| Insurance Company | LibertyBankers Capitol Life | New Era Life New Era MW Phil Amer | Guaranty Income | American Equity | LibertyBankers Capitol Life | New Era Life New Era MW Phil Amer | Old Mutual Financial | Royal Neighbors | Guaranty Income | LibertyBankers Capitol Life | |
| Name of Annuity | Bankers 1 | SecChoice3 | Choice 4 | Guarantee5 | Bankers Premier | SecChoice5 | GuarPlatinum5 | NeighborsChoice | UltraFlex 7 | Bankers 7 | |
| Projected Average Yield | 1.20% | 3.05% | 3.00% | 3.15% | 3.40% | 3.50% | 3.10% | 3.25% | 3.44% | 3.35% | |
| Effective Annual Yield | 1.20% | 3.05% | 3.00% | 3.15% | 3.40% | 3.50% | 3.10% | 3.25% | 6.10% | 3.35% | |
| Minimum Amount | 10,000 | $10,000 | $5,000 | $10,000 | 10,000 | $10,000 | $5,000 ($2,000 Q) | $10,000 | Year 1 $5,000 ($2,000 Q) | 10,000 | |
| New Rate-Effective Date | Effective 9/06/10 | Effective 9/01/10 | Effective 9/01/10 | Effective 9/03/10 | Effective 9/06/10 | Effective 9/01/10 | Effective 9/01/10 | Effective 9/01/10 | Effective 9/01/10 | Effective 9/06/10 | |
| New Rate- Effective Date | |||||||||||
| EAY Incl Non-Forfeitable Bonus on Prem. Received | |||||||||||
| Rate Guarantee Period | 1 Year | 3 Years | 4 Years | 5 Years | 5 Years | 5 Years | 5 Years | 5 Years | 1 Year | 7 Years | |
| Planned Banded Base Rate | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.00% | N/A | |
| Bail-Out Interest Rate | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | |
| Rate Guarantee After Initial Period | |||||||||||
| Minimum Rate Guarantee | 1.00% | 2.00% | 3.00% | 2.00% | 1.00% | 2.00% | NAIC/1.50% | 3.00% | 3.00% | 1.00% | |
| After IP - Rate Subject To | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Float | Fixed | |
| Funds Investment Type | CD Type | CD Type | CD Type | CD Type | CD Type | CD Type | CD Type | CD Type | Portfolio | CD Type | |
| FREE Annual Withd'l Amt | 100% Interest | 100% Interest | 100% Interest | 100% Interest | 100% Interest | 100% Interest | 100% Interest | 100% Interest | 10% PYE Val /100% Int | 100% Interest | |
| Free Withdrawal Per Year | 2 | 12 | 2 | 1 | 2 | 12 | 4 | 1 | 2 | 2 | |
| Monthly Income Checks | Yes | Yes ($125 min) | Yes ($100 min) | Yes | Yes | Yes ($125 min) | MoInt Only | Yes $20K+ | Yes ($200 min) | Yes | |
| Surrender Charges for Year | 0-55 | 56+ | |||||||||
| 1 2 3 4 5 6 7 8 9 10 | 5% | 3% 3% 3% | 8% 7% 6% 5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | MVA+8.0% MVA+7.0% MVA+6.0% MVA+5.5% MVA+4.5% | 5% 5% 5% 5% 5% | MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% | 8.5% 7.5% 7.0% 6.0% 4.0% | 9% 8% 7% 6% 5% 4% 3% | MVA+12% MVA+11% MVA+10% MVA+8% MVA+6% MVA+5% MVA+4% | MVA+8.0% MVA+7.0% MVA+6.0% MVA+5.0% MVA+4.5% MVA+3.5% MVA+2.5% |
