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AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)FIXEDPRODUCTSCurrentInterestGuarantee 5GuaranteedInterestGuarantee 51.80%Guarantee 6MGIR:Currently 1.75%Guarantee 71.90%GuaranteeShield 3GuaranteeShield 32.10%GuaranteeShield 5Minimum GuaranteedInterest:Currently 1.00%GuaranteeShield 52.50%NEWMGIR is set at issueand guaranteedfor the life of thecontract.Maximum:18-69: 1,500,00070-74: 1,000,00075-80: 750,00081-85: 500,000Min: 10,000Max:18-69 1,500,00070-74 1,000,00075-79 750,000SurrenderChargesAnnually, Penalty-free withdrawal of interestcredited that contract year. Systematic Withdrawal & RMD immediately6 years(9, 8, 7, 6, 5, 4, 0%)18-85 Q and NQPalladiumMYGCentury PlusCurrentInterest5 Year6 Year7 Year8 Year9 Year10 YearGuaranteedInterest 99,999and below 100,000 to 249,999 250,000and ime Income RiderFixed Rate - 7.20%Accumulated Period - 10 YearsRider Premium Enhancement - N/ARider Premium Charge - 1.00%DiamondCitadel - 51st Year Base Rate 100,000 2.70%1.70% 100,000 2.60%1.60%DiamondCitadel - 7(2 year rate)NAIC States1.75% 5,000Q&NQ 100,000Yr. 1 - 6.80%, Base Rate - 1.80% 100,000Yr. 1 - 6.70%, Base Rate - 1.70%(2 year rate)1.00%MinimumPremium1st Year Base Rate 100,000 3.95%1.95% 100,000 3.85%1.85%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.Y7 years(9, 8, 7, 6, 5, 4, 3, 0%)10% of Contract Value Annually, StartingYear 2.3 years(9, 8, 7, 0%)5 years(9, 8, 7, 6, 5, 0%)WithdrawalProvisionsMonthly interest option. 10% free beginning yr 2. Transplantsurgery waiver. Confinement Waiver. Available thru issueages. Full account value paid at death.CommissionStates NotAvailable3.00%Ages 18-752.10%Ages 76-80NY1.50%Ages 81-8518-85 Q and NQAMERICAN NATIONAL INSURANCE COMPANY (ANL)FIXEDPRODUCTSMVAY YesN NoIssueAges5 years(9, 8, 7, 6, 5, 0%)Minimum: 10,000Guarantee 61.85%Guarantee 7WithdrawalProvisionsMinimumPremiumRates effective as of 01-25-2021YAge 18-80: 1.50%(3 Year)Age 81-85: 1.13%(3 Year)Age 18-80: 2.25%(5 Year)Age 81-85: 1.69%(5 Year)CA, DE, NYRates effective as of 02-01-2021Surrender Charges5-yr 8,8,8,7,66-yr (8,8,8,7,6,5)7-yr (8,8,8,7,6,5,4)8-yr(8,8,8,7,6,5,4,3)9yr 8,8,8,7,6,5,4,3,210yr 8,8,8,7,6,5,4,3,2,1(30 day bail out afterguaranteed period)IssueAgesMVAY YesN NoCommission5-yr 2.50%-0-796-yr 2.50%-0-797-yr 2.50%-0-798-yr 2.50%-0-799-yr 2.50%-0-7910-yr ilableAvailable in allstates0-90Y0-80Y5.00%-ages 0-753.00%-ages 76-80Available in allstatesStarting in the first contract year, you can withdraw up to10% of your annuity value as of the beginning of your annuity’s contract year, without any surrender charges.1.00%NAIC States1.75%1.00%NAIC States1.75%1.00%NAIC States1.75% 5,000Q&NQMax 1,000,000You can request an amount to be withdrawn from CenturyPlus on a regular basis. They systematic withdrawal canbe for either the earned interest only or for a specific fixedamount. Please keep in mind that when the sum of anysystematic withdrawal payments and partial surrendersexceeds 10% of the contract’s beginning year annuity value,a surrender charge and market value adjustment or excessinterest deduction, if applicable, will be charged.10 years(10,9,8,7,6,5,4,3,2,1)CA(9,8,7,6,5,4,3,2,1,0) 5,000-Q&NQ(Initial depositsover 100,000receive .10additional basispoints)10% Penalty Free beginning year 1. Mo. interest option. Full accountvalue paid at death. Principal Guarantee: