<products detail_level="PHASE2_LEVEL_02"><product prod_id="1050" age="" state="AL" ann_type="Blended Index" prem_type="0" prem_amount="0" qual_nonqual="0" surr_len="0"><prod_comp_info><prod_productid>1050</prod_productid><prod_descr>The Allianz 360 is a limited flexible premium deferred index annuity. The minimum single premium is $20,000 for qualified and non-qualified money. Additional contributions can be made for $25 or more during the first three policy years only. 10% of the paid premium may be withdrawn after the first contract year. Surrender charges are ten years in duration, vary by state, and are waived in the event of annuitization, death, or entrance into a nursing home. The Flexible Annuity Option Rider allows</prod_descr><prod_firstperiod>20</prod_firstperiod><prod_guarprin>false</prod_guarprin><prod_name>Allianz 360</prod_name><prod_typeid>1</prod_typeid><prod_winaftsurr>0</prod_winaftsurr><comp_address>5701 Golden Hills Drive</comp_address><comp_bestid>A</comp_bestid><comp_name>Allianz Life Insurance Company of North America</comp_name><comp_company_na>Allianz Life Insurance Company of North America</comp_company_na><comp_moodyid>A2</comp_moodyid><comp_s_pid>AA</comp_s_pid><comp_weissid /><comp_www_url>http://www.allianzlife.com/</comp_www_url><comp_naic>90611</comp_naic><vs_companyname>Allianz Life Ins Co N America</vs_companyname><vs_fullcompanyname>Allianz Life Ins Co N America</vs_fullcompanyname><vs_state>MN</vs_state><vs_naiccode>90611</vs_naiccode><vs_groupname>Allianz Life Insurance Group</vs_groupname><vs_yearestablished>1979</vs_yearestablished><vs_address>5701 Golden Hills Drive</vs_address><vs_citystatezip>Minneapolis MN 55416-1297</vs_citystatezip><vs_phone>763-765-6500</vs_phone><vs_webaddress>www.allianzlife.com</vs_webaddress><vs_companytype>Stock</vs_companytype><vs_comdex>87</vs_comdex><vs_ambest>A</vs_ambest><vs_sandp>AA</vs_sandp><vs_sandpwatch /><vs_moodys>A2</vs_moodys><vs_weiss>C+</vs_weiss><vs_totalassets>89741961523</vs_totalassets><vs_liabilities>84748833979</vs_liabilities><vs_surplus>5285058296</vs_surplus><vs_fiveyearyields>0.05524</vs_fiveyearyields><_PremiumType>1</_PremiumType><states_states>AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY</states_states></prod_comp_info><age_info><prod_productid>1050</prod_productid><age_mxoq>80.00</age_mxoq><age_mxonq>80.00</age_mxonq><age_minoq>0.00</age_minoq><age_mxanq>80.00</age_mxanq><age_mxaq>80.00</age_mxaq><age_minanq>0.00</age_minanq><age_minaq>0.00</age_minaq><age_minonq>0.00</age_minonq><age_des_mxonq /><age_des_mxoq /><age_des_mxanq /><age_des_mxaq /><age_des_minaq /><age_des_minonq /><age_des_minoq /><age_des_minanq /><_AgeMinQ>0.00</_AgeMinQ><_AgeMinNQ>0.00</_AgeMinNQ><_AgeMaxQ>80.00</_AgeMaxQ><_AgeMaxNQ>80.00</_AgeMaxNQ></age_info><contribution_info><cont_tsa403b>true</cont_tsa403b><cont_sepira>true</cont_sepira><cont_spira>true</cont_spira><cont_trmlfund>false</cont_trmlfund><cont_other>false</cont_other><cont_pension>true</cont_pension><cont_profsh>true</cont_profsh><cont_iratr>true</cont_iratr><cont_keogh>true</cont_keogh><cont_nonqual>true</cont_nonqual><cont_four57>false</cont_four57><cont_ira>true</cont_ira><cont_iraroll>true</cont_iraroll><cont_extsurr>false</cont_extsurr><cont_four01a>true</cont_four01a><cont_four01k>true</cont_four01k><cont_minq>20000.0000</cont_minq><cont_minaddlnq>25.0000</cont_minaddlnq><cont_minaddlq>25.0000</cont_minaddlq><cont_minnq>20000.0000</cont_minnq><cont_maxaddl>25000.0000</cont_maxaddl><cont_maxi>1000000.0000</cont_maxi><cont_des_tsa403 /><cont_des_sepira /><cont_des_spira /><cont_des_trmlfu /><cont_des_other /><cont_des_pensio /><cont_des_profsh /><cont_des_minnq /><cont_des_minq /><cont_des_nonqua /><cont_des_maxadd>Amounts greater than $25,000 require home office approval.</cont_des_maxadd><cont_des_minad1>Accepted through the first three contract years.</cont_des_minad1><cont_des_minadd>Accepted through the first three contract years.</cont_des_minadd><cont_des_iratr /><cont_des_keogh /><cont_des_max>Amounts greater than $1,000,000 require home office approval.</cont_des_max><cont_des_four57 /><cont_des_ira /><cont_des_irarol /><cont_des_extsur /><cont_des_four01 /><cont_des_four02 /></contribution_info><surrender_info><surr_qualifier /><surr_yr1>10.00</surr_yr1><surr_yr2>10.00</surr_yr2><surr_yr3>10.00</surr_yr3><surr_yr4>8.75</surr_yr4><surr_yr5>7.50</surr_yr5><surr_yr6>6.25</surr_yr6><surr_yr7>5.00</surr_yr7><surr_yr8>3.75</surr_yr8><surr_yr9>2.50</surr_yr9><surr_yr10>1.25</surr_yr10><surr_surryr>10</surr_surryr><surr_schedid>1697</surr_schedid></surrender_info><surrender_info><surr_qualifier>AK, AL, CA, CT, DE, IN, IA, KY, MN, MO, MS, MT, NJ, NV, OH, PA, SC, TX, UT and WA only.</surr_qualifier><surr_yr1>9.10</surr_yr1><surr_yr2>8.29</surr_yr2><surr_yr3>7.28</surr_yr3><surr_yr4>6.37</surr_yr4><surr_yr5>5.46</surr_yr5><surr_yr6>4.65</surr_yr6><surr_yr7>3.64</surr_yr7><surr_yr8>2.83</surr_yr8><surr_yr9>1.82</surr_yr9><surr_yr10>0.91</surr_yr10><surr_surryr>10</surr_surryr><surr_schedid>1698</surr_schedid></surrender_info><fixedrate_info><stratid>1935</stratid><prodid>1050</prodid><actual_incepdate>2012-11-06T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0050</gufixrat><fixedrate>0.0105</fixedrate><mincontr>20000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><index_info><stratid>1936</stratid><prodid>1050</prodid><incepdate>2012-08-07T00:00:00+05:30</incepdate><indexused>NASDAQ 100</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0170</curcap></index_info><index_info><stratid>1940</stratid><prodid>1050</prodid><incepdate>2012-11-06T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0250</curcap></index_info><index_info><stratid>1937</stratid><prodid>1050</prodid><incepdate>2012-08-07T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0170</curcap></index_info><index_info><stratid>1938</stratid><prodid>1050</prodid><incepdate>2012-08-07T00:00:00+05:30</incepdate><indexused>Euro