Product Center - Annuity Advisors

September 06, 2010

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Product Center - Multi-Year Guarantee Annuities

Multi-Year Guarantee	Fixed Indexed	Traditional	Immediate

Company	OMFN
Plan Name	OM Platinum 3
AM Best Rating	B++
1st Year Rate	2.20%
Rate Thereafter	2.20%
Guarantee Period	3 years
Avg. Annual Yield	2.20%
Minimum Premium	$5,000.00 ($2,000 Qualified)
Flexible/Single Premium	Single
Minimum Additions	N/A
Max Issue Age	90 Qualified 90 Non-Qualified
Free Withdrawals	Accumulated Interest
Surrender Schedule	9 %, 8 %, 7 %, 0 %
Market Value Adjustment	Yes
Action at end of guarantee	Remove, Renew, Rollover (30 Day Window)
Return of Principal Guarantee	No
Waiver Options	Nursing Home, Terminal Illness, Unemployment
Annual Fees	N/A
States NOT approved	MN, NY, OR, WA
Days held on Transfers	60
Interest Rate History on New Premiums	8/25/2008 - 5.00% 10/1/2008 - 4.60% 11/1/2008 - 3.90% 12/1/2008 - 3.50% 2/1/2009 - 3.00% 6/1/2009 - 2.25% 7/1/2009 - 1.80% 1/1/2010 - 1.70% 2/1/2010 - 2.70% 3/1/2010 - 2.50% 4/1/2010 - 2.25% 6/23/2010 - 2.50% 8/1/2010 - 2.25% 9/1/2010 - 2.20%

Commission*

1.50% (0 - 79)
0.75% (80 - 90)

*Commission may vary depending on payout option, premium amount, state, age, and type of policy.

Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals, issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or premium. All information is meant as a representation, not an advertisement or warrantee. Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales presentations. Each company/product may have state specific requirements where approved.

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