Last Updated 2018 April INDEXED Annuity Product Reference .

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Last Updated04/11/18Capmar Insurance ServicesPhone: 919-488-7132INDEXEDAnnuity Product Reference Guide2018AprilOPEN HERE!Your potential annuitysales await!Don’t Miss Out on the Annuity Income Opportunity of 2018!HIGHLANDERTM Fixed Indexed AnnuityFrom20 YearRoll-Up!REACH NEW HEIGHTSwith yourANNUITY SALESCheck out thesefeatures!Contact us Today!CAPMAR3319 Heritage Trade Dr. Suite 101Wake Forest, NC 27587www.capmar.comLifetime Withdrawal Rider 10% Benefit Base Bonus on all first-year premium 4% Guaranteed Roll-up Stacking Credits for 20 years! Benefit base continues to roll-up even after income hasstarted! 0.90% Annual Rider Charge RateGuggenheim Highlander Product Facts 4.00% Premium Bonus1 Issue ages: 0-80 Minimum Premium: 5,000 Qualified, 10,000 NonQualified 10-Year Surrender Charge Period1. Please refer to the Premium Bonus Rider for contract limitations including Recapture.For Agent Use Only, not intended for solicitation purposes. Guggenheim Life and Annuity Company, DBA Guggenheim Life and Annuity Insurance Company in California, whose office is inIndianapolis, Indiana, issues the Highlander Fixed Indexed Annuity. Check website for more disclaimer details.HFIA011705phone: 919-488-7132fax: 919-488-7101(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.

Table of Contents - Company Overviews3INDEXED ANNUITIES4GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON5GUARANTEE INCOME RIDER INCOME PAYOUT PERCENTAGE COMPARISON6-7AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 221-12348AMERICAN GENERAL LIFE COMPANIES*Policies issued by American General Life and United States Life (NY only)A.M. Best Rating* A (excellent) (888) 438-693313AMERICAN NATIONAL INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 835-53209-10ATHENE ANNUITY & LIFE ASSURANCE COMPANYA.M. Best Rating A (excellent) (855) 428-4363, option 111-12 EQUITRUST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (866) 598-369413-14 GREAT AMERICAN LIFE INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 438-3398 x1199916GUGGENHEIM LIFE & ANNUITY COMPANYA.M. Best Rating B (good) (800) 767-774915LINCOLN FINANCIAL GROUPA.M. Best Rating A (superior) (800) 238-625217-20 NORTH AMERICAN COMPANY FOR LIFE AND HEALTHA.M. Best Rating A (superior) (877) 586-0242 x3567621OXFORD LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (800) 308-231822PROTECTIVE LIFE INSURANCE COMPANYA.M. Best Rating A (superior) (800) 421-561416SAGICOR LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 724-4267 x6180(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.*The most prominent independent ratings agencies continue to recognize American General Life Insurance Company in terms of insurerfinancial strength. For current insurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings.See Advertising Disclosures for additional information.2