STOXX 50</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0180</curcap></index_info><index_info><stratid>1939</stratid><prodid>1050</prodid><incepdate>2012-11-06T00:00:00+05:30</incepdate><indexused>NASDAQ 100</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0250</curcap></index_info><index_info><stratid>1941</stratid><prodid>1050</prodid><incepdate>2012-11-06T00:00:00+05:30</incepdate><indexused>Euro STOXX 50</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0275</curcap></index_info><index_info><stratid>1943</stratid><prodid>1050</prodid><incepdate>2012-11-06T00:00:00+05:30</incepdate><indexused>Blended Index</indexused><credstrat>Average</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curspread>0.0500</curspread></index_info><index_info><stratid>1942</stratid><prodid>1050</prodid><incepdate>2012-11-06T00:00:00+05:30</incepdate><indexused>Blended Index</indexused><credstrat>Point- to-point</credstrat><gparrat>1.0000</gparrat><indexdescr /><stratdescr /><mincontr>20000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0250</curcap></index_info><bonus_info><bonusid>1398</bonusid><stratid>1935</stratid><prodid>1050</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.5000</bonuspercent><mincontr>20000</mincontr></bonus_info><riders_info><Riderid>289</Riderid><Prodid>1050</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Flexible Withdrawal Benefit Rider</RiderName><RiderType>Flexible Withdrawal Rider</RiderType></riders_info><riders_info><Riderid>290</Riderid><Prodid>1050</Prodid><RiderAvail>Optional</RiderAvail><RiderName>360 Benefit Rider</RiderName><RiderType>Guaranteed Lifetime Withdrawal Benefit</RiderType></riders_info><riders_info><Riderid>291</Riderid><Prodid>1050</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Flexible Annuity Option Rider</RiderName><RiderType>Income Rider</RiderType></riders_info><riders_info><Riderid>292</Riderid><Prodid>1050</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Death Benefit Rider</RiderName><RiderType>Death Benefit Rider</RiderType></riders_info><riders_info><Riderid>293</Riderid><Prodid>1050</Prodid><RiderAvail>Optional</RiderAvail><RiderName>360 Benefit Rider</RiderName><RiderType>Percentage of Interest</RiderType></riders_info><waiver_info><waiv_surrwin>false</waiv_surrwin><waiv_term>false</waiv_term><waiv_unemp>true</waiv_unemp><waiv_dis>false</waiv_dis><waiv_hosp>true</waiv_hosp><waiv_nurse>true</waiv_nurse><waiv_ann>false</waiv_ann><waiv_bail>false</waiv_bail><waiv_death>true</waiv_death><waiv_des_surrwi /><waiv_des_term /><waiv_des_unemp>This benefit allows a one-time additional 10% withdrawal at no cost. Must be under age 65 on the day of request, have received approval for Unemployment Assistance Payments (UAP) from a state unemployment agency after the first policy year and a UAP dated more than 30 days after the date of the most recent UAP. Must also have requested the benefit no later than 30 days after the date of the most recent UAP. May not have previously used the Unemployment Benefit. Availability may vary by state.</waiv_des_unemp><waiv_des_dis /><waiv_des_hosp>This benefit is available after the first policy year. Should the policyholder enter a nursing home or hospital for at least 30 out of 35 consecutive days, the accumulated value is available for distribution over a period no less than 5 years and no more than 9 years. Availability may vary by state.</waiv_des_hosp><waiv_des_nurse>This benefit is available after the first policy year. Should the policyholder enter a nursing home or hospital for at least 30 out of 35 consecutive days, the accumulated value is available for distribution over a period no less than 5 years and no more than 9 years. Availability may vary by state.</waiv_des_nurse><waiv_des_ann /><waiv_des_bail /><waiv_des_death /></waiver_info><withdrawal_info><with_sys>true</with_sys><with_cumfree>false</with_cumfree><with_intonly>false</with_intonly><with_annfreepct>10.00</with_annfreepct><with_mva>false</with_mva><with_des_sys /><with_des_numaf /><with_des_minfre /><with_des_cumfre /><with_des_intonl /><with_des_annfr1 /><with_des_annfre>Available 12 months after the last premium has been added, up to 100% of premiums paid.</with_des_annfre><with_des_mva /></withdrawal_info><minguar_info><guarid>1060</guarid><prodid>1050</prodid><incepdate>2012-06-08T00:00:00+05:30</incepdate><minguarate>0.0135</minguarate><mininitguarperc>0.8750</mininitguarperc></minguar_info><minguar_info><guarid>1194</guarid><prodid>1050</prodid><incepdate>2012-06-08T00:00:00+05:30</incepdate><minguarate>0.0100</minguarate><mininitguarperc>0.8750</mininitguarperc></minguar_info></product><product prod_id="926" age="" state="AL" ann_type="Global Multiple Index" prem_type="0" prem_amount="0" qual_nonqual="0" surr_len="0"><prod_comp_info><prod_productid>926</prod_productid><prod_descr>The AG Global 8 Index is a flexible premium deferred index annuity with a market value adjustment. The minimum single premium is $5,000 for non-qualified and qualified money.  If initial premium is greater than or equal to $5,000, EFT minimum is $100 monthly.  If initial premium is less than $5,000, EFT minimum is $300 monthly.  Additional Non-EFT contributions must be at least $2,000. 