| 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 Annuity | SecuSavElite2 | SecChoice3 | BankersElite5 | SecChoice5 | SecuSavElite5 | SecureLegacy5 | NavigatorElite5 | NavigatorUltra5 | NavigatorUltra7 | Safe 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 Date | 11/09/2020 | 3/01/2021 | 3/15/2021 | 3/01/2021 | 11/09/2020 | 10/01/2020 | 3/03/2021 | 3/03/2021 | 3/03/2021 | 01/19/2021 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | Optional Liquidity Riders Available with Lower Rate | 2.40% on Internal Exchanges | 3.10% 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 | 1% Bonus Init Prem | |||||||||
| Rate Guarantee Period | 2 Years | 3 Years | 5 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 | 2.90% Years 2-10 | |||||||||
| Minimum Rate Guarantee | 1.00% | 2.00% | 1.00% | 2.00% | 1.00% | 1.00% | 1.00% | 1.00% | 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 | Option Rider | 100% Interest | None | 100% Interest | Option Rider | 100% Interest | 10% per Contract Yr | None | None | Option Rider |
| Free Withdrawal Per Year | Option | 12 | None | 12 | Option | 12 | 1 (EFT Only) | None | None | Option |
| Monthly Income Checks | Option ($100 min) | Yes ($125 min) | N/A | Yes ($125 min) | Option ($100 min) | Yes ($100 min) | No | No | No | Option ($100 min) |
| Surrender Charges for Year | 18-85 | 0-100 | 0-90 | 0-90 | 18-85 | 0-90 | 0-84 | 0-75 | 0-75 | 0-59| 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 DateOf | Cont/Renew | Contract | Contract | Contract | Cont/Renew | Cont/Renew | Contract | Contract | Contract | Cont/Renew |
| Action Req'd End of Period | RRR | NONE | NONE | NONE | RRR | RRR | NONE | NONE | NONE | RRR |
| PenaltyWaived-PayOutOver | NO | 5 Years | NO | 5 Years | NO | 5 Years | NO | NO | NO | NO |
| PenaltyWaived @ Death | NO | Owner | NO | Owner | NO | Option | Annuitant | NO | NO | Option |
| 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 | 85 | 100 | 90 | 90 | 85 | 90 | 75 | 75 | 75 | 90 |
| - Annuitant | 85 | 100 | 90 | 90 | 85 | 90 | 75 | 75 | 75 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | HO Rec+45 | HO Rec+60 | AppDate+60 | AppDate+45 | HO Rec+60 | HO Rec+60 | HO Rec+60 | Chg+45days |
| Free Look Period | 30 Days | 20 Days | 30 Days | 20 Days | 30 Days | 30 Days | 20 Days | 20 Days | 20 Days | 21 Days |
| Rating -A.M.Best | B+ | 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 Founded | 1935 | 1924 | 1957 | 1924 | 1935 | 1912 | 1963 | 1963 | 1963 | 1925 |
| Home Office | Salt 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 Type | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve |
| Ultimate Parent Company | SILAC, LLC | New Era Enterprises | Liberty Life Group Trust | New Era Enterprises | SILAC, LLC | Upstream Holdings, Inc, | Manhattan Life Group | Manhattan Life Group | Manhattan Life Group | Advantage Capital |
| 04/20 | 2.30% | 2.45% | 2.75% | 3.10% | 3.10% | New History | 4.20% | |||
| 05/20 | 2.30% | 2.45% | 2.90% | 3.10% | 3.10% | 3.25% | 4.20% | |||
| 06/20 | 2.30% | 2.45% | 3.00% | 3.10% | 3.10% | 3.80% | 4.20% | |||
| 07/20 | 2.30% | 2.55% | 3.00% | 3.20% | 3.10% | 3.80% | 4.45% | |||
| 08/20 | 2.30% | 2.55% | 3.00% | 3.20% | 3.10% | 3.45% | New Annuity | New Annuity | New Annuity | 4.45% |
| 09/20 | 2.30% | 2.55% | 3.00% | 3.20% | 3.10% | 3.45% | 3.05% | 3.30% | 3.40% | 4.45% |
| 10/20 | 2.30% | 2.55% | 3.00% | 3.20% | 3.10% | 2.80% | 3.05% | 3.30% | 3.40% | 4.45% |
| 11/20 | 2.30% | 2.55% | 3.00% | 3.20% | 3.10% | 2.80% | 2.85% | 3.10% | 3.20% | 4.25% |
| 12/20 | 2.15% | 2.55% | 3.00% | 3.20% | 2.95% | 2.80% | 2.85% | 3.10% | 3.20% | 4.10% |
| 01/21 | 2.15% | 2.55% | 3.00% | 3.20% | 2.95% | 2.80% | 2.85% | 3.10% | 3.20% | 4.10% |
| 02/21 | 2.15% | 2.45% | 3.00% | 3.10% | 2.95% | 2.80% | 2.85% | 3.10% | 3.20% | 3.90% |
| 03/21 | 2.15% | 2.35% | 2.85% | 3.00% | 2.95% | 2.80% | 2.85% | 3.10% | 3.20% | 3.90% |
| 04/21 | 2.15% | 2.35% | 2.80% | 3.00% | 2.95% | 2.80% | 2.75% | 3.00% | 3.05% | 3.90% |