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Last Updated07/01/16MLE Insurance866-577-6916TRADITIONAL FIXEDAnnuity Product Reference GuideBLASTOFFyour annuity sales with thisGREAT NEW 0%2.80% Want more details about this product?Give us a call!!!(Not Available inAK, CA, HI, MD,MN, MO, NJ, NY,PA, VA & WA)7Your potential annuitysales await!(Not Available in NY)2.00%1.95%2.90%2.75%3.00%2.80%Check out these features!Athene is rated A- by A.M. Best!1 5,000 Initial Premium MinimumFlexible Premium MYG product!10% penalty-free withdrawalsBuilt-in Terminal Illness Waiverand Confinement Waiver21. Financial strength ratings for Athene Annuity & Life Assurance Company, AtheneAnnuity and Life Company, Athene Annuity & Life Assurance Company of New Yorkand Athene Life Re Ltd. S&P, A.M. Best and Fitch’s credit ratings reflect their assessmentof the relative ability of an insurer to meet its ongoing insurance policy and contractobligations.5OPEN HERE!Multi-Year Fixed Strategy - InitialPremiumMVANon-MVA3-year5-year7-year1-Year Fixed Strategy - AdditionalPremiumMVANon-MVA2016July2. Waivers may not be available in all states. Additional limitations, variations andexclusions may apply.For Agent Use Only. Not to be used with the offer or sale of annuities .All rates currentas of 04/13/16 and are subject to change at any time. State variations may apply. Notavailable in all states.1476852-1211016Contact us Today!MLE 61-2634Neil or Ed(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 Overviews3MULTI-YEAR GUARANTEES4AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 221-12345AMERICAN GENERAL LIFE COMPANIES*Policies issued by American General Life and United States Life (NY only)A.M. Best Rating* A (excellent) (888) 438-69336AMERICAN NATIONAL INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 835-53207ATHENE ANNUITY & LIFE ASSURANCE COMPANYA.M. Best Rating A- (excellent) (855) 428-4363, option 18EQUITRUST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (866) 598-36949GREAT AMERICAN LIFE INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 438-3398 x1719710GUGGENHEIM LIFE & ANNUITY COMPANYA.M. Best Rating B (good) (800) 767-774911LINCOLN FINANCIAL GROUPA.M. Best Rating A (superior) (800) 238-625211MUTUAL OF OMAHAA.M. Best Rating A (superior) (800) 775-7898 x416812NORTH AMERICAN COMPANY FOR LIFE AND HEALTHA.M. Best Rating A (superior) (877) 586-0242 x356766SAGICOR LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 724-4267 x6180(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 American General Life Insurance Company in terms of insurerfinancial strength. For current insurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosures for additional information.2

Multi-Year GuaranteesCompanyAthene AnnuityEqui-Trust LifeGuggenheimGuggenheimAmerican NationalAthene AnnuityNorth AmericanAmerican EquityAmerican NationalGuggenheimEquiTrust LifeAmerican EquityNorth AmericanAthene AnnuityLiberty Bankers LifeNorth AmericanAmerican NationalAmerican EquityAmerican GeneralNorth AmericanGuggenheimAM BestRatingSurrenderChargesAB B B AAA AA3 years3 years3 years4 years5 years5 years5 years5 years6 yearsB B AA AB A AAAA B 6 years6 years6 years6 years7 years7 years7 years7 years7 years7 years8 years8 yearsProduct NameMYG - 3Certainty Select - 3Preserve MYG - 3Preserve MYG - 4Palladium MYG - 5MYG - 5Guarantee Choice - 5Guarantee - 5Palladium MYG - 6Preserve MYG - 6Choice - 4Guarantee - 6Guarantee Choice - 6MYG - 7Bankers Premier - 7Guarantee Choice - 7Palladium MYG - 7Guarantee - 7Solutions MYG - 7Guarantee Choice - 8Preserve MYG - 8GUARANTEE PERIOD1st YearRate .25%2.25%2.00% yrs 2-31.80% yrs 2-31.80% yrs 2-31.90% yrs 2-41.70% yrs. 2-52.90% yrs 2-52.30% yrs. 2-52.25% yrs. 2-52.25% yrs. 2-6AverageAnnual 2.50%3.60%2.50% yrs. 2-62.00% yrs 10%2.55%2.70%2.45% yrs. 2-52.05% yrs. 2-63.00% yrs 2-73.05% yrs. 2-72.30% yrs. 2-72.25% yrs. 2-72.70% yrs. 2-72.10% yrs. 2-72.55% yrs. 2-82.70% yrs. 70%Equi-Trust LifeB 8 yearsCertainty Select – 82.85%2.85% yrs. 2-82.85%GuggenheimB 9 yearsPreserve MYG - 92.80%2.80% yrs. 2-92.80%EquiTrust LifeB 10 yearsCertainty Select - 103.00%3.00% yrs. 2-103.00%North AmericanAmerican NationalAmerican GeneralGuggenheimNorth AmericanA AAB A 9 years9 years10 years10 years10 yearsGuarantee Choice - 9Palladium MYG - 9Solutions MYG - 10Preserve MYG - 10Guarantee Choice - 102.65%4.15%2.15%2.90%2.75%2.65% yrs. 2-92.15% yrs. 2-92.15% yrs. 2-102.90% yrs. 2-102.75% yrs. 2-102.65%2.37%2.15%2.90%2.75%3For Agents Use Only . Call for state approvals. Rates and commissions subject to change. Check individual commission schedules for guaranteed accuracy and descriptions.

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY tMinimumPremiumWithdrawalProvisionsSurrender ChargesMVAY YesN NoStates NotAvailableNCT, FL, IN, MN, NJ, NV,NY, OH, OK, OR, PA,TX, WA18-78 Q and NQNAK, CT, DE, IN, MN, NJ,NV, NY, OH, OK, OR, PA,TX, UT, WA18-85 Q and NQYNYIssueAgesPremier Eagle 10NEW10% Premium Bonus on premiums added in years 1-5(5% bonus issue ages 76-80)Current Fixed Value Rate– 2.00%MGIR-CV:Currently 2.00% 10,000Q & NQ10% of contract value annually starting in year 2.Systematic W/D & RMD immediately.(5% bonus yrs 1-5 ages 1880 in AK, DE, SC, UT)15 years (18-75)20, 19.5, 19, 18.5, 18,17.5, 17, 16, 15, 14, 12,10, 7.5, 5, 2.5, 0%)18-80 Q and NQ10 years for ages 76-80(15, 14, 13, 12, 11, 9.5, 8,6.5, 5, 2.5, 0%)Premier Eagle 12NEW8% Premium Bonus on allfirst year premiumsCurrent fixed value rate– 1.00%MGIR-CV: currently1.00% 10,000Q & NQ10% of contract value annually starting in year 2.Systematic W/D & RMD immediatelyAsk about the 14 year bonus vesting schedule10 years(12.5, 12, 12, 11, 10, 9, 8,7, 6, 4, 0%)Guarantee 5Guarantee 6Guarantee 7NEWGuarantee 52.25%Guarantee 62.45%Guarantee 72.70%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.5 years(9, 8, 7, 6, 5, 0%)MGIR:Currently 1.00% 10,000Annually, Penalty-free withdrawal of interest creditedthat contract year6 years(9, 8, 7, 6, 5, 4, 0%)7 years(9, 8, 7, 6, 5, 4, 3, 0%)4

AMERICAN GENERAL LIFE COMPANIES stMinimumPremiumAmerican PathwaySMOne Yearwith Premium Bonus andwith Guarantee ROP: 100,0001.00%Year 11.00% 5,000 NQ 2,000 Q 100,0002.00%Year 1NEW 100,0002.15%Year 11.00% 5,000 NQ 2,000 Q 100,0003.15%Year 1NEWLow BandHigh Band1.80%2.00%6 Year1.95%2.10%7 Year2.10%2.25%8 Year2.00%2.15%9 Year2.05%2.20%10 Year2.15%2.30%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.States NotAvailableTerminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partialwithdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required.5 years(9,8,7,6,5)0-90(0-85 inNY)Q&NQDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she mayelect to become the new “owner” or receive a disttibutionYIA, MN, MO, SCTerminal Illness Waiver: Early withdrawal charge fees will be waived on one full or partialwithdrawal upon the diagnosis of a terminal illness that will result in the death of a