Minimum surrender value is areturn of premiums paid, less any cumulative withdrawals. The policy willnow be owner driven. The death benefit will be paid only upon death ofowner, not the annuitant. Please note this will affect chargebacks. In theevent of a death or full surrender in the first year, and owner is over 80,there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is changing from 60days to 30 days. If the contract owner is confined for will be imposed onany surrender or withdrawal. Please note Terminal Illness is included inthe disability waiver.5 years(7,7,7,6,5)0-85NQ & QN3.00%-Ages 0-802.00%-Ages 81-85Available in allstates 2,000Q 5,000NQ(Initial dep.over 100K receive .10 add.basis points.)Add. Prem 1,000 randomor 100/mo.bank draft.10% Penalty Free beginning year 1. Mo. interest option. Full accountvalue paid at death. Principal Guarantee: Minimum surrender value is areturn of premiums paid, less any cumulative withdrawals. The policy willnow be owner driven. The death benefit will be paid only upon death ofowner, not the annuitant. Please note this will affect chargebacks. In theevent of a death or full surrender in the first year, and owner is over 80,there will be a 100% chargeback. Now being marketed as only Confinement and Disability. The definition of Confinement is changing from 60days to 30 days. If the contract owner is confined for will be imposed onany surrender or withdrawal. Please note Terminal Illness is included inthe disability waiver.7 years(7,7,7,6,5,4,2)0-85NQ & QN3.50%-Ages 0-802.50%-Ages 81-85(for 1st 3 years)Available in allstates4

AMERICAN GENERAL LIFE COMPANIES (AGLC)FIXEDPRODUCTSCurrentInterestAmerican PathwaySMFixed 5 AnnuityGuaranteedInterestMinimumPremiumWith Guarantee ROP:1.50%(MVA) 1.65% 100,000Year 51.30%(MVA) 1.45%1.00%Without Guarantee ROP: 5,000 NQ 2,000 Q1.60%(MVA) 1.75%American PathwaySMFixed 7 Annuity1.40%(MVA) 1.55%With Guarantee ROP:1.50%(MVA) 1.65% 100,000Year 71.30%(MVA) 1.45%1.00%Without Guarantee ROP: 5,000 NQ 2,000 Q1.70%Year 7American PathwayVisionMYG1.50%(MVA) 1.65%Low BandHigh Band4 Year1.45%1.75%5 Year1.70%2.00%6 Year1.70%2.00%7 Year1.70%2.00%10 Year1.70%2.00%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.7 years(9,8,7,6,5,4,2)0-90(0-85 inNY)Q&NQCommissionYAges0-85: 2.00%86-90: 1.00%States NotAvailableAvailable in allstates, somevarations(MVA is notavailable in NY)Terminal Illness Waiver: Early withdrawal charge fees will be waived on one fullor partial withdrawal upon the diagnosis of a terminal illness that will result in thedeath of a contract owner within one year. Written documentation from a qualifiedphysician is required.YAges0-85: 2.50%86-90: 1.25%Available in allstates, somevarations(MVA is notavailable in NY)Optional Return of Premium Guarantee: The annuity may be returned at anytimefor an amount equal to the single premium paid, less prior withdrawals, or thewithdrawal value, whichever is greater. Adding this feature will result in a slightlylower initial interest rate than a contract without the feature would receive.(MVA) 1.85% 100,000SMTerminal Illness Waiver: Early withdrawal charge fees will be waived on one fullor partial withdrawal upon the diagnosis of a terminal illness that will result in thedeath of a contract owner within one year. Written documentation from a qualifiedphysician is required.Death Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibution 100,000Year 75 years(9,8,7,6,5)0-90(0-85 inNY)Q&NQMVAY YesN NoPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees willbe waived if the owner is confined to a qualifying insitution or extended care facilityfor 90 consecutive days or longer. 