LSW Annuity

RULES and GUIDELINES

AAG Commission Schedule Addendum
Life Insurance Company of the Southwest (LSW)

CHARGEBACK INFORMATION:

A commission chargeback shall apply as follows to any LSW annuity Policy when a Death Benefit is paid on such Policy due to the death of the Owner and/or Annuitant at any time before the first policy anniversary: 1) One hundred percent (100%) of all paid commissions shall be charged back if death of the Annuitant and/or Owner occurs within the first three hundred and sixty five (365) days from policy issue.

In addition to the standard commission chargeback when a Death Benefit is paid, a commission chargeback shall apply as follows to any LSW annuity Policy when such Policy is surrendered at any time before the first policy anniversary: 1) One hundred percent (100%) of all paid commissions shall be charged back if the surrender occurs within the first three hundred and sixty five (365) days from policy issue.

Issue age is determined by actual age of the Annuitant.

LSW reserves the right to delay the payment of any commissions due until LSW has received the delivery receipt, if applicable, the required free look period has expired and LSW has determined that the subject sale met LSW’s standards for such sale in effect from time to time. No commission will be due on a transaction which does not meet LSW’s suitability standards.

COMMISSION HOLDS

a.  On all annuity contracts, all compensation, including first year commissions are subject to the following requirements: (1) validation that the premium check has cleared the payee’s bank; (2) verification by National Life Insurance Company and Life Insurance Company of the Southwest, (Insurers) home office of a valid signed delivery receipt and delivery requirements; (3) All annuity commissions will be held for a period of 30 days following the provider receiving all requirements pertaining to the policy.  Commissions will be paid on the cycle following the expiration of the 30 day hold period.  This includes but is not limited to the delivery requirements.

b. Policies for the following will pay out thirty (30) days following the date the delivery documents are received by the provider. The client is the writing or split agent’s mother, father, brother, sister, spouse, child or any other family member. This may also include in-laws and step relationships.

c. For annuities with over $1,000,000 of premium, contact your AAG Home Office as Insurers shall determine compensation payable on a case by case basis, but in no event shall compensation exceed the allowable limits as prescribed by regulatory authorities.

d. Once conditions have been met, applicable commissions will be released on the next regularly scheduled commission pay cycle.

‡ First-year commissions are based on premiums received and credited during the first twelve months (first year) of the annuity contract. Renewal commissions are based on premiums received in subsequent years. Both first year and renewal commissions exclude premiums returned or not taken for any reason. If any employer requires the waiver of any amount of Withdrawal Charge as a condition to transacting business with that employer, LSW will reduce commissions in an amount equal to the commission payable on the Withdrawal Charge so waived, but never to exceed the commission paid. First year and renewal commissions shown are gross commissions. Actual commissions paid are reduced by all commissions or service fees paid on the subject Policy to all sub-agents or sub-agencies.

Systematic transfers and exchanges of 403(b) monies and periodic rollovers of 403(b) premium to a 403(b) flexible premium annuity will be paid at full commission dependent upon the year in which they are received. Systematic transfers and exchanges are defined as those being made on an automatic basis (e.g., a settlement option) from another insurance company or a 403(b)(7) custodial account as a trustee to trustee transfer pursuant to applicable 403(b) regulations. Periodic rollovers are defined as those being made on an automatic basis which represent a series of direct rollovers of Eligible Rollover Distributions (as defined in Public Law 102-318) from a 403(b)-retirement plan.

Service fees will be paid on premiums collected by the Company to the extent the commission schedules permit but only while the Agent Agreement remains in force. Special variations of the products listed may be required for approval in certain school systems and/or states. This may require adjustments to this commission schedule. For any policy issued after January 1, 2010, such policy will not be eligible for commission payment pursuant to this schedule from and after the date LSW determines the policyholder owning such policy is not receiving adequate 403(b)/457 service pursuant to LSW’s and/or the subject plan’s 403(b)/457 operating rules. LSW will provide notice of any such decision prior to making such commission change.

