Morningstar Advisor - April/May 2010 - 77

Market Share

Annual Con- Max. CDSC or tract Charges Front Load

CDSC Years

GMWB

GMIB

GMAB

Living Benefit Charge Range

Largest Subaccount by 12/31/09 Assets

Share of Total Assets

5.11% 4.45% 3.66% 3.33% 3.13% 2.76% 2.70% 2.60% 2.25% 2.20% 1.86% 1.76% 1.58% 1.52% 1.51% 1.50% 1.44% 1.28% 1.24% 1.21% 1.14% 1.14% 1.12% 1.11% 1.09% 1.08% 1.08% 1.02% 1.00% 0.93% 0.90% 0.90% 0.88% 0.85% 0.80% 0.80% 0.79% 0.79% 0.76% 0.75% 0.75% 0.70% 0.60% 0.58% 0.56% 0.55% 0.54% 0.52% 0.52% 0.52%

1.39% 1.79% 1.31% 1.74% 1.79% 1.17% 1.72% 1.39% 1.27% 1.37% 1.60% 1.42% 1.64% 1.37% 1.85% 1.67% 1.45% 1.74% 1.65% 1.52% 1.77% 1.77% 1.37% 1.39% 1.80% 1.29% 1.31% 1.42% 0.73% 1.37% 0.35% 1.52% 1.82% 0.92% 1.44% 0.87% 1.47% 1.79% 1.55% 1.31% 1.42% 1.77% 1.77% 1.40% 1.22% 1.42% 1.27% 1.27% 1.27% 1.79%

8.00% 8.50% 5.00% 8.00% 9.00% 7.00% 7.00% 7.50% 6.00% 8.00% 8.50% 7.00% 7.00% 7.00% 8.00% 9.00% 7.00% 7.00% 6.00% 7.00% 6.00% 7.00% 7.00% 7.00% 7.00% 7.00% 7.00% 7.00% 5.75% 7.00% 0.00% 8.00% 8.00% 5.50% 8.00% 5.75% 8.00% 8.00% 8.00% 7.00% 7.00% 7.00% 8.00% 9.00% 7.00% 7.00% 7.00% 7.00% 7.00% 0.00%

5 4 5 4 10 7 4 8 7 9 7 7 4 7 4 9 7 4 3 3 4 3 7 7 4 7 6 3 0 7 0 8 9 0 7 0 8 4 7 7 7 4 4 7 7 7 3 7 7 0

Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y

N N N N N N Y N N Y N Y N Y N N Y Y N Y N Y N Y Y N Y N Y N N N Y N N Y N N N N Y N Y Y Y Y Y N N N

Y Y N Y Y Y N Y N N Y N Y N N Y N N N Y N Y N N N Y Y Y N Y N N N N Y N N Y N Y Y N Y Y Y Y N Y Y Y

0.45%–1.25% 0.60%–1.20% 0.65%–0.65% 0.45%–1.25% 0.60%–1.20% 0.95%–1.25% 0.50%–1.50% 0.60%–1.20% 0.90%–0.90% 0.55%–1.50% 0.80%–1.20% 0.50%–1.50% 0.60%–1.20% 0.55%–1.50% 1.10%–1.30% 0.60%–1.20% 0.40%–0.90% 0.40%–0.90% No LBs 0.45%–1.40% 1.00%–1.20% 0.40%–1.05% 0.75%–1.15% 0.40%–0.90% 0.40%–0.90% 0.60%–1.20% 0.40%–1.05% 0.95%–1.25% 0.40%–0.90% 0.35%–0.85% No LBs 1.00%–1.20% 0.55%–1.50% 0.90%–0.90% 0.15%–1.25% 0.25%–1.00% 0.25%–1.25% 0.15%–1.25% 1.10%–1.30% 0.45%–0.95% 0.50%–1.00% 0.75%–0.75% 0.50%–1.00% 0.40%–1.05% 0.15%–1.00% 0.50%–1.00% 0.55%–1.50% 0.15%–1.00% 0.15%–1.00% 0.60%–1.20%

