State Availability. 4% Premium Bonus 1 st 3 Yrs.* Free Withdrawal: Minimum Premium: $20,000 NQ/Q. Maximum Premium: 1 million w/o home office appr.

Allianz Life Insurance Company of North America

Index

Free Withdrawal:

Ages 0-75

Ages 76-80

STATES NOT APPROVED:

CT, NY

Index

Ages 0-75

Ages 76-80

STATES NOT APPROVED:

NY, WA

1

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

Product / Participation Rate

Interest Crediting Strategies

Min. guarantee (most states) is 87.5% of premium, less withdrawals, credited at an interest rate of 1.35% for the first 10 years, then no less than 1.00% thereafter. *Select Index Allocation charge is 1.00% ** A 20% prem. bonus is credited to the EWB (Enhanced Withdrawal Benefit) for prem. received in the first 3 yrs. The EWB value is available after 10 yrs when selecting one of two income options lasting at least 10 yrs. No bonus is applied to the accumulation or cash surrender value & EWB receives 105% enhancement on all fixed and/or indexed interest earned. Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. ***Flexible withdrawal benefit rider and DBR are available for an additional cost. DBR is only available at issue with NQ annuties where the contract owner and annuitant are the same individual. Caps/spreads guaranteed for one yr. Most states: Min. monthly cap is 0.50%. Min. annual cap is 0.25%. Max. annual spread is 12%. Min. for fixed interest is 0.10%. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance company of North America ***Death benefit, surrender charges, rider availability and commission schedule may vary by state.

Opt. A

Monthly Avg Spd (10 Yr) 10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5

DB = AV

3.75%

1.80%

3.50%

N/A

5.50%

3.25%

N/A

3.75 - 2.50 - 1.25 - 0 % no MVA

N/A

In the contract year following the last premium received, up to 10% of paid premium is available each year in one or more free withdrawals, up to a

lifetime maximum of 100% of the cash surrender value. The first 5% reduces EWB Value dollar for dollar, while the second 5% reduces EWB

Value in the same proportion that the Accumulation Value is reduced. Monthly Sum

2.50%

Issue Ages:

Riders:

0-80 Q/NQ

Annual Pt to Pt

* The bonus is subject to a 10-yr vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11th contract year, when 100% will be vested. If you surrender your contract before the 11th contract year, you will lose the unvested bonus. During the first 10 contract years, we will apply a surrender charge and unvested bonus reduction if you partially or fully surrender your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium). Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a premium bonus feature. **Select Index Allocation charge is 1.00%. 100% Par-Rate guaranteed for life of contract. Minimum guarantee is 87.5% of total premium paid, less any withdrawals, accumulated at a rate no less than 1.75% for the first 10 contract years, then 1% thereafter, in most states. Caps /spreads guaranteed for one year. Min. monthly cap is 0.50%. Min. annual cap is 0.25%. Max. annual spread is 12%. Min. for fixed interest is 0.10%.

S&P 500

®

Index

Free Withdrawal:

Monthly Avg Spd

4% Premium Bonus 1

st

3 Yrs.*

MasterDex X

®

(FPDA for 3 years) C52575

N/A

Allianz Endurance

®

Plus

(FPDA for 3 years) C50915

1.80%

Maximum Premium: 1 million w/o home office appr.

(Fixed rate not avail. in AL, DE, IA, KY)

2.30%

3.50%

Issue Ages

A40888

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance company of North America. ***Simple Income II or III, Flexible Withdrawal Benefit (FWR) & Death Benefit Rider (DBR) are available at issue only for additional cost. DBR is only available at issue with NQ annuties where the contract owner and annuitant are the same individual. Death benefit, surrender charges, rider availability and commission schedule may vary by state. Contracts issued by Allianz Life Insurance company of North America

Riders:

6.50% 1st Yr

N/A

Surrender Charges:

5.50%

3.75 - 2.50 - 1.25 - 0 % no MVA

N/A

3.50%

2.00%

Fixed Account Rate

1.60%

NASDAQ-100

®

Index

Minimum Premium: $10,000 NQ/Q

N/A

(10 Yr) 10 - 10 - 10 - 8.75 - 7.5 - 6.25 - 5

State Availability

December 4, 2015

Free Withdrawal

1

_{/Minimum Premium}

Fixed Index Annuities

Rates as of

Commission

2

Surrender Charges/Riders

FIXED INDEX ANNUITIES

December 4, 2015

A.M. Best (A+) Superior (2nd highest of 16, assigned August, 2015.)

4

S&P (AA) Very Strong (3rd highest of 21, affirmed December, 2014.)

4

In the contract year following the last premium received, 10% of paid premium is available each year in one or more free withdrawals, up to a

lifetime maximum of 100% of the cash surrender value

Opt. A

6.50% 1st Yr

Minimum Premium: $20,000 NQ/Q

0-80 Q/NQ

Issue Ages:

Annual Pt to Pt

2.00%

4.00%

N/A

Maximum Premium: 1 million w/o home office appr.

2.00%

3.50%

2.00%

3.50%

N/A

(May vary by state)

3.25% Yrs 2-3

2.25% Yrs 2-3

4.50% 1st Yr

Surrender Charges:

(May vary by state)

Simple Income III or Simple Income II***

3.25% Yrs 2-3

NCR, FWR***,DBR***, UBR

EWB**, NCR, UBR, DBR & FWR***

4.50% 1st Yr

N/A

3.75%

2.50%

2.25% Yrs 2-3

DB = AV***

Fixed Account Rate

1.75%

*S&P 500

®

Select Index

FTSE 100 Index

Blended Index

3

NASDAQ-100

®

Index

S&P 500

®

Index

**S&P 500

®

Select Index

EURO STOXX 50

®

Index

Blended Index

3

American Equity Investment Life Insurance Company,

Des Moines IA 50325

A.M. Best (A-) Excellent S&P (A-) Strong

Cap Par Rate Asset Fee

Free Withdrawal: 18-80 Q/NQ Minimum Premium: $5,000 Q/NQ Maximum Premium: $1,500,000, ages 18-69 $1,000,000, ages 70-74 $750,000 ages 75-80

Issued as INDEX-1-05 in DE, INDEX-7-05 in OK

(Rates may vary)

STATES NOT APPROVED:

AK, AL, CT, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA

Cap Par Rate Asset Fee Free Withdrawal:

18-80 Q/NQ

Ages 18-75 Ages 76-80 ICC14 IDX8-6

($1,000 minimum per allocation)

Ages 18-75 Ages 76-80 ICC14 IDX8-8 Ages 18-75 Ages 76-80 ICC14 IDX8-10

2

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

4.5 - 3.5 - 2.5 - 0%

Choice 10

(10 Yr) 9.2 - 8.25 - 7.25 - 6.5 - 5.5 - 4.5

NY

STATES NOT APPROVED: Maximum Premium:

$1,500,000, ages 18-69 $1,000,000, ages 70-74 $750,000 ages 75-80

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

December 4, 2015

Interest Crediting Strategies

State Availability

Surrender Charges/Riders

Bonus Gold

INDEX-1-07*

(FPDA)

10% Premium Bonus -

All 1st Year Premiums _{Ages 18-75}

Issue Ages:

S&P 500® Monthly Average w/Par-Rate N/A 30% N/A

_{6.00% Year 1}

10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.

