| Insurance Company | Equitable Life and Casualty | Liberty Bankers & Capitol Life | New Era Life New Era MW Phil Amer | 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 Annuity | SecureSavings | Bankers5Prem | SecChoice3 | Guaranty 4 | Safe Haven 5 | SecChoice5 | SecureSavings | SPDA-5 | Guaranty 6 | SPDA-7 |
| Average Annual Yield | 2.65% | 2.75% | 2.55% | 2.75% | 3.55% | 3.50% | 3.45% | 3.60% | 3.40% | 3.85% |
| Initial Period Yield | 2.65% | 2.75% | 2.55% | 2.75% | 4.35% | 3.50% | 3.45% | 3.60% | 3.40% | 3.85% |
| Minimum Amount | $20,000 | $10,000 | $10,000 | $5,000 ($2,000 Q) | $5,000 | $10,000 | $20,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 |
| New Rate-Effective Date | 4/01/18 | 4/09/18 | 3/01/18 | 3/01/18 | 3/01/18 | 4/01/18 | 4/01/18 | 3/19/18 | 3/01/18 | 3/19/18 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 2.60% on Internal Exchanges | Optional Liquidity Riders Available with Lower Rate | 3.55% on Internal Exchanges | |||||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | 1% Bonus Init Prem | |||||||||
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 Years | 7 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 | 3.35% Years 2-5 | |||||||||
| Minimum Rate Guarantee | 1.00% | 1.00% | 2.00% | 1.00% | 1.00% | 2.00% | 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 | 5% Yr 1+ 100% end Yr2 | NONE | 100% Interest | 100% Interest | Option Rider | 100% Interest | 5% Yr 1+ 100% end Yr5 | 10% of | 100% Interest | 10% of |
| Free Withdrawal Per Year | 1 | 0 | 12 | 2 | Option | 12 | 1 | 1 | 2 | 1 |
| Monthly Income Checks | No | N/A | Yes ($125 min) | Yes ($100 min) | Option ($100 min) | Yes ($125 min) | No | Yes ($100 min) | Yes ($100 min) | Yes ($100 min) |
| Surrender Charges for Year | 0-90 | 0-90 | 0-100 | 0-100 | 0-59| 60-90 | 0-90 | 0-90 | 0-85 | 0-90 | 0-85 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% Window MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% | MVA+7.9% MVA+7.0% MVA+6.2% | 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+5% MVA+5% MVA+5% MVA+5% MVA+5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% Window MVA+4% MVA+3% | 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 DateOf | Contract | Contract | Contract | Contract | Cont/Renew | Contract | Contract | Contract | Contract | Contract |
| Action Req'd End of Period | RC 2 Yr | NONE | NONE | NONE | RRR | NONE | RC5 Yr | NONE | NONE | NONE |
| PenaltyWaived-PayOutOver | NO | NO | 5 Years | 5 Years | NO | NO | NO | 5 Years | 5 Years | 5 Years |
| PenaltyWaived @ Death | Owner | NO | Owner | Owner | Option | Owner | Owner | Annuitant | Owner | Annuitant |
| 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 | 90 | 100 | 100 | 90 | 90 | 90 | 85 | 90 | 85 |
| - Annuitant | 90 | 90 | 100 | 100 | 90 | 90 | 90 | 85 | 90 | 85 |
| Days Rate Held on Rollovers | HO Rec+45days | HO Rec+45days | HO Rec+60 | Chg+45days | Chg+45days | HO Rec+60 | HO Rec+45days | Chg+45days | Chg+45days | Chg+45days |
| Free Look Period | 30 Days | 30 Days | 20 Days | 30 Days | 21 Days | 20 Days | 30 Days | 30 Days | 30 Days | 30 Days |
| Rating -A.M.Best | B | B++ | B++ | B++ | B++ | B++ | B | B | B++ | B |
| Company Assets(in Millions) | $327 | $1,598 | $513 | $511 | $375 | $513 | $327 | $440 | $511 | $440 |
| Year Company Founded | 1935 | 1957 | 1924 | 1926 | 1925 | 1924 | 1935 | 1973 | 1926 | 1973 |
| Home Office | Salt Lake City UT | OK CIty OK | Houston TX | Baton Rouge LA | Charleston SC | Houston TX | Salt Lake City UT | St. Petersburg FL | Baton Rouge LA | St. Petersburg FL |
| 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 | SILAC, LLC | Liberty Life Group Trust | New Era Enterprises | Kuvare US Holdings, Inc. | Advantage Capital | New Era Enterprises | SILAC, LLC | Bankers Int'l Fin. Corp. Ltd | Kuvare US Holdings, Inc. | Bankers Int'l Fin. Corp. Ltd |
| 03/17 | 2.00% | 2.40% | 2.60% | 4.00% | 3.15% | 2.60% | 2.70% | 2.90% | ||
| 04/17 | 2.00% | 2.40% | 2.60% | 4.00% | 3.15% | 2.60% | 2.70% | 2.90% | ||
| 05/17 | 2.00% | 2.40% | 2.60% | 4.10% | 3.15% | 3.25% | 3.25% | 3.40% | ||
| 06/17 | 2.00% | 2.40% | 2.60% | 4.10% | 3.25% | 3.25% | 3.25% | 3.40% | ||
| 07/17 | 2.00% | 2.40% | 2.60% | 4.00% | 3.25% | 2.60% | 3.25% | 2.90% | ||
| 08/17 | 2.15% | 2.40% | 2.60% | 4.00% | 3.25% | 2.60% | 3.25% | 2.90% | ||
| 09/17 | 2.15% | 2.40% | 2.60% | 4.00% | 3.25% | 2.60% | 3.25% | 2.90% | ||
| 10/17 | 2.15% | 2.40% | 2.60% | 4.00% | 3.25% | 3.00% | 3.25% | 3.10% | ||
| 11/17 | 2.15% | 2.40% | 2.60% | 4.10% | 3.25% | 3.00% | 3.25% | 3.10% | ||
| 12/17 | 2.15% | 2.40% | 2.60% | 4.10% | 3.25% | 3.00% | 3.25% | 3.10% | ||
| 01/18 | 2.50% | 2.15% | 2.40% | 2.60% | 4.20% | 3.25% | 3.30% | 3.00% | 3.25% | 3.10% |
| 02/18 | 2.50% | 2.15% | 2.40% | 2.60% | 4.20% | 3.35% | 3.30% | 3.25% | 3.25% | 3.50% |
| 03/18 | 2.50% | 2.50% | 2.55% | 2.75% | 4.35% | 3.35% | 3.30% | 3.35% | 3.40% | 3.60% |