Indexed AnnuitiesBonusDesignCapFixedRateS&P 500ParticipationRateMinimumSurrender ValueSurrenderChargePeriodProtective Index Annuity IIAmerican Landmark 50.00%0.00%213.95%5.50%1.70%2.40%100% First Year100% First Year1.00% on 100%1.00% on 87.5%5 years5 yearsProtective Asset Builder0.00%24.05%1.65%100% First Year1.00% on 100%6 yearsAmerican Legend IIIStrategy Plus - 7Protective Index Annuity 100% First Year100% First Year100% First Year1.00% on 100%1.00% on 87.5%1.00% on 100%7 years7 years7 years4.00% for 5yrs0.00%423.60%mo4.30%1.50%1.90%100% First Year100% First Year1.00% on 87.5%1.00% on 100%8 years8 yearsMarket BoosterSage Select - 97.00%4.00%511.25%mo4.00%1.65%2.00%100% First Year100% First Year2.00% on 87.5%3.00% on 87.5%9 years9 yearsPerformance Elite- 10HighlanderProtective Index Annuity IIMarket Value EIAStrategy Plus - 10Safe ReturnCharter Plus - 10DynaMARCMarket 10 Bonus4.00%4.00%0.00%0.00%1.00%0.00%6.00% for oNo 00%100% First Year100% First Year100% First Year100% First Year100% First Year100% For Term100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 100%1.00% on 100%2.00% on 87.5%1.00% on 87.5%1.00% on 100%1.00% on 87.5%1.00% on 100%1.00% on 100%10 years10 years10 years10 years10 years10 years10 years10 years10 yearsPerformance 12 Plus7.00% for 5yrs23.75%1.65%100% For Term1.00% on 87.5%12 yearsRetire Choice - 14Market Power BonusCharter Plus - 14Market 12 Bonus3.00% for 0% First Year100% First Year100% First Year100% First Year1.00% on 87.5%2.00% on 87.5%1.00% on 87.5%2.00% on 87.5%14 years14 years14 years14 yearsCompany5 year termProtective LifeGreat American Life6 year termProtective Life7 year termGreat American LifeAmerican NationalProtective Life8 year termNorth AmericanProtective Life9 year termEquiTrust LifeSagicor Life10 year termAthene AnnuityGuggenheimProtective LifeEquiTrust LifeAmerican NationalGreat American LifeNorth AmericanEquiTrust LifeEquiTrust Life12 year termNorth American14 year termNorth AmericanEquiTrust LifeNorth AmericanEquiTrust Life(Lower Band Rates Shown)Product NamePerformance 8 PlusProtective Asset Builder(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.7.00% for 7 yrs0.00%10.00%10.00% for 7 yrs12.00%(A) 6.00% day 1, 2.00% 1st anniversary yr., 2.00% 2nd anniversary yr.,2.00% 3rd Anniversary Yr.(B) 4.00% year 1, 2.00% 1st anniversary yr., 1.00% 2nd anniversary yr.31 Monthly Average Annual Reset 2 Annual Point to Point Reset 3 Point to Point 4 Monthly Point to Point Annual Reset 5 Monthly CapAnnual Reset 6 High Water Rolling for Monthly Term7 2 year Monthly Average8 Trigger Point 9 18 Monthly Average*RATES AND COMMISSIONS SUBJECT TO CHANGE. CHECK INDIVIDUALCOMMISSION SCHEDULES FOR GUARANTEED ACCURACY AND DESCRIPTIONS !!!* Call for state approvals.

Guarantee Income Rider (Living Benefit) ricanOxford centIncomeRiderOption 1EnhancedBenefitRiderAscentIncomeRiderOption 2Income thdrawalRiderLincolnLifetimeIncomeEdgeIncome PayPlusGLWBSecure PaySE7.00% Simplefor 10 years7.20% 10years or4.20% plusinterest for10 years15% incomebase bonus10% Simpleyrs 1-105% Simpleyrs 11-207.00% simpleyears 1-105.00% simpleyears 11 6.00% for 10years(10% Bonus)4.00% PlusStacking Annually7% SimpleInterest for 10years10% IncomeBase Bonus,4% roll-up stackingcredits for 20yearsStep-upBenefitfactor*5% minimumfor 10 years6.00% for 10years6.75% annually for fistten policyyears7.00% simplefor 10 10% ofIncome BaseAnnuallyCheck StateAvailabilityYes(whereavailable)YesNoRoll-up Rate inAccumulation PeriodInterest CreditedIncome W/D Multiplier Confinement FeatureAnnually10% Incomebase bonus8.00% Simpleyears 1-104% yrs 11-20Par rate 200%Annually(See Contract for Qualifying Confinement Criteria)NoNoNo1.5 xwithdrawalbenefitStart Stop .05%0.95%0.85%Increasing Benefit OptionYesNoYesYesYesNoNoNoNoNoYesNoNoGuaranteed Payments forLifeYesYesYesYesYesYesYesYesYesYesYesYesYes1 Year and 60year old1 year and 50year oldAge 501 Year andAge 50Age 502 Years and50 year old1 Years and50 year old55 year old1 Year and 55year oldAge 501 Year and50 year old1 Year and50 year oldimmediatelyand 60 yearoldNoNoNoAsk about“True Up”NoNoNoYesNoNoNoNoNoNoNoNoYes if takenover 5 sYesYesYesYesAll except:CT, IL, NJ,MD, OR, VT,WAAll except:IL, IA, MD,MA, NJ, NY,OR, PAAll except:CA, CT, HI, IL,NY, WAAll except:AK, CT, DE,FL, HI, MN,NJ, NV, NY,OK, OR, PA,UT, WAAll except:NJ, NY, WAAll except:NYAll except:MS, NH, NM,NY, OR, VTAll except:NY, WAAll except:NYAll except:NYAll except:NYAll except:AL, NY, VT,WV (MT &CA for someproducts)All except:WA, NY50-7540-8040-8030-8040-80See basecontract0-8040-8545-8035-8550 55-85Rider Charge(calculated annually against the IAV,deducted monthly from AV)Withdrawal Phase WaitingPeriodRider Charge RefundAccount Available at DeathJoint Lifetime WithdrawalOption availableState AvailabilityIssue AgesFor Agent Use Only.Not for Use with the Public.*BonusAscent Proproductsonly, othervariationsavailable4

