| FORMAT [Instructions] |  Top 10 in Microsoft Word format |  Top 10 in Acrobat PDF format |  Top 10 Front Page as Web Page |
| Required Program | Microsoft Word 97 or Get Word Viewer | Adobe Acrobat or Get Adobe Reader | None |
| Recommended for | Quality Printing | Fast Printing | Quick Viewing /Feature Description |
| Insurance Company/ | AmFirst Insurance Company | Revol One Financial | Upstream Life | American Life & Security | AmFirst Insurance Company | Farmers Life Insurance | Heartland National Life | New Era Life New Era MW Phil Amer | Oxford Life | Oxford Life |
| Name of Annuity | WaypointMYGA2 | DirectGrowth3 | SecureLegacy3 | AmericanClassic5 | WaypointMYGA5 | Safeguard+5 | SecureRatePro5 | TopChoice5 | Multi-Select 6 | Multi-Select10 |
| Projected Average Yield | 5.10%é | 6.10% | 5.90% | 5.70% | 6.10%é | 6.15% | 6.00% | 5.75% | 5.95% | 5.95% |
| Rate Guarantee Period | 2 Years | 3 Years | 3 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 6 Years | 10 Years |
| Initial Rate | 5.10% | 6.10% | 5.90% | 5.70% | 6.10% | 6.15% | 6.00% | 5.75% | 5.95% | 5.95% |
| Minimum Amount | $100,000 4.75% $20,000- $99,999 | eApp Only $10,000 | Death Benefit Rider Cost - 0.25% $10,000 | 5.83% Effective Rate w/ 0.60% Loyalty Bonus No W/D excRMD $1,000 | $100,000 5.75% $20,000- $99,999 | Optional Liquidity Riders Available with Lower Rate $10,000 | Optional Liquidity Riders Available with Lower Rate $5,000 | 5.85% Rate for Internal Exchanges Only $10,000 | $20,000 | $20,000 |
| Effective Date | 09/10/2026 | 10/01/2026 | 04/15/2026 | 08/07/2026 | 09/30/2026 | 09/10/2026 | 10/16/2026 | 07/01/2026 | 10/15/2026 | 10/15/2026 |
| New Rate- Effective Date | 5.15% on 10/16/2026 | 6.15% on 10/16/2026 | ||||||||
| Surrender Length | 2 | 3 | 3 | 5 | 5 | 5 | 5 | 5 | 6 | 10 |
The Annuities listed in the Top 10 are approved in Texas. Rates and features are applicable for Texas. The annuities may not be approved in other states.