Oxford Life will be making the following changes to our annuity products effective 5/16/12.

Oxford Life Income Protector^™
Low Band $10,000 - $24,999 From 2.40% to 2.00%
High Band $25,000 - $350,000 From 2.90% to 2.40%

Oxford Life Bonus Ten^™
Fixed Rate Strategy 1.25%
Monthly Average Annual Reset Cap 2.75%
Annual Point to Point Annual Reset Cap 2.75%

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Good News - Rate Change Cancelled
Due to recent economic developments we are pleased to announce we are holding February 21 rates. 

Click here for rate sheet.

We reserve the right to change credited rates as market conditions warrant.

ING Annuity and Asset Sales Desk 1-800-369-5301

IMPORTANT ANNUITY UPDATE - New Crediting Rates

March 12, 2012

Since the launch of the Personal Choice Annuity™ Sentinel has been committed to providing some of the highest rates offered in a multiyear guarantee annuity. Due to the downward pressure of market conditions, Sentinel will begin to offer the Personal Choice Annuity™ with the following rates and associated effective dates: 

	Minnesota	Florida	All other approved states
Personal ChoiceTM 5 Year	2.90%	3.10%	3.20%
Personal ChoiceTM 7 Year	3.00%	3.20%	3.30%
Personal ChoiceTM 10 Year	3.10%	3.50%	3.60%

March 27, 2012

Effective date of new crediting rates. Any applications signed on this date and later will receive the new crediting rates. An update to the Illustration software will be available on this date as well.

April 2, 2012 

All applications signed on March 26, 2012 and earlier must be received in the Home Office by this date to receive the current crediting rates.

May 10, 2012 

End of 45 Day Hold. All transfers and exchanges for any application signed on March 26, 2012 and earlier must be completed by this date in order to receive the current crediting rates.

We again want to express our sincere appreciation for your continued support of this product and Sentinel. We believe these rates are still very attractive, and given the unique design of this product, will continue to have among the highest crediting rates available in the MYGA market place.

In addition we appreciate the effort that you have taken in order to make this a successful product. We look forward to continuing our partnership with you.

Sentinel Rate Sheet Effective March 27, 2012

New Features:
• 2 New Accounts: 
      – 1-Year Monthly Cap Index Account
      – 1-Year Average Participation Index Account
• Now approved in Nevada and Minnesota!
• Income For Life Rider – New for Minnesota and Washington!
• One-size-fits-all Sales Materials!
A Competitive, Client-Friendly Index Annuity
• 6% Premium Bonus, Year 1
• Return of Premium Guarantee
• 9-Year Contract
• Income For Life Rider Available
• Five Index Accounts and a Fixed Account Available
• Nursing Home Waiver
• 10% Free Withdrawals After Year 1
• 0-80 Applicant Ages
• 6% MGA Commission
New Sales Materials
All Builder Bonus Index sales materials dated 2-12 or earlier are obsolete. Please restock by ordering at the Order Supplies link.
• View Agent Guide
• View Client Brochure
• View Historical Growth Charts – Client-Use!
• View rates on the All Product Summary
Transition Rules
• New Disclosure Statement dated 3-12 required for business 
  received on or after March 15th
• State-Specific Application Form, dated 3-12 for MN, OR, UT & WA,
  required March 15th
• Click here for complete Transition Rules

More Good News for
Minnesota Agents!
Income For Life Rider Now Available with MarketValue Index!

INCOME FOR LIFE highlights:
• 7% accumulation rate for up to 20 years!
• Income available after year 5 and age 50
• Rider available for all issue ages
• Guaranteed income for life - without annuitizing
• Client can stop and start payments as needed
• Payments will never decrease if only the Income Withdrawal amount
  is taken each year, and payments have the potential to increase!
• Payments continue even if Accumulation Value is depleted
• Annual fee of 0.50% of Accumulation Value
How It Works:
The income your clients draw from the INCOME FOR LIFE rider is based on the value of the Benefit Base.  The Benefit Base is a calculation - separate from the Accumulation Value - which determines payment amounts.  The Benefit Base grows at 7% per year for up to 20 years, until the time income payments begin.  Therefore, the higher the Benefit Base prior to starting income payments, the greater your clients' income.
INCOME FOR LIFE marketing resources are available - click here

Effective February 23, 2012

Passport 1-, 2-, 3-, 4-, 5- and 7-year guarantee rates decreased by .10%.
Indexed Explorer Plus UL Cap decreased from 9.50% to 9.00%
Participation Rate increased from 100% to 105%
Illustrated Rate remained at 7.00%

	Current Interest Rates
	Current SPIA Payments

RATE INCREASE! for Certainty Select (MYGA) Effective Wednesday, February 22, 2012 Rates Effective February 22, 2012: CertaintyTM/Certainty Select® Period Year 1 Years 2+ Effective Rate   5 2.75% 2.75%   no change 6 3.00% 3.00%   formerly 4.50/2.50% 8 4.00% 3.00% 3.12% no change 10 3.50% 3.50%   formerly 3.25% Click here to see the All Product Summary dated February 22, 2012, for all EquiTrust annuity products. Daily updates of the All Product Summary are available on the EquiTrust agent website Agents.EquiTrust.com > Fixed Annuities, and click on the "Products" link.

Products not available in all states; see State Approvals at Agents.EquiTrust.com. Product features may vary by state.   Contracts issued on Contract Form Series ET-MYG-2000(11-05) or ET-MYG-2000(06-09).  Group Contracts issued on Form Series ET-MYG-2000C(06-09).  EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. AC12-ET-ECN-1014

Have you heard about the ONLY 3% for 5 year MYGA with an 8% no fee income roll-up?

· Launched January 1^st 2012 from a Wards Top 50 carrier

· Approved in 42 states

· 8% compounding roll up with NO FEE (beats all EIA’s on the market. We’ll prove it)!

· Terminal Illness And LTC friendly

· Broker Dealer friendly

· Incentive trip: Take your family to Disney World for as little as $735k in production

Give your clients the choice to walk after 5 years or turn on the income!

 

Finally…Simplified online contracting. No faxing contracts, AML Cert., licenses, etc.

Click Here for contracting.

 

Don’t let this product slip through your fingers…it’s the one your clients have been waiting for.

In response to changing market conditions, we are adjusting fixed account interest rates and caps on our ATHENE Choice Series fixed index annuities effective February 15, 2012, and the rollup percentage on our ATHENE Guaranteed and Enhanced Guaranteed Lifetime Withdrawal Benefit riders effective March 1, 2012. Rates on our ATHENE 7 MYG annuity are unchanged.

Choice Series Fixed Index Annuities1 60- day fixed account rate hold available. Effective Date Immediate Premium Bonus Fixed Account Year 1 Fixed Account Years 2-8 AP2P Cap (S&P 500) 1-Year MP2P Cap (S&P 500) 1-Year QP2P Cap (DJIA) 1-Year MAVG Cap (DJIA) Enhanced Choice 8 2-15-12 2.00% 3.00% 2.00% 5.75% 3.00% 2.75% 5.00% Choice 10 2-15-12 N/A 3.50% N/A 5.50% 3.25% 2.75% 5.00% Enhanced Choice 12 2-15-12 5.00% 2.75% 1.75% 5.25% 2.75% 2.50% 4.50% Income Riders     Effective Date Income Bonus Rollup Percentage Rollup Period Rider cost   Guaranteed Lifetime Withdrawal Benefit Rider 3-1-12 1.00% 6.00% 10 Yrs 0.60%   Enhanced Guaranteed Lifetime Withdrawal Benefit Rider 3-1-12 1.00% 6.00% 10 Yrs 0.90%   Important Note: Complete application packages must be received in good order in our service center by the dates below to obtain the current rates. Note: rate applies to the fixed account. Caps are determined when premium is received. ATHENE Choice Series fixed index annuities: February 15, 2012 ATHENE Guaranteed Lifetime Withdrawal Benefit riders: February 29, 2012 Applications may be submitted by overnight mail to the following address: Athene Annuity & Life Assurance Company 6425 Powers Ferry Road, Suite 300 Atlanta, GA 30339 With caps and rates that remain among the highest in the industry, the ATHENE Choice Series fixed index annuities combine the security features of a traditional fixed annuity with the upside earnings potential of interest that is based on the performance of an index. Strong rollup rates and Income Bonus make our GLWB and Enhanced GLWB riders an excellent option for clients who wish to take income from their Choice Series annuity while maintaining control over their money. For more information on these products, as well as our market-leading ATHENE 7 MYG annuity, please contact our Sales Desk at 855-4-ATHENE.   * Non-guaranteed new money interest rates, cap rates and spread fees are subject to change at any time, normally monthly. Products/features may not be available in all states. These annuities contain limitations. See annuity contracts for complete details. (1)Choice Series: annual point-to-point (AP2P) cap will never be less than 2%. 1-year monthly point-to-point (MP2P) cap will never be less than 0.5%. 1-year quarterly point-to-point (QP2P) cap will never be less than 1%. 1-year monthly average cap will never be less than 5%. For new issues, a minimum guarantee of 1.00% currently applies to the Fixed Account until the end of the surrender charge period. The contracts' cash surrender value will never be less than 87.5% of the premium payment, less any premium taxes (if applicable) and withdrawals plus interest earned at 1%. Dow Jones Industrial Average℠ is a service mark of Dow Jones & Company, Inc. Standard & Poor's 500® is a trademark of The McGraw-Hill Companies. Both have been licensed for use for certain purposes by Athene Annuity & Life Assurance Company. Annuities are not sponsored, endorsed, sold or promoted by Dow Jones or Standard & Poor's and Dow Jones and Standard & Poor's make no representation regarding the advisability of purchasing these annuities.   AN0006 (R02-12)

Effective January 31, 2012

No rate changes for annuities.
Max Illustrated Rate increased from 6.75% to 7.00%
Participation Rate on Uncapped Point-to-Monthly Average increased from 85% to 100%.
Cap Rate on Annual Point-to-Point increased from 9.00% to 9.50%.

