| Insurance Company | American Life & Security | Guaranty Income Life | New Era Life New Era MW Phil Amer | Guaranty Income Life | American Life & Security | Guaranty Income Life | Americo Financial Life | Life of the Southwest | New Era Life New Era MW Phil Amer | Americo Financial Life |
| Name of Annuity | AmericanClassic3 | GuarRateLock3 | SecChoice3 | GuarRateLock4 | AmericanClassic5 | GuarRateLock5 | PlatinumAssure5 | RM Secure 5 | SecChoice5 | PlatinumAssure7 |
| Average Annual Yield | 5.20% | 4.80% | 5.00% | 4.90% | 5.40% | 5.10% | 5.40% | 5.25% | 5.30% | 5.50% |
| Initial Period Yield | 5.20% | 5.20% | 5.00% | 4.90% | 5.40% | 5.10% | 5.40% | 5.25% | 5.30% | 5.50% |
| Minimum Amount | $1,000 | $10,000 | $10,000 | $10,000 | $1,000 | $10,000 | $20,000 | $100,000 | $10,000 | $20,000 |
| New Rate-Effective Date | 11/21/2022 | 11/11/2022 | 12/01/2022 | 11/11/2022 | 11/21/2022 | 12/07/2022 | 11/18/2022 | 10/31/2022 | 12/01/2022 | 11/18/2022 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 5.35% Effective Rate w/ 0.45% Loyalty Bonus No W/D exc RMD | 4.90% Rate For $100,000+ | 5.05% on Internal Exchanges | 5.00% Rate For $100,000+ | 5.52% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD | 5.20% Rate For $100,000+ | 5.40% on Internal Exchanges | |||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | ||||||||||
| Rate Guarantee Period | 3 Years | 3 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 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% | 0.50% | 2.00% | 0.50% | 1.00% | 0.50% | 1.00% | 1.00% | 2.00% | 1.00% |
| 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 | 5% of Prev Yr Ann Value | 100% Interest | 5% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 5% of Prev Yr Ann Value | 5% of Acct Value | 10% of Acct Value | 100% Interest | 5% of Acct Value |
| Free Withdrawal Per Year | 1 (Yr2+) | 4 (Yr2+) | 12 | 4 (Yr2+) | 1 (Yr2+) | 4 (Yr2+) | 1 | 1 (Yr2+) | 12 | 1 |
| Monthly Income Checks | Yes (Yr 2+) | Yes (Yr 2+) ($250 min) | Yes ($125 min) | Yes (Yr 2+) ($250 min) | Yes (Yr 2+) | Yes (Yr 2+) ($250 min) | Yes | No | Yes ($125 min) | Yes |
| Surrender Charges for Year | 0-90 | 0-100 | 0-100 | 0-100 | 0-90 | 0-100 | 0-90 | 0-85 | 0-90 | 0-85 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% MVA+7% | MVA+9% MVA+8% MVA+7% | MVA+5% MVA+5% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | 7% 7% 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% |
| Penalty Applied from DateOf | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Contract | Contract | Contract |
| Action Req'd End of Period | RRR | RRR | NONE | RRR | RRR | RRR | NONE | NONE | NONE | NONE |
| PenaltyWaived-PayOutOver | 5 Years w/MVA | NO | 5 Years | NO | 5 Years w/MVA | NO | NO | w3/5Yrs | 5 Years | NO |
| PenaltyWaived @ Death | Owner | Owner | Owner | Owner | Owner | Owner | Owner | Annuitant | 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 | 100 | 100 | 100 | 90 | 100 | 90 | 85 | 90 | 85 |
| - Annuitant | 90 | 100 | 100 | 100 | 90 | 100 | 90 | 85 | 90 | 85 |
| Days Rate Held on Rollovers | Chg+30days | HO Rec+45 | HO Rec+60 | HO Rec+45 | Chg+30days | HO Rec+45 | HO Rec+45 | Chg+45 Days | HO Rec+60 | HO Rec+45 |
| Free Look Period | 30 Days | 30 Days | 20 Days | 30 Days | 30 Days | 30 Days | 20 Days | 30 Days | 20 Days | 20 Days |
| Rating -A.M.Best | B++ | A- | A- | A- | B++ | A- | A | A+ | A- | A |
| Company Assets(in Millions) | $1,212 | $3,668 | $651 | $3,668 | $1,212 | $3,668 | $6,172 | $40,100 | $651 | $6,172 |
| Year Company Founded | 1960 | 1926 | 1924 | 1926 | 1960 | 1926 | 1946 | 1955 | 1924 | 1946 |
| Home Office | Lincoln NE | BatonRouge LA | Houston TX | BatonRouge LA | Lincoln NE | BatonRouge LA | Kansas City MO | Addison TX | Houston TX | Kansas City 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 | Kuvare Holdings LP | New Era Enterprises | Kuvare Holdings LP | Midwest Holdings, Inc | Kuvare Holdings LP | Americo Life, Inc. | Nat'l Life Holding Co. | New Era Enterprises | Americo Life, Inc. |
| 11/21 | 2.25% | 1.90% | 2.45% | 1.95% | 2.95% | 2.60% | 3.00% | |||
| 12/21 | 2.25% | 1.90% | 2.45% | 1.95% | 2.95% | 2.60% | 3.10% | |||
| 01/22 | 2.25% | 1.90% | 2.45% | 1.95% | 2.95% | 2.60% | 3.10% | |||
| 02/22 | 2.25% | 2.20% | 2.45% | 1.95% | 2.95% | 2.90% | 3.10% | |||
| 03/22 | 2.25% | 2.50% | 2.45% | 2.55% | 2.95% | 2.90% | 3.10% | |||
| 04/22 | 2.80% | 2.65% | 2.65% | 2.55% | 3.30% | 3.15% | 3.20% | |||
| 05/22 | 3.15% | 3.15% | 2.85% | 3.20% | 3.50% | 3.55% | 3.40% | |||
| 06/22 | 3.85% | 3.50% | 3.10% | 3.55% | 4.05% | 3.85% | NewAnnuity | 3.65% | NewAnnuity | |
| 07/22 | 3.85% | 3.50% | 3.45% | 3.55% | 4.05% | 3.85% | 4.20% | 4.00% | 4.50% | |
| 08/22 | 4.10% | 3.85% | 3.65% | 3.55% | 4.30% | 3.95% | 4.25% | 4.20% | 4.50% | |
| 09/22 | 4.10% | 3.85% | 3.75% | 3.55% | 4.30% | 3.95% | 4.25% | 4.30% | 4.50% | |
| 10/22 | 4.10% | 3.85% | 4.00% | 3.55% | 4.30% | 3.95% | 4.40% | NewHistory | 4.40% | 4.60% |
| 11/22 | 4.80% | 4.50% | 4.75% | 4.90% | 5.00% | 4.90% | 5.00% | 5.25 | 5.05% | 5.10% |