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BrokerageTREELast Updated02/09/21INDEXEDAnnuity Product Reference GuideFebruary2021OPEN HERE!Your potential annuitysales await!FEEL THE POWER10.00%PremiumBonus!!!MarketPower Bonus Index from EquiTrust Life Insurance Company 10% Premium Bonus!Premium Bonus Vested Day 15 Index strategies and Fixed Account at 1.15%10% Annual Free Withdrawals After First YearFull Account Value at Death 14 year surrender charge scheduleNursing Home Waiver and Terminal Illness Rider6.00% rollup rate for up to 10 years on OptionalIncome Rider!2 Year Monthly Average Cap at 5.00% (Rates ifIncome Rider Not Elected)Call us today!EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B by A.M. Best Company for its relative financialstrength and ability to meet its obligations to policyholders. Surrender of the policy may be subject to a surrender charge and market value adjustment. Withdrawals may besubject to federal income tax and a 10% IRS penalty prior to age 59 1/2. Withdrawals do not participate in index returns. Product not available in all states. EquiTrust Life Insurance Company, West Des Moines, IA. Contract is issued on Contract Form Series ET-MPP-2000 (02-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05).FOR PRODUCER USE ONLY.AC18-MPP-1123Contact us Today!www.oaktreeus.comChris Simpson, csimpson@otfc.comEarl Reynolds, ereynolds@otfc.comDarrell Mullins, dmullins@otfc.comBrandon Semler, brandon@otfc.com(toll-free) 888-591-1341(local) 276-591-1341(fax) 276-591-1344(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.
APERFECT1010 Year Surrenderwith3.25%-4.50% InterestRate Caps allows captureof market gains withoutmarket risk.1ANNUITYOPTIONS}Guaranteed LifetimeWithdrawal Benefit available with 6.75%2 IncomeAccount Rate.3Waiver of withdrawalcharges for terminal illness,home health care and nursing home benefit. 4SELECT SERIES FIXED INDEXED ANNUITYDuration3-Year 5-Year 7-Year 10-YearFixed Rate 1.30%1.75%1.85%2.15%Cap3.25%4.00%4.10%4.50%1 This policy does not participate directly in any stock or equity investments. The cap is guaranteed for thefirst policy year. Thereafter, the cap may be changed annually by Oxford Life. Effective 01/01/2021 andsubject to change. 2 Rate applies to the first three, five, seven, or ten year policy years based upon rateat issue. 3 The income account value is not available for withdrawal or cash surrender and is only used tocalculate the guaranteed lifetime withdrawal benefit amount. The Guaranteed Lifetime Withdrawal Benefitis available at the time of application for an additional annual fee of 3/4% of the accumulation value of thebase contract. Rider form GLWB210 and state-specific variations where applicable. 4 For eligible qualifyingevent. Not available in all states. Rider form DA520Call us Today!800-842-9124www.oaktreeus.comO-AN1298C4THIS IS A SOLICITATION FOR ANNUITY PRODUCTSEquiTrust Life’sMarket Value Index 4 Index Strategies and a Fixed Account at 2.50% Accumulation Value at Death 2-Year Monthly Average Cap with 10% CAP No Cap option with 28.00% Participation rateFree Withdrawals; 10% after First YearMonthly interest optionNursing Home Waiver(Rates if income Rider Not Elected)BrokerageTREECall us Today for More Details!888-591-1341Market Value EIA, is issued by EquiTrust Life Insurance Company. Subject to availability. Refer to brochure and contract for more details. FOR BROKER USE ONLY.Not for public use. Withdrawals maybe subject to surrender charges, market valueadjustments, and/or federal income tax. A 10% federal income tax penalty mayapply to withdrawals taken before age 59½.
