Rates as of: 07/01/2022(To print the Top 10, please use the PDF version)

Insurance Company Americo
Financial
Life
American
Life &
Security
Guggenheim
Life &
Annuity
Guggenheim
Life &
Annuity
American
Life &
Security
Americo
Financial
Life
New Era Life
New Era MW

Phil Amer
Pacific
Guardian
Life
Americo
Financial
Life
Americo
Financial
Life
Name of AnnuityPlatinumAssure2AmericanClassic3PreserveMYG3PreserveMYG4AmericanClassic5PlatinumAssure5SecChoice5DiamondHead5PlatinumAssure6PlatinumAssure7
Average Annual Yield 3.00%3.85%4.00%4.05%4.05%4.20%4.00%3.90%4.30%4.50%
Initial Period Yield 3.00%3.85%4.00%4.05%4.05%4.20%4.00% 3.90%4.30%4.50%
Minimum Amount$20,000$1,000$10,000NQ
$5,000Q
$10,000NQ
$5,000Q
$1,000$20,000$10,000$10,000$20,000$20,000
New Rate-Effective Date6/27/20225/19/20227/01/20227/01/20225/19/20226/27/20227/01/20226/13/20226/27/20226/27/2022
New Rate-
Effective Date
          
Rate on Other Amounts 4.00%
 Effective Rate
w/ 0.45%
Loyalty Bonus
No W/D exc RMD
4.10%
Rate For
Premiums
$250,000+
 
4.15%
Rate For
Premiums
$250,000+
 
4.17%
 Effective Rate
w/ 0.60%
Loyalty Bonus
No W/D exc RMD
 4.10% on Internal Exchanges

 
   
EAY Incl Non-Forfeitable
Bonus on Prem. Received
          
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
          
Minimum Rate Guarantee1.00%1.00%1.00%1.00%1.00%1.00%2.00%0.15%1.00%1.00%
After IP - Rate Subject ToFixedFixedFixedFixedFixedFixedFixedFixedFixedFixed
Funds Investment TypeMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGAMYGA
FREE Annual Withd'l Amt3% of
Acct Value
10% of Prev
Yr Ann Value
10% of Prev
Yr Ann Value
10% of Prev
Yr Ann Value
10% of Prev
Yr Ann Value
5% of
Acct Value
100%
Interest
10% of
Acct Value
5% of
Acct Value
5% of
Acct Value
Free Withdrawal Per Year11 (Yr2+)1 (Yr2+)1 (Yr2+)1 (Yr2+)1121211
Monthly Income ChecksYes Yes (Yr 2+)
 
Yes
 
Yes
 
Yes (Yr 2+)
 
Yes Yes
($125 min)
Yes
($100 min)
Yes Yes
Surrender Charges for Year0-900-900-900-900-900-900-9018-850-900-90
1
2
3
4
5
6
7
8
9
10
MVA+9%
MVA+8%
 
MVA+9%
MVA+8%
MVA+7%
MVA+7%
MVA+6%
MVA+5%
 
MVA+7%
MVA+6%
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+5%
MVA+5%
MVA+5%
MVA+5%
MVA+5%
10%
9%
8%
7%
6%
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%

 
Penalty Applied from DateOfContractCont/RenewCont/RenewCont/RenewCont/RenewContractContractCont/RenewContractContract
Action Req'd End of PeriodNONERRRRRRRRRRRRNONENONERRRNONENONE
PenaltyWaived-PayOutOverNO5 Years w/MVA10 Years10 Years5 Years w/MVANO5 Years5 YearsNONO
PenaltyWaived @ DeathOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwnerOwner
Annual FeesNONENONENONENONENONENONENONENONENONENONE
Additional Premium AllowedNONONONONONONONONONO
Max. Issue Age - Owner90909090909090859090
- Annuitant90909090909090859090
Days Rate Held on RolloversHO Rec+45Chg+30daysHO Rec+45HO Rec+45Chg+30daysHO Rec+45HO Rec+60HO Rec+60HO Rec+45HO Rec+45
Free Look Period20 Days30 Days30 Days30 Days30 Days20 Days20 Days30 Days20 Days20 Days
Rating -A.M.BestAB++A-A-B++AA-AAA
Company Assets(in Millions)$6,172$1,212$15,020$15,020$1,212$6,172$651$595$6,172$6,172
Year Company Founded1946196019851985196019461924196219461946
Home OfficeKansas City
MO
Lincoln
NE
Indianapolis
IN
Indianapolis
IN
Lincoln
NE
Kansas City
MO
Houston
TX
Honolulu
HI
Kansas City
MO
Kansas City
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 CompanyAmerico Life,
Inc.
Midwest
Holdings, Inc
Group 1001,
LLC
Group 1001,
LLC
Midwest
Holdings, Inc
Americo Life,
Inc.
New Era EnterprisesMeji Yasuda
Life
Americo Life,
Inc.
Americo Life,
Inc.

Rate History on New Prem

          
06/21 2.25%2.00%2.30%2.60% 3.00%   
07/21 2.25%2.00%2.30%2.75% 3.00%   
08/21 2.25%2.00%2.30%2.95% 3.00%   
09/21 2.25%1.75%2.00%2.95% 3.00%   
10/21 2.25%1.75%2.00%2.95% 3.00%NewAnnuity  
11/21 2.25%1.75%2.00%2.95% 3.00%2.75%  
12/21 2.25%1.75%2.00%2.95% 3.10%2.75%  
01/22 2.25%2.00%2.15%2.95% 3.10%2.85%  
02/22 2.25%2.10%2.25%2.95% 3.10%3.00%  
03/22 2.25%2.50%2.65%2.95% 3.10%3.00%  
04/22 2.80%3.00%3.05%3.30% 3.20%3.15%  
05/22 3.15%3.00%3.05%3.50% 3.40%3.30%  
06/22NewAnnuity3.85%3.50%3.55%4.05%NewAnnuity3.65%3.70%NewAnnuityNewAnnuity
07/223.00%3.85%4.00%4.05%4.05%4.204.00%3.90%4.304.50