100,000Year 7IssueAgesOptional Return of Premium Guarantee: The annuity may be returned at anytimefor an amount equal to the single premium paid, less prior withdrawals, or thewithdrawal value, whichever is greater. Adding this feature will result in a slightlylower initial interest rate than a contract without the feature would receive. 100,000Year 5SurrenderChargesDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibution 100,000Year 5WithdrawalProvisionsPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees willbe waived if the owner is confined to a qualifying insitution or extended care facilityfor 90 consecutive days or longer. 100,000Year 5Rates effective as of 01-19-2021Penalty-Free Withdrawal Privilege: After Year 1, 15% free withdrawals. After 30days from contract date1.00% 10,000 Q&NQDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/shemay elect to become the new “owner” or receive a disttibutionEarly Withdrawal Charge Waiver: After the first contract year, withdrawal chargefees will be waived if the owner cannot perform two or more of the six definedactivities of daily living (bathing, continence, dressing, eating, toileting, andtransferring) for at least 90 consecutive days. Written certification by a licensedhealthcare practitioner is required.10 years(8,8,8,7,6,5,4,3,2,1)In New York7 Years(7,6,5,4,3,2,1)0-85Q&NQY4 year - 1.50%5 year - 1.50%6 year - 2.00%7 year - 2.00%10 year - 2.00%NY(SolutionsMYGproduct availablein NY)Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, TX 77019 The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life InsuranceCompany (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies (or annuities) and riders not available in all states.These contracts are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is nota deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution.5

Rates Effective as of 01-16-2021ATHENE ANNUITY & LIFE ASSURANCE COMPANY (ALA)FIXEDPRODUCTSMaxRate:Multi-Year FixedStrategyMaxRate:1-Year Fixed(additional premium)MaxRate:Multi-Year FixedStrategyCurrentInterestHigh Band 100,000Low BandUp to 100,00GuaranteedInterest3 year5 year7 year1.30%1.90%2.00%1.00%1.15%1.75%1.85%3 year5 year7 yearHigh Band 100,0001.30%1.90%2.00%Low BandUp to 100,001.15%1.75%1.85%1.00%MinimumPremium 10,000Q&NQAdditionalPremium 1,000 perpayment 10,000Q&NQAdditionalPremium 1,000 eAgesFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.3 year(10,10,10)0-85(3 year)Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.5 year(10,10,10,10,10)0-83(5 year)Flexible Premium!7 year(10,10,10,10,10,10,10)0-83(7 year)3 year(10,10,10)0-85(3 year)5 year(10,10,10,10,10)0-83(5 year)7 year(10,10,10,10,10,10,10)0-83(7 year)3 year(10,10,10)0-85(3 year)5 year(10,10,10,10,10)0-83(5 year)7 year(10,10,10,10,10,10,10)0-83(7 year)Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)Free Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)3 year5 year7 yearHigh Band 100,0001.30%1.85%1.95%Low BandUp to 100,001.15%1.70%1.80%1.00% 10,000Q&NQAdditionalPremium 1,000 perpaymentFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)MaxRate:1-Year