10% of the annuity value, as of the previous contract anniversary (10% of the initial premium in the first cont</prod_descr><prod_firstperiod>20</prod_firstperiod><prod_guarprin>false</prod_guarprin><prod_name>AG Global 8 Index</prod_name><prod_typeid>1</prod_typeid><prod_winaftsurr>0</prod_winaftsurr><comp_address>2727-A Allen Parkway</comp_address><comp_bestid>A</comp_bestid><comp_name>American General Life Insurance Company</comp_name><comp_company_na>American General Life Insurance Company</comp_company_na><comp_moodyid /><comp_s_pid>A+</comp_s_pid><comp_weissid /><comp_www_url>http://www.aigag.com/</comp_www_url><comp_naic>60488</comp_naic><vs_companyname>American General Life Ins Co</vs_companyname><vs_fullcompanyname>American General Life Ins Co</vs_fullcompanyname><vs_state>TX</vs_state><vs_naiccode>60488</vs_naiccode><vs_groupname>SunAmerica Financial Group</vs_groupname><vs_yearestablished>1960</vs_yearestablished><vs_address>P.O. Box 1591</vs_address><vs_citystatezip>Houston TX 77251</vs_citystatezip><vs_phone>713-522-1111</vs_phone><vs_webaddress>www.aglife.com</vs_webaddress><vs_companytype>Stock</vs_companytype><vs_comdex>83</vs_comdex><vs_ambest>A</vs_ambest><vs_sandp>A+</vs_sandp><vs_moodys>A2</vs_moodys><vs_fitch>A+</vs_fitch><vs_weiss>B</vs_weiss><vs_totalassets>43097131688</vs_totalassets><vs_liabilities>35703484821</vs_liabilities><vs_surplus>7901424287</vs_surplus><vs_fiveyearyields>0.06874</vs_fiveyearyields><_PremiumType>1</_PremiumType><states_states>AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY</states_states></prod_comp_info><age_info><prod_productid>926</prod_productid><age_mxoq>80.00</age_mxoq><age_mxonq>80.00</age_mxonq><age_minoq>0.00</age_minoq><age_mxanq>80.00</age_mxanq><age_mxaq>80.00</age_mxaq><age_minanq>0.00</age_minanq><age_minaq>0.00</age_minaq><age_minonq>0.00</age_minonq><age_des_mxonq /><age_des_mxoq /><age_des_mxanq /><age_des_mxaq /><age_des_minaq /><age_des_minonq /><age_des_minoq /><age_des_minanq /><_AgeMinQ>0.00</_AgeMinQ><_AgeMinNQ>0.00</_AgeMinNQ><_AgeMaxQ>80.00</_AgeMaxQ><_AgeMaxNQ>80.00</_AgeMaxNQ></age_info><contribution_info><cont_tsa403b>true</cont_tsa403b><cont_sepira>true</cont_sepira><cont_spira>true</cont_spira><cont_trmlfund>false</cont_trmlfund><cont_other>false</cont_other><cont_pension>true</cont_pension><cont_profsh>true</cont_profsh><cont_iratr>true</cont_iratr><cont_keogh>true</cont_keogh><cont_nonqual>true</cont_nonqual><cont_four57>false</cont_four57><cont_ira>true</cont_ira><cont_iraroll>true</cont_iraroll><cont_extsurr>false</cont_extsurr><cont_four01a>true</cont_four01a><cont_four01k>true</cont_four01k><cont_minq>5000.0000</cont_minq><cont_minaddlnq>2000.0000</cont_minaddlnq><cont_minaddlq>2000.0000</cont_minaddlq><cont_minnq>5000.0000</cont_minnq><cont_maxi>1000000.0000</cont_maxi><cont_des_tsa403 /><cont_des_sepira /><cont_des_spira /><cont_des_trmlfu /><cont_des_other /><cont_des_pensio /><cont_des_profsh /><cont_des_minnq /><cont_des_minq /><cont_des_nonqua /><cont_des_maxadd /><cont_des_minad1>EFT minimum is $100 monthly.  Additional Non-EFT contributions must be at least $2,000.</cont_des_minad1><cont_des_minadd>EFT minimum is $300 monthly.  Additional Non-EFT contributions must be at least $2,000.</cont_des_minadd><cont_des_iratr /><cont_des_keogh /><cont_des_max>$500,000 for ages 75 or more.</cont_des_max><cont_des_four57 /><cont_des_ira /><cont_des_irarol /><cont_des_extsur /><cont_des_four01 /><cont_des_four02 /></contribution_info><surrender_info><surr_qualifier /><surr_yr1>8.00</surr_yr1><surr_yr2>7.00</surr_yr2><surr_yr3>6.00</surr_yr3><surr_yr4>5.00</surr_yr4><surr_yr5>4.00</surr_yr5><surr_yr6>3.00</surr_yr6><surr_yr7>2.00</surr_yr7><surr_yr8>1.00</surr_yr8><surr_surryr>8</surr_surryr><surr_schedid>1525</surr_schedid></surrender_info><fixedrate_info><stratid>924</stratid><prodid>926</prodid><actual_incepdate>2013-02-18T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0160</fixedrate><mincontr>2000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><index_info><stratid>925</stratid><prodid>926</prodid><incepdate>2012-11-05T00:00:00+05:30</incepdate><indexused>Global Multiple Index</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0200</guarcap><indexdescr /><stratdescr /><mincontr>2000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0200</curcap></index_info><index_info><stratid>926</stratid><prodid>926</prodid><incepdate>2013-02-18T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><gparrat>0.1000</gparrat><indexdescr /><stratdescr /><mincontr>2000</mincontr><maxcontr>1000000</maxcontr><curparrat>0.3000</curparrat></index_info><index_info><stratid>927</stratid><prodid>926</prodid><incepdate>2013-02-18T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr /><mincontr>2000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0110</curcap></index_info><riders_info><Riderid>216</Riderid><Prodid>926</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Guaranteed Minimum Withdrawal Benefit</RiderName><RiderType>Income Rider</RiderType></riders_info><waiver_info><waiv_surrwin>false</waiv_surrwin><waiv_term>false</waiv_term><waiv_unemp>false</waiv_unemp><waiv_dis>false</waiv_dis><waiv_hosp>false</waiv_hosp><waiv_nurse>true</waiv_nurse><waiv_ann>true</waiv_ann><waiv_bail>false</waiv_bail><waiv_death>true</waiv_death><waiv_des_surrwi /><waiv_des_term /><waiv_des_unemp /><waiv_des_dis /><waiv_des_hosp /><waiv_des_nurse>Available after the first policy year; 90 day elimination period.  Owner must be less than age 86.</waiv_des_nurse><waiv_des_ann>Available after the fifth policy year for a minimum of five years.</waiv_des_ann><waiv_des_bail /><waiv_des_death>Upon the death of the owner (or first owner, if there are two owners), if the annuity value is greater than zero, the beneficiary will receive the annuity value (withdrawal charges are not applied at death).</waiv_des_death></waiver_info><withdrawal_info><with_sys>true</with_sys><with_cumfree>false</with_cumfree><with_intonly>false</with_intonly><with_numaf>1</with_numaf><with_minfree>250.0000</with_minfree><with_annfreepct>10.00</with_annfreepct><with_mva>false</with_mva><with_des_sys>Available 30 days from policy issue.