Rates as of: 6/18/2018(To print the Top 10, please use the PDF version)

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 AnnuitySecureSavingsBankersElite3SecChoice3Guaranty 4Safe Haven 5SecChoice5SecureSavingsSPDA-5Guaranty 6SPDA-7
Average Annual Yield 2.65%2.75%2.70%2.75%3.70%3.60%3.65%3.65%3.40%3.90%
Initial Period Yield 2.65%2.75%2.70% 2.75% 4.50%3.60% 3.65%3.65%3.40% 3.90%
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 Date4/01/184/09/185/01/183/01/184/23/186/01/185/01/186/18/183/01/186/18/18
New Rate-
Effective Date
          
Rate on Other Amounts  2.75% on Internal Exchanges Optional
Liquidity Riders
Available with
Lower Rate
3.65% on Internal Exchanges    
EAY Incl Non-Forfeitable
Bonus on Prem. Received
  1% Bonus
Init Prem
  
Rate Guarantee Period2 Years3 Years3 Years4 Years5 Years5 Years5 Years5 Years6 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
   3.50%
Years 2-5
    
Minimum Rate Guarantee1.00%1.00%2.00%1.00%1.00%2.00%1.00%1.00%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt5% Yr 1+
100% end Yr2

NONE

100%
Interest
100%
Interest
Option
Rider
100%
Interest
5% Yr 1+
100% end Yr5

10% of
Ann Value

100%
Interest

10% of
Ann Value

Free Withdrawal Per Year10122Option121121
Monthly Income ChecksNoN/AYes
($125 min)
Yes
($100 min)
Option
($100 min)
Yes
($125 min)
NoYes
($100 min)
Yes
($100 min)
Yes
($100 min)
Surrender Charges for Year0-900-900-1000-1000-59| 60-900-900-900-850-900-85
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 DateOfContractContractContractContractCont/RenewContractContractContractContractContract
Action Req'd End of PeriodRC 2 YrNONENONENONERRRNONERC5 YrNONENONENONE
PenaltyWaived-PayOutOverNONO5 Years5 YearsNONONO5 Years5 Years5 Years
PenaltyWaived @ DeathOwnerNOOwnerOwnerOptionOwnerOwnerAnnuitantOwnerAnnuitant
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner9090100100909090859085
- Annuitant9090100100909090859085
Days Rate Held on RolloversHO Rec+45daysHO Rec+45daysHO Rec+60Chg+45daysChg+45daysHO Rec+60HO Rec+45daysChg+45daysChg+45daysChg+45days
Free Look Period30 Days30 Days20 Days30 Days21 Days20 Days30 Days30 Days30 Days30 Days
Rating -A.M.BestBB++B++ B++B++B++BBB++B
Company Assets(in Millions)$327$1,598$513$511$375$513$327$440$511$440
Year Company Founded1935195719241926192519241935197319261973
Home OfficeSalt Lake City
UT
OK CIty
OK
Houston
TX
Baton Rouge LACharleston
SC
Houston
TX
Salt Lake City
UT
St. Petersburg
FL
Baton Rouge LASt. Petersburg
FL
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, LLCLiberty Life
Group Trust
New Era EnterprisesKuvare US Holdings, Inc.Advantage
Capital
New Era EnterprisesSILAC, LLCBankers Int'l
Fin. Corp. Ltd
Kuvare US Holdings, Inc.Bankers Int'l
Fin. Corp. Ltd

Rate History on New Prem

          
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%
01/182.50%2.15%2.40%2.60%4.20%3.25%3.30%3.00%3.25%3.10%
02/182.50%2.15%2.40%2.60%4.20%3.35%3.30%3.25%3.25%3.50%
03/182.50%2.50%2.55%2.75%4.35%3.35%3.30%3.35%3.40%3.60%
04/182.50%2.50%2.55%2.75%4.35%3.50%3.30%3.60%3.40%3.85%
05/182.65%2.75%2.70%2.75%4.50%3.50%3.65%3.60%3.40%3.85%
06/182.65%2.75%2.70%2.75%4.50%3.60%3.65%3.60%3.40%3.85%