Rates as of: 07/08/2020(To print the Top 10, please use the PDF version)

Insurance Company Equitable
Life and
Casualty
Oceanview
Life &
Annuity
Guaranty
Income
Equitable
Life and
Casualty
New Era Life
New Era MW

Phil Amer
Oceanview
Life &
Annuity
Sentinel
Security

Life
Upstream
Life
Western
United
Life
Atlantic
Coast
Life
Name of AnnuitySecuSavElite2Harbourview3Guaranty 4SecuSavElite5SecChoice5Harbourview5PersonalChoice5SecureLegacy5MaxChoice 5Safe Haven 7
Average Annual Yield 2.30%3.00%3.00%3.10%3.20%3.20%3.35%3.80%3.20%3.44%
Initial Period Yield 2.30%3.00%3.00% 3.10%3.20% 3.20%3.35%3.80%3.20%4.30%
Minimum Amount$10,000$10,000$5,000
($2,000 Q)
$10,000$10,000$10,000$2,500$10,0003.30%
@$250K+

$10,000

$5,000
New Rate-Effective Date4/01/20206/01/20205/01/20204/01/20207/01/20206/01/20206/11/20205/18/20206/17/20206/11/2020
New Rate-
Effective Date
       3.45% on
7/20/2020
  
Rate on Other AmountsOptional
Liquidity Riders
Available with
Lower Rate
  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
Rate Guarantee Period2 Years3 Years4 Years5 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
        3.30%
Years 2-7
Minimum Rate Guarantee1.65%1.00%1.00%1.65%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
10% Acct
Value Yr2+
100%
Interest
Option
Rider
100%
Interest
10% Acct
Value Yr2+
Option
Rider
100%
Interest
Prev Year
Interest Only
Option
Rider
Free Withdrawal Per YearOption12Option121Option121Option
Monthly Income ChecksOption
($100 min)
NoYes
($100 min)
Option
($100 min)
Yes
($125 min)
NoOption
($100 min)
Yes
($100 min)
NoOption
($100 min)
Surrender Charges for Year18-850-890-10018-850-900-890-59| 60-900-900-850-59| 60-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+9%
MVA+8%
MVA+7%
 
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+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+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%
 
Penalty Applied from DateOfCont/RenewCont/RenewContractCont/RenewContractCont/RenewCont/RenewCont/RenewContractCont/Renew
Action Req'd End of PeriodRRRRRRNONERRRNONERRRRRRRRRNONERRR
PenaltyWaived-PayOutOverNOLife5 YearsNONOLifeNO5 YearsNONO
PenaltyWaived @ DeathNOOwnerOwnerNOOwnerOwnerOptionOptionNOOption
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner858910085908990908590
- Annuitant858910085908990908590
Days Rate Held on RolloversAppDate+60HO Rec+60Chg+45daysAppDate+60HO Rec+60HO Rec+60Chg+45daysAppDate+45Chg+60daysChg+45days
Free Look Period30 Days20 Days30 Days30 Days20 Days20 Days21 Days30 Days15 Days21 Days
Rating -A.M.BestB+B++B++uB+B++B++B++B++B+B++
Company Assets(in Millions)$2,183$646$1,937$2,183$555$646$691$87$1,218$514
Year Company Founded1935196519261935192419651948191219631925
Home OfficeSalt Lake City
UT
Denver
CO
Baton Rouge LASalt Lake City
UT
Houston
TX
Denver
CO
Salt Lake City
UT
Oxford
MS
Spokane
WA
Charleston
SC
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, LLCOceanview
Holdings,Ltd
Kuvare US Holdings, Inc.SILAC, LLCNew Era EnterprisesOceanview
Holdings,Ltd
Advantage
Capital
Partners
Upstream
Holdings, Inc.
Manhattan
Life Group
Advantage
Capital

Rate History on New Prem

          
07/193.10% 3.15%4.00%3.85% 4.00% 3.35%5.05%
08/193.10% 3.15%4.00%3.85% 4.00% 3.35%5.05%
09/193.10% 2.65%4.00%3.75% 4.00% 3.25%5.05%
10/193.10% 2.65%4.00%3.75% 3.85% 3.15%4.90%
11/193.10%New History2.55%4.00%3.65%New History3.70% 3.15%4.75%
12/193.10%2.75%2.55%4.00%3.65%3.00%3.70% 3.15%4.75%
01/202.90%2.75%2.75%3.80%3.65%3.00%3.70% 3.15%4.75%
02/202.90%2.75%2.75%3.80%3.65%3.00%3.70% 3.35%4.75%
03/202.85%2.75%3.00%3.65%3.45%3.00%3.60% 3.30%4.65%
04/202.30%2.35%2.40%3.10%3.10%2.70%3.10%New History3.00%4.05%
05/202.30%2.75%3.00%3.10%3.10%3.00%3.10%3.25%3.00%4.05%
06/202.30%3.00%3.00%3.10%3.10%3.20%3.10%3.80%3.10%4.05%
07/202.30%3.00%3.00%3.10%3.20%3.20%3.35%3.80%3.20%4.30%