contract owner within one year. Written documentation from a qualified physician is required.7 years(9,8,7,6,5,4,2)0-90(0-85 inNY)Q&NQDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she mayelect to become the new “owner” or receive a disttibutionYIA, MN, MO, SC0-85Q&NQYIA, MN, MO, SCOptional Return of Premium Guarantee: The annuity may be returned at anytime for anamount equal to the single premium paid, less prior withdrawals, or the withdrawal value,whichever is greater. Adding this feature will result in a slightly lower initial interest ratethan a contract without the feature would receive.5 YearSolutions MYGMVAY YesN NoPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees will bewaived if the owner is confined to a qualifying insitution or extended care facility for 90consecutive days or longer.One Yearwith Premium Bonus andwith Guarantee ROP:American PathwaySMIssueAgesOptional Return of Premium Guarantee: The annuity may be returned at anytime for anamount equal to the single premium paid, less prior withdrawals, or the withdrawal value,whichever is greater. Adding this feature will result in a slightly lower initial interest ratethan a contract without the feature would receive.American PathwaySMFixed 7 AnnuitySurrenderChargesPenalty-Free Withdrawal Privilege: After 30 days from contract dateExtended Care Waiver: After 1st contract year, early withdrawal charge fees will bewaived if the owner is confined to a qualifying insitution or extended care facility for 90consecutive days or longer.Fixed 5 AnnuityNEWWithdrawalProvisionsPenalty-Free Withdrawal Privilege: After Year 1, 15% free withdrawals. After 30 days fromcontract date1.00% 10,000 NQ 2,000 QDeath Benefits: If the spouse is the sole beneficiary of a deceased owner, he/she mayelect to become the new “owner” or receive a disttibutionEarly Withdrawal Charge Waiver: After the first contract year, withdrawal charge fees willbe waived if the owner cannot perform two or more of the six defined activities of dailyliving (bathing, continence, dressing, eating, toileting, and transferring) for at least 90consecutive days. Written certification by a licensed healthcare 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)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

AMERICAN NATIONAL INSURANCE COMPANY (ANL)FIXEDPRODUCTSPalladium MYGPalladiumCentury - 12PalladiumCentury - 32PalladiumCentury - 52PalladiumCentury - 72GREATCurrentInterest5-yr 2.80% yr.1 1.80% yrs 2-56-yr 2.35% yrs. 1-67-yr 3.35% yr.1 2.35% yrs. 2-78-yr 2.50% yrs. 1-89-yr 4.25% yr.1 2.25% yrs. 2-910-yr 3.30% yr.1 2.30% yr. 2-102.30% Yr-1(in FL, IN, NC, TX, UT, VA, WA, WI.10% der ChargesIssueAgesMVAY YesN NoMonthly interest option. 10% free beginning yr 2. Transplant surgery waiver. Confinement Waiver. Available thru issue ages. Full account value paid at death.5-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 after guaranteed period)0-85YNY, UT 5,000Q&NQConfin. waiver, Disabil. wavier Available thru issue ages. (add. Prem. will beaccepted during the 1st. contract yr. only. The add. Prem. will receive enhancedinterest for a full 12-mo. from the date received. The death benefit will be annuityvalue (prem. plus interest earned - any withdrawals) 10% Penal. Free begin. yr 1.Mo. Interest. option.10 years(10,9,8,7,6,5,4,3,2,1)0-90Q&NQYAL, CT, FL, IL,MA, MN, NJ,NY, OH, OK,OR, PA, TX,UT, WA10 years(11,10,9,8,7,6,5,4,3,2)0-85Q&NQYAL, CT, FL, IL,MA, MN, NJ,NY, OH, OK,OR, PA, TX,UT, WAMinimumPremium 