Table of Contents - Company Overviews4INDEXED ANNUITIES5GUARANTEE INCOME RIDER (BENEFIT LIVING) COMPARISON6-8AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 221-12348-9AMERICAN GENERAL LIFE COMPANIES*Policies issued by American General Life and United States Life (NY only)A.M. Best Rating* A (excellent) (888) 438-693318AMERICAN NATIONAL INSURANCE COMPANYA.M. Best Rating A (excellent) (800) 835-532010-12 ATHENE ANNUITY & LIFE ASSURANCE COMPANYA.M. Best Rating A (excellent) (855) 428-4363, option 113ATLANTIC COAST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (844) 442-384714EQUITRUST LIFE INSURANCE COMPANYA.M. Best Rating B (good) (866) 598-369415-16 F&G ANNUITIES AND LIFEA.M. Best Rating A- (good) (800)-445-675817GLOBAL ATLANTIC FINANCIAL GROUPA.M. Best Rating A (excellent) (866) 645-244918-21 GREAT AMERICAN LIFE INSURANCE COMPANYA.M. Best Rating A (superior) (800) 438-3398 x1199921GUGGENHEIM LIFE & ANNUITY COMPANYA.M. Best Rating B (good) (800) 767-774922LINCOLN FINANCIAL GROUPA.M. Best Rating A (superior) (800) 238-625223-24 NASSAU RE COMPANYA.M. Best Rating B (good) 888-794-444725-28 NORTH AMERICAN COMPANY FOR LIFE AND HEALTHA.M. Best Rating A (superior) (877) 586-0242 x3567629OXFORD LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (800) 308-231828SAGICOR LIFE INSURANCE COMPANYA.M. Best Rating A- (excellent) (888) 724-4267 x618030-33 SILAC LIFE INSURANCE COMPANYA.M. Best Rating B (good) (800) 352-512134SYMETRA LIFE INSURANCE COMPANYA.M. Best Rating A (excellent) (888) 802-9989(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 AmericanGeneral Life Insurance Company in terms of insurer financial strength. For currentinsurer financial strength ratings, please consult our Internet Web page, www.americangeneral.com/ratings. See Advertising Disclosures for additional information.3
Indexed AnnuitiesUpdated February 9, 2021BonusCapFixedRateS&P 500ParticipationRateMinimumSurrender ValueSurrenderChargePeriodAmerican Landmark 5Select SeriesRetirement Plus 2.00%100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 87.5%1.00% on 100%5 years5 years5 yearsTeton Bonus 7Strategy Plus - 7Performance Elite - 7Choice Accumulation IIDenali 7MarketSeven 2.20%5.00%4.00%1.25%2.15%1.30%1.05%2.50%2.25%100% First Year100% First Year100% First Year100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 87.5%1.00% on 100%1.00% on 100%1% on 87.5%1% on 87.5%7 years7 years7 years7 years7 years7 yearsPerformance Choice 80.00%3.00%1.40%100% First Year1.00% on 87.5%8 yearsPerformance Elite- 10HighlanderTeton Bonus 10Market Value EIAStrategy Plus - 10Safe ReturnCharter Plus - 10VersaChoiceChoice Accumulation IIMarket 10 BonusRoyal %1.50%2.50%2.25%1.20%1.00%1.15%1.10%1.10%1.30%100% First Year100% First Year100% First Year100% First Year100% First Year100% For Term100% First Year100% First Year100% First Year100% First Year100% First Year1.00% on 87.5%1.00% on 100%1.00% on 87.5%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%1.00% on 100%1.00% on 87.5%10 years10 years10 years10 years10 years10 years10 years10 years10 years10 years10 years2.25%2.50%4.00%1.15%1.10%1.75%100% First Year100% First Year100% First Year2.00% on 87.5%1.00% on 87.5%1.00% on 87.5%14 years14 years14 yearsCompany5 year termGreat American LifeOxford LifeAtlantic Coast Life7 year termSILAC LifeAmerican NationalAthene AnnuityGlobal AtlanticSILAC LifeEquiTrust8 year termNorth American10 year termAthene AnnuityGuggenheimSILAC LifeEquiTrust LifeAmerican NationalGreat American LifeNorth AmericanNorth AmericanGlobal AtlanticEquiTrust LifeOxford Life14 year termEquiTrust LifeNorth AmericanSILAC Life(Lower Band Rates Shown)Product NameMarket Power BonusCharter Plus - 14Teton Bonus 146.00% for 7 yrs0.00%0.00%6.00% for 5yrs8.00%10.00%8.00% for 7 yrs10.00%Cap S&P 1 Year Point to Point with CAP(For Agent Use Only)Not intended for soliciting annuity sales from the public.Rates and Commissions subject to change.Check for current state approvals.4
