As of 10/28/19 FIXED ANNUITY RATES

As of 11/18/19

FIXED ANNUITY RATES

MYG Rates

Surrender

Period Rate

3

1.15%

3

1.30%

3

2.70%

3

2.15%

3

2.55%

3

2.40%

3

1.60%

3

1.95%

3

2.15%

4

2.05%

4

2.35%

4

2.55%

5

1.80%

5

2.20%

5

2.50%

5

1.95%

5

2.05%

5

1.90%

5

2.05%

5

2.95%

5

2.50%

5

3.15%

5

3.00%

5

2.70%

5

2.35%

5

2.00%

5

2.30%

5

2.60%

5

2.45%

5

2.30%

Company Athene Athene

F&G Global Atlantic Liberty Bankers Life Liberty Bankers Life North American North American

Oxford AIG AIG

Oxford American Equity

AIG AIG American National American National Athene Athene F&G Global Atlantic Liberty Bankers Life Liberty Bankers Life Liberty Bankers Life Mutual of Omaha North American North American Oxford Reliance Standard Reliance Standard

AM Best Rating

A A AA B++ B++ A+ A+ AA A AAA A A A A A AA B++ B++ B++ A+ A+ A+ AA+ A+

Product Name MaxRate version 1 under 100k

MaxRate version 1 100k+ Guarantee Platinum SecureFore

Bankers Elite (non liquid) Bankers Series (liquid)

Guarantee Choice under 100k Guarantee Choice 100k+ Multi-Select

American Pathway MYG under 100k American Pathway MYG 100k+ Multi-Select Guarantee Annuity

American Pathway MYG under 100k American Pathway MYG 100k + Palladium MYG under 100k Palladium MYG 100k+ MaxRate version 1 under 100k MaxRate version 1 100k+ Guarantee Platinum SecureFore Bankers Elite (non liquid) Bankers Series Premier (liquid) Bankers Series (liquid) Ultra-Premier Guarantee Choice under 100k Guarantee Choice 100k+ Multi-Select Eleos MVA Eleos SP

Max Age 85 85 90 85 90* 90 90 90 80 85 85 80 85 85 85 85 85 83 83 90 85 90* 90* 90* 89 90 90 80 85 85

Free Withdrawal Provisions interest only interest only interest only 10%

NONE-Surrender value as death benefit interest only interest only interest only

interest only during yr 1, 10% after first year 15% after 1st year 15% after 1st year

interest only during yr 1, 10% after first year interest only

15% after 1st year 15% after 1st year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year

interest only interest only interest only

10% NONE-Surrender value as death benefit

interest only interest only

10% interest only interest only interest only during yr 1, 10% after first year

10% 10%

Minimum Amount $10,000.00 $10,000.00 $20,000.00 $10,000.00 $10,000.00 $10,000.00

Q: $2000 NQ: $10,000 Q: $2000 NQ: $10,000

$20,000.00 $10,000.00 $10,000.00 $20,000.00 $10,000.00 $10,000.00 $10,000.00 $5,000.00 $5,000.00 $10,000.00 $10,000.00 $20,000.00 $10,000.00 $10,000.00 $10,000.00 $10,000.00 $25,000.00 Q: $2000 NQ: $10,000 Q: $2000 NQ: $10,000 $20,000.00 $10,000.00 $10,000.00

MYG Rates Continued

Surrender

Period Rate

Company

6

1.85%

American Equity

6

2.15%

AIG

6

2.45%

AIG

6

2.05% American National

6

2.15% American National

6

2.95%

Oxford

7

1.90%

American Equity

7

2.15%

AIG

7

2.45%

AIG

7

2.29% American National

7

2.39% American National

7

2.00%

Athene

7

2.15%

7

3.10%

Athene F&G

7

3.40% Libery Bankers Life

7

3.25% Libery Bankers Life

7

2.95% Libery Bankers Life

7

2.50% Mutual of Omaha

7

1.80%

North American

7

2.05%

North American

7

2.80%

Oxford

8

2.20% American National

8

2.30% American National

8

3.10%

Oxford

9

2.27% American National

9

2.37% American National

9

3.55% Libery Bankers Life

9

2.95%

Oxford

10

2.15%

AIG

10

2.45%

AIG

10

2.30% American National

10

2.40% American National

10

2.00%

North American

10

2.25%

North American

10

3.00%

Oxford

AM Best Rating

AA A A A AAA A A A A A AB++ B++ B++ A+ A+ A+ AA A AA A B++ AA A A A A+ A+ A-

Product Name Guarantee Annuity American Pathway MYG under 100k American Pathway MYG 100k + Palladium MYG under 100k Palladium MYG 100k+

Multi-Select Guarantee Annuity American Pathway MYG under 100k American Pathway MYG 100k + Palladium MYG under 100k Palladium MYG 100k+ MaxRate version 1 under 100k MaxRate version 1 100k+ Guarantee Platinum Bankers Elite (non liquid) Bankers Series Premier (liquid) Bankers Series (liquid)

Ultra-Premier Guarantee Choice under 100k

Guarantee Choice 100k+ Multi-Select

Palladium MYG under 100k Palladium MYG 100k+ Multi-Select

Palladium MYG under 100k Palladium MYG 100k+

Bankers Elite (non liquid) Multi-Select

American Pathway MYG under 100k American Pathway MYG 100k + Palladium MYG under 100k Palladium MYG 100k+ Guarantee Choice under 100k Guarantee Choice 100k+ Multi-Select

Max Age 85 85 85 85 85 80 85 85 85 85 85 83 83 90 85* 85 85 88 90 90 80 85 85 75 85 85 80* 75 85 85 85 85 90 90 75

