Rates as of: 9/18/2017(To print the Top 10, please use the PDF version)

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 AnnuitySecChoice3Guaranty 4Safe Haven 5Bankers5PremSecChoice5PersonalChoice5SPDA-5Guaranty 6Bankers7PremSafe 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 Date12/01/161/01/177/01/177/12/176/01/177/01/179/18/174/08/178/01/167/01/17
New Rate-
Effective Date
          
Rate on Other Amounts2.45% 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
EAY Incl Non-Forfeitable
Bonus on Prem. Received
 1% Bonus
Init Prem
 1% Bonus
Init Prem
Rate Guarantee Period3 Years4 Years5 Years5 Years5 Years5 Years5 Years6 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
 3.00%
Years 2-5
     3.40%
Years 2-10
Minimum Rate Guarantee2.00%1.00%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 Amt100%
Interest
100%
Interest
Option
Rider

100%
Interest

100%
Interest
Option
Rider

10% of
Ann Value

100%
Interest

100%
Interest

Option
Rider
Free Withdrawal Per Year122Option212Option122Option
Monthly Income ChecksYes
($125 min)
Yes
($100 min)
Option
($100 min)
Yes
($100 min)
Yes
($125 min)
OptionYes
($100 min)
Yes
($100 min)
Yes
($100 min)
Option
($100 min)
Surrender Charges for Year0-1000-1000-59| 60-900-900-900-59|  60-900-850-79         0-55| 56-850-59| 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 DateOfContractContractCont/RenewContractContractCont/RenewContractContractContractCont/Renew
Action Req'd End of PeriodNONENONERRRNONENONERRRNONENONENONERRR
PenaltyWaived-PayOutOver5 Years5 YearsNO5 YearsNONO5 Years5 YearsNONO
PenaltyWaived @ DeathOwnerOwnerOptionAnnuitantOwnerOptionAnnuitantOwnerAnnuitantOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner1001009090909085798590
- Annuitant1001009090909085798590
Days Rate Held on RolloversHO Rec+60Chg+45daysChg+45daysHO Rec+45daysHO Rec+60Chg+45daysChg+45daysChg+45daysHO Rec+45daysChg+45days
Free Look Period20 Days30 Days21 Days30 Days20 Days21 Days30 Days30 Days30 Days21 Days
Rating -A.M.BestB++ B+B+B+B++B++*BB+B+B+
Company Assets(in Millions)$513$511$375$1,598$513$615$440$511$1,598$375
Year Company Founded1924192619251957192419481973192619571945
Home OfficeHouston
TX
Baton Rouge LACharleston
SC
OK CIty
OK
Houston
TX
Salt Lake City
UT
St. Petersburg
FL
Baton Rouge LAOK City
OK
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 CompanyNew Era EnterprisesKuvare US Holdings, Inc.Advantage
Capital
Liberty Life
Group Trust
New Era EnterprisesSentinel Security LifeBankers Int'l
Fin. Corp. Ltd
Kuvare US Holdings, Inc.Liberty Life
Group Trust
Advantage
Capital

Rate History on New Prem

          
10/162.30%2.40%3.80%2.75%3.05%2.90%2.60%2.50%3.00%4.15%
11/162.30%2.40%3.90%2.75%3.05%3.00%2.60%2.50%3.00%4.25%
12/162.40%2.40%3.90%2.75%3.15%3.00%2.60%2.50%3.00%4.25%
01/172.40%2.60%3.90%2.75%3.15%3.00%2.60%2.70%3.00%4.25%
02/172.40%2.60%4.00%2.75%3.15%3.15%2.60%2.70%3.00%4.40%
03/172.40%2.60%4.00%2.75%3.15%3.15%2.60%2.70%3.00%4.40%
04/172.40%2.60%4.00%2.75%3.15%3.15%2.60%2.70%3.00%4.40%
05/172.40%2.60%4.10%2.75%3.15%3.15%3.25%3.25%3.00%4.50%
06/172.40%2.60%4.10%2.75%3.25%3.25%3.25%3.25%3.00%4.50%
07/172.40%2.60%4.00%2.75%3.25%3.15%2.60%3.25%3.00%4.40%
08/172.40%2.60%4.00%2.85%3.25%3.15%2.60%3.25%3.00%4.40%
09/172.40%2.60%4.00%2.85%3.25%3.15%2.60%3.25%3.00%4.40%