Fixed(additional premium)3 year5 year7 yearHigh Band 100,0001.30%1.85%1.95%Low BandUp to 100,001.15%1.70%1.80%1.00% 10,000Q&NQAdditionalPremium 1,000 perpaymentFree Withdrawal - Equal to the Multi-Year Fixed Strategy rate multiplied by the accumulated Value (as of themost recent Contract Anniversary) beginning in the firstcontract year.Required Minimum Distribution (RMDs) - Consideredpart of your annual Free Withdrawal, even if theyexceed your Free Withdrawal amount.Flexible Premium!Terminal Illness Waiver and Confinement Waiver builtin (not available in all states)(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 year(10,10,10)5 year(10,10,10,10,10)7 year(10,10,10,10,10,10,10)MVAY YesN NoStates ONLYAvailable inCommissionYAge0-7071-7576-8081 3 Year1.30%1.30%.90%.40%5 Year2.00%2.00%1.80%1.10%7 Year2.50%2.50%2.25%1.30%AL, AZ, AR, CO, DC,FL, GA, IL, IN, IA,KS, KY, LA, ME, MA,MI, MS, MT, NE, NH,NM, NC, ND, RI, SD,TN, VT, VA, WV, WI& WYNAge0-7071-7576-8081 3 Year1.30%1.30%.90%.40%5 Year2.00%2.00%1.80%1.10%7 Year2.50%2.50%2.25%1.30%AL, AZ, AR, CO, DC,FL, GA, IL, IN, IA,KS, KY, LA, ME, MA,MI, MS, MT, NE, NH,NM, NC, ND, RI, SD,TN, VT, VA, WV, WI& WY*Commissions paid on first yearpremiums only.YAge0-7071-7576-8081 3 Year1.30%1.30%.90%.40%5 Year2.00%2.00%1.80%1.10%7 Year2.50%2.50%2.25%1.30%AK, CA, CT, DE, HI,ID, MD, MN, MO,NV, NJ, OH, OK, OR,PA, SC, TX, UT, WAYAge0-7071-7576-8081 3 Year1.30%1.30%.90%.40%5 Year2.00%2.00%1.80%1.10%7 Year2.50%2.50%2.25%1.30%AK, CA, CT, DE, HI,ID, MD, MN, MO,NV, NJ, OH, OK, OR,PA, SC, TX, UT, WA0-85(3 year)0-83(5 year)0-83(7 year)*Commissions paid on first yearpremiums only.6

Rates Effective as of 01-19-2021ATLANTIC COAST LIFE INSURANCE COMPANY (ACL)FIXEDPRODUCTSCurrentInterestSafe HarborNEWDeath BenefitFeature 0.25% interestreductionAll Other5 Year (Rate)6 Year (Rate)7 Year (Rate)10 Year (Rate)20 Year (Rate)Safe HavenNEWPreferred10% FreeWithdrawal 0.15% interestreductionDeath BenefitFeature 0.25% interestreductionAccumulatedInterestWithdrawal 0.05% interestreductionMinimumPremium6 Year (Rate)7 Year (Rate)10 Year (Rate)20 Year (Rate)Year 1: 3.65%Year 2 : 2.75%Year 2 : 2.65%Effective** Compund Level Rate: 2.79%Effective** Compound Level Rate: 2.70%Year 1: 3.90%Year 1: 3.80%Year 2 : 2.90%Year 2 : 2.80%Effective** Compound Level Rate: 2.85%Effective** Compound Level Rate: 2.77%Year 1: 4.05%Year 1: 3.90%Year 2 : 3.05%Year 2 : 2.90%MinimumPremium: 5,000Effective** Compound Level Rate: 2.92%Effective** Compound Level Rate: 2.80%Year 1: 4.35%Year 1: 4.20%Year 2 : 3.35%Year 2 : 3.20%Effective** Compound Level Rate: 3.01%Effective** Compound Level Rate: 2.89%Years 1-5: 2.20%Year 1: 2.05%Year 6-10: 3.20%Year 6-10: 3.05%Year 11-15: 5.20%Year 11-15: 5.05%Year 16-20: 6.20%Year 16-20: 6.05%Effective** Compound Level Rate: 3.10%Effective** Compound Level Rate: 3.01%A surrendercharge appliesto all withdrawalsduring a contractterm unless arider is selected.Thesurrendercharge amountis a percentageof the amountwithdrawn.3-Year9% 8% 7%4-Year9% 8% 7% 6%5-Year9% 8% 7% 6% 5%6-Year9% 8% 7% 6% 5% 5%7-Year9% 8% 7% 6% 5% 5% 5%8-Year9% 8% 7% 6% 5% 5% 5% 5%9-Year9% 8% 7% 6% 5% 5% 5% 5% 5%10-Year9% 8% 7% 6% 5% 5% 5% 5% 5% 5%20-Year9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5%A surrendercharge appliesto all withdrawalsduring a contractterm unless arider is selected.Thesurrendercharge