“Top 10” 13140 Coit Road, Suite 102
Rates as of: 10/18/2021
"Top 10"
Subject to Change Without Notice!
THE FISHER AGENCY
13140 Coit Road, Suite 102 Dallas, TX 75240-5797
972-238-1450 800-822-1450
Danny@
Insurance Company
Name of Annuity Policy Form Number
S I L A C New Era & Atlantic
Liberty New Era & Sentinel Western Western Atlantic
Atlantic
Insurance Phil Amer & Coast Bankers & Phil Amer & Security
United
United
Coast
Coast
Company NewEra MW Life Capitol Life NewEra MW Life
Life
Life
Life
Life
SecSavElite2 SecureChoice3 SafeHaven 5 BankersElite5 SecureChoice5 PersonalChoice5 NavigatorElite5 NavigatorUltra5 SafeHaven 7 SafeHaven 10
ICC17 MYGA
A-0043 ACLANHAVEN-TX BankersElite112 A-0045 SSLANPOL11-TX ICC20WUNVE5 ICC20WUNVU5 ACLANHAVEN-TX ACLANHAVEN-TX
Average Annual Yield 2 . 1 5 % 2 . 3 5 % 3 . 1 0 % 2 . 7 5 % 3 . 0 0 % 3 . 1 5 % 2 . 7 5 % 2 . 9 0 % 3 . 1 9 % 3 . 2 5 %
Rate Guarantee Period 2 Years 3 Years 5 Years 5 Years 5 Years 5 Years 5 Years 5 Years 7 Years 10 Years
Minimum Non-Qualified $ 1 0 , 0 0 0 $ 1 0 , 0 0 0
Amount
Qualified $ 1 0 , 0 0 0 $ 1 0 , 0 0 0
$5,000 $5,000
$10,000 $10,000 $10,000 $10,000
$2,500 $2,500
$10,000 $10,000 $10,000 $10,000
$5,000 $5,000
$5,000 $5,000
Initial Period Rate
2.15% 2.35% 3.90% 2.75% 3.00% 3.15% 2.75% 2.90% 4.05% 4.15%
Other Rate Information
Optional 2 . 4 0 % 2 . 9 0 %
Liquidity Rate For Years 2-5
Riders
Internal Opt. Liquidity
available with Exchanges Riders available
Lower Rate
Only With Lower Rate
3 . 1 0 % Optional
Rate For Liquidity
Internal
Riders
Exchanges available with
Only
Lower Rate
3.05% 3.15%
Years 2-7 Years 2-10
Opt. Liquidity Opt. Liquidity Riders available Riders available With LowerRate With LowerRate
New Rate Effective Date
New Average Annual Yield Minimum Rate After InitPer After IP ? Rate Subject To
1.00% Fixed
2.00% Fixed
1.00% Fixed
1.00% Fixed
2.00% Fixed
1.00% Fixed
1.00% Fixed
1.00% Fixed
1.00% Fixed
1.00% Fixed
AnnuityFund InvestmentType
FREE Annual Withdrawal
Free Withdrawals Per Year Monthly Income Checks
MYGA
Option Rider
Option
Option ($100 min)
MYGA
100% Interest
12
Yes ($125 min)
MYGA
100% Interest
12
Yes ($100 min)
MYGA
None
0 N/A
MYGA
100% Interest
12
Yes ($125 min)
MYGA
MYGA
Option
10% per
Rider Contract Year
Option 1 (EFT Only)
Option
No
($100 min)
MYGA
None
None No
MYGA
Option Rider
Option
Option ($100 min)
MYGA
Option Rider
Option
Option ($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 IRA-SEP-Roth IRA-SEP-Roth IRA-SEP-Roth IRA-SEP-Roth IRA-SEP-Roth
Issue Ages:
1 8 ? 8 5 0 ? 1 0 0 0-59 60-90 0 ? 9 0
0 ? 9 0 0-59 60-90 0 ? 8 4
0 ? 7 5 0-59 60-90 0-59 60-90
Surrender Penalty Charges
MVA +
Year 1
9%
2
8%
3
4
5
6
7 New Name
8
for
9 Equitable
10
Life
Penalty Applied from Date of Cont/Renew
Action Req'd End of Period R R R
PenaltyWaivedw/PayOutOver
NO
PenaltyWaived @ Death of
NO
