| 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 Annuity | SecuSavElite2 | Harbourview3 | Guaranty 4 | SecuSavElite5 | SecChoice5 | Harbourview5 | PersonalChoice5 | SecureLegacy5 | MaxChoice 5 | Safe Haven 7 |
| Average Annual Yield | 2.30% | 3.00% | 3.00% | 3.10% | 3.20% | 3.20% | 3.35% | 3.80%ê | 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 | $10,000 | 3.30% @$250K+ $10,000 | $5,000 |
| New Rate-Effective Date | 4/01/2020 | 6/01/2020 | 5/01/2020 | 4/01/2020 | 7/01/2020 | 6/01/2020 | 6/11/2020 | 5/18/2020 | 6/17/2020 | 6/11/2020 |
| New Rate- Effective Date | 3.45% on 7/20/2020 | |||||||||
| Rate on Other Amounts | Optional 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 Period | 2 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 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 | 3.30% Years 2-7 | |||||||||
| Minimum Rate Guarantee | 1.65% | 1.00% | 1.00% | 1.65% | 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 | 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 Year | Option | 1 | 2 | Option | 12 | 1 | Option | 12 | 1 | Option |
| Monthly Income Checks | Option ($100 min) | No | Yes ($100 min) | Option ($100 min) | Yes ($125 min) | No | Option ($100 min) | Yes ($100 min) | No | Option ($100 min) |
| Surrender Charges for Year | 18-85 | 0-89 | 0-100 | 18-85 | 0-90 | 0-89 | 0-59| 60-90 | 0-90 | 0-85 | 0-59| 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 DateOf | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew |
| Action Req'd End of Period | RRR | RRR | NONE | RRR | NONE | RRR | RRR | RRR | NONE | RRR |
| PenaltyWaived-PayOutOver | NO | Life | 5 Years | NO | NO | Life | NO | 5 Years | NO | NO |
| PenaltyWaived @ Death | NO | Owner | Owner | NO | Owner | Owner | Option | Option | NO | 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 | 89 | 100 | 85 | 90 | 89 | 90 | 90 | 85 | 90 |
| - Annuitant | 85 | 89 | 100 | 85 | 90 | 89 | 90 | 90 | 85 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | HO Rec+60 | Chg+45days | AppDate+60 | HO Rec+60 | HO Rec+60 | Chg+45days | AppDate+45 | Chg+60days | Chg+45days |
| Free Look Period | 30 Days | 20 Days | 30 Days | 30 Days | 20 Days | 20 Days | 21 Days | 30 Days | 15 Days | 21 Days |
| Rating -A.M.Best | B+ | B++ | B++u | B+ | 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 Founded | 1935 | 1965 | 1926 | 1935 | 1924 | 1965 | 1948 | 1912 | 1963 | 1925 |
| Home Office | Salt Lake City UT | Denver CO | Baton Rouge LA | Salt Lake City UT | Houston TX | Denver CO | Salt Lake City UT | Oxford MS | Spokane WA | 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 | Oceanview Holdings,Ltd | Kuvare US Holdings, Inc. | SILAC, LLC | New Era Enterprises | Oceanview Holdings,Ltd | Advantage Capital Partners | Upstream Holdings, Inc. | Manhattan Life Group | Advantage Capital |
| 07/19 | 3.10% | 3.15% | 4.00% | 3.85% | 4.00% | 3.35% | 5.05% | |||
| 08/19 | 3.10% | 3.15% | 4.00% | 3.85% | 4.00% | 3.35% | 5.05% | |||
| 09/19 | 3.10% | 2.65% | 4.00% | 3.75% | 4.00% | 3.25% | 5.05% | |||
| 10/19 | 3.10% | 2.65% | 4.00% | 3.75% | 3.85% | 3.15% | 4.90% | |||
| 11/19 | 3.10% | New History | 2.55% | 4.00% | 3.65% | New History | 3.70% | 3.15% | 4.75% | |
| 12/19 | 3.10% | 2.75% | 2.55% | 4.00% | 3.65% | 3.00% | 3.70% | 3.15% | 4.75% | |
| 01/20 | 2.90% | 2.75% | 2.75% | 3.80% | 3.65% | 3.00% | 3.70% | 3.15% | 4.75% | |
| 02/20 | 2.90% | 2.75% | 2.75% | 3.80% | 3.65% | 3.00% | 3.70% | 3.35% | 4.75% | |
| 03/20 | 2.85% | 2.75% | 3.00% | 3.65% | 3.45% | 3.00% | 3.60% | 3.30% | 4.65% | |
| 04/20 | 2.30% | 2.35% | 2.40% | 3.10% | 3.10% | 2.70% | 3.10% | New History | 3.00% | 4.05% |
| 05/20 | 2.30% | 2.75% | 3.00% | 3.10% | 3.10% | 3.00% | 3.10% | 3.25% | 3.00% | 4.05% |
| 06/20 | 2.30% | 3.00% | 3.00% | 3.10% | 3.10% | 3.20% | 3.10% | 3.80% | 3.10% | 4.05% |
| 07/20 | 2.30% | 3.00% | 3.00% | 3.10% | 3.20% | 3.20% | 3.35% | 3.80% | 3.20% | 4.30% |