Current Interest Rates

Annuity rates are changing…
Click for new rates

FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

IMPORTANT ANNUITY UPDATE - New Crediting Rates

January 23, 2011

Since the launch of the Personal Choice Annuity™ Sentinel has been committed to providing some of the highest rates offered in a multiyear guarantee annuity. Due to the downward pressure of market conditions, Sentinel will begin to offer the Personal Choice Annuity™ with the following rates and associated effective dates: 

	Minnesota	Florida	All other approved states
Personal ChoiceTM 5 Year	3.15%	3.35%	3.45%
Personal ChoiceTM 7 Year	3.25%	3.45%	3.55%
Personal ChoiceTM 10 Year	3.35%	3.75%	3.85%

February 13, 2012

Effective date of new crediting rates - Any applications signed on this date and later will receive the new crediting rates. An update to the Illustration software will be available on this date as well.

February 20, 2012 

All applications signed on February 13, 2012 and earlier must be received in the Home Office by this date to receive the current crediting rates.

March 29, 2012 

End of 45 Day Hold - All transfers and exchanges for any application signed prior to February 13, 2012 must be completed by this date in order to receive the current crediting rates.

Recently Sentinel announced the launch of the Personal Choice Annuity™ in the states of Minnesota and Oregon. These two states will follow the same rate change rules that are outlined above. While this is not an ideal situation we felt it important to provide the immediate opportunity for the highest possible rates in Minnesota and Oregon for individuals who have been anxiously awaiting the approval of the Personal Choice Annuity™.

We again want to express our sincere appreciation for your continued support of this product and Sentinel. We believe these rates are still very attractive, and given the unique design of this product, will continue to have among the highest crediting rates available in the MYGA market place.

In addition we appreciate the effort that you have taken in order to make this a successful product. We look forward to continuing our partnership with you.

Sentinel Rate Sheet Effective February 13, 2012

5-9 Yr Period Certain Options are Back!  Plus...RATE INCREASE
for Confidence Income Annuity!
Effective Monday, January 23, 2012

Rates Effective January 23, 2012:

Confidence Income^®Monthly guaranteed payment on $100,000 premium

5-Year Fixed Period	$1,685.52	formerly N/A
10-Year Fixed Period	$924.71	formerly $920.42
15-Year Fixed Period	$698.43	formerly $693.85
20-Year Fixed Period	$570.33	formerly $565.52
Life Only - Male 65	$585.76	formerly $574.41
Life Only - Female 65	$536.94	formerly $525.83
Joint Life - Male/Female 65	$474.01	formerly $468.64

Click here to see the All Product Summary dated January 23, 2012, for all EquiTrust annuity products.

Daily updates of the All Product Summary are available on the EquiTrust agent website Agents.EquiTrust.com > Fixed Annuities, and click on the "Products" link.

Interest Rate Changes Effective January 29, 2012
Due to the continued decline in interest rates, we are changing rates for our indexed SPDA products effective for applications received on or after January 29, 2012.  Please see the attached Competitive Edge for more details, or you can go to our website at www.NationalLifeGroup.com. 

RATE INCREASE! for Certainty Select (MYGA)
Effective Thursday, January 19, 2012

Rates Effective January 19, 2012:

Certainty^TM/Certainty Select^®

Period	Year 1	Years 2+	Effective Rate
5	2.75%	2.75%		formerly 1.40%
6	4.50%	2.50%	2.83%	formerly 2.30/1.30%
8	4.00%	3.00%	3.12%	formerly 3.30/2.30%
10	3.25%	3.25%		formerly 2.50%

Click here to see the All Product Summary dated January 19, 2012, for all EquiTrust annuity products.

Daily updates of the All Product Summary are available on the EquiTrust agent website Agents.EquiTrust.com > Fixed Annuities, and click on the "Products" link.

Rates Effective January 19, 2012

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Each year Columbus Life provides you with valuable tax information in an easy-to-read format; the Tax Reference Sheet. This guide provides you with tax brackets, standard deductions, IRA and pension plan limits, Social Security information and even the uniform lifetime tables for calculating Required Minimum Distributions. Download the Tax Reference Sheet here.

No rate changes for annuities.
Indexed Explorer Plus UL Max Illustrated Rate increased from 6.50% to 6.75% and participation rate on uncapped option increased from 80% to 85%.
All fixed UL rates, including fixed accounts on VUL and IUL, are reduced 0.20%.

	Current Interest Rate Memo
	Current Interest Rates
	Current SPIA Payments

Rates Effective January 1, 2011

Rates are improving! Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Since the launch of the Personal Choice Annuity^TM on August 1, 2011 the reception in the market place has been exceptional and has exceeded our expectations for initial sales.  The success of this product is the direct result of the hard work our business partners have put into marketing the annuity and getting it in front of consumers.  To help build momentum and promote the product we committed to holding the introductory crediting rates for 60 days, but due to delays in some state approvals, we held the rates much longer.  However, given the current investment environment we cannot hold the introductory rates any longer and will have new rates effective January 1, 2012.  The new rates and new business rules are as follows:

Florida All other approved states

Personal Choice^TM 5 Year             3.50%                                    3.60%

Personal Choice^TM 7 Year             3.60%                                    3.70%

Personal Choice^TM 10 Year           3.90%                                    4.00%

January 1, 2012 - Effective date of new crediting rates - Any applications signed on this date and later will   receive the new crediting rates.  An update to the Illustration software will be available on this date as well.

January 6, 2012 - All applications signed on December 31, 2011 and earlier must be received in the Home Office by this date to receive the current crediting rates.

February 14, 2012 - End of 45 Day Hold - All transfers and exchanges for any application signed prior to January 1, 2012 must be completed by this date in order to receive the current crediting rates.

 

Rate Sheet

Rate Announcement

CapitalCare, Inc. will be closed on Friday, December 23 and Monday December 26th for the Holiday.

Sentinel will be dropping their rates by .15% on 12/31/2011.
All applications must be written and dated by 12/31/2011, and will be accepted at the current rates through 1/7/2011.

Please call us here at CapitalCare, Inc.
if you need product materials, applications or sales support.
800-810-5108
info@capitalcareamerica.com

Rates Effective November 16, 2011

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Income Pay^® (GLWB) Rider changes effective November 16, 2011. Please download the memo for complete details.

Passport SPDA 1-, 2-, 3-, 4-, 5-, and 7-year guarantee rates increased by .15%.
AccountMax 10 guarantee rates decreased by .05%.

	Current Interest Rates
	Current SPIA Payments

Select Index Caps Increase in November
Effective November 1, 2011

View current rate card for more information.

November Rate Card

RATE INCREASE

for Certainty Select!

Effective Monday, October 24, 2011.

Click here to see the All Product Summary for all EquiTrust annuities, dated October 24, 2011.

Rates Effective October 28, 2011

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Rates Effective September 27, 2011

Read about the reasoning behind this rate update from our President.

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

We are pleased to announce Liberty Life's 7 MYG is available in Florida, updated for today's environment. The 7 MYG offers you an opportunity to present clients an annuity with one of the highest multi-year rate guarantees currently available: Year 1:             4.25% (includes 1% interest rate enhancement) Years 2-7:        3.25% Minimum guaranteed interest rate: 1%. Interest rate effective 9/27/2011, subject to change. With the full commitment of our new parent company, Athene Holding Ltd., there are more reasons than ever to add Liberty Life to your product portfolio. Applications for the 7 MYG, single premium deferred annuity with a 7-year interest rate guarantee, can be submitted beginning with application dates of September 27, 2011. The issue age for 7 MYG is 0-80 for qualified and non-qualified plans. You'll find other aspects of the product the same as previously available: True 7-year product with walkaway after year 7 Attractive surrender charge schedule 7-7-7-6-5-4-3-0 Consumer friendly liquidity features* available in most states: 10% free withdrawals of the accumulated value after first year Charges waived for withdrawals due to confinement and terminal illness Contact CapitalCare for More Information…800-810-5108   Tips for Success Doing Business With Liberty Life The Sales Resource Center is your one stop online resource for point of sale forms, product training and marketing tools. Bookmark www.libertylifeco.com/producer. Training on Liberty Life annuities is now available and must be completed by all newly appointed agents prior to solicitation of their first application in all states. Agents contracted prior to July 20 must complete the product-specific training module prior to soliciting an application in all states that have adopted the NAIC model annuity suitability regulation. In addition to the product-specific training requirement, agents licensed prior to a state's effective date for the NAIC Model Suitability Act must complete the state's mandated training. In order to expedite new business processing, fax a certificate showing completion of the state-mandated suitability training to Producer Services at 864-609-3118. Please ensure that all forms are completed fully and accurately including: Suitability form (N1000) must be included with each submission. If not, processing will be delayed until it is received at our service center. All replacements must include a copy of the current annual statement or a current values printout. It is a great time to be in the annuity business. The need for retirement solutions has never been greater and will continue to be strong for the foreseeable future. We look forward to doing business with you again. You can reach our sales desk at 888-262-8131 with any questions. Additional resources: Product Information on Sales Resource Center Point-of-Sale Forms How to do business with Liberty Life Insurance Company *Please note that withdrawals before age 59 ½ may be subject to a 10% tax penalty.

Interest Rate Changes, Effective 9/29/2011

In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Wednesday, 9/28. If business is being written on Wednesday 9/28, RSL will allow faxed copies of  in good order applications and paperwork to be faxed on 9/28 by 5:00PM (Fax # for Annuity New Business: 267-256-3542), but the original application and paperwork MUST be received by the close of business on 9/29. For a PDF of this rate bulletin, please click here (link will remain active for 30 days.)

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 3.50% 3.50% No Change Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 4.00% 4.00% No Change Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 1.80% 2.10% -0.30% Keystone-7**       Annual Pt-to-Pt Cap 4.00% 4.00% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.50% 4.50% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 1.85% 2.15% -0.30% Keystone-10**       Annual Pt-to-Pt Cap 4.25% 4.25% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.75% 4.75% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 1.90% 2.20% -0.30%         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.00% / 2.00% 3.35% / 2.35% -0.35% Eleos-SP 2.85% / 1.85% 3.20% / 2.20% -0.35% Apollo-MVA 2.80% / 1.80% 3.10% / 2.10% -0.30% Apollo-SP 2.65% / 1.65% 2.95% / 1.95% -0.30%         **Effective 10/1/2011 through 12/31/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.00% for the Keystone-5, Keystone-7, and Keystone-10.) The minimum guaranteed rate for the 4th Quarter of 2011 will remain at 1.00% for the Eleos & Apollo contracts. *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

Rates Effective August 24, 2011

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

IMPORTANT REMINDER:

Premium Bonus Changes Effective August 16, 2011

As we previously communicated on August 2, 2011, the persistent low interest rate environment is causing us to make some changes to our two 10-year, 10% premium bonus products.