amountis a percentageof the amountwithdrawn.3-Year9% 8% 7%4-Year9% 8% 7% 6% 5-Year9% 8% 7% 6% 5%6-Year9% 8% 7% 6% 5% 5%7-Year9% 8% 7% 6% 5% 5% 5%8-Year9% 8% 7% 6% 5% 5% 5% 5%9-Year9% 8% 7% 6% 5% 5% 5% 5% 5%10-Year9% 8% 7% 6% 5% 5% 5% 5% 5% 5%20-Year9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5%IssueAgesMVAY YesN NoCommissionStates NotAvailableMaximumPremium: 1,000,0000 to 90:5, 6, 7 and10 yearguaranteeperiodYears 5-60-80: 2.15%81-90: 1.15%Y0 to 75:20 yearguaranteeperiodYear 7 100-80: 2.40%81-90: 1.30%AK, CA, CT, ID,ME, MI, NM,NH, NJ, NY, PA,WA, WIYear 200-75: 2.90%FloridaYear 1: 3.60%Year 1: 3.50%Year 2 : 2.60%Year 2 : 2.50%Effective** Compound Level Rate: 2.80%Effective** Compound Level Rate: 2.70%Year 1: 3.70%Year 1: 3.60%Year 2 : 2.70%Year 2 : 2.60%Effective** Compound Level Rate: 2.87%Effective** Compound Level Rate: 2.77%Year 1: 3.75%Year 1: 3.65%Year 2 : 2.75%Year 2 : 2.65%Effective** Compound Level Rate: 2.89%Effective** Compound Level Rate: 2.79%Year 1: 3.90%Year 1: 3.80%Year 2 : 2.90%Year 2 : 2.80%Effective** Compound Level Rate: 3.00%Effective** Compound Level Rate: 2.90%Years 1-5: 2.35%Year 1: 2.25%Year 6-10: 2.85%Year 6-10: 2.75%Year 11-15: 3.35%Year 11-15: 3.25%Year 16-20: 3.85%Year 16-20: 3.75%Effective** Compound Level Rate: 3.10%Effective** Compound Level Rate: 3.00%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.Surrender ChargesFloridaYear 1: 3.75%All Other5 Year (Rate)WithdrawalProvisionsMinimumPremium: 5,000MaximumPremium: 1,000,0000 to 90:5, 6, 7 and10 yearguaranteeperiod0 to 75:20 yearguaranteeperiodYears 5-60-80: 2.15%81-90: 1.15%YYear 7 100-80: 2.40%81-90: 1.30%AK, CA, CT, ID,ME, MI, NM,NH, NJ, NY, PA,WA, WIYear 200-75: 2.90%7

THE CAPITAL LIFE INSURANCE COMPANY tMinimumPremiumWithdrawalProvisionsSurrender ChargesIssueAgesMVAY YesN NoCommissionIn these statesONLY2.00% for 3 Years1.00% 10,000Q&NQAccumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.3 years(8,7,6)0-90Q & NQ0-85 inOKY2.00% ages 0-801.00% ages 81-95100% new commissionon internal exchanges!!!AL, DC, HI, MA, ME,MI, MO, TX, VT2.45% for 5 Years1.00% 10,000Q & NQAccumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.5 years(8,7,6,5,4)0-90Q & NQ0-85 inOKY3.25% ages 0-801.50% ages 81-90100% new commissionon internal exchanges!!!AK, AL, DC, HI, MA,ME, MI, MO, TX, VT3.55% year 12.55% years 2-51.00% 10,000Q & NQAccumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.5 years(8.1,7.3,6.4,5.5,4.5)0-90Q & NQ0-85 inOKY2.00% ages 0-800.40% ages 81-90100% new commissionon internal exchanges!!!AK, AL, DC, HI, MA,ME, MI, MO, TX, VT2.75%For 5 years1.00% 10,000Accumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.5 years(8,7,6,5.5,4.5)0-90Q&NQ0-85 inOKY0-80 - 2.00%81-90 - .40%100% new commissionon internal exchanges!!!AK, AL, DC, HI, ME,MI, MO, TX, VT1.00% 10,000Q&NQAccumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.7 years0-55(12,11,10,8,6,4,2)56 plus(8,7,6,5,4.5,3.5,2.5)0-85Q&NQY0-80 - 4.00%81-85 - 2.00%100% new commissionon internal exchanges!!!AK, AL, DC, HI, ME,MI, MO, TX, VT2.85%(7 year rate)1.00% 10,000Q&NQAccumulated interest twice per yr or monthly if interest is over 100.00. Death benefitis full accumulation value. Nursing home benefit and disability available after yr 1 onNQ money and you can withdraw 50% of your accumulated value if you are confined ordisabled for 90 consecutive days. Available