Rates as of: 12/03/2018(To print the Top 10, please use the PDF version)

Insurance Company Investors
Heritage
Life
Liberty
Bankers
&

Capitol Life
Guaranty
Income
New Era Life
New Era MW

Phil Amer
Atlantic
Coast
Life
Equitable
Life and
Casualty
Investors
Heritage
Life
PHL
Variable

(Nassau RE)
Guaranty
Income
Investors
Heritage
Life
Name of AnnuityHeritageBldr3Bankers Elite 3Guaranty 4SecChoice5Safe Haven 5SecureSavingsHeritageBldr5Nassau5XGuaranty 6HeritageBldr7
Average Annual Yield 3.10%3.25%3.00%3.95%4.00%4.00%4.00%4.05%4.10%4.10%
Initial Period Yield 3.10% 3.25%3.00% 3.95% 4.80%4.00%4.00% 4.05% 4.10% 4.10%
Minimum Amount$25,000$10,000$5,000
($2,000 Q)
$10,000$5,000$10,000$10,000$15,000$5,000
($2,000 Q)
$10,000
New Rate-Effective Date10/01/1810/01/1810/01/1811/01/187/09/187/16/1810/01/189/01/1811/01/1810/01/18
New Rate-
Effective Date
          
Rate on Other Amounts   4.00% on Internal ExchangesOptional
Liquidity Riders
Available with
Lower Rate
     
EAY Incl Non-Forfeitable
Bonus on Prem. Received
  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
   
Minimum Rate Guarantee1.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt10%  of
Ann Value

None

100%
Interest
100%
Interest
Option
Rider
5%  of
Ann Value
10%  of
Ann Value
IRA RMD
Only
100%
Interest
10%  of
Ann Value
Free Withdrawal Per Year120212Option121212212
Monthly Income ChecksYes
($100 min)
N/AYes
($100 min)
Yes
($125 min)
Option
($100 min)
Yes
($100 min)
Yes
($100 min)
Yes
(RMD Only)
Yes
($100 min)
Yes
($100 min)
Surrender Charges for Year0-900-900-1000-900-59| 60-900-900-900-850-1000-90
1
2
3
4
5
6
7
8
9
10
9%
8%
7%
MVA+7.9%
MVA+7.0%
MVA+6.2%
 
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%
 
9%
8%
7%
6%
5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+8%
MVA+7%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
 
9%
8%
7%
6%
5%
4%
3%
Penalty Applied from DateOfContractContractContractContractCont/RenewCont/RenewContractContractContractContract
Action Req'd End of PeriodNONENONENONENONERRRRRRNONERRRNONENONE
PenaltyWaived-PayOutOver10 YearsNO5 YearsNONONO10 Years10 Years5 Years10 Years
PenaltyWaived @ DeathOwnerNOOwnerOwnerOptionOwnerOwnerOwnerOwnerOwner
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner908510090909090859090
- Annuitant908510090909090859090
Days Rate Held on RolloversApp+45daysHO Rec+45daysChg+45daysHO Rec+60Chg+45daysHO Rec+45daysApp+45daysChg+60daysChg+45daysApp+45days
Free Look Period30 Days30 Days30 Days20 Days21 Days30 Days30 Days10 Days30 Days30 Days
Rating -A.M.BestB+B++B++B++B++BB+BB++B+
Company Assets(in Millions)$454$1,712$665$538$445$352$454$6,319$665$454
Year Company Founded1961195719261924192519351961198119261961
Home OfficeFrankfort
KY
OK City
OK
Baton Rouge LAHouston
TX
Charleston
SC
Salt Lake City
UT
Frankfort
KY
Hartford
 CT
Baton Rouge LAFrankfort
KY
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 HeritageLiberty Life
Group Trust
Kuvare US Holdings, Inc.New Era EnterprisesAdvantage
Capital
SILAC, LLCAquarian Investors HeritageNassau
Reinsurance
Kuvare US Holdings, Inc.Aquarian Investors Heritage

Rate History on New Prem

          
12/17 2.15%2.60%3.25%4.10%   3.25% 
01/18 2.15%2.60%3.25%4.20%3.30%  3.25% 
02/18 2.15%2.60%3.35%4.20%3.30%  3.25% 
03/18 2.50%2.75%3.35%4.35%3.30%  3.40% 
04/18 2.50%2.75%3.50%4.35%3.30%  3.40% 
05/18 2.75%2.75%3.50%4.50%3.65% 3.40%3.40% 
06/18 2.75%2.75%3.60%4.50%3.65% 3.40%3.40% 
07/18 2.75%2.75%3.65%4.50%3.65% 3.55%3.40% 
08/18 2.75%2.80%3.75%4.80%4.00% 3.55%3.60% 
09/18 2.75%2.80%3.75%4.80%4.00% 3.55%3.60% 
10/183.10%3.25%2.80%3.80%4.80%4.00%4.00%4.05%3.70%4.10%
11/183.10%3.25%2.80%3.95%4.80%4.00%4.00%4.05%4.10%4.10%
12/183.10%3.25%2.80%3.95%4.80%4.00%4.00%4.05%4.10%4.10%