Rates as of: 06/14/2024(To print the Top 10, please use the PDF version)

Insurance Company American
Life &
Security
New Era Life
New Era MW

Phil Amer
Revol
One
Financial
American
Life &
Security
Farmers
Life
Insurance
Revol
One
Financial
New Era Life
New Era MW

Phil Amer
Americo
Financial
Life
Revol
One
Financial
Heartland
National
Life
Name of AnnuityAmericanClassic3Top Choice 3ExceleraMGA3AmericanClassic5Safeguard+5ExceleraMGA5Top Choice 5PlatinumAssure6ExceleraMGA7SecureRate10
Average Annual Yield 5.65%5.40%5.75%5.70%5.80%5.85%5.70%5.65%6.00%5.80%
Initial Period Yield 5.65%5.40% 5.75%5.70%5.80%5.85%5.70% 5.65%6.00%5.80%
Minimum Amount$1,000$10,000$50,000 NQ
$25,000 Q
$1,000$10,000$50,000 NQ
$25,000 Q
$10,000$25,000$50,000 NQ
$25,000 Q
$5,000
New Rate-Effective Date1/17/20246/01/20245/08/20241/17/202410/16/20235/08/20246/01/20244/29/20245/08/20241/01/2024
New Rate-
Effective Date
  5.55% on
6/25/2024
  5.65% on
6/25/2024
  5.85% on
6/25/2024
 
Rate on Other Amounts5.81%
 Effective Rate
w/ 0.45%
Loyalty Bonus
No W/D exc RMD
5.50% on Internal Exchanges

 
 5.83%
 Effective Rate
w/ 0.60%
Loyalty Bonus
No W/D exc RMD
  5.85% on Internal Exchanges

 
   
EAY Incl Non-Forfeitable
Bonus on Prem. Received
          
Rate Guarantee Period3 Years3 Years3 Years5 Years5 Years5 Years5 Years6 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
          
Minimum Rate Guarantee1.00%1.00%1.00%1.00%1.00%1.00%1.00%2.65%1.00%3.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt10% of Prev
Yr Ann Value
100%
Interest
1st term:RMD
Renew:10% AV
10% of Prev
Yr Ann Value
100% Interest
Annual Reset
1st term:RMD
Renew:10% AV
100%
Interest
5% of
Acct Value
1st term:RMD
Renew:10% AV
Curr Yr Interest
Annual Reset
Free Withdrawal Per Year1 (Yr2+)121 (2nd term+)1 (Yr2+)121 (2nd term+)1211 (2nd term+)1
Monthly Income ChecksYes (Yr 2+)
 
Yes
($125 min)
N/AYes (Yr 2+)
 
Yes
($100 min)
N/AYes
($125 min)
Yes N/AYes
($100 min)
Surrender Charges for Year0-900-1000-90 (Q85)0-900-950-90 (Q85)0-900-850-90 (Q85)18-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
MVA+7%
MVA+5%
MVA+5%
MVA+5%
 
MVA+9%
MVA+8%
MVA+7%
  
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+9%
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+4%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
MVA+3%
 
MVA+9%
MVA+8%
MVA+7%
MVA+6%
MVA+5%
MVA+4%
MVA+3%
MVA+2.5%
MVA+1.5%
MVA+0.9%
Penalty Applied from DateOfCont/RenewContractCont/RenewCont/RenewCont/RenewCont/RenewContractContractCont/RenewCont/Renew
Action Req'd End of PeriodRRRNONERRRRRRRRRRRRNONENONERRRRRR
PenaltyWaived-PayOutOver5 Years w/MVA5 YearsAfter 3rd Year
Life or 7Yrs
5 Years w/MVANOAfter 3rd Year
Life or 7Yrs
5 YearsNOAfter 3rd Year
Life or 7Yrs
NO
PenaltyWaived @ DeathOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwner
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner90100NQ 90 (85Q)9095NQ 90 (85Q)9085NQ 90 (85Q)90
- Annuitant90100NQ 90 (85Q)9095NQ 90 (85Q)9085NQ 90 (85Q)90
Days Rate Held on RolloversChg+30daysHO Rec+60HO Rec+45Chg+30daysAppDate+60HO Rec+45HO Rec+60HO Rec+45HO Rec+45HO Rec+45
Free Look Period30 Days20 Days30 Days30 Days30 Days30 Days20 Days20 Days30 Days30 Days
Rating -A.M.BestB++A-B++B++B++B++A-AB++B++
Company Assets(in Millions)$1,870$645$919$1,870$138$919$645$6,465$919$16
Year Company Founded1960192419801960199719801924194619801965
Home OfficeLincoln
NE
Houston
TX
Urbandale
IA
Lincoln
NE
Knoxville
TN
Urbandale
IA
Houston
TX
Kansas City
MO
Urbandale
IA
Independence
MO
Insurance Company TypeLegal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Legal
Reserve
Ultimate Parent CompanyMidwest
Holdings, Inc
New Era EnterprisesAxar CapitalMidwest
Holdings, Inc
Arrowhead Capital  GroupAxar CapitalNew Era EnterprisesFinancial
Holding
Axar CapitalHeartland
National

Rate History on New Prem

          
06/235.25%5.20% 5.30%5.50% 5.30%5.25%  
07/235.25%5.20% 5.30%5.50% 5.30%5.25%  
08/235.25%5.20% 5.30%5.50% 5.30%5.30%  
09/235.25%5.30% 5.30%5.65% 5.50%5.50%  
10/235.40%5.40% 5.40%5.65% 5.60%5.55%  
11/235.50%5.50% 5.55%5.80% 5.70%5.55%  
12/235.50%5.50% 5.55%5.80% 5.80%5.95%  
01/245.50%5.50% 5.55%5.80% 5.80%5.95%  
02/245.65%5.50% 5.70%5.80% 5.80%5.45%  
03/245.65%5.50% 5.70%5.80% 5.80%5.55% NewHistory
04/245.65%5.50% 5.70%5.80% 5.80%5.55% 5.80%
05/245.65%5.50%NewHistory5.70%5.80%NewHistory5.80%5.55%NewHistory5.80%
06/245.65%5.40%5.75%5.70%5.80%5.85%5.70%5.55%6.00%5.80%