| 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 | Heartland National Life | Upstream Life | American Life & Security | Farmers Life Insurance | Heartland National Life | New Era Life New Era MW Phil Amer | Sentinel Security Life | Heartland National Life | Sentinel Security Life |
| Name of Annuity | WaypointMYGA2 | SecureRate 3 | SecureLegacy3 | AmericanClassic5 | Safeguard+5 | SecureRate 5 | TopChoice5 | PersonalChoice7 | SecureRate 10 | PersonalChoice10 |
| Projected Average Yield | 5.00% | 5.20% | 5.90% | 5.45% | 6.00% | 5.60% | 5.65% | 6.25% | 5.70% | 6.25% |
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 Years | 10 Years | 10 Years |
| Initial Rate | 5.00% | 5.20% | 5.90% | 5.45% | 6.00% | 5.60% | 5.65% | 6.25% | 5.70%% | 6.25% |
| Minimum Amount | $100,000 4.70% $20,000- $99,999 | $10,000 | Death Benefit Rider Cost - 0.25% $10,000 | 5.58% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD $1,000 | No Riders Selected at this Rate $5,000 | $10,000 | $10,000 | Optional Liquidity Riders Available with Lower Rate $10,000 | $5,000 | Optional Liquidity Riders Available with Lower Rate $10,000 |
| Effective Date | 04/16/2025 | 06/20/2026 | 04/15/2026 | 04/07/2026 | 04/01/2026 | 06/20/2026 | 05/01/2026 | 03/23/2026 | 06/20/2026 | 03/23/2026 |
| New Rate- Effective Date | ||||||||||
| Surrender Length | 2 | 3 | 3 | 5 | 5 | 5 | 5 | 7 | 10 | 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.