18-64 in FL

S&P 500® Monthly Average w/Cap 2.50% N/A 0% _{1.00% Year 2}

Dow Jones® Monthly Average w/Cap 2.50% N/A 0% _{Surrender Charges: 1.00% Year 3} Dow Jones® Annual Pt-to-Pt w/Cap 2.50% N/A 0% (16 Yr) 20-19.5-19-18.5-18-17.5-17-16_{15-14-12-10-8-6-4-2-0%}

S&P 500® Annual Pt-to-Pt w/Par-Rate N/A 20% N/A _{Different in DE & OK}no MVA _{Ages 76-80}

S&P 500® Annual Pt-to-Pt w/Cap 2.50% N/A 0%

_{4.50% Year 1}

S&P 500® Monthly Pt-to-Pt w/Cap 1.40% N/A 0% _{.75% Year 2}

10-Year US Treasury Bond 2.25% N/A 0% _{Riders: .75% Year 3}

Bond Yield with Cap 5.15% N/A 2.00% Lifetime Income Benefit_{NCR-100**, TIR-100**}

Volatility Control Index5 _{N/A N/A 2.75%} Commissions listed above

in years 2 & 3 are for prem. received in 1st year.

1.15% S&P 500® Performance Trigger 2.00% DB = AV

*Form number may vary by state. MGSV equals 80% of 1st year premium plus premium bonus plus 87.5% of any additional premium, less withdrawal proceeds, at MGIR, compounded annually. MGIR (currently 1.50%) is set at issue, guaranteed for life of contract and applies to MGSV only. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10%. Fixed Value minimum guaranteed interest rate is 1%. ** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75, form number, availability and provisions may vary by state. See state specific disclosure for details.

Choice Series

ICC14 IDX8*

(FPDA)

S&P 500® Annual Pt-to-Pt w/Cap 5.25% N/A N/A

Choice 6

3.00%

Minimum Premium:

$10,000 Q/NQ

Fixed Value Rate 2.15%

S&P 500® Annual Pt-to-Pt w/PR N/A 50% N/A

Choice 8

S&P 500® Monthly Pt-to-Pt w/Cap 1.90% N/A N/A Volatility Control Index5 _{N/A N/A 1.00%}

S&P 500® Annual Pt-to-Pt w/PR N/A 45% N/A S&P 500® Annual Pt-to-Pt w/Cap 5.00% N/A N/A

Choice 6

Fixed Value Rate 2.00% Choice 8

no MVA (8 Yr) 9.2 - 8.25 - 7.25 - 6.5 - 5.5 1.80% N/A 40% N/A N/A N/A N/A 1.25% N/A N/A

*Form number may vary by state. MGSV equals 90% of premiums paid, less withdrawal proceeds, at MGIR, compounded annually. MGIR (currently 1.00%) is set at issue, guaranteed for life of contract and applies to MGSV only. Asset fee rate is subject to change, declared each contract anniversary and guaranteed to never be more than 10%. Caps are set at issue, adjusted annually and never less than 1% for the monthly pt to pt and the annual pt to pt. The Par-Rate will never be less than 10% on the annual pt to pt. Fixed Value minimum guaranteed interest rate is 1%. ** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75, form number, availability and provisions may vary by state. See state specific disclosure for details.

For Agent Use Only- Not for use with the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

Fixed Value Rate

S&P 500® Annual Pt-to-Pt w/PR S&P 500® Annual Pt-to-Pt w/Cap S&P 500® Monthly Pt-to-Pt w/Cap Volatility Control Index5

N/A 4.75%

Issue Ages:

Choice 10

S&P 500® Monthly Pt-to-Pt w/Cap 2.00% N/A N/A Volatility Control Index5 N/A N/A 0.75%

Fixed Value Rate 2.35%

10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.

DB = AV Surrender Charges: Choice 6 (6 Yr) 9.20 - 8 - 7 - 5.50 - 4 - 2.50 - 0% 3.5 - 2.5 - 1.5 - 0.5 - 0% no MVA

Choice 8

4.00%

5.00%

3.75%

Riders:

4.50%

Choice 10

NOTE: Choice Series products are excluded from all

incentives, including Gold Eagle program

6.00%

NCR-100**, TIR-100** no MVA

American Equity Investment Life Insurance Company,

Des Moines IA 50325

A.M. Best (A-) Excellent S&P (A-) Strong

Cap Par Rate Asset Fee

Bonus Vesting Schedule: 18-80 Q/NQ

(10 Yr) 0, 10, 20, 30, 40, 50, 60, 70, 80, 90, 100% 1.00% Year 2

1.00% Year 3

Free Withdrawal:

Ages 76-80

Minimum Premium: $5,000 Q/NQ .75% Year 2 .75% Year 3

Maximum Premium: $1,500,000, ages 18-69

$1,000,000, ages 70-74 - $750,000 ages 75-78

STATES NOT APPROVED: Fixed Value Rate 1.00% S&P 500® _{Performance Trigger 1.75%} AL, CT, NY

Cap Par Rate Asset Fee

Free Withdrawal: 18-80 Q/NQ 1.00% Year 2 1.00% Year 3 Minimum Premium: $5,000 Q/NQ Maximum Premium: $1,500,000, ages 18-69 .75% Year 2 $1,000,000, ages 70-74 .75% Year 3 $750,000 ages 75-80

STATES NOT APPROVED:

Fixed Value Rate 1.05% S&P 500® _{Performance Trigger 1.75%} AK, AL, CT, DE, FL, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA

Cap Par Rate Asset Fee

Bonus Vesting Schedule: (14 Yr) 0, 0, 0, 8.33, 16.67, 25, 33.33, 18-78 Q/NQ 41.67, 50, 58.33, 66.67, 75, 83.33, 91.67, 100%