Guarantee Income Rider (Living Benefit) uityAtlanticCoast LifeAtlanticCoast LifeAtlanticCoast Nassau REOxford LifeLifetimeIncomePlus FlexStrategyPlusIncomeRiderAscentIncomeRiderOption 1ACL 75% for 10years7.20% 10years or4.20% plusinterest for10 years7% incomebase bonus10% Simpleyrs 1-105% Simpleyrs 11-207% for 10yearsPlus anadditional1% in firstyear8.00%5.00%10% IncomeBase Bonus4% Roll UpPlus CreditedRate for 10Years6.50% for 10years7.00% for 7years7.00% for 7yearsPlus a 7%Benefit BaseBonus!5% IncomeBase Bonus,4% roll-up stackingcredits for 10years14.00%SimpleInterest for10 years7.15%annuallyfor first tenpolicy yAnnuallyNoNoNoYes Based onADL’sYes Based onADL’sYes Based onADL’sYes Based %0.95%1.00%1.25%1.25%0.90%0.95%0.95%Roll-up Rate inAccumulation PeriodInterest CreditedIncome W/D Multiplier Confinement Feature(See Contract for Qualifying Confinement Criteria)NoNoYes180 days ofconfinement,Not availablein all statesStart Stop OptionYesYesYes1.00%0.90%0.60% withstacking1.00%1.05%1.25% feeyears 1-5,1.60% feeyears 6-10(10 yearcontract)Increasing Benefit OptionYesNoYesNoNoNoNoNoNoNoNoNoNoGuaranteed Payments drawal Phase WaitingPeriod1 Year and 60year old1 year and 50year oldAge 50Age 55ImmediateImmediate1 Years and50 year old1 Years and50 year old1 Years and50 year old1 Years and50 year old1 Year and 60year oldAge 501 Year and50 year oNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesAll except:NYAll except:CA, NYAll except:NYAll except:NJ, NY, WAAll except:SDAll except:FLAll except:NYAll except:NYAll except:NY, ORAll except:CA, DE, NYAll except:NYSee Page 22All except:AL, NY, VT,WV (MT &CA for 040-8540-7550-800-8050 Rider Charge(calculated annually against the IAV,deducted monthly from AV)Rider Charge RefundAccount Available at DeathJoint Lifetime WithdrawalOption availableState AvailabilityIssue AgesOptionto add 10more yearsavailable!For Agent Use Only.Not for Use with the Public.5
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)CurrentInterestINDEXEDBonus Gold10% PremiumBonus on all 1st yearpremiumsNEWGuaranteedInterestCapPRAsset FeePTS&P 500 Annual Monthly Avg w/PR-14%--S&P 500 Annual Monthly Avg w/Cap2.25%-0%--10%--S&P 500 Annual Pt to Pt w/PRS&P 500 Annual Pt to Pt w/Cap2.25%-0%-Dow Annual Monthly Avg w/Cap2.25%-0%-Dow Annual Pt to Pt w/Cap2.25%-0%-S&P 500 Monthly Pt to Pt w/Cap1.60%---10 Yr. U.S. Treasury Bond w/Cap2.50%-0%-S&P 500 Performance TriggerBond Yield w/CapS&P 500 Dividend Aristocrats DRC 5%---1.75%5.15%-2.00%---4.75%-Minimum GuaranteedInterest:Currently 1.75%MGIR is set at issueand guaranteed forthe life of the contract.80% of 1st yearpremium pluspremium bonusplus 87.5%additional premium,less withdrawalproceeds, at ovisionsMinimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00010% of ContractValue Annually, Starting Yr 2.Systematic W/D &RMD Immediatelyfrom Fixed Value.3Rates Effective as of 02-08-2021SurrenderCharges16 years(20, 19.5, 19, 18.5,18, 17.5, 17, 16, 15,14, 12, 10, 8, 6, 4,2, 0%)DE - 17 yearIssueAgesMVAY YesN NoStates NotAvailableNAK, CA, CT,DE, MN, MT,NV, NY, OH,OK, OR, PA,SC, TX, UT,WA, NJNAK, CA, CT,DE, FL, MN,NV, NY, NJ,OH, OK, OR,PA, SC,TX, UT, WA18-80 Q andNQFL ONLY18-64 Q &NQ75-80 750,000Current Fixed Value Rate 