Secure Choice 5

*3.20%

Rate Guaranteed for 5 Years

Minimum: $10,000

* Penalties are Waived in the event of death.

After the initial 5 year guarantee period, the interest rate is based on current market conditions, but will never be less than 2.00%. Surrender charges expire at the end of the 5 year period forever.

New Era Life Insurance Company
Philadelphia American Life
New Era Life of the Midwest

Form # A-0045R

Secure Legacy 5

*3.45%

Rate Guaranteed for 5 Years

Minimum: $10,000

* At the above rate, Penalties are NOT waived in the event of death. A Death Benefit Rider is available at a lower rate.

After the initial 5 year period, the annuity may be renewed at a new interest rate based on market conditions, but will never be less than 1.00%. Surrender charges are renewed for subsequent renewal periods.

Upstream Life Insurance Company

Form # ICC18-SPDA MYGA