5,000Q&NQ1.00%1.00%(Initial deposits under 100,000 subtract.10 basis points)StatesStatesNotNotAvailableAvailable4.30% Yr-1(in FL, IN, NC, TX, UT, VA, WA, WI.10% lower)1.00% 5,000-Q&NQConfin. waiver, Disabil. wavier Available thru issue ages. (add. Prem. will beaccepted during the 1st. contract yr. only. The add. Prem. will receive enhancedinterest for a full 12-mo. from the date received. The death benefit will be annuityvalue (prem. plus interest earned - any withdrawals) 10% Penal. Free begin. yr 1.Mo. Interest. option.6.30% Yr-1(in FL, IN, NC, TX, UT, VA, WA, WI.10% lower)1.00% 5,000-Q&NQConfin. waiver, Disabil. wavier Available thru issue ages. (add. Prem. will beaccepted during the 1st. contract yr. only. The add. Prem. will receive enhancedinterest for a full 12-mo. from the date received. The death benefit will be annuityvalue (prem. plus interest earned - any withdrawals) 10% Penal. Free begin. yr 1.Mo. Interest. option.10 years(12,12,11,10,9,8,6,4,3,2)0-80Q&NQYAL, CT, FL, IL,MA, MN, NJ,NY, OH, OK,OR, PA, TX,UT, WA8.30% Yr-1(in FL, IN, NC, TX, UT, VA, WA, WI.10% lower)1.00% 5,000-Q&NQConfin. waiver, Disabil. wavier Available thru issue ages. (add. Prem. will beaccepted during the 1st. contract yr. only. The add. Prem. will receive enhancedinterest for a full 12-mo. from the date received. The death benefit will be annuityvalue (prem. plus interest earned - any withdrawals) 10% Penal. Free begin. yr 1.Mo. Interest. option.10 years(12,12,11,11,10,9,8,6,4,2)0-80Q&NQ(Utah0-55-Q &NQ)YAL, CT, FL, IL,MA, MN, NJ,NY, OH, OK,OR, PA, TX, WA1.00% 5,000-Q&NQ(Initial deposits over 100,000 receive .10additional basis points)10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. PrincipalGuarantee: Minimum surrender value is a return of premiums paid, less any cumulative withdrawals.The policy will now be owner driven. The death benefit will be paid only upon death of owner, notthe annuitant. Please note this will affect chargebacks. In the event of a death or full surrender inthe first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as onlyConfinement and Disability. The definition of Confinement is changing from 60 days to 30 days. If thecontract owner is confined for will be imposed on any surrender or withdrawal. Please note TerminalIllness is included in the disability waiver.5 years(7,7,7,6,5)0-85NQ & QNNY, OR1.00% 2,000Q 5,000NQ(Initial dep. over 100Kreceive .10 add. basispoints.) Add. Prem 1,000 random or 100/mo. bank draft.10% Penalty Free beginning year 1. Mo. interest option. Full account value paid at death. PrincipalGuarantee: Minimum surrender value is a return of premiums paid, less any cumulative withdrawals.The policy will now be owner driven. The death benefit will be paid only upon death of owner, notthe annuitant. Please note this will affect chargebacks. In the event of a death or full surrender inthe first year, and owner is over 80, there will be a 100% chargeback. Now being marketed as onlyConfinement and Disability. The definition of Confinement is changing from 60 days to 30 days. If thecontract owner is confined for will be imposed on any surrender or withdrawal. Please note TerminalIllness is included in the disability waiver.7 years(7,7,7,6,5,4,2)0-85NQ & QNNY, ORDiamondCitadel - 52.20% Yr-11.20% Yr-2(2 year rate)DiamondCitadel - 7(2 year rate)3.35% Yr-11.35% Yr-2SAGICOR LIFE INSURANCE COMPANY erestMinimumPremiumWithdrawalProvisionsGold