| Insurance Company | Equitable Life and Casualty | New Era Life New Era MW Phil Amer | Western United Life | Equitable Life and Casualty | New Era Life New Era MW Phil Amer | Sentinel Security Life | Americo Financial Life | Western United Life | Sentinel Security Life | Atlantic Coast Life |
| Name of Annuity | SecuSavElite2 | SecChoice3 | NavigatorUltra3 | SecuSavElite5 | SecChoice5 | PersonalChoice5 | PlatinumAssure5 | NavigatorUltra5 | PersonalChoice7 | Safe Haven 10 |
| Average Annual Yield | 2.15% | 2.55% | 2.45% | 2.95% | 3.20% | 3.00% | 3.05% | 3.10% | 3.10% | 3.20% |
| Initial Period Yield | 2.15% | 2.55% | 2.45% | 2.95% | 3.20% | 3.00% | 3.05% | 3.10% | 3.10% | 4.10% |
| Minimum Amount | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $2,500 | $10,000 | $10,000 | $2,500 | $5,000 |
| New Rate-Effective Date | 11/09/2020 | 7/01/2020 | 10/14/2020 | 11/09/2020 | 7/01/2020 | 11/02/2020 | 11/01/2020 | 10/14/2020 | 11/02/2020 | 11/02/2020 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | Optional Liquidity Riders Available with Lower Rate | 2.60% on Internal Exchanges | 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 | Optional Liquidity Riders Available with Lower Rate | |||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | 1% Bonus Init Prem | |||||||||
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 Years | 10 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 | 3.10% Years 2-10 | |||||||||
| Minimum Rate Guarantee | 1.00% | 2.00% | 1.00% | 1.00% | 2.00% | 1.00% | 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 | Option Rider | 100% Interest | None | Option Rider | 100% Interest | Option Rider | 10% per Contract Year | None | Option Rider | Option Rider |
| Free Withdrawal Per Year | Option | 12 | None | Option | 12 | Option | 1 | None | Option | Option |
| Monthly Income Checks | Option ($100 min) | Yes ($125 min) | No | Option ($100 min) | Yes ($125 min) | Option ($100 min) | Yes | No | Option ($100 min) | Option ($100 min) |
| Surrender Charges for Year | 18-85 | 0-100 | 0-75 | 18-85 | 0-90 | 0-59| 60-90 | 0-90 | 0-75 | 0-59| 60-90 | 0-59| 60-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% | MVA+5% MVA+5% MVA+5% | MVA+9% MVA+8% MVA+7% | 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+9% MVA+8% MVA+7% MVA+6% 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+5|MVA+3% MVA+5|MVA+2% | 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+5|MVA+1% MVA+5|MVA+0% MVA+5|MVA+0% |
| Penalty Applied from DateOf | Cont/Renew | Contract | Contract | Cont/Renew | Contract | Cont/Renew | Contract | Contract | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | NONE | NONE | RRR | NONE | RRR | NONE | NONE | RRR | RRR |
| PenaltyWaived-PayOutOver | NO | NO | NO | NO | NO | NO | NO | NO | NO | NO |
| PenaltyWaived @ Death | NO | Owner | NO | NO | Owner | Option | Owner | NO | Option | Option |
| 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 | 85 | 100 | 75 | 85 | 90 | 90 | 90 | 75 | 90 | 90 |
| - Annuitant | 85 | 100 | 75 | 85 | 90 | 90 | 90 | 75 | 90 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | Chg+60days | AppDate+60 | HO Rec+60 | Chg+45days | App Rec+45 | Chg+60days | Chg+45days | Chg+45days |
| Free Look Period | 30 Days | 20 Days | 15 Days | 30 Days | 20 Days | 21 Days | 20 Days | 15 Days | 21 Days | 21 Days |
| Rating -A.M.Best | B+ | B++ | B+ | B+ | B++ | B++ | A | B+ | B++ | B++ |
| Company Assets(in Millions) | $2,295 | $570 | $1,209 | $2,295 | $570 | $760 | $5,055 | $1,209 | $760 | $649 |
| Year Company Founded | 1935 | 1924 | 1963 | 1935 | 1924 | 1948 | 1946 | 1963 | 1948 | 1925 |
| Home Office | Salt Lake City UT | Houston TX | Spokane WA | Salt Lake City UT | Houston TX | Salt Lake City UT | Dallas TX | Spokane WA | Salt Lake City UT | Charleston SC |
| 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 | New Era Enterprises | Manhattan Life Group | SILAC, LLC | New Era Enterprises | Advantage Capital Partners | Financial Holdong Corp. | Manhattan Life Group | Advantage Capital Partners | Advantage Capital |
| 11/19 | 3.10% | 3.00% | 4.00% | 3.65% | 3.70% | 3.80% | 4.90% | |||
| 12/19 | 3.10% | 3.00% | 4.00% | 3.65% | 3.70% | 3.80% | 4.90% | |||
| 01/20 | 2.90% | 3.00% | 3.80% | 3.65% | 3.70% | 3.80% | 4.90% | |||
| 02/20 | 2.90% | 3.00% | 3.80% | 3.65% | 3.70% | 3.80% | 4.90% | |||
| 03/20 | 2.85% | 2.80% | 3.65% | 3.45% | 3.60% | 3.70% | 4.80% | |||
| 04/20 | 2.30% | 2.45% | 3.10% | 3.10% | 3.10% | 3.20% | 4.20% | |||
| 05/20 | 2.30% | 2.45% | 3.10% | 3.10% | 3.10% | 3.20% | 4.20% | |||
| 06/20 | 2.30% | 2.45% | 3.10% | 3.10% | 3.10% | 3.20% | 4.20% | |||
| 07/20 | 2.30% | 2.55% | 3.10% | 3.20% | 3.35% | 3.45% | 4.45% | |||
| 08/20 | 2.30% | 2.55% | New Annuity | 3.10% | 3.20% | 3.35% | New Annuity | 3.45% | 4.45% | |
| 09/20 | 2.30% | 2.55% | 2.65% | 3.10% | 3.20% | 3.35% | 3.30% | 3.45% | 4.45% | |
| 10/20 | 2.30% | 2.55% | 2.65% | 3.10% | 3.20% | 3.35% | New Annuity | 3.30% | 3.45% | 4.45% |
| 11/20 | 2.30% | 2.55% | 2.45% | 3.10% | 3.20% | 3.15% | 3.05% | 3.10% | 3.25% | 4.25% |