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    • Loyal American Life


    Loyal Outlook

       (RETIRED)

    A Fixed Indexed Annuity with a 5-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Fitch:  AA   Standard & Poor's:  A  

    Rates
      Current Rates
    xx/xx/xxxx    		 Guaranteed
    Minimum Values
       Cap Spread Part Rate Cap Spread Part Rate
    S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
    S&P 500 Daily Averaging   ***    ***   ***    ***   ***   *** 
    S&P 500 Monthly Averaging   ***    ***   ***    ***   ***   *** 
    S&P 500 Monthly Averaging w/ No Cap   ***    ***   ***    ***   ***   *** 
    Declared Rate   (Rate guaranteed for 1 Year) *.** % *.** %
    Purchase Payment Account   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    A flexible premium Fixed-Indexed Annuity which provides 6 interest accounts including 1 Purchase Payment Account, 1 Declared Rate Account, and 4 Indexed Accounts.
    --[ subscription required to view full text ]--
    * ******** ******* *****-******* ******* ***** ******** * ******** ******** ********* * ******** ******* *******, * ******** **** *******, *** * ******* ********.

    ******** ********
    **** ******* ******* ******** ******** ******** *** ***-*********, ***<*), *********** ***, ****** ***, *** *** *** **** *****. ***** **** *** * ****** ** *** **** *** *** ***** **** ** *** *** *** **** ** **** *****. ******** ******** ******** ***** ** *** ********* ** * **** **** ** **** ** * ******* ******* (******** ** ** * ******** ******* ******* ** *** ********) ***** *** ********* ** **** ****.

      *******: ******* ******** ******* $**,***
      ********** ******** ********: *,***(*********); $*,***(***-*********)
      *******: $***,*** *** **** *-**, $***,*** *** **** **+ ******* ***** **** ****** ********.

    ******** *****

    • ******** ******* ******* ******** ****: ******** ** ******** ***** ** ******* **** ** * ******* ******* (******** ** ** * ******** ******* ******* ** *** ********) ***** ** *** ********** ******** *****. **** ******** **** **** *** ****** ****** *** ********'* **** *** ** ********** ** ** ** ***** ***** ** *** ********** ******* ******** ******** ****. ******* ***** *** **** ** *****; ****** ***** ** *** ******* ******** **** ***** ** ***** ****** ** ***.*****.***.

    • ******** ******** ****: ******** ** ******** ***** ** ******* **** ***** * ******** **** ******** ***** ** *** ********** ******** ******** ****. *** ******* ******** ******** **** **** *** ****** ****** *** ********'* **** *** ** ********** ** ***** ** ***** *** ********** ******* ******** ******** **** *** *** ********** *****. ******* ******** ******** ***** *** ********** ******* ******** ******** **** *** **** ** *****; ****** ***** ** *** ******* ******** **** ***** ** ***** ****** ** ***.*****.***.
    • ******* ******** ****: *** ******* ******** **** ** **********, ** ****, ** *** ****** ** *** *&* ****, *** ** ******** **** ** *** **** *** ** **** ****. *** ******* ******** **** ******* *** ********* ********* ******* ********** ** ** *******:
      ******* ******** ****:(***** ******-***** ******) * ************* ****, ** ** * *** (** ***).
      ***** ******: *** ****** ** ****** ** *** *&* **** * ****. ** *** ******* ******* **********, *** ***** ****** ** ******** ***** **** ****** ** ** ****** *****-**-*****, ***** ********* ** ******* ********* ******.

      **** *** ****** *****-**-***** ******, *** ***** ****** ** *** ********** ** ***** *** ******* *&* *** ***** ** *** **** *** ** *** ******'* **** ******* *** ******* *&* *** ***** ** *** ***** *** ** *** ********'* ****.

      ********* ******** *** ***** ****** ** *********** *** ********** ** ***** *** ******* ***** ** *** *&* *** (******* ***** ***** ** ******* ******* *****) ******* *** ***** ** *** *&* *** ***** ** *** ******** ** *** ****.

      ***** ******: * ********** **** *** ** ********** **** *** ***** ****** **** ********* *** ******* ******** ****.
      ************* ****: * ********** ** ***** ****** ******* **** *********** *** ******* ******** ****.
      ***: * ********** ** *** ******* ******* ******** **** **** *** ** ********.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    PA --[ subscription required to view full text ]--
    ** - *** ********* *** *** ***** **** ** *** **** ****** *** **** ********, *** ********* *** *** ** *******. ****** ****: ******** **** ******* *** ****** ******* ** ************* *** **** ** *****.

    Commissions
    Effective date of commission schedule: 02/01/2008
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    Loyal Outlook
    		Up to age 75 Year 1 Year 2 Year 3 Year 4
    Renewal Premiums: **** **** **** ****
    Ages 76-80 Year 1 Year 2 Year 3 Year 4
    Renewal Premiums: **** **** **** ****
    Ages 81-85 Year 1 Year 2 Year 3 Year 4
    Renewal Premiums: **** **** **** ****

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