A FED PRESIDENT WANTS TO KEEP RATES ON HOLD

Federal Reserve Bank of St. Louis thinks that because of the "unexpectedly low" price data that we're in a low inflationenvironment and there is no need to raise the interest rates His theory is one we should all monitor to try and get a handle on where the rest of the members are on this issue.

We believe that the following rates applied to the mortality scale MP-2016 will give you a pretty good indication of the price of a group annuity contract. Use the smaller rate for smaller contracts.