| Insurance Company | AmFirst Insurance Company | AmFirst Insurance Company | Upstream Life | American Life & Security | AmFirst Insurance Company | Farmers Life Insurance | New Era Life New Era MW Phil Amer | Farmers Life Insurance | Heartland National Life | Farmers Life Insurance |
| Name of Annuity | WaypointMYGA2 | WaypointMYGA3 | SecureLegacy3 | AmericanClassic5 | WaypointMYGA5 | Safeguard+5 | Top Choice 5 | Safeguard+7 | SecureRate7 | Safeguard+10 |
| Average Annual Yield | 5.00% | 5.45% | 6.00% | 5.55% | 5.80% | 5.60% | 5.60% | 5.60% | 5.55% | 5.65% |
| Initial Period Yield | 5.00% | 5.45% | 6.00% | 5.55% | 5.80% | 5.60% | 5.60% | 5.60% | 5.55% | 5.65% |
| Minimum Amount | $100,000 | $100,000 | $10,000 | $1,000 | $100,000 | $10,000 | $10,000 | $10,000 | $5,000 | $10,000 |
| New Rate-Effective Date | 04/16/2025 | 07/28/2025 | 5/31/2024 | 06/09/2025 | 07/28/2025 | 02/24/2025 | 04/01/2025 | 02/24/2025 | 01/21/2025 | 02/24/2025 |
| New Rate- Effective Date | ||||||||||
| Rate on Other Amounts | 4.70% on Premiums $20,000 - $99,999 | 5.15% on Premiums $20,000 - $99,999 | Death Benefit Rider Cost - 0.25% | 5.68% Effective Rate w/ 0.60% Loyalty Bonus No W/D exc RMD | 5.40% on Premiums $20,000 - $99,999 | 5.70% on Internal Exchanges | ||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | ||||||||||
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 7 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 | ||||||||||
| Minimum Rate Guarantee | 2.55% | 2.55% | 3.00% | 1.00% | 2.55% | 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 | 10% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 100% Interest | 10% of Prev Yr Ann Value | 10% of Prev Yr Ann Value | 100% Interest Annual Reset | 100% Interest | 100% Interest Annual Reset | Curr Yr Interest Annual Reset | 100% Interest Annual Reset |
| Free Withdrawal Per Year | Unlimited (Yr2+) | Unlimited (Yr2+) | 12 | 1 (Yr2+) | Unlimited (Yr2+) | 12 | 12 | 12 | 1 | 12 |
| Monthly Income Checks | Yes (Yr 2+) ($500 min) | Yes (Yr 2+) ($500 min) | Yes ($100 min) | Yes (Yr 2+) | Yes (Yr 2+) ($500 min) | Yes ($100 min) | Yes ($125 min) | Yes ($100 min) | Yes ($100 min) | Yes ($100 min) |
| Surrender Charges for Year | 0-89 | 0-89 | 0-90 | 0-90 | 0-89 | 0-95 | 0-90 | 0-90 | 18-90 | 0-90 |
| 1 2 3 4 5 6 7 8 9 10 | MVA+9% MVA+8% | MVA+9% MVA+8% MVA+7% | MVA+10% MVA+9% MVA+8% | 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+3% | 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 DateOf | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew | Cont/Renew | Cont/Renew |
| Action Req'd End of Period | RRR | RRR | RRR | RRR | RRR | RRR | NONE | RRR | RRR | RRR |
| PenaltyWaived-PayOutOver | Life | Life | 5 Years | 5 Years w/MVA | Life | NO | 5 Years | NO | NO | NO |
| PenaltyWaived @ Death | Owner | Owner | Option | Owner | Owner | Owner | Owner | Owner | Owner | Owner |
| 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 | 89 | 89 | 90 | 90 | 89 | 95 | 90 | 90 | 90 | 90 |
| - Annuitant | 89 | 89 | 90 | 90 | 89 | 95 | 90 | 90 | 90 | 90 |
| Days Rate Held on Rollovers | AppDate+60 | AppDate+60 | AppDate+45 | Chg+30days | AppDate+60 | AppDate+60 | HO Rec+60 | AppDate+60 | HO Rec+45 | AppDate+60 |
| Free Look Period | 30 Days | 30 Days | 30 Days | 30 Days | 30 Days | 30 Days | 20 Days | 30 Days | 30 Days | 30 Days |
| Rating -A.M.Best | A- | A- | NR-1 | B++ | A- | B++ | A- | B++ | B++ | B++ |
| Company Assets(in Millions) | $527 | $527 | $430 | $4,135 | $527 | $1,150 | $725 | $1,150 | $234 | $1,150 |
| Year Company Founded | 2013 | 2013 | 1912 | 1960 | 2013 | 1997 | 1924 | 1997 | 1965 | 1997 |
| Home Office | OK City OK | OK City OK | Oxford MS | Lincoln NE | OK City OK | Knoxville TN | Houston TX | Knoxville TN | Independence MO | Knoxville TN |
| 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 | Wheaton Mgmt LLC | Wheaton Mgmt LLC | Upstream Holdings, Inc | Midas. Parent LP | Wheaton Mgmt LLC | Arrowhead Capital Group | New Era Enterprises | Arrowhead Capital Group | Heartland National | Arrowhead Capital Group |
| 06/24 | 5.65% | 5.85% | 6.00% | 5.70% | 5.95% | 5.80% | 5.70% | 5.55% | 5.80% | 5.50% |
| 07/24 | 5.65% | 5.85% | 6.00% | 5.70% | 5.95% | 5.80% | 5.70% | 5.55% | 5.80% | 5.50% |
| 08/24 | 5.65% | 5.85% | 6.00% | 5.70% | 5.95% | 5.65% | 5.70% | 5.40% | 5.80% | 5.35% |
| 09/24 | 5.25% | 5.45% | 6.00% | 5.40% | 5.50% | 5.60% | 5.60% | 5.40% | 5.75% | 5.35% |
| 10/24 | 5.00% | 5.25% | 6.00% | 5.00% | 5.30% | 5.45% | 5.60% | 5.40% | 5.55% | 5.35% |
| 11/24 | 5.10% | 5.20% | 6.00% | 5.20% | 5.30% | 5.40% | 5.50% | 5.40% | 5.45% | 5.35% |
| 12/24 | 5.20% | 5.35% | 6.00% | 5.20% | 5.55% | 5.40% | 5.50% | 5.40% | 5.45% | 5.35% |
| 01/25 | 5.20% | 5.35% | 6.00% | 5.40% | 5.55% | 5.40% | 5.50% | 5.40% | 5.45% | 5.45% |
| 02/25 | 5.20% | 5.35% | 6.00% | 5.40% | 5.60% | 5.40% | 5.50% | 5.50% | 5.55% | 5.55% |
| 03/25 | 5.20% | 5.35% | 6.00% | 5.40% | 5.60% | 5.60% | 5.50% | 5.60% | 5.55% | 5.65% |
| 04/25 | 5.20% | 5.35% | 6.00% | 5.40% | 5.60% | 5.60% | 5.60% | 5.60% | 5.55% | 5.55% |
| 05/25 | 5.00% | 5.45% | 6.00% | 5.40% | 5.55% | 5.60% | 5.60% | 5.60% | 5.55% | 5.65% |
| 06/25 | 5.00% | 5.45% | 6.00% | 5.40% | 5.65% | 5.60% | 5.60% | 5.60% | 5.55% | 5.65% |