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OPEN HERE!IndexedOAKTREEANNUITY PRODUCT REFERENCE GUIDEUPDATED:03/08/2022MARCHBrokerage2022Your potential annuitysales await!FEEL THE POWER10.00%from EquiTrustLife InsuranceCompany PremiumBonus!!!MarketPower Bonus Index 10% Premium Bonus!Premium Bonus Vested Day 110% Annual Free Withdrawals After First YearFull Account Value at Death 14 year surrender charge scheduleNursing Home Waiver and Terminal Illness Rider6.00% rollup rate for up to 10 years on OptionalIncome Rider!EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B by A.M. Best Company for its relative financial strength and ability to meet itsobligations to policyholders. Surrender of the policy may be subject to a surrender charge and market value adjustment. Withdrawals may be subject to federal income tax and a 10% IRS penalty prior to age59 1/2. Withdrawals do not participate in index returns. Product not available in all states. EquiTrust Life Insurance Company, West Des Moines, IA. Contract is issued on Contract Form Series ET-MPP-2000(02-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05). FOR PRODUCER USE ONLY. AC18-MPP-1123CONTACT US!We will be glad toassist you!Chris Simpson, [email protected] Reynolds, [email protected] Mullins, [email protected] Semler, [email protected](toll-free) 888-591-1341(local) 276-591-1341(fax) 276-591-1344(For Agent Use Only) Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.

Table of Contents - Company Overviews3INDEXED ANNUITIES4GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON5-6AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 221-12347AMERICAN GENERAL LIFE COMPANIES*Policies issued by American General Life and United States Life (NY only)A.M. Best Rating* A (excellent) (888) 438-69338AMERICAN NATIONAL INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 835-53208-9ATHENE ANNUITY & LIFE ASSURANCE COMPANYA.M. Best Rating A (excellent) (855) 428-4363, option 110ATLANTIC COAST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (844) 442-384710THE CAPITOL LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (800) 274-482511EQUITRUST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (866) 598-369412F&G ANNUITIES AND LIFEA.M. Best Rating A- (good) (800)-445-675814GLOBAL ATLANTIC FINANCIAL GROUPA.M. Best Rating A (excellent) (866) 645-244915-17GREAT AMERICAN LIFE INSURANCE COMPANYA.M. Best Rating A (superior) (800) 438-3398 x1199918GUGGENHEIM LIFE & ANNUITY COMPANYA.M. Best Rating A- (excellent) (800) 767-774919LIFE INSURANCE COMPANY OF THE SOUTHWESTA.M. Best Rating A (superior) (800) 906-331020LINCOLN FINANCIAL GROUPA.M. Best Rating A (superior) (800) 238-625221-22NASSAU RE COMPANYA.M. Best Rating B (good) 888-794-444723-25NORTH AMERICAN COMPANY FOR LIFE AND HEALTHA.M. Best Rating A (superior) (877) 586-0242 x3567626OXFORD LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (800) 308-231827SENTINEL SECURITY LIFEA.M. Best Rating B (good) (800) 247-142328-32SILAC LIFE INSURANCE COMPANYA.M. Best Rating B (good) (800) 352-512133THE STANDARD LIFEA.M. Best Rating A (excellent) (800)-378-457834SYMETRA LIFE INSURANCE COMPANYA.M. Best Rating A (excellent) (888) 802-9989(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.*The most prominent independent ratings agencies continue to recognize AmericanGeneral Life Insurance Company in terms of insurer financial strength. For currentinsurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosures for additional information.2

Indexed AnnuitiesUpdated March 8, 2022BonusCapFixedRateS&P 500ParticipationRateMinimumSurrender ValueSurrenderChargePeriodCommission(less at OlderAges)American Landmark 5Select SeriesRetirement Plus 2.00%100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 87.5%1.00% on 87.5%5 years5 years5 years3.75%3.50%6.15%Teton Bonus 7Strategy Plus - 7Performance Elite - 7Choice Accumulation IIDenali 7MarketSeven IndexAccumulator Plus %1.00%100% First Year100% First Year100% First Year100% First Year100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 87.5%1.00% on 100%1.00% on 100%1% on 87.5%1% on 87.5%1.00% on 87.5%7 years7 years7 years7 years7 years7 years7 