Morningstar Advisor - Spring 2008 - 93

Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 12/31/07 Assets Share of Total Assets 3.06% 2.81% 2.77% 2.34% 2.03% 1.94% 1.78% 1.73% 1.69% 1.64% 1.56% 1.43% 1.41% 1.38% 1.32% 1.31% 1.26% 1.08% 1.04% 1.04% 1.04% 0.98% 0.97% 0.94% 0.93% 0.92% 0.88% 0.85% 0.83% 0.82% 0.79% 0.74% 0.73% 0.67% 0.66% 0.63% 0.62% 0.62% 0.61% 0.60% 0.58% 0.57% 0.56% 0.55% 0.54% 0.53% 0.52% 0.48% 0.46% 0.45% 1.17% 1.39% 1.40% 1.77% 1.37% 0.79% 1.47% 1.27% 1.40% 1.82% 1.77% 1.79% 1.27% 1.74% 1.80% 1.52% 1.52% 1.67% 1.71% 1.74% 1.52% 0.25% 1.45% 1.22% 1.42% 0.73% 1.31% 1.42% 1.22% 1.42% 1.65% 1.71% 1.72% 1.72% 1.52% 1.27% 1.37% 1.57% 0.99% 1.27% 1.39% 1.27% 1.69% 1.82% 0.79% 1.51% 1.64% 1.31% 0.97% 1.51% 8.00% 8.50% 6.00% 7.00% 7.00% 9.00% 7.00% 6.00% 9.00% 7.00% 6.00% 8.50% 7.00% 8.00% 7.00% 8.00% 8.00% 8.00% 8.00% 7.00% 8.00% 0.00% 7.00% 7.00% 7.00% 5.75% 7.00% 8.00% 7.00% 8.00% 8.00% 8.50% 7.00% 7.00% 7.00% 8.00% 7.00% 6.00% 5.75% 7.00% 7.00% 7.00% 9.00% 8.00% 7.50% 7.00% 8.50% 7.00% 5.50% 7.00% 10 7 3 3 7 10 7 7 7 4 4 4 7 4 4 8 4 9 9 4 4 0 7 7 3 0 6 8 7 8 4 9 4 4 3 9 7 6 0 7 7 7 9 8 8 4 9 7 0 7 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y — Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y — Y — Y Y Y — — Y — Y Y — Y Y Y Y Y Y Y Y — Y Y — Y Y Y Y Y — — — Y Y Y — Y — — Y — Y — Y — Y Y — — Y Y Y Y Y Y — Y Y — — Y — Y — — Y Y — — — — — Y Y Y Y Y Y Y — — Y Y Y Y — — Y — Y Y — Y Y — Y — Y 0.60% – 0.85% 0.20% – 1.15% 0.40% – 0.65% 0.25% – 0.85% 0.50% – 0.80% 0.25% – 0.75% 0.20% – 0.50% 0.40% – 0.65% 0.25% – 0.85% 0.20% – 0.50% 0.60% – 0.85% 0.25% – 0.75% 0.20% – 0.50% 0.20% – 1.15% 0.00% – 0.80% 0.60% – 0.85% 0.50% – 0.80% 0.50% – 0.80% 0.60% – 0.85% 0.00% – 0.80% 0.60% – 0.75% None 0.00% – 0.80% 0.50% – 0.80% 0.60% – 0.85% 0.00% – 0.80% 0.25% – 0.85% 0.50% – 0.80% 0.50% – 0.75% 0.50% – 0.75% 0.35% - 0.85% 0.40% - 0.65% 0.20% - 0.50% 0.50% - 0.80% 0.25% - 0.70% 0.50% – 0.80% 0.55% – 0.85% 0.00% – 0.85% 0.50% – 0.95% 0.50% – 0.60% 0.00% – 0.80% 0.50% – 0.60% 0.35% – 0.75% 0.20% – 0.50% 0.25% – 0.75% 0.00% – 0.90% 0.00% – 0.80% 0.45% – 0.85% 0.20% – 0.50% 0.00% – 0.90% RiverSource VP Diversified Bond JNL/Mellon Cap Mgmt JNL 5 A JHTrust Lifestyle Growth Series II Pacific Select Fund Inflation Managed Met Pref+Sl–FIX(ED) AST Capital Growth Asset Allocation American Funds Ins Ser Growth–Income 2 JHTrust Lifestyle Growth Series II Pacific Select Fund Inflation Managed Franklin Strategic Income Securities Cl1 ING LifeStyle Growth S1 AST Capital Growth Asset Allocation Hartford Capital Appreciation HLS IA JNL/Mellon Cap Mgmt JNL 5 A American Funds Ins Ser Growth–Income 2 ING LifeStyle Growth S1 AXA Premier VIP Moderate–Plus Alloc B Met Invt Ser Tr Metlf Growth Strat Prt B ING LifeStyle Growth S1 American Funds Ins Ser Growth 2 AXA