| 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 | New Era Life New Era MW Phil Amer | Upstream Life | AmFirst Insurance Company | Farmers Life Insurance | New Era Life New Era MW Phil Amer | Upstream Life | Farmers Life Insurance | Heartland National Life | Heartland National Life |
| Name of Annuity | WaypointMYGA2 | TopChoice3 | SecureLegacy3 | WaypointMYGA5 | Safeguard+5 | TopChoice5 | SecureLegacy5 | Safeguard+7 | SecureRate7 | SecureRate10 |
| Projected Average Yield | 5.20% | 5.15% | 6.00% | 5.55% | 5.40% | 5.50% | 5.95% | 5.40% | 5.45% | 5.55% |
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 7 Years | 5 Years | 5 Years | 7 Years | 7 Years | 10 Years |
| Initial Rate | 5.20% | 5.15% | 6.00% | 5.55% | 5.40% | 5.50% | 5.95% | 5.40% | 5.45% | 5.55% |
| Minimum Amount | $100,000 4.90% $20,000- $99,999 | $10,000 | $10,000 | $100,000 5.20% $20,000- $99,999 | $10,000 | $10,000 | $10,000 | $10,000 | $5,000 | $5,000 |
| Effective Date | 11/22/2024 | 11/01/2024 | 5/31/2024 | 11/22/2024 | 10/05/2024 | 11/01/2024 | 5/31/2024 | 8/27/2024 | 10/25/2024 | 10/25/2024 |
| New Rate- Effective Date | ||||||||||
| 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.