Series2.50%2.00%Sage Choiceyear 1(yrs 1-10with Bailout& 3.00%Featurethereafter)Before sending business to Sagicor: Everyagent in all states must have it confirmedthat the product training has beensuccessfully completed.SinglePurchasePayment 5,000Q&NQ(noinheritedIRA’s)Monthly Interest Option (MIO) available for policies with an account valie of 25,000 or greater. Deathbenefit is equal to contract values as of the date we receive due proof of the Owner’s death Surrendercharges and MVA waived upon death of the Owner. Waiver of Surrender Charge Rider: If the Ownerof the contract is confined to a licensed nursing home or hospital for 90 consecutive days or more, thepolicy accumulation value will be available without a surrender charge or MVA. This rider is provided atno extra cost. Available thru issue ages. Free Partial Withdrawals: Beginning in Year 1 the Owner maymake one withdrawal per year up to 10% of the accumulation value without incurring charges. Afterthe first contract year, the renewal rate is lower than a rate that is 1% below theinitial fixed interest rate, the owner msy request, within 30 days of notification,to receive the accumulation value without incurring a surrender charge or MVA.Rates and Commissions subject to change.(For Agent Use Only)Check for current state approvals.Not intended for soliciting annuity sales from the public.2) Two year charge back - 100% year 1 & 50% year 2SurrenderChargesIssueAgesMVAY YesN No6 Years(7,7,7,6,5,3)15 days toage 90-NQ15 days toage 75-QY(MVA notavailablein MOStates NOTAvailableAK, CT, ME,MI, NH, NY,VTDue to unprecedented volume, Sagicor Life InsuranceCompany will be limiting the premium amounts for allSagicor deferred annuities to 300,000 or less perowner until further notice.6

ATHENE ANNUITY & LIFE ASSURANCE COMPANY (ALA)FIXEDPRODUCTSMYG:NEWMulti-Year FixedStrategyWith MVAMYG:GuaranteedInterestMinimumPremium3 year2.00%5 year2.90%1.00% 5,000Q&NQNEWNo MVA3 year1.95%5 year2.75%1.00% 5,000Q&NQ1-Year Fixed Strategy(additional premium)With MVAA Multi-Year Fixed Strategy is used to credit interest to the Initial Premium. The interest rate isguaranteed for the full Term Period. At the end of the Term Period the Accumulated Value will betransferred to the 1-Year Fixed Strategy.3 year(8, 8, 7)10% free withdrawals available year 1.1.00% 1,000 minimumon additionalpremiums5 year(8, 7, 6, 5, 4)Terminal Illness Waiver and Confinement Waiver built-in (not available in all states)7 year(9, 8, 7, 6, 5, 4, 3)A Multi-Year Fixed Strategy is used to credit interest to the Initial Premium. The interest rate isguaranteed for the full Term Period. At the end of the Term Period the Accumulated Value will betransferred to the 1-Year Fixed Strategy.3 year(8, 8, 7)10% free withdrawals available year 1.Terminal Illness Waiver and Confinement Waiver built-in (not available in all states)3 year2.00%5 year2.90%SurrenderChargesFlexible Premium!7 year2.80%NEWWithdrawalProvisionsFlexible Premium!7 year3.00%Multi-Year FixedStrategyMYG:CurrentInterestAdditional Premiums will be allocated to the 1-Year Fixed Strategy. The Initial InterestRate for this strategy is set at issue and is guaranteed for one year. A Renewal Interest Rate isdeclared on each Contract Anniversary for the next Contract Year. This rate may vary each year,but it will always equal or exceed the MinimumRenewal Interest Rate.10% free withdrawals available year 1.7 year3.00%Flexible Premium!3 year1.95%Additional Premiums