JNL Psp 2-Fixed AS APEX2-Fixed VALIC PD-Fixed JNL PspLFVA-Fixed AS XC6-Fixed RiverSource VP Diversified Bond Met Invt Ser MetLife Gr Strat B AS AP3-Fixed JHT Lifestyle Growth Series II Met PrefPrm-Fixed AZL Fusion Moderate Met Invt Ser MetLife Balanced Strat B AST Capital Growth Asset Allocation Met Pref+Sl-Fixed SC Goldman Sachs Short Duration Initial AST Capital Growth Asset Allocation American Funds IS Growth-Income 2 American Funds IS Growth 2 JHT Lifestyle Growth Series II PIMCO VIT Total Return Admin ING Retirement Growth Class Adv Pacific Select Inflation Managed Hartford Capital Appreciation HLS IA American Funds IS Growth 2 American Funds IS Growth 2 AST Capital Growth Asset Allocation Pacific Select Inflation Managed RiverSource VP Diversified Bond LVIP Delaware Bond Svc Thrivent Ser Moderate Allocation Fidelity VIP Money Market Inv ING Retirement Growth Class Adv MetInv XTRA-Fixed JHT American Asset Allc Tr Ser III Transamerica Asset Allc Mod Gr VP SC Met Invt Ser MetLife Balanced Strat B American Funds IS Growth 2 Transamerica Asset Allc Mod Gr VP SC MFS Var Ins Tr II Total Return SC MML Ser Inv Fund Growth Allocation Svc AXA Moderate-Plus Allc B Hartford Capital Appreciation HLS IA AXA Moderate-Plus Allc B Pacific Select Managed Bond American Funds NVIT Asset Allocation II AXA Moderate Allocation B Metropolitan Ser Mod Agrsv Allocation B NVIT Inv Dest Moderate 2 NVIT Inv Dest Moderate 2 AS LV2-Fixed

14% 14% 43% 13% 18% 12% 18% 13% 30% 22% 10% 18% 15% 26% 7% 15% 19% 10% 29% 12% 12% 9% 13% 9% 18% 14% 8% 13% 13% 38% 14% 13% 22% 10% 12% 24% 10% 43% 7% 11% 23% 12% 23% 8% 11% 29% 11% 8% 19% 14%

GMAB Guaranteed Minimum Accumulation Benefit

CDSC Contingent Deferred Sales Charge

* Excludes 403(b) and other products sold primarily into group plans

MorningstarAdvisor.com 77


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Morningstar Advisor - April/May 2010

Table of Contents for the Digital Edition of Morningstar Advisor - April/May 2010

