Top 10 Page

Rates as of: 10/16/2026(To print the Top 10, please use the PDF version)
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	Top Choice 5	Multi-Select 6	Multi-Select 10
Average Annual Yield	5.10%é	6.10%	5.90%	5.70%	6.10%é	6.15%	6.00%	5.75%	5.95%	5.95%
Initial Period Yield	5.10%	6.10%	5.90%	5.70%	6.10%	6.15%	6.00%	5.75%	5.95%	5.95%
Minimum Amount	$100,000	$10,000	$10,000	$1,000	$100,000	$10,000	$5,000	$10,000	$20,000	$20,000
New Rate-Effective Date	09/30/2026	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 10/19/2026				6.15% on 10/19/2026
Rate on Other Amounts	4.75% on Premiums $20,000 - $99,999	eApp Only	Death Benefit Rider Cost - 0.25%	5.83% Effective Rate w/ 0.60% Loyalty Bonus No W/D excRMD	5.75% on Premiums $20,000 - $99,999	Optional Liquidity Riders available with Lower Rate	Optional Liquidity Riders available with Lower Rate	5.85% on Internal Exchanges
EAY Incl Non-Forfeitable Bonus on Prem. Received
Rate Guarantee Period	2 Years	3 Years	3 Years	5 Years	5 Years	5 Years	5 Years	5 Years	6 Years	10 Years
Planned Banded Base Rate	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	2.40%	0.10%	2.40%	1.00%	2.40%	2.65%	1.00%	1.00%	1.00%	1.00%
After IP - Rate Subject To	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed
Funds Investment Type	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA
FREE Annual Withd'l Amt	10% of Prev Yr Ann Value(Yr2+)	Option -0.10% RMD or Interest	100% Interest	10% of Prev Yr Ann Value(Yr2+)	10% of Prev Yr Ann Value(Yr2+)	Option -0.10% 5%PAV(Yr2+)	Option RMD or Interest	100% Interest	10% of Prev Yr Ann Value(Yr2+)	10% of Prev Yr Ann Value(Yr2+)
RMD Rider Included	Yes (Yr 2+)	Option -0.10%	Yes (Yr 2+)	Yes (Yr 2+)	Yes (Yr 2+)	Option -0.10%	Option -0.05%	Yes	Yes (Yr 2+)	Yes (Yr 2+)
Monthly Income Checks	Yes (Yr 2+) ($500 min)	N/A	Yes ($100 min)	Yes (Yr 2+)	Yes (Yr 2+) ($500 min)	Option -0.10% ($100 min)	Option -0.10% ($100 min)	Yes ($125 min)	Yes ($100 min)	Yes ($100 min)
Surrender Charges for Year	0-89	0-90(Q85)	0-90	0-90	0-89	0-95	0-90	0-90	0-85	0-85
1 2 3 4 5 6 7 8 9 10	MVA+9% MVA+8%	MVA+9% MVA+8% MVA+7%	MVA+10% MVA+9% MVA+8%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+5% MVA+5% MVA+5% MVA+5% MVA+5%	MVA+10% MVA+9% MVA+8% MVA+7% MVA+6% MVA+5%	MVA+10% MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% MVA+2% MVA+1%
Penalty Applied from DateOf	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Cont/Renew	Contract	Cont/Renew	Cont/Renew
Action Req'd End of Period	RRR	RRR	RRR	RRR	RRR	RRR	RRR	NONE	RRR	RRR
PenaltyWaived-PayOutOver	Life	5/10 Years	5 Years	5 Years w/MVA	Life	NO	NO	5 Years	10 Years	10 Years
PenaltyWaived @ Death	Owner	Option -0.10%	Option -0.25%	Owner	Owner	Option -0.25%	N/A Sp/Cont Avail	Owner	Owner	Owner
Annual Fees	NONE	NONE	NONE	NONE	NONE	NONE	NONE	NONE	NONE	NONE
Additional Premium Allowed	NO	NO	NO	NO	NO	NO	NO	NO	NO	NO
Max. Issue Age - Owner	89	90(Q85)	90	90	89	95	90	90	85	85
- Annuitant	89	90(Q85)	90	90	89	95	90	90	85	85
Days Rate Held on Rollovers	AppDate+60	HO Rec+60	AppDate+45	Chg+30days	AppDate+60	AppDate+60	HO Rec+45	HO Rec+60	HO Rec+60	HO Rec+60
Free Look Period	30 Days	30 Days	30 Days	30 Days	30 Days	30 Days	30 Days	20 Days	30 Days	30 Days
Rating -A.M.Best	A-	B++	NR-1	B++	A-	B++	B++*	A-*	A*	A*
Company Assets(in Millions)	$179	$1,969	$489	$5,897	$179	$1,970	$341	$768	$2,871	$2,871
Year Company Founded	2013	1980	1912	1960	2013	1997	1965	1924	1968	1968
Home Office	OK City OK	Urbandale IA	Oxford MS	Lincoln NE	OK City OK	Knoxville TN	Independence MO	Houston TX	Phoenix AZ	Phoenix AZ
Insurance Company Type	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve
Ultimate Parent Company	Wheaton Mgmt LLC	Spartan Ins. Holdings	Upstream Holdings, Inc	Midas Parent LP	Wheaton Mgmt LLC	Arrowhead Capