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COMPANY DESCRIPTION EI VA FIXED

American Equity Investment Life
Ins. Co.
5000 Westown Pkwy., Suite 440,
West Des Moines, IA 50266
888-647-1371 (F)515-225-6314

www.american-equity.com

American Equity offers a full line of tax-deferred, retirement accumulation products designed to provide flexibility, choices and guarantees. Call the company's marketing department to learn more about the right products for your clients. yes yes yes
American Founders Life
300 North Coit Rd., Suite 1010,
Richardson, TX 75080
972-889-4444 (F) 972-888-4442 		American Founders Annuity: 7.5% for the first year, 5% years two to five, 5% commission. Call 800-930-9310, ask for Tammy Bates or Mel Parker, CLU, ChFC.     yes

Americo Financial Life and
Annuity Insurance Co.
1055 Broadway, Kansas City,
MO 64105
888-542-6138

www.americo.com

 Flex Plus VII: Equity-indexed annuity with multiple crediting options linked to S&P 500. Monthly averaging and point-to-point with annual reset, seven-year surrender charge with 1,2,4% first-year interest rate bonus; available transfer to SPIA after 30 days with no surrender penalty. yes    

Ameritas Direct
5900 O St., Lincoln, NE 68510
800-552-3553 (F) 713-621-8531

www.ameritasdirect.com

 Ameritas No-load Variable Annuity: Over 40 investment portfolios from Vanguard, Rydex, Invesco, etc., and a fixed account. Issued by Ameritas Life Insurance Corp. Securities through Ameritas Investment Corp. For prospectus, visit www.ameritasdirect.com or 800-552-3553.   yes  

Ann Arbor Annuity Exchange
45 Research Dr., Ann Arbor,
MI 48103
800-321-3924 (F) 734-669-9453

www.annuity-exchange.com

 Ann Arbor Annuity Exchange is a national marketing organization offering a diverse range of products and services to independent agents in the annuity, life and long-term care insurance industries. yes yes yes
Annuities Exchange
2600 N. Mayfair Rd., Suite 1190,
Milwaukee, WI 53226
800-572-7283 (F) 414-774-1536		 Annuities Exchange offers fixed annuity, life products, long-term care and medical supplement products. Licensed in all 50 states. yes yes yes

The Annuity Store
P.O. Box 15115, Sacramento,
CA 95851
800-825-6094 (F) 916-924-0670

www.annuitystore.com

 In the insurance brokerage business, there isn't a more experienced team of experts than the people at The Annuity Store. That's why some of America's largest insurance providers turn to us for marketing, consulting and training. And they're not the only ones seeking us out. Independent agents throughout the country look to us for the latest in innovative products, training, personalized service and sales support. yes   yes

Assurity Life Insurance Company
1526 K St., Lincoln, NE 68508
800-276-7619 (F) 402-437-3404

www.assurity.com

 Fixed and extended guaranteed (3,5,7). First-year bonus. No MVAs, 10% withdrawal first year, no surrender on total disability or after 45 days nursing home. Competitive rates and compensation. Minimum $2,000. Issued 0-90. Availability varies.     yes

Baptist Life Association
8555 Main St., Buffalo, NY 14221
800-227-8543 (F) 716-633-4916

www.baptistlife.org

 4% guaranteed lifetime minimum interest rate, seven-year surrender charge. The Association utilizes a biblical investment philosophy.     yes

BMA (Business Men's Assurance
Company of America)
700 Karnes Blvd., Kansas City,
MO 64108
816-753-8000 (F) 816-751-5563

www.bma.com

 BMA offers a full line of annuity products: The Master Series of traditional, flexible premium annuities and SPDAs; the Index Master Series of EIAs linked to the Dow Jones Industrial Average and S&P500, and the Clarity Variable Annuity with fixed account options and 23 investment portfolios. yes yes yes
COMPANY DESCRIPTION EI VA FIXED

Clarica Life Insurance
Company-US
2000 44th St., SW, Suite 200,
Fargo, ND 58103
800-283-5433 ext. 6140 (F) 701-433-8140

www.clarica.com

 Fixed Annuities: guarantee 5,6,7 and 10; Bonus Plus 6, Bonus Plus 9 - 2% first year bonus; Bonus FPDA - day one return of premium. Equity-indexed annuities offering compounded interest with earnings locked in annually, no downside risk: seven-year averaging annual rest EIA, 10-year averaging annual reset EIA; 7-year annual reset EIA; 10-year annual reset EIA. yes   yes

