Top 10 Page

Rates as of: 7/17/2017(To print the Top 10, please use the PDF version)
Insurance Company	New Era Life New Era MW Phil Amer	Guaranty Income	Atlantic Coast Life	Liberty Bankers & Capitol Life	New Era Life New Era MW Phil Amer	Sentinel Security	Western United Life	Guaranty Income	Liberty Bankers & Capitol Life	Atlantic Coast Life
Name of Annuity	SecChoice3	Guaranty 4	Safe Haven 5	Bankers5Prem	SecChoice5	PersonalChoice5	Discovery 5	Guaranty 6	Bankers7Prem	Safe Haven 10
Average Annual Yield	2.40%	2.60%	3.20%	2.85%	3.25%	3.15%	2.80%	3.25%	3.00%	3.50%
Initial Period Yield	2.40%	2.60%	4.00%	2.85%	3.25%	3.15%	2.80%	3.25%	3.00%	4.40%
Minimum Amount	$10,000	$5,000 ($2,000 Q)	$5,000	$10,000	$10,000	$2,500	$10,000	$5,000 ($2,000 Q)	$10,000	$5,000
New Rate-Effective Date	12/01/16	1/01/17	7/01/17	7/12/17	6/01/17	7/01/17	1/20/17	4/08/17	8/01/16	7/01/17
New Rate- Effective Date
Rate on Other Amounts	2.45% on Internal Exchanges		Optional Liquidity Riders Available with Lower Rate		3.30% on Internal Exchanges	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
Rate Guarantee Period	3 Years	4 Years	5 Years	5 Years	5 Years	5 Years	5 Years	6 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			3.00% Years 2-5							3.40% Years 2-10
Minimum Rate Guarantee	2.00%	1.00%	1.00%	1.00%	2.00%	1.00%	1.00%	1.00%	1.00%	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	100% Interest	100% Interest	Option Rider	100% Interest	100% Interest	Option Rider	15% of Ann Value	100% Interest	100% Interest	Option Rider
Free Withdrawal Per Year	12	2	Option	2	12	Option	12	2	2	Option
Monthly Income Checks	Yes ($125 min)	Yes ($100 min)	Option ($100 min)	Yes ($100 min)	Yes ($125 min)	Option	Yes(EFT Only) ($250 min)	Yes ($100 min)	Yes ($100 min)	Option ($100 min)
Surrender Charges for Year	0-100	0-100	0-59\| 60-90	0-90	0-90	0-59\| 60-90	0-84	0-79	0-55\| 56-85	0-59\| 60-90
1 2 3 4 5 6 7 8 9 10	MVA+5% MVA+5% MVA+5%	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+8% MVA+7% MVA+6% MVA+5% MVA+4%	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%	8% 7% 6% 5% 4%	MVA+8% MVA+7% MVA+7% MVA+6% MVA+5% MVA+4%	MVA+12.4\|MVA+8.1% MVA+11.5\|MVA+7.1% MVA+10.5\|MVA+6.1% MVA+8.5\|MVA+5.1% MVA+6.5\|MVA+4.5% MVA+5.5\|MVA+3.5% MVA+4.5\|MVA+2.5%	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+1% MVA+5\|MVA+0% MVA+5\|MVA+0%
Penalty Applied from DateOf	Contract	Contract	Cont/Renew	Contract	Contract	Cont/Renew	Contract	Contract	Contract	Cont/Renew
Action Req'd End of Period	NONE	NONE	RRR	NONE	NONE	RRR	NONE	NONE	NONE	RRR
PenaltyWaived-PayOutOver	5 Years	5 Years	NO	5 Years	NO	NO	Pay Out Opt	5 Years	NO	NO
PenaltyWaived @ Death	Owner	Owner	Option	Annuitant	Owner	Option	Annuitant	Owner	Annuitant	Option
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	100	100	90	90	90	90	84	79	85	90
- Annuitant	100	100	90	90	90	90	84	79	85	90
Days Rate Held on Rollovers	HO Rec+60	Chg+45days	Chg+45days	HO Rec+45days	HO Rec+60	Chg+45days	IR Chg+60days	Chg+45days	HO Rec+45days	Chg+45days
Free Look Period	20 Days	30 Days	21 Days	30 Days	20 Days	21 Days	30 Days	30 Days	30 Days	21 Days
Rating -A.M.Best	B++	B+	B+	B+	B++	B++*	B+	B+	B+	B+
Company Assets(in Millions)	$504	$504	$349	$1,548	$504	$617	$1,158	$504	$1,548	$349
Year Company Founded	1924	1926	1925	1957	1924	1948	1963	1926	1957	1945
Home Office	Houston TX	Baton Rouge LA	Charleston SC	OK CIty OK	Houston TX	Salt Lake City UT	Spokane WA	Baton Rouge LA	OK City OK	Charleston SC
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	New Era Enterprises	Kuvare US Holdings, Inc.	Advantage Capital	Liberty Life Group Trust	New Era Enterprises	Sentinel Security Life	Harris Ins Holdgs	Kuvare US Holdings, Inc.	Liberty Life Group Trust	Advantage Capital
Rate History on New Prem
8/16	2.30%	2.40%	4.00%	2.75%	3.05%	3.10%	2.65%	2.50%	3.05%	4.40%
9/16	2.30%	2.40%	3.85%	2.75%	3.05%	3.00%	2.65%	2.50%	3.00%	4.20%
10/16	2.30%	2.40%	3.80%	2.75%	3.05%	2.90%	2.75%	2.50%	3.00%	4.15%
11/16	2.30%	2.40%	3.90%	2.75%	3.05%	3.00%	2.75%	2.50%	3.00%	4.25%
12/16	2.40%	2.40%	3.90%	2.75%	3.15%	3.00%	2.75%	2.50%	3.00%	4.25%
01/17	2.40%	2.60%	3.90%	2.75%	3.15%	3.00%	2.75%	2.70%	3.00%	4.25%
02/17	2.40%	2.60%	4.00%	2.75%	3.15%	3.15%	2.80%	2.70%	3.00%	4.40%
03/17	2.40%	2.60%	4.00%	2.75%	3.15%	3.15%	2.80%	2.70%	3.00%	4.40%
04/17	2.40%	2.60%	4.00%	2.75%	3.15%	3.15%	2.80%	2.70%	3.00%	4.40%
05/17	2.40%	2.60%	4.10%	2.75%	3.15%	3.15%	2.80%	3.25%	3.00%	4.50%
06/17	2.40%	2.60%	4.10%	2.75%	3.25%	3.25%	2.80%	3.25%	3.00%	4.50%
07/17	2.40%	2.60%	4.00%	2.75%	3.25%	3.15%	2.80%	3.25%	3.00%	4.40%