Rates as of: 06/03/2019(To print the Top 10, please use the PDF version)

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 AnnuitySecuSavElite2SecChoice3Guaranty 4SecChoice5Safe Haven 5SecureSavingsSecuSavElite5PersonalChoice5Safe Haven 7Safe Haven 10
Average Annual Yield 3.20%3.00%3.15%3.95%4.00%4.00%4.10%4.00%4.19%4.30%
Initial Period Yield 3.20%3.00% 3.15% 3.95% 4.80%4.00%4.10%4.00%5.05%5.20%
Minimum Amount$10,000$10,000$5,000
($2,000 Q)
$10,000$5,000$10,000$10,000$2,5000$5,000$5,000
New Rate-Effective Date11/01/184/01/1903/01/1911/01/187/09/187/16/1811/01/181/08/197/09/187/09/18
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
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 Period2 Years3 Years4 Years5 Years5 Years5 Years5 Years5 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
   3.80%
Years 2-5
   4.05%
Years 2-7
4.20%
Years 2-10
Minimum Rate Guarantee1.65%2.00%1.25%2.00%1.65%1.65%1.65%1.65%1.65%1.65%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l AmtNone100%
Interest
100%
Interest
100%
Interest
Option
Rider
5%  of
Ann Value
NoneOption
Rider
Option
Rider
Option
Rider
Free Withdrawal Per Year012212Option120OptionOptionOption
Monthly Income ChecksN/AYes
($125 min)
Yes
($100 min)
Yes
($125 min)
Option
($100 min)
Yes
($100 min)
N/AOption
($100 min)
Option
($100 min)
Option
($100 min)
Surrender Charges for Year18-850-1000-1000-900-59| 60-9018-9018-850-59| 60-900-59| 60-900-59| 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 DateOfCont/RenewContractContractContractCont/RenewCont/RenewCont/RenewCont/RenewCont/RenewCont/Renew
Action Req'd End of PeriodRRRNONENONENONERRRRRRRRRRRRRRRRRR
PenaltyWaived-PayOutOverNONO5 YearsNONONONONONONO
PenaltyWaived @ DeathNOOwnerOwnerOwnerOptionOwnerNOOptionOptionOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner8510010090909085909090
- Annuitant8510010090909085909090
Days Rate Held on RolloversHO Rec+45daysHO Rec+60Chg+45daysHO Rec+60Chg+45daysHO Rec+45daysHO Rec+45daysChg+45daysChg+45daysChg+45days
Free Look Period30 Days20 Days30 Days20 Days21 Days30 Days30 Days21 Days21 Days21 Days
Rating -A.M.BestBB++B++B++B++BBB++B++B++
Company Assets(in Millions)$352$538$665$538$445$352$352$797$445$445
Year Company Founded1935192419261924192519351935194819251925
Home OfficeSalt Lake City
UT
Houston
TX
Baton Rouge LAHouston
TX
Charleston
SC
Salt Lake City
UT
Salt Lake City
UT
Salt Lake City
UT
Charleston
SC
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 CompanySILAC, LLCNew Era EnterprisesKuvare US Holdings, Inc.New Era EnterprisesAdvantage
Capital
SILAC, LLCSILAC, LLCAdvantage
Capital
Partners
Advantage
Capital
Advantage
Capital

Rate History on New Prem

          
05/18 2.70%2.75%3.50%4.50%3.65% 3.65%4.75%4.90%
06/18 2.70%2.75%3.60%4.50%3.65% 3.65%4.75%4.90%
07/18 2.75%2.75%3.65%4.50%3.65% 3.65%4.75%4.90%
08/18 2.85%2.80%3.75%4.80%4.00% 4.00%5.05%5.20%
09/18 2.85%2.80%3.75%4.80%4.00% 4.00%5.05%5.20%
10/18 2.90%3.00%3.80%4.80%4.00% 4.00%5.05%5.20%
11/183.20%2.90%3.00%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
12/183.20%2.90%3.00%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
01/193.20%2.90%3.00%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
02/193.20%2.90%3.00%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
03/193.20%2.90%3.15%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
04/193.20%3.00%3.15%3.95%4.80%4.00%4.10%4.00%5.05%5.20%
05/193.20%3.00%3.15%3.95%4.80%4.00%4.10%4.00%5.05%5.20%