“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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