Interest rate trends on fixed annuities

Normal Annuity Range

ALL Annuities in Index

Number

of
Companies

Number of
Annuities

Lowest
Rate

Low
Norm

Average
Rate

High
Norm

Highest
Rate

Standard
Deviation

8/10/2009

71

689

0.58%

2.15%

4.31%

6.47%

14.61%

2.16%

7/13/2009

71

721

0.76%

2.30%

4.43%

6.56%

14.61%

2.13%

2/9/2009

72

797

1.85%

3.07%

5.12%

7.17%

14.61%

2.05%

8/11/2008

75

754

2.00%

3.47%

5.42%

7.38%

14.55%

1.96%

Note: Rate includes “Non-Forfeitable” first year interest bonus.

“CD” type annuities: Average rates for length of guarantee period

Years

1

2

3

4

5

6

7

8

9

10

8/10/09

1.42%

1.73%

2.50%

2.84%

3.10%

3.13%

3.36%

3.63%

3.79%

4.05%

7/13/09

1.75%

1.79%

2.55%

3.02%

3.29%

3.30%

3.46%

3.79%

3.90%

4.11%

2/09/09

3.10%

3.04%

3.39%

3.88%

4.00%

3.99%

4.16%

4.42%

4.30%

4.48%

8/11/08

3.40%

3.42%

4.01%

4.34%

4.44%

4.56%

4.64%

4.84%

4.85%

4.99%

Source: Fisher Annuity Index, Dallas

Data as of 8/10/2009