e Choice 80.00%3.50%1.75%100% First Year1.00% on 87.5%8 years4.75%Performance Elite- 10HighlanderTeton Bonus 10Market Value EIAStrategy Plus - 10Safe ReturnCharter Plus - 10VersaChoiceChoice Accumulation IIMarket 10 BonusRoyal SelectAccumulator Plus 0%1.25%2.05%1.00%100% First Year100% First Year100% First Year100% First Year100% First Year100% For Term100% First Year100% First Year100% First Year100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 100%1.00% on 87.5%1.00% on 87.5%1.00% on 87.5%1.00% on 100%1.00% on 87.5%1.00% on 87.5%1.00% on 87.5%1.00% on 100%1.00% on 87.5%1.00% on 87.5%10 years10 years10 years10 years10 years10 years10 years10 years10 years10 years10 years10 6.00%6.50%6.50%2.75%2.75%3.75%1.40%1.20%1.75%100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 87.5%1.00% on 87.5%14 years14 years14 years8.00%6.50%8.50%Company5 year termGreat American LifeOxford LifeAtlantic Coast Life7 year termSILAC LifeAmerican NationalAthene AnnuityGlobal AtlanticSILAC LifeEquiTrustF&G8 year termNorth American10 year termAthene AnnuityGuggenheimSILAC LifeEquiTrust LifeAmerican NationalGreat American LifeNorth AmericanNorth AmericanGlobal AtlanticEquiTrust LifeOxford LifeF&G14 year termEquiTrust LifeNorth AmericanSILAC Life(Lower Band Rates Shown)Product NameMarket Power BonusCharter Plus - 14Teton Bonus 146.00% for 5yrs8.00%0.00%10.00%9.00% for 7 yrs10.00%Cap S&P 1 Year Point to Point with CAP(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.3

Guarantee Income Rider (Living Benefit) uityAtlanticCoast LifeAtlanticCoast LifeAtlanticCoast Nassau REOxford entIncomeRiderOption 1ACL 50% for 10years6.85% 10years or3.85% plusinterest for10 years7% incomebase bonus10% Simpleyrs 1-105% Simpleyrs 11-207% for 10yearsPlus anadditional1% in firstyear8.00%years 1-102.00%years 11-206.50%years 1-102.00%years 11-2010% IncomeBase Bonus3% Roll UpPlus CreditedRate for 10Years5.00% for 10years7.00% for 7years6.00% for10years5% IncomeBase Bonus,4% roll-up stackingcredits for 10years14.00%SimpleInterest for10 years7.15%annuallyfor first tenpolicy yAnnuallyNoNoNoYes Based onADL’sYes Based onADL’sYes Based onADL’sYes Based %0.95%1.00%1.25%1.25%0.90%0.95%0.95%Roll-up Rate inAccumulation PeriodInterest CreditedIncome W/D Multiplier Confinement Feature(See Contract for Qualifying Confinement Criteria)NoNoYes180 days ofconfinement,Not availablein all statesStart Stop OptionYesYesYes1.10%1.00%0.70% withstacking1.00%1.05%1.25% feeyears 1-5,1.60% feeyears 6-10(10 yearcontract)Increasing Benefit OptionYesNoYesNoNoNoNoNoNoNoNoNoNoGuaranteed Payments drawal Phase WaitingPeriod1 Year and 60year old1 year and 50year oldAge 50Age 55ImmediateImmediate1 Years and50 year old1 Years and50 year old1 Years and50 year old1 Years and50 year old1 Year and 60year oldAge 501 Year and50 year oNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesAll except:NYAll except:CA, NYAll except:NYAll except:NJ, NY, WAAll except:SDAll except:FLAll except:NYAll except:NYAll except:NY, ORAll except:CA, DE, NYAll except:NYSee Page 22All except:AL, NY, VT,WV (MT &CA for 040-8540-7550-800-8050 Rider Charge(calculated annually against the IAV,deducted monthly from AV)Rider Charge RefundAccount Available at DeathJoint Lifetime WithdrawalOption availableState AvailabilityIssue AgesOptionto add 10more yearsavailable!For Agent Use Only.Not for Use with the Public.4

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)INDEXEDMinimumPremiumBonus GoldMinimum: 5,00010% PremiumBonus on all 1st year premiumsNEWMaximum:18-69 1,500,00070-74 1,000,000WithdrawalProvisions10% of Contract Value Annually,Starting Yr 2. Systematic W/D& RMD Immediately from FixedValue.3Surrender Charges16 years(20, 19.5, 19, 18.5, 18, 17.5, 17, 16,15, 14, 12, 10, 8, 6, 4, 2, 0%)DE - 17 yearIssueAgesMVAY YesN NoN8% Premium Bonus on all 1st year premiumsIN ( 8% ages 18-73, 5% ages 74-78)NEWAssetShield SeriesMaximum:18-69 1,500,00070-74 1,000,000Minimum: 5,000*Call for California rates*70-74 1,000,00075-80 750,00081-85 500,000Min (Qual): 5,000Max:40-69: 1,500,00070-75: 1,000,000FlexShield 10NEW10% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days7.00% ages 18-7810 years(12.5,12,12,11, 