| 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 | Top Choice 3 | SecureLegacy3 | WaypointMYGA5 | Safeguard+5 | Top Choice 5 | SecureLegacy5 | Safeguard+7 | SecureRate7 | SecureRate10 |
| Average Annual Yield | 5.20% | 5.15% | 6.00% | 5.55% | 5.40% | 5.50% | 5.95% | 5.40% | 5.45% | 5.55% |
| Initial Period Yield | 5.20% | 5.15% | 6.00% | 5.55% | 5.40% | 5.50% | 5.95% | 5.40% | 5.45% | 5.55% |
| Minimum Amount | $100,000 | $10,000 | $10,000 | $100,000 | $10,000 | $10,000 | $10,000 | $10,000 | $5,000 | $5,000 |
| New Rate-Effective Date | 11/22/2024 | 11/01/2024 | 5/31/2024 | 11/22/2024 | 10/05/2024 | 11/01/2024 | 5/31/2024 | 10/05/2024 | 10/25/2024 | 10/25/2024 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 4.90% on Premiums $20,000 - $99,999 | 5.25% on Internal Exchanges | Death Benefit Rider Cost - 0.25% | 5.20% on Premiums $20,000 - $99,999 | 5.60% on Internal Exchanges | Death Benefit Rider Cost - 0.25% | ||||
| 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 | 7 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 | 3.00% | 1.00% | 3.00% | 3.00% | 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 | 100% Interest | 100% Interest | 10% of Prev Yr Ann Value | 100% Interest Annual Reset | 100% Interest | 100% Interest | 100% Interest Annual Reset | Curr Yr Interest Annual Reset | Curr Yr Interest Annual Reset |
| Free Withdrawal Per Year | Unlimited (Yr2+) | 12 | 12 | Unlimited (Yr2+) | 12 | 12 | 12 | 12 | 1 | 1 |
| Monthly Income Checks | Yes (Yr 2+) ($500 min) | Yes ($125 min) | Yes ($100 min) | Yes (Yr 2+) ($500 min) | Yes ($100 min) | Yes ($125 min) | Yes ($100 min) | Yes ($100 min) | Yes ($100 min) | Yes ($100 min) |
| Surrender Charges for Year | 0-89 | 0-100 | 0-90 | 0-89 | 0-95 | 0-90 | 0-90 | 0-90 | 18-90 | 18-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% | MVA+5% MVA+5% MVA+5% | 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+5% MVA+5% MVA+5% MVA+5% MVA+5% | MVA+10% MVA+9% MVA+8% MVA+7% MVA+6% | 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+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 | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | NONE | RRR | RRR | RRR | NONE | RRR | RRR | RRR | RRR |
| PenaltyWaived-PayOutOver | Life | 5 Years | 5 Years | Life | NO | 5 Years | 5 Years | NO | NO | NO |
| PenaltyWaived @ Death | Owner | Owner | Option | Owner | Owner | Owner | Option | 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 | 89 | 100 | 90 | 89 | 90 | 90 | 90 | 90 | 90 | 90 |
| - Annuitant | 89 | 100 | 90 | 89 | 90 | 90 | 90 | 90 | 90 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | AppDate+45 | AppDate+60 | AppDate+60 | HO Rec+60 | AppDate+45 | AppDate+60 | HO Rec+45 | HO Rec+45 |
| Free Look Period | 30 Days | 20 Days | 30 Days | 30 Days | 30 Days | 20 Days | 30 Days | 30 Days | 30 Days | 30 Days |
| Rating -A.M.Best | A- | A- | NR-1 | A- | B++ | A- | NR-1 | B++ | B++ | B++ |
| Company Assets(in Millions) | $319 | $705 | $348 | $319 | $571 | $705 | $348 | $571 | $142 | $142 |
| Year Company Founded | 2013 | 1924 | 1912 | 2013 | 1997 | 1924 | 1912 | 1997 | 1965 | 1965 |
| Home Office | OK City OK | Houston TX | Oxford MS | OK City OK | Knoxville TN | Houston TX | Oxford MS | Knoxville TN | 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 | Wheaton Mgmt LLC | New Era Enterprises | Upstream Holdings, Inc | Wheaton Mgmt LLC | Arrowhead Capital Group | New Era Enterprises | Upstream Holdings, Inc | Arrowhead Capital Group | Heartland National | Heartland National |
| 08/23 | 5.20% | 5.65% | 5.65% | 5.30% | 5.65% | 5.20% | ||||
| 09/23 | 5.30% | 5.65% | 5.65% | 5.50% | 5.65% | 5.40% | ||||
| 10/23 | 5.40% | 5.65% | 5.65% | 5.60% | 5.65% | 5.40% | ||||
| 11/23 | 5.50% | 5.75% | 5.80% | 5.70% | 5.65% | 5.55% | ||||
| 12/23 | 5.50% | 5.75% | 5.80% | 5.80% | 5.65% | 5.55% | ||||
| 01/24 | 5.50% | 5.75% | 5.80% | 5.80% | 5.65% | 5.55% | ||||
| 02/24 | 5.50% | 5.75% | 5.80% | 5.80% | 5.65% | 5.55% | ||||
| 03/24 | 5.50% | 6.00% | 5.80% | 5.80% | 5.85% | 5.55% | NewHistory | NewHistory | ||
| 04/24 | 5.50% | 6.00% | 5.80% | 5.80% | 5.85% | 5.55% | 5.80% | 5.80% | ||
| 05/24 | NewHistory | 5.50% | 6.00% | NewHistory | 5.80% | 5.80% | 5.85% | 5.55% | 5.80% | 5.80% |
| 06/24 | 5.65% | 5.40% | 6.00% | 5.95% | 5.80% | 5.70% | 5.95% | 5.55% | 5.80% | 5.80% |
| 07/24 | 5.65% | 5.40% | 6.00% | 5.95% | 5.80% | 5.70% | 5.95% | 5.55% | 5.80% | 5.80% |
| 08/24 | 5.65% | 5.40% | 6.00% | 5.95% | 5.65% | 5.70% | 5.95% | 5.40% | 5.80% | 5.80% |
| 09/24 | 5.25% | 5.30% | 6.00% | 5.50% | 5.60% | 5.60% | 5.95% | 5.40% | 5.75% | 5.75% |