Different in FL

Free Withdrawal:

Minimum Premium: $5,000 Q/NQ Maximum Premium: $1,500,000, ages 18-69

$1,000,000, ages 70-74 - $750,000 ages 75-78

Different in

STATES NOT APPROVED: FL, IN

AK, AL, CT, DE, MN, NJ, NV, NY, OH, OK, OR, PA, SC, TX, UT, WA

3

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

5.80% Year 1

N/A 1.20% N/A Volatility Control Index5

S&P 500® Monthly Pt-to-Pt w/Cap

S&P 500® Monthly Average w/Par-Rate N/A Volatility Control Index5

For Agent Use Only- Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without

notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

DB = AV

S&P 500® Annual Pt-to-Pt w/Cap

25% S&P 500® Monthly Average w/Cap 2.25% N/A

Volatility Control Index5 Fixed Value Rate

NCR-100***, TIR-100***

N/A

*Form number may vary by state. **Bonus in IN is 8% for issue ages 0-73 & 5% for issue ages 74-78. MGSV equals 87.5% of premiums paid, less any withdrawal proceeds, accumulated at the MGIR, compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted

annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10% *** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75 and availability may vary by state. See state specific disclosure for details.

(10 Yr) 12.5 - 12 - 12 - 11 - 10

MGSV equals 84% of 1st year premiums and premium bonus, plus 87.5% of any additional premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and Fixed Value Rate, and the Par-Rate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75.

N/A 3.00%

1.00% S&P 500® Performance Trigger 1.75% 0% N/A S&P 500® Annual Pt-to-Pt w/Par-Rate

Commissions listed above in years 2 & 3 are for prem. received in 1st year.

DB = AV

N/A

9 - 8 - 7 - 6 - 4 - 0%

Retirement Gold

INDEX-2-09*

(FPDA)

0% no MVA

Riders: 10-Year US Treasury Bond

Ages 18-75

10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.

S&P 500® Annual Pt-to-Pt w/Cap 2.25% N/A 1.20%

(10 Yr) 16 - 15 - 14 - 13 - 11.5 - 10 - 8.5 - 7 - 5.5 - 4 - 0 %

NCR-100**, TIR-100**

2.00% Lifetime Income Benefit

N/A S&P 500® Annual Pt-to-Pt w/Par-Rate N/A 15% N/A

N/A 2.25% N/A N/A

S&P 500® Monthly Pt-to-Pt w/Cap Bond Yield with Cap

S&P 500® Monthly Average w/Par-Rate N/A 25% N/A

Advantage Gold

INDEX-6-07

(FPDA)

no MVA

Ages 18-75 N/A N/A 3.00%

DB = AV

Commissions listed above in years 2 & 3 are for prem. received in 1st year.

N/A N/A _Riders:

5% Premium Bonus -

All 1st Year Premiums

4.65% N/A 2.00% Lifetime Income Benefit_{NCR-100**, TIR-100**}

MGSV equals 87.5% of all premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Fixed Value Rate, and the Par-Rate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75 and availability may vary by state. See state specific disclosure for details.

2.25% N/A

4.35% Year 1

S&P 500® Monthly Pt-to-Pt w/Cap 1.20% N/A N/A

5% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.

N/A N/A

N/A Surrender Charges:

(10 Yr) 9 - 8.25 - 7.25 - 6.25 - 5.25 - 4.25 - 3.25 - 2.25 - 1 - 0.5 - 0 %

S&P 500® Annual Pt-to-Pt w/Cap 2.25% S&P 500® Annual Pt-to-Pt w/Par-Rate N/A 15% S&P 500® Monthly Average w/Cap

S&P 500® Monthly Average w/Par-Rate N/A 25% N/A Issue Ages:

7% Premium Bonus -

All 1st Year Premiums

Issue Ages

_Commission

2

December 4, 2015

Interest Crediting Strategies

State Availability

Surrender Charges/Riders

4.65% N/A 2.00%

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

Foundation Gold

ICC11 IDX3

(FPDA)

N/A

10-Year US Treasury Bond 2.00%

Bond Yield with Cap

2.00% N/A N/A 4.65% N/A

N/A N/A 3.00%

8% Premium Bonus** -

All 1st Year Premiums

N/A N/A 15% 2.25%

10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value.

N/A S&P 500® Monthly Average w/Cap

Commissions listed above in years 2 & 3 are for prem. received in 1st year.

1.00% Year 3 1.00% Year 2

6.00% Year 1

Ages 18-78

Lifetime Income BenefitRiders:

Bond Yield with Cap

Athene Annuity and Life Company

- West Des Moines, IA

A.M. Best (A-) Excellent (3rd highest of 15) S&P (A-) Strong (3rd highest of 15)

Ascent 10 Bonus

(1% Bonus if Premium is less than $50,000) 0-78 Q/NQ 7.00% Ages 0-75 Free Withdrawal: 5.00% Ages 76-78

Year 1: 5% of accumulated value

Years 2+: 10% of accumulated value Ascent 10 Bonus Pro

Minimum Premium: $5,000 Q/NQ 6.50% Ages 0-75 Maximum Premium: 1 million w/o home office appr. 4.50% Ages 76-78

STATES NOT APPROVED:

CT, NY, PA, WA Ascent 10 Bonus Select

6.00% Ages 0-75 4.00% Ages 76-78

$5,000 - $49,999 $50,000+

Free Withdrawal:

STATES NOT APPROVED: NY

(56-78) in AK, NV, OK, SC, TX; (40-78) in CT, WA; (53-78) in DE, MN, OH, OR, UT

4

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

1 Year Monthly Cap Index (cap)

1 Year Monthly Average Index (cap)

Fixed Rate Strategy

NEW PRODUCT COMING SOON

Target Pay℠, Target Pay ℠ Plus DB=AV

3.25%

1.65%

Riders***: NCR, TIR

Premium Bonus Vesting Schedule: Yrs 1-6, 0%; Yr 7, 20%; Yr 8, 40%; Yr 9, 60%; Yr 10, 80%; Yr 11+, 100% of Premium Bonus. *1-year No Cap Point-to-Point Index Strategy (Annual Spread and 100% Participation Rate) – S&P 500 Daily Risk Control 5%™ Index TR (Total Return) MGSV is 87.5% of premium accumulated at a rate of 1%. Fixed Strategy Rate is guaranteed for 1 year. **TargetHorizon℠ 10 Select version has no bonus, modified surrender charges and may have modified rates. ***Rider availability and/or features may vary by state.