Guarantee Income Rider Income Payout Percentage ComparisonGreat AmericanGreat AmericanIncome Sustainer**Income Sustainer Plus*American Custom - 10Income percentageenhancement for Simple IncomeOptionAGESingle 2737475767778798081828384858687888990 7.00%7.10%7.20%7.30%7.40%7.50%Contractyear ofbenefitstart dateAdditionalpercentageadded to incomepercentage fromtable to the 0-8990 yNorthAmericanEquiTrust LifeLifetime***Income PlusGLWB**EnhancedGLWB**Enhanced BenefitRiderIncome Edge PlusIncome PayPlus1*Inc. for 60-6465-6985-89Strategic Income OptionSingle LifetimeBenefitAtheneAnnuityAGEEquiTrust LifeAgeAmericanGeneral90 1. LPP increases .10 for each age from ncoln Financial GroupLincoln Lifetime Income EdgeAt least 5,Less thanAt leastbut less than5 years*10 years*10 %14.75% 15.25% 15.75% 16.25% 16.75% 17.25% 17.75% 14.75% 25.25% 25.75% 26.25% 26.75% 27.25% 27.75% 28.25% 2Protective Life Secure Pay SEGuaranteed Maximum WithdrawalPercentagesOneTwo 80-8485 6.00%6.50%* Joint life payout is 0.50% lower and based on the younger age. ** Joint life payout is1.00% lower and based on the younger age. *** Joint life payout is 0.50% lower andbased on the coverage age of spouses, rounded down. There is a minimum 50,000contribution.1 0.25% lower for Opti-Point. 2 0.40% lower for Opti-Point.Inheritance Enhancer DEATH BENEFIT RIDERFor Agent Use Only. Not for Use with the Public.Issue ageRollupRollup periodDeath Benefit payout optionsFee50-859% simple interest10 yearsLump sum or annuitzation0.85% of death benefit base, deducted from account value. Refund orrider charges available in first 5 years. Rider charges refunded if theinsured dies during the first five years or the non-insured joint owner diesat any time.5

AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)CurrentInterestINDEXEDBonus Gold10% PremiumBonus on all 1st yearpremiumsNEWGuaranteedInterestCapPRAsset FeeS&P 500 Annual Monthly Avg w/PR-25%--S&P 500 Annual Monthly Avg w/Cap2.25%-0%--15%--S&P 500 Annual Pt to Pt w/PRS&P 500 Annual Pt to Pt w/Cap2.25%-0%-2.25%-0%-Dow Annual Pt to Pt w/Cap2.25%-0%-S&P 500 Monthly Pt to Pt w/Cap1.20%---10 Yr. U.S. Treasury Bond w/Cap2.25%-0%2.00%S&P 500 Performance TriggerVolatility Control IndexWithdrawalProvisionsSurrenderChargesMVAY YesN NoStates NotAvailableNAK, CA, CT,DE, MN, MT,NJ, NV, NY,OH, OK, OR,PA, TX, UT, WA18-78 Q andNQNAK, CA, CT,DE, FL, MD,MN, NJ, NV,NY, OH, OK,OR, PA, SC,TX, UT, WA18-80 Q andNQNCA, NYIssueAgesPTDow Annual Monthly Avg w/CapBond Yield m GuaranteedInterest:Currently 1.00%80% of 1st year premium plus premiumbonus plus 87.5% additional premium, lesswithdrawal proceeds,at MGIR, compounded annually.Minimum: 10,000Maximum:18-69 1,500,00070-74 1,000,00010% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed Value.316 years(20, 19.5, 19, 18.5,18, 17.5, 17, 16, 15,14, 12, 10, 8, 6, 4,2, 0%)DE - 17 year18-80 Q andNQFL ONLY18-64 Q &NQ75-80 750,000Current Fixed Value Rate 1.15%, DE 2.25%Retirement Gold8% Premium Bonus on all1st year premiumsIN ( 8% ages 18-73, 5%ages 74-78)CapPRAsset FeeS&P 500 Annual Monthly Avg w/PR-25%--S&P 500 Annual Monthly Avg w/Cap2.00%----15%--S&P 500 Annual Pt to Pt w/PRS&P 500 Annual Pt to Pt w/Cap2.00%---S&P 500 Monthly Pt to Pt w/Cap1.00%-0%----1.75%S&P 500 Performance TriggerNEWBond Yield w/CapVolatility Control Index4.65%-2.00%---4.00%-PTMinimum GuaranteedInterest:Currently 1.00%Minimum GuaranteedSurrender Value:87.5% of premiumspaid less withdrawalproceeds, at MGIR,compounded annuallyMinimum: 10,000Maximum:18-69 1,500,00070-74 1,000,00010% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed10 years(12.5,12,12,11,10,9,8,7,6,4,0%)8% bonus fully vestedafter year 1475-80 750,000Current Fixed Value Rate 1.00%Foundation Gold7% Premium Bonus on all1st year premiumsNEWCapPRAsset FeeS&P 500 Annual Monthly Avg w/PR-30%--S&P 500 Annual Monthly Avg w/Cap2.50%---S&P 500 Annual Pt to Pt w/PR-20%--S&P 500 Annual Pt to Pt w/Cap2.50%---S&P 500 Monthly Pt to Pt w/Cap1.30%---10 Yr. U.S. Treasury Bond w/CapS&P 500 Performance TriggerBond Yield w/CapVolatility Control Index2.50%------2.25%5.65%-2.00%---3.50%-Minimum GuaranteedInterest:Currently 1.00%Minimum GuaranteedSurrender Value:87.5% of premiumspaid less withdrawalproceeds, at MGIR,compounded annuallyMinimum: 10,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,0005% of ContractValue Annually, Starting Yr2. Cumulativewithdrawal optionsavailable. Systematic W/D & RMDImmediately fromFixed Value.310 years(9, 8.25, 7.25, 6.25,5.25, 4.25, 3.25, 2.25,1, 0.5, 0%)Current Fixed Value Rate 1.30%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.6

