| Insurance Company | SILAC Insurance Company | New Era Life New Era MW Phil Amer | Atlantic Coast Life | New Era Life New Era MW Phil Amer | SILAC Insurance Company | Sentinel Security Life | Western United Life | Western United Life | Atlantic Coast Life | Atlantic Coast Life |
| Name of Annuity | SecuSavElite2 | SecChoice3 | Safe Haven 5 | SecChoice5 | SecuSavElite5 | PersonalChoice5 | NavigatorElite5 | NavigatorUltra5 | Safe Haven 10 | Safe Haven 10 |
| Average Annual Yield | 2.15% | 2.35% | 2.95% | 3.00% | 2.95% | 3.00% | 2.75% | 2.90% | 3.09% | 3.20% |
| Initial Period Yield | 2.15% | 2.35% | 3.75% | 3.00% | 2.95% | 3.00% | 2.75% | 2.90% | 3.95% | 4.10% |
| Minimum Amount | $10,000 | $10,000 | $5,000 | $10,000 | $10,000 | $2,500 | $10,000 | $10,000 | $5,000 | $5,000 |
| New Rate-Effective Date | 11/09/2020 | 3/01/2021 | 06/01/2021 | 3/01/2021 | 11/09/2020 | 06/01/2021 | 3/03/2021 | 4/27/2021 | 06/01/2021 | 06/01/2021 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | Optional Liquidity Riders Available with Lower Rate | 2.40% on Internal Exchanges | Optional Liquidity Riders Available with Lower Rate (Rate shown with Accumulated Interest Rider -.05%) | 3.10% on Internal Exchanges | Optional Liquidity Riders Available with Lower Rate | Optional 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 | 1% Bonus Init Prem | 1% Bonus Init Prem | |||||||
| Rate Guarantee Period | 2 Years | 3 Years | 10 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 10 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 | 2.75% Years 2-5 | 2.95% Years 2-10 | 3.10% 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 | 100% Interest | 100% Interest | Option Rider | Option Rider | 10% per Contract Yr | None | Option Rider | Option Rider |
| Free Withdrawal Per Year | Option | 12 | 12 | 12 | Option | Option | 1 (EFT Only) | None | Option | Option |
| Monthly Income Checks | Option ($100 min) | Yes ($125 min) | Yes ($100 min) | Yes ($125 min) | Option ($100 min) | Option ($100 min) | No | No | Option ($100 min) | Option ($100 min) |
| Surrender Charges for Year | 18-85 | 0-100 | 0-59| 60-90 | 0-90 | 18-85 | 0-59| 60-90 | 0-84 | 0-75 | 0-59| 60-90 | 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+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+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+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 DateOf | Cont/Renew | Contract | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Contract | Contract | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | NONE | RRR | NONE | RRR | RRR | NONE | NONE | RRR | RRR |
| PenaltyWaived-PayOutOver | NO | 5 Years | NO | 5 Years | NO | 5 Years | NO | NO | NO | NO |
| PenaltyWaived @ Death | NO | Owner | Option | Owner | NO | Option | Annuitant | NO | Option | 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 | 90 | 90 |
| - Annuitant | 85 | 100 | 90 | 90 | 85 | 90 | 75 | 75 | 90 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | Chg+45days | HO Rec+60 | AppDate+60 | Chg+45days | HO Rec+60 | HO Rec+60 | Chg+45days | Chg+45days |
| Free Look Period | 30 Days | 20 Days | 21 Days | 20 Days | 30 Days | 21 Days | 20 Days | 20 Days | 21 Days | 21 Days |
| Rating -A.M.Best | B+ | B++ | B++ | B++ | B+ | B++ | B+ | B+ | B++ | B++ |
| Company Assets(in Millions) | $2,988 | $610 | $858 | $610 | $2,988 | $816 | $1,350 | $1,350 | $858 | $858 |
| Year Company Founded | 1935 | 1924 | 1925 | 1924 | 1935 | 1948 | 1963 | 1963 | 1925 | 1925 |
| Home Office | Salt Lake City UT | Houston TX | Charleston SC | Houston TX | Salt Lake City UT | Salt Lake City UT | Spokane WA | Spokane WA | Charleston SC | 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 | Advantage Capital | New Era Enterprises | SILAC, LLC | Advantage Capital Partners | Manhattan Life Group | Manhattan Life Group | Advantage Capital | Advantage Capital |
| 07/20 | 2.30% | 2.55% | 4.10% | 3.20% | 3.10% | 3.35% | 4.30% | 4.45% | ||
| 08/20 | 2.30% | 2.55% | 4.10% | 3.20% | 3.10% | 3.35% | New Annuity | New Annuity | 4.30% | 4.45% |
| 09/20 | 2.30% | 2.55% | 4.10% | 3.20% | 3.10% | 3.35% | 3.05% | 3.30% | 4.30% | 4.45% |
| 10/20 | 2.30% | 2.55% | 4.10% | 3.20% | 3.10% | 3.35% | 3.05% | 3.30% | 4.30% | 4.45% |
| 11/20 | 2.30% | 2.55% | 3.90% | 3.20% | 3.10% | 3.15% | 2.85% | 3.10% | 4.10% | 4.25% |
| 12/20 | 2.15% | 2.55% | 3.75% | 3.20% | 2.95% | 3.00% | 2.85% | 3.10% | 3.95% | 4.10% |
| 01/21 | 2.15% | 2.55% | 3.75% | 3.20% | 2.95% | 3.00% | 2.85% | 3.10% | 3.95% | 4.10% |
| 02/21 | 2.15% | 2.45% | 3.55% | 3.10% | 2.95% | 2.80% | 2.85% | 3.10% | 3.75% | 3.90% |
| 03/21 | 2.15% | 2.35% | 3.55% | 3.00% | 2.95% | 2.80% | 2.85% | 3.10% | 3.75% | 3.90% |
| 04/21 | 2.15% | 2.35% | 3.55% | 3.00% | 2.95% | 2.80% | 2.75% | 3.00% | 3.75% | 3.90% |
| 05/21 | 2.15% | 2.35% | 3.55% | 3.00% | 2.95% | 2.80% | 2.75% | 3.00% | 3.75% | 3.90% |
| 06/21 | 2.15% | 2.35% | 3.75% | 3.00% | 2.95% | 3.00% | 2.75% | 3.00% | 3.75% | 3.90% |
| 07/21 | 2.15% | 2.35% | 3.75% | 3.00% | 2.95% | 3.00% | 2.75% | 3.00% | 3.75% | 3.90% |