Target Horizon℠

10

Select** Approved in:

3.25%

1.65%

Premium Bonus (Subject to Vesting Schedule)

Ages 0-75

7.00%

Ages 76-78

5.00%

3.25%

1 Year No Cap Pt-to-Pt Index (spread)

1 Year Pt-to-Pt Multiple Index (cap)

1 Year Pt-to-Pt Index (cap)

Issue Ages:

0-78 Q/NQ

Surrender Charges: (10 Yr)

10-10-10-10-9-8-7-6-5-4-0 % +/-MVA (0-55 in AK, NV, OK, SC, TX) (0-52 in DE, MN, OH, OR, UT)

1.45%

Up to 3% Premium Bonus

Beginning the second contract year, a 5% free annual withdrawal is available each year. RMD’s and Lifetime Income Withdrawals can

be taken without penalty beginning in year 1.

Minimum Premium: $5,000 Q/NQ Maximum Premium: 1 million w/o home office appr.

5 Year No Cap Pt-to-Pt Index (spread)*

2.00%

2.60%

2.85%

3.25%

DB = AV

Premium Bonus Vesting Schedule: 20% per year after the 6th year. *1-year No Cap Point-to-Point Index Strategy (Annual Spread and 100% Participation Rate) – S&P 500 Daily Risk Control 5%™ Index TR (Total Return) MGSV is 87.5% of premium accumulated at a rate of 1%. **Ascent 10 Bonus Pro and Ascent 10 Bonus Select are issued with different premium bonus vesting schedules, surrender charges and commissions. ***Rider availability and/or features may vary by state.

For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without

notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

Target Horizon

℠ 10 (SPDA)

1.45%

3.00%

2.60%

2.85%

3.25%

3.25%

1 Year Monthly Average Index (cap)

4.00%

_{**Ascent 10 Bonus Pro approved in FL for ages 65-78 Athene Income Aspect}Riders:***_{℠, NCR, TIR}

Fixed Account with 1 Year Guaranty

1.90%

_{(56-78) in NJ, NV, OK, TX; (53-78) in AK, DE, MN, OH, OR, SC, UT}**Ascent 10 Bonus Select approved in:

1 Year Pt-to-Pt S&P 500 Index (cap)

4.00%

Surrender Charges: (10 Yr)

1 Year Monthly Cap Index (cap)

1.70%

12-12-12-11-10-9-8-7-6-4-0 % +/-MVA_{Different in FL, IN (no MVA in MO)}

3% Premium Bonus

Issue Ages:

1 Year No Cap Pt-to-Pt Index (spread)*

2.00%

_{0-74 in IN) (0-52 in AK, DE, MN, OH, OR, SC, U}(0-64 in FL) (0-55 in NJ, NV, OK, TX)

Athene Ascent

℠ 10 Bonus

(SPDA)

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

EquiTrust Life Insurance Company

®

A.M. Best (B++) Good S&P (BBB+) Good

0-75 Q/NQ

Free Withdrawal:

STATES NOT APPROVED:

AK, CT, DE, MN, NV, NY, OH, OK, OR, TX, UT, WA

0-75 Q/NQ

Free Withdrawal:

AK, IL & OH only:

STATES NOT APPROVED:

CT, DE, MN, NV, NY, OK, OR, TX, UT, WA

0-80 Q/NQ

Free Withdrawal:

STATES NOT APPROVED:

AK, CT, DE, MN, NV, NY, OK, OR, TX, UT, WA

5

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

no MVA in MO, VT

35.00%

S&P 500

®

1-Yr. Monthly Cap

1.40%

6.00%

All ages

3.00%

Riders:**

DB = AV

Surrender Charges: (10 Yr)

Additional Premium

Yrs 2-5

MarketTen Bonus Index

®

(FPDA)

6% Premium Bonus 1

st

5 Yrs.

Issue Ages:

Different in OH

ROP, NCR, Income for Life

Minimum guarantee is 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (1% for 2014 contracts), less surrender charges. Minimum cap on Pt-Pt is 1%and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on the fixed account is 1%. **NCR not available in MA.

S&P 500

®

1-Yr Pt-to-Pt Cap

3.00%

S&P 500

®

1-Yr Daily Average Cap

3.25%

S&P 500

®

1-Yr Monthly Average Par-Rate

1.20%

7.00%

Fixed Account

10-10-10-10-10-9-8-7-6-4-0 % +/-MVA

Commission

2

December 4, 2015

Interest Crediting Strategies

State Availability

Surrender Charges/Riders

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

MarketTwelve Bonus Index

TM

_(SPDA)

_{12% Bonus paid over 3 Yrs*}

S&P 500

®

1-Yr Pt-to-Pt Cap

S&P 500

®

1-Yr Daily Average Cap

2.75%

3.00%

Surrender Charges: (14 Yr)

10-8-6-4-2-0 % +/-MVA

Issue Ages:

8.50%

Interest only first contract year. 10% of account value after first year.

Surrender Charges: (14 Yr)

20-20-19-19-18-17-16-14-12

Riders:**

10% Premium Bonus

NCR, Income for Life

1.25%

All ages

no MVA in VT

Maximum Premium: 1 million w/o home office appr.

Issue Ages:

Minimum Premium: $30,000 Q/NQ

*12% Total Bonus - 6% of premiums year 1; 2% of Accumulation Value added on first three contract anniversaries. Minimum guarantee is 87.5% of premium minus withdrawals, accumulated at the Minium Guaranteed Contract Rate (2% for 2014 contracts). Minimum cap on Pt-Pt is 1%and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on fixed account is 1% **NCR not available in MA.

MarketPower Bonus Index

®

(SPDA)

8.50%

Interest only first contract year. 10% of account value after first year.

6.00%

Fixed Account

3.25%

For Agent Use Only- Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

7.00%

8.00%

Maximum Premium: 1 million w/o home office appr.

no MVA in VT

Fixed Account

Interest only first contract year. 10% of account value after first year.

Minimum Premium: $30,000 Q/NQ

Maximum Premium: 1 million w/o home office appr.