1.30%Retirement Gold8% Premium Bonus on all1st year premiumsIN ( 8% ages 18-73, 5%ages 74-78)CapPRAsset FeePTS&P 500 Annual Monthly Avg w/PR-12%--S&P 500 Annual Monthly Avg w/Cap2.00%----10%--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/Cap1.50%-0%----1.50%4.65%-2.00%---5.25%-S&P 500 Performance TriggerNEWBond Yield w/CapS&P 500 Dividend Aristocrats DRC 5%Minimum GuaranteedInterest:Currently 1.75%MGIR is set at issueand guaranteed forthe life of the contract.87.5% of premiumspaid less withdrawalproceeds, at MGIR,compounded annuallyMinimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,00010% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days10 years(12.5,12,12,11,10,9,8,7,6,4,0%)8% bonus fully vestedafter year 1418-78 Q andNQCurrent Fixed Value Rate 1.15%(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 INVESTMENT LIFE INSURANCE COMPANY (AEI)CurrentInterestINDEXEDIncomeShield 77% Premium Bonus on all1st Year PremiumsCapPRS&P 500 Annual Pt to Pt w/CapIncomeShield 72.75%N/AS&P 500 Annual Pt to Pt w/ PRN/A10%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ Cap4.50%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A7% Premium Bonus on all1st Year PremiumsINCOMESHIELD 10 WITHLIBR7% Premium Bonus on all1st Year PremiumsIncomeShield 10CapPRN/AS&P 500 Monthly Pt to Pt w/ Cap1.50%N/AN/A10%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ Cap2.50%N/AS&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A35%S&P 500 Dividend Aristocrats Daily Risk Control 5%ER Index 2-Year Pt to Pt w/ PRN/A55%S&P 500 Annual Pt to Pt w/ PRMinimum GuaranteedInterest: Currently 1.00%MGIR is set at issue andguaranteed for the life ofthe contract.87.5% of premiums paidless withdrawal proceeds,accumulated at the MGIR,Maximum:50-69 1,500,00070-74 1,000,00075-80 750,000Minimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,000WithdrawalProvisions10% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.10% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.SurrenderChargesIssueAgesMVAY YesN NoStates NotAvailable50-80YCA, NY18-80YCA, NY50-80YCA, NY18-80YCA, NY18-80Y7 yearsIssue Ages 50-80:9.20, 9, 8, 7, 6, 4,2, 0%10 yearsIssue Ages 18-80:9.10, 9, 8, 7, 6, 5, 4,3, 2, 1, 0%Current Fixed Value Rate 1.10%INCOMESHIELD 10 WITH LIBRCapPRS&P 500 Annual Pt to Pt w/Cap1.75%N/AS&P 500 Monthly Pt to Pt w/ Cap1.40%N/AInterest: Currently 1.00%N/A10%MGIR is set at issue andguaranteed for the life ofthe contract.S&P 500 Annual Pt to Pt w/ PRS&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ Cap2.25%N/AS&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A30%S&P 500 Dividend Aristocrats Daily Risk Control 5%ER Index 2-Year Pt to Pt w/ PRN/A45%Minimum Guaranteed87.5% of premiums paidless withdrawal proceeds,accumulated at the MGIR,Current Fixed Value Rate 1.00%Destinations 10Destinations 10PRRRRIRRBofA Destinations IndexTM Annual Point to Point with PR82%N/A43%BofA Destinations IndexTM 2-Year Point to Point with PR116%N/A61%S&P 500 NeXt Monthly Pt to Pt w/ Replacement Rate N/A1.10%N/ACurrent Fixed Value Rate 1.90%Destinations 9(CA ONLY)Minimum: 5,00087.5% of premiums paidless withdrawal proceeds,accumulated at the MGIR,60%1.75%Minimum GuaranteedMGIR is set at issue andguaranteed for the life ofthe contract.N/AS&P 500 Annual Pt to Pt w/CapMinimumPremiumInterest: Currently 1.00%Current Fixed Value Rate 1.70%IncomeShield 10GuaranteedInterestRates Effective as of 02-08-2021Destinations 10PRRRRIRRBofA Destinations IndexTM Annual Point to Point with PR74%N/A36%BofA Destinations IndexTM 2-Year Point to Point with PR106%N/A52%S&P 500 NeXt Monthly Pt to