UpFront Charges/Annual Fees N O N E
Additional Premium Allowed
NO
Days Rate Held on Transfers AppDate+60
Free Look Period
30 Days
MVA + 5% 5% 5%
Contract NONE 5 Years Owner NONE
NO HO Rec+60 20 Days
MVA + 9% 8% 8% 7% 7% 6% 6% 5% 5% 4%
Rate is with Accumulated Int. Withdrawal Rider (-0.05%) Cont/Renew
RRR NO
Option NONE
NO Chg+45days 21 Days
MVA + 7.9% 7.0% 6.2% 5.3% 4.4%
Contract NONE
NO NO NONE NO HO Rec+45 30 Days
MVA + 5% 5% 5% 5% 5%
MVA + 9% 8% 8% 7% 7% 6% 6% 5% 5% 4%
MVA + 8% 7% 6% 5% 4%
Contract NONE 5 Years Owner NONE
NO HO Rec+60 20 Days
Cont/Renew RRR NO Option NONE NO
Chg+45days 21 Days
Contract NONE
NO Annuitant NONE
NO HO Rec+60 20 Days
MVA + 9% 8% 7% 6% 5%
Contract NONE
NO NO NONE NO HO Rec+60 20 Days
MVA +
MVA +
9% 8% 9% 8%
8% 7% 8% 7%
7% 6% 7% 6%
6% 5% 6% 5%
5% 4% 5% 4%
5% 3% 5% 3%
5% 2% 5% 2%
5% 1%
5% 0%
5% 0%
Cont/Renew Cont/Renew
RRR
RRR
NO
NO
Option
Option
NONE
NONE
NO
NO
Chg+45days Chg+45days
21 Days 21 Days
A.M. Best Rating
B+
B++
B++
A-
B++
B++
B+
B+
B++
B++
Company Assets (in Millions) $4,809
$626
$943
$2,278
$626
$776
$1,402
$1,402
$943
$943
Year Company Founded
1935
1924
1925
1957
1924
1948
1963
1963
1925
1925
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
Salt Lake City Houston Charleston OK City Houston Salt Lake City Spokane Spokane Charleston Charleston
UT
TX
SC
OK
TX
UT
WA
WA
SC
SC
Ultimate Parent Company SILAC, LLC New Era Advantage Liberty Life New Era Advantage Manhattan Manhattan Advantage Advantage
Enterprises Capital Group Trust Enterprises Capital Partners Life Group Life Group Capital
Capital
11/20 2.30%
2.55%
3.90%
3.00%
3.20%
3.15%
2.85%
3.10%
4.10%
4.25%
INTEREST RATE HISTORY ON NEW
PREMIUM
12/20 01/21 02/21 03/21 04/21 05/21 06/21
2.15% 2.15% 2.15% 2.15% 2.15% 2.15% 2.15%
2.55% 2.55% 2.45% 2.35% 2.35% 2.35% 2.35%
3.75% 3.75% 3.55% 3.55% 3.55% 3.55% 3.75%
3.00% 3.00% 3.00% 2.85% 2.80% 2.80% 2.80%
3.20% 3.20% 3.10% 3.00% 3.00% 3.00% 3.00%
3.00% 3.00% 2.80% 2.80% 2.80% 2.80% 3.00%
2.85% 2.85% 2.85% 2.85% 2.75% 2.75% 2.75%
3.10% 3.10% 3.10% 3.10% 3.00% 2.90% 2.90%
3.95% 3.95% 3.75% 3.75% 3.75% 3.75% 3.95%
4.10% 4.10% 3.90% 3.90% 3.90% 3.90% 4.10%
07/21 2.15%
2.35%
3.75%
2.80%
3.00%
3.00%
2.75%
2.90%
3.95%
4.10%
08/21 2.15%
2.35%
3.75%
2.80%
3.00%
3.00%
2.75%
2.90%
3.95%
4.10%
09/21 2.15%
2.35%
3.75%
2.75%
3.00%
3.00%
2.75%
2.90%
3.95%
4.10%
10/21 2.15%
2.35%
3.75%
2.75%
3.00%
3.00%
2.75%
2.90%
3.95%
4.10%
New Rate Effective Date ? Applications received in the Ins. Co. Home Office On or After that date will receive the new rate.
Form: SPDA
COPYRIGHT - FISHER PUBLISHING, INC. - 2021 - ALL RIGHTS RESERVED
FISHER ANNUITY INDEX
10/18/2021
Years # of Companies # of Annuities
AVERAGE RATES FOR MULTI-YEAR GUARANTEE ANNUITIES (MYGA)
Averages and Number of Annuities count each band/tier as a separate annuity for this summary.