</with_des_sys><with_des_numaf /><with_des_minfre /><with_des_cumfre /><with_des_intonl /><with_des_annfr1 /><with_des_annfre>Up to 10% of the annuity value, as of the previous contract anniversary (10% of the initial premium in the first contract year), may be withdrawn without a withdrawal charge and may be taken out as a one-time withdrawal, as part of a series of systematic withdrawals, or a combination of the two.   GMWB payments are considered partial withdrawals; however, they are not subject to withdrawal charges as long as no excess withdrawals are made in that year.</with_des_annfre><with_des_mva /></withdrawal_info><minguar_info><guarid>1208</guarid><prodid>926</prodid><incepdate>2013-01-01T00:00:00+05:30</incepdate><minguarate>0.0100</minguarate><mininitguarperc>0.8750</mininitguarperc></minguar_info></product><product prod_id="992" age="" state="AL" ann_type="S&amp;P 500" prem_type="0" prem_amount="0" qual_nonqual="0" surr_len="0"><prod_comp_info><prod_productid>992</prod_productid><prod_descr>The Income Preferred Bonus is a flexible premium deferred index annuity with a market value adjustment (MVA). The minimum single premium is $5,000 for qualified and non-qualified money. Additional contributions can be made for $1,000 or more. 5% of the accumulation value may be withdrawn in the first contract year; 10% beginning in the second contract year. Surrender charges are ten years in duration for most states and are waived in the event of annuitization after the first contract year, deat</prod_descr><prod_firstperiod>20</prod_firstperiod><prod_guarprin>false</prod_guarprin><prod_name>Income Preferred Bonus</prod_name><prod_typeid>1</prod_typeid><prod_winaftsurr>0</prod_winaftsurr><comp_address>7700 Mills Civic Parkway</comp_address><comp_bestid>A-</comp_bestid><comp_name>Aviva Life and Annuity Company</comp_name><comp_company_na>Aviva Life and Annuity Company</comp_company_na><comp_moodyid>Baa2</comp_moodyid><comp_s_pid>A-</comp_s_pid><comp_weissid /><comp_www_url>www.avivausa.com</comp_www_url><comp_naic>61689</comp_naic><vs_companyname>Aviva Life &amp; Ann Co</vs_companyname><vs_fullcompanyname>Aviva Life and Annuity Company</vs_fullcompanyname><vs_state>IA</vs_state><vs_naiccode>61689</vs_naiccode><vs_groupname>Aviva USA Group</vs_groupname><vs_yearestablished>1896</vs_yearestablished><vs_address>7700 Mills Civic Parkway</vs_address><vs_citystatezip>West Des Moines IA 50266-3862</vs_citystatezip><vs_phone>800-800-9882</vs_phone><vs_webaddress>www.avivausa.com</vs_webaddress><vs_companytype>Stock</vs_companytype><vs_comdex>64</vs_comdex><vs_ambest>A-</vs_ambest><vs_ambestwatch>w</vs_ambestwatch><vs_sandp>A-</vs_sandp><vs_sandpwatch>w</vs_sandpwatch><vs_moodys>Baa2</vs_moodys><vs_fitch xml:space="preserve"> </vs_fitch><vs_weiss>C+</vs_weiss><vs_totalassets>48504278279</vs_totalassets><vs_liabilities>45825669656</vs_liabilities><vs_surplus>2890299037</vs_surplus><vs_fiveyearyields>0.05176</vs_fiveyearyields><_PremiumType>1</_PremiumType><states_states>AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY</states_states></prod_comp_info><age_info><prod_productid>992</prod_productid><age_mxoq>78.00</age_mxoq><age_mxonq>78.00</age_mxonq><age_minoq>0.00</age_minoq><age_mxanq>78.00</age_mxanq><age_mxaq>78.00</age_mxaq><age_minanq>0.00</age_minanq><age_minaq>0.00</age_minaq><age_minonq>0.00</age_minonq><age_des_mxonq>Age 74 in IN and 64 in FL.</age_des_mxonq><age_des_mxoq>Age 74 in IN and 64 in FL.</age_des_mxoq><age_des_mxanq>Age 74 in IN and 64 in FL.</age_des_mxanq><age_des_mxaq>Age 74 in IN and 64 in FL.</age_des_mxaq><age_des_minaq /><age_des_minonq /><age_des_minoq /><age_des_minanq /><_AgeMinQ>0.00</_AgeMinQ><_AgeMinNQ>0.00</_AgeMinNQ><_AgeMaxQ>78.00</_AgeMaxQ><_AgeMaxNQ>78.00</_AgeMaxNQ></age_info><contribution_info><cont_tsa403b>true</cont_tsa403b><cont_sepira>true</cont_sepira><cont_spira>true</cont_spira><cont_trmlfund>false</cont_trmlfund><cont_other>false</cont_other><cont_pension>true</cont_pension><cont_profsh>true</cont_profsh><cont_iratr>true</cont_iratr><cont_keogh>true</cont_keogh><cont_nonqual>true</cont_nonqual><cont_four57>false</cont_four57><cont_ira>true</cont_ira><cont_iraroll>true</cont_iraroll><cont_extsurr>false</cont_extsurr><cont_four01a>true</cont_four01a><cont_four01k>true</cont_four01k><cont_minq>5000.0000</cont_minq><cont_minaddlnq>1000.0000</cont_minaddlnq><cont_minaddlq>1000.0000</cont_minaddlq><cont_minnq>5000.0000</cont_minnq><cont_maxaddl>100000.0000</cont_maxaddl><cont_maxi>1000000.0000</cont_maxi><cont_des_tsa403 /><cont_des_sepira /><cont_des_spira /><cont_des_trmlfu /><cont_des_other /><cont_des_pensio /><cont_des_profsh /><cont_des_minnq /><cont_des_minq /><cont_des_nonqua /><cont_des_maxadd /><cont_des_minad1 /><cont_des_minadd /><cont_des_iratr /><cont_des_keogh /><cont_des_max>Amounts greater than $1,000,000 require home office approval.</cont_des_max><cont_des_four57 /><cont_des_ira /><cont_des_irarol /><cont_des_extsur /><cont_des_four01 /><cont_des_four02 /></contribution_info><surrender_info><surr_qualifier>Most States</surr_qualifier><surr_yr1>12.00</surr_yr1><surr_yr2>12.00</surr_yr2><surr_yr3>12.00</surr_yr3><surr_yr4>11.00</surr_yr4><surr_yr5>10.00</surr_yr5><surr_yr6>9.00</surr_yr6><surr_yr7>8.00</surr_yr7><surr_yr8>7.00</surr_yr8><surr_yr9>6.00</surr_yr9><surr_yr10>4.00</surr_yr10><surr_surryr>10</surr_surryr><surr_schedid>1625</surr_schedid></surrender_info><surrender_info><surr_qualifier>SC &amp; TX