thru issue ages.7 years (0-55)(12.4,11.5,10.5,8.5,6.5,5.5,4.5)(56 )(8.1,7.1,6.1,5.1,4.5,3.5,2.5)0-85Q&NQY2.15% - 0-800.40% - 81-85100% new commissionon internal exchanges!!!AK, DC, HI, MA, ME,MI, MO, TX, VT2.15% for 3 Years1.00% 10,000Q&NQNo penalty free withdrawals during surr charge period; thereafter. Death Benefit - surrvalue. Surviving spouses may elect to continue the policy as their own and avoid surrcharges. Non spousal beneficiaries may reduce or avoid charges by deferring paymentor taking periodic income. For at least 5 year. No nursing home & disability waiver.3 years(7.9,7,6.2)0-90Q & NQ(0-80 inFL)Y2.00% ages 0-90100% new commissionon internal exchanges!!!AK, AL, DC, HI, MA,ME, MI, MO, TX, VT3.00% for 5 Years1.00% 10,000Q & NQNo penalty free withdrawals during surr charge period; thereafter. Death Benefit - surrvalue. Surviving spouses may elect to continue the policy as their own and avoid surrcharges. Non spousal beneficiaries may reduce or avoid charges by deferring paymentor taking periodic income. For at least 5 year. No nursing home & disability waiver.5 years(7.9,7,6.2,5.3,4.4)0-90Q & NQ(0-80 inFL)Y2.25% ages 0-90100% new commissionon internal exchanges!!!AK, AL, DC, HI, MA,ME, MI, MO, TX, VT3.00% for 7 years1.00% 10,000Q & NQNo penalty free withdrawals during surr charge period; thereafter. Death Benefit - surrvalue. Surviving spouses may elect to continue the policy as their own and avoid surrcharges. Non spousal beneficiaries may reduce or avoid charges by deferring paymentor taking periodic income. For at least 5 year. No nursing home & disability waiver.7 years(7.9,7,6.2,5.3,4.4,3.5,2.7)0-85Q & NQ(0-75 inFL)Y2.50% ages 0-85100% new commissionon internal exchanges!!!AK, AL, DC, HI, MA,ME, MI, MO, TX, VTBankers - 3(3 Year Rate)NEWBankers -5(5 year rate)NEWBankers - 5Premier Plus(5 year rate)Bankers - 5Premier(5 Year Rate)Bankers - 7(7 Year Rate)Bankers - 7Premier(7 Year Rate)2.55%(7 year rate)Bankers Elite - 3(3 Year Rate)NEWBankers Elite - 5(5 Year Rate)NEWRates Effective as of 02-01-2021Bankers Elite - 7(7 Year Rate)*All Liberty Bankers products may not be annuitized without surrender charge until contract maturity.(For Agent Use Only) Rates and Commissions subject to change. Check for current state approvals. Not intended for soliciting annuity sales from the public.8

Rates Effective as of 02-01-2021SILAC LIFE INSURANCE rChargesIssueAgesMVAY YesN NoCommissionStatesNotAvailableSecure Savings 10,000Q&NQ2 Year - 1.75%5 Year - 2.70%SecureSavings Elite1.00% 500,000(Largeramounts willbe consideredwith HomeofficeApproval) 10,000Q&NQ2 Year- 2.15%- 1.85% (FL)5 Year- 2.95%- 2.80% (FL)1.00% 500,000(Largeramounts willbe consideredwith HomeofficeApproval)In the first policy year, the greater of credits interest only or RMD may be withdrawn. In the second policyyear and after, the greater of 5% Penalty Free Withdrawal, Accumulated Interest or RMD may bewithdrawn.Death Benefit is Equal to the Account ValueCertainty Select(with optionalrider)Choice FourGREATCurrentInterest3 yr - 1.20%5 yr. - 1.70%6 yr. - 1.85%yrs 1-68 yr. -

A.M. Best Rating A (excellent) (800) 835-5320 6 ATHENE ANNUITY & LIFE ASSURANCE COMPANY A.M. Best Rating A (excellent) (855) 428-4363, option 1 7 ATLANTIC COAST LIFE INSURANCE COMPANY A.M. Best Rating B (good) (844) 442-3847 8 THE CAPITOL LIFE INSURANCE COMPANY A.M. Best Rating B