Premier VIP Moderate–Plus Alloc B Fidelity VIP Money Market Inv American Funds Ins Ser Growth–Income 2 AXA Premier VIP Moderate–Plus Alloc B RiverSource VP Diversified Bond American Funds Ins Ser Growth-Income 2 PacLf Voy–FIX(ED) AXA Premier VIP Moderate–Plus Alloc B AXA Premier VIP Moderate–Plus Alloc B AXA Premier VIP Moderate–Plus Alloc B PIMCO VIT Low Duration Admin JHTrust Lifestyle Growth Series II Hartford Disciplined Equity HLS IA Met Invt Ser Tr Metlf Growth Strat Prt B Ohio ONcrLt–FIX(ED) Metropolitan Ser Mod–Aggr Allocation B Thrivent Ser Moderate Allocation GE Investments Funds Total Return 1 Sun Pol2APl–FIX(ED) Nationwide NVIT Inv Dest Moderate 2 American Funds Ins Ser Growth 2 Nationwide NVIT Inv Dest Mod Agg 2 AST Capital Growth Asset Allocation American Funds Ins Ser Glb Growth 2 AST Capital Growth Asset Allocation AIG PolCh3–FIX(ED) American Funds Ins Ser Growth 2 Fidelity VIP Contrafund IC American Funds Ins Ser Glb Growth 2 SunAmerica Series Tr Davis Vent Value 3 13% 18% 35% 9% 23% 18% 13% 42% 8% 52% 13% 18% 21% 23% 18% 11% 30% 31% 7% 12% 31% 22% 24% 29% 13% 22% 12% 29% 27% 26% 14% 22% 16% 45% 10% 11% 33% 16% 17% 23% 12% 9% 32% 85% 20% 13% 10% 9% 91% 8% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 93
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Morningstar Advisor - Spring 2008

Table of Contents for the Digital Edition of Morningstar Advisor - Spring 2008

Morningstar Advisor - Spring 2008
Contents
Letter from the Editor
Inbox
Do You Use Annuities with Living Benefit Guarantees?
Managers Who Actively Enrich Shareholders
Staying Out of the Silos
Investment Briefs
Let’s Not All Become Fundamental Indexers Just Yet
Volatility Potential
Adding the Income Dimension
Do’s and Don’ts of RMDs
An Attractive Yield is Only Skin Deep
Mutual Funds Get in the Game
Beyond Target Date
The Last Holdout
A Bird of a Different Feather
First-Class Thinker
Sleep Like a Baby
Is Health Care Immune to a Recession?
Anatomy of a Mutual Fund Disaster
Embrace Your Inner Contrarian
Risks Worth Taking
Mutual Fund Analyst Picks
Undervalued Stocks
Most Popular Variable Annuities
New at Morningstar and on MorningstarAdvisor.com
Back to the Garden
Morningstar Advisor - Spring 2008 - Intro
Morningstar Advisor - Spring 2008 - Morningstar Advisor - Spring 2008
Morningstar Advisor - Spring 2008 - Cover2
Morningstar Advisor - Spring 2008 - 1
Morningstar Advisor - Spring 2008 - 2
Morningstar Advisor - Spring 2008 - Contents
Morningstar Advisor - Spring 2008 - 4
Morningstar Advisor - Spring 2008 - 5
Morningstar Advisor - Spring 2008 - 6
Morningstar Advisor - Spring 2008 - Letter from the Editor
Morningstar Advisor - Spring 2008 - 8
Morningstar Advisor - Spring 2008 - Inbox
Morningstar Advisor - Spring 2008 - Do You Use Annuities with Living Benefit Guarantees?