Columbus Life Insurance
Company
400 East Fourth St.,
Cincinnati, OH 45201-5737
800-677-9696 (F) 513-361-6717

www.columbuslife.com

 Account Max: First-year rate enhancement; choice of four guarantee periods; market value adjustment; enhanced death benefit option. Accelerator: guaranteed interest rate increases of 15 bps in years two to five; renewal option for second five-year period. Passport: 2% first-year rate, choice of rate guarantee periods from one to five years.     yes

Farmers and Traders Life
Insurance Co.
960 James St., PO Box 1056,
Syracuse, NY 13201-1056
315-471-5656 (F) 315-471-3912

www.FTLife.com

 Traditional participating whole life; universal life; single premium deferred annuity; flexible premium deferred annuity; guaranteed-issue senior whole life; voluntary worksite; benefit guaranteed/ simplified issue whole life; various life products.     yes

Fidelity & Guaranty Life
Insurance Co.
1001 Fleet St., Baltimore,
MD 21202
800-445-6758 (F) 410-895-0165

www.fglife.com

 F&G Life offers a range of single-premium, flexible-premium and multi-year guarantee annuities, and in 2003 re-enters the equity-index market with The Reward Series: Loyalty Rewards and Index Rewards. yes   yes

Financial Brokerage Inc.
2238 S. 156th Cir.,
Omaha, NE 68130
800-397-9999 (F) 402-334-6301

www.fb-inc.com

 Financial Brokerage works with a combination of equity-indexed, traditional first-year bonus and multi-year, rate-guaranteed deferred annuities. We also have single-premium immediate annuities as well as medically underwritten SPIAs. yes   yes

Gleaner Life Insurance Society
5200 W. US Hwy. 223,
PO Box 1894, Adrian,
MI 49221-7894
800-992-1894 (F) 517-265-7745

www.gleanerlife.com

 Flexible and single-premium deferred annuities with a variety of features, including tax-qualified and non-tax qualified plans.     yes

Greater Beneficial Union
of Pittsburgh
4254 Clairton Blvd.,
Pittsburgh, PA 15227
412-884-5100 (F) 412-884-9863

www.GBU.org

 The Greater Beneficial Union of Pittsburgh is a general fraternal society, open to all. The Society offers a line of high yielding fixed annuities with member-friendly, short penalty periods. General agent contracts available.     yes

Investors Life Insurance
Company of North America
6500 River Place Blvd., Bldg. 1,
Austin, TX 78730
800-925-6000, ext. 5191
(F) 512-404-5567

www.ficgroup.com

 Select Plus 5 Premium Deferred Annuity: 5.25% interest rate guarantee for five years. 4% minimum interest rate guaranteed. $10,000 minimum premium. 10-year surrender period (10,9,8,7,6,5,4,3,2,1). Interest-only withdrawals and 10% penalty-free withdrawals. Competitive commission.     yes

Imeriti, Inc.
PO Box 1024
Solana Beach, CA 92075
800-921-3100
(F) 858-481-5768

www.imeriti.com

 Imeriti, Inc. has been wholesaling investment-oriented life insurance to financial institutions, stockbrokers, financial planners and broker-dealers for over 20 years and can provide one-stop shopping for your life insurance, annuity and long term care needs. Yes Yes Yes

Midland National
4601 Westown Pkwy., Suite 300,
West Des Moines, IA 50266
877-586-0241 (F) 877-586-0245

www.midlandannuity.com

Midland National offers a guaranteed and traditional fixed annuity, along with index annuities that offer multiple index and crediting methods. Midland's key variable product is the National Advantage Variable Annuity, which offers many unbundled riders. yes yes yes
COMPANY DESCRIPTION EI VA FIXED

MONY Life
185 Asylum St., Hartford,
CT 06103
800-240-6669 (F) 866-239-3048

www.brokerage.MONY.com

 MONY offers a full portfolio of multi-manager variable annuities including the MONY VA, MONY C VA, and MONY L VA. The MONY Fixed Annuity offers competitive interest rates, strong compensation and attractive product features.   yes yes