only</surr_qualifier><surr_yr1>9.20</surr_yr1><surr_yr2>8.50</surr_yr2><surr_yr3>7.30</surr_yr3><surr_yr4>6.60</surr_yr4><surr_yr5>5.90</surr_yr5><surr_yr6>5.10</surr_yr6><surr_yr7>4.30</surr_yr7><surr_yr8>3.50</surr_yr8><surr_yr9>2.70</surr_yr9><surr_yr10>1.20</surr_yr10><surr_surryr>10</surr_surryr><surr_schedid>1659</surr_schedid></surrender_info><fixedrate_info><stratid>1530</stratid><prodid>992</prodid><actual_incepdate>2011-09-16T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><fixedrate>0.0100</fixedrate><mincontr>5000</mincontr><maxcontr>74999</maxcontr></fixedrate_info><fixedrate_info><stratid>1530</stratid><prodid>992</prodid><actual_incepdate>2012-12-28T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><fixedrate>0.0125</fixedrate><mincontr>75000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><index_info><stratid>1528</stratid><prodid>992</prodid><incepdate>2012-12-28T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat /><indexdescr /><stratdescr /><mincontr>5000</mincontr><maxcontr>74999</maxcontr><curcap>0.0100</curcap></index_info><index_info><stratid>1528</stratid><prodid>992</prodid><incepdate>2012-12-28T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat /><indexdescr /><stratdescr /><mincontr>75000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0125</curcap></index_info><index_info><stratid>1529</stratid><prodid>992</prodid><incepdate>2011-09-16T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Average</credstrat><indexdescr /><stratdescr /><mincontr>5000</mincontr><maxcontr>74999</maxcontr><curcap>0.0200</curcap></index_info><index_info><stratid>1529</stratid><prodid>992</prodid><incepdate>2012-12-28T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Average</credstrat><indexdescr /><stratdescr /><mincontr>75000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0250</curcap></index_info><index_info><stratid>1527</stratid><prodid>992</prodid><incepdate>2011-09-16T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr /><mincontr>5000</mincontr><maxcontr>74999</maxcontr><curcap>0.0200</curcap></index_info><index_info><stratid>1527</stratid><prodid>992</prodid><incepdate>2012-12-28T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr /><mincontr>75000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0250</curcap></index_info><bonus_info><bonusid>2135</bonusid><stratid>1528</stratid><prodid>992</prodid><credstrat /><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>5000</mincontr></bonus_info><bonus_info><bonusid>2136</bonusid><stratid>1528</stratid><prodid>992</prodid><credstrat /><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>75000</mincontr></bonus_info><bonus_info><bonusid>2137</bonusid><stratid>1529</stratid><prodid>992</prodid><credstrat>Average</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>5000</mincontr></bonus_info><bonus_info><bonusid>2138</bonusid><stratid>1529</stratid><prodid>992</prodid><credstrat>Average</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>75000</mincontr></bonus_info><bonus_info><bonusid>2133</bonusid><stratid>1527</stratid><prodid>992</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>5000</mincontr></bonus_info><bonus_info><bonusid>2134</bonusid><stratid>1527</stratid><prodid>992</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>75000</mincontr></bonus_info><bonus_info><bonusid>2139</bonusid><stratid>1530</stratid><prodid>992</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>5000</mincontr></bonus_info><bonus_info><bonusid>2140</bonusid><stratid>1530</stratid><prodid>992</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>75000</mincontr></bonus_info><riders_info><Riderid>171</Riderid><Prodid>992</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Income Edge Plus</RiderName><RiderType>Income Rider</RiderType></riders_info><vesting_info><VestId>15</VestId><ProdId>992</ProdId><Vesting>true</Vesting><VestNumYr>10</VestNumYr><AppliedTo>Bonus Recapture</AppliedTo><VestYr1>5.60</VestYr1><VestYr2>5.60</VestYr2><VestYr3>5.60</VestYr3><VestYr4>5.60</VestYr4><VestYr5>5.60</VestYr5><VestYr6>5.60</VestYr6><VestYr7>5.60</VestYr7><VestYr8>5.60</VestYr8><VestYr9>4.00</VestYr9><VestYr10>2.00</VestYr10><ReallowTerm /><Descr>Most States</Descr></vesting_info><vesting_info><VestId>21</VestId><ProdId>992</ProdId><Vesting>true</Vesting><VestNumYr>10</VestNumYr><AppliedTo>Bonus Recapture</AppliedTo><VestYr1>5.60</VestYr1><VestYr2>5.60</VestYr2><VestYr3>5.60</VestYr3><VestYr4>4.70</VestYr4><VestYr5>3.90</VestYr5><VestYr6>3.10</VestYr6><VestYr7>2.30</VestYr7><VestYr8>1.50</VestYr8><VestYr9>0.60</VestYr9><VestYr10>0.50</VestYr10><ReallowTerm /><Descr>SC &amp; TX only</Descr></vesting_info><vesting_info><VestId>26</VestId><ProdId>992</ProdId><Vesting>true</Vesting><VestNumYr>10</VestNumYr><AppliedTo>Bonus Recapture</AppliedTo><VestYr1>5.60</VestYr1><VestYr2>5.60</VestYr2><VestYr3>5.60</VestYr3><VestYr4>5.60</VestYr4><VestYr5>5.60</VestYr5><VestYr6>5.60</VestYr6><VestYr7>5.60</VestYr7><VestYr8>5.60</VestYr8><VestYr9>4.00</VestYr9><VestYr10>2.00</VestYr10><ReallowTerm /><Descr>MA only.</Descr></vesting_info><waiver_info><waiv_surrwin>false</waiv_surrwin><waiv_term>true</waiv_term><waiv_unemp>false</waiv_unemp><waiv_dis>false</waiv_dis><waiv_hosp>true</waiv_hosp><waiv_nurse>true</waiv_nurse><waiv_ann>true</waiv_ann><waiv_bail>false</waiv_bail><waiv_death>true</waiv_death><waiv_des_surrwi /><waiv_des_term>Available after the first contract year (during the first year in TX). 12 month life expectancy. May withdraw up to 100% of the greater of the accumulated value or the minimum guaranteed contract value without incurring a withdrawal charge or MVA. Availability may vary by state.</waiv_des_term><waiv_des_unemp /><waiv_des_dis /><waiv_des_hosp>Confinement Waiver: Available after the first contract year (during the first year in TX). 60 day elimination period. May withdraw up to 100% of the greater of the accumulated value or the minimum guaranteed contract value without incurring a withdrawal charge or MVA. Availability may vary by state. Must be confined to a qualified care facility.</waiv_des_hosp><waiv_des_nurse>Confinement Waiver: Available after the first contract year (during the first year in TX). 