PREMIUM BONUS CHANGES EFFECTIVE AUGUST 16, 2011
	Current:	New:
North American Ten®	10%	7%
North American Paramount Choice Ten®	10%	7%

NEW PRODUCT MATERIALS: New product materials will be available through our regular supply order process on August 16, 2011.

New Business Guidelines: The new premium bonus will apply to applications received in the Home Office on or after August 16, 2011. Simply put, if the application is received before August 16, 2011, the higher premium bonus will apply; if applications are received on or after August 16, 2011, the lower premium bonus will apply.

Interest Rate Changes, Effective 8/16/2011

In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Monday, 8/15. If business is being written on Monday 8/15, RSL will allow faxed copies of in good order applications and paperwork to be faxed on 8/15 by 5:00PM (Fax # for Annuity New Business: 267-256-3542), but the original application and paperwork MUST be received by the close of business on 8/16. For a PDF of this rate bulletin, please click here.

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 3.50% 3.50% No Change Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 4.00% 4.00% No Change Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 2.10% 2.10% No Change Keystone-7**       Annual Pt-to-Pt Cap 4.00% 4.00% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.50% 4.50% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.15% 2.15% No Change Keystone-10**       Annual Pt-to-Pt Cap 4.25% 4.25% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.75% 4.75% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.20% 2.20% No Change         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.35% / 2.35% 3.35% / 2.35% No Change Eleos-SP 3.20% / 2.20% 3.20% / 2.20% No Change Apollo-MVA 3.10% / 2.10% 3.70% / 2.70% -0.60% Apollo-SP 2.95% / 1.95% 3.55% / 2.55% -0.60% Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A                 Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579       Five Year Guarantee Temporarily Suspended N/A N/A                 SPIA Factor Changes New Rate  Old Rate 5 Year Period Certain Temporarily Suspended N/A 6 Year Period Certain Temporarily Suspended N/A 7 Year Period Certain Temporarily Suspended N/A 8 Year Period Certain Temporarily Suspended N/A 9 Year Period Certain Temporarily Suspended N/A 10 Year Period Certain Temporarily Suspended N/A             **Effective 7/1/2011 through 9/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) The minimum guaranteed rate for the 3rd Quarter of 2011 will remain at 1.00% for the Eleos & Apollo contracts. *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

RATE & PORTFOLIO CHANGES for EquiTrust Annuities
Effective Friday, August 12, 2011

Interest rates have taken a dramatic turn downward. As a result, rates will be changing and two products will be temporarily suspended.

We are temporarily suspending sales of MarketSeven Index, and the fixed-payout periods between 5 and 9 years on Confidence Income Annuity (SPIA). Confidence Income 10 to 20 year fixed periods and life-payout options are still available. Previously issued contracts for MarketSeven Index and Confidence Income remain in force and are not impacted.

The rate change is effective Friday, August 12, 2011.  Current rates are applied to business received on or before Thursday, August 11, 2011, subject to a 60-day rate hold.

Please note:  Faxed applications must be received at EquiTrust by 5:00 PM (Central) on Thursday, August 11th AND ORIGINAL application paperwork must be received by Friday, August 12th.

Rates Effective August 12, 2011:

MarketTwelve Bonus IndexTM
1-Year Pt-to-Pt Cap	3.00%	formerly 4.00%
1-Year Daily Avg Cap	3.00%	formerly 4.25%
1-Year Monthly Avg Part	30.00%	formerly 45%
1-Year Monthly Cap	1.25%	formerly 1.60%
2-Avg Monthly Avg Cap	7.00%	formerly 10.00%
1-Year Interest	1.15%	formerly 1.75%
MarketPower Bonus Index®
1-Year Pt-to-Pt Cap	3.25%	formerly 4.25%
1-Year Daily Avg Cap	3.50%	formerly 5.00%
1-Year Monthly Avg Part	35.00%	formerly 50%
1-Year Monthly Cap	1.50%	formerly 1.85%
2-Year Monthly Avg Cap	8.00%	formerly 11.00%
1-Year Interest	1.50%	formerly 2.00%
MarketBooster Index®
1-Year Pt-to-Pt Cap	3.00%	formerly 4.00%
1-Year Daily Avg Cap	3.25%	formerly 4.50%
1-Year Monthly Avg Part	35.00%	formerly 50%
1-Year Monthly Cap	1.30%	formerly 1.85%
1-Year Interest	1.50%	formerly 2.00%
MarketTen Bonus Index®
1-Year Pt-to-Pt Cap	3.00%	formerly 3.75%
1-Year Daily Avg Cap	3.00%	formerly 4.00%
1-Year Monthly Avg Part	30.00%	formerly 45%
1-Year Monthly Cap	1.25%	formerly 1.55%
2-Year Monthly Avg Cap	7.00%	formerly 10.00%
1-Year Interest	1.15%	formerly 1.80%
Builder Bonus Index®
1-Year Pt-to-Pt Cap	3.00%	formerly 3.75%
1-Year Daily Avg Cap	3.00%	formerly 4.00%
2-Year Monthly Avg Cap	7.00%	formerly 10.00%
1-Year Interest	1.15%	formerly 1.80%
MarketValue Index®
1-Year Pt-to-Pt Cap	4.75%	formerly 6.00%
1-Year Monthly Avg Cap	5.00%	formerly 7.00%
1-Year Monthly Avg Part	50.00%	formerly 65%
1-Year Monthly Cap	2.20%	formerly 2.65%
2-Year Monthly Avg Cap	15.00%	formerly 20.00%
1-Year Interest	2.40%	formerly 3.00%
MarketSeven Index®
Product temporarily suspended

Certainty^TM/Certainty Select^®

Period	Year 1	Years 2+	Effective Rate
5*	1.25%	1.25%		formerly 1.80/1.80%
6*	2.25%	1.25%	1.42%	formerly 2.00/2.00%
8	3.25%	2.25%	2.37%	formerly 3.00/3.00%
10	2.50%	2.50%		formerly 4.00/3.00%

*5 & 6 year guarantee periods temporarily suspended IN & MN for Certainty.
Confidence Income^®

Monthly guaranteed payment on $100,000 premium

5-Year Fixed Period	5-9 Year Fixed Periods  temporarily suspended
10-Year Fixed Period	$920.42	formerly $959.34
15-Year Fixed Period	$693.85	formerly $714.58
20-Year Fixed Period	$565.52	formerly $587.31
Life Only - Male 65	$574.41	formerly $602.92
Life Only - Female 65	$525.83	formerly $553.77
Joint Life - Male/Female 65	$468.64	formerly $492.99

ChoiceFour^®

Option	Year 1
Base Contract	2.50%	formerly 3.00%
MVA Option	2.50%	formerly 3.00%
Liquidity Option	2.00%	no change
Liquidity & MVA Option	2.00%	no change

Click here to see the All Product Summary dated August 12, 2011, for all EquiTrust annuity products.

Interest Rate Changes:

Passport 1,2,3,4,5,7 decreased by .20%.

Accelerator decreased by .20%.

AccountMax 7,10 decreased by .30%.

 

The following interest rate changes have been approved and will be effective on Thursday, August 11.  Applications need to be dated by the 10^th and received in good order in the home office within a week to receive the current rates.

 

For More Information Contact CapitalCare, Inc. at 800-810-5108.

Premium Bonus Changes Effective August 16, 2011

North American continues to navigate through this challenging low interest rate environment. We constantly evaluate our annuity products in an effort to maintain our solid financial strength for the long term. The persistent low interest rate environment is causing us to make some changes to our two 10-year, 10% premium bonus products.

PREMIUM BONUS CHANGES EFFECTIVE AUGUST 16, 2011
	Current:	New:
North American Ten®	10%	7%
North American Paramount Choice Ten®	10%	7%

New product brochures and materials will be available from our regular supply order process by August 16, 2011.

New Business Guidelines: The new premium bonus will apply to applications received in the Home Office on or after August 16, 2011. Simply put, if the application is received before August 16, 2011, the higher premium bonus will apply; if applications are received on or after August 16, 2011, the lower premium bonus will apply.

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 3.50% 4.50% -1.00% Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 4.00% 5.00% -1.00% Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 2.10% 2.55% -0.45% Keystone-7**       Annual Pt-to-Pt Cap 4.00% 5.00% -1.00% Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.50% 5.50% -1.00% Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.15% 2.65% -0.50% Keystone-10**       Annual Pt-to-Pt Cap 4.25% 5.25% -1.00% Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 4.75% 5.75% -1.00% Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.20% 2.70% -0.50%         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.35% / 2.35% 3.90% / 2.90% -0.55% Eleos-SP 3.20% / 2.20% 3.75% / 2.75% -0.55% Apollo-MVA 3.70% / 2.70% 3.70% / 2.70% No Change Apollo-SP 3.55% / 2.55% 3.55% / 2.55% No Change Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A                 Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579       Five Year Guarantee Temporarily Suspended N/A N/A                 SPIA Factor Changes New Rate  Old Rate 5 Year Period Certain Temporarily Suspended N/A 6 Year Period Certain Temporarily Suspended N/A 7 Year Period Certain Temporarily Suspended N/A 8 Year Period Certain Temporarily Suspended N/A 9 Year Period Certain Temporarily Suspended N/A 10 Year Period Certain Temporarily Suspended N/A             **Effective 7/1/2011 through 9/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) The minimum guaranteed rate for the 3rd Quarter of 2011 will remain at 1.00% for the Eleos & Apollo contracts. *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

Interest Rate Change, Effective 8/4/2011

In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Wednesday, 8/3. If business is being written on Wednesday 8/3, RSL will allow faxed copies of in good order applications and paperwork to be faxed on 8/3 by 5:00PM (Fax # for Annuity New Business: 267-256-3542), but the original application and paperwork MUST be received by the close of business on 8/4. For a PDF of this rate bulletin, please click here (link will remain active for 30 days.)

