Rates as of: 8/17/2018(To print the Top 10, please use the PDF version)

Insurance Company Equitable
Life and
Casualty
New Era Life
New Era MW

Phil Amer
Western
Bankers

Life
Guaranty
Income
Atlantic
Coast
Life
New Era Life
New Era MW

Phil Amer
Equitable
Life and
Casualty
Western
Bankers

Life
Guaranty
Income
Western
Bankers

Life
Name of AnnuitySecureSavingsSecChoice3SPDA-3Guaranty 4Safe Haven 5SecChoice5SecureSavingsSPDA-5Guaranty 6SPDA-7
Average Annual Yield 2.80%2.85%3.10%2.80%4.00%3.75%4.00%3.80%3.60%4.10%
Initial Period Yield 2.80%2.85% 3.10%2.80% 4.80%3.75% 4.00%3.80%3.60% 4.10%
Minimum Amount$20,000$10,000$50,000$5,000
($2,000 Q)
$5,000$10,000$20,000$10,000$5,000
($2,000 Q)
$10,000
New Rate-Effective Date7/16/188/01/187/01/188/01/187/09/188/01/187/16/187/01/188/01/187/01/18
New Rate-
Effective Date
          
Rate on Other Amounts 2.90% on Internal Exchanges  Optional
Liquidity Riders
Available with
Lower Rate
3.80% on Internal Exchanges    
EAY Incl Non-Forfeitable
Bonus on Prem. Received
  1% Bonus
Init Prem
  
Rate Guarantee Period2 Years3 Years3 Years4 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%2.00%1.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt5% Yr 1+
100% end Yr2
100%
Interest

10% of
Ann Value

100%
Interest
Option
Rider
100%
Interest
5% Yr 1+
100% end Yr5

10% of
Ann Value

100%
Interest

10% of
Ann Value

Free Withdrawal Per Year11212Option121121
Monthly Income ChecksNoYes
($125 min)
Yes
($100 min)
Yes
($100 min)
Option
($100 min)
Yes
($125 min)
NoYes
($100 min)
Yes
($100 min)
Yes
($100 min)
Surrender Charges for Year0-900-1000-850-1000-59| 60-900-900-900-850-900-85
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+5%
MVA+5%
MVA+5%
9%
8%
7%
 
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+5%
MVA+5%
MVA+5%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
 
9%
8%
7%
6%
5%
 
MVA+8%
MVA+7%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
 
9%
8%
7%
6%
5%
4%
3%
Penalty Applied from DateOfCont/RenewContractContractContractCont/RenewContractCont/RenewContractContractContract
Action Req'd End of PeriodRRRNONENONENONERRRNONERRRNONENONENONE
PenaltyWaived-PayOutOverNO5 Years5 Years5 YearsNONONO5 Years5 Years5 Years
PenaltyWaived @ DeathOwnerOwnerAnnuitantOwnerOptionOwnerOwnerAnnuitantOwnerAnnuitant
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner9010085100909090859085
- Annuitant9010085100909090859085
Days Rate Held on RolloversHO Rec+45daysHO Rec+60Chg+45daysChg+45daysChg+45daysHO Rec+60HO Rec+45daysChg+45daysChg+45daysChg+45days
Free Look Period30 Days20 Days30 Days30 Days21 Days20 Days30 Days30 Days30 Days30 Days
Rating -A.M.BestBB++ BB++B++B++BBB++B
Company Assets(in Millions)$352$538$234$665$445$538$352$234$665$234
Year Company Founded1935192419731926192519241935197319261973
Home OfficeSalt Lake City
UT
Houston
TX
St. Petersburg
FL
Baton Rouge LACharleston
SC
Houston
TX
Salt Lake City
UT
St. Petersburg
FL
Baton Rouge LASt. Petersburg
FL
Insurance Company TypeLegal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Ultimate Parent CompanySILAC, LLCNew Era EnterprisesBankers Int'l
Fin. Corp. Ltd
Kuvare US Holdings, Inc.Advantage
Capital
New Era EnterprisesSILAC, LLCBankers Int'l
Fin. Corp. Ltd
Kuvare US Holdings, Inc.Bankers Int'l
Fin. Corp. Ltd

Rate History on New Prem

          
08/17 2.40% 2.60%4.00%3.25% 2.60%3.25%2.90%
09/17 2.40% 2.60%4.00%3.25% 2.60%3.25%2.90%
10/17 2.40% 2.60%4.00%3.25% 3.00%3.25%3.10%
11/17 2.40% 2.60%4.10%3.25% 3.00%3.25%3.10%
12/17 2.40% 2.60%4.10%3.25% 3.00%3.25%3.10%
01/182.50%2.40% 2.60%4.20%3.25%3.30%3.00%3.25%3.10%
02/182.50%2.40% 2.60%4.20%3.35%3.30%3.25%3.25%3.50%
03/182.50%2.55% 2.75%4.35%3.35%3.30%3.35%3.40%3.60%
04/182.50%2.55% 2.75%4.35%3.50%3.30%3.60%3.40%3.85%
05/182.65%2.70% 2.75%4.50%3.50%3.65%3.60%3.40%3.85%
06/182.65%2.70%NewAnnuity2.75%4.50%3.60%3.65%3.60%3.40%3.85%
07/182.65%2.75%3.10%2.75%4.50%3.65%3.65%3.80%3.40%4.10%
08/182.80%2.85%3.10%2.80%4.80%3.75%4.00%3.80%3.60%4.10%