Commissions on Policies issued as a replacement for another LSW or National Life Insurance Company Policy will be reduced according to LSW rules in place at such time. Execution of a single case agreement will be required which will set forth applicable commissions regarding the exchange (replacement).

* Modified commissions are utilized in states that require a modified withdrawal charge schedule on select LSW annuities. See the LSW website for a listing of states requiring the modified withdrawal charge schedule.

IM-L9 (0315) Commission grid is not an approval listing. Please consult the LSW website for product availability.

For any applications submitted on residents of California all commission payouts will be reduced by 7%

The compensation schedule is effective for any applications submitted on 4/10/2020 or later.

All annuity commissions will be held for a period of 30 days following the provider receiving all requirements pertaining to the policy.  This includes but is not limited to the delivery requirements.

Options A

Carrier Product ProductType State AgeStart AgeEnd YearStart YearEnd COMP
LSW Annuity SecurePlus Platinum Fixed Annuity 0 65 1 1 4.40%
LSW Annuity SecurePlus Platinum Fixed Annuity 0 65 2 5 2.40%
LSW Annuity SecurePlus Platinum Fixed Annuity 66 70 2 5 2.00%
LSW Annuity SecurePlus Platinum Fixed Annuity 71 75 1 1 4.00%
LSW Annuity SecurePlus Platinum Fixed Annuity 71 75 2 5 1.60%
LSW Annuity SecurePlus Platinum Fixed Annuity 76 80 1 1 3.60%
0.00%
Carrier Product ProductType State AgeStart AgeEnd YearStart YearEnd
LSW Annuity SecurePlus Gold Fixed Annuity AK, AL, CA, DE, MN, NJ, NV, OH, TX, UT, WA 59 75 2 10 0.40%
LSW Annuity SecurePlus Gold Fixed Annuity AK, AL, CA, DE, MN, NJ, NV, OH, TX, UT, WA 76 80 1 1 2.40%
LSW Annuity SecurePlus Gold Fixed Annuity AK, AL, CA, DE, MN, NJ, NV, OH, TX, UT, WA 81 85 1 1 1.60%
LSW Annuity SecurePlus Gold Fixed Annuity Not AK, AL, CA, DE, MN, NJ, NV, OH, TX, UT, WA 81 85 1 1 1.60%
0.00%
Carrier Product ProductType State AgeStart AgeEnd YearStart YearEnd
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 1 1 3.40%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 2 10 2.10%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 1 1 3.20%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 2 10 1.90%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 1 1 3.40%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 2 2 2.10%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 3 3 1.70%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 4 5 1.05%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 6 7 0.45%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 8 10 0.00%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 1 1 3.20%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 2 2 1.90%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 3 3 1.50%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 4 5 0.86%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 6 7 0.45%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 8 10 0.00%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 4 5 2.60%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 2 2 0.86%
LSW Annuity SecurePlus Paramount 5 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 3 10 0.00%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 1 1 2.60%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 2 2 0.86%