| Penalty Applied from DateOf | Contract | Contract | Contract | Cont/Renew | Contract | Contract | Cont/Renew | Contract | Contract | Contract | |
| Action Req'd End of Period | NONE | NONE | NONE | RRR | NONE | NONE | RRR | NONE | NONE | NONE | |
| PenaltyWaived-PayOutOver | NO | 5 Years | 5 Years | Life/2xSur | NO | 5 Years | 5 Years | NO | 5 Years | NO | |
| PenaltyWaived @ Death | Annuitant | Owner | Owner | A/O-CoPrac | Annuitant | Owner | Owner -TX | Annuitant | Owner | Annuitant | |
| Annual Fees | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE | NONE | |
| Additional Premium Allowed | NO | NO | NO | NO | NO | NO | NO | 1st 90 Days | YES $200+ | NO | |
| Max. Issue Age - Owner | 95 | 100 | 100 | 80 | 90 | 90 | 90 | 99 | 79 | 85 | |
| - Annuitant | 95 | 100 | 100 | 80 | 90 | 90 | 89 | 85 | 79 | 85 | |
| Days Rate Held on Rollovers | HO Rec+45 | HO Rec+60 | Chg+45days | Chg+15days | HO Rec+45 | HO Rec+60 | App Date +60 | Chg+35days | Chg+45days | HO Rec+45 | |
| Rating -A.M.Best | B-* (LBC) NR-2 (CLI) | B+* g | B | A-g* | B-* (LBC) NR-2 (CLI) | B+* g | B++ | A- | B | B-* (LBC) NR-2 (CLI) | |
| - Standard & Poor's | BBpi | BBB+* | BBpi | BB+* | NR | ||||||
| Company Assets(in Millions) | $1,042 | $322 | $466 | $17,791 | $1,042 | $322 | $16,830 | $726 | $466 | $1,042 | |
| Year Company Founded | 1957 | 1924 | 1926 | 1981 | 1957 | 1924 | 1959 | 1895 | 1926 | 1957 | |
| Home Office | OK City OK | Houston TX | BatonRouge LA | WDesMoines IA | OK City OK | Houston TX | Baltimore MD | Rock Island IL | BatonRouge LA | OK City OK | |
| Insurance Company Type | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Legal Reserve | Fraternal | Legal Reserve | Legal Reserve | |
| Ultimate Parent Company | Realty Advisors Inc | New Era Enterprises | Guaranty Corporation | Amer Equity Investment | Realty Advisors Inc | New Era Enterprises | Old Mutual, plc London | Royal Neighbors | Guaranty Corporation | Realty Advisors Inc | |
| Rate History NewPrem9/09 10/09 11/09 12/09 1/10 2/10 3/10 4/10 5/10 6/10 7/10 8/10 9/10 | 2.00% 2.00% 2.00% 1.75% 1.75% 1.75% 1.75% 1.75% 1.75% 1.75% 1.75% 1.50% 1.50% | 3.70% 3.45% 3.45% 3.35% 3.35% 3.35% 3.40% 3.40% 3.40% 3.30% 3.20% 3.15% 3.05% | 3.75% 3.50% 3.50% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.15% 3.05% 3.05% 3.00% | 4.00% 4.00% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.25% | 4.20% 4.20% 4.20% 3.95% 3.95% 3.95% 3.95% 4.00% 4.00% 4.00% 3.75% 3.60% 3.60% | 4.10% 3.85% 3.85% 3.75% 3.75% 3.75% 3.80% 3.80% 3.85% 3.75% 3.65% 3.60% 3.50% | 2.70% 2.50% 2.50% 2.50% 3.20% 3.20% 3.50% 3.25% 3.25% 3.25% 3.50% 3.25% 3.25% | 3.95% 3.75% 3.65% 3.65% 3.50% 3.50% 3.50% 3.75% 3.75% 3.75% 3.50% 3.50% 3.25% | 7.75% 7.50% 7.50% 7.30% 7.30% 7.30% 7.30% 7.30% 7.30% 7.10% 7.00% 6.30% 6.10% | 4.25% 4.25% 4.25% 4.00% 4.00% 4.00% 4.00% 4.05% 4.05% 4.05% 3.85% 3.50% 3.50% | |