Pt w/ Replacement Rate N/A0.90%N/ACurrent Fixed Value Rate 1.75%(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%MGIR is set at issue andguaranteed for the life ofthe contract.87.5% of premiums paidless withdrawal proceeds,accumulated at the MGIR,Minimum GuaranteedInterest: Currently 1.00%MGIR is set at issue andguaranteed for the life ofthe contract.87.5% of premiums paidless withdrawal proceeds,accumulated at the MGIR,Minimum: 5,000Maximum:50-69 1,500,00070-74 1,000,00075-80 750,000Minimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,000Minimum: 5,000Maximum:18-69 1,500,00070-74 1,000,00075-80 750,00010% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.10% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.10% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.10 yearsIssue Ages 50-80:9.10, 9, 8, 7, 6, 5, 4,3, 2, 1, 0%10 yearsIssue Ages 18-80:9.20, 9, 8, 7, 6, 5, 4,3, 2, 1, 0%9 yearsIssue Ages 18-80:8.25, 8, 7, 6, 5, 4, 3,2, 1, 0%7
AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY (AEI)CurrentInterestINDEXEDAssetShield SeriesAssetShield 55 year, 7 year, and 10 yearoptionsCapPRRRRIRRS&P 500 Annual Pt to Pt w/Cap3.00%N/AN/A1.00%S&P 500 Monthly Pt to Pt w/ Cap1.90%N/AN/A0.50%S&P 500 Annual Pt to Pt w/ PRN/A21%N/A10%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A80%N/A10%S&P 500 NeXt Monthly Pt to Pt w/ Replacement Minimum GuaranteedInterest:Currently 1.00%Minimum: 5,000Rates Effective as of eAgesMVAY YesN NoStates NotAvailable18-85YCA, NYCurrent Fixed Value Rate 1.75%CapPRRRRIRRS&P 500 Annual Pt to Pt w/CapAssetShield 73.25%N/AN/A1.00%S&P 500 Monthly Pt to Pt w/ Cap2.00%N/AN/A0.50%N/A23%N/A10%S&P 500 Annual Pt to Pt w/ PRS&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A85%N/A10%S&P 500 NeXt Monthly Pt to Pt w/ Replacement RateN/AN/A1.20%N/ACapPRRRRIRRS&P 500 Annual Pt to Pt w/Cap3.50%N/AN/A1.00%S&P 500 Monthly Pt to Pt w/ Cap2.10%N/AN/A0.50%S&P 500 Annual Pt to Pt w/ PRN/A25%N/A10%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex Annual Pt to Pt w/ PRN/A90%N/A20%S&P 500 Dividend Aristocrats Daily Risk Control 5% ERIndex 2-Year Pt to Pt w/ PRN/A125%N/A30%S&P 500 NeXt Monthly Pt to Pt w/ Replacement RateN/AN/A1.30%N/ACurrent Fixed Value Rate 1.90%AssetShield 10*Call for California rates*MGIR is set at issueand guaranteed forthe life of the contract.Minimum GuaranteedSurrender Value:87.5% of premiumspaid, less withdrawalproceeds,accumulated at theMGIR.Maximum:18-69 1,500,00070-74 1,000,00075-80 750,00081-85 500,00010% of ContractValue Annually,Starting Yr 2. Systematic Withdrawalof interest onlyfrom the FixedValue, availableafter 30 days.Riders:ICC19 R-NCRICC19 R-TIRICC16 R-MVAICC18 R-WSC18-85: 9.20, 9, 8,7, 6, 0% (5 yrs.)18-85: 9.20, 9,8, 7, 6, 4, 2, 0%(7 yrs.)18-80: 9.20, 9, 8,7, 6, 5, 4, 3, 2, 1,0% (10 yrs.)Current Fixed Value Rate 2.00%AMERICAN GENERAL LIFE COMPANIES (AGLC)CurrentInterestINDEXEDPower 5 ProtectorS&P 500 Annual P-t-P CapGuaranteedInterest 100K 100K4.30%3.10%S&P 500 Annual P-t-P Par.18.00%14.00%S&P 500 5-Year P-t-P Cap25.00%17.50%Russell 2000 Annual P-t-P3.50%2.60%MSCI EAFE Index Annual P-t-P3.50%2.70%PIMCO Global Optima Index 1 Year P-t-P Par.42.00%30.00%ML Strategic Balanced Index Annual P-t-P Par.77.00%57.00%AQR DynamiQ Allocation Index Annual PTP w Spread90%72%AQR DynamiQ Allocation
EquiTrust may modify or discontinue the additional premium bonus at any time. EquiTrust Life Insurance Company is rated B by A.M. Best Company for its relative financial . 21 GUGGENHEIM LIFE & ANNUITY COMPANY A.M. Best Rating B (good) (800) 767-7749 22 LINCOLN FINANCIAL GROUP A.M. Best Rating