1
2
3
4
5
6
7
8
9
1
2
36
9
53
14
39
7
7
1
3
84
32
129
42
112
18
13
CURRENT AVG
1 Week Ago 4 Weeks Ago 12 Weeks Ago 52 Weeks Ago
1.00%
1.00% 1.00% 1.00% 1.75%
1.88%
1.88% 1.88% 1.88% 1.98%
1.64%
1.63% 1.58% 1.62% 1.71%
1.59%
1.57% 1.47% 1.51% 1.52%
1.99%
1.98% 1.96% 1.99% 2.03%
1.81%
1.79% 1.71% 1.75% 1.77%
1.98%
1.97% 1.92% 1.94% 1.97%
1.99%
1.98% 1.97% 2.01% 1.90%
2.55%
2.55% 2.38% 2.47% 2.36%
10 21 39
2.23%
2.23% 2.25% 2.29% 2.24%
Company Atlantic Coast Life Insurance Company The Capitol Life Insurance Company Liberty Bankers Life Insurance Company S I L A C Insurance Company (new name for Equitable Life & Casualty) New Era Life Insurance Company New Era Life Insurance Co. of the Midwest Philadelphia American Life Insurance Co. Sentinel Security Life Insurance Company Western United Life Assurance Company
INSURANCE COMPANIES ON THE TOP 10
Mail Address
City
State Zip Code
1405 West 2200 South
Salt Lake City
UT 84119
5750 CR 225
Brownwood
TX 76801
5750 CR 225
Brownwood
TX 76801
299 South Main Street #1100 Salt Lake City
UT 84111
11720 Katy Freeway #1700 11720 Katy Freeway #1700 11720 Katy Freeway #1700 1405 West 2200 South 929 W Sprague Ave
Houston Houston Houston Salt Lake City Spokane
TX 77079-2663 TX 77079-2663 TX 77079-2663 UT 84119 WA 99210-2217
Phone
Web Site
844-442-3847
800-745-4927
800-745-4927
800-352-5150
877-368-4692 877-368-4692 877-368-4692 800-247-1423 800-247-2045
The description of all contracts shown as the "Top 10 Annuities" was furnished by the insurance companies to The Fisher Agency. If you have questions regarding any contract, please contact a representative of that insurance company or The Fisher Agency, who has been appointed as a representative of all insurance companies shown.
All Annuities Shown Are Approved In Texas, But May Not Be Approved In Other States!
A.M. Best Rating: Reflects their current opinion of the relative financial strength and operating performance of an insurance company in comparison to
the norms of the life/health insurance industry. The Best's Ratings are neither a warranty of an insurer's current or future ability to meet its contractual
obligations nor a recommendation of the company's insurance policies, policy provisions, policy suitability, rates or claims practices.
DEFINITIONS
INTEREST RATES: All rates shown are the Effective Annual Yields after the Nominal interest rate is credited and compounded daily.
AVERAGE ANNUAL YIELD: Average annual yield until surrender charge period expires or until initial guaranteed rate period expires.
MINIMUM RATE AFTER INITIAL GUARANTEED PERIOD: The rate of interest guaranteed after the initial rate period. Normally the minimum guaranteed rate for the lifetime of the contract.
BAIL OUT INTEREST RATE: Surrender charges will be waived for a period of time (usually 60 days) from each anniversary, during the surrender charge period, if the declared rate is below the Bail Out Rate as specified in the contract.
FREE ANNUAL WITHDRAWAL: The Amount available to be withdrawn per contract year without surrender charges. (Examples are shown below)
100% Interest ? All interest earned and/or accumulated in contract.
10% Ann Val ? Up to 10% of the previous year end accumulated annuity value after the 1st contract year.
FREE WITHDRAWALS PER YEAR: The number of times per year
money may be withdrawn without surrender charges.
(Examples) ? 1 to 2 Times OR Monthly Checks. Normally for a
1 or 2
certain minimum amount. May also be paid quarterly.
M V A : Market Value Adjustment may increase or decrease your annuity early surrender value. If interest rates have gone down since the issue date, your surrender value will be higher. If rates have gone up, your surrender value will be lower.
ANNUITY FUND INVESTMENT TYPE: Method company uses to
set rates during and/or after initial rate period.
M Y G A ? Multi Year Guarantee Annuity: 100% of the value is
(aka "CD" Type) available at the end of the initial guaranteed rate period or
end of penalty period, whichever occurs first.
Portfolio ? Pooled by type of annuity. All annuities of this type will
earn the same rate after the initial rate guarantee period.
Banded
? Pooled by rate and/or time period. Old annuities may earn
higher or lower rate than New annuities.
ACTION REQUIRED @ END OF SURRENDER CHARGE PERIOD:
NONE
? No action required by contract owner. Annuity will
automatically continue to earn interest. Surrender charge
will expire for the lifetime of the contract at the end of the
surrender charge period.
RRR
? Must choose one of the following options:
RENEW
? Annuity for a new period.
R E M O V E ? Surrender for cash value.
R O L L O V E R ? Transfer to a new annuity.
DAYS RATE HELD ON TRANSFERS: (From other Financial Institutions)
HO Rec + 60 ? Current rate will be held on transfers for 60 days from date forms are received in the insurance company home office.
Chg + 45 ? Rate will be held for 45 days from date of rate change.
PENALTY WAIVED w/PAY OUT OVER: (Example: Insurer will waive surrender penalties if Owner accepts a 5 year Fixed Period Payout Option.)
Insurance products and Annuities are not deposits of, or guaranteed by any bank and are not insured by the Federal Deposit Insurance Corporation or any other agency of the United States Government. All guarantees are subject to the financial strength of the issuing insurance company. All terms, definitions, policy benefits, costs, and limitations will vary depending on the insurance company and owner state of residence when contract is issued.
ANY COMPARISON SHOULD TAKE INTO CONSIDERATION ALL EXCLUSIONS AND LIMITATIONS CONTAINED IN EACH CONTRACT!
This form may NOT be reproduced, distributed, nor altered in any form without prior permission of the publisher!
COPYRIGHT - FISHER PUBLISHING, INC. - 2021 - ALL RIGHTS RESERVED
................
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