Rates as of: 10/18/2021(To print the Top 10, please use the PDF version)

Insurance Company SILAC
Insurance
Company
New Era Life
New Era MW

Phil Amer
Atlantic
Coast
Life
Liberty
Bankers
Capitol Life
New Era Life
New Era MW

Phil Amer
Sentinel
Security
Life
Western
United
Life
Western
United
Life
Atlantic
Coast
Life
Atlantic
Coast
Life
Name of AnnuitySecuSavElite2SecChoice3Safe Haven 5BankersElite5SecChoice5PersonalChoice5NavigatorElite5NavigatorUltra5Safe Haven 7Safe Haven 10
Average Annual Yield 2.15%2.35%3.10%2.75%3.00%3.15%2.75%2.90%3.19%3.25%
Initial Period Yield 2.15%2.35% 3.90%2.75%3.00% 3.15%2.75%2.90%4.05%4.15%
Minimum Amount$10,000$10,000$5,000$10,000$10,000$2,500$10,000

$10,000

$5,000$5,000
New Rate-Effective Date11/09/20203/01/202110/18/20218/18/20213/01/202110/18/20213/03/20214/27/202110/18/202110/18/2021
New Rate-
Effective Date
          
Rate on Other AmountsOptional
Liquidity Riders
Available with
Lower Rate
2.40% on Internal ExchangesOptional
Liquidity Riders
Available with
Lower Rate
(Rate shown with Accumulated Interest Rider -.05%)
 3.10% on Internal ExchangesOptional
Liquidity Riders
Available with
Lower Rate
  Optional
Liquidity Riders
Available with
Lower Rate
Optional
Liquidity Riders
Available with
Lower Rate
EAY Incl Non-Forfeitable
Bonus on Prem. Received
  1% Bonus
Init Prem
     1% Bonus
Init Prem
1% Bonus
Init Prem
Rate Guarantee Period2 Years3 Years10 Years5 Years5 Years5 Years5 Years5 Years7 Years10 Years
Planned Banded Base RateN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Bail-Out Interest RateN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Rate Guarantee
After Initial Period
  2.90%
Years 2-5
     3.05%
Years 2-7
3.15%
Years 2-10
Minimum Rate Guarantee1.00%2.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l AmtOption
Rider
100%
Interest
100%
Interest
None100%
Interest
Option
Rider
10% per
Contract Yr
NoneOption
Rider
Option
Rider
Free Withdrawal Per YearOption1212012Option1 (EFT Only)NoneOptionOption
Monthly Income ChecksOption
($100 min)
Yes
($125 min)
Yes
($100 min)
N/AYes
($125 min)
Option
($100 min)
NoNoOption
($100 min)
Option
($100 min)
Surrender Charges for Year18-850-1000-59| 60-900-900-900-59| 60-900-840-750-59| 60-900-59| 60-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+5%
MVA+5%
MVA+5%
MVA+9|MVA+8%
MVA+8|MVA+7%
MVA+7|MVA+6%
MVA+6|MVA+5%
MVA+5|MVA+4%
MVA+7.9%
MVA+7.0%
MVA+6.2%
MVA+5.3%
MVA+4.4%
 
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+9|MVA+8%
MVA+8|MVA+7%
MVA+7|MVA+6%
MVA+6|MVA+5%
MVA+5|MVA+4%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
 
MVA+9|MVA+8%
MVA+8|MVA+7%
MVA+7|MVA+6%
MVA+6|MVA+5%
MVA+5|MVA+4%
MVA+5|MVA+3%
MVA+5|MVA+2%
MVA+9|MVA+8%
MVA+8|MVA+7%
MVA+7|MVA+6%
MVA+6|MVA+5%
MVA+5|MVA+4%
MVA+5|MVA+3%
MVA+5|MVA+2%
MVA+5|MVA+1%
MVA+5|MVA+0%
MVA+5|MVA+0%
Penalty Applied from DateOfCont/RenewContractCont/RenewContractContractCont/RenewContractContractCont/RenewCont/Renew
Action Req'd End of PeriodRRRNONERRRNONENONERRRNONENONERRRRRR
PenaltyWaived-PayOutOverNO5 YearsNONO5 Years5 YearsNONONONO
PenaltyWaived @ DeathNOOwnerOptionNOOwnerOptionAnnuitantNOOptionOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner851009090909075759090
- Annuitant851009090909075759090
Days Rate Held on RolloversAppDate+60HO Rec+60Chg+45daysHO Rec+45HO Rec+60Chg+45daysHO Rec+60HO Rec+60Chg+45daysChg+45days
Free Look Period30 Days20 Days21 Days30 Days20 Days21 Days20 Days20 Days21 Days21 Days
Rating -A.M.BestB+B++B++A-B++B++B+B+B++B++
Company Assets(in Millions)$3,945$626$943$2,278$626$776$1,402$1,402$943$943
Year Company Founded1935192419251957192419481963196319251925
Home OfficeSalt Lake City
UT
Houston
TX
Charleston
SC
OK City
OK
Houston
TX
Salt Lake City
UT
Spokane
WA
Spokane
WA
Charleston
SC
Charleston
SC
Insurance Company TypeLegal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Ultimate Parent CompanySILAC, LLCNew Era EnterprisesAdvantage
Capital
Liberty Life Group TrustNew Era EnterprisesAdvantage
Capital Partners
Manhattan
Life Group
Manhattan
Life Group
Advantage
Capital
Advantage
Capital

Rate History on New Prem

          
09/202.30%2.55%4.10%
3.00%3.20%3.35%3.05%3.30%4.30%
4.45%
10/202.30%2.55%4.10%
3.00%3.20%3.35%3.05%3.30%4.30%
4.45%
11/202.30%2.55%3.90%
3.00%3.20%3.15%2.85%3.10%4.10%
4.25%
12/202.15%2.55%3.75%
3.00%3.20%3.00%2.85%3.10%3.95%
4.10%
01/212.15%2.55%3.75%
3.00%3.20%3.00%2.85%3.10%3.95%
4.10%
02/212.15%2.45%3.55%
3.00%3.10%2.80%2.85%3.10%3.75%
3.90%
03/212.15%2.35%3.55%
2.85%3.00%2.80%2.85%3.10%3.75%
3.90%
04/212.15%2.35%3.55%
2.80%3.00%2.80%2.75%3.00%3.75%
3.90%
05/212.15%2.35%3.55%
2.80%3.00%2.80%2.75%2.90%3.75%
3.90%
06/212.15%2.35%3.75%
2.80%3.00%3.00%2.75%2.90%3.95%
4.10%
07/212.15%2.35%3.75%
2.80%3.00%3.00%2.75%2.90%3.95%
4.10%
08/212.15%2.35%3.75%
2.80%3.00%3.00%2.75%2.90%3.95%
4.10%
09/212.15%2.35%3.75%
2.75%3.00%3.00%2.75%2.90%3.95%
4.10%
10/212.15%2.35%3.75%
2.75%3.00%3.00%2.75%2.90%3.95%
4.10%