Motorists Life
Insurance Company
471 East Broad St.,
Columbus, OH 43215
888-876-6542 ext. 8409
(F) 800-876-8365

www.motoristslife.com

 SPDA with one- and six-year guaranteed rate, 100% return of premium guarantee, 10% free annual withdrawals after first year, nursing home rider included, interest-only withdrawals, issue age 0-90.     yes

National Community Foundation
101 Westpark Dr., Suite 160,
Brentwood, TN 37027
800-535-2601 (F) 615-309-5031

www.natcf.org

 The Tax Deductible Annuity allows an individual to exchange an asset for guaranteed, fixed lifetime income for one or two persons, creating an immediate income-tax deduction and capital-gains reduction.     yes

NGL Insurance Group
 2 E. Gilman St., Madison,
WI 53703
608-257-5611 (F) 608-257-1318

www.nglic.com

 Six fixed annuities with choice of new money or portfolio interest rates. High guarantees (4%) with current interest rate guarantees up to four years. First-year interest rate bonus on several annuities.     yes

New England Financial
501 Boylston St.,
Boston, MA 02116
617-578-2157

www.nef.com

 American Forerunner Series Variable Annuity offers an unbundled, flexible approach to features and benefits, including Guaranteed Minimum Income Benefit and Earnings Preservation riders, three death benefit options, five asset classes, over 40 investment options and much more.   yes  

North American Company
4601 Westown Pkwy.,
Suite 300, West Des Moines,
IA 50266
866-322-7066 (F) 866-322-7075

www.nacolah.com

 North American Company offers both guaranteed rate annuities and a variety of index annuities offering multiple index options and crediting methods. yes   yes

Presidential Life Insurance Company
69 Lydecker St., Nyack,
NY 10960
845-358-2300, ext. 454
(F) 845-353-6250

www.presidentiallife.com

 Presidential Life's Secure Series 4,5 and 6 single-premium deferred annuities are traditional CD-type annuities. Subsequent annual renewal interest rates are subject to the policy lifetime minimum interest rate guarantee of 3%.     yes

Reliance Standard
Life Insurance Co.
2001 Market St., Suite 1500,
Philadelphia, PA 19103
800-351-7500 (F) 267-256-3531

www.rsli.com

 Eleos-MV: Single-premium, deferred-annuity with a seven-year surrender charge period. First-year interest bonus rate of 3.00%, then an annually renewable rate, currently 3.50%, 10% withdrawal annually, available immediately.     yes

Sage Life Assurance
of America, Inc.
300 Atlantic St., Stamford,
CT 06901
888-502-SAGE

www.sageusa.com

 Sage offers a menu-driven approach to variable annuities with four variable annuity products (B-Share, L-Share, C-Share and Bonus), seven optional riders, and two investment series. The investment series includes traditional and sector investment strategies.   yes  

Standard Life Insurance
Company of Indiana
10689 N. Pennsylvania,
Indianapolis, IN 46280
800-767-7749 (F) 317-574-6278

www.standardagents.com

 The Select Annuity: a traditional fixed annuity with a first-year bonus of 2%. The Select Annuity has a 10-year vesting period and can be annuitized at any time for Social Security life expectancy. yes   yes
COMPANY DESCRIPTION EI VA FIXED

Transamerica Insurance &
Investment Group
1150 S. Olive St.,
Los Angeles, CA 90015
800-PYRAMID (F) 213-741-7242

http://marketing.transamerica.com

 A full portfolio of fixed and indexed annuities for virtually every client need. A variety of terms, surrender periods, cash accessibility, annuitization and payout options from the Transamerica Life Insurance and Annuity Company. yes   yes

Union Central Life
Insurance Company
1876 Waycross Rd.,
Cincinnati, OH 45240
513-595-2702 (F) 513-674-5345

www.unioncentral.com

 Complete line of annuities to meet every need: Single-premium, deferred annuity with 3% minimum guaranteed rate; two variable annuities with 27 subaccounts; flexible annuity with index and fixed options; single-premium immediate annuity. yes yes yes

United of Omaha Life
Insurance Company
Mutual of Omaha Plaza,
Omaha, NE 68175
402-351-8321 (F) 402-351-8158

www.mutualofomaha.com

 United of Omaha offers a wide portfolio of fixed and variable annuity products. Our newest immediate annuity, Income Access, offers unique features including return of premium and increased payout options, plus much more.   yes yes

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