| FORMAT [Instructions] |  Top 10 in Microsoft Word format |  Top 10 in Acrobat PDF format |  Top 10 Front Page as Web Page |
| Required Program | Microsoft Word 97 or Get Word Viewer | Adobe Acrobat or Get Adobe Reader | None |
| Recommended for | Quality Printing | Fast Printing | Quick Viewing /Feature Description |
| Insurance Company/ | Investors Heritage Life | Liberty Bankers & Capitol Life | Guaranty Income | New Era Life New Era MW Phil Amer | Atlantic Coast Life | Equitable Life and Casualty | Investors Heritage Life | PHL Variable (Nassau RE) | Guaranty Income | Investors Heritage Life |
| Name of Annuity | HeritageBldr3 | Bankers Elite 3 | Guaranty 4 | SecChoice5 | Safe Haven 5 | SecureSavings | HeritageBldr5 | Nassau5X | Guaranty 6 | HeritageBldr7 |
| Projected Average Yield | 3.10%ê | 3.25% | 3.00% | 3.95% | 4.00% | 4.00% | 4.00%ê | 3.85% | 4.10% | 4.10%ê |
| Rate Guarantee Period | 3 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 Years | 7 Years |
| Initial Rate | 3.10% | 3.25% | 3.00% | 3.95% | 4.80% | 4.00% | 4.00% | 3.85% | 4.10% | 4.10% |
| Minimum Amount | $50,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 | 3.80% Years 2-5 $5,000 | $10,000 ($6,000 Q) | $50,000 | $15,000 | $5,000 ($2,000 Q) | $50,000 |
| Effective Date | 10/01/18 | 10/01/18 | 10/01/18 | 11/01/18 | 7/09/18 | 7/16/18 | 10/01/18 | 1/01/19 | 11/01/18 | 10/01/18 |
| New Rate- Effective Date | 2.90% on 01/26/19 | 3.50% on 01/26/19 | 3.60% on 01/26/19 | |||||||
| Surrender Length | 3 | 3 | 4 | 5 | 5 | 5 | 5 | 5 | 6 | 7 |
The Annuities listed in the Top 10 are approved in Texas. Rates and features are applicable for Texas. The annuities may not be approved in other states.