| Insurance Company | American Life & Security | Farmers Life Insurance | National Security Insurance | New Era Life New Era MW Phil Amer | Atlantic Coast Life | Farmers Life Insurance | National Security Insurance | New Era Life New Era MW Phil Amer | Americo Financial Life | Farmers Life Insurance |
| Name of Annuity | AmericanClassic3 | Safeguard+3 | MYGA3 | Top Choice 3 | Safe Haven 5 | Safeguard+5 | MYGA5 | Top Choice 5 | PlatinumAssure7 | Safeguard+10 |
| Average Annual Yield | 5.40% | 5.50% | 5.75% | 5.30%é | 5.60% | 5.65% | 5.70% | 5.50%é | 5.60% | 5.35% |
| Initial Period Yield | 5.40% | 5.50% | 5.75% | 5.30% | 6.40% | 5.65% | 5.70% | 5.50% | 5.60% | 5.35% |
| Minimum Amount | $1,000 | $10,000 | $25,000(NQ) | $10,000 | $10,000 | $10,000 | $25,000(NQ) | $10,000 | $25,000 | $10,000 |
| New Rate-Effective Date | 9/20/2023 | 8/07/2023 | 9/18/2023 | 9/01/2023 | 7/17/2023 | 8/07/2023 | 9/18/2023 | 9/01/2023 | 9/27/2023 | 8/07/2023 |
| New Rate- Effective Date | 5.40% on 10/01/23 | 5.60% on 10/01/23 | ||||||||
| Rate on Other Amounts | 5.56% Effective Rate w/ 0.45% Loyalty Bonus No W/D exc RMD | 5.35% on Internal Exchanges | 5.40%Yrs 2-5 Optional Liquidity Riders available with Lower Rate | 5.60% on Internal Exchanges | ||||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | 1.00% | |||||||||
| Rate Guarantee Period | 3 Years | 3 Years | 3 Years | 3 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 | ||||||||||
| Minimum Rate Guarantee | 1.00% | 1.00% | 2.80% | 1.00% | 2.75% | 1.00% | 2.80% | 1.00% | 2.35% | 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 | 10% of Prev Yr Ann Value | 100% Interest Annual Reset | 10% of Acct Value | 100% Interest | Option Rider | 100% Interest Annual Reset | 10% of Acct Value | 100% Interest | 5% of Acct Value | 100% Interest Annual Reset |
| Free Withdrawal Per Year | 1 (Yr2+) | 12 | 1 (Yr2+) | 12 | Option | 12 | 1 (Yr2+) | 12 | 1 | 12 |
| Monthly Income Checks | Yes (Yr 2+) | Yes ($100 min) | N/A | Yes ($125 min) | Option ($100 min) | Yes ($100 min) | N/A | Yes ($125 min) | Yes | Yes ($100 min) |
| Surrender Charges for Year | 0-90 | 0-95 | 0-85 | 0-100 | 0 - 59 | 60-90 | 0-95 | 0-85 | 0-90 | 0-85 | 0-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% MVA+7% | MVA+9% MVA+8% MVA+7% | 9% 8% 7% | MVA+5% MVA+5% MVA+5% | MVA+9% | +8% MVA+8% | +7% MVA+7% | +6% MVA+6% | +5% MVA+5% | +4% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | 9% 8% 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% | MVA+9.0% MVA+8.0% MVA+7.0% MVA+6.0% MVA+5.0% MVA+4.0% MVA+3.0% MVA+2.5% MVA+1.5% MVA+0.9% |
| Penalty Applied from DateOf | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Contract | Cont/Renew |
| Action Req'd End of Period | RRR | RRR | RRR | NONE | RRR | RRR | RRR | NONE | NONE | RRR |
| PenaltyWaived-PayOutOver | 5 Years w/MVA | NO | NO | 5 Years | NO | NO | NO | 5 Years | NO | NO |
| PenaltyWaived @ Death | Owner | Owner | Owner | Owner | Option | Owner | Owner | Owner | Owner | Owner |
| 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 | 90 | 95 | 85 | 100 | 90 | 95 | 85 | 90 | 85 | 90 |
| - Annuitant | 90 | 95 | 85 | 100 | 90 | 95 | 85 | 90 | 85 | 90 |
| Days Rate Held on Rollovers | Chg+30days | AppDate+60 | AppDate+60 | HO Rec+60 | Chg+45days | AppDate+60 | AppDate+60 | HO Rec+60 | HO Rec+45 | AppDate+60 |
| Free Look Period | 30 Days | 30 Days | 20 Days | 20 Days | 21 Days | 30 Days | 20 Days | 20 Days | 20 Days | 30 Days |
| Rating -A.M.Best | B++ | B++ | B++ | A- | B++ | B++ | B++ | A- | A | B++ |
| Company Assets(in Millions) | $1,212 | $25 | $25 | $651 | $1,031 | $25 | $25 | $651 | $6,172 | $25 |
| Year Company Founded | 1960 | 1997 | 1947 | 1924 | 1925 | 1997 | 1947 | 1924 | 1946 | 1997 |
| Home Office | Lincoln NE | Knoxville TN | Elba AL | Houston TX | Salt Lake City UT | Knoxville TN | Elba AL | Houston TX | Kansas City MO | Knoxville TN |
| 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 | Midwest Holdings, Inc | American Capital Group | Nat'l Security Group | New Era Enterprises | Advantage Capital Partners | American Capital Group | Nat'l Security Group | New Era Enterprises | Americo Life, Inc. | American Capital Group |
| 07/22 | 3.85% | 4.85% | 4.50% | |||||||
| 08/22 | 4.10% | 5.30% | 4.50% | |||||||
| 09/22 | 4.10% | 5.30% | 4.50% | |||||||
| 10/22 | 4.10% | 5.45% | 4.60% | |||||||
| 11/22 | 4.80% | NewAnnuity | 5.45% | NewAnnuity | 5.10% | |||||
| 12/22 | 5.20% | 5.10% | 5.95% | 5.40% | 5.50% | |||||
| 01/23 | 5.00% | NewAnnuity | 5.00% | 5.95% | NewAnnuity | 5.30% | 5.50% | |||
| 02/23 | 5.00% | 5.50% | 5.00% | 6.45% | 5.75% | 5.30% | 5.25% | |||
| 03/23 | 5.35% | 5.50% | 5.00% | 6.45% | 5.75% | 5.30% | 5.30% | |||
| 04/23 | 5.35% | 5.60% | 5.20% | 6.25% | 5.85% | 5.40% | 5.30% | |||
| 05/23 | 5.25% | NewAnnuity | 5.60% | 5.20% | 6.25% | NewAnnuity | 5.65% | 5.40% | 5.25% | NewAnnuity |
| 06/23 | 5.25% | 5.25% | 5.60% | 5.20% | 6.25% | 5.50% | 5.65% | 5.30% | 5.25% | 5.15% |
| 07/23 | 5.25% | 5.25% | 5.60% | 5.20% | 6.25% | 5.50% | 5.65% | 5.30% | 5.25% | 5.15% |