AMERICAN EQUITY IVESTMENT LIFE INSURANCE COMPANY (AEI)CurrentInterestINDEXEDBenefit GoldNEWA Guaranteed 5% PremiumBonus on all 1st yearPremiumsGuaranteedInterestCapPRSpreadS&P 500 Annual Monthly Avg w/PR2.00%-0%-S&P 500 Annual Pt to Pt w/Cap2.00%-0%-S&P 500 Monthly Pt to Pt w/Cap1.00%-0%-2.00%-0%-S&P 500 Monthly Avg w/PR-25%--S&P 500 Annual Pt to Pt w/PR-15%--4.65%-2.00%----1.75%--4.00%-PTBond Yield w/Cap & SpreadVolatility Control MVAY YesN NoStates NotAvailableNOnly Availablein:AK, CT, MN,NJ, NV, OH,OK, OR, PA,TX, UT, WANNYNAK, CA, CT,DE, FL, MN,NJ, NV, NY,OH, OK, OR,PA, TX, UT, WAPT10 Yr. U.S. Treasury Bond w/CapS&P 500 Performance TriggerMinimumPremiumMinimum GuaranteedInterest:Currently 1.00%Minimum GuaranteedSurrender Value:87.5% of premiumspaid less withdrawalproceeds, at MGIR,compounded annuallyMinimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00010% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed Value.10 years(13.5, 12.25, 11, 9,7.5, 8.25, 7, 6, 5, 4,2.5, 1, 0%)18-80 Q andNQ75-80 750,000Current Fixed Value Rate 1.00%Choice Series6 year, 8 year, and 10 yearoptions(Optional MVA Rider Available)NEWCapPRAsset FeeS&P 500 Annual Pt to Pt w/PRChoice 6-40%--S&P 500 Annual Pt to Pt w/Cap4.50%---S&P 500 Monthly Pt to Pt w/Cap1.50%-----1.75%-Volatility Control IndexCurrent Fixed Value Rate 1.80%Choice 8CapPRAsset FeePTS&P 500 Annual Pt to Pt w/PR-45%--S&P 500 Annual Pt to Pt w/Cap4.75%---S&P 500 Monthly Pt to Pt w/Cap1.60%-----1.50%-Asset FeePTVolatility Control IndexCurrent Fixed Value Rate 1.90%Choice 10CapPRS&P 500 Annual Pt to Pt w/PR-47%--S&P 500 Annual Pt to Pt w/Cap4.75%---S&P 500 Monthly Pt to Pt w/Cap1.70%-----1.25%-PTVolatility Control IndexMinimum GuaranteedInterest:Currently 1.00%Minimum GuaranteedSurrender Value:90% of premiumspaid, less withdrawalproceeds, at MGIR,compounded annuallyMinimum: 10,000Maximum:18-69 1,500,00070-74 1,000,0009.20, 8.00, 7.00, 5.50,4.00, 2.50, 0% (6 yrs.)10% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed Value.375-80 750,0009.20, 8.25, 7.25, 6.50,5.50, 4.50, 3.50, 2.50,0% (8 yrs.)9.20, 8.25, 7.25, 6.50,5.50, 4.50, 3.50,2.50, 1.50, 0.50, 0%(10 yrs.)Choice 618-85Choice 818-85Choice 1018-80 Q andNQCurrent Fixed Value Rate 2.00%Advantage GoldNEWCapPRAsset FeeS&P 500 Annual Monthly Avg w/PR-25%--S&P 500 Annual Monthly Avg w/Cap2.00%-0%-S&P 500 Annual Pt to Pt w/PR-15%--S&P 500 Annual Pt to Pt w/Cap2.00%-0%-S&P 500 Monthly Pt to Pt w/Cap1.00%---10 Yr. U.S. Treasury Bond w/Cap2.00%-0%-S&P 500 Performance TriggerBond Yield w/CapVolatility Control Index---1.75%4.65%-2.00%---4.00%-Current Fixed Value Rate 1.05%(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change. Check for current state approvals.Minimum GuaranteedInterest:Currently 1.00%Minimum GuaranteedSurrender Value:84% of 1st year premium plus premiumbonus plus 87.5% additional premium, lesswithdrawal proceeds,at MGIR, compounded annually.Minimum: 10,000Maximum:18-69 1,500,00070-74 1,000,00010% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed Value.310 years(16, 15, 14, 13, 11.5,10, 8.5, 7, 5.5, 4, 0%)18-80Q and NQ75-80 750,0007

