Rates as of: 3/27/2023(To print the Top 10, please use the PDF version)

Insurance Company SILAC
Insurance
Company
American
Life &
Security
New Era Life
New Era MW

Phil Amer
Sentinel
Security
Life
Americo
Financial
Life
American
Life &
Security
Americo
Financial
Life
Atlantic
Coast
Life
New Era Life
New Era MW

Phil Amer
Americo
Financial
Life
Name of AnnuitySecSavElite2AmericanClassic3Top Choice 3PersonalChoice3PlatinumAssure4AmericanClassic5PlatinumAssure5Safe Haven 5Top Choice 5PlatinumAssure7
Average Annual Yield 5.00%5.35%5.00%5.60%5.05%5.40%5.40%5.45%5.30%5.30%
Initial Period Yield 5.00%5.35%5.00% 5.60%5.05%5.40%5.40%6.25%5.30% 5.30%
Minimum Amount$10,000$1,000$10,000$10,000$25,000$1,000$25,000$10,000$10,000$25,000
New Rate-Effective Date2/01/20232/14/20231/01/20233/07/20232/22/20232/14/20232/22/20233/27/20231/01/20232/22/2023
New Rate-
Effective Date
          
Rate on Other AmountsOptional
Liquidity
Riders
available with
Lower Rate

 
5.50%
 Effective Rate
w/ 0.45%
Loyalty Bonus
No W/D exc RMD
5.05% on Internal Exchanges

 
Optional
Liquidity
Riders
available with
Lower Rate
 5.52%
 Effective Rate
w/ 0.60%
Loyalty Bonus
No W/D exc RMD
 5.25%Yrs 2-5
Optional
Liquidity
Riders
available with
Lower Rate
5.40% on Internal Exchanges

 
 
EAY Incl Non-Forfeitable
Bonus on Prem. Received
       1.00%  
Rate Guarantee Period2 Years3 Years3 Years3 Years4 Years5 Years5 Years5 Years5 Years7 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
          
Minimum Rate Guarantee1.00%1.00%1.00%1.00%2.35%1.00%2.35%1.00%1.00%2.35%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l AmtOption
Rider
10% of Prev
Yr Ann Value
100%
Interest
Option
Rider
5% of
Acct Value
10% of Prev
Yr Ann Value
5% of
Acct Value
Option
Rider
100%
Interest
5% of
Acct Value
Free Withdrawal Per YearOption1 (Yr2+)12Option11 (Yr2+)1Option121
Monthly Income ChecksOption
($100 min)
Yes (Yr 2+)
 
Yes
($125 min)
Option
($100 min)
Yes Yes (Yr 2+)
 
Yes Option
($100 min)
Yes
($125 min)
Yes
Surrender Charges for Year18-850-900-1000 - 59   | 60-900-900-900-900 - 59   | 60-900-900-85
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+9%
MVA+8%
MVA+7%
MVA+5%
MVA+5%
MVA+5%
 
MVA+9% | +8%
MVA+8% | +7%
MVA+7% | +6%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
 
MVA+9% | +8%
MVA+8% | +7%
MVA+7% | +6%
MVA+6% | +5%
MVA+5% | +4%

 
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
MVA+3%
 
Penalty Applied from DateOfCont/RenewCont/RenewContractCont/RenewContractCont/RenewContractCont/RenewContractContract
Action Req'd End of PeriodRRRRRRNONERRRNONERRRNONERRRNONENONE
PenaltyWaived-PayOutOverNO5 Years w/MVA5 YearsNONO5 Years w/MVANONO5 YearsNO
PenaltyWaived @ DeathNOOwnerOwnerOptionOwnerOwnerOwnerOptionOwnerOwner
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner859010090859090909085
- Annuitant859010090859090909085
Days Rate Held on RolloversAppDate+60Chg+30daysHO Rec+60Chg+45daysHO Rec+45Chg+30daysHO Rec+45Chg+45daysHO Rec+60HO Rec+45
Free Look Period30 Days30 Days20 Days21 Days20 Days30 Days20 Days21 Days20 Days20 Days
Rating -A.M.BestB+B++A-B++AB++AB++A-A
Company Assets(in Millions)$7,563$1,212$651$877$6,172$1,212$6,172$1,031$651$6,172
Year Company Founded1935196019241948194619601946192519241946
Home OfficeSalt Lake City
UT
Lincoln
NE
Houston
TX
Salt Lake City
UT
Kansas City
MO
Lincoln
NE
Kansas City
MO
Salt Lake City
UT
Houston
TX
Kansas City
MO
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, LLCMidwest
Holdings, Inc
New Era EnterprisesAdvantage
Capital Partners
Americo Life,
Inc.
Midwest
Holdings, Inc
Americo Life,
Inc.
Advantage
Capital Partners
New Era EnterprisesAmerico Life,
Inc.

Rate History on New Prem

          
01/221.75%2.25%   2.95% 3.90%  
02/221.75%2.25%   2.95% 3.90%  
03/221.75%2.25%   2.95% 3.90%  
04/221.75%2.80%   3.30% 3.90%  
05/221.75%3.15%   3.50% 4.25%  
06/222.35%3.85%  NewAnnuity4.05%NewAnnuity4.80% NewAnnuity
07/222.35%3.85%  3.85%4.05%4.20%4.80% 4.50%
08/222.60%4.10%  3.90%4.30%4.25%5.25% 4.50%
09/222.60%4.10%  4.10%4.30%4.25%5.25% 4.50%
10/222.60%4.10%  4.20%4.30%4.40%5.40% 4.60%
11/222.60%4.80%NewAnnuity 4.85%
5.00%5.00%5.40%NewAnnuity5.10%
12/222.60%5.20%5.10% 5.15%
5.40%5.40%5.90%5.40%5.50%
01/232.60%5.00%5.00%NewAnnuity5.15%
5.20%5.40%5.90%5.30%5.50%