10,9,8,7,6,4,0%)18-78 Q and NQN8% bonus fully vested after year 14IN(7.00% ages 18-75)FL(7.00% ages 18-64)AK, CA, CT, DE, FL, MN,NV, NY, NJ, OH, OK, OR,PA, SC,TX, UT, WA75-80 750,000Maximum:18-69 1,500,000NEWAK, CA, CT, DE, MN, MT,NV, NY, OH, OK, OR, PA,SC, TX, UT, WA, NJMinimum: 5,0005 year, 7 year, and 10 year optionsEstateShield 1020% Initial Bonus on LIBR!5.25% ages 76-80Florida7.00%Ages 18-6475-80 750,000Retirement GoldStates Not Available7.00%Ages 18-7518-80 Q and NQFL ONLY18-64 Q & NQCommissionMinimum Premium: 5,000Maximum Premium: 1869: 1,500,00070-74: 1,000,00075-79: 750,00080: 500,000(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.10% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.Riders:ICC19 R-NCRICC19 R-TIRICC16 R-MVAICC18 R-WSC10% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.5 year18-75: 3.75%76-80: 2.81%81-85: 1.88%18-85: 9.20, 9, 8, 7, 6, 0% (5 yrs.)18-85: 9.20, 9, 8, 7, 6, 4, 2, 0% (7yrs.)18-85Y18-80: 9.20, 9, 8, 7, 6, 5, 4, 3, 2, 1,0% (10 yrs.)7 year18-75: 4.50%76-80: 3.38%81-85: 2.25%CA, ID, NY10 year18-75: 6.00%76-80: 4.50%10 Years9.20, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0%40-75Y6.50%CA, DE, ID, NY10 years(9.20, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0)2. SysY18-75: 6.00%76-80: 4.50%CA, DE, FL, ID, ND, NYUp to 10% of contract value annually, starting year twoSystemic Withdrawal of interestonly from the Fixed InterestStrategy, available after 30 days5

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)INDEXEDMinimumPremiumIncomeShield 7Minimum: 5,0007% Premium Bonus on all 1st Year PremiumsMaximum:50-69 1,500,00070-74 1,000,000WithdrawalProvisions10% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.Surrender ChargesIssueAgesMVAY YesN No50-80Y18-80Y18-80Y18-80Y18-80Y7 yearsIssue Ages 50-80: 9.20, 9, 8, 7, 6,4, 2, 0%CommissionAges 50-75: 5.00%Ages 76-80: 3.75%States Not AvailableCA, NY75-80 750,000IncomeShield 107% Premium Bonus on all 1st Year PremiumsMinimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00010% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.10 yearsIssue Ages 18-80: 9.10, 9, 8, 7, 6, 5,4, 3, 2, 1, 0%Ages 18-75: 6.25%Ages 76-80: 4.70%CA, NY75-80 750,000INCOMESHIELD 10 WITH LIBR7% Premium Bonus on all 1st Year PremiumsMinimum: 5,000Maximum:50-69 1,500,00070-74 1,000,00010% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.10 yearsIssue Ages 50-80: 9.10, 9, 8, 7, 6, 5,4, 3, 2, 1, 0%Ages 18-75: 6.25%Ages 76-80: 4.70%CA, NY75-80 750,000Destinations 10Minimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00010% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.10 yearsIssue Ages 18-80: 9.20, 9, 8, 7, 6, 5,4, 3, 2, 1, 0%Ages 18-75: 6.00%Ages 76-80: 4.50%CA, ID75-80 750,000Destinations 9(CA ONLY)Minimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,000(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.10% of Contract Value Annually, Starting Yr 2. SystematicWithdrawal of interest only fromthe Fixed Value, available after30 days.9 yearsIssue Ages 18-80: 8.25, 8, 7, 6, 5, 4,3, 2, 1, 0%Ages 18-75: 6.00%Ages 76-80: 4.50%6

AMERICAN GENERAL LIFE COMPANIES (AGLC)INDEXEDMinimumPremiumPower 5 AgesMVAY YesN NoCommissionStates NotAvailable5 years(8,7,6,5,4)18-85Q & NQY0-803.25%NYPenalty Free Withdrawal After the first contract year, 10% of the previous contract anniversary contractvalue (which includes any interest credited on that date). Note: Penalty-free withdrawals are notpermitted during the first contract year, unless it is a withdrawal of the RMD (some statesrequire that the 10% penalty-free withdrawal be available in the first contract year). 25,000Q & NQThe Minimum Withdrawal Value is equal to: 87.5% of premiums (90% in New Jersey) less any withdrawals (excluding any withdrawal charges or any applicable MVA associated with those withdrawals)(excluding any withdrawal charges or any applicable MVA associated with those withdrawals) (excluding any withdrawal charges or any applicable MVA associated with those withdrawals) accumulatedat a rate specified in the contract. Note 1.) 