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 4.50% 4.50% No Change Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 5.00% 5.00% No Change Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 2.55% 2.55% No Change Keystone-7**       Annual Pt-to-Pt Cap 5.00% 5.00% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 5.50% 5.50% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.65% 2.65% No Change Keystone-10**       Annual Pt-to-Pt Cap 5.25% 5.25% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 5.75% 5.75% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.70% 2.70% No Change         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.90% / 2.90% 3.90% / 2.90% No Change Eleos-SP 3.75% / 2.75% 3.75% / 2.75% No Change Apollo-MVA 3.70% / 2.70% 3.90% / 2.90% -0.20% Apollo-SP 3.55% / 2.55% 3.75% / 2.75% -0.20% Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A                 Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579       Five Year Guarantee Temporarily Suspended N/A N/A                 SPIA Factor Changes New Rate  Old Rate 5 Year Period Certain Temporarily Suspended N/A 6 Year Period Certain Temporarily Suspended N/A 7 Year Period Certain Temporarily Suspended N/A 8 Year Period Certain Temporarily Suspended N/A 9 Year Period Certain Temporarily Suspended N/A 10 Year Period Certain Temporarily Suspended N/A **Effective 7/1/2011 through 9/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) The minimum guaranteed rate for the 3rd Quarter of 2011 will remain at 1.00% for the Eleos & Apollo contracts. *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

This Hot Product is an "A la Carte" product... which means your Client can choose the Riders they need, and leave the others out... The less Riders your client chooses the Higher the Rate!

Example: If your Client wants to add the "Interest-Only Withdrawal" Rider their rate will be 3.72% Guaranteed for 5-Years!

Also Available:    7-Year Rate at 3.85% Guaranteed

   10-Year Rate at 4.15% Guaranteed

Optional Riders Available:

•    RMD
•    10% Penalty-Free Withdrawals
•    Terminal Illness/Nursing Home Care Rider
•    72T Free Withdrawal
•    Full Value at Death
•    Interest Withdrawal

This 5-Year Product is 3.75% Guaranteed for 5-Years. At the end of the 5-Years the Client can Walk-Away. This 5-Year rate is 30% Higher then any other company with an equal or higher company rating!

Call for Commission Rates! CapitalCare, Inc. 800-810-5108

info@capitalcareamerica.com

Product Approved in: AZ,CO,ID,IA,MT,NE,NV,NM,NC,ND,OK,SD,UT,WY

Pending Approval in: CA,FL,HI,KS,LA,MN,OR,TX,WA

***Important Rate Change Announcement!***
Act Now!  Time is Limited!

Rates are changing on the Guarantee Series (SPDA-MYGA)*

The following rate adjustments are being made effective
August 2, 2011.

To receive current rates, original signed applications must be received at American Equity office by 4:45pm CT on Monday, August 1st, 2011.  No faxed copies will be accepted.  Funds on pending cases must be received by 4:45pm CT on Monday, August 15th, 2011.  NO EXCEPTIONS!

	CURRENT RATE	NEW RATE
Guarantee 5 (SPDA-MYGA)	3.15%	2.90%
Guarantee 7 (SPDA-MYGA)	3.25%	3.00%

*Form number and availability may vary by state.  Rates vary in CA, DE, MN, PA, and WA.

Effective July 5, 2011, interest rates will be adjusted on Bankers series 5 and 7 year annuities as shown in the attached Rate Update.

Rates are effective June 15, 2011

Rates are unchanged.

Current Interest Rates

RATE CHANGE for EquiTrust Annuities

Effective Thursday, June 23, 2011.

Current rates are applied to business received on or before
Wednesday, June 22, 2011, subject to a 60-day rate hold.

Please note: Faxed applications must be received at EquiTrust by
5:00 PM (Central) on Wednesday, June 22nd AND
ORIGINAL application paperwork must be received
by Thursday, June 23rd.

Click here to see the All Product Summary for all EquiTrust annuities, dated June 23, 2011.

Interest Rate Change, Effective 6/16/2011

In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Wednesday, 6/15. If business is being written on Wednesday 6/15, RSL will allow faxed copies of  in good order applications and paperwork to be faxed on 6/15 by 5:00PM (Fax # for Annuity New Business: 267-256-3542), but the original application and paperwork MUST be received by the close of business on 6/16. To qualify for a 6/15 Buy Date, applications in good order and funding must be received by 5:00PM on Tuesday, 6/14.  Applications received on 6/15 and applications faxed in by 5:00PM on 6/15 with original in good order paperwork and funding received on Thursday, 6/16 will be issued with a July 1st Buy Date using pre-6/16 cap and interest rates.

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 4.50% 5.00% -0.50% Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 5.00% 5.50% -0.50% Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 2.55% 2.75% -0.20% Keystone-7**       Annual Pt-to-Pt Cap 5.00% 5.50% -0.50% Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 5.50% 6.00% -0.50% Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.65% 2.85% -0.20% Keystone-10**       Annual Pt-to-Pt Cap 5.25% 5.75% -0.50% Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 5.75% 6.25% -0.50% Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.70% 2.90% -0.20%         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.90% / 2.90% 3.90% / 2.90% No Change Eleos-SP 3.75% / 2.75% 3.75% / 2.75% No Change Apollo-MVA 3.90% / 2.90% 3.90% / 2.90% No Change Apollo-SP 3.75% / 2.75% 3.75% / 2.75% No Change Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A                 Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579       Five Year Guarantee Temporarily Suspended N/A N/A                 SPIA Factor Changes New Rate  (No Changes) Old Rate 5 Year Period Certain Temporarily Suspended N/A 6 Year Period Certain Temporarily Suspended N/A 7 Year Period Certain Temporarily Suspended N/A 8 Year Period Certain Temporarily Suspended N/A 9 Year Period Certain Temporarily Suspended N/A 10 Year Period Certain Temporarily Suspended N/A             **Effective 4/1/2011 through 6/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) Effective 4/1/2011 through 6/30/2011, the minimum guaranteed rate for all Apollo and Eleos contracts will be 1.00%.  The minimum guaranteed rate for the 3rd Quarter of 2011 will remain at 1.00% for the Eleos & Apollo contracts, and the minimum non-forfeiture rate for Keystone policies will also remain at 1.00% for the 3rd Quarter. *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request. For more information contact: Reliance Standard Life Insurance Company (800) 351-7500 Ext 3696 www.reliancestandard.com

Interest Rate Change Announcement

Interest Rate Changes Effective Wednesday, June 15, 2011 

Passport 1-, 2-, 3-, 4-, 5- and 7-year guarantee rates decreased by .15%.

AccountMax 7- and 10-year guarantee rates decreased by .10%.

Accelerator new issue rates decreased by .15%.  (All states have a 1.00% guarantee except FL and MS have a 1.50% guarantee)

All other CLIC New Money rates decreased by .15%.

Current Interest Rate Sheet

LifeSource Plus SPIA Rates

The new rates are reflected automatically in the web version of the illustration system.  You can update the desktop version of the illustration system by clicking the "System Update" link on the left hand side of the main screen. 

Here are the new interest rates effective June 1, 2011. Rates have decreased slightly and this is due to the sustained low interest rate environment that we are currently experiencing. Many projections show this trend to continue for the next several years barring inflation and other factors. The primary goal is to always protect the member, increase assets and build on the strength of the organization.

 

                                New Sales       Minimum Guarantee rate                                    

Preferred 8                    3.25%             2.00%    

Preferred 5                    3.00%             2.00%    

Preferred Choice           1.00%             1.00%  

Optimum 3                    2.00%             1.00%

 

Products no longer being marketed: Preferred 7 product is crediting 4.00% 

Flex accounts are crediting 4% - Optimum Choice @ 3.0% - Optimum 2 @ 3.10%

SPIA interest rates: 10 years or more 4.00%, less than 10 years - 3.00% 

The Investment Growth Fund is now crediting 2.75% interest

 

In addition to the new interest rate you will notice that the guaranteed rate also changed on new policies. This new series of annuities allows us to select the guarantee rate (based on a formula) every Oct./Nov. for the upcoming year. Of course once a plan is issued that guarantee rate is good for the life of the contract. This new provision is designed to protect annuity policyholders and the company from low short term rates.

RATE CHANGE for EquiTrust Annuities

Effective Friday, June 3, 2011.

Current rates are applied to business received on or before
Thursday, June 2, 2011, subject to a 60-day rate hold.

Please note: Faxed applications must be received at EquiTrust by
5:00 PM (Central) on Thursday, June 2nd AND
ORIGINAL application paperwork must be received
by Friday, June 3rd.

Click here to see the All Product Summary for all EquiTrust annuities, dated June 3, 2011.

Interest Rate Change, Effective 5/31/2011
In order to receive a 45-day rate lock on transfers and exchanges*, paperwork must be received by Reliance Standard by the close of business on Friday, 5/27, as there will be no mail or overnight delivery on Monday. For a PDF version of this rate announcement, please click here (link will remain active for 60 days.)
The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5**       Annual Pt-to-Pt Cap 5.00% 5.00% No Change Annual Pt-to-Pt Participation Rate 15.00% 15.00% No Change Annual Monthly Average Cap 5.50% 5.50% No Change Annual Monthly Average Participation Rate 20.00% 20.00% No Change Fixed Interest Rate 2.75% 2.75% No Change Keystone-7**       Annual Pt-to-Pt Cap 5.50% 5.50% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 6.00% 6.00% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.85% 2.85% No Change Keystone-10**       Annual Pt-to-Pt Cap 5.75% 5.75% No Change Annual Pt-to-Pt Participation Rate 20.00% 20.00% No Change Annual Monthly Average Cap 6.25% 6.25% No Change Annual Monthly Average Participation Rate 25.00% 25.00% No Change Fixed Interest Rate 2.90% 2.90% No Change         Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.90% / 2.90% 4.10% / 3.10% -0.20% / -0.20% Eleos-SP 3.75% / 2.75% 3.95% / 2.95% -0.20% / -0.20% Apollo-MVA 3.90% / 2.90% 3.90% / 2.90% No Change Apollo-SP 3.75% / 2.75% 3.75% / 2.75% No Change Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A                 Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579       Five Year Guarantee Temporarily Suspended N/A N/A                 SPIA Factor Changes New Rate  (No Changes) Old Rate 5 Year Period Certain Temporarily Suspended N/A 6 Year Period Certain Temporarily Suspended N/A 7 Year Period Certain Temporarily Suspended N/A 8 Year Period Certain Temporarily Suspended N/A 9 Year Period Certain Temporarily Suspended N/A 10 Year Period Certain Temporarily Suspended N/A   **Effective 4/1/2011 through 6/30/2011, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.00%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) Effective 4/1/2011 through 6/30/2011, the minimum guaranteed rate for all Apollo and Eleos contracts will be 1.00%.  *Rate lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange request.

