| 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/ | AmFirst Insurance Company | American Life & Security | New Era Life New Era MW Phil Amer | American Life & Security | Farmers Life Insurance | Heartland National Life | New Era Life New Era MW Phil Amer | Farmers Life Insurance | Heartland National Life | Heartland National Life |
| Name of Annuity | WaypointMYGA2 | AmericanClassic3 | TopChoice3 | AmericanClassic5 | Safeguard+5 | SecureRate5 | TopChoice5 | Safeguard+7 | SecureRate7 | SecureRate10 |
| Projected Average Yield | 5.25% | 5.30%ê | 5.30% | 5.40%ê | 5.60%ê | 5.70%ê | 5.60% | 5.40% | 5.75%ê | 5.75%ê |
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 Years | 7 Years | 10 Years |
| Initial Rate | 5.25% | 5.30% | 5.30% | 5.40% | 5.60% | 5.70% | 5.60% | 5.40% | 5.75% | 5.75% |
| Minimum Amount | $100,000 5.00% $20,000- $99,999 | 5.46% Effective Rate w/ 0.45% Loyalty Bonus No W/D exc RMD $1,000 | $10,000 | 5.53% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD $1,000 | $10,000 | $5,000 | $10,000 | $10,000 | $5,000 | $5,000 |
| Effective Date | 8/28/2024 | 8/19/2024 | 9/01/2024 | 8/19/2024 | 8/27/2024 | 8/24/2024 | 9/01/2024 | 8/27/2024 | 8/24/2024 | 8/24/2024 |
| New Rate- Effective Date | 4.90% on 9/16/2024 | 5.00% on 9/16/2024 | 5.45% on 9/21/2024 | 5.55% on 9/13/2024 | 5.65% on 9/13/2024 | 5.70% on 9/13/2024 | ||||
| Surrender Length | 2 | 3 | 3 | 5 | 5 | 5 | 5 | 7 | 7 | 10 |
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.