60 day elimination period. May withdraw up to 100% of the greater of the accumulated value or the minimum guaranteed contract value without incurring a withdrawal charge or MVA. Availability may vary by state. Must be confined to a qualified care facility.</waiv_des_nurse><waiv_des_ann>Available after the first contract year. Availability may vary by state.</waiv_des_ann><waiv_des_bail /><waiv_des_death /></waiver_info><withdrawal_info><with_sys>true</with_sys><with_cumfree>false</with_cumfree><with_intonly>false</with_intonly><with_minfree>2000.0000</with_minfree><with_annfreepct>10.00</with_annfreepct><with_mva>true</with_mva><with_des_sys /><with_des_numaf /><with_des_minfre /><with_des_cumfre /><with_des_intonl /><with_des_annfr1 /><with_des_annfre>5% of the accumulated value is available beginning in the first contract year and 10% beginning in the second contract year and all subsequent years without incurring a withdrawal charge or MVA.</with_des_annfre><with_des_mva>MVA Factor = [0.50 ? (A - B) ? N/12] where: (A) Is the beginning 10-Year Constant Maturity Treasury Series rate assigned to the premium and/or interest that, for purposes of calculating the Market Value Adjustment, are considered deducted from the contract. (B) Is the closing rate for the 10-Year Constant Maturity Treasury Series published by the Federal Reserve two (2) days before the surrender or withdrawal is processed by the company, plus 0.25%. (N) Is the number of complete contract months </with_des_mva></withdrawal_info><minguar_info><guarid>1006</guarid><prodid>992</prodid><incepdate>2012-03-02T00:00:00+05:30</incepdate><minguarate>0.0100</minguarate><mininitguarperc>0.8750</mininitguarperc></minguar_info></product><product prod_id="1017" age="" state="AL" ann_type="S&amp;P 500" prem_type="0" prem_amount="0" qual_nonqual="0" surr_len="0"><prod_comp_info><prod_productid>1017</prod_productid><prod_descr>The SecureLiving Index 10 Plus is a single premium deferred annuity with a market value adjustment. The minimum single premium is $25,000 for qualified and non-qualified money. 10% of the contract value is available after the first contract year. Surrender charges are ten years in duration (9,9,8,7,6,5,4,3,2,1) and are waived in the event of bailout or death. The Income Protection Rider (single and joint life versions) is an optional rider which, if elected at an extra cost, provides lifetime wi</prod_descr><prod_firstperiod>20</prod_firstperiod><prod_guarprin>false</prod_guarprin><prod_name>SecureLiving Index 10 Plus</prod_name><prod_typeid>2</prod_typeid><prod_winaftsurr>0</prod_winaftsurr><comp_address>3100 Albert Lankford Drive</comp_address><comp_bestid>A</comp_bestid><comp_name>Genworth Life and Annuity Insurance Company</comp_name><comp_company_na>Genworth Life and Annuity Insurance Company</comp_company_na><comp_moodyid>A3</comp_moodyid><comp_s_pid>A-</comp_s_pid><comp_weissid /><comp_www_url>http://www.genworth.com/</comp_www_url><comp_naic>70025</comp_naic><vs_companyname>Genworth Life Ins Co</vs_companyname><vs_fullcompanyname>Genworth Life Insurance Co</vs_fullcompanyname><vs_state>DE</vs_state><vs_naiccode>70025</vs_naiccode><vs_groupname>Genworth Financial Group</vs_groupname><vs_yearestablished>1956</vs_yearestablished><vs_address>6604 West Broad St Suite 400</vs_address><vs_citystatezip>Richmond VA 23230</vs_citystatezip><vs_phone>888-322-4629</vs_phone><vs_webaddress>www.genworth.com</vs_webaddress><vs_companytype>Stock</vs_companytype><vs_comdex>75</vs_comdex><vs_ambest>A</vs_ambest><vs_sandp>A-</vs_sandp><vs_sandpwatch /><vs_moodys>A3</vs_moodys><vs_fitch>A-</vs_fitch><vs_weiss>C+</vs_weiss><vs_totalassets>35784159614</vs_totalassets><vs_liabilities>32686843913</vs_liabilities><vs_surplus>3205466238</vs_surplus><vs_fiveyearyields>0.05138</vs_fiveyearyields><_PremiumType>2</_PremiumType><states_states>AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY</states_states></prod_comp_info><age_info><prod_productid>1017</prod_productid><age_mxoq>80.00</age_mxoq><age_mxonq>80.00</age_mxonq><age_minoq>0.00</age_minoq><age_mxanq>80.00</age_mxanq><age_mxaq>80.00</age_mxaq><age_minanq>0.00</age_minanq><age_minaq>0.00</age_minaq><age_minonq>0.00</age_minonq><age_des_mxonq /><age_des_mxoq /><age_des_mxanq /><age_des_mxaq /><age_des_minaq /><age_des_minonq /><age_des_minoq /><age_des_minanq /><_AgeMinQ>0.00</_AgeMinQ><_AgeMinNQ>0.00</_AgeMinNQ><_AgeMaxQ>80.00</_AgeMaxQ><_AgeMaxNQ>80.00</_AgeMaxNQ></age_info><contribution_info><cont_tsa403b>false</cont_tsa403b><cont_sepira>true</cont_sepira><cont_spira>true</cont_spira><cont_trmlfund>false</cont_trmlfund><cont_other>false</cont_other><cont_pension>true</cont_pension><cont_profsh>true</cont_profsh><cont_iratr>true</cont_iratr><cont_keogh>true</cont_keogh><cont_nonqual>true</cont_nonqual><cont_four57>false</cont_four57><cont_ira>true</cont_ira><cont_iraroll>true</cont_iraroll><cont_extsurr>false</cont_extsurr><cont_four01a>true</cont_four01a><cont_four01k>true</cont_four01k><cont_minq>25000.0000</cont_minq><cont_minnq>25000.0000</cont_minnq><cont_maxi>1000000.0000</cont_maxi><cont_des_tsa403 /><cont_des_sepira /><cont_des_spira /><cont_des_trmlfu /><cont_des_other /><cont_des_pensio /><cont_des_profsh /><cont_des_minnq /><cont_des_minq /><cont_des_nonqua /><cont_des_maxadd /><cont_des_minad1 /><cont_des_minadd /><cont_des_iratr /><cont_des_keogh /><cont_des_max>Amounts greater than $1,000,000 require prior home office approval.