| Insurance Company | Investors Heritage Life | Liberty Bankers & Capitol Life | Guaranty Income | New Era Life New Era MW Phil Amer | Atlantic Coast Life | Equitable Life and Casualty | Equitable Life and Casualty | Sentinel Security Life | Guaranty Income | Atlantic Coast Life |
| Name of Annuity | HeritageBldr3 | Bankers Elite 3 | Guaranty 4 | SecChoice5 | Safe Haven 5 | SecureSavings | SecuSavElite5 | PersonalChoice5 | Guaranty 6 | Safe Haven 7 |
| Average Annual Yield | 2.90% | 3.10% | 3.00%é | 3.95% | 4.00% | 4.00% | 4.10% | 4.00% | 4.10%ê | 4.19% |
| Initial Period Yield | 2.90% | 3.10% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 4.10% | 5.05% |
| Minimum Amount | $50,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 | $5,000 | $10,000 ($5,500 Q) | $10,000 ($5,500 Q) | $2,5000 | $5,000 ($2,000 Q) | $5,000 |
| New Rate-Effective Date | 01/26/19 | 02/04/19 | 10/01/18 | 11/01/18 | 7/09/18 | 7/16/18 | 11/01/18 | 1/08/19 | 11/01/18 | 7/09/18 |
| New Rate- Effective Date | 3.15% on 3/01/19 | 3.85% on 3/01/19 | ||||||||
| Rate on Other Amounts | 4.00% 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 | 1% Bonus Init Prem | ||||||||
| Rate Guarantee Period | 3 Years | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 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 | 3.80% Years 2-5 | 4.05% Years 2-7 | ||||||||
| Minimum Rate Guarantee | 1.65% | 1.65% | 1.25% | 2.00% | 1.65% | 1.65% | 1.65% | 1.65% | 1.25% | 1.65% |
| 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 Ann Value | None | 100% Interest | 100% Interest | Option Rider | 5% of Ann Value | None | Option Rider | 100% Interest | Option Rider |
| Free Withdrawal Per Year | 12 | 0 | 2 | 12 | Option | 12 | 0 | Option | 2 | Option |
| Monthly Income Checks | Yes ($100 min) | N/A | Yes ($100 min) | Yes ($125 min) | Option ($100 min) | Yes ($100 min) | N/A | Option ($100 min) | Yes ($100 min) | Option ($100 min) |
| Surrender Charges for Year | 0-90 | 0-90 | 0-100 | 0-90 | 0-59| 60-90 | 18-90 | 18-85 | 0-59| 60-90 | 0-100 | 0-59| 60-90 |
| 1 2 3 4 5 6 7 8 9 10 | 9% 8% 7% | MVA+7.9% MVA+7.0% MVA+6.2% | 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+8% MVA+7% MVA+7% MVA+6% MVA+5% MVA+4% | 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 | Contract | Contract | Contract | Contract | Cont/Renew | Cont/Renew | Cont/Renew | Cont/Renew | Contract | Cont/Renew |
| Action Req'd End of Period | NONE | NONE | NONE | NONE | RRR | RRR | RRR | RRR | NONE | RRR |
| PenaltyWaived-PayOutOver | 10 Years | NO | 5 Years | NO | NO | NO | NO | NO | 5 Years | NO |
| PenaltyWaived @ Death | Owner | NO | Owner | Owner | Option | Owner | NO | Option | Owner | 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 | 90 | 85 | 100 | 90 | 90 | 90 | 85 | 90 | 90 | 90 |
| - Annuitant | 90 | 85 | 100 | 90 | 90 | 90 | 85 | 90 | 90 | 90 |
| Days Rate Held on Rollovers | App+45days | HO Rec+45days | Chg+45days | HO Rec+60 | Chg+45days | HO Rec+45days | HO Rec+45days | Chg+45days | Chg+45days | Chg+45days |
| Free Look Period | 30 Days | 30 Days | 30 Days | 20 Days | 21 Days | 30 Days | 30 Days | 21 Days | 30 Days | 21 Days |
| Rating -A.M.Best | B+ | B++ | B++ | B++ | B++ | B | B | B++ | B++ | B++ |
| Company Assets(in Millions) | $454 | $1,712 | $665 | $538 | $445 | $352 | $352 | $797 | $665 | $445 |
| Year Company Founded | 1961 | 1957 | 1926 | 1924 | 1925 | 1935 | 1935 | 1948 | 1926 | 1925 |
| Home Office | Frankfort KY | OK City OK | Baton Rouge LA | Houston TX | Charleston SC | Salt Lake City UT | Salt Lake City UT | Salt Lake City UT | Baton Rouge LA | 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 | Aquarian Investors Heritage | Liberty Life Group Trust | Kuvare US Holdings, Inc. | New Era Enterprises | Advantage Capital | SILAC, LLC | SILAC, LLC | Advantage Capital Partners | Kuvare US Holdings, Inc. | Advantage Capital |
| 02/18 | 2.15% | 2.60% | 3.35% | 4.20% | 3.30% | 3.35% | 3.25% | 4.46% | ||
| 03/18 | 2.50% | 2.75% | 3.35% | 4.35% | 3.30% | 3.50% | 3.40% | 4.61% | ||
| 04/18 | 2.50% | 2.75% | 3.50% | 4.35% | 3.30% | 3.50% | 3.40% | 4.61% | ||
| 05/18 | 2.75% | 2.75% | 3.50% | 4.50% | 3.65% | 3.65% | 3.40% | 4.75% | ||
| 06/18 | 2.75% | 2.75% | 3.60% | 4.50% | 3.65% | 3.65% | 3.40% | 4.75% | ||
| 07/18 | 2.75% | 2.75% | 3.65% | 4.50% | 3.65% | 3.65% | 3.40% | 4.75% | ||
| 08/18 | 2.75% | 2.80% | 3.75% | 4.80% | 4.00% | 4.00% | 3.60% | 5.05% | ||
| 09/18 | 2.75% | 2.80% | 3.75% | 4.80% | 4.00% | 4.00% | 3.60% | 5.05% | ||
| 10/18 | 3.10% | 3.25% | 3.00% | 3.80% | 4.80% | 4.00% | 4.00% | 3.70% | 5.05% | |
| 11/18 | 3.10% | 3.25% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 4.10% | 5.05% |
| 12/18 | 3.10% | 3.25% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 4.10% | 5.05% |
| 01/19 | 3.10% | 3.25% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 4.10% | 5.05% |
| 02/19 | 3.10% | 3.25% | 3.00% | 3.95% | 4.80% | 4.00% | 4.10% | 4.00% | 4.10% | 5.05% |