Current Rates
Please click here to view updated rates effective Wednesday, May 11, 2011. We reserve the right to change credited rates as market conditions warrant.

Rates Effective May 19, 2011

The current interest rate environment has had an impact on our annuity interest rates. There has been a consistent decline in interest rates and the 10-Year Treasury over the past few weeks. On April 11, 2011 the 10-Year Treasury was at 3.57% but recently has been as low as 3.14% – that’s over a 0.40% decrease in the last 4 weeks. We will continue to monitor the interest rate environment and we remain committed to offering you and your clients quality alternatives throughout various economic conditions.

Download the newly updated rate sheet today!

Effective Tuesday May 17^th, Columbus Life Annuity rates will decrease…

Interest Rate Changes:

Passport 1 decreased by .15%.

Passport 2 decreased by .15%.

Passport 3 decreased by .15%.

Passport 4 decreased by .15%.

Passport 5 decreased by .15%.

Passport 7 decreased by .15%.

AccountMax 7 decreased by .15%.

AccountMax 10 decreased by .15%.

 

Call CapitalCare for details…800-810-5108

Deferred Annuity Rate Change and...

Click to read or download the new rate sheet.

The current 4.00% introductory rate on our popular new Bankers 7 Premier annuity will come to a close next Friday, May 20th.  For applications received Monday, May 23rd the rate will be 3.65%.  Please refer to the attached Interest Rate Update for details about our 45-day rate hold procedure.  At this time, rates will remain unchanged for all of our other annuity products. Over the past four weeks, the yield on the 10-year U.S. Treasury note, the benchmark for fixed rate investors, has fallen from 3.58% to 3.16%, its lowest level since December.  As a result of sharp and sudden changes in market conditions, we must adjust the Bankers 7 Premier rate accordingly. Over the next several days, take full advantage of the current 4.00% rate.  LBL and CLIC annuity rates are consistently among the industry’s most competitive. Bankers Series (MYG's) Bankers Accumulator 1.00% 1 Yr Bankers 1 1.20% 1 Yr Bankers 3 2.25% 3 Yrs Bankers 5 3.10% 5 Yrs Bankers 5 Premier 3.40% 5 Yrs Bankers 5 Premier Plus 4.20% 1st Yr   3.20% Yrs 2-5 Bankers 7 3.35% 7 Yrs Bankers 7 Premier 4.00% 7 Yrs Liberty Series (Planned Rate) Liberty Choice 4.00% 1st Yr   3.00% (Base) Yrs 2-5 Liberty Select 4.50% 1st Yr   3.00% (Base) Yrs 2-7 Liberty USA 100 4.00% 1st Yr   3.00% (Base) Yrs 2-9 Liberty USA 500 8.00% 1st Yr   3.00% (Base) Yrs 2-9 SPIA Series Our SPIA is exceptionally competitive. Shown below is a sampling of our current monthly income factors provided by $100,000 premium for a male age 65, NQ with no premium tax.  Illustrations are available on our website. Monthly Income 5 Yr Term Certain: $1,752.00   10 Yr Term Certain: $ 975.00   Life Only Male 65: $ 601.00   When Interest Rate Matters - Sell LBL! For Agent Use Only

Current rates are applied to business received on or before Thursday, May 12, 2011, subject to a 60-day rate hold. Please note: Faxed applications must be received at EquiTrust by 5:00 PM (Central) on Thursday, May 12th AND ORIGINAL application paperwork must be received by Friday, May 13th.

 

Click here to see the All Product Summary for all EquiTrust annuities, dated May 13, 2011.

Rates are effective  May 1, 2011

Passport 1-5 decreased by .15%.

Passport 7 decreased by .15%. 

AccountMax 7 decreased by .15%.

AccountMax 10 decreased by .10%.

Accelerator decreased by .10%. (All states have a 1.00% guarantee except FL and MS have a 1.50% (guarantee)

All other CLIC New Money rates decreased by .10%.

	Current Interest Rates
	Current SPIA Payments

The maximum applicant ages on MarketPower Bonus Index and MarketTwelve Bonus Index annuities will decrease to age 75
(from the previous age 80) effective April 1, 2011.
Maximum applicant ages for all other EquiTrust Life annuity products will remain unchanged:

• 80 for all other index annuities*
• 85 for ChoiceFour (traditional fixed annuity)
• 85 for Confidence Income (SPIA) contracts with "Life" payouts
• 90 for Confidence Income (SPIA) contracts with fixed-period payouts
• 90 for Certainty Select (MYGA)*

Applications received in good order on or before March 31 for applicants ages 76-80 will be accepted; after March 31, they will be returned.

Please contact CapitalCare, Inc with additional questions…800-810-5108.

Rates are effective Monday, February 28, 2011:

AccountMax 7 and 10 increased by .05%

Accelerator increased by .20%. (All states have a 1.50% guarantee, except WA has a 1.00% guarantee)

Indexed Explorer Plus UL Participation Rate increased from 115% to 125%
Cap Rate decreased from 11.50% to 11.00%

	Current Interest Rates
	Current SPIA Payments

• Spectrum 9:     3% up-front bonus, 9% street comp, 9 year term:  Mthly pt to pt: 2%, Annual pt to pt: 4.25%, Fixed: 2.00%
• Accelerator 10: 6% vested bonus, 7.5% street comp, 10 year term:  Mthly pt to pt: 2.25%, Annual pt to pt: 4.50%, Fixed: 2.25%

For our OM Guarantee Platinum Fixed Annuity Product:

• Platinum 3:   2.50% Effective Yield, 1.50% Comp to age 79 (half comp for 80 and up)
• Platinum 5:   3.00% Effective Yield, 2.50% Comp to age 79 (half comp for 80 and up)
• Platinum 7:   3.30% Effective Yield, 3.25% Comp to age 79 (half comp for 80 and up)
• Full Value at Death for Platinum Series, not the Platinum PLUS.
• No Chargebacks at Death (30 Day Window from Issue)
• Cumulative Interest Free Amount
• Max Premium is $600K without HOME OFFICE Approval
• Premiums in our Fixed Annuities count toward PAIR.

4 Hour General Annuity Training CE &
Carrier-Specific Product Training Required:

State	Effective Date
Colorado	4/1/11
D.C.	6/24/11
Iowa	1/1/11
Ohio	7/1/11
Oregon	7/1/11
Rhode Island	6/1/11
Wisconsin	5/1/11

Annuity producers must complete 4 hours of General Annuity Training CE credits (provided by a state-approved training vendor) AND Product-Specific Training with any/all annuity carriers for which you will solicit or sell annuities.
BOTH elements must be completed BEFORE soliciting or selling annuity products after the effective date.

Carrier-Specific Product Training Element

All carriers are required to provide product-specific training on their respective annuity products. The EquiTrust Product-Specific Training is available now at the "Required Training" link.

General Annuity Training Element

Four hours continuing education credits must be obtained by an approved vendor offering General Annuity Training. Only state-approved training courses meet the requirement and are available at the Department of Insurance websites:

D.C.
Colorado
Iowa
Ohio
Oregon
Rhode Island
Wisconsin

Please contact the training vendors for dates, times and fees. You must provide a certificate of completion to EquiTrust prior to soliciting or selling to fulfill your General Annuity Training requirement: FAX: 515-453-3362, or email: Agent.Administration@EquiTrust.com.

BenchMark 500SE

· 10-yr surrender

· American National paper with “A” ratings

· O%, 5%, and now 8% bonus options 100% vested immediately thru age 85!

· Commission range from 7% to 8%

· 5-yr point-to-point strategy is looking fantastic!!

• o Participation rates up to 60%
• o Strategy credits greater of index gains or 2% annual compounded
• o That means “worst case” over 5 yrs is over 10.4% gains
• o If you add the 8% bonus option, “worst case” over 5 yrs is over 19% gain

· Another strategy option is the 2-yr monthly avg. with caps up to 18%

• o If we offered this 1-1-09 thru 12-31-10, the return would have been 15.49%

· Checkbook access

Interest Crediting Rates

Effective February 14, 2011, the interest rates for Premiere 5 will increase 0.40%, Premiere 7 will increase 0.30% and Power Index will increase 1.00%. Click here to view the new rates for Premiere 5&7 and Power Index: http://www2.valic.com/valic/valic.nsf/images/arc_interest_rates_2011/$file/ir_fa_2011_02_14.pdf

1% Commission Bonus on Certainty Select!

Certainty Select/Certainty
Multi-Year Guarantee Annuity

• Commission Bonus Applies to All Guarantee Periods
• And to All Applicant Ages: 0-90 Years 
Bonus added to normal commission and paid at issue.
Applies to all Apps Received February 1 through April 29, 2011.

Current Interest Rates (as of 1/13/11)

	Year 1	Years 2+	Effective Rate
10-Years	7.25%	3.25%	3.64%
8-Years	6.25%	3.25%	3.62%
6-Years	2.10%	2.10%
5-Years	2.00%	2.00%

PLUS!...1% Commission Bonus on Confidence Income Annuity! Fixed Periods 5 to 9 years. Contact CapitalCare for Details! 800-810-5108

Rates are effective January 28, 2011.

AccountMax 7 and 10  increased by .10%.

	Current Interest Rates
	Current SPIA Payments

Certainty Select/Certainty
Multi-Year Guarantee Annuity

Applicant Ages 0-90
Minimum Premium $10,000
Current Interest Rates (as of 1/13/11)

	Year 1	Years 2+	Effective Rate
10 Years	7.25%	3.25%	3.64%
8 Years	6.25%	3.25%	3.62%
6 Years	2.10%	2.10%
5 Years	2.00%	2.00%

 

Rates are subject to change. Product not available in all states. Contract issued on Contract Form Series ET-MYG-2000(11-05) or ET-MYG-2000(06-09); and 430-SPA(08-03). Group Contracts issued on Form Series ET-MYG-2000C(06-09). EquiTrust Life Insurance Company, West Des Moines, IA.  For Producer Use Only.  AC11-ET-ECN-1018.

