| Insurance Company | Americo Financial Life | American Life & Security | Guggenheim Life & Annuity | Guggenheim Life & Annuity | American Life & Security | Americo Financial Life | New Era Life New Era MW Phil Amer | Pacific Guardian Life | Americo Financial Life | Americo Financial Life |
| Name of Annuity | PlatinumAssure2 | AmericanClassic3 | PreserveMYG3 | PreserveMYG4 | AmericanClassic5 | PlatinumAssure5 | SecChoice5 | DiamondHead5 | PlatinumAssure6 | PlatinumAssure7 |
| Average Annual Yield | 3.00% | 3.85% | 4.00% | 4.05% | 4.05% | 4.20% | 4.00% | 3.90% | 4.30% | 4.50% |
| Initial Period Yield | 3.00% | 3.85% | 4.00% | 4.05% | 4.05% | 4.20% | 4.00% | 3.90% | 4.30% | 4.50% |
| Minimum Amount | $20,000 | $1,000 | $10,000NQ $5,000Q | $10,000NQ $5,000Q | $1,000 | $20,000 | $10,000 | $10,000 | $20,000 | $20,000 |
| New Rate-Effective Date | 6/27/2022 | 5/19/2022 | 7/01/2022 | 7/01/2022 | 5/19/2022 | 6/27/2022 | 7/01/2022 | 6/13/2022 | 6/27/2022 | 6/27/2022 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 4.00% Effective Rate w/ 0.45% Loyalty Bonus No W/D exc RMD | 4.10% Rate For Premiums $250,000+ | 4.15% Rate For Premiums $250,000+ | 4.17% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD | 4.10% on Internal Exchanges | |||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | ||||||||||
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 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% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 2.00% | 0.15% | 1.00% | 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 | 3% of Acct Value | 10% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 5% of Acct Value | 100% Interest | 10% of Acct Value | 5% of Acct Value | 5% of Acct Value |
| Free Withdrawal Per Year | 1 | 1 (Yr2+) | 1 (Yr2+) | 1 (Yr2+) | 1 (Yr2+) | 1 | 12 | 12 | 1 | 1 |
| Monthly Income Checks | Yes | Yes (Yr 2+) | Yes | Yes | Yes (Yr 2+) | Yes | Yes ($125 min) | Yes ($100 min) | Yes | Yes |
| Surrender Charges for Year | 0-90 | 0-90 | 0-90 | 0-90 | 0-90 | 0-90 | 0-90 | 18-85 | 0-90 | 0-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% | MVA+9% MVA+8% MVA+7% | MVA+7% MVA+6% MVA+5% | 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+5% MVA+5% MVA+5% MVA+5% MVA+5% | 10% 9% 8% 7% 6% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% |
| Penalty Applied from DateOf | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Contract | Cont/Renew | Contract | Contract |
| Action Req'd End of Period | NONE | RRR | RRR | RRR | RRR | NONE | NONE | RRR | NONE | NONE |
| PenaltyWaived-PayOutOver | NO | 5 Years w/MVA | 10 Years | 10 Years | 5 Years w/MVA | NO | 5 Years | 5 Years | NO | NO |
| PenaltyWaived @ Death | Owner | Owner | Owner | Owner | Owner | Owner | Owner | 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 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 85 | 90 | 90 |
| - Annuitant | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 85 | 90 | 90 |
| Days Rate Held on Rollovers | HO Rec+45 | Chg+30days | HO Rec+45 | HO Rec+45 | Chg+30days | HO Rec+45 | HO Rec+60 | HO Rec+60 | HO Rec+45 | HO Rec+45 |
| Free Look Period | 20 Days | 30 Days | 30 Days | 30 Days | 30 Days | 20 Days | 20 Days | 30 Days | 20 Days | 20 Days |
| Rating -A.M.Best | A | B++ | A- | A- | B++ | A | A- | A | A | A |
| Company Assets(in Millions) | $6,172 | $1,212 | $15,020 | $15,020 | $1,212 | $6,172 | $651 | $595 | $6,172 | $6,172 |
| Year Company Founded | 1946 | 1960 | 1985 | 1985 | 1960 | 1946 | 1924 | 1962 | 1946 | 1946 |
| Home Office | Kansas City MO | Lincoln NE | Indianapolis IN | Indianapolis IN | Lincoln NE | Kansas City MO | Houston TX | Honolulu HI | Kansas City MO | 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 | Americo Life, Inc. | Midwest Holdings, Inc | Group 1001, LLC | Group 1001, LLC | Midwest Holdings, Inc | Americo Life, Inc. | New Era Enterprises | Meji Yasuda Life | Americo Life, Inc. | Americo Life, Inc. |
| 06/21 | 2.25% | 2.00% | 2.30% | 2.60% | 3.00% | |||||
| 07/21 | 2.25% | 2.00% | 2.30% | 2.75% | 3.00% | |||||
| 08/21 | 2.25% | 2.00% | 2.30% | 2.95% | 3.00% | |||||
| 09/21 | 2.25% | 1.75% | 2.00% | 2.95% | 3.00% | |||||
| 10/21 | 2.25% | 1.75% | 2.00% | 2.95% | 3.00% | NewAnnuity | ||||
| 11/21 | 2.25% | 1.75% | 2.00% | 2.95% | 3.00% | 2.75% | ||||
| 12/21 | 2.25% | 1.75% | 2.00% | 2.95% | 3.10% | 2.75% | ||||
| 01/22 | 2.25% | 2.00% | 2.15% | 2.95% | 3.10% | 2.85% | ||||
| 02/22 | 2.25% | 2.10% | 2.25% | 2.95% | 3.10% | 3.00% | ||||
| 03/22 | 2.25% | 2.50% | 2.65% | 2.95% | 3.10% | 3.00% | ||||
| 04/22 | 2.80% | 3.00% | 3.05% | 3.30% | 3.20% | 3.15% | ||||
| 05/22 | 3.15% | 3.00% | 3.05% | 3.50% | 3.40% | 3.30% | ||||
| 06/22 | NewAnnuity | 3.85% | 3.50% | 3.55% | 4.05% | NewAnnuity | 3.65% | 3.70% | NewAnnuity | NewAnnuity |
| 07/22 | 3.00% | 3.85% | 4.00% | 4.05% | 4.05% | 4.20 | 4.00% | 3.90% | 4.30 | 4.50 |