Top 10 Page

Rates as of: 06/24/2026(To print the Top 10, please use the PDF version)
Insurance Company	AmFirst Insurance Company	American Century Life	Upstream Life	AmFirst Insurance Company	American Century Life	Farmers Life Insurance	Heartland National Life	New Era Life New Era MW Phil Amer	Sentinel Security Life	Sentinel Security Life
Name of Annuity	WaypointMYGA2	AF MaxGrowth 3	SecureLegacy3	WaypointMYGA5	AF MaxGrowth 5	Safeguard+5	SecureRatePro5	Top Choice 5	PersonalChoice7	PersonalChoice10
Average Annual Yield	5.00%	5.60%	5.90%	5.70%	6.00%	6.00%	6.10%	5.65%	6.25%	6.25%
Initial Period Yield	5.00%	5.60%	5.90%	5.70%	6.00%	6.00%	6.10%	5.65%	6.25%	6.25%
Minimum Amount	$100,000	$5,000	$10,000	$100,000	$5,000	$10,000	$5,000	$10,000	$10,000	$10,000
New Rate-Effective Date	04/16/2025	06/11/2026	04/15/2026	04/16/2026	06/11/2026	04/01/2026	06/11/2026	05/01/2026	03/23/2026	03/23/2026
New Rate- Effective Date
Rate on Other Amounts	4.70% on Premiums $20,000 - $99,999	Optional Liquidity Riders available with Lower Rate	Death Benefit Rider Cost - 0.25%	5.30% on Premiums $20,000 - $99,999	Optional Liquidity Riders available with Lower Rate	Optional Liquidity Riders available with Lower Rate	Optional Liquidity Riders available with Lower Rate	5.75% on Internal Exchanges	Optional Liquidity Riders available with Lower Rate	Optional Liquidity Riders available with Lower Rate
EAY Incl Non-Forfeitable Bonus on Prem. Received
Rate Guarantee Period	2 Years	3 Years	3 Years	5 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	2.40%	1.00%	2.40%	2.40%	1.00%	2.65%	1.00%	1.00%	2.40%	2.40%
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 -0.15% >10%AV/RMD(Yr2+)	100% Interest	10% of Prev Yr Ann Value	Option -0.15% >10%AV/RMD(Yr2+)	Option -0.10% 5%PAV(Yr2+)	Option RMD or Interest	100% Interest	Option -0.08% 10%PAV/RMD(Yr2+) (1/yr)	Option -0.08% 10%PAV/RMD(Yr2+) (1/yr)
RMD Rider Included	Yes (Yr 2+)	Option -0.10%	Yes (Yr 2+)	Yes (Yr 2+)	Option -0.10%	Option -0.10%	Option -0.05%	Yes	Option -0.16%	Option -0.16%
Monthly Income Checks	Yes (Yr 2+) ($500 min)	Option -0.10%	Yes ($100 min)	Yes (Yr 2+) ($500 min)	Option -0.10%	Option -0.10% ($100 min)	Option -0.10% ($100 min)	Yes ($125 min)	Option -0.08% ($100 min)	Option -0.08% ($100 min)
Surrender Charges for Year	0-89	0-90	0-90	0-89	0-90	0-95	0-90	0-90	0-59 \| 60-90	0-59 \| 60-90
1 2 3 4 5 6 7 8 9 10	MVA+9% MVA+8%	MVA+9% MVA+8% MVA+7%	MVA+10% MVA+9% MVA+8%	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%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+5% MVA+5% MVA+5% MVA+5% MVA+5%	MVA+9% \|+8% MVA+8% \|+7% MVA+7% \|+6% MVA+6% \|+5% MVA+5% \|+4% MVA+5% \|+3% MVA+5% \|+2%	MVA+9% \|+8% MVA+8% \|+7% MVA+7% \|+6% MVA+6% \|+5% MVA+5% \|+4% MVA+5% \|+3% MVA+5% \|+2% MVA+5% \|+1% MVA+5% \|+0% MVA+5% \|+0%
Penalty Applied from DateOf	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Contract	Cont/Renew	Cont/Renew
Action Req'd End of Period	RRR	RRR	RRR	RRR	RRR	RRR	RRR	NONE	RRR	RRR
PenaltyWaived-PayOutOver	Life	NO	5 Years	Life	NO	NO	NO	5 Years	NO	NO
PenaltyWaived @ Death	Owner	Option -0.15%	Option -0.25%	Owner	Option -0.15%	Option -0.25%	N/A Sp/Cont Avail	Owner	Option -0.35%	Option -0.35%
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	89	90	90	89	90	95	90	90	90	90
- Annuitant	89	90	90	89	90	95	90	90	90	90
Days Rate Held on Rollovers	AppDate+60	HO Rec+45	AppDate+45	AppDate+60	HO Rec+45	AppDate+60	HO Rec+45	HO Rec+60	Chg+45days	Chg+45days
Free Look Period	30 Days	30 Days	30 Days	30 Days	30 Days	30 Days	30 Days	20 Days	21 Days	21 Days
Rating -A.M.Best	A-	B++	NR-1	A-	B++	B++	B++	A-	B u*	B u*
Company Assets(in Millions)	$179	$192	$454	$179	$192	$1,729	$314	$763	$1,855	$1,855
Year Company Founded	2013	1981	1912	2013	1981	1997	1965	1924	1948	1948
Home Office	OK City OK	Columbus OH	Oxford MS	OK City OK	Columbus OH	Knoxville TN	Independence MO	Houston TX	Salt Lake City UT	Salt Lake City UT
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	Wheaton Mgmt LLC	ACL-TX Mgmt Co	Upstream Holdings, Inc	Wheaton Mgmt LLC	ACL-TX Mgmt Co	Arrowhead Capital Group	Heartland National	New Era Enterprises	Advantage Capital Partners	Advantage Capital Partners
Rate History on New Prem
06/25	5.00%		6.00%	5.65%				5.50%	5.55%	5.55%
07/25	5.00%		6.00%	5.65%				5.60%	5.55%	5.55%
08/25	5.00%		6.00%	5.80%				5.60%	5.90%	5.90%
09/25	5.00%		6.00%	5.80%				5.60%	5.90%	5.90%
10/25	5.00%		6.00%	5.70%				5.60%	5.90%	5.90%
11/25	5.00%		6.00%	5.70%				5.65%	5.90%	5.90%
12/25	5.00%		6.00%	5.80%				5.65%	5.90%	5.90%
01/26	5.00%		6.00%	5.70%				5.65%	5.90%	5.90%
02/26	5.00%		6.00%	5.70%				5.65%	6.05%	6.05%
03/26	5.00%		6.00%	5.65%		New Design		5.75%	6.05%	6.05%
04/26	5.00%		6.00%	5.65%		6.00%		5.75%	6.25%	6.25%
05/26	5.00%		5.90%	5.70%		6.00%		5.65%	6.25%	6.25%
06/26	5.00%	New Annuity	5.90%	5.70%	New Annuity	6.00%	New Annuity	5.65%	6.25%	6.25%