Rates as of: 04/18/2019(To print the Top 10, please use the PDF version)

Insurance Company Investors
Heritage
Life
New Era Life
New Era MW

Phil Amer
Guaranty
Income
New Era Life
New Era MW

Phil Amer
Atlantic
Coast
Life
Equitable
Life and
Casualty
Equitable
Life and
Casualty
Sentinel
Security

Life
Guaranty
Income
Atlantic
Coast
Life
Name of AnnuityHeritageBldr3SecChoice3Guaranty 4SecChoice5Safe Haven 5SecureSavingsSecuSavElite5PersonalChoice5Guaranty 6Safe Haven 7
Average Annual Yield 2.90%3.00%3.15%3.95%4.00%4.00%4.10%4.00%3.85%4.19%
Initial Period Yield 2.90% 3.00% 3.15% 3.95% 4.80%4.00%4.10%4.00%3.85% 5.05%
Minimum Amount$50,000$10,000$5,000
($2,000 Q)
$10,000$5,000$10,000
($5,500 Q)
$10,000
($5,500 Q)
$2,5000$5,000
($2,000 Q)
$5,000
New Rate-Effective Date01/26/194/01/1903/01/1911/01/187/09/187/16/1811/01/181/08/1903/01/197/09/18
New Rate-
Effective Date
          
Rate on Other Amounts 3.05% on Internal Exchanges 4.00% 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
   1% Bonus
Init Prem
Rate Guarantee Period3 Years3 Years4 Years5 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 Guarantee1.65%2.00%1.25%2.00%1.65%1.65%1.65%1.65%1.25%1.65%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt10%  of
Ann Value
100%
Interest
100%
Interest
100%
Interest
Option
Rider
5%  of
Ann Value
NoneOption
Rider
100%
Interest
Option
Rider
Free Withdrawal Per Year1212212Option120Option2Option
Monthly Income ChecksYes
($100 min)
Yes
($125 min)
Yes
($100 min)
Yes
($125 min)
Option
($100 min)
Yes
($100 min)
N/AOption
($100 min)
Yes
($100 min)
Option
($100 min)
Surrender Charges for Year0-900-1000-1000-900-59| 60-9018-9018-850-59| 60-900-1000-59| 60-90
1
2
3
4
5
6
7
8
9
10
9%
8%
7%
MVA+5%
MVA+5%
MVA+5%
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+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 DateOfContractContractContractContractCont/RenewCont/RenewCont/RenewCont/RenewContractCont/Renew
Action Req'd End of PeriodNONENONENONENONERRRRRRRRRRRRNONERRR
PenaltyWaived-PayOutOver10 YearsNO5 YearsNONONONONO5 YearsNO
PenaltyWaived @ DeathOwnerOwnerOwnerOwnerOptionOwnerNOOptionOwnerOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner9010010090909085909090
- Annuitant9010010090909085909090
Days Rate Held on RolloversApp+45daysHO Rec+60Chg+45daysHO Rec+60Chg+45daysHO Rec+45daysHO Rec+45daysChg+45daysChg+45daysChg+45days
Free Look Period30 Days20 Days30 Days20 Days21 Days30 Days30 Days21 Days30 Days21 Days
Rating -A.M.BestB+B++B++B++B++BBB++B++B++
Company Assets(in Millions)$454$538$665$538$445$352$352$797$665$445
Year Company Founded1961192419261924192519351935194819261925
Home OfficeFrankfort
KY
Houston
TX
Baton Rouge LAHouston
TX
Charleston
SC
Salt Lake City
UT
Salt Lake City
UT
Salt Lake City
UT
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 CompanyAquarian Investors HeritageNew Era EnterprisesKuvare US Holdings, Inc.New Era EnterprisesAdvantage
Capital
SILAC, LLCSILAC, LLCAdvantage
Capital
Partners
Kuvare US Holdings, Inc.Advantage
Capital

Rate History on New Prem

          
04/18 2.55%2.75%3.50%4.35%3.30% 3.50%3.40%4.61%
05/18 2.70%2.75%3.50%4.50%3.65% 3.65%3.40%4.75%
06/18 2.70%2.75%3.60%4.50%3.65% 3.65%3.40%4.75%
07/18 2.75%2.75%3.65%4.50%3.65% 3.65%3.40%4.75%
08/18 2.85%2.80%3.75%4.80%4.00% 4.00%3.60%5.05%
09/18 2.85%2.80%3.75%4.80%4.00% 4.00%3.60%5.05%
10/183.10%2.90%3.00%3.80%4.80%4.00% 4.00%3.70%5.05%
11/183.10%2.90%3.00%3.95%4.80%4.00%4.10%4.00%4.10%5.05%
12/183.10%2.90%3.00%3.95%4.80%4.00%4.10%4.00%4.10%5.05%
01/193.10%2.90%3.00%3.95%4.80%4.00%4.10%4.00%4.10%5.05%
02/192.90%2.90%3.00%3.95%4.80%4.00%4.10%4.00%4.10%5.05%
03/192.90%2.90%3.15%3.95%4.80%4.00%4.10%4.00%3.85%5.05%
04/192.90%3.00%3.15%3.95%4.80%4.00%4.10%4.00%3.85%5.05%