will be allocated to the 1-Year Fixed Strategy. The Initial InterestRate for this strategy is set at issue and is guaranteed for one year. A Renewal Interest Rate isdeclared on each Contract Anniversary for the next Contract Year. This rate may vary each year,but it will always equal or exceed the MinimumRenewal Interest Rate.5 year(8, 7, 6, 5, 4)7 year(9, 8, 7, 6, 5, 4, 3)IssueAgesMVAY YesN NoStates NotAvailableYAK, CA, HI, MN,MO, NJ, NY, PA, WANNYYAK, CA, HI, MN,MO, NJ, NY, PA, WAYNY0-85(3 year)0-83(5 year)0-83(7 year)0-85(3 year)0-83(5 year)0-83(7 year)3 year(8, 8, 7)0-85(3 year)5 year(8, 7, 6, 5, 4)0-83(5 year)7 year(9, 8, 7, 6, 5, 4, 3)0-83(7 year)3 year(8, 8, 7)0-85(3 year)5 year(8, 7, 6, 5, 4)0-83(5 year)7 year(9, 8, 7, 6, 5, 4, 3)0-83(7 year)Terminal Illness Waiver and Confinement Waiver built-in (not available in all states)MYG:NEW1-Year Fixed Strategy(additional premium)No MVA5 year2.75%7 year2.80%1.00% 1,000 minimumon additionalpremiums10% free withdrawals available year 1.Flexible Premium!Terminal Illness Waiver and Confinement Waiver built-in (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.7

EQUITRUST LIFE INSURANCE COMPANY (ETL)MULTI-YEARPRODUCTSCertainty Select(with optionalrider)Choice FourGREATCurrentInterest3 yr - 1.80%5 yr. - 2.50%6 yr. - 2.65%yrs 1-68 yr. - 2.85%yrs 1-810 yr. - 3.00%yrs 1-10Base Contract: 9yr. - 2.50%MVA Option: 9yr. - 4.00%(1.50% Bonus)Liquidity Option:6 yr. - 2.10%Liquidity & MVAOption:6 yr. - 3.60%(1.50% Bonus)GuaranteedInterest2.00% on87.5% ofpremium2.00% on100% ofpremiumMinimumPremium 10,000Q&NQ 10,000Q&NQ( 2,000AdditionalDeposits inYear 1)WithdrawalProvisionsMUSTCOMPLETEPRODUCT TRAININGBEFORE SUBMITTINGBUSINESS TO EQUITRUSTSurrenderCharges30-day window: During the 30 days prior to the end of the guarantee period, the following options are available:Renew for the same guarantee period and surrender charge schedule. Take a partial withdrawal without Surrender Charges or MVA. Surrender without Surrender Charges or MVA. Annuitize the contract for at least a 10-yearperiod or life. Annuitization availability may vary by state. Nursing Home Waiver: Available through applicant age80. There is no charge for this rider. After the first contract year, requires nursing home confinement of Ownerfor 90 days. Not available in MA. Rate Hold: If the initial premium is not received with the application but isreceived with in 60 days, the contract will be credited with the higher of the credited rate on the date of receiptof the application and the credited rate for new issues on the date the premium is received. Base Contract FreeWithdrawals: Cumulative interest earned may be withdrawn at anytime without surrender charge or MVA, eithersystematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least 250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and mustbe taken EFT. Base Contract Death Benefit: Upon death of first Owner, Accumulation Value.*Effective February5, a re-filled version of Certainty select will be offered in six states: IA, MN, OK, OR, TX, UT, and WA. Thenew contract is form series ICC13-ET-MYG-2000(07-13), and has variations from the original Certainty Selectproduct filing. For these six states, the following variations exist: (Surr Charges: 9%,8%,7%,6.5%,5.5%,4.5%,3.5%,2.5%,1.5%,0.5% (surr charge period matches guarantee period) Base Contract only.Base Contract:(3 Yr) 10,10,9(5 Yr) 10,10,9,9,8(6 Yr) 10,10,9,9,8,8(8 Yr) 10,10,9,9,8,8,7,7(10 