Morningstar Advisor - Spring 2008 - 11
Morningstar Advisor - Spring 2008 - Managers Who Actively Enrich Shareholders
Morningstar Advisor - Spring 2008 - 13
Morningstar Advisor - Spring 2008 - 14
Morningstar Advisor - Spring 2008 - Staying Out of the Silos
Morningstar Advisor - Spring 2008 - 16
Morningstar Advisor - Spring 2008 - 17
Morningstar Advisor - Spring 2008 - Investment Briefs
Morningstar Advisor - Spring 2008 - 19
Morningstar Advisor - Spring 2008 - 20
Morningstar Advisor - Spring 2008 - 21
Morningstar Advisor - Spring 2008 - Let’s Not All Become Fundamental Indexers Just Yet
Morningstar Advisor - Spring 2008 - 23
Morningstar Advisor - Spring 2008 - 24
Morningstar Advisor - Spring 2008 - 25
Morningstar Advisor - Spring 2008 - Volatility Potential
Morningstar Advisor - Spring 2008 - 27
Morningstar Advisor - Spring 2008 - 28
Morningstar Advisor - Spring 2008 - 29
Morningstar Advisor - Spring 2008 - 30
Morningstar Advisor - Spring 2008 - 31
Morningstar Advisor - Spring 2008 - Adding the Income Dimension
Morningstar Advisor - Spring 2008 - 33
Morningstar Advisor - Spring 2008 - 34
Morningstar Advisor - Spring 2008 - 35
Morningstar Advisor - Spring 2008 - Do’s and Don’ts of RMDs
Morningstar Advisor - Spring 2008 - 37
Morningstar Advisor - Spring 2008 - 38
Morningstar Advisor - Spring 2008 - 39
Morningstar Advisor - Spring 2008 - An Attractive Yield is Only Skin Deep
Morningstar Advisor - Spring 2008 - 41
Morningstar Advisor - Spring 2008 - Mutual Funds Get in the Game
Morningstar Advisor - Spring 2008 - 43
Morningstar Advisor - Spring 2008 - 44
Morningstar Advisor - Spring 2008 - 45
Morningstar Advisor - Spring 2008 - 46
Morningstar Advisor - Spring 2008 - Beyond Target Date
Morningstar Advisor - Spring 2008 - 48
Morningstar Advisor - Spring 2008 - 49
Morningstar Advisor - Spring 2008 - 50
Morningstar Advisor - Spring 2008 - 51
Morningstar Advisor - Spring 2008 - 52
Morningstar Advisor - Spring 2008 - The Last Holdout
Morningstar Advisor - Spring 2008 - 54
Morningstar Advisor - Spring 2008 - 55
Morningstar Advisor - Spring 2008 - 56
Morningstar Advisor - Spring 2008 - 57
Morningstar Advisor - Spring 2008 - 58
Morningstar Advisor - Spring 2008 - 59
Morningstar Advisor - Spring 2008 - A Bird of a Different Feather
Morningstar Advisor - Spring 2008 - 61
Morningstar Advisor - Spring 2008 - 62
Morningstar Advisor - Spring 2008 - 63
Morningstar Advisor - Spring 2008 - First-Class Thinker
Morningstar Advisor - Spring 2008 - 65
Morningstar Advisor - Spring 2008 - 66
Morningstar Advisor - Spring 2008 - 67
Morningstar Advisor - Spring 2008 - Sleep Like a Baby
Morningstar Advisor - Spring 2008 - 69
Morningstar Advisor - Spring 2008 - 70
Morningstar Advisor - Spring 2008 - 71
Morningstar Advisor - Spring 2008 - 72
Morningstar Advisor - Spring 2008 - 73
Morningstar Advisor - Spring 2008 - Is Health Care Immune to a Recession?
Morningstar Advisor - Spring 2008 - 75
Morningstar Advisor - Spring 2008 - Anatomy of a Mutual Fund Disaster
Morningstar Advisor - Spring 2008 - 77
Morningstar Advisor - Spring 2008 - Embrace Your Inner Contrarian
Morningstar Advisor - Spring 2008 - 79
Morningstar Advisor - Spring 2008 - Risks Worth Taking
Morningstar Advisor - Spring 2008 - 81
Morningstar Advisor - Spring 2008 - 82
Morningstar Advisor - Spring 2008 - Mutual Fund Analyst Picks
Morningstar Advisor - Spring 2008 - 84
Morningstar Advisor - Spring 2008 - 85
Morningstar Advisor - Spring 2008 - 86
Morningstar Advisor - Spring 2008 - 87
Morningstar Advisor - Spring 2008 - 88
Morningstar Advisor - Spring 2008 - Undervalued Stocks
Morningstar Advisor - Spring 2008 - 90
Morningstar Advisor - Spring 2008 - 91
Morningstar Advisor - Spring 2008 - Most Popular Variable Annuities
Morningstar Advisor - Spring 2008 - 93
Morningstar Advisor - Spring 2008 - 94
Morningstar Advisor - Spring 2008 - New at Morningstar and on MorningstarAdvisor.com
Morningstar Advisor - Spring 2008 - Back to the Garden
Morningstar Advisor - Spring 2008 - Cover3
Morningstar Advisor - Spring 2008 - Cover4
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