Tax Deferred Annuities

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Rates as of: 08/01/2018
Insurance Company	Equitable Life & Casualty	New Era & Phil Amer & New Era MW	Western Bankers	Guaranty Income Life	Atlantic Coast Life	New Era & Phil Amer & New Era MW	Equitable Life & Casualty	Western Bankers	Guaranty Income Life	Western Bankers
Name of Annuity	SecureSavings	SecureChoice3	SPDA-3	Guaranty 4	Safe Haven 5	SecureChoice5	SecureSavings	SPDA-5	Guaranty 6	SPDA-7
Average Annual Yield	2.80%	2.85%	3.10%	2.80%	4.00%	3.75%	4.00%	3.80%	3.60%	4.10%
Rate Guarantee Period	2 Years	3 Years	3 Years	4 Years	5 Years	5 Years	5 Years	5 Years	6 Years	7 Years
Minimum Amount Non-Qualified Qualified	$20,000 $20,000	$10,000 $10,000	$50,000 $50,000	$5,000 $2,000	$5,000 $5,000	$10,000 $10,000	$20,000 $20,000	$10,000 $10,000	$5,000 $2,000	$10,000 $10,000
Initial Period Rate	2.80%	2.85%	3.10%	2.80%	4.80%	3.75%	4.00%	3.80%	3.60%	4.10%
Rate on Other Amounts		2.90% Internal Exchange Rate			3.80% Years 2-5 Opt. Liquidity Riders Available with Lower Rate	3.80% Internal Exchange Rate
New Effective Date New Average Annual Yield
Minimum Rate After InitPer After IP - Subject to Change	1.00% Fixed	2.00% Fixed	1.00% Fixed	1.00% Fixed	1.00% Fixed	2.00% Fixed	1.00% Fixed	1.00% Fixed	1.00% Fixed	1.00% Fixed
AnnuityFund investment Type	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA
FREE Annual Withdrawal Amount	5% Yr 1+ 100% end Yr 2	100% Interest	10% of Ann Value	100% Interest	Option Rider	100% Interest	5% Yr 1+ 100% end Yr 5	10% of Ann Value	100% Interest	10% of Ann Value