S&P 500

®

2-Yr Monthly Average Cap

30.00%

1.00%

1.30%

S&P 500

®

1-Yr Pt-to-Pt Cap

S&P 500

®

1-Yr Daily Average Cap

S&P 500

®

1-Yr. Monthly Cap

1.40%

3.00%

S&P 500

®

1-Yr Monthly Average Par-Rate

S&P 500

®

1-Yr. Monthly Cap

DB = AV

Minimum guarantee is 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (2% for 2014 contracts). Minimum cap on Pt-Pt is 1%and minimum on daily average is 1%. Minimum par rate on the monthly average is 10% and the minimum on the monthly cap is 0.50%. Minimum Cap on the 2-Year option is 3%. Minimum interest rate on the fixed account is 1%. Availability of the 1-Yr Monthly options varies by state. **NCR not available in MA.

Minimum Premium: $20,000 Q/NQ

S&P 500

®

1-Yr Monthly Average Par-Rate

S&P 500

®

2-Yr Monthly Average Cap

Riders:**

20-20-19-19-18-17-16-14-12

S&P 500

®

2-Yr Monthly Average Cap

Different in AK, IL & OH

All ages

40.00%

10-8-6-4-2-0 % +/-MVA

Fidelity & Guaranty Life Insurance Company

- Des Moines, IA A.M. Best (B++) Good S&P (BBB-) Good

10 Year

Free Withdrawal:

Index 10% of prior anniversary account value (after first year)

Ages 0-75 Ages 76-85 ($2,000 min Per Option)

14 Year

STATES NOT APPROVED: Ages 0-75

AL, CT, MS, NY 14 Yr not approved in:

AK, DE, MA, MN, NV, OH, OK, OR, PA, SC, TX, UT, WA Ages 76-80

2% Bonus in Lite States 0-85 NQ 18-85 Q

Ages 0-75

Free Withdrawal:

10% of prior anniversary account value (after first year)

Ages 76-85

Minimum Premium: $10,000 Q/NQ

($2,000 min Per Option)

Maximum Premium: 1 million w/o home office appr.

Trails now STATES NOT APPROVED:

AL, CT, MS, NY Available!!!

included with 0-85 NQ 18-85 Q

Index 7 Year 14 Year

3.00% Ages 76-80

2.50% Ages 81-85

Free Withdrawal:

10% of prior anniversary account value (after first year)

Minimum Premium: $10,000 Q/NQ

($2,000 min Per Option) 6.00% Ages 76-80

Maximum Premium: 1 million w/o home office appr. 4.25% Ages 81-85

STATES NOT APPROVED:

AL, CT, MS, NY

14 Yr not approved in AK, DE, MA, MN, NV, OH, OK, OR, PA, SC, TX, UT, WA

Bonus Vesting Schedule: (7 Yr) 14-29-43-57-71-86-100%

(10 Yr) 10-20-30-40-50-60-70-80-90-100% 6.00% Ages 76-80

(14 Yr) 7-14-21-29-36-43-50-57-64-71-79-86-93-100% 4.75% Ages 81-85

6

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

**Above Bonus is for issue ages 0-75, bonus is reduced by 50% for ages 76-85. Bonus is reduced in Lite States (AK, DE, FL age 65+, MA, MN, NV, OH, OK, OR, PA, SC, TX, UT, WA). Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average index options. Min. declared

rate 1% for index gain option. On 87.5% of premium min. interest is between 1.00% and 3.00% depending on issue state.

Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Form Number(s) API-1013(02-11), ACI-1013(02-11), API-1018(06-11), ACI-1018(06-11), ARI-1046(11-12), ARI-1040 (11-12), ARI-1068 (03-14); et al. Subject to state availability. Certain restrictions may apply. Indexed interest rates are

subject to a cap. Surrender charges may apply to withdrawals. Withdrawals may be taxable and if made prior to ages 59 ½ may result in tax penalties. Optional provisions and riders may have limitations, restrictions and additional charges. A.M. Best rating as of December 17, 2014, S&P rating as of July 31, 2015. For most current rating information, please contact Fidelity & Guaranty Life at 1-800-445-6758 or visit their website at home.fglife.com . • No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value if surrendered early. See Page 15 for S&P & Nasdaq Disclaimers

For Agent Use Only - Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice.

Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

Enhancement Package Vesting Bonus**

2.00%

4.00%

5.00%

Protection Package Vesting Bonus**

4.00%

7.00%

8.00%

1.25%

1.50%

1.50%

Enhancement Package_{Protection Package}

DB = AV

8.50%

Ages 0-75

Index Gain Option with Declared Rate

3.00%

3.25%

3.50%

Riders:

NCR, TIR, HHC

14 Year

Fixed Account

Gold 1 Yr Annual Pt-to-Pt Cap

3.75%

4.00%

4.25%

10-9-8-7-6-5-4-3-2-0 % +/- MVAmay differ in AK, DE, FL, MA, MN, MS, NV, OH, OK, OR, PA, SC, TX, UT, WA

10 Year (7 Yr) 10-9-8-7-6-5-4-0 % +/- MVA

S&P 500

®

1Yr Annual Pt-to-Pt Cap

3.50%

3.75%

4.00%

(10 Yr) 12-11-10-9-8-7-6-5-4-3-0 % +/- MVA_{(14 Yr) 14.75-13.75-12.75-11.75-10.75}

7.50%

Ages 0-75

1.75%

1.85%

2.00%

S&P 500

®

Monthly Avg Annual Cap

3.75%

4.25%

4.50%

Surrender Charges:

3% Bonus on premium received in the first year. Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average index options. 2% min. cap per period for 2 & 3 yr annual pt-to-pt. Min. declared rate 1% for index gain opt. On 87.5% of premium min. interest is between 1.00% and

3.00% depending on issue state.

Prosperity Elite

SM

Series

FGL FPDA

1st Yr Premium Vesting Bonus

Issue Ages: 7 Year

5.00%

Ages 0-75

10 Year

_{Enhancement or Protection Package}

(in FL max age for 14 Yr is 64)

1 Yr S&P 500

®

Monthly Pt-to-Pt Cap

Index Gain Option with Declared Rate

3.00%

FGIncome for Life_{NCR, TIR} ℠

Fixed Account 1.25%

_{DB = AV}

S&P 500

®

2 Yr Annual Pt-to-Pt Cap

6.50%

MA, MN, NV, OH, OK, OR, PA, SC, TX, UT, WA:

(10Yr) 9-9-8-7-6-5-4-3-2-1-0% +/- MVA

S&P 500

®

3 Yr Annual Pt-to-Pt Cap

10.75%

_Riders:

1.60%

S&P 500

®

Monthly Average Annual Cap

3.50%

Surrender Charges:

_4.75%

(10Yr) 14-13-12-11-10-8-6-4-2-1-0% +/- MVA

S&P 500

®

1 Yr Annual Pt-to-Pt Cap

3.25%

_{Different in AK, DE, FL (Ages 65+ only),}

2.00%

DB = AV

Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt and monthly average. Min. declared rate 1% for index gain option. On 87.5% of premium min. interest is between 1.00% and 3.00% depending on issue state.

