Rates as of: 11/18/2020(To print the Top 10, please use the PDF version)

Insurance Company Equitable
Life and
Casualty
New Era Life
New Era MW

Phil Amer
Western
United
Life
Equitable
Life and
Casualty
New Era Life
New Era MW

Phil Amer
Sentinel
Security

Life
Americo
Financial
Life
Western
United
Life
Sentinel
Security

Life
Atlantic
Coast
Life
Name of AnnuitySecuSavElite2SecChoice3NavigatorUltra3SecuSavElite5SecChoice5PersonalChoice5PlatinumAssure5NavigatorUltra5PersonalChoice7Safe Haven 10
Average Annual Yield 2.15%2.55%2.45%2.95%3.20%3.00%3.05%3.10%3.10%3.20%
Initial Period Yield 2.15%2.55% 2.45%2.95%3.20% 3.00%3.05%3.10%3.10%4.10%
Minimum Amount$10,000$10,000$10,000$10,000$10,000$2,500$10,000

$10,000

$2,500$5,000
New Rate-Effective Date11/09/20207/01/202010/14/202011/09/20207/01/202011/02/202011/01/202010/14/202011/02/202011/02/2020
New Rate-
Effective Date
          
Rate on Other AmountsOptional
Liquidity Riders
Available with
Lower Rate
2.60% on Internal Exchanges Optional
Liquidity Riders
Available with
Lower Rate
3.30% on Internal ExchangesOptional
Liquidity Riders
Available with
Lower Rate
  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 Period2 Years3 Years3 Years5 Years5 Years5 Years5 Years5 Years7 Years10 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
         3.10%
Years 2-10
Minimum Rate Guarantee1.00%2.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l AmtOption
Rider
100%
Interest
NoneOption
Rider
100%
Interest
Option
Rider
10% per
Contract Year
NoneOption
Rider
Option
Rider
Free Withdrawal Per YearOption12NoneOption12Option1NoneOptionOption
Monthly Income ChecksOption
($100 min)
Yes
($125 min)
NoOption
($100 min)
Yes
($125 min)
Option
($100 min)
YesNoOption
($100 min)
Option
($100 min)
Surrender Charges for Year18-850-1000-7518-850-900-59| 60-900-900-750-59| 60-900-59| 60-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+5%
MVA+5%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
 
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%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+9%
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+3%
MVA+5|MVA+2%
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 DateOfCont/RenewContractContractCont/RenewContractCont/RenewContractContractCont/RenewCont/Renew
Action Req'd End of PeriodRRRNONENONERRRNONERRRNONENONERRRRRR
PenaltyWaived-PayOutOverNONONONONONONONONONO
PenaltyWaived @ DeathNOOwnerNONOOwnerOptionOwnerNOOptionOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner851007585909090759090
- Annuitant851007585909090759090
Days Rate Held on RolloversAppDate+60HO Rec+60Chg+60daysAppDate+60HO Rec+60Chg+45daysApp Rec+45Chg+60daysChg+45daysChg+45days
Free Look Period30 Days20 Days15 Days30 Days20 Days21 Days20 Days15 Days21 Days21 Days
Rating -A.M.BestB+B++B+B+B++B++AB+B++B++
Company Assets(in Millions)$2,295$570$1,209$2,295$570$760$5,055$1,209$760$649
Year Company Founded1935192419631935192419481946196319481925
Home OfficeSalt Lake City
UT
Houston
TX
Spokane
WA
Salt Lake City
UT
Houston
TX
Salt Lake City
UT
Dallas
TX
Spokane
WA
Salt Lake City
UT
Charleston
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, LLCNew Era EnterprisesManhattan
Life Group
SILAC, LLCNew Era EnterprisesAdvantage
Capital
Partners
Financial
Holdong Corp.
Manhattan
Life Group
Advantage
Capital
Partners
Advantage
Capital

Rate History on New Prem

          
11/193.10%3.00% 4.00%3.65%3.70%  3.80%4.90%
12/193.10%3.00% 4.00%3.65%3.70%  3.80%4.90%
01/202.90%3.00% 3.80%3.65%3.70%  3.80%4.90%
02/202.90%3.00% 3.80%3.65%3.70%  3.80%4.90%
03/202.85%2.80% 3.65%3.45%3.60%  3.70%4.80%
04/202.30%2.45% 3.10%3.10%3.10%  3.20%4.20%
05/202.30%2.45% 3.10%3.10%3.10%  3.20%4.20%
06/202.30%2.45% 3.10%3.10%3.10%  3.20%4.20%
07/202.30%2.55% 3.10%3.20%3.35%  3.45%4.45%
08/202.30%2.55%New Annuity3.10%3.20%3.35% New Annuity3.45%4.45%
09/202.30%2.55%2.65%3.10%3.20%3.35% 3.30%3.45%4.45%
10/202.30%2.55%2.65%3.10%3.20%3.35%New Annuity3.30%3.45%4.45%
11/202.30%2.55%2.45%3.10%3.20%3.15%3.05%3.10%3.25%4.25%