Rates as of 10/02/2024	“Top 10”	Carpenter Enterprises, LLP
Subject to Change Without Notice!		P. O. Box 878 Wimberley, TX 78676 512-847-2433 or 1-800-955-2433 [email protected]

Insurance Company	AmFirst Insurance Company	New Era & Phil Amer & NewEra MW	Upstream Life	Upstream Life	Heartland National Life	New Era & Phil Amer & NewEra MW	Upstream Life	Farmers Life Insurance	Heartland National Life	Heartland National Life
Name of Annuity	WaypointMYG2	Top Choice 3	Secure Legacy 3	Secure Legacy 4	Secure Rate 5	Top Choice 5	Secure Legacy 5	Safeguard+7	Secure Rate 7	Secure Rate 10
Policy Form Number	ICC23 MYGA	A-0063	ICC23-SPDA MYGA	ICC23-SPDA MYGA	ICC21 HNL-CON	A-0065	ICC23-SPDA MYGA	ICC21 FLIC-CON	ICC21 HNL-CON	ICC21 HNL-CON
Average Annual Yield	5.00%	5.30%	6.00%	5.70%	5.50%	5.60%	5.95%	5.40%	5.55%	5.70%
Rate Guarantee Period	2 Years	3 Years	3 Years	4 Years	5 Years	5 Years	5 Years	7 Years	7 Years	10 Years
Minimum Non-Qualified	$100,000	$10,000	$10,000	$10,000	$5,000	$10,000	$10,000	$10,000	$5,000	$5,000
Amount Qualified	$100,000	$10,000	$10,000	$10,000	$5,000	$10,000	$10,000	$10,000	$5,000	$5,000
Initial Period Rate	5.00%	5.30%	6.00%	5.70%	5.50%	5.60%	5.95%	5.40%	5.55%	5.70%
Other Rate Information	4.75%	5.40%				5.70%
	Rate For	Rate For	Death	Death		Rate For	Death
	Premiums	Internal	Benefit	Benefit		Internal	Benefit
	$20K-$99,999	Exchanges	Rider Cost	Rider Cost		Exchanges	Rider Cost
		Only	- 0.25%	- 0.25%		Only	- 0.25%
v New Rate Effective Date
New Average Annual Yield
Minimum Rate After InitPer	3.00%	1.00%	1.00%	1.00%	3.00%	1.00%	1.00%	1.00%	3.00%	3.00%
After IP – Rate Subject To	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed
AnnuityFund InvestmentType	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA
FREE Annual Withdrawal	10% of Prev Yr Ann Value	100% Interest	100% Interest	100% Interest	Curr Yr Interest Annual Reset	100% Interest	100% Interest	100% Interest Annual Reset	Curr Yr Interest Annual Reset	Curr Yr Interest Annual Reset
Free Withdrawals Per Year	Unlim(Yr2+)	12	12	12	1	12	12	12	1	1
Monthly Income Checks	Yes (Yr2+)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
	($500 min)	($125 min)	($100 min)	($100 min)	($100 min)	($125 min)	($100 min)	($100 min)	($100 min)	($100 min)
Type of Funds Accepted:	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified
	IRA-SEP-Roth	IRA-SEP	IRA-SEP-Roth	IRA-SEP-Roth	IRA-SEP-Roth	IRA-SEP	IRA-SEP-Roth	IRA-SEP-Roth	IRA-SEP-Roth	IRA-SEP-Roth
Issue Ages:	0 – 89	0 – 100	0 – 90	0 – 90	18 – 90	0 – 90	0 – 90	0 – 90	18 – 90	18 – 90
Surrender Penalty Charges	MVA +	MVA +	MVA +	MVA +	MVA +	MVA +	MVA +	MVA +	MVA +	MVA +
Year 1	9%	5%	10%	10%	9.0%	5%	10%	9%	9.0%	9.0%
2	8%	5%	9%	9%	8.0%	5%	9%	8%	8.0%	8.0%
3		5%	8%	8%	7.0%	5%	8%	7%	7.0%	7.0%
4				7%	6.0%	5%	7%	6%	6.0%	6.0%
5					5.0%	5%	6%	5%	5.0%	5.0%
6								4%	4.0%	4.0%
7								3%	3.0%	3.0%
8										2.5%
9										1.5%
10										0.9%
Penalty Applied from Date of	Contract	Contract	Cont/Renew	Cont/Renew	Cont/Renew	Contract	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew
Action Req’d End of Period	RRR	NONE	RRR	RRR	RRR	NONE	RRR	RRR	RRR	RRR
PenaltyWaivedw/PayOutOver	Life	5 Years	5 Years	5 Years	NO	5 Years	5 Years	NO	NO	NO
PenaltyWaived @ Death of	Owner	Owner	Option	Option	Owner	Owner	Option	Owner	Owner	Owner
UpFront Charges/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
Days Rate Held on Transfers	AppDate+60	HO Rec+60	AppDate+45	AppDate+45	HO Rec+45	HO Rec+60	AppDate+45	AppDate+60	HO Rec+45	HO Rec+45
Free Look Period	30 Days	20 Days	30 Days	30 Days	30 Days	20 Days	30 Days	30 Days	30 Days	30 Days
A.M. Best Rating	A-	A-	B-	B-	B++	A-	B-	B++	B++	B++
Company Assets (in Millions)	$115	$719	$319	$319	$54	$719	$319	$571	$54	$54
Year Company Founded	2013	1924	1912	1912	1965	1924	1912	1997	1965	1965
Insurance Company Type	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve
Home Office	OK City	Houston	Oxford	Oxford	Independence	Houston	Oxford	Knoxville	Independence	Independence
	OK	TX	MS	MS	MO	TX	MS	TN	MO	MO
Ultimate Parent Company	Wheaton Mgmt LLC	New Era Enterprises	Upstream Holdings, Inc.	Upstream Holdings, Inc.	Heartland National	New Era Enterprises	Upstream Holdings, Inc.	Arrowhead Capital Group	Heartland National	Heartland National
11/23		5.50%	5.75%			5.70%	5.65%	5.55%
12/23		5.50%	5.75%	NewAnnuity		5.80%	5.65%	5.55%
01/24		5.50%	5.75%	5.70%		5.80%	5.65%	5.55%
02/24		5.50%	5.75%	5.70%		5.80%	5.65%	5.55%
03/24		5.50%	6.00%	5.70%	New History	5.80%	5.85%	5.55%	New History	New History
04/24		5.50%	6.00%	5.70%	5.80%	5.80%	5.85%	5.55%	5.80%	5.80%
05/24	New History	5.50%	6.00%	5.70%	5.80%	5.80%	5.85%	5.55%	5.80%	5.80%
06/24	5.65%	5.40%	6.00%	5.70%	5.80%	5.70%	5.95%	5.55%	5.80%	5.80%
07/24	5.65%	5.40%	6.00%	5.70%	5.80%	5.70%	5.95%	5.55%	5.80%	5.80%
08/24	5.65%	5.40%	6.00%	5.70%	5.80%	5.70%	5.95%	5.40%	5.80%	5.80%
09/24	5.25%	5.30%	6.00%	5.70%	5.70%	5.60%	5.95%	5.40%	5.75%	5.75%
10/24	5.00%	5.30%	6.00%	5.70%	5.50%	5.60%	5.95%	5.40%	5.55%	5.70%

v New Rate Effective Date – Applications received in the Ins. Co. Home Office On or After that date will receive the new rate.