Morningstar Advisor - April/May 2010
Contents
New On MorningstarAdvisor.com
Contributors
Letter from the Editor
Our Job: Building Better Investors
What’s Your Biggest Long-term Concern for the Economy?
An Early Start
Women’s Work
Investment Briefs
Markowitz 2.0
Asset Allocation Is King
A Decade of Riskier Assets ...
... but with plenty of Silver Linings
Be Prepared
Facing up to the Economy’s Problems
Levelheaded
Surviving on Conviction
Four Picks for the Present
Pharmaceutical Firms Get the Urge to Merge
Funds That Look Cheaper Than the Market
Finding Dividend Leaders
Mutual Fund Analyst Picks
50 Most Popular ETFs
Undervalued Stocks with Wide Moats
VAs: Assets Rise as New Sales Slip
New at Morningstar
When You Wish Upon a Star
Morningstar Advisor - April/May 2010 - Morningstar Advisor - April/May 2010
Morningstar Advisor - April/May 2010 - Cover2
Morningstar Advisor - April/May 2010 - 1
Morningstar Advisor - April/May 2010 - 2
Morningstar Advisor - April/May 2010 - Contents
Morningstar Advisor - April/May 2010 - 4
Morningstar Advisor - April/May 2010 - 5
Morningstar Advisor - April/May 2010 - New On MorningstarAdvisor.com
Morningstar Advisor - April/May 2010 - 7
Morningstar Advisor - April/May 2010 - Contributors
Morningstar Advisor - April/May 2010 - Letter from the Editor
Morningstar Advisor - April/May 2010 - 10
Morningstar Advisor - April/May 2010 - Our Job: Building Better Investors
Morningstar Advisor - April/May 2010 - 12
Morningstar Advisor - April/May 2010 - 13
Morningstar Advisor - April/May 2010 - What’s Your Biggest Long-term Concern for the Economy?
Morningstar Advisor - April/May 2010 - 15
Morningstar Advisor - April/May 2010 - An Early Start
Morningstar Advisor - April/May 2010 - 17
Morningstar Advisor - April/May 2010 - Women’s Work
Morningstar Advisor - April/May 2010 - 19
Morningstar Advisor - April/May 2010 - Investment Briefs
Morningstar Advisor - April/May 2010 - 21
Morningstar Advisor - April/May 2010 - Markowitz 2.0
Morningstar Advisor - April/May 2010 - 23
Morningstar Advisor - April/May 2010 - 24
Morningstar Advisor - April/May 2010 - 25
Morningstar Advisor - April/May 2010 - 26
Morningstar Advisor - April/May 2010 - 27
Morningstar Advisor - April/May 2010 - Asset Allocation Is King
Morningstar Advisor - April/May 2010 - 29
Morningstar Advisor - April/May 2010 - 30
Morningstar Advisor - April/May 2010 - 31
Morningstar Advisor - April/May 2010 - 32
Morningstar Advisor - April/May 2010 - 33
Morningstar Advisor - April/May 2010 - A Decade of Riskier Assets ...
Morningstar Advisor - April/May 2010 - ... but with plenty of Silver Linings
Morningstar Advisor - April/May 2010 - 36
Morningstar Advisor - April/May 2010 - Be Prepared
Morningstar Advisor - April/May 2010 - 38
Morningstar Advisor - April/May 2010 - 39
Morningstar Advisor - April/May 2010 - 40
Morningstar Advisor - April/May 2010 - 41
Morningstar Advisor - April/May 2010 - 42
Morningstar Advisor - April/May 2010 - 43
Morningstar Advisor - April/May 2010 - Facing up to the Economy’s Problems
Morningstar Advisor - April/May 2010 - 45
Morningstar Advisor - April/May 2010 - 46
Morningstar Advisor - April/May 2010 - 47
Morningstar Advisor - April/May 2010 - 48
Morningstar Advisor - April/May 2010 - 49
Morningstar Advisor - April/May 2010 - Levelheaded
Morningstar Advisor - April/May 2010 - 51
Morningstar Advisor - April/May 2010 - 52
Morningstar Advisor - April/May 2010 - 53
Morningstar Advisor - April/May 2010 - Surviving on Conviction
Morningstar Advisor - April/May 2010 - 55
Morningstar Advisor - April/May 2010 - 56
Morningstar Advisor - April/May 2010 - 57
Morningstar Advisor - April/May 2010 - Four Picks for the Present
Morningstar Advisor - April/May 2010 - 59
Morningstar Advisor - April/May 2010 - 60
Morningstar Advisor - April/May 2010 - Pharmaceutical Firms Get the Urge to Merge
Morningstar Advisor - April/May 2010 - 62
Morningstar Advisor - April/May 2010 - 63
Morningstar Advisor - April/May 2010 - Funds That Look Cheaper Than the Market
Morningstar Advisor - April/May 2010 - 65
Morningstar Advisor - April/May 2010 - Finding Dividend Leaders
Morningstar Advisor - April/May 2010 - 67
Morningstar Advisor - April/May 2010 - Mutual Fund Analyst Picks
Morningstar Advisor - April/May 2010 - 69
Morningstar Advisor - April/May 2010 - 70
Morningstar Advisor - April/May 2010 - 71
Morningstar Advisor - April/May 2010 - 50 Most Popular ETFs
Morningstar Advisor - April/May 2010 - 73
Morningstar Advisor - April/May 2010 - Undervalued Stocks with Wide Moats
Morningstar Advisor - April/May 2010 - 75
Morningstar Advisor - April/May 2010 - VAs: Assets Rise as New Sales Slip
Morningstar Advisor - April/May 2010 - 77
Morningstar Advisor - April/May 2010 - 78
Morningstar Advisor - April/May 2010 - New at Morningstar
Morningstar Advisor - April/May 2010 - When You Wish Upon a Star
Morningstar Advisor - April/May 2010 - Cover3
Morningstar Advisor - April/May 2010 - Cover4
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