LSW Annuity SecurePlus Paramount 5 Single Sum Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 3 10 0.00%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 1 1 3.36%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 2 10 2.10%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 1 1 1.96%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 2 10 1.90%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 1 1 3.36%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 2 2 2.10%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 3 3 1.70%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 4 5 1.05%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 6 7 0.45%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 0 58 8 10 0.00%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 1 1 3.16%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 2 2 1.90%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 3 3 1.50%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 4 5 0.86%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 6 7 0.45%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 59 75 8 10 0.00%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 1 1 2.58%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 2 2 0.86%
LSW Annuity SecurePlus Paramount 5 TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 3 10 0.00%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 1 1 2.58%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 2 2 0.86%
LSW Annuity SecurePlus Paramount 5 Single Sum TSA/457 Fixed Annuity AK, AL, CA, MN, NV, OH, SC, TX, UT, WA 76 80 3 10 0.00%
LSW Annuity SecurePlus Preferred 6 Fixed Annuity AK, CA, MN, NJ, UT 0 58 1 1 3.40%
LSW Annuity SecurePlus Preferred 6 Fixed Annuity AK, CA, MN, NJ, UT 59 75 1 1 3.20%
LSW Annuity SecurePlus Preferred 6 Fixed Annuity AK, CA, MN, NJ, UT 76 80 1 1 1.70%
LSW Annuity SecurePlus Preferred 6 Fixed Annuity Not AK, CA, MN, NJ, UT 0 75 1 1 3.40%
LSW Annuity SecurePlus Preferred 6 Fixed Annuity Not AK, CA, MN, NJ, UT 76 80 1 1 2.20%
Carrier Product ProductType State Age Start Age End Year Start Year End #VALUE!
LSW Annuity SecurePlus Marquee 10 Fixed Annuity Not AL, DE, NV, OH, OK, SC, TX 0 75 1 1 3.40%
Carrier Product ProductType State Age Start Age End Year Start Year End #VALUE!
LSW Annuity RetireMax Millennium Plus Fixed Annuity AK, AL, MN, TX, UT, WA 0 58 1 1 3.14%
LSW Annuity RetireMax Millennium Plus Fixed Annuity AK, AL, MN, TX, UT, WA 59 70 1 1 2.94%
LSW Annuity RetireMax Millennium Plus Fixed Annuity AK, AL, MN, TX, UT, WA 71 75 1 1 2.30%
LSW Annuity RetireMax Millennium Plus Fixed Annuity AK, AL, MN, TX, UT, WA 76 80 1 1 1.67%
LSW Annuity RetireMax Millennium Plus Fixed Annuity Not AK, AL, MN, TX, UT, WA 0 70 1 1 3.14%
LSW Annuity RetireMax Millennium Plus Fixed Annuity Not AK, AL, MN, TX, UT, WA 71 75 1 1 2.51%
LSW Annuity RetireMax Millennium Plus Fixed Annuity Not AK, AL, MN, TX, UT, WA 76 80 1 1 1.89%
0.00%
Carrier Product Product Type State Age Start Age End Year Start Year End #VALUE!
LSW Annuity LSW SPIA Fixed Annuity 0 999 1 1 1.26%
0.00%
Carrier Product Product Type State Age Start Age End Year Start Year End #VALUE!
LSW Annuity Retire One Fixed Annuity 0 70 1 1 3.14%
LSW Annuity Retire One Fixed Annuity 0 70 2 3 2.20%
LSW Annuity Retire One Fixed Annuity 0 70 4 5 1.36%
LSW Annuity Retire One Fixed Annuity 0 70 6 10 0.47%
LSW Annuity Retire One Fixed Annuity 71 75 1 1 2.67%
LSW Annuity Retire One Fixed Annuity 71 75 2 3 1.78%
LSW Annuity Retire One Fixed Annuity 71 75 4 5 1.15%
LSW Annuity Retire One Fixed Annuity 71 75 6 10 0.47%
LSW Annuity Retire One Fixed Annuity 76 80 1 1 2.04%
LSW Annuity Retire One Fixed Annuity 76 80 2 3 1.31%
LSW Annuity Retire One Fixed Annuity 76 80 4 5 0.68%
LSW Annuity Retire One Fixed Annuity 76 80 6 10 0.47%
LSW Annuity Retire One Fixed Annuity 81 85 1 1 1.78%
