| Insurance Company | New Era Life New Era MW Phil Amer | Guaranty Income | Atlantic Coast Life | Liberty Bankers & Capitol Life | New Era Life New Era MW Phil Amer | Sentinel Security | Western Bankers Life | Guaranty Income | Liberty Bankers & Capitol Life | Atlantic Coast Life |
| Name of Annuity | SecChoice3 | Guaranty 4 | Safe Haven 5 | Bankers5Prem | SecChoice5 | PersonalChoice5 | SPDA-5 | Guaranty 6 | Bankers7Prem | Safe Haven 10 |
| Average Annual Yield | 2.40% | 2.60% | 3.20% | 2.85% | 3.25% | 3.15% | 3.00% | 3.25% | 3.00% | 3.50% |
| Initial Period Yield | 2.40% | 2.60% | 4.00% | 2.85% | 3.25% | 3.15% | 3.00% | 3.25% | 3.00% | 4.40% |
| Minimum Amount | $10,000 | $5,000 ($2,000 Q) | $5,000 | $10,000 | $10,000 | $2,500 | $10,000 | $5,000 ($2,000 Q) | $10,000 | $5,000 |
| New Rate-Effective Date | 12/01/16 | 1/01/17 | 7/01/17 | 7/12/17 | 6/01/17 | 7/01/17 | 9/18/17 | 4/08/17 | 8/01/16 | 7/01/17 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 2.45% on Internal Exchanges | Optional Liquidity Riders Available with Lower Rate | 3.30% 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 | 1% Bonus Init Prem | ||||||||
| Rate Guarantee Period | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 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 | 3.00% Years 2-5 | 3.40% Years 2-10 | ||||||||
| Minimum Rate Guarantee | 2.00% | 1.00% | 1.00% | 1.00% | 2.00% | 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 | 100% Interest | 100% Interest | Option Rider | 100% | 100% Interest | Option Rider | 10% of | 100% Interest | 100% | Option Rider |
| Free Withdrawal Per Year | 12 | 2 | Option | 2 | 12 | Option | 1 | 2 | 2 | Option |
| Monthly Income Checks | Yes ($125 min) | Yes ($100 min) | Option ($100 min) | Yes ($100 min) | Yes ($125 min) | Option | Yes ($100 min) | Yes ($100 min) | Yes ($100 min) | Option ($100 min) |
| Surrender Charges for Year | 0-100 | 0-100 | 0-59| 60-90 | 0-90 | 0-90 | 0-59| 60-90 | 0-85 | 0-79 | 0-55| 56-85 | 0-59| 60-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+5% MVA+5% MVA+5% | MVA+8% MVA+7% MVA+6% MVA+5% | MVA+9|MVA+8% MVA+8|MVA+7% MVA+7|MVA+6% MVA+6|MVA+5% MVA+5|MVA+4% | MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% | MVA+5% MVA+5% MVA+5% MVA+5% MVA+5% | MVA+9|MVA+8% MVA+8|MVA+7% MVA+7|MVA+6% MVA+6|MVA+5% MVA+5|MVA+4% | 9% 8% 7% 6% 5% | MVA+8% MVA+7% MVA+7% MVA+6% MVA+5% MVA+4% | MVA+12.4|MVA+8.1% MVA+11.5|MVA+7.1% MVA+10.5|MVA+6.1% MVA+8.5|MVA+5.1% MVA+6.5|MVA+4.5% MVA+5.5|MVA+3.5% MVA+4.5|MVA+2.5% | 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 | Contract | Contract | Cont/Renew | Contract | Contract | Cont/Renew | Contract | Contract | Contract | Cont/Renew |
| Action Req'd End of Period | NONE | NONE | RRR | NONE | NONE | RRR | NONE | NONE | NONE | RRR |
| PenaltyWaived-PayOutOver | 5 Years | 5 Years | NO | 5 Years | NO | NO | 5 Years | 5 Years | NO | NO |
| PenaltyWaived @ Death | Owner | Owner | Option | Annuitant | Owner | Option | Annuitant | Owner | Annuitant | 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 | 100 | 100 | 90 | 90 | 90 | 90 | 85 | 79 | 85 | 90 |
| - Annuitant | 100 | 100 | 90 | 90 | 90 | 90 | 85 | 79 | 85 | 90 |
| Days Rate Held on Rollovers | HO Rec+60 | Chg+45days | Chg+45days | HO Rec+45days | HO Rec+60 | Chg+45days | Chg+45days | Chg+45days | HO Rec+45days | Chg+45days |
| Free Look Period | 20 Days | 30 Days | 21 Days | 30 Days | 20 Days | 21 Days | 30 Days | 30 Days | 30 Days | 21 Days |
| Rating -A.M.Best | B++ | B+ | B+ | B+ | B++ | B++* | B | B+ | B+ | B+ |
| Company Assets(in Millions) | $513 | $511 | $375 | $1,598 | $513 | $615 | $440 | $511 | $1,598 | $375 |
| Year Company Founded | 1924 | 1926 | 1925 | 1957 | 1924 | 1948 | 1973 | 1926 | 1957 | 1945 |
| Home Office | Houston TX | Baton Rouge LA | Charleston SC | OK CIty OK | Houston TX | Salt Lake City UT | St. Petersburg FL | Baton Rouge LA | OK City OK | 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 | New Era Enterprises | Kuvare US Holdings, Inc. | Advantage Capital | Liberty Life Group Trust | New Era Enterprises | Sentinel Security Life | Bankers Int'l Fin. Corp. Ltd | Kuvare US Holdings, Inc. | Liberty Life Group Trust | Advantage Capital |
| 10/16 | 2.30% | 2.40% | 3.80% | 2.75% | 3.05% | 2.90% | 2.60% | 2.50% | 3.00% | 4.15% |
| 11/16 | 2.30% | 2.40% | 3.90% | 2.75% | 3.05% | 3.00% | 2.60% | 2.50% | 3.00% | 4.25% |
| 12/16 | 2.40% | 2.40% | 3.90% | 2.75% | 3.15% | 3.00% | 2.60% | 2.50% | 3.00% | 4.25% |
| 01/17 | 2.40% | 2.60% | 3.90% | 2.75% | 3.15% | 3.00% | 2.60% | 2.70% | 3.00% | 4.25% |
| 02/17 | 2.40% | 2.60% | 4.00% | 2.75% | 3.15% | 3.15% | 2.60% | 2.70% | 3.00% | 4.40% |
| 03/17 | 2.40% | 2.60% | 4.00% | 2.75% | 3.15% | 3.15% | 2.60% | 2.70% | 3.00% | 4.40% |
| 04/17 | 2.40% | 2.60% | 4.00% | 2.75% | 3.15% | 3.15% | 2.60% | 2.70% | 3.00% | 4.40% |
| 05/17 | 2.40% | 2.60% | 4.10% | 2.75% | 3.15% | 3.15% | 3.25% | 3.25% | 3.00% | 4.50% |
| 06/17 | 2.40% | 2.60% | 4.10% | 2.75% | 3.25% | 3.25% | 3.25% | 3.25% | 3.00% | 4.50% |
| 07/17 | 2.40% | 2.60% | 4.00% | 2.75% | 3.25% | 3.15% | 2.60% | 3.25% | 3.00% | 4.40% |
| 08/17 | 2.40% | 2.60% | 4.00% | 2.85% | 3.25% | 3.15% | 2.60% | 3.25% | 3.00% | 4.40% |
| 09/17 | 2.40% | 2.60% | 4.00% | 2.85% | 3.25% | 3.15% | 2.60% | 3.25% | 3.00% | 4.40% |