</cont_des_max><cont_des_four57 /><cont_des_ira /><cont_des_irarol /><cont_des_extsur /><cont_des_four01 /><cont_des_four02 /></contribution_info><surrender_info><surr_qualifier /><surr_yr1>9.00</surr_yr1><surr_yr2>9.00</surr_yr2><surr_yr3>8.00</surr_yr3><surr_yr4>7.00</surr_yr4><surr_yr5>6.00</surr_yr5><surr_yr6>5.00</surr_yr6><surr_yr7>4.00</surr_yr7><surr_yr8>3.00</surr_yr8><surr_yr9>2.00</surr_yr9><surr_yr10>1.00</surr_yr10><surr_surryr>10</surr_surryr><surr_schedid>1662</surr_schedid></surrender_info><fixedrate_info><stratid>1623</stratid><prodid>1017</prodid><actual_incepdate>2012-11-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0105</fixedrate><mincontr>25000</mincontr><maxcontr>99999</maxcontr></fixedrate_info><fixedrate_info><stratid>1623</stratid><prodid>1017</prodid><actual_incepdate>2012-11-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0140</fixedrate><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><fixedrate_info><stratid>1623</stratid><prodid>1017</prodid><actual_incepdate>2012-11-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0130</fixedrate><mincontr>100000</mincontr><maxcontr>249999</maxcontr></fixedrate_info><fixedrate_info><stratid>1624</stratid><prodid>1017</prodid><actual_incepdate>2011-12-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0100</fixedrate><mincontr>25000</mincontr><maxcontr>99999</maxcontr></fixedrate_info><fixedrate_info><stratid>1624</stratid><prodid>1017</prodid><actual_incepdate>2011-12-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0125</fixedrate><mincontr>100000</mincontr><maxcontr>249999</maxcontr></fixedrate_info><fixedrate_info><stratid>1624</stratid><prodid>1017</prodid><actual_incepdate>2011-12-12T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0135</fixedrate><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><fixedrate_info><stratid>1644</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0100</fixedrate><mincontr>25000</mincontr><maxcontr>99999</maxcontr></fixedrate_info><fixedrate_info><stratid>1644</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0125</fixedrate><mincontr>100000</mincontr><maxcontr>249999</maxcontr></fixedrate_info><fixedrate_info><stratid>1644</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0135</fixedrate><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><fixedrate_info><stratid>1643</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0105</fixedrate><mincontr>25000</mincontr><maxcontr>99999</maxcontr></fixedrate_info><fixedrate_info><stratid>1643</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0130</fixedrate><mincontr>100000</mincontr><maxcontr>249999</maxcontr></fixedrate_info><fixedrate_info><stratid>1643</stratid><prodid>1017</prodid><actual_incepdate>2012-03-19T00:00:00+05:30</actual_incepdate><indexused>Fixed Rate</indexused><credstrat /><gufixrat>0.0100</gufixrat><fixedrate>0.0140</fixedrate><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></fixedrate_info><index_info><stratid>1622</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr><curcap>0.0130</curcap></index_info><index_info><stratid>1622</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr><curcap>0.0150</curcap></index_info><index_info><stratid>1622</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0160</curcap></index_info><index_info><stratid>1628</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Most States</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr></index_info><index_info><stratid>1628</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Most States</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr></index_info><index_info><stratid>1628</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Most States</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></index_info><index_info><stratid>1627</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr><curcap>0.0200</curcap></index_info><index_info><stratid>1627</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr><curcap>0.0250</curcap></index_info><index_info><stratid>1627</stratid><prodid>1017</prodid><incepdate>2012-11-12T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Most States</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0270</curcap></index_info><index_info><stratid>1642</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr><curcap>0.0110</curcap></index_info><index_info><stratid>1642</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr><curcap>0.0130</curcap></index_info><index_info><stratid>1642</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point, Sum</credstrat><guarcap>0.0050</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0140</curcap></index_info><index_info><stratid>1645</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr><curcap>0.0260</curcap></index_info><index_info><stratid>1645</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr><curcap>0.0210</curcap></index_info><index_info><stratid>1645</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0280</curcap></index_info><index_info><stratid>1646</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA.</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr></index_info><index_info><stratid>1646</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA.</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr></index_info><index_info><stratid>1646</stratid><prodid>1017</prodid><incepdate>2012-03-19T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><indexdescr /><stratdescr>Available in: AK,MN,MO,OR,PA,WA.</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr></index_info><index_info><stratid>2257</stratid><prodid>1017</prodid><incepdate>2012-12-03T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>CapMax.  Minimum renewal is 2.50% during the surrender period.</stratdescr><mincontr>25000</mincontr><maxcontr>99999</maxcontr><curcap>0.0200</curcap></index_info><index_info><stratid>2257</stratid><prodid>1017</prodid><incepdate>2012-12-03T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>CapMax.  Minimum renewal is 2.50% during the surrender period.