FG Index-Choice 10

FPDA

_{Up to 3% Premium Bonus}

_{Issue Ages:}

9.00%

1 Yr S&P 500

®

Monthly Pt-to-Pt Monthly Cap

8.00%

Index Gain Option with Declared Rate

4.25%

4.75%

FGIncome for LifeRiders: ℠

NCR, TIR

_4.50%

Fixed Account

1.75%

(10 Yr) 12-11-10-9-8-7-6-5-4-3-0 % +/- MVA Different in AK, DE, FL, MA, MN, NV, OH

OK, OR, PA, SC, TX, UT, WA

S&P 500

®

1 Yr Annual Pt-to-Pt Cap

5.00%

5.75%

Maximum Premium: 1 million w/o home office appr. (14 Yr) 14.75-13.75-12.75-11.75-10.7510-9-8-7-6-5-4-3-2-0 % +/- MVA Different in IN

1 Yr S&P 500

®

Monthly Pt-to-Pt Cap

2.10%

2.35%

(in FL max age for 14 Yr is 64)

4.00%

Minimum Premium: $10,000 Q/NQ Surrender Charges:

S&P 500

®

Monthly Avg Annual Cap

5.75%

6.50%

FG

Accumulator Plus

SM

_Series

FPDA Issue Ages:

10 Year - 0-85 NQ 18-85 Q

7.00%

10 Year 14 Year 14 Year - 0-80 NQ 18-80 Q

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

Fidelity & Guaranty Life Insurance Company

- Des Moines, IA A.M. Best (B++) Good S&P (BBB-) Good

Index included when the optional EGMWB is elected 0-80 NQ 18-80 Q

9% for issue ages 0-75 and 4.5% for issue ages 76+

Subject to State Approval Free Withdrawal:

10% of prior anniversary account value (after first year)

($2,000 minimum Per Option)

STATES NOT APPROVED:

AL, CT, IN, MN, MS, NY, OR, PA, VT, WA

Bonus Vesting Schedule: (10 Yr) 10-20-30-40-50-60-70-80-90-100%

Forethought Life Insurance Company

®

A.M. Best (A-) Excellent S&P (A-) Strong

$10,000- $25,000- $100,000

$24,999 $99,999 or more Free Withdrawal: 0-85 Q/NQ

Ages 0-75

Minimum Premium: $10,000 Q/NQ

Ages 76-85

Maximum Premium: w/o home office appr.

$1,000,000 Ages 0-80 $500,000 Ages 81-85

STATES NOT APPROVED:

NY

$10,000- $25,000- $100,000

$24,999 $99,999 or more Free Withdrawal: 55-80 Q/NQ

Ages 55-75

Minimum Premium: $10,000 Q/NQ

Maximum Premium: w/o home office appr. Ages 76-80 $1,000,000 Ages 0-80 $500,000 Ages 81-85

STATES NOT APPROVED:

NY

7

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

1st Yr Premium Vesting Bonus

Riders:

OH, OK, SC, UT, WA (10Yr) 14-13-12-11-10-8-6-4-2-1-0%

Surrender Charges:

Income 150+SM _{fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Products and}

features are subject to state availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%. Barclays Armour Index II is a trademark of Barclays Bank PLC or its affiliates and has been licensed for use in connection with the issuance and distribution of Income 150+ fixed index annuity. The Income 150+ is not sponsored by, endorsed, sold, or promoted by Barclays, and Barclays makes no representation regarding the advisability of investing in the Income 150+

1.40%

_{Riders: NCR, TIR (Rates 1.00% less in AK, DE,}

MD, MN, NV, OH, OK, OR, SC, TX, UT, WA)

Fixed Account Strategy

For Agent Use Only- Not for use with the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

Performance Pro

®

FPDA

Issue Ages:

DB = AV (availability varies by state)

Monthly Pt-to-Pt w/Cap

1.15%

14.00%

1.50%

1.15%

1.10%

1.10%

1.35%

Guaranteed Lifetime Income Benefit

DB = AV

Surrender Charges:

5.00%

Annual Pt-to-Pt w/Cap

2.25%

2.25%

2.75%

(10 Yr) 10-10-9-9-8-7-6-5-4-2-0% no MVA_+/-MVA

Income 125+SM _{fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA2001SPDAX-01 and FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). Products and features are subject to state}

availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%.

Income 150+

SM

(SPDA)

Issue Ages:

_7.00%

ARMOUR II - 3 Yr Pt-to-Pt w/Spread

10.50% 10.50% 8.50%

10% beginning of the year Contract Value after the first Contract Year

(Rates 1.00% less in AK, CT, DE, FL, MN, NV, OH, OR, SC,

TX, UT, WA)

Fixed Account Strategy

1.10%

1.10%

1.35%

Guaranteed Lifetime Income Benefit Increased Death Benefit Guarantee

DB = AV

Monthly Pt-to-Pt w/Cap

1.15%

1.15%

1.40%

+/-MVA

Riders: NCR, TIR

8.00%

5.00%

Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Form Number(s) API-1018 (06-11), ACI-1018 (06-11), et al. Subject to state availability. Certain restrictions may apply. Indexed interest rates are subject to a cap. Surrender charges may apply to withdrawals. Withdrawals may be

taxable and if made prior to ages 59 ½ may result in tax penalties. Optional provisions and riders may have limitations, restrictions and additional charges. A.M. Best rating as of December 17, 2014, S&P rating as of July 31, 2015. For most current rating information, please contact Fidelity & Guaranty Life at 1-800-445-6758 or visit their website at home.fglife.com . • No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value if surrendered early. See Page 15 for S&P & Nasdaq Disclaimers

Income 125+

SM

_(SPDA)

Annual Pt-to-Pt w/Cap

2.25%

2.25%

2.75%

10% beginning of the year Contract Value after the first Contract Year Surrender Charges: (10 Yr) 12-12-11-10-9-8-7-6-4-2-0% Issue Ages:

7.00%

Fixed Account

EGMWB NCR, TIR, HHC

5 Yr DJ US Real Estate Risk Control 10% Index (spread)

Gold 1 Yr Annual Pt-to-Pt Cap

S&P 500

®

3 Year Pt-to-Pt Cap

S&P 500

®

2 Year Pt-to-Pt Cap

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

December 4, 2015

Interest Crediting Strategies

State Availability

Surrender Charges/Riders

Different in AK, AZ, FL, HI, IL, MA, NV, NH

1 Yr S&P 500

®

Monthly Pt-to-Pt Cap

2.00%

4.50%

6.50%

Min. cap 1% for monthly pt-to-pt index option, 1% min. cap per year for annual pt-to-pt index options. 2% min. cap per period for 2 & 3 yr pt-to-pt index options. 5% max. spread per yr on DJ US RE Risk Control index. Fixed Account initial rate guaranteed for first yr. Min. guaranteed rate is set at issue between 1% and 3%. MGSV is 87.5% of premium at MGSV rate between 1.00% and 3.00%, set at issue and fixed for the life of the contract.