Rate Increase on MYGA, SPIA, and Traditional Fixed Annuities!
Rates Effective Thursday, January 13, 2011

Certainty^TM/Certainty Select^®

Period	Year 1	Years 2+
5	2.00%	2.00%	no change
6	2.10%	2.10%	no change
8	6.25%	3.25%	formerly 5.25/3.25%
10	7.25%	3.25%	formerly 6.25/3.25%

Confidence Income^®
Monthly guaranteed payment on $100,000 premium

5-Year Fixed Period	$1,722.64	formerly $1,710.24
10-Year Fixed Period	$968.08	no change
15-Year Fixed Period	$737.95	no change
20-Year Fixed Period	$614.46	no change
Life Only - Male 65	$628.92	formerly $608.67
Life Only - Female 65	$579.31	formerly $559.41
Joint Life - Male/Female 65	$517.79	formerly $495.72

ChoiceFour^®

Option	Year 1
Base Contract	3.25%	no change
MVA Option	3.25%	no change
Liquidity Option	2.50%	formerly 2.00%
Liquidity & MVA Option	2.50%	formerly 2.00%

Click here to see the All Product Summary dated January 13, 2011, for all EquiTrust annuity products.

Good news - another rate increase!

We are very pleased to announce our third rate increase since the beginning of December. Index rates and caps and declared account rates have increased on many of our flexible premium indexed annuities and fixed interest rate annuities. Some increases are effective January 15 and others are effective January 22. Please review the Competitive Edge flyer for details on each specific product.

Interest Rate Changes, Effective 1/4/2011

In order to receive a 45-day rate lock** on transfer and exchange business, paperwork must be received by Reliance Standard no later than Monday, January 3rd.

For a PDF version of this rate bulletin, please click here (this link will be available for 30 days.)

Rates Effective December 21, 2010

Rates are improving! Download the newly updated rate sheet today!

Fixed annuity rate changes are effective 1/1/11. Fixed indexed annuity rate changes are effective for applications received on or after 1/1/11. Click the links below for details.

Lincoln Fixed Annuities — National

Liberty Bankers has extended the Introductory Rate Special on the new Bankers 7 Premier – 4.00% guaranteed for 7 years.   This hot product has only recently been approved in some states, and unfortunately, there are still some states in which it is not yet available.  For the latest information, please check our website for an updated list of state availability.  At this time, it is available in:

LBL: AZ, AR, CA, CO, FL, GA, KS, KY, LA, MI, NE, NC, SC, SD, TN, TX, UT, WI & WV

Effective December 20, the interest rates for Premiere 5 & 7 will increase by 0.35%.  Click here to view the new rates for Premiere 5 & 7 as of 12/20:  http://www2.valic.com/valic/valic.nsf/images/arc_interest_rates_2010/$file/ir_fa_2010_12_20.pdf

• Passport 1, 2, 3, 4 and 5-year guarantee rates increased by 0.20%.
• AccountMax 7-year guarantee rates increased by 0.25%.
• AccountMax 10-year guarantee rates increased by 0.20%.
• Accelerator guarantee rates increased by 0.20%.  (All states except WA have a 1.50% guarantee.)

All other CLIC new money rates increased by 0.20%.

Download Current Interest Rates pdf

The new rates are reflected automatically in the web version of the illustration system.  You can update the desktop version of the illustration system by clicking the "System Update" link on the left hand side of the main screen.

Rate & product changes

Several changes are important for you to know. Effective January 1, 2011, some renewal rates have changed and we are discontinuing sales of the Optimum 2 product. This product was slightly profitable to begin with but in today's challenging investment environment it just makes good business sense. Also the commission on a SPIA settled for less than 10 years has been reduced and the rate changed to 3.0% because of the spread available on short term rates.

Rates effective January 1, 2011 

New Sales             Current               Renewal rate                                                                                              

Preferred 8                  3.50%             4.10% *          

Preferred 5                  3.25%             3.75% *          

Preferred Choice         3.00%              3.00%  

Optimum 3                    3.15%             3.15%

* denotes rate change.

Products no longer being marketed: Preferred 7 product is crediting 4.00% * - Flex accounts are crediting 4% - Optimum Choice @ 3.0% - Optimum 2 @ 3.10%

SPIA interest rates: 10 years or more 4.00% *, less than 10 years - 3.00% *

The investment growth fund is now crediting 3.00% interest

 

Some questions remain on how the Optimum Choice works. After the first year the client will receive a 30 day window letter from our office. This letter will have several options:

· Option 1 - Continue the Optimum Choice annuity for another 1 year period.

· Option 2 - Roll over to one of our other annuity products.

· Option 3 - Settle the annuity and start taking payments.

· Option 4 - Partial or full withdrawal of the funds.

Once the client selects their option they return the letter to our office. If they choose Options 2, 3, or 4 then there will be additional paperwork necessary to process their request. You should help the client complete this paperwork. You should also be aware that we only send a "30 day" window letter the first year. In all subsequent years it is the client's responsibility to notify us in writing during their 30 day window if they wish to make any changes.  

The new Preferred Choice annuity is similar except it only has one window at the end of the first year. If the funds are left on deposit after the first year; then the client is in year 2 of a Preferred 5 contract. The Preferred Choice may not be renewed on a year to year basis like its predecessor.

Effective Wednesday, December 1, 2010:

Passport 1, 2, 3, 4, and 5 increased by .15%

AccountMax 7 increased by .15%.

AccountMax 10 increased by .20%.

Accelerator increased by .10%. (All states have a 1.50% guarantee except WA has a 1.00% guarantee)

All other CLIC New Money rates increased by .15%.

Indexed Explorer Plus Universal Life Rate Change The participation rate on the uncapped indexed fund has increased to 105%.

	Current Interest Rates
	Current SPIA Payments

At Allianz there’s nothing more important than remaining true to our promises. We remain steadfast in protecting those promises by making the following product changes:

Allianz MasterDex X^® Annuity changes effective Tuesday, December 21, 2010:

· The premium bonus will decrease from 8% to 7%

· The Simple Income III (or Simple Income II if approved in your state (324KB PDF)) Rider cost will increase from 60 bps to 75 bps annually.

Business rules:

Applications must be received on or before Monday, December 20 at 5:00 p.m. CST to receive the higher bonus and lower rider cost. For more details, please read these important business rules.

New Business Interest Rates Effective January 1, 2011
Select Plus 5 SPDA 1.75% First Year Premium Bonus: 5.00% up through issue age 60 2.00% for issue ages 61 or over SecureLife Plus UL Current interest rate: 4.25%

We want to wish you a Happy and Safe Thanksgiving.

Our office will close at 1:00 pm Central on Wednesday, November 24th. We will also be closed for the Thanksgiving Holiday on November 25th, and 26th.

We will open at 8:00 am Central on Monday November 29th.

Click here to see the All Product Summary for all EquiTrust annuities, dated November 12, 2010.

November Interest Rates - Effective November 1, 2010
Select Plus 5 SPDA: 2.00% First Year Premium Bonus: 5.00% up to age 60 2.00% for ages 61 or over SecureLife/SecureLife Plus 4.25%

RBC has posted rates for November 2010 – Click on Link to View… Updated Annuity Rates

Rate INCREASE for EquiTrust Annuities!

Effective Thursday, October 28, 2010.

Click here to see the All Product Summary for all EquiTrust annuities, dated October 28, 2010.

Rates Effective October 27, 2010

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support at 800-810-5108.

Good News! Minimum Premium Amounts LOWERED for Six EquiTrust Annuities!
Effective Immediately!

	Now	Was
Certainty Select (MYGA)	$10,000	$30,000
ChoiceFour (Traditional)	$10,000	$30,000
MarketValue Index	$10,000	$30,000
MarketBooster Index	$10,000*	$30,000
MarketSeven Index	$10,000	$30,000
MarketPower Bonus Index	$20,000	$30,000

They're Back! New-Design Bonus Index Annuities!

Return of Premium Guarantee at No Cost!

MarketTen Bonus Index
Available in Most States!
• 6% Premium Bonus for first 5 years
• 10-Year Design

Builder Bonus Index
Available in Connecticut, Delaware, Oregon, Utah and Washington
• 6% Premium Bonus in the first year*
• 9-Year Design

Both Also Feature
Income For Life Rider Available
One Moving Part Per Strategy
Full Accumulation Value at Death – No Annuitization Required
10% Penalty-free Withdrawals After First Year
Nursing Home Waiver for All Issue Ages
Variety of Index Strategies with Competitive Rates
Flexible Premiums

Interest Rate Changes:

Passport 1 increased by .35%.

Passport 2 increased  by .30%.

Passport 3 increased  by .25%.

Passport 4 increased  by .15%.

Passport 5 increased  by .10%.

AccountMax 7 increased by .10%.

AccountMax 10 increased  by .15%.

Important rate changes for October 2010

Fixed annuity rate updates are effective 10/1/10. Fixed indexed annuity rate changes are effective for applications received on or after 10/1/10. Click the links below for details.

Rate notices

Lincoln Fixed Annuities — National
Lincoln Fixed Annuities — New York

Rate lock procedures

For specific rate lock procedures, visit LFD.com, or click here.

Note: Indexed annuities are issued four times a month, on the 1st, 8th, 15th, and 22nd. Interest is not credited between the date premium is received and the date the policy is issued.

October Interest Rates Effective October 1, 2010
Select Plus 5 SPDA 2.00% First Year Premium Bonus: 5.00% ages 0-60 60 2.00% ages 61 or over

The rate is changing on the Guarantee Series (SPDA-MYGA)*

The following rate adjustments are being made effective September 3, 2010.

To receive current rates, original signed applications must be received in our office by 4:30pm CT on Thursday, September 2nd, 2010. No faxed copies will be accepted. Transfer funds must be received in our office by 1:00pm CT on Friday, September 17th, 2010. In order to qualify as a transfer, applications must be accompanied by 1035/Direct Transfer paperwork and funds must be requested by American Equity. NO EXCEPTIONS!

	CURRENT RATE	NEW RATE
Guarantee 5 (SPDA-MYGA)	3.65%	3.15%
Guarantee 7 (SPDA-MYGA)	3.75%	3.25%

*Form number and availability may vary by state. Rates vary in CA, DE, MN, PA, and WA.