1.00%, as of 7/1/19 2.) For non-MVA states, “anyapplicable MVA” would not applyMarket Value Adjustment Applies to any withdrawal subject to a withdrawal charge and annuitizationthat occurs during the withdrawal charge period. The MVA is applied to amounts withdrawn and is notapplied to remaining contract value. Note: MVA does not apply in the following states: AK, MN,MO, OR, PA, UT and WA.Power 7 ProtectorNEW 25,000Q & NQFree withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. These riders may not be available in all states. Pleasesee your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. NoGuaranteed Living Benefit Rider is available.7 years(8,7,6,5,4,3,2)18-85Q & NQY4.75% - (0-80)2.75% - (81-85)NY 25,000Q & NQFree withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. These riders may not be available in all states. Pleasesee your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info.Guaranteed Living Benefit Rider is available.7 years(8,7,6,5,4,3,2)50-80Q & NQY4.75% - (50-80)NY 25,000Q & NQFree withdrawals: After the first contract year, you can take out up to 10% of your contract value without incurring any withdrawal charges or MVA. Easy access to your money in times of need or illness:The withdrawal charge and MVA may be waived if you: Are diagnosed with a terminal illness, Haveextended care needs, Are confined to a nursing home or an assisted living facility. Restrictions andlimitations apply. These riders may not be available in all states. Please see your agent and refer tothe Owner Acknowledgment and Disclosure Statement for more info. No Guaranteed Living BeneitRider is available.10 years(10,9,8,7,6,5,4,3,2,1)18-75Q & NQY7.00% - (0-70)NYY7.00% - (0-70)NY*(2% for entire 2-year term)Power 7 Protector PlusIncomeNEW*(2% for entire 2-year term)Power 10 ProtectorNEWPower 10 Protector withIncomeNEW 25,000Q & NQDeath Benefit: Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges andMVA or the Minimum withdrawal value. Free Withdrawals: After the first contract year, clients may withdraw up to 10% of theannuity value (based on the previous contract anniversary) without withdrawal charges or MVA. No Free Withdrawals areallowed in the first contract year (unless required by state law or taken under Lifetime Income Plus or as Required MinimumDistributions). If Lifetime Income 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 Withdrawal. Terminal Illness, Extended Care and Activities of Daily Living Riders: The withdrawal chargeand MVA may be waived if the contract owner: Is diagnosed with a terminal illness, has extended care needs or requiresassistance with activities of daily living.These riders are no available in all states. Required Minimum Distributions (RMDs):If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimumamount of retirement income must be paid each year beginning in the year the owner turns to age 70 1/2. These paymentsare known as RMDs. Withdrawal charges and MVA will not apply to RMDs attributable to a Power Index Plus contract at anytime after issue, including the first contract year. RMD amounts do count against the 10% Free Withdrawal amount, therebyreducing or possibly eliminating the ability to take other Free Withdrawals within a contract year. Failure to satisfy the RMDrequirements may result in a tax penalty. Clients should consult their tax advisor for more information. Annuitization Choices:Clients can choose from five options, AKA Income plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivorannuity with 10- or 20-year period certain; 40 Life annuity with 10- or 20-year period certain; and 5) Income for a specifiedperiod (5-30 years). Cash Surrender Value: Equals the greater of the Minimum Withdrawal Value or the contract valueadjusted for any MVA, optional living benefit fee and withdrawal charge. Lifetime Income Plus is an optional guaranteedliving benefit rider. The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation ofthe contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The IncomeBase is initially equal to the first eligible premium; it is increased with each additional eligible premium.10 years(10,9,8,7,6,5,4,3,2,1)50-75Q & NQ7(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change. Check for current state approvals.