AMERICAN GENERAL LIFE COMPANIES (AGLC)INDEXEDAG Power Protector - 7AnnuityCurrentInterestPREMIUMS UNDER 100,000Fixed account: 1.75%Participation rate: 100%Annual Pt - to - Pt Cap: 4.20%Annual Pt - to - Pt Spread: 2.75%PIMCO 2yr Pt-to-Pt Spread: 4.20%2 yr Pt - to- Pt Spread: 1.35%PREMIUMS OVER 100,000Fixed account: 1.75%Participation rate: 100%Annual Pt - to - Pt Cap: 5.25%Annual Pt - to - Pt Spread: 1.55%PIMCO 2yr Pt-to-Pt Spread: 2.95%2 yr Pt - to- Pt Spread: 0.35%AG Power Protector - 7Plus AnnuityNEWPREMIUMS UNDER 100,000Fixed account: 1.40%Participation rate: 100%Annual Pt - to - Pt Cap: 2.50%Annual Pt - to - Pt Spread: 3.60%PIMCO 2yr Pt-to-Pt Spread: 4.95%2 yr Pt - to- Pt Spread: 2.10%PREMIUMS OVER 100,000Fixed account: 1.40%Participation rate: 100%Annual Pt - to - Pt Cap: 3.15%Annual Pt - to - Pt Spread: 2.50%PIMCO 2yr Pt-to-Pt Spread: 4.45%2 yr Pt - to- Pt Spread: 1.45%AG Power Protector - 10AnnuityPREMIUMS UNDER 100,000Fixed account: 1.90%Participation rate: 100%Annual Pt - to - Pt Cap: 4.25%Annual Pt - to - Pt Spread: 2.65%PIMCO 2yr Pt-to-Pt Spread: 4.20%2 yr Pt - to- Pt Spread: 1.25%PREMIUMS OVER 100,000Fixed account: 1.90%Participation rate: 100%Annual Pt - to - Pt Cap: 5.25%Annual Pt - to - Pt Spread: 1.25%PIMCO 2yr Pt-to-Pt Spread: 2.90%2 yr Pt - to- Pt Spread: visionsSurrenderChargesIssueAgesMVAY YesN NoStates NotAvailable1.00% on87.5%of premium 25,000Q & NQFree withdrawals: After the first contract year, you can take out up to 10% of your contractvalue without incurring any withdrawal charges or MVA. These riders may not be availablein all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. No Guaranteed Living Benefit Rider is available.7 years(8,7,6,5,4,3,2)0-85Q & NQYNY1.00% on87.5%of premium 25,000Q & NQFree withdrawals: After the first contract year, you can take out up to 10% of your contractvalue without incurring any withdrawal charges or MVA. These riders may not be availablein all states. Please see your agent and refer to the Owner Acknowledgment and Disclosure Statement for more info. Guaranteed Living Benefit Rider is available.7 years(8,

A.M. Best Rating A (excellent) (855) 428-4363, option 1 11-12 EQUITRUST LIFE INSURANCE COMPANY A.M. Best Rating B (good) (866) 598-3694 13-14 GREAT AMERICAN LIFE INSURANCE COMPANY A.M. Best Rating A (excellent) (800) 438-3398 x11999 16 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best