Rates as of: 10/01/2018(To print the Top 10, please use the PDF version)

Insurance Company Equitable
Life and
Casualty
Liberty
Bankers
&

Capitol Life
New Era Life
New Era MW

Phil Amer
Guaranty
Income
Atlantic
Coast
Life
New Era Life
New Era MW

Phil Amer
Equitable
Life and
Casualty
PHL
Variable

(Phoenix)
Guaranty
Income
Atlantic
Coast
Life
Name of AnnuitySecureSavingsBankers Elite 3SecChoice3Guaranty 4Safe Haven 5SecChoice5SecureSavingsNassau5XGuaranty 6Safe Haven 7
Average Annual Yield 2.80%3.25%2.90%3.00%4.00%3.80%4.00%4.05%3.70%4.19%
Initial Period Yield 2.80%3.25%2.90% 3.00% 4.80%3.80% 4.00%4.05% 3.70% 5.05%
Minimum Amount$10,000$10,000$10,000$5,000
($2,000 Q)
$5,000$10,000$10,000$15,000$5,000
($2,000 Q)
$5,000
New Rate-Effective Date7/16/1810/01/1810/01/1810/01/187/09/1810/01/187/16/189/01/1810/01/187/09/18
New Rate-
Effective Date
          
Rate on Other Amounts  2.95% on Internal Exchanges Optional
Liquidity Riders
Available with
Lower Rate
3.85% on Internal Exchanges   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 Period2 Years3 Years3 Years4 Years5 Years5 Years5 Years5 Years6 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
   3.80%
Years 2-5
  4.05%
Years 2-7
Minimum Rate Guarantee1.00%1.00%2.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt5%  of
Ann Value

None

100%
Interest
100%
Interest
Option
Rider
100%
Interest
5%  of
Ann Value
IRA RMD
Only
100%
Interest
Option
Rider
Free Withdrawal Per Year120122Option1212122Option
Monthly Income ChecksYes
($100 min)
N/AYes
($125 min)
Yes
($100 min)
Option
($100 min)
Yes
($125 min)
Yes
($100 min)
Yes
(RMD Only)
Yes
($100 min)
Option
($100 min)
Surrender Charges for Year0-900-900-1000-1000-59| 60-900-900-900-850-1000-59| 60-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+7.9%
MVA+7.0%
MVA+6.2%
 
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+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+8%
MVA+7%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
 
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%
Penalty Applied from DateOfCont/RenewContractContractContractCont/RenewContractCont/RenewContractContractCont/Renew
Action Req'd End of PeriodRRRNONENONENONERRRNONERRRRRRNONERRR
PenaltyWaived-PayOutOverNONO5 Years5 YearsNONONO10 Years5 YearsNO
PenaltyWaived @ DeathOwnerNOOwnerOwnerOptionOwnerOwnerOwnerOwnerOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner9085100100909090859090
- Annuitant9085100100909090859090
Days Rate Held on RolloversHO Rec+45daysHO Rec+45daysHO Rec+60Chg+45daysChg+45daysHO Rec+60HO Rec+45daysChg+60daysChg+45daysChg+45days
Free Look Period30 Days30 Days20 Days30 Days21 Days20 Days30 Days10 Days30 Days21 Days
Rating -A.M.BestBB++B++ B++B++B++BBB++B++
Company Assets(in Millions)$352$1,712$538$665$445$538$352$6,319$665$445
Year Company Founded1935195719241926192519241935198119261925
Home OfficeSalt Lake City
UT
OK City
OK
Houston
TX
Baton Rouge LACharleston
SC
Houston
TX
Salt Lake City
UT
Hartford
 CT
Baton Rouge LACharleston
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, LLCLiberty Life
Group Trust
New Era EnterprisesKuvare US Holdings, Inc.Advantage
Capital
New Era EnterprisesSILAC, LLCNassau
Reinsurance
Kuvare US Holdings, Inc.Advantage
Capital

Rate History on New Prem

          
09/17 2.15%2.40%2.60%4.00%3.25%  3.25%4.25%
10/17 2.15%2.40%2.60%4.00%3.25%  3.25%4.25%
11/17 2.15%2.40%2.60%4.10%3.25%  3.25%4.35%
12/17 2.15%2.40%2.60%4.10%3.25%  3.25%4.35%
01/182.50%2.15%2.40%2.60%4.20%3.25%3.30% 3.25%4.46%
02/182.50%2.15%2.40%2.60%4.20%3.35%3.30% 3.25%4.46%
03/182.50%2.50%2.55%2.75%4.35%3.35%3.30% 3.40%4.61%
04/182.50%2.50%2.55%2.75%4.35%3.50%3.30%3.40%3.40%4.61%
05/182.65%2.75%2.70%2.75%4.50%3.50%3.65%3.40%3.40%4.75%
06/182.65%2.75%2.70%2.75%4.50%3.60%3.65%3.55%3.40%4.75%
07/182.65%2.75%2.75%2.75%4.50%3.65%3.65%3.55%3.40%4.75%
08/182.80%2.75%2.85%2.80%4.80%3.75%4.00%3.55%3.60%5.05%
09/182.80%2.75%2.85%2.80%4.80%3.75%4.00%4.05%3.60%5.05%