LSW Annuity Retire One Fixed Annuity 81 85 2 3 0.89%
LSW Annuity Retire One Fixed Annuity 81 85 4 10 0.47%
Carrier Product Product Type State Age Start Age End Year Start Year End
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 1 1 3.98%
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 2 4 3.04%
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 5 5 2.20%
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 6 6 2.14%
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 7 8 1.31%
LSW Annuity Retire Two Fixed Annuity Not TX 0 70 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity Not TX 71 75 1 1 3.98%
LSW Annuity Retire Two Fixed Annuity Not TX 71 75 2 5 2.20%
LSW Annuity Retire Two Fixed Annuity Not TX 71 75 6 8 1.31%
LSW Annuity Retire Two Fixed Annuity Not TX 71 75 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity Not TX 76 80 1 1 2.25%
LSW Annuity Retire Two Fixed Annuity Not TX 76 80 2 5 1.36%
LSW Annuity Retire Two Fixed Annuity Not TX 76 80 6 8 1.31%
LSW Annuity Retire Two Fixed Annuity Not TX 76 80 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity Not TX 81 85 1 1 2.20%
LSW Annuity Retire Two Fixed Annuity Not TX 81 85 2 6 1.31%
LSW Annuity Retire Two Fixed Annuity Not TX 81 85 7 10 0.47%
LSW Annuity Retire Two Fixed Annuity TX 0 58 1 1 4.40%
LSW Annuity Retire Two Fixed Annuity TX 0 58 2 4 3.04%
LSW Annuity Retire Two Fixed Annuity TX 0 58 5 5 2.20%
LSW Annuity Retire Two Fixed Annuity TX 0 58 6 6 2.14%
LSW Annuity Retire Two Fixed Annuity TX 0 58 7 8 1.31%
LSW Annuity Retire Two Fixed Annuity TX 0 58 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity TX 59 70 1 1 3.98%
LSW Annuity Retire Two Fixed Annuity TX 59 70 2 4 2.78%
LSW Annuity Retire Two Fixed Annuity TX 59 70 5 6 1.94%
LSW Annuity Retire Two Fixed Annuity TX 59 70 7 8 1.21%
LSW Annuity Retire Two Fixed Annuity TX 59 70 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity TX 71 75 1 1 3.33%
LSW Annuity Retire Two Fixed Annuity TX 71 75 2 5 1.94%
LSW Annuity Retire Two Fixed Annuity TX 71 75 6 8 1.21%
LSW Annuity Retire Two Fixed Annuity TX 71 75 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity TX 76 80 1 1 2.02%
LSW Annuity Retire Two Fixed Annuity TX 76 80 2 5 1.15%
LSW Annuity Retire Two Fixed Annuity TX 76 80 6 8 0.94%
LSW Annuity Retire Two Fixed Annuity TX 76 80 9 10 0.47%
LSW Annuity Retire Two Fixed Annuity TX 81 85 1 1 1.97%
LSW Annuity Retire Two Fixed Annuity TX 81 85 2 6 0.94%
LSW Annuity Retire Two Fixed Annuity TX 81 85 7 10 0.47%
Carrier Product Product Type State Age Start Age End Year Start Year End
LSW Annuity Retire Three Fixed Annuity 0 70 1 1 4.82%
LSW Annuity Retire Three Fixed Annuity 0 70 2 4 3.46%
LSW Annuity Retire Three Fixed Annuity 0 70 5 5 2.62%
LSW Annuity Retire Three Fixed Annuity 0 70 6 6 2.57%
LSW Annuity Retire Three Fixed Annuity 0 70 7 8 1.73%
LSW Annuity Retire Three Fixed Annuity 0 70 9 10 2.14%
LSW Annuity Retire Three Fixed Annuity 71 75 1 1 4.40%
LSW Annuity Retire Three Fixed Annuity 71 75 2 5 2.57%
LSW Annuity Retire Three Fixed Annuity 71 75 6 8 1.73%
LSW Annuity Retire Three Fixed Annuity 71 75 9 10 0.89%
Carrier Product Product Type State Age Start Age End Year Start Year End
LSW Annuity Retire Four Fixed Annuity 0 60 1 1 5.24%
LSW Annuity Retire Four Fixed Annuity 0 60 2 4 4.30%
LSW Annuity Retire Four Fixed Annuity 0 60 5 5 3.46%
LSW Annuity Retire Four Fixed Annuity 0 60 6 7 3.40%
LSW Annuity Retire Four Fixed Annuity 0 60 8 9 2.57%
LSW Annuity Retire Four Fixed Annuity 0 60 10 10 1.73%
LSW Annuity Retire Four Fixed Annuity 61 65 1 1 5.24%
LSW Annuity Retire Four Fixed Annuity 61 65 2 4 3.87%