Yr) 10,10,9,9,8,8,7,7,6,5By current company practice, the accum value is available for annuitization after the 5th year if a minimumpayout of 5 years of life is elected. Available through issue age 80. There is no charge for this rider. After the firstcontract year, nursing home confinement of Owner for 90 days. Not available in MA. Base contract surr charge:Based on a % of the accum value. Applied to partial withdrawals in excess of the free withdrawal amt. Basecontract free withdrawals: interest earned in previous 12 months may be withdrawn at anytime w/o surr chargeor MVA. Liquidity option: a lower interest rate will apply. During 1st contract yr up to 10% of accum value on previous contract anniversary may be withdrawn each contract yr w/o surr charge or MVA. If both MVA & Liquidityoptions are selected, the contract is issued with a 6-yr surr charge schedule.Base Contract: (9 Yr)(12,11,10,9,8,7,6,4,2)FL ONLY: (10,10,10,9,8,7,6,4,2)NV & OH ONLY:(9,8,7,6.5,5.5,4.5,3.5,2.5,1.5)Liquidity Option: (6 Yr)(12,11,10,9,8,7)FL ONLY: (10,10,10,9,8,7)NV & OH ONLY:(9,8,7,6.5,5.5,4.5)IssueAges0-90Q&NQ(age lastbirthday)MVAY YesN NoStates NotAvailableYNYYAK, CT, IN,MD, MA, MN,NY, OK, OR,TX, UT, VT,WANo MVA inOK0-85Q&NQ(age lastbirthday)8(For Agent Use Only) Not intended for soliciting annuity sales from the public. Rates and Commissions subject to change.Check for current state approvals.

GREAT AMERICAN LIFE INSURANCE COMPANY sIssueAgesMVAY YesN NoStates NotAvailable 10,000(Additional Purchase Paymentsaccepted in 1st 3contract yrs: 2,000- NQ 5,000 - Q)10% after lst year. Interest income avail. after 30 days. LTC Terminal Illness Rider.Upon death of owner, the death benefit paid to beneficiary will be a lump sum tocash value or acct value (including any earned annuitization bonus), if the beneficiary elects a settlement option providing payment for a period at least 7 yrs, or forhis/her life expectancy, as provide by Option D, if less.7 years(9,8,7,6,5,4,3)18-88-Q0-88-NQNAK, MA, NH, NJ, NV,NY, PA, UT, WAExtended Care Waiver & LTC rider available thru issue ages. Terminal IllnessWaiver available thru issue ages. Annuitization for account value: After the firstcontract anniversary, the account valuemay be used for income payout periods offive years or longer. Lifetime payouts (other single or joint) are also available. Aspouse who is the sole surviving beneficiary may elect to become the successorowner. Full account value at death. 10% in 1st year interest income available after1 year.5 years(9,8,7,6,5)18-89-Q0-89-NQExtended Care Waiver & LTC rider available thru issue ages. Terminal IllnessWaiver available thru issue ages. Annuitization for account value: After the firstcontract anniversary, the account valuemay be used for income payout periods offive years or longer. Lifetime payouts (other single or joint) are also available. Aspouse who is the sole surviving beneficiary may elect to become the successorowner. Full account value at death. 10% in 1st year interest income available after1 year.7 years(9,8,7,6,5,4,3)18-85-Q0-85-NQSecure American up to 10.00% annualization bonus - vests 1.00%per year 1.50% AV - year 11.50% SV - year 11.00%(2.52% Yield with Bonus)Secure Gain - 5NEWUnder 100,0001.95% Yr 1 1.80% Yr 21.90% Yr 3 2.00% Yr 42.10% Yr 5yield 1.95%Over 100,0002.10% Yr 1 1.95% Yr 22.05% Yr 3 2.15% Yr 42.25% Yr 5yield 2.10%Secure Gain - 7NEWUnder 100,0002.30% Yr 1 1.55% Yr 21.80% Yr 3 2.05% Yr 42.30% Yr 5 2.55% Yr 62.80% Yr 7yield 2.19%Over 100,0002.40% Yr 1 1.65% Yr 21.90% Yr 3 2.15% Yr 42.40% Yr 5 2.65% Yr 62.90% Yr 7yield 2.29%Guggenheim Life &Annuity Company’sMulti-yearGuaranteeRates are.Call for details!! 