Free Withdrawal Provisions interest only

15% after 1st year 15% after 1st year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year

interest only 15% after 1st year 15% after 1st year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year

interest only interest only interest only NONE-Surrender value as death benefit interest only interest only

10% interest only interest only interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year NONE-Surrender value as death benefit interest only during yr 1, 10% after first year 15% after 1st year 15% after 1st year interest only during yr 1, 10% after first year interest only during yr 1, 10% after first year interest only interest only interest only during yr 1, 10% after first year

Minimum Amount $10,000.00 $10,000.00 $10,000.00 $5,000.00 $5,000.00 $20,000.00 $10,000.00 $10,000.00 $10,000.00 $5,000.00 $5,000.00 $10,000.00 $10,000.00 $20,000.00 $10,000.00 $10,000.00 $10,000.00 $25,000.00

Q: $2000 NQ: $10,000 Q: $2000 NQ: $10,000

$20,000.00 $5,000.00 $5,000.00 $20,000.00 $5,000.00 $5,000.00 $10,000.00 $20,000.00 $10,000.00 $10,000.00 $5,000.00 $5,000.00 Q: $2000 NQ: $10,000 Q: $2000 NQ: $10,000 $20,000.00

BEST MYG RATE BY SURRENDER PERIOD (3, 5, 7, 10)

3 yr

Under 100k

100k +

F&G Guarantee Platinum 2.70% F&G Guarantee Platinum 2.70%

5 yr

Under 100k

100k +

Liberty Bankers Life Elite/Premier - 3.15%/3.00% Liberty Bankers Life Elite/Premier - 3.15%/3.00%

7 yr

Under 100k

100k +

Liberty Bankers Life Elite/Premier - 3.40%/3.25% Liberty Bankers Life Elite/Premier - 3.40%/3.25%

10 yr

Under 100k 100k +

Oxford Multi-Select - 3.00% (8 year is 3.10%) Oxford Multi-Select - 3.00% (8 year is 3.10%)

Liquid Liquid Non-liquid/Liquid Non-liquid/Liquid Non-liquid/Liquid Non-liquid/Liquid

Non-MYG Fixed Annuity Rates

Company

Rate

Surrender Period

AM Best Rating

Product Name

Liberty Bankers Life

5, 7

B++

Liberty Choice, Liberty Select

(5 yr) 1st year base rate of 2.00%

1st year bonus of 1%

Minimum Guarantee rate after the 1st year is 1.65%

(7 yr) 1st year base rate of 2.15% 1st year bonus of 1.50% Minimum Guarantee rate after the 1st year is 1.65%

Company Rate Mutual of

Omaha

Surrender Period 8

AM Best Rating

A+

1st year base rate of 1.30%

1st year bonus of 1% Minimum Guarantee after the 1st year is 1%

Product Name Bonus Flexible

Max Age

90 85 Max Age 89

Free Withdrawal Provisions

interest only interest only Free Withdrawal Provisions

10%

Minimum Amount

$5,000 or flexible premium

$5,000 or flexible premium

Minimum Amount $5,000.00

Non-MYG Fixed Annuity Rates Continued

AM Best

Company Rate

Surrender Period

Rating

Product Name - 3 Product Featured with NWL

Max Age

Free Withdrawal Provisions

National Western Life

Protector One

Accumulator five

Protector One: 10% Cumulative to 50% Accumulator

10

A

Prevail Seven

75-Q, 85-NQ Five: 10% Cumulative to 30% Prevail Seven: 10%

Protector One Rates 1st year base rate of 2.55%

1st year bonus of 1%

Minimum Guarantee after the 1st year is 1%

Accumulator Five Rates 1st year base rate of 2.55% 1st year bonus of 5% Minimum Guarantee after the 1st year is 1%

Prevail Seven Rates 1st year rate of 2.55% 1st year bonus of 7% Minimum Guarantee after the 1st year is 1%

Company Rate

Surrender Period

AM Best Product Name - 2 Products Featured with

Rating

Reliance Standard

Max Age

Free Withdrawal Provisions

Reliance Standard

7

A+

Apollo MVA

Apollo MVA 1st year base rate of 2.05% 1st year bonus of 2%

Minimum Guarantee after the 1st year is 1.6%

Apollo SP

85

10% Cumulative to 30%

Apollo SP 1st year base rate of 1.90% 1st year bonus of 2% Minimum Guarantee after the 1st year is 1.6%

Minimum Amount $5,000.00

Minimum Amount $10,000.00

State Approvals American Equity

Guarantee Not in NY

American General Life Insurance Company (AIG) American Pathway Solutions MYG Not in NY

American National Palladium Not in UT 8 and 9 yr surrender not available in NY

Athene

MaxRate Not in NY. Available with restrictions in AK, CA, CT, DE, HI, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, & WA

F&G

Guarantee Platinum

Not in MT or NY.

MVA Rider not available

CA, NJ

Surrender charges do not renew

CA, CT, NC, NJ, OK, VT

Nursing home rider not available

MA, WA

Terminal illness rider not available

MA, ME

1 year fixed rate renewal after initial guarantee period if client elected

Global Atlantic SecureFore Not in NY

Liberty Bankers Life

Bankers Elite (non liquid)

Not in DE, MN, NH, NY

Through Capitol Life in AK, AL, DC, HI, MA, ME, MI, MO, TX, VT

Bankers Accumulator (1 year)

Not in CA, DE, MT, NY

Through Capitol Life in AL, MN, MO

*Maximum Issue Ages:

Elite Series

CA and FL: 75 for 3 and 5 year, 70 for 7 year, 65 for 9 year

Bankers Series

OK: 85 for all 3 5 year products

Mutual of Omaha Ultra-Secure Plus Not in MT, or NY Ultra-Premier Not in NY, CA, DE, or MT

TX, NV

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