Equity Indexed
Annuity of the Month

Loyalty Rewards Escalator 12
issued by
Fidelity & Guaranty Life
P.O. Box 1137
Baltimore, MD 21203-1137
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Ratings
A.M. Best Company: A    Moody's: A3    Fitch: A-   

Policy Notes
A flexible premium deferred indexed annuity with four interest-crediting options. Three S&P 500 account options and a fixed account are available:

* 1-Year, S&P 500 Monthly Point to Point
* 1-Year, S&P 500 Annual Point to Point
* 1-Year, S&P 500 Monthly Average
* One Year Guaranteed Fixed Account

In addition, Loyalty Rewards Escalator 12 features a 12% Account Value Escalator which credits a bonus interest rate of 12% on any first year premium payments, credited at 1% annual interest rate for 12 years.

Also available in a 6, 8 and 10 year version. Please call an TampaBayInsuranceadvisors.com Specialist for more details, 727 945 9700.

Policy Issue Dates
Policies are issued on the 1st, 8th, 15th, and 22nd of each month. All premiums are held in a non-interest bearing account until the next issue date.

Reallocations
You may reallocate your account value between the options on each annuity anniversary as long as the minimum value in each sub-account selected is $2,000.

Available Accounts Equity Index Accounts
Participation Rates, Spreads and Caps - Last Change 08/01/06
Account Indexed to: Product Type Reset Averaging Participation Rate Spread Cap
Current Guar Min Current Guar Max Current Guar Min
Annual Point-to-Point S&P 500 Annual Ratchet Annually No 100.00 100.00 0.00 0.00 9.50 3.00
Monthly Averaging S&P 500 Annual Ratchet Annually Yes 100.00 100.00 0.00 0.00 12.00 3.00
Monthly Point-to-Point S&P 500 Annual Ratchet Annually No 100.00 100.00 0.00 0.00 3.20 1.00


Available Fixed Accounts
Fixed Interest Rates - Last Change 08/01/06
Account Indexed to: Years
Guaranteed		 Base Rate Bonus Rate Current Interest Rate Year 2 and thereafter Yield to Surrender
Current Guaranteed
Fixed Interest
1 Year

3.40% 1.50% minimum guarantee or greater


Primary Markets
Fixed: No    CD Type: No    Step Rate: No    TSA: No    Equity Index: Yes    Multi Strategy : No    SPIA: No   

Policy Provisions
Maximum Issue Age Owner NQ:  85     Maximum Issue Age Owner Q:  85
Maximum Issue Age Annuitant NQ:  85     Maximum Issue Age Annuitant Q:  85
Maximum Annuitization Age NQ:  95     Maximum Annuitization Age Q:  95
Minimum Single Premium NQ:  10000     Minimum Single Premium Q:  10000
Minimum Monthly Premium NQ:  0     Minimum Monthly Premium Q:  0
Minimum Additional Premium NQ:  2000     Minimum Additional Premium Q:  2000
Maximum Premium:  600000     Market Value Adjustment (MVA):  No
Loan Provision:  No     Net Loan Rate:  0
Free Look Period:  10     Rate Lock Protection:  60 days
RMD:  Yes     Form Number: 
Front End Fee:  No     Annual Maintenance Fee:  No

Withdrawal Charges
Policy Year    1    2    3    4    5    6    7 8 9 10 11 12 13
% Charge    17.50    16.50    15.50    14.50    13.50    12.50    11.50    10.50    9.50    8.50    7.50    6.50    0.00   

Also available in a 6, 8 and 10 year version. Please call an AnnuityAdvantage.com Specialist for more details, 1-800-239-0356.

Waiver of Withdrawal Charges
Death:  Yes            Hospitalization:  Yes
Disability:  No            Unemployment:  Yes
Terminal Illness:  Yes            Annuitization:  Yes
Nursing Home:  Yes

Withdrawal Notes
Death Benefit
Full account value upon death of the policy owner, unless the spouse of the first owner to die chooses to continue, or succeed to ownership of the policy. If the minimum guaranteed surrender value is greater than the account value, the minimum guaranteed surrender value will be paid.
Surrender Value
For a full surrender, the surrender values is the greater of:
The total account value, less surrender charges; or
The total minimum guaranteed surrender value.
Withdrawal Provision
Each year (after the first year), you may withdraw up to 10% of the account value as of the prior annuity anniversary.
Nursing Home Waiver
If the owner is confined to a licensed nursing home for more than 60 days beginning after the first year of the annuity, no surrender charges will be deducted from the account value upon a full or partial surrender.
Terminal Illness Waiver
If, after the first year of the annuity, the owner is diagnosed by a licensed physician as having an illness or condition resulting in a life expectancy of less than one year, Fidelity and Guaranty Life will not deduct a surrender charge from the account value upon a full or partial surrender.
Unemployment Waiver
If the owner is under the age of 65 and becomes unemployed any time after the annuity is issued, and remains unemployed for at least 30 consecutive days, Fidelity and Guaranty Life will not deduct a surrender charge from the account value upon a full or partial surrender, while the owner is unemployed.
Annuitization
Your account value may be annuitized after five years without surrender charges.

Systematic Withdrawals
Systematic Withdrawal:  Yes
Interest Only:  Yes           Interest Only Waiting Period:  365 Days
Accumulated Value:  Yes     Accumulated Value Waiting Period:  1 Year
Minimum Systematic Withdrawal Amount:  100.00     Minimum Account Value:  2000.00

Systematic Withdrawals Modes
Monthly:  Yes               Semi-Annually:  Yes
Quarterly:  Yes     Annually:  Yes

Plan Types
Non Qual.: Yes           IRA Trans: Yes           SEP: Yes           401k: No          
TSA: Yes           Profit Sharing: No           IRA: Yes           IRA Roll: Yes          
Sponsored IRA: Yes           401a: No 457: No Keogh: No          

Approved for Sale in the Following States
AK: Yes           AL: Yes           AR: Yes           AZ: Yes          
CA: Yes           CO: Yes           CT: No           DC: Yes          
DE: Yes           FL: Yes*         GA: Yes           HI: Yes          
IA: Yes           ID: Yes           IL: Yes           IN: Yes          
KS: Yes           KY: Yes           LA: Yes           MA: No          
MD: Yes          ME: Yes           MI: Yes           MN: No          
MO: Yes           MS: Yes           MT: Yes           NC: Yes          
ND: Yes           NE: Yes           NH: Yes           NJ: Yes          
NM: Yes           NV: Yes           NY: No           OH: Yes          
OK: No           OR: No           PA: Yes          RI: Yes          
SC: Yes           SD: Yes           TN: Yes           TX: Yes*         
UT: No           VA: Yes           VT: No         WA: No          
WI: Yes           WV: Yes           WY: Yes          
 
* State variation exists in application or features.

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