+/- MVA

S&P 500

®

1 Yr Annual Pt-to-Pt Cap

9.50%

16.00%

5.00%

Ages 0-75

Maximum Premium: 1 million w/o home office appr. Minimum Premium: $10,000 Q/NQ

Genworth Life and Annuity Insurance Company -

Richmond, VA

A.M. Best (A-) Excellent S&P (BBB-) Good

$25,000- $50,000- $100,000- $250,000

$49,999 $99,999 $249,999 or more

NY

Available for new allocation at contract issue only. Not available for allocation in the first year.

$25,000- $100,000- $250,000 $99,999 $249,999 or more

NY

Available for new allocation at contract issue only. Not available for allocation in the first year.

$25,000- $100,000- $250,000 $99,999 $249,999 or more

Free Withdrawal:

STATES NOT APPROVED: CT, NY

Approved with 3% Premium Enhancement & reduced surrender charges in:

CA, DE, NJ, NV, OH, OK, SC, TX, UT

Available for new allocation at contract issue only.

Approved with 1% Premium Enhancement, different rates & reduced surrender charges in: AK, MN, MO, OR, PA, WA Not available for allocation in the first year.

8

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

State Availability

Surrender Charges/Riders

Up to 10% of the contract value annually, beginning in year 2. For qualified contracts, RMD permitted in all years.

Minimum Premium: $25,000 NQ/Q Maximum Premium: 1 million w/o home office appr.

(subject to a 10 year vesting schedule & varies by state)

Up to 4% Premium Enhancement

(5 Yr) 9-9-8-7-6-0 %

Riders:

+/- MVA (in most states)

3.00%

Volatility Control Spread Strategy

Surrender Charges:

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

December 4, 2015

Interest Crediting Strategies

SecureLiving

®

_{Index 5}

(SPDA) Free Withdrawal: Issue Ages:

Up to 10% of the contract value annually, beginning in year 2. For qualified contracts, RMD permitted in all years.

0-85 Q/NQ (0-80 in OK)

2.00%

+/- MVA

Ages 0-75

Annual Cap

4.25%

4.45%

Annual Spread (par rate 100%)

Performance Trigger Strategy

2.25%

2.90%

3.30%

3.50%

1.05%

1.00%

1.10%

STATES NOT APPROVED: Annual Spread (par rate 100%)

4.35%

3.10%

2.60%

2.40%

3.00%

3.75%

Free Withdrawal: Issue Ages:

1.35%

1.50%

1.75%

1.85%

SecureLiving

®

_{Index 7}

(SPDA)

1.15%

5 Year Fixed Strategy

1 Year Fixed Strategy

Ages 0-75

Ages 76-80

Minimum Premium: $25,000 NQ/Q

Approved with lower rates & reduced surrender charges in: AK, MN, MO, OR, PA, WA

Ages 76-80

DB = AV

Up to 10% of the contract value annually, beginning in year 2. For qualified contracts, RMD permitted in all years.

0-85 Q/NQ (0-80 in OK)

no riders available

Surrender Charges:

3.95%

4.15%

Maximum Premium: 1 million w/o home office appr.

3.50%

3.70%

Performance Trigger Strategy

3.00%

_Riders:

3.00%

4.45%

4.95%

5.15%

+/- MVA (7 Yr) 9-9-8-7-6-5-4-0 %

Minimum Premium: $25,000 NQ/Q

7 Year Fixed Strategy

_1.70%

_1.95%

_2.05%

1.50%

NCR

Monthly Cap

1.80%

STATES NOT APPROVED:

Approved with lower rates & reduced

DB = AV

Surrender Charges:

Guaranteed Minimum Accumulation Value is 107% of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period.

SecureLiving

®

_{Index 10 Plus}

(SPDA) Issue Ages:

0-80 Q/NQ

surrender charges in: AK, MN, MO, OR, PA, WA

Bailout Cap Rate

2.45%

2.95%

3.15%

1 Year Fixed Strategy

_1.00%

_1.25%

_1.35%

1.00%

1.25%

1.35%

DB = AV

Annual Spread (par rate 100%)

1.25%

0.75%

Volatility Control Spread Strategy

(10 Yr) 10-10-10-10-9-8-7-6-5-4-0 %

Ages 76-80

5.00%

NCR

Monthly Cap

Performance Trigger Strategy

7.00%

Income Protection Rider

Ages 0-75

1.55%

1.80%

1.90%

1 Year Fixed Strategy

SecureLiving® Index annuities are issued by Genworth Life and Annuity Insurance Company, Richmond, VA. Subject to policy forms GA3003-0711, GA3004-0711 and GA300R-0511 et al. Features and optional riders may not be available in all states. Min. cap 0.50% for monthly pt-to-pt index option, 0.50% min. cap per year for annual pt-to-pt and performance trigger options. Min. 0.50% for fixed rate strategies. Surrender charges may apply to withdrawals. Withdrawals may be taxable and if made prior to age 59 ½ may result in tax penalties. This is a brief product description. Consult the annuity contract for a detailed description of benefits, limitations, and restrictions. Insurance and annuity products: Are not deposits. Are not guaranteed by a bank or its affiliates. May decrease in value. Are not insured by the FDIC or any other federal government agency.

2.60%

3.10%

3.30%

Riders:

3.45%

2.15%

1.65%

1.45%

Volatility Control Spread Strategy

For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

1.50%

1.70%

1.80%

10 Year Fixed Strategy

Bailout Cap Rate

2.00%

2.75%

3.25%

3.45%

Maximum Premium: 1 million w/o home office appr.

