund, Period Certain,Modified Cash Refund. Joint and Survivor available for all payouts. Death Benefit: Surrender Window: Return of Premium: Download the brochure
ING USG Annuity	SPIA	$0.00	$0.00	$6.33	$6.04	$5K NQ $5K Q	3.00% age 0-85
About ING USG Annuity: AM Best: A Weiss: C S&P: AA- Comdex: 84 Fitch: A1 Assets: 48007142 Comments: ING is a leader in the fixed index marketplace wit About SPIA from ING USG Annuity: Min Issue Age: 0 Max Issue Age: 85 Min Premium NQ: $5K Min Premium Q: $5K Max Premium: $2000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Joint and Last Survivor, Period Certain, Joint and Last Survivor with Period Certain Death Benefit: Surrender Window: Return of Premium: Download the brochure
American National	SPIA	$0.00	$9.08	$6.21	$5.97	$15K NQ $3.5K Q	3.00% age 0-84 1.50% age 85-90
About American National: AM Best: A Weiss: B+ S&P: AA- Comdex: 90 Fitch: - Assets: 12102843 Comments: Established in 1905, American National has been a About SPIA from American National: Min Issue Age: 0 Max Issue Age: 100 Min Premium NQ: $15K Min Premium Q: $3.5K Max Premium: $1000000 MVA: FALSE Free Withdrawal: Annuitization: Life Income, Life with Period Certain, Life with Installment Refund, Period Certain, Joint and Survivor available for all payouts. Death Benefit: Surrender Window: Return of Premium: Download the brochure

* Male age 65. Monthly installments per $1,000 of net premiums.

For Agent/ Broker Use Only. Rates compiled from various sources, and subject to change without notice. Contact BUA for complete product and rate details.