Guaranteed Lifetime Withdrawal Benefit riders have been popular with our customers and we have made some updates to our Income Pay, optional living benefit rider. Effective September 1, 2010, the following changes will apply:

Income Pay Changes	Bonus Credit1	GMWB Charge
Option One	6.00% (no change)	New Lower Cost! 0.20%
Option Two	New Higher Bonus! 8%	0.75% (no change)

Also the Lifetime Payment Percentages will be reduced and the new percentages will apply as follows:

Attained Age*	Single Covered Person	Joint Covered Person**
50-59	4.00%	3.00%
60-64	4.50%	3.50%
65-69	5.00%	4.00%
70-74	5.50%	4.50%
75-79	6.00%	5.00%
80+	6.50%	5.50%
*Lifetime Payment Percentage is determined by the attained age of the covered person. **Based on attained age of youngest covered person

These product changes will apply to applications received in the Home Office on or after September 1, 2010.

Please begin using the updated brochure and election form for applications received on or after September 1, 2010. New printed brochures will be available through our standard supply process by September 1, 2010. For assistance with pdfs, ordering new materials or questions on the changes, please contact Marketing Support at 866-322-7066.

Remember that we now allow joint payouts for spouses on both qualified and non-qualified money for the Income Pay.

Over the last several weeks, Treasury Bond yields have declined to historic lows as concerns mount over future prospects for the economy. As a result, reduced yields and lower spreads for corporate bonds and mortgages have challenged our ability to meet annuity pricing targets. It would also appear that the low rate environment will be with us for some time to come. As we manage our annuity product portfolio, we have made some tough decisions regarding products and interest rates to meet the needs of all of our constituencies: policyholders, field force, shareholders and rating agencies. Effective September 2nd, we will reduce interest rates on our Eleos, Apollo and Keystone 5/7/10 products in accordance with the schedule below. We will also temporarily suspend the sales of our Elektra and Argus products effective September 2nd (until further notice). To receive the current rates, all paperwork must be received in our Administrative Office by September 1st. Our 45 day rate lock runs 45 days from the date we send the paperwork to the existing financial institution. All paperwork for the Argus-MVA, Argus-SP and Elektra 5 products must be received in our Administrative Offices by September 1st. Applications received after September 1st will receive the new rates, or in the case of Argus and Elektra will be returned to the writing agent. We believe that the new rates for Eleos, Apollo and the Keystone products remain competitive when compared to CD and money market alternatives and provide you with viable products in today’s low rate environment.

Interest Rate Change, Effective September 2nd

In order to receive a 45-day rate lock** on transfer and exchange business, paperwork must be received by Reliance Standard no later than Wednesday, September 1st.

For a PDF version of this rate bulletin, please click here (this link will be available for 30 days.)

The Keystone Index Annuity Product New Rates Old Rates Change Keystone-5* Annual Pt-to-Pt Cap 4.50% 4.50% No Change Annual Pt-to-Pt Participation Rate 25.00% 25.00% No Change Annual Monthly Average Cap 5.00% 5.00% No Change Annual Monthly Average Participation Rate 35.00% 35.00% No Change Fixed Interest Rate 2.50% 2.75% -0.25% Keystone-7* Annual Pt-to-Pt Cap 5.00% 5.00% No Change Annual Pt-to-Pt Participation Rate 30.00% 30.00% No Change Annual Monthly Average Cap 5.50% 5.50% No Change Annual Monthly Average Participation Rate 40.00% 40.00% No Change Fixed Interest Rate 2.60% 2.85% -0.25% Keystone-10* Annual Pt-to-Pt Cap 5.00% 5.00% No Change Annual Pt-to-Pt Participation Rate 30.00% 30.00% No Change Annual Monthly Average Cap 5.50% 5.50% No Change Annual Monthly Average Participation Rate 40.00% 40.00% No Change Fixed Interest Rate 2.65% 2.95% -0.30% Traditional Bonus Annuity Product New Rates Base + Bonus / Base Old Rates Base + Bonus / Base Change Base + Bonus / Base Eleos-MVA 3.40% / 2.90% 3.90% / 3.15% -0.25% bonus/ -0.25% base Eleos-SP 3.40% / 2.90% 3.90% / 3.15% -0.25% bonus/ -0.25% base Apollo-MVA 3.20% / 2.70% 3.55% / 3.05% -0.35% base Apollo-SP 3.20% / 2.70% 3.55% / 3.05% -0.35% base Argus2000-MVA Temporarily Suspended N/A N/A Argus2000-SP Temporarily Suspended N/A N/A Multi-Year Guarantee Rates Product New Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Old Rates Guar Rate 1st Yr/ Guar Rate Yrs 2+ Change Guar Rate 1st Yr/ Guar Rate Yrs 2+ Elektra-579 Five Year Guarantee** Temporarily Suspended N/A N/A SPIA Factor Changes New Rate  (No Changes) Old Rate 5 Year Period Certain 16.80 16.80 6 Year Period Certain 14.29 14.29 7 Year Period Certain 12.54 12.54 8 Year Period Certain 11.22 11.22 9 Year Period Certain 10.22 10.22 10 Year Period Certain 9.44 9.44             *Effective 7/1/2010 through 9/30/2010, the minimum non-forfeiture rate for Keystone policies will be 87 1/2% of premium at 1.15%.  The Guaranteed Minimum Interest Rate is not impacted by this change (100% of premium at 1.50% for the Keystone-5, and 100% of premium at 2.00% for the Keystone-7 and Keystone-10.) Effective 7/1/2010 through 9/30/2010, the minimum guaranteed rate for all Apollo and Eleos contracts will be 2.00%.  **Rate Lock does not apply to non-qualified business where Reliance Standard is not processing the transfer/exchange. For more information contact: Reliance Standard Life Insurance Company (800) 351-7500 Amy ext 3948, Todd ext 4749, Katelyn ext 4765 www.reliancestandard.com

Sales and Marketing - Important News

Updated annuity interest rates, effective September 1. Now you can bundle and email RBC forms! GLWBs back in IL and product discontinuations effective September 1, view these important product updates. RBC Choice 10 FIA back in Texas. Find out the guidelines for advertising RBC Insurance and its products, and check out a listing of available materials.

Temporarily Suspending Some Fixed Index Annuity Products in Minnesota

 

Effective September 1, 2010

Due to the prolonged low interest rate environment and its impact on our products, North American Company for Life and Health Insurance will be temporarily suspending the sale of some fixed index annuity products in Minnesota until further notice. This change takes effect on September 1, 2010.

Products temporarily suspended:

• North American Charter^SM
• North American Precision^SM

The suspension of these products will apply to applications received in the Home Office on or after September 1, 2010. We will accept faxed applications on August 31, 2010 for 1035 Exchanges/Transfers to receive the current product offerings as long as the original paperwork is received by September 1, 2010.

Effective August 28, 2010:

Passport 1- and 2-Year Guarantee rates will decrease 50 bps.

Passport 3-Year Guarantee rates will decrease 45 bps.

Passport 4-Year Guarantee rates will decrease 40 bps.

Passport 5-Year Guarantee rates will decrease 30 bps.

Accelerator new issue rates will decrease 30 bps.

AccountMax 7- and 10-Year guarantee rates will decrease 35 bps.

All other CLIC New Money rates will decrease 30 bps.

Current Interest Rates

RATE CHANGE for All EquiTrust Annuities
Effective Friday, September 3, 2010

Current rates are applied to business received on or before Thursday, September 2, 2010, subject to a 60-day rate hold.

Please note: Faxed applications must be received at EquiTrust Life by 5:00 PM (Central) on Thursday, September 2nd AND ORIGINAL application paperwork must be received
by Friday, September 3rd.

Rates Effective September 3, 2010:

MarketTwelve Bonus IndexTM
1-Year Pt-to-Pt Cap	4.00%	formerly 5%
1-Year Daily Avg Cap	4.00%	formerly 5.50%
1-Year Monthly Avg Part	30.00%	formerly 40%
1-Year Monthly Cap	1.75%	formerly 1.85%
2-Year Monthly Avg Cap	12.00%	formerly 14%
1-Year Interest	1.50%	formerly 2%
MarketPower Bonus Index®
1-Year Pt-to-Pt Cap	4.00%	formerly 5%
1-Year Daily Avg Cap	5.00%	formerly 6%
1-Year Monthly Avg Part	40.00%	no change
1-Year Monthly Cap	2.00%	formerly 2.20%
2-Year Monthly Avg Cap	12.00%	formerly 16%
1-Year Interest	2.00%	formerly 2.25%
MarketBooster Index®
1-Year Pt-to-Pt Cap	4.00%	formerly 5%
1-Year Daily Avg Cap	5.00%	formerly 5.50%
1-Year Monthly Avg Part	40.00%	no change
1-Year Monthly Cap	1.55%	formerly 1.85%
1-Year Interest	1.50%	formerly 2.15%
MarketValue Index®
1-Year Pt-to-Pt Cap	5.00%	formerly 6%
1-Year Monthly Avg Cap	5.50%	formerly 7%
1-Year Monthly Avg Part	40.00%	formerly 50%
1-Year Monthly Cap	2.50%	formerly 2.60%
2-Year Monthly Avg Cap	12.00%	formerly 18%
1-Year Interest	2.40%	formerly 2.85%
MarketSeven Index®
1-Year Pt-to-Pt Cap	4.00%	formerly 4.50%
1-Year Daily Avg Cap	5.00%	no change
1-Year Monthly Avg Part	40.00%	no change
1-Year Monthly Cap	1.55%	formerly 2%
1-Year Interest	1.50%	formerly 2.25%

Certainty^TM/Certainty Select^®

Period	Years 1+
5	2.00%	no change
6	2.10%	no change
8	3.00%	formerly 3.55%
10	3.25%	formerly 3.75%

Confidence Income^®
Monthly guaranteed payment on $100,000 premium

5-Year Fixed Period	$1,701.99	formerly $1,716.85
10-Year Fixed Period	$933.31	formerly $955.42
15-Year Fixed Period	$712.27	formerly $727.16
20-Year Fixed Period	$584.87	formerly $607.99
Life Only - Male 65	$608.67	formerly $638.82
Life Only - Female 65	$559.41	formerly $589.06
Joint Life - Male/Female 65	$495.72	formerly $522.80

ChoiceFour^®

Option	Year 1
Base Contract	2.50%	formerly 2.75%
MVA Option	2.50%	formerly 2.75%
Liquidity Option	2.00%	formerly 2.15%
Liquidity & MVA Option	2.00%	formerly 2.15%

Click here to see the All Product Summary dated September 3, 2010, for all EquiTrust annuity products.

Daily updates of the All Product Summary are available on the EquiTrust Life agent website EquiTrust.com.  Go to "Agent Login/Fixed Annuities," and click on the "Products" link.