10,0001.00% 100,000 10,0001.00% 100,0003 Year4 Year5 Year6 Year7 Year8 Year9 Year10 YearGuaranteed RateUnder 250,0001.80%1.90%2.40%2.50%2.60%2.70%2.80%2.90%SKY ROCKETING!(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.Guaranteed Rate 250,000 n IN,MD,OH,VA)NYY(Non-MVAin IN,MD,OH,VA)NY Rate Guarantee Matches SurrenderPeriod Death Benefit Equals AccumulationValue Accumulated Interest WithdrawalsAvailable Issue ages 0-90 RMD Friendly After Year 1 Free 10% After Year 1Interest rate shown is as of 11/01/2014, is subject to change and may vary in accord with state regulations. Preserve Annuities are issued by andare obligations of Guggenheim Life and Annuity Company, home office at 401 Pennsylvania Pkwy., Suite 300, Indianapolis, Indiana 46280. Annuityproducts are not insured by the FDIC. Annuity contracts contain charges and limitations. Preserve annuities have varying surrender charge periodswith substantial penalties for early withdrawal, and may be subject to a market value adjustment. Preserve annuities and/or certain optional featuresof such annuities may not be available in all states. Guggenheim Life and Annuity Company is not licensed in New Jersey and New York. The contract isissued on form numbers GLA-MYGA-01 or variations of such. 041301A*Due to significant decreases in market interest rates and as part of our commitment to provide your clients with competitiveproducts we are temporarily reducing commissions by 20% for the five-year certain payment option for the GALIC SPIA.*9

GUGGENHEIM LIFE & ANNUITY COMPANY (GLA)FIXEDPRODUCTSCurrentInterestPreserve MYGGuaranteedInterestMinimumPremiumGuaranteed option 3-Year 4-YearLow Band 1.80% 1.90%High Band 1.90% 2.00%(Low Bandunder 250,000)Guaranteed option 5-Year 6-YearLow Band 2.40% 2.50%High Band 2.50% 2.60%(High Band 250,000 )Guaranteed option 7-Year 8-YearLow Band 2.60% 2.70%High Band 2.70% 2.80%NEWGuaranteed option 9-Year 10-YearLow Band 2.80% 2.90%High Band 2.90% 3.00%ProOption MYGNEW1.00%5 Year1.85% (year 1)1.95% (year 2)2.05% (year 3)2.15% (year 4)2.25% (year 5)2.05% (APY)7 Year1.95% (year 1)2.05% (year 2)2.15% (year 3)2.25% (year 4)2.35% (year 5)2.45% (year 6)2.55% (year 7)2.25% (APY)10 Year2.10% (year 1)2.20% (year 2)2.30% (year 3)2.40% (year 4)2.50% (year 5)2.60% (year 6)2.70% (year 7)2.80% (year 8)2.90% (year 9)3.00% (year 10)2.55% (APY) 5,000-Q 10,000-NQWithdrawalProvisions1Surrender ChargesFree Withdrawals: One withdrawal per policy year equalto 10% of the previous anniversay account value in Year2 and later. RMD’s allowed in all years (with chargebacksin Year 1) Systematic Withdrawals: Yes, (Allowed in year1 by company practice)monthly interest as earned orautomatic RMD for qualified plans. Death Benefit: Fullaccount value at death. Surrender Charges waived, NoMVA applied. Chargebacks: Yes, 100% on any withdrawalor death within 1st contract year. Annuitization: Canannuitize at any time Surrender charges are waived uponAnnuitizati

8 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating B (good) (866) 598-3694 9 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating A (excellent) (800) 438-3398 x17197 10 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating B (good) (800) 767-7749 11 LINCOLN FINANCIAL GROUP A.M.