LSW Annuity Retire Four Fixed Annuity 61 65 5 5 3.04%
LSW Annuity Retire Four Fixed Annuity 61 65 6 7 2.98%
LSW Annuity Retire Four Fixed Annuity 61 65 8 9 2.14%
LSW Annuity Retire Four Fixed Annuity 61 65 10 10 1.31%
LSW Annuity Retire Four Fixed Annuity 66 70 1 1 5.24%
LSW Annuity Retire Four Fixed Annuity 66 70 2 4 3.40%
LSW Annuity Retire Four Fixed Annuity 66 70 5 7 2.57%
LSW Annuity Retire Four Fixed Annuity 66 70 8 9 1.73%
LSW Annuity Retire Four Fixed Annuity 66 70 10 10 0.89%
LSW Annuity Retire Four Fixed Annuity 71 75 1 1 4.34%
LSW Annuity Retire Four Fixed Annuity 71 75 2 4 2.98%
LSW Annuity Retire Four Fixed Annuity 71 75 5 7 2.14%
LSW Annuity Retire Four Fixed Annuity 71 75 8 9 1.31%
LSW Annuity Retire Four Fixed Annuity 71 75 10 10 0.47%
Carrier Product Product Type State Age Start Age End Year Start Year End
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 1 1 3.21%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 2 4 3.04%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 5 5 2.20%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 6 6 2.14%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 7 8 1.31%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 0 58 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 1 1 2.99%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 2 4 2.82%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 5 5 2.20%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 6 6 2.14%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 7 8 1.31%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 59 70 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 71 75 1 1 2.41%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 71 75 2 5 2.20%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 71 75 6 8 1.31%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 71 75 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 76 80 1 1 1.82%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 76 80 2 5 1.15%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 76 80 6 8 1.10%
LSW Annuity Retire Five Fixed Annuity AK, AL, CA, DE, IL, MN, TX 76 80 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 1 1 3.21%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 2 4 3.04%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 5 5 2.20%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 6 6 2.14%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 7 8 1.31%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 0 70 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 71 75 1 1 2.58%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 71 75 2 5 2.20%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 71 75 6 8 1.31%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 71 75 9 10 0.47%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 76 80 1 1 2.03%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 76 80 2 5 1.36%
LSW Annuity Retire Five Fixed Annuity Not AK, AL, CA, DE, IL, MN, TX 76 80 6 8 1.31%
LSW Annuity Rew Growth Fixed Annuity 0 70 1 1 3.4%
LSW Annuity HZN Income Fixed Annuity 0 70 1 1 3.4%
Carrier Product Product Type State Age Start Age End Year Start Year End
LSW Annuity Fit Guaranteed Income Fixed Annuity 0 70 N/A N/A 3.14%
71 75 N/A N/A 2.35%
76 80 N/A N/A 1.57%
81 85 N/A N/A 0.78%
LSW Annuity Fit Foundation Fixed Annuity 0 70 N/A N/A 3.14%
71 75 N/A N/A 2.35%
76 80 N/A N/A 1.57%
81 85 N/A N/A 0.78%
LSW Annuity FIT Choice Fixed Annuity 0 70 N/A N/A 3.14%
71 75 N/A N/A 2.35%
76 80 N/A N/A 1.57%
81 85 N/A N/A 0.78%

AAG reserves the right to update any commissions or payment rules at it’s sole discretion and without notice.