</stratdescr><mincontr>100000</mincontr><maxcontr>249999</maxcontr><curcap>0.0250</curcap></index_info><index_info><stratid>2257</stratid><prodid>1017</prodid><incepdate>2012-12-03T00:00:00+05:30</incepdate><indexused>S&amp;P 500</indexused><credstrat>Point- to-point</credstrat><guarcap>0.0100</guarcap><indexdescr /><stratdescr>CapMax.  Minimum renewal is 2.50% during the surrender period.</stratdescr><mincontr>250000</mincontr><maxcontr>1000000</maxcontr><curcap>0.0270</curcap></index_info><bonus_info><bonusid>2335</bonusid><stratid>1622</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>2336</bonusid><stratid>1622</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>2337</bonusid><stratid>1622</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>2338</bonusid><stratid>1623</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>2340</bonusid><stratid>1623</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>2339</bonusid><stratid>1623</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>2347</bonusid><stratid>1628</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>2348</bonusid><stratid>1628</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>2349</bonusid><stratid>1628</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>2344</bonusid><stratid>1627</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>2345</bonusid><stratid>1627</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>2346</bonusid><stratid>1627</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>1236</bonusid><stratid>1642</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>1237</bonusid><stratid>1642</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>1238</bonusid><stratid>1642</stratid><prodid>1017</prodid><credstrat>Point- to-point, Sum</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>2341</bonusid><stratid>1624</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>2342</bonusid><stratid>1624</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>2343</bonusid><stratid>1624</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0400</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>1242</bonusid><stratid>1644</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>1243</bonusid><stratid>1644</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>1244</bonusid><stratid>1644</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>1245</bonusid><stratid>1646</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>1246</bonusid><stratid>1646</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>1247</bonusid><stratid>1646</stratid><prodid>1017</prodid><credstrat>Point- to-point</credstrat><indexused>S&amp;P 500</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><bonus_info><bonusid>1239</bonusid><stratid>1643</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>25000</mincontr></bonus_info><bonus_info><bonusid>1240</bonusid><stratid>1643</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>100000</mincontr></bonus_info><bonus_info><bonusid>1241</bonusid><stratid>1643</stratid><prodid>1017</prodid><credstrat /><indexused>Fixed Rate</indexused><bonuspercent>0.0100</bonuspercent><bonnumyrs>1</bonnumyrs><mincontr>250000</mincontr></bonus_info><riders_info><Riderid>221</Riderid><Prodid>1017</Prodid><RiderAvail>Optional</RiderAvail><RiderName>Income Protection</RiderName><RiderType>Income Rider</RiderType></riders_info><vesting_info><VestId>24</VestId><ProdId>1017</ProdId><Vesting>true</Vesting><VestNumYr>11</VestNumYr><AppliedTo>Bonus</AppliedTo><VestYr1>5.00</VestYr1><VestYr2>10.00</VestYr2><VestYr3>20.00</VestYr3><VestYr4>30.00</VestYr4><VestYr5>40.00</VestYr5><VestYr6>50.00</VestYr6><VestYr7>60.00</VestYr7><VestYr8>70.00</VestYr8><VestYr9>80.00</VestYr9><VestYr10>90.00</VestYr10><VestYr11>100.00</VestYr11><ReallowTerm /><Descr /></vesting_info><waiver_info><waiv_surrwin>false</waiv_surrwin><waiv_term>false</waiv_term><waiv_unemp>false</waiv_unemp><waiv_dis>false</waiv_dis><waiv_hosp>false</waiv_hosp><waiv_nurse>true</waiv_nurse><waiv_ann>true</waiv_ann><waiv_bail>true</waiv_bail><waiv_death>true</waiv_death><waiv_des_surrwi /><waiv_des_term /><waiv_des_unemp /><waiv_des_dis /><waiv_des_hosp /><waiv_des_nurse>Available after the first policy year. If 30 consecutive days or more are spent in a medical care facility, the free withdrawal amount increases from 10% to 20% of the contract value each contract year. Amounts withdrawn in excess of the 20% are subject to surrender charge and MVA. Additional restrictions apply.</waiv_des_nurse><waiv_des_ann /><waiv_des_bail>Bailout Waiver ? During the surrender charge period, if the renewal annual cap for the Annual Cap Strategy is less than the bailout annual cap, a partial or full surrender may be made during the 45 day bailout window, regardless of allocation, without surrender charge, loss of unvested premium enhancement, or MVA.</waiv_des_bail><waiv_des_death /></waiver_info><withdrawal_info><with_sys>true</with_sys><with_cumfree>false</with_cumfree><with_intonly>false</with_intonly><with_numaf>12</with_numaf><with_annfreepct>10.00</with_annfreepct><with_mva>true</with_mva><with_des_sys /><with_des_numaf /><with_des_minfre /><with_des_cumfre /><with_des_intonl /><with_des_annfr1 /><with_des_annfre>Available after the first policy year.</with_des_annfre><with_des_mva>MVA factor = (i - j) x n, where: i = the Index rate on the day prior to the effective date for the MVA Index as shown on the data pages. j = the Index rate on the day prior to the date of the transaction for the MVA Index as shown on the data pages. n = the number of full and partial years remaining in the surrender charge period.  Not available in AK, MN, MO, OR, PA or WA.</with_des_mva></withdrawal_info><minguar_info><guarid>1014</guarid><prodid>1017</prodid><incepdate>2012-03-13T00:00:00+05:30</incepdate><minguarate>0.0100</minguarate><mininitguarperc>0.8750</mininitguarperc></minguar_info></product></products>