AMERICAN NATIONAL INSURANCE COMPANY (ANL)CurrentInterestINDEXEDAmerican NationalStrategy Plus - 10(1.00% Premium Bonus)American NationalStrategy Plus - 7(1.00% Premium Bonus)GuaranteedInterest10-Year7-Year1-Yr Specified Rate3.95%3.85%1-Yr Point-to-Point Method:100% Participation Cap5.00%4.85%50% Participation Cap5.50%5.40%Lifetime Income Rider Fixed Rate7.20%7.20%Rider Premium Charge1.00%1.00%Lifetime Income Rider (Indexed Credit Fixed Rate)Fixed Rate Indexed Credit4.20% Indexed CreditAccumulation Period10 Yr10 YrRider Premium Charge0.70%0.70%Declared Rate2.25%2.15%1-Yr Monthly Sum: Cap2.35%2.25%1.00% to87.5% ofPremiumNAIC nderChargesNQ & Q 10,000Free 10% withdrawal after year 1. Confinement waiver: Surrendercharges may be waived when the contract owner is confined to alicensed hospital, licensed convalescent care facility, skilled nursingfacility, custodial care facility, or licensed hospice facility for 60 ormore days. This special waiver of surrender charge is available to youbeginning 90 days after issue. Disability waiver: Prior to age 65, surrender charges may be waived when the contract owner is physicallydisabled, or diagnosed with a disabling terminal illness. This specialwaiver of surrender charge is available to you after issue. TerminalIllness Waiver: Surrender charges may be waived when the contractowner is diagnosed with an injury or illness expected to result in deathwithin 12 months. This special waiver of surrender charges is availableto you after issue. Death Benefit: At the death of the owner, the greaterof the Annuity Value or the Surrender Value will be paid.IssueAgesMVAY YesN NoY10 Years(9,9,8,7,6,5,4,3,2,1)(No MVAin AK,FL,MO,WA)CommissionStatesNotAvailable7.00%Ages 0-755.50%Ages 76-80NY5.00%Ages 0-754.00%Ages 76-80NY0-80Q&NQ7 Years(7,6,5,4,3,2,1)Y(No MVAin FL,WA)ATHENE ANNUITY & LIFE ASSURANCE COMPANY (ALA)INDEXEDMinimumPremiumPerformance Elite 7PLUS premium Bonus (Moststates): 6.00%WithdrawalProvisionsMinimum: 10,000, ( 25,000in TX)Elite PLUS growth liquidity: Enhanced premium bonus, up to 10%free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Premium Benefit available after the fourth contract year. 0.95% charges from accumulatedvalue during rider charge period.Terminal Illness Waiver Confinement Waiver are included.Death Benefit: Greatest of (i) Accumulated Value with no surrendercharges, (ii) the Minimum Guaranteed Contract Value or (iii) theReturn of Premium Benefit (if applicable).PLUS premium Bonus:10.00% (Most States)PLUS CA - 8.00%IN - 14.00%DE - 15.00%MVAY YesN No7 Years9% (year 1)8.8% (year 2)7.9% (year 3)6.9% (year 4)5.9% (year 5)5% (year 6)4% (year 7)CommStates NotAvailable5.25%ages 0-750-83Y4.75%ages 71-753.75%ages 76-80NY3.25%ages 81 5% free withdrawals starting in year 2.Single premium onlyMinimum: 10,000, ( 5,000 inCT, MN, NJ, OR, PA,TX, WA)Maxiumum: 1,000,000Performance Elite 15Premium Bonus: 9.00%PLUS premium Bonus:17.00%IssueAges10% free withdrawals starting in year 1.Maxiumum: 1,000,000Performance Elite 10Premium Bonus: 4.00%(Most States)Surrender ChargesElite PLUS growth liquidity: Enhanced premium bonus, up to 10%free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Premium Benefit available after the fourth contract year. 0.95% charges from accumulatedvalue during rider charge period.Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA orMA) are included.10 Years(12, 12, 12, 11, 10, 9, 8,7, 6, 4)0-78 most statesYCall for other states(N/A in MD,MN,MO,PA, WA)Death Benefit: Greatest of (i) Accumulated Value with no surrendercharges, (ii) the Minimum Guaranteed Contract Value or (iii) theReturn of Premium Benefit (if applicable).6.75%ages 0-755.00%ages 71-75NY5.25%ages 76-785% free withdrawals starting in year 2. 10,000Single premium onlyElite PLUS growth liquidity: Enhanced premium bonus, up to 10%free withdrawals, available immediately! Up to 20% free if no withdrawals are taken in the prior year. Return of Premium Benefit available after the fourth contract year. 0.95% charges from accumulatedvalue during rider charge period.Terminal Illness Waiver (not in CA), Confinement Waiver (not in CA orMA) are included.15 Years(15, 15, 14, 14, 13, 13,12, 11, 10, 9, 8, 7, 6, 5, 4)0-73 Most statesYCall for other states(N/A in MD,MN,MO,PA, WA)6.75%ages 0-756.25%ages 71-73CA, CT, ID, MN, MT, NJ, NY,OH, OR, PA, UT, WADeath Benefit: Greatest of (i) Accumulated Value with no surrendercharges, (ii) the Minimum Guaranteed Contract Value or (iii) theReturn of Premium Benefit (if applicable).(For Agent Use Only) Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.8

ATHENE ANNUITY & LIFE ASSURANCE COMPANY (ALA)INDEXEDMinimumPremiumAthene Agility 10Minimum 10,000( 25,000 in TX)Maximum 1,000,000Athene Ascent Pro 10WithdrawalProvisionsMaximum of 10% of Accumulated Value or 10% of Initial Premium per year,Withdrawals may be subject to federal and state income tax and except undercertain circumstances, will be subject to an IRS penalty if taken prior to age59 1/2.You can withdraw up to 100% of your annuity’s Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in deathwithin one-year and you meet the eligibility requirements. This waiver is available after your first Contract Anniversary. You may not be diagnosed duringthe first Contract year. Additional limitations state variations and exclusionsmay apply. Please see the Certificate of Disclosure for more information.Single premiumonlyBailout feature!Terminal Illness Waiver (not in CA)Ascent Pro 10 Bonus 5,000 - AK, CT, HI,MN, NJ, OR, PA,TX, UT, WACA(9,8.2,7,5.9,4.8,3.6,2.5,1.3,1)MVAY YesN NoCommissionStates NotAvailable40-80Yes0-70: 6.00%71-75: 5.50%76-80: 5.00%NY10 Years(9,9,8,7,6,5,4,3,2,1)0-70: 5.50%71-75: 5.00%76-80: 4.00%NY0-70: 6.50%71-75: 6.00%76-80: 5.00%NYYes35-80(No MVA in AK, HI,MN, MO, NJ, OR, PA,UT, WA)Confinement Waiver (Not in CA or MA)Maxiumum: 1,000,000 10,00010 Years(9,9,8,7,6,5,4,3,2,1)IssueAges10% free withdrawals per yearMinimum: 10,000, ( 5,000in AK, CT, HI, MN,NJ, OR, PA, TX,UT, WA)Premium Bonus: 3%(ask about vesting schedule)Surrender Charges10% of Accumulated Value per year. Withdrawals may be subject to federaland state income tax and, except under certain circumstances, will be subjectto an IRS penalty if taken prior to age 59 1/2Terminal Illness Waiver - You can withdraw up to 100% of your annuity’sAccumulated Value if the Annuitant is diagnosed with a Terminal Illness thatis expected to result in death within one year and you meet the eligibilityrequirements. This waiver is available after your first Contract Anniversary.You may not be diagnosed during the first Contract Year. Additional limitations, state variations and exclusions may apply. Please see the Certificate ofDisclosure for more information.10 Years12, 12, 12, 11, 10, 9, 8, 7, 6, 4(AL, AR, AZ, CO, DC, FL (ages35-64).GA, IA, ID, IL, IN, KS, KY, LA, MA,MD, ME, MI, MO, MS, MT, NC, ND,NE, NH, NM, RI, SD, TN, VA, VT,WI, WV, WY)10 Years8.3, 8, 7.1, 6.2, 5.3, 4.4, 3.5, 2.6,1.6, 0.9(AK, CT, DE, HI, MN, NJ, NV, OH,OK, OR, PA, SC, TX, UT, WA)Yes65-80(No MVA in MO)10 Years10, 10, 10, 9, 8, 7, 6, 5, 4 (FL)(For Agent Use Only) Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.9

