| Insurance Company | American Life & Security | Atlantic Coast Life | National Security Insurance | New Era Life New Era MW Phil Amer | American Life & Security | Farmers Life Insurance | National Security Insurance | New Era Life New Era MW Phil Amer | Heartland National Life | Heartland National Life |
| Name of Annuity | AmericanClassic3 | Safe Haven 3 | MYGA3 | Top Choice 3 | AmericanClassic5 | Safeguard+5 | MYGA5 | Top Choice 5 | SecureRate7 | SecureRate10 |
| Average Annual Yield | 5.65% | 5.90% | 5.75% | 5.50% | 5.70% | 5.80% | 5.85% | 5.80% | 5.80% | 5.80% |
| Initial Period Yield | 5.65% | 6.57% | 5.75% | 5.50% | 5.70% | 5.80% | 5.85% | 5.80% | 5.80% | 5.80% |
| Minimum Amount | $1,000 | $10,000 | $25,000(NQ) | $10,000 | $1,000 | $10,000 | $25,000(NQ) | $10,000 | $5,000 | $5,000 |
| New Rate-Effective Date | 1/17/2024 | 1/10/2024 | 9/18/2023 | 11/01/2023 | 1/17/2024 | 10/16/2023 | 10/16/2023 | 12/01/2023 | 1/01/2024 | 1/01/2024 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 5.81% Effective Rate w/ 0.45% Loyalty Bonus No W/D exc RMD | 5.57%Yrs 2-3 Optional Liquidity Riders available with Lower Rate | 5.55% on Internal Exchanges | 5.83% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD | 5.90% on Internal Exchanges | |||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | 1.00% | |||||||||
| Rate Guarantee Period | 3 Years | 3 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 Years | 10 Years |
| Planned Banded Base Rate | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Bail-Out Interest Rate | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Rate Guarantee After Initial Period | ||||||||||
| Minimum Rate Guarantee | 1.00% | 3.00% | 3.00% | 1.00% | 1.00% | 1.00% | 3.00% | 1.00% | 3.00% | 3.00% |
| After IP - Rate Subject To | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed |
| Funds Investment Type | MYGA | MYGA | MYGA | MYGA | MYGA | MYGA | MYGA | MYGA | MYGA | MYGA |
| FREE Annual Withd'l Amt | 10% of Prev Yr Ann Value | Option Rider | 10% of Acct Value | 100% Interest | 10% of Prev Yr Ann Value | 100% Interest Annual Reset | 10% of Acct Value | 100% Interest | Curr Yr Interest Annual Reset | Curr Yr Interest Annual Reset |
| Free Withdrawal Per Year | 1 (Yr2+) | Option | 1 (Yr2+) | 12 | 1 (Yr2+) | 12 | 1 (Yr2+) | 12 | 1 | 1 |
| Monthly Income Checks | Yes (Yr 2+) | Option ($100 min) | N/A | Yes ($125 min) | Yes (Yr 2+) | Yes ($100 min) | N/A | Yes ($125 min) | Yes ($100 min) | Yes ($100 min) |
| Surrender Charges for Year | 0-90 | 0 - 59 | 60-90 | 0-85 | 0-100 | 0-90 | 0-95 | 0-85 | 0-90 | 18-90 | 18-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% MVA+7% | MVA+9% | +8% MVA+8% | +7% MVA+7% | +6% | 9% 8% 7% | MVA+5% MVA+5% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | 9% 8% 7% 6% 5% | MVA+5% MVA+5% MVA+5% MVA+5% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% MVA+2.5% MVA+1.5% MVA+0.9% |
| Penalty Applied from DateOf | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | RRR | RRR | NONE | RRR | RRR | RRR | NONE | RRR | RRR |
| PenaltyWaived-PayOutOver | 5 Years w/MVA | NO | NO | 5 Years | 5 Years w/MVA | NO | NO | 5 Years | NO | NO |
| PenaltyWaived @ Death | Owner | Option | Owner | Owner | Owner | Owner | Owner | Owner | Owner | Owner |
| Annual Fees | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE |
| Additional Premium Allowed | NO | NO | NO | NO | NO | NO | NO | NO | NO | NO |
| Max. Issue Age - Owner | 90 | 90 | 85 | 100 | 90 | 95 | 85 | 90 | 90 | 90 |
| - Annuitant | 90 | 90 | 85 | 100 | 90 | 95 | 85 | 90 | 90 | 90 |
| Days Rate Held on Rollovers | Chg+30days | Chg+45days | AppDate+60 | HO Rec+60 | Chg+30days | AppDate+60 | AppDate+60 | HO Rec+60 | HO Rec+45 | HO Rec+45 |
| Free Look Period | 30 Days | 21 Days | 20 Days | 20 Days | 30 Days | 30 Days | 20 Days | 20 Days | 30 Days | 30 Days |
| Rating -A.M.Best | B++ | B++ | B++ | A- | B++ | B++ | B++ | A- | B++ | B++ |
| Company Assets(in Millions) | $1,870 | $693 | $57 | $645 | $1,870 | $138 | $57 | $645 | $16 | $16 |
| Year Company Founded | 1960 | 1925 | 1947 | 1924 | 1960 | 1997 | 1947 | 1924 | 1965 | 1965 |
| Home Office | Lincoln NE | Salt Lake City UT | Elba AL | Houston TX | Lincoln NE | Knoxville TN | Elba AL | Houston TX | Independence MO | Independence MO |
| Insurance Company Type | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve |
| Ultimate Parent Company | Midwest Holdings, Inc | Advantage Capital Partners | Nat'l Security Group | New Era Enterprises | Midwest Holdings, Inc | Arrowhead Capital Group | Nat'l Security Group | New Era Enterprises | Heartland National | Heartland National |
| 04/23 | 5.35% | 6.30% | 5.60% | 5.20% | 5.40% | 5.85% | 5.40% | |||
| 05/23 | 5.25% | 6.30% | 5.60% | 5.20% | 5.30% | NewAnnuity | 5.65% | 5.40% | ||
| 06/23 | 5.25% | 6.30% | 5.60% | 5.20% | 5.30% | 5.50% | 5.65% | 5.30% | ||
| 07/23 | 5.25% | 6.30% | 5.60% | 5.20% | 5.30% | 5.50% | 5.65% | 5.30% | ||
| 08/23 | 5.25% | 6.05% | 5.50% | 5.20% | 5.30% | 5.50% | 5.55% | 5.30% | ||
| 09/23 | 5.25% | 6.05% | 5.50% | 5.30% | 5.30% | 5.65% | 5.55% | 5.50% | ||
| 10/23 | 5.40% | 6.27% | 5.75% | 5.40% | 5.40% | 5.65% | 5.70% | 5.60% | ||
| 11/23 | 5.50% | 6.27% | 5.75% | 5.50% | 5.55% | 5.80% | 5.85% | 5.70% | ||
| 12/23 | 5.50% | 6.67% | 5.75% | 5.50% | 5.55% | 5.80% | 5.85% | 5.80% | ||
| 01/24 | 5.50% | 6.67% | 5.75% | 5.50% | 5.55% | 5.80% | 5.85% | 5.80% | ||
| 02/24 | 5.65% | 6.57% | 5.75% | 5.50% | 5.70% | 5.80% | 5.85% | 5.80% | ||
| 03/24 | 5.65% | 6.57% | 5.75% | 5.50% | 5.70% | 5.80% | 5.85% | 5.80% | NewHistory | NewHistory |
| 04/24 | 5.65% | 6.57% | 5.75% | 5.50% | 5.70% | 5.80% | 5.85% | 5.80% | 5.80% | 5.80% |