| Insurance Company | Equitable Life and Casualty | 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 | Atlantic Coast Life | Atlantic Coast Life |
| Name of Annuity | SecuSavElite2 | SecChoice3 | Guaranty 4 | SecChoice5 | Safe Haven 5 | SecureSavings | SecuSavElite5 | PersonalChoice5 | Safe Haven 7 | Safe Haven 10 |
| Average Annual Yield | 2.90% | 3.00% | 2.75% | 3.65% | 3.70% | 3.55% | 3.80% | 3.70% | 3.89% | 4.00% |
| Initial Period Yield | 2.90% | 3.00% | 2.75% | 3.65% | 4.50% | 3.55% | 3.80% | 3.70% | 4.75% | 4.90% |
| Minimum Amount | $10,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 | $5,000 | $10,000 | $10,000 | $2,500 | $5,000 | $5,000 |
| New Rate-Effective Date | 12/04/19 | 4/01/19 | 1/01/2020 | 11/01/19 | 10/08/19 | 12/04/19 | 12/04/19 | 10/08/19 | 10/08/19 | 10/08/19 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | Optional Liquidity Riders Available with Lower Rate | 3.05% on Internal Exchanges | 3.75% 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 | 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 | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 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 | 3.50% Years 2-5 | 3.75% Years 2-7 | 3.90% Years 2-10 | |||||||
| Minimum Rate Guarantee | 1.65% | 2.00% | 1.25% | 2.00% | 1.00% | 1.65% | 1.65% | 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 | 5% of Ann Value | Option Rider | Option Rider | Option Rider | Option Rider |
| Free Withdrawal Per Year | Option | 12 | 2 | 12 | Option | 12 | Option | Option | Option | Option |
| Monthly Income Checks | Option ($100 min) | Yes ($125 min) | Yes ($100 min) | Yes ($125 min) | Option ($100 min) | Yes ($100 min) | Option ($100 min) | Option ($100 min) | Option ($100 min) | Option ($100 min) |
| Surrender Charges for Year | 18-85 | 0-100 | 0-100 | 0-90 | 0-59| 60-90 | 18-90 | 18-85 | 0-59| 60-90 | 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+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+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+2% MVA+5|MVA+0% MVA+5|MVA+0% |
| Penalty Applied from DateOf | Cont/Renew | Contract | Contract | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | NONE | NONE | NONE | RRR | RRR | RRR | RRR | RRR | RRR |
| PenaltyWaived-PayOutOver | NO | NO | 5 Years | NO | NO | NO | NO | NO | NO | NO |
| PenaltyWaived @ Death | NO | Owner | Owner | Owner | Option | Owner | NO | Option | 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 | 100 | 90 | 90 | 90 | 85 | 90 | 90 | 90 |
| - Annuitant | 85 | 100 | 100 | 90 | 90 | 90 | 85 | 90 | 90 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | Chg+45days | HO Rec+60 | Chg+45days | AppDate+60 | AppDate+60 | Chg+45days | Chg+45days | Chg+45days |
| Free Look Period | 30 Days | 20 Days | 30 Days | 20 Days | 21 Days | 30 Days | 30 Days | 21 Days | 21 Days | 21 Days |
| Rating -A.M.Best | B+ | B++ | B++u | B++ | B++ | B+ | B+ | B++ | B++ | B++ |
| Company Assets(in Millions) | $1,361 | $552 | $1,326 | $552 | $504 | $1,361 | $1,361 | $612 | $504 | $504 |
| Year Company Founded | 1935 | 1924 | 1926 | 1924 | 1925 | 1935 | 1935 | 1948 | 1925 | 1925 |
| Home Office | Salt Lake City UT | Houston TX | Baton Rouge LA | Houston TX | Charleston SC | Salt Lake City UT | Salt Lake City UT | Salt Lake City UT | 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 | Kuvare US Holdings, Inc. | New Era Enterprises | Advantage Capital | SILAC, LLC | SILAC, LLC | Advantage Capital Partners | Advantage Capital | Advantage Capital |
| 01/19 | 3.20% | 2.90% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 02/19 | 3.20% | 2.90% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 03/19 | 3.20% | 2.90% | 3.15% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 04/19 | 3.20% | 3.00% | 3.15% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 05/19 | 3.20% | 3.00% | 3.15% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 06/19 | 3.20% | 3.00% | 3.15% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 5.05% | 5.20% |
| 07/19 | 3.10% | 3.00% | 3.15% | 3.85% | 4.80% | 3.90% | 4.00% | 4.00% | 5.05% | 5.20% |
| 08/19 | 3.10% | 3.00% | 3.15% | 3.85% | 4.80% | 3.90% | 4.00% | 4.00% | 5.05% | 5.20% |
| 09/19 | 3.10% | 3.00% | 2.65% | 3.75% | 4.80% | 3.90% | 4.00% | 4.00% | 5.05% | 5.20% |
| 10/19 | 3.10% | 3.00% | 2.65% | 3.75% | 4.65% | 3.75% | 4.00% | 3.85% | 4.90% | 5.05% |
| 11/19 | 3.10% | 3.00% | 2.55% | 3.65% | 4.50% | 3.75% | 4.00% | 3.70% | 4.75% | 4.90% |
| 12/19 | 3.10% | 3.00% | 2.55% | 3.65% | 4.50% | 3.75% | 4.00% | 3.70% | 4.75% | 4.90% |
| 01/20 | 3.10% | 3.00% | 2.75% | 3.65% | 4.50% | 3.75% | 4.00% | 3.70% | 4.75% | 4.90% |