ATLANTIC COAST LIFE INSURANCE COMPANY (ACL)MinimumPremiumINDEXEDRetirement PlusMultiplier Annuity 5 5,000Q-NQ Retirement PlusMultiplier Annuity 7 5,000Q-NQ Retirement PlusMultiplier Annuity 10 5,000Q-NQ Accumulation Protector Plus5.00% Premium BonusRate Enhancement Rider: Higher Par,Cap, Trigger and Fixed rates, increasesfree withdrawal by 5%, and 110% Returnof Premium. Rider: 0.95% feeMinimum Single Premium: 5,000Maximum Single Premium: 1,000,000Surrender ChargesIssueAgesMVAY YesN NoCommissionStates NotAvailableRMDs are available Penalty Free in all yearsUp to 5% of the Accumulation Value is availablePenalty Free after the first contract yearA maximum of two withdrawals are allowed eachContract YearMinimum withdrawal amount of 250; Minimumaccount value after withdrawal is 2,50010, 9, 8, 7, 60-85Yes0-75: 6.15%76-80: 4.90%81 : 2.65%AK, CA, CT, DE, ID, ME,MI, MN, NH, NJ, NY, WIRMDs are available Penalty Free in all yearsUp to 5% of the Accumulation Value is availablePenalty Free after the first contract yearA maximum of two withdrawals are allowed eachContract YearMinimum withdrawal amount of 250; Minimumaccount value after withdrawal is 2,50010, 9, 8, 7, 6, 5, 40-85Yes0-75: 6.65%76-80: 5.40%81 : 3.15%AK, CA, CT, DE, ID, ME,MI, MN, NH, NJ, NY, WIRMDs are available Penalty Free in all yearsUp to 5% of the Accumulation Value is availablePenalty Free after the first contract yearA maximum of two withdrawals are allowed eachContract YearMinimum withdrawal amount of 250; Minimumaccount value after withdrawal is 2,50010, 9, 8, 7, 6, 5, 4, 3, 2, 10-85Yes0-75: 7.15%76-80: 5.90%81 : 4.90%AK, CA, CT, DE, ID, ME,MI, MN, NH, NJ, NY, WIWithdrawalProvisionsFree WithdrawalsUp to the greater of 5% of the Accumulation Value orthe Required Minimum Distribution may be withdrawnwithout any Surrender Charges, forfeiture of Nonvested Bonus, or Market Value Adjustment startingin year two.Nursing Home WaiverMust be confined to a nursing home for a period of atleast 90 consecutive days. There is a waiting periodof one year. If the owner is confined to a nursinghome during the waiting period, this benefit would notbe available in certain states.7.00%(0-75)10, 9, 8, 7, 6, 5, 4, 3, 2,1, 0 (11 )0-85NO5.75%(76-80)4.75%(81 )AK, CA, CT, DE, ID, ME,MI, MN, ND, NH, NJ, NY,SD, WITHE CAPITOL LIFE INSURANCE COMPANY (CAP)INDEXEDSummit Prime 5Summit Prime 7Summit Prime 10MinimumPremiumWithdrawalProvisionsSurrender ChargesIssueAgesMVAY YesN NoCommissionStates NotAvailableMin (Qual): 5,000Min (Non-Qual): 10,000Max: 500,000 (Premium over 500,00 requires priorapproval of Jumbo Questionnaire)10% of Accumulated Value after Yr 1 is penalty-free.Health Care Benefits: Nursing Home Confinement,Terminal Illness Diagnosis, Total Disability, HomeHealth Care.5 Years9,9,8,7,60-89YesAge 0-75: 3.75%Age 76-89: 2.00%NY, CA, RI

Feb 01, 2022 · 11 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating B (good) (866) 598-3694 12 F&G ANNUITIES AND LIFE A.M. Best Rating A- (good) (800)-445-6758 14 GLOBAL ATLANTIC FINANCIAL GROUP A.M. Best Rating A (excellent) (866) 645-2449 15-17 GREAT AMERICAN LIFE I