Rates as of: 4/01/2021(To print the Top 10, please use the PDF version)

Insurance Company SILAC
Insurance
Company
New Era Life
New Era MW

Phil Amer
Liberty
Bankers &

Capitol Life
New Era Life
New Era MW

Phil Amer
SILAC
Insurance
Company
Upstream
Life
Western
United
Life
Western
United
Life
Western
United
Life
Atlantic
Coast
Life
Name of AnnuitySecuSavElite2SecChoice3BankersElite5SecChoice5SecuSavElite5SecureLegacy5NavigatorElite5NavigatorUltra5NavigatorUltra7Safe Haven 10
Average Annual Yield 2.15%2.35%2.80%3.00%2.95%2.80%2.75%3.00%3.05%3.00%
Initial Period Yield 2.15%2.35% 2.80%3.00% 2.95%2.80%2.75%3.00%3.05%3.90%
Minimum Amount$10,000$10,000$10,000$10,000$10,000$10,000$10,000

$10,000

$10,000$5,000
New Rate-Effective Date11/09/20203/01/20213/15/20213/01/202111/09/202010/01/20203/03/20213/03/20213/03/202101/19/2021
New Rate-
Effective Date
          
Rate on Other AmountsOptional
Liquidity Riders
Available with
Lower Rate
2.40% on Internal Exchanges 3.10% on Internal ExchangesOptional
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
Rate Guarantee Period2 Years3 Years5 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 2-10
Minimum Rate Guarantee1.00%2.00%1.00%2.00%1.00%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
None100%
Interest
Option
Rider
100%
Interest
10% per
Contract Yr
NoneNoneOption
Rider
Free Withdrawal Per YearOption12None12Option121 (EFT Only)NoneNoneOption
Monthly Income ChecksOption
($100 min)
Yes
($125 min)
N/AYes
($125 min)
Option
($100 min)
Yes
($100 min)
NoNoNoOption
($100 min)
Surrender Charges for Year18-850-1000-900-9018-850-900-840-750-750-59| 60-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+5%
MVA+5%
MVA+5%
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+7%
MVA+6%
MVA+5%
 
MVA+10%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
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+7%
MVA+6%
MVA+5%
MVA+4%
MVA+3%
 
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/RenewContractContractContractCont/RenewCont/RenewContractContractContractCont/Renew
Action Req'd End of PeriodRRRNONENONENONERRRRRRNONENONENONERRR
PenaltyWaived-PayOutOverNO5 YearsNO5 YearsNO5 YearsNONONONO
PenaltyWaived @ DeathNOOwnerNOOwnerNOOptionAnnuitantNONOOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner851009090859075757590
- Annuitant851009090859075757590
Days Rate Held on RolloversAppDate+60HO Rec+60HO Rec+45HO Rec+60AppDate+60AppDate+45HO Rec+60HO Rec+60HO Rec+60Chg+45days
Free Look Period30 Days20 Days30 Days20 Days30 Days30 Days20 Days20 Days20 Days21 Days
Rating -A.M.BestB+B++B++B++B+B++B+B+B+B++
Company Assets(in Millions)$2,988$593$2,045$593$2,988$242$1,283$1,283$1,283$758
Year Company Founded1935192419571924193519121963196319631925
Home OfficeSalt Lake City
UT
Houston
TX
OK City
OK
Houston
TX
Salt Lake City
UT
Oxford
MS
Spokane
WA
Spokane
WA
Spokane
WA
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 EnterprisesLiberty Life
Group Trust
New Era EnterprisesSILAC, LLCUpstream
Holdings,
Inc,
Manhattan
Life Group
Manhattan
Life Group
Manhattan
Life Group
Advantage
Capital

Rate History on New Prem

          
04/202.30%2.45%2.75%3.10%3.10%New History   4.20%
05/202.30%2.45%2.90%3.10%3.10%3.25%   4.20%
06/202.30%2.45%3.00%3.10%3.10%3.80%   4.20%
07/202.30%2.55%3.00%3.20%3.10%3.80%   4.45%
08/202.30%2.55%3.00%3.20%3.10%3.45%New AnnuityNew AnnuityNew Annuity4.45%
09/202.30%2.55%3.00%3.20%3.10%3.45%3.05%3.30%3.40%4.45%
10/202.30%2.55%3.00%3.20%3.10%2.80%3.05%3.30%3.40%4.45%
11/202.30%2.55%3.00%3.20%3.10%2.80%2.85%3.10%3.20%4.25%
12/202.15%2.55%3.00%3.20%2.95%2.80%2.85%3.10%3.20%4.10%
01/212.15%2.55%3.00%3.20%2.95%2.80%2.85%3.10%3.20%4.10%
02/212.15%2.45%3.00%3.10%2.95%2.80%2.85%3.10%3.20%3.90%
03/212.15%2.35%2.85%3.00%2.95%2.80%2.85%3.10%3.20%3.90%
04/212.15%2.35%2.80%3.00%2.95%2.80%2.75%3.00%3.05%3.90%