0.55%

Annual Cap

3.45%

3.95%

4.15%

1.30%

1.70%

1.90%

2.00%

Annual Cap

1.70%

1.00%

Ages 81-85

1.50%

Ages 81-85 Income Protection Rider

4.50%

Guaranteed Minimum Accumulation Value is 104% of premium less adjustment for any withdrawals and applicable rider fees. Calculated only at the end of the surrender charge period.

Monthly Cap

Great American Life Insurance Company

®

A.M. Best (A) Excellent S&P (A+) Strong

Free Withdrawal: 0-85 NQ 18-85 Q

Ages up to 75

Minimum Premium: $10,000 Q/NQ

$2,000 Q/NQ for Additional Ages 76-80

Maximum Premium: w/o home office appr.

$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+

STATES NOT APPROVED: Ages 81-85

NY

Free Withdrawal: 0-85 NQ 18-85 Q

Ages up to 75

Minimum Premium: $10,000 Q/NQ

$5,000 NQ or $2,000 Q for Additional Ages 76-80

Maximum Premium: w/o home office appr.

$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+

Ages 81-85

STATES NOT APPROVED:

NY

Free Withdrawal: 0-85 NQ 18-85 Q

Ages up to 75

Minimum Premium: $25,000 Q/NQ

$5,000 NQ or $2,000 Q for Additional Premium

allowed 60 days from issue ONLY Ages 76-80

Maximum Premium: w/o home office appr.

$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+

STATES NOT APPROVED: Ages 81-85

NY

Free Withdrawal: 0-85 NQ 18-85 Q

$100,000+

Ages up to 75

Minimum Premium: $10,000 Q/NQ

$5,000 NQ or $2,000 Q for Additional Premium

allowed 60 days from issue ONLY Ages 76-80

Maximum Premium: w/o home office appr.

$1,000,000 ages 0-75 $750,000 ages 76-80 $500,000 ages 81+

STATES NOT APPROVED: Ages 81-85

NY

9

See Page 15 for Rider Abbreviations, INDEX & Additional Disclosures

4.75%

3.25%

2.25%

S&P 500

®

18 Month Pt-to-Pt Cap 7.25%*

SPDR

®

Gold Shares Annual Pt-to-Pt Cap 4.75%

Fixed Rate Strategy 1.90%

10% of Purchase payments in first year. 10% of account value beginning in year two

Inheritance Enhancer℠, NCR, TIR

December 4, 2015

Interest Crediting Strategies

State Availability

Surrender Charges/Riders

S&P 500

®

Risk Control 1 Yr Pt-to-Pt 55% Par Rate*

IncomeSecure℠, IncomeSustainer ® Plus

Issue Ages:

18-75 Inherited IRA

3.65%

S&P 500

®

Annual Pt-to-Pt Cap 5.00%

*Index availability subject to state approval. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. **IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!

4% Premium Bonus 1

st

3 Yrs.*

Issue Ages:

5.00%

Surrender Charges: (7 Yr) 9-8-7-6-5-4-3-0% no MVA Riders:**

1.65%

Riders:***

Fixed Index Annuities

Product / Participation Rate

Free Withdrawal

1

_{/Minimum Premium}

_{Issue Ages}

Commission

2

10% of Purchase payments in first year. 10% of account value

beginning in year two Surrender Charges:

Inheritance Enhancer℠, NCR, TIR DB = AV

*Bonus available first 3 yrs. Referred to as Purchase Payment bonus in contract. **Index availability subject to state approval. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. 100% participation rate on Monthly Average and Annual Pt-to-Pt Spread option is guaranteed for life of contract. Maximum spread is 8%. Minimum Daily Average Participation Rate is 50%. ***IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!

Safe Return

SM

(SPDA)

P1074509NW

Return of Premium Guarantee

Issue Ages:

_5.50%

Fixed Rate Strategy 1.00%

S&P 500

®

Monthly Average Cap 5.25%

10% of Purchase payments in first year. 10% of account value

beginning in year two

S&P 500

®

Monthly Average Bailout Cap 3.00%

_{(10 Yr) 10-9-8-7-6-5-4-3-2-1-0% no MVA}Surrender Charges:

_4.50%

18-75 Inherited IRA

S&P 500

®

Annual Pt-to-Pt Cap 5.25%

S&P 500

®

Annual Pt-to-Pt Bailout Cap 3.00%

_{IncomeSecure℠, IncomeSustainer ® Plus}Riders:**

_1.50%

charges decrease monthly

Fixed Rate Strategy 1.00%

_{DB = AV}

Return of premium value is sum of all purchase payments, less the sum of all net withdrawals. Included at no extra charge. MGIR is 1% of 100% less any withdrawals and early withdrawal charges. **IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!

Safe Outlook

®

(SPDA)

P1077409NW Issue Ages:

3.50%

Inheritance Enhancer℠, NCR, TIR

under $100,000

S&P 500

®

Monthly Average Cap

5.00%

5.25%

10% of Purchase payments in first year. 10% of account value

beginning in year two Surrender Charges:

18-75 Inherited IRA

S&P 500

®

Monthly Avg Bailout Cap

3.00%

3.00%

(6 Yr) 9-8-7-6-5-4-0% no MVA

_2.60%

S&P 500

®

Annual Pt-to-Pt Cap

4.70%

4.95%

_Riders:**

S&P 500

®

Ann Pt-to-Pt Bailout Cap

3.00%

3.00%

IncomeSecure℠, IncomeSustainer ® Plus

MGIR is 1% of 90% less any withdrawals and early withdrawal charges. **IncomeSecure, IncomeSustainer Plus and Inheritance Enhancer availability varies by state, NCR & TIR not available in MA. Trails Now Available. Call Today!

For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state.

American Legend

®

_III

(FPDA)

P1457113NW

1.70%

Inheritance Enhancer℠, NCR, TIR

Fixed Rate Strategy

2.00%

2.10%

_{DB = AV}

S&P 500

®

Annual Pt-to-Pt 100% Par Rate 5.00% Cap

S&P 500

®

Monthly Average 100% Par Rate 5.25% Cap

S&P 500

®

Risk Control 1 Yr Pt-to-Pt 55% Par Rate**

American Valor

®

10

(FPDA)

P1431410NW

S&P 500

®

1-Year Monthly Sum Cap 2.00%

(10 Yr) 10-9-8-7-6-5-4-3-2-1-0% no MVA

IncomeSecure℠, IncomeSustainer ® Plus charges decrease monthly