Rates as of: 9/15/2020(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
Equitable
Life and
Casualty
New Era Life
New Era MW

Phil Amer
Sentinel
Security

Life
Upstream
Life
Western
United
Life
Atlantic
Coast
Life
Upstream
Life
Name of AnnuitySecuSavElite2SecChoice3Guaranty 4SecuSavElite5SecChoice5PersonalChoice5SecureLegacy5NavigatorUltra5Safe Haven 7SecureLegacy10
Average Annual Yield 2.30%2.55%2.60%3.10%3.20%3.35%3.45%3.30%3.44%3.60%
Initial Period Yield 2.30%2.55% 2.60% 3.10%3.20% 3.35%3.45%3.30%4.30%3.60%
Minimum Amount$10,000$10,000$5,000
($2,000 Q)
$10,000$10,000$2,500$10,000

$10,000

$5,000$10,000
New Rate-Effective Date4/01/20207/01/20209/01/20204/01/20207/01/20206/11/20207/20/20209/01/20206/11/20207/20/2020
New Rate-
Effective Date
  2.10% on
09/21/2020
   2.80% on
10/01/2020
  2.90% on
10/01/2020
Rate on Other AmountsOptional
Liquidity Riders
Available with
Lower Rate
2.60% on Internal Exchanges Optional
Liquidity Riders
Available with
Lower Rate
3.30% on Internal ExchangesOptional
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
 
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
       3.30%
Years 2-7
 
Minimum Rate Guarantee1.00%2.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l AmtOption
Rider
100%
Interest
100%
Interest
Option
Rider
100%
Interest
Option
Rider
100%
Interest
NoneOption
Rider
100%
Interest
Free Withdrawal Per YearOption122Option12Option12NoneOption12
Monthly Income ChecksOption
($100 min)
Yes
($125 min)
Yes
($100 min)
Option
($100 min)
Yes
($125 min)
Option
($100 min)
Yes
($100 min)
NoOption
($100 min)
Yes
($100 min)
Surrender Charges for Year18-850-1000-10018-850-900-59| 60-900-900-750-59| 60-900-90
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+9%
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+10%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
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+5|MVA+3%
MVA+5|MVA+2%
 
MVA+10%
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
Penalty Applied from DateOfCont/RenewContractContractCont/RenewContractCont/RenewCont/RenewContractCont/RenewCont/Renew
Action Req'd End of PeriodRRRNONENONERRRNONERRRRRRNONERRRRRR
PenaltyWaived-PayOutOverNONO5 YearsNONONO5 YearsNONO5 Years
PenaltyWaived @ DeathNOOwnerOwnerNOOwnerOptionOptionNOOptionOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner8510010085909090759090
- Annuitant8510010085909090759090
Days Rate Held on RolloversAppDate+60HO Rec+60Chg+45daysAppDate+60HO Rec+60Chg+45daysAppDate+45Chg+60daysChg+45daysAppDate+45
Free Look Period30 Days20 Days30 Days30 Days20 Days21 Days30 Days15 Days21 Days30 Days
Rating -A.M.BestB+B++B++uB+B++B++B++B+B++B++
Company Assets(in Millions)$2,183$555$1,937$2,183$555$691$87$1,218$514$87
Year Company Founded1935192419261935192419481912196319251912
Home OfficeSalt Lake City
UT
Houston
TX
Baton Rouge LASalt Lake City
UT
Houston
TX
Salt Lake City
UT
Oxford
MS
Spokane
WA
Charleston
SC
Oxford
MS
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.SILAC, LLCNew Era EnterprisesAdvantage
Capital
Partners
Upstream
Holdings, Inc.
Manhattan
Life Group
Advantage
Capital
Upstream
Holdings, Inc.

Rate History on New Prem

          
09/193.10%3.00%2.65%4.00%3.75%4.00%  5.05%
 
10/193.10%3.00%2.65%4.00%3.75%3.85%  4.90%
 
11/193.10%3.00%2.55%4.00%3.65%3.70%  4.75%
 
12/193.10%3.00%2.55%4.00%3.65%3.70%  4.75%
 
01/202.90%3.00%2.75%3.80%3.65%3.70%  4.75%
 
02/202.90%3.00%2.75%3.80%3.65%3.70%  4.75%
 
03/202.85%2.80%3.00%3.65%3.45%3.60%  4.65%
 
04/202.30%2.45%2.40%3.10%3.10%3.10%New History 4.05%
New History
05/202.30%2.45%3.00%3.10%3.10%3.10%3.25% 4.05%
3.40%
06/202.30%2.45%3.00%3.10%3.10%3.10%3.80% 4.05%
3.40%
07/202.30%2.55%3.00%3.10%3.20%3.35%3.80% 4.30%
3.40%
08/202.30%2.55%2.85%3.10%3.20%3.35%3.45%New Annuity4.30%
3.60%
09/202.30%2.55%2.60%3.10%3.20%3.35%3.45%3.30%4.30%
3.60%