Immediate Annuity (SPIA) Commissions (Licensed Agents Only)

Insurance Companies: Effective March, 2008		Premiums to $499,999	Premiums $500,000 and greater
Allianz	contracting forms	3.00%	3.00%
American General US LIC/NY	contracting forms	3.10% (incl. 0.10% from WebAnnuities)	3.25% (incl. 0.25% from WebAnnuities)
American National *see footnote area below	contracting forms	3.10% (incl. 0.10% from WebAnnuities) Reduced for short period certain for all ages and for other annuities ages 85-90	3.25% (incl. 0.25% from WebAnnuities) Reduced for short period certain for all ages and for other annuities ages 85-90
Genworth LIC Genworth LIC of NY *see footnote area below	contracting forms	3.10% (incl. 0.10% from WebAnnuities)	3.25% (incl. 0.25% from WebAnnuities) Reduced > $2,500,000
Integrity LIC Natl Integrity LIC *see footnote area below	contracting forms	3.75% Reduced for short period certain	3.75% Reduced for short period certain
Lafayette Life *see footnote area below	contracting forms	3.00% Reduced for short period certain for all ages 70 and older	3.00% Reduced for short period certain for all ages 70 and older
Lincoln Benefit	contracting forms	3.10% (incl. 0.10% from WebAnnuities)	3.25% (incl. 0.25% from WebAnnuities)
MetLife Investors *see footnote area below	contracting forms	3.10% Reduced for short period certain	3.25% Reduced for short period certain
Minnesota Life (Securian) *see footnote area below	contracting forms	3.00% Reduced for period certain for all ages and for life annuities ages 81-90	3.00% Reduced for period certain for all ages and for life annuities ages 81-90
OM Financial (F&G) *see footnote area below	contracting forms	3.10% (incl. 0.10% from WebAnnuities) Reduced for ages 90+	3.25% (incl. 0.25% from WebAnnuities) Reduced for ages 90+
Presidential (Street Level 51) *see footnote area below	contracting forms	3.50% Reduced for short period certain	3.50% Reduced for short period certain
United of Omaha	contracting forms	Call	Call

* The following companies reduce commissions for large premiums or for period certain annuities of a short duration as follows: (The percent indicated represents total agent commission.)

ANICO- Red. for short PC- 5 -9 years @ 1.50%. Single and Joint Life annuities for ages 85-90 reduced to 1.50%
Aviva- Red. for short PC - 5 years and less = 1.00% (regular comm. for PC 6 years and more)
Genworth- Red. for premiums > $2,500,000
Integrity- Red. for short PC - 5 to 9 yrs certain = 3.00% (regular comm. for Life or PC of 10 years and more)
Lafayette Life- Red. for short PC and ages 70 and older
MetLife Investors- Red. for short PC: 5 year PC @ 1.50%. 6-9 years @ 2.00%.
Minnesota- Red. for 5PC-9PC all ages @ 1.50% ; Red. for 10PC or longer PCs or Life annuities ages 81-85 @ 1.50% ; ages 86-90 @ 0.50%
OM Financial (former Fid. & Guar.)- Red. by age: 99-100=0.75%; 98=1.50%; 97=2.00%; 96=2.25%; 95=2.50%; 90-94 =2.75%
Presidential Life - Short PC: 24-29 mos. =1.56%; 30-35 mos. =1.93%; 36-41 mos. =2.32%; 42-47 mos. =2.70%; 48-53 mos. =3.12%; 54-59 mos. =3.50%