Rates as of: 12/07/2022(To print the Top 10, please use the PDF version)

Insurance Company American
Life &
Security
Guaranty
Income
Life
New Era Life
New Era MW

Phil Amer
Guaranty
Income
Life
American
Life &
Security
Guaranty
Income
Life
Americo
Financial
Life
Life
of the
Southwest
New Era Life
New Era MW

Phil Amer
Americo
Financial
Life
Name of AnnuityAmericanClassic3GuarRateLock3SecChoice3GuarRateLock4AmericanClassic5GuarRateLock5PlatinumAssure5RM Secure 5SecChoice5PlatinumAssure7
Average Annual Yield 5.20%4.80%5.00%4.90%5.40%5.10%5.40%5.25%5.30%5.50%
Initial Period Yield 5.20%5.20%5.00% 4.90%5.40%5.10%5.40%5.25%5.30% 5.50%
Minimum Amount$1,000$10,000$10,000$10,000$1,000$10,000$20,000$100,000$10,000$20,000
New Rate-Effective Date11/21/202211/11/202212/01/202211/11/202211/21/202212/07/202211/18/202210/31/202212/01/202211/18/2022
New Rate-
Effective Date
          
Rate on Other Amounts5.35%
 Effective Rate
w/ 0.45%
Loyalty Bonus
No W/D exc RMD
4.90%
 Rate For
 $100,000+

 
5.05% on Internal Exchanges

 
5.00%
 Rate For
 $100,000+

 
5.52%
 Effective Rate
w/ 0.60%
Loyalty Bonus
No W/D exc RMD
5.20%
 Rate For
 $100,000+

 
  5.40% on Internal Exchanges

 
 
EAY Incl Non-Forfeitable
Bonus on Prem. Received
          
Rate Guarantee Period3 Years3 Years3 Years4 Years5 Years5 Years5 Years5 Years5 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
          
Minimum Rate Guarantee1.00%0.50%2.00%0.50%1.00%0.50%1.00%1.00%2.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt10% of Prev
Yr Ann Value
5% of Prev
Yr Ann Value
100%
Interest
5% of Prev
Yr Ann Value
10% of Prev
Yr Ann Value
5% of Prev
Yr Ann Value
5% of
Acct Value
10% of
Acct Value
100%
Interest
5% of
Acct Value
Free Withdrawal Per Year1 (Yr2+)4 (Yr2+)124 (Yr2+)1 (Yr2+)4 (Yr2+)11 (Yr2+)121
Monthly Income ChecksYes (Yr 2+)
 
Yes (Yr 2+)
($250 min)
Yes
($125 min)
Yes (Yr 2+)
($250 min)
Yes (Yr 2+)
 
Yes (Yr 2+)
($250 min)
Yes NoYes
($125 min)
Yes
Surrender Charges for Year0-900-1000-1000-1000-900-1000-900-850-900-85
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
MVA+7%
MVA+9%
MVA+8%
MVA+7%

 
MVA+5%
MVA+5%
MVA+5%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
 
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+7%
MVA+6%
MVA+5%
 
7%
7%
7%
6%
5%
 
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
MVA+3%
 
Penalty Applied from DateOfCont/RenewCont/RenewContractCont/RenewCont/RenewCont/RenewContractContractContractContract
Action Req'd End of PeriodRRRRRRNONERRRRRRRRRNONENONENONENONE
PenaltyWaived-PayOutOver5 Years w/MVANO5 YearsNO5 Years w/MVANONOw3/5Yrs5 YearsNO
PenaltyWaived @ DeathOwnerOwnerOwnerOwnerOwnerOwnerOwnerAnnuitantOwnerOwner
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner901001001009010090859085
- Annuitant901001001009010090859085
Days Rate Held on RolloversChg+30daysHO Rec+45HO Rec+60HO Rec+45Chg+30daysHO Rec+45HO Rec+45Chg+45 DaysHO Rec+60HO Rec+45
Free Look Period30 Days30 Days20 Days30 Days30 Days30 Days20 Days30 Days20 Days20 Days
Rating -A.M.BestB++A-A-A-B++A-AA+A-A
Company Assets(in Millions)$1,212$3,668$651$3,668$1,212$3,668$6,172$40,100$651$6,172
Year Company Founded1960192619241926196019261946195519241946
Home OfficeLincoln
NE
BatonRouge
LA
Houston
TX
BatonRouge
LA
Lincoln
NE
BatonRouge
LA
Kansas City
MO
Addison
TX
Houston
TX
Kansas City
MO
Insurance Company TypeLegal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Ultimate Parent CompanyMidwest
Holdings, Inc
Kuvare
Holdings LP
New Era EnterprisesKuvare
Holdings LP
Midwest
Holdings, Inc
Kuvare
Holdings LP
Americo Life,
Inc.
Nat'l Life
Holding Co.
New Era EnterprisesAmerico Life,
Inc.

Rate History on New Prem

          
11/212.25%1.90%2.45%1.95%2.95%2.60%  3.00% 
12/212.25%1.90%2.45%1.95%2.95%2.60%  3.10% 
01/222.25%1.90%2.45%1.95%2.95%2.60%  3.10% 
02/222.25%2.20%2.45%1.95%2.95%2.90%  3.10% 
03/222.25%2.50%2.45%2.55%2.95%2.90%  3.10% 
04/222.80%2.65%2.65%2.55%3.30%3.15%  3.20% 
05/223.15%3.15%2.85%3.20%3.50%3.55%  3.40% 
06/223.85%3.50%3.10%3.55%4.05%3.85%NewAnnuity 3.65%NewAnnuity
07/223.85%3.50%3.45%3.55%4.05%3.85%4.20% 4.00%4.50%
08/224.10%3.85%3.65%3.55%4.30%3.95%4.25% 4.20%4.50%
09/224.10%3.85%3.75%3.55%4.30%3.95%4.25% 4.30%4.50%
10/224.10%3.85%4.00%3.55%4.30%3.95%4.40%NewHistory4.40%4.60%
11/224.80%4.50%4.75%4.90%5.00%4.90%5.00%5.255.05%5.10%