Interest Rate Update Interest rates on select LBL annuity products will decrease on funds received in our Administrative office  effective Monday, September 6th.  Please refer to the attached Interest Rate Update for details.  Our customary 45 day rate hold will apply.

Rates Effective September 1, 2010

With these rate changes, download a message from our President on the current rate environment.

1% Commission Bonus Special
on North American Freedom Choice^® Extended
The Commission Bonus Special on the Freedom Choice has been extended through September 30th. Receive an additional 1% commission on applications written for the North American Freedom Choice annuity product between July 20, 2010 and September 30, 2010. See details below.

3-Year North American Guarantee Choice^SM Annuity Now Available!

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Certainty Select/Certainty
Multi-Year Guarantee Annuity

• Commission Bonus Applies to All Guarantee Periods
• And to All Applicant Ages: 0-90 Years 
Bonus added to normal commission and paid at issue.
Applies to all Apps Received August 2 through September 30, 2010.

Call for details…800-810-5108.

Life Insurance Company of the Southwest (LSW) is adjusting Participation Rates, Caps and Declared Rates to reflect today’s interest rate environment. Interest crediting rates on most LSW annuities are affected, and the changes take effect as soon as August 22, 2010. Please see the Competitive Edge flyer for details.

1% Commission Bonus Special on North American Freedom Choice^® beginning July 20, 2010 through August 31, 2010!¹

Break free from the low interest rate environment...

North American Freedom Choice^®

A Fixed Index Annuity from North American designed for a low interest rate environment

 

There are several choices:

• 4 Surrender Charge Period Options
• Diversify with several Index Account Options
• Caps as high as 8.45%²
• Optional GLWB Rider Available – Income Pay^SM3
  on the 10% penalty-free option only.

Call CapitalCare for more information at 800-810-5108.

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

1. Commission Bonus will apply to North American Freedom Choice new business applications received at the Annuity Service Center between 7/20/10 and 8/31/10. No exceptions will be made for applications received outside the dates listed above. Transfers and exchanges must be paid by 10/15/10 to earn the Commission Bonus. Commission Bonus only applies to first-year premiums for the North American Freedom Choice. Commission Bonus applies to personal production only. Production cannot be accumulated between agents for the purposes of the incentive. Commission rates may vary by issue age, contract level, and state of residence. Commission bonuses will be paid through normal commission channels. Agent is responsible for bonus through issuance of IRS Form 1099. Agent must be a current active North American agent in order to receive commission bonus. This commission bonus does not alter or amend the Agent Contract or the contracting level assigned to the agent in any way. All rules pertaining to commission chargebacks remain in effect. North American reserves the right to accept or decline business at any time. North American reserves the right to modify or discontinue this program at any time. All rules will be interpreted by North American. All decisions are at the sole discretion of North American and all decisions are final.

2. Cap rate listed is for the Annual Point-to-Point S&P 500® High Band 14-year option with a 5% Penalty-Free withdrawal option. Rates are current as of 07/20/10 and are subject to change.

3. The Income Pay^SM GMWB Rider, is a guaranteed lifetime withdrawal benefit (GLWB), issued on form AE513A (rider) and SP513B (spec page) or appropriate state variation by North American Company for Life and Health Insurance, West Des Moines, IA. This rider may not be appropriate for all clients. Income Pay is not available on the Freedom ChoiceSM with 5% Penalty Free Withdrawal.

The North American Freedom Choice® annuities are issued on form LC160A (group certificate) and LS160A (individual contract), LR424A, LR426A, LR427A, LR428A, LR431A, LR434A (optional), and LR433A (riders/endorsements) or appropriate state variation by North American Company for Life and Health Insurance, West Des Moines, IA. These products, their features and riders/endorsements may not be available in all states.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “S&P MidCap 400®”, “Standard & Poor’s MidCap 400 Index®” and “Standard & Poor’s 500 Index®” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North American. The Freedom Choice is not sponsored, endorsed, sold or promoted by Standard & Poor’s® and Standard & Poor’s® makes no representation regarding the advisability of purchasing in the product.

Aviva recently released a field update announcing changes to Aviva’s fixed annuity products and annuity income riders, effective September 3, 2010. Click here to read the announcement.

Please contact CapitalCare at 800-810-5108 with any questions you have on these changes.

Income riders reinstated for sales in Illinois effective immediately
We have good news to report … Effective immediately, we are back in business with the RBC GLWB and Enhanced GLWB income riders in Illinois. These riders, available with our RBC Choice Series Fixed Index Annuities, were temporarily pulled in early April as the Illinois Department of Insurance formally reviewed them after their initial certification process.

Effective September 1, 2010, we will suspend sales of our Master Builder, Guarantee 3+3 Master and RBC 3+3 MYG annuities. RBC Insurance will continue to strive to adapt to these changing times and develop new and competitive products for the marketplace. We want to continue to build on our current momentum of strong sales.

New business procedures for Master Builder, Guarantee 3+3 Master and RBC 3+3 MYG
Any applications with cash or 1035 paperwork for Master Builder, Guarantee 3+3 Master and RBC 3+3 MYG annuities received by end of business day on Tuesday, August 31, 2010 will be entered into pending status at our service center. After that date, we will no longer accept applications for these annuities.

August 2010-

Please refer to the enclosed Product Portfolio for more detailed information including current rates for Liberty Bankers.

Annually, Ward Group analyzes the financial performance of nearly 800 life-health insurance companies domiciled in the United States and identifies the top 50 performers. This group is called the Ward’s 50.

Each Ward's 50 company has passed all safety and consistency screens and achieved superior performance over the five years analyzed. This is the 20^th year Ward Group has conducted the analysis. Companies selected to the Ward 50 must also demonstrate an ability to grow while maintaining strong capital positions and underwriting results.

Below is a link to the 2010 Ward’s 50 release with a more detailed description of their selection criteria.  Our presence in this group over the past four years highlights the fact that we were able to safely and profitably grow our benefits and fixed annuity businesses over the last five years and provides annuity contract owners and producers a high level of confidence when placing annuity business with Reliance Standard Life.

Please click here for a PDF of the 2010 Ward's 50 (this link will be active for 90 days).

Attention Producers Selling Annuities in Texas
In May, we announced that we were no longer accepting new sales of RBC Choice 10, RBC Enhanced Choice 10, RBC Enhanced Choice 12 and Master Builder annuities in Texas as result of requirements by Texas Law HB 1919.

We have good news to report … we are back in business with 10 year fixed index annuities in Texas with a new state variation of our RBC Choice 10 annuity. In order to bring this annuity into compliance with Texas law, we were required to make a few minor changes to the product design. Call CapitalCare at 800-810-5108 for more details!

Annuity New Money Rate Changes

Effective Sunday, August 15, 2010

• Passport 1-, 2- and 3-year guarantee rates decreased by 0.20%.
• Passport 4-year guarantee rate decreased by 0.25%.
• Passport 5-year guarantee rate decreased by 0.35%.
• AccountMax 7- and 10-year guarantee rates decreased by 0.25%.
• Accelerator guarantee rates decreased by 0.25%.  (All states except WA have a 1.50% guarantee.)

All other CLIC new money rates decreased by 0.25%.
Download the Current Interest Rates.

Effective August 2, 2010, the contractual minimum cap rates and minimum participation rates will be reduced for all EquiTrust index products.
For contracts to be issued with the current minimums, money must be received at EquiTrust by Friday, July 30th.  Only contracts issued on or after August 2nd will be impacted by this change.
New Disclosure Statements with a 7-10 date are available on the website now.  Starting July 19th, disclosures dated prior to 7-10 will not be accepted.

New Minimum Cap/Participation Rates
MarketTwelve Bonus Index
  1-year Daily Average Cap: 3%
  1-year Monthly Average Participation: 10%
  2-Year Monthly Average Cap: 6%
MarketPower Bonus Index
  1-year Point-to-Point Cap: 3%
  1-year Daily Average Cap: 3%
  1-year Monthly Average Participation: 10%
  2-Year Monthly Average Cap: 6%
MarketBooster Index
  1-year Point-to-Point Cap: 3%
  1-year Daily Average Cap: 3%
  1-year Monthly Average Participation: 10%
MarketValue Index
  1-year Point-toPoint Cap: 3%
  1-year Monthly Average Cap: 3% 
  1-year Monthly Average Participation: 10%
  2-Year Monthly Average Cap: 6%
MarketSeven Index
  1-year Point-to-Point Cap: 3%
  1-year Daily Average Cap: 3%
  1-year Monthly Average Participation: 10%
The minimum rates will be the same for all products that feature these accounts:
  1-Year Monthly Cap:    0.50% minimum cap     
  1-Year Interest:    1.00% minimum rate 
Marketing Materials
Revised PDFs dated 7-10 are available now for downloading/printing from the EquiTrust.com website.  Any sales materials dated prior to 7-10 should not be used for contracts that will be issued on or after August 2nd.  Printed supplies will be available at the "Order Supplies" link soon.  
Product Availability in Washington
This minimum rate change results in two products being suspended in the state of Washington: MarketSeven Index and MarketValue Index.  See Transition Rules below pertaining to MarketSeven and MarketValue sales in Washington.  
Transition Rules
Click here for Transition Rules pertaining to Disclosure Statements, Pending Business and Washington contracts.

 

Call CapitalCare for more information 800-810-5108.

Rates Effective July 20, 2010

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit www.nacannuity.com.

1% Commission Bonus Special on North American Freedom Choice^®:
Receive an additional 1% commission on applications written for the NA Freedom Choice annuity product between July 20, 2010 and August 31, 2010. See details below.

Please note that all mail must be delivered directly to our new address: 4350 Westown Parkway, West Des Moines, Iowa 50266.

On Tuesday, June 22nd, the Senate Committee on Banking, Housing and Urban Affairs as part of the House-Senate Conference Committee on the Financial Regulations Bill voted 8-4 to approve the Harkin Amendment. The Harkin Amendment clarifies that fixed indexed annuities are NOT securities and should be regulated by state insurance regulators. This amendment was added to the Senate version of the Financial Regulatory Reform Bill.

Yesterday, Thursday, June 24, the House side of the Conference Committee in a 12-4 vote also agreed to include the Harkin Amendment into the final Bill. The final version of the Bill is expected to be voted on by Congress and presented to the President for his signature prior to the July 4th Congressional recess.