The Latest FIA Product and Commission Updates from FGL

Fidelity & Guaranty Life Changes Commission and GMWB/EGMWB Roll-Up Rates on Fixed Indexed Annuities Commission will change for FGL’s Safe Income Plus® FIA. Guaranteed Minimum Withdrawal Benefit (GMWB) and Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) roll-up rates will also be updated for the Prosperity Elite® series, the FG AccumulatorPlus® series, FG Index-Choice® 10 and the Performance Pro® FIA. FIA_Product_Updates_8-22-16 Premium received and applications in good order on or before September 29, 2016 will be issued with the current GMWB/EGMWB roll-up rates • Applications issued on or after September 30, 2016 will receive the new GMWB/EGMWB roll-up rates

For Producer Use Only – Not For Use in Solicitation to Consumers Form number: API-1018(06-11), ACI-1018(06-11); et al. “FGL” when used herein refers to Fidelity & Guaranty Life, the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Commission will change for FGL’s Safe Income Plus® FIA. Guaranteed Minimum Withdrawal Benefit (GMWB) and Enhanced Guaranteed Minimum Withdrawal Benefit(EGMWB) roll-up rates will also be updated for: the Prosperity Elite® series, the FG AccumulatorPlus® series, FG Index-Choice® 10 and the Performance Pro® FIA

North American MYGA Rate Decrease 9/1/2016

MYGA interest rate decrease effective September 1, 2016 North American Guarantee ChoiceSM Multi-Year Guarantee Annuity (MYGA) interest rates are decreasing as follows:     Surrender Charge Period1 New High Band Rate Old High Band Rate New Low Band Rate Old Low Band Rate 3-Year 1.30% 1.50% 1.00% 1.20% 4-Year 1.50% 1.70% 1.25% 1.45% 5-Year 2.25% 2.35% 2.00% 2.10% 6-Year 1.90% 2.10% 1.65% 1.85% 7-Year 2.15% 2.35% 1.90% 2.10% 8-Year 2.30% 2.50% 2.10% 2.30% 9-Year 2.40% 2.60% 2.20% 2.40% 10-Year 2.50% 2.70% 2.30% 2.50%     NOTE: New interest rates will apply to applications received in the Home Office on or after September 1, 2016. To receive current rates, get applications in before September 1, 2016. (For electronic apps/e-App, applications must be electronically submitted and received in the Home Office prior to midnight CDT on August 31, 2016.) Updated rate sheets will be available on our website by September 1, 2016.    FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Products issued by North American Company for Life and Health Insurance®, West Des Moines, IA. Product features and options may not be available in all states or appropriate for all clients. See product brochures, disclosures and state availability chart for further details, limitations and information on appropriate state variations. The North American Guarantee ChoiceSM is issued on forms NC/NA1000A (certificate/contract) AE515A, AE516A, LR427A, LR433A, LR441A and LR441A-1 (endorsements/riders). 1. A surrender during the surrender charge period could result in a loss of premium. The surrender charge and Interest Adjustment (also known as Market Value Adjustment) reset with renewal. Surrender charge structure may vary by state.

EquiTrust Certainty Select® Multi-Year Guarantee Annuity  Increase Effective 8/18/16

EquiTrust Certainty Select® Multi-Year Guarantee Annuity  Increase Effective 8/18/16

• Available to applicants ages 0-90 • Nursing home waiver rider, applicant ages 0-80 (not available in MA) • Full Accumulation Value at Death • Available in 49 states Competitive Rates!

Current rates as of 8/18/16.

To see the current rates on the Agent Website, click here

Reminder: Certainty Select Pays Renewal Commissions! The 1% renewal commission applies to renewal of the guarantee period for in-force contracts for all Certainty or Certainty Select contracts – all issue dates! Renewal commissions are paid to agents with active EquiTrust contracts at the time of renewal.*

Competitive rates combined with the safety offered during these uncertain times make Certainty Select a compelling product for your clients – and for you!

Renewal Commissions paid only for guarantee periods of 3, 5, 6, 8, or 10 years. The initial rate guarantee period is 3, 5, 6, 8, or 10 years. Initial rate subject to change. Surrender charges are in effect for partial withdrawals in excess of the Free Withdrawal Amount or a full surrender before the end of the Guarantee Period. Surrender charges are a percentage of the Accumulation Value, and decline annually: 10, 10, 9, 9, 8, 8, 7, 7, 6, 5%. The Surrender Charge period matches the Guarantee Period. Surrender Charges may vary by state. Product features may vary by state. Contract issued on Contract Form Series ET-MYG-2000(06-09) or ICC13-ET-MYG-2000(07-13). EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC16-ECN-1055

Choice Series and MYGA Rate Adjustments Effective August 5, 2016

American Equity’s Choice Series and MYGA rates will change on August 5, 2016. To receive the current rates, original applications along with cash or 1035/Direct Transfer paperwork must be received in our office by 4:45PM CT on Thursday, August 4, 2016. Transfer funds must be received in our office by 1:00PM CT on Friday, September 2, 2016. Transfer funds received after Friday, September 2, 2016 will receive the new rates as indicated below. NO EXCEPTIONS!

Choice Series Rates:

MYGA Rates:

LIBR Adjustments Effective August 25, 2016

All versions of the Choice Series Lifetime Income Benefit Rider payout factors will be adjusted effective August 25, 2016. Additionally, the Multiplier on the Choice Series Lifetime Income Benefit Rider with Indexing Income Option will increase. To receive current payout factors and the current Multiplier, original applications along with cash or 1035/Direct Transfer paperwork must be received in our office by 4:45PM CST on Wednesday, August 24, 2016. Applications received Thursday, August 25, 2016 and after will receive new payout percentages. NO EXCEPTIONS!

Payout factors will decrease by 25bps for all ages. Please see table below for examples of the new payout percentages for ages 60, 65 and 70.

Choice Series Lifetime Income Benefit with Indexing Income

Thank you for your business and support! Please call Marketing at 888-661-1999 if you have any questions.

*Spread is the same as Asset Fee as described in the Contract. Annuity and Riders issued under form series ICC14 IDX8, ICC13 MYGA, ICC14 R-LIBR, 14 R-LIBR-W,ICC16R-LIBR-IDX and state variations thereof. Availability may vary by state.

FGL Updates FIA Products

Prosperity Elite® Series’ and Safe Income Plus® Enhanced Guaranteed Minimum Withdrawal (EGMWB) roll-up rate. The vesting premium bonus for Prosperity Elite® 10 and Safe Income Plus® will change, as well as cap rates and spreads across our FIA portfolio, with the exception of the FG Retirement Pro^® product. These changes are effective with the August 15, 2016 buy date.

FIA_Product_Updates_8-15-16

Sentinel Security Life Insurance Company

Personal Choice Annuity Rate Adjustment – Effective 07/05/2016

Effective July 5, 2016 our Multi-Year Guarantee Annuity rates for 5, 7, and 10 year products will be decreasing by 10 basis points. To download an updated Annuity Rate Sheet, please click below or you may also download at any time using Sentinel’s Agent Portal.

*Please remember to manually update your annuity software on July 5, 2016.

Important Dates to Remember 

• July 4, 2016: Date applications must be signed to receive current rates. Applications must be signed before or on July 4, 2016 to receive the current crediting rates.
• July 5, 2016: Date when new crediting rates take effect. Any application signed on or after July 5, 2016 will receive the new crediting rates.
• July 11, 2016: Date application must be received in Home Office to receive current rates. Applications signed before or on July 4, 2016 must be received in the Home Office by July 11, 2016 to receive the current crediting rates. We will accept faxed or e-mailed applications on July 11, 2016.

New Business Fax: 888-433-4795

August 19, 2016: Date 45-day rate lock ends. All transfers and exchanges for any application signed on July 4, 2016 or earlier must be completed by August 19, 2016 in order to receive the current crediting rates.

Sentinel Interest Rates rev_7-1-16

For Agent Use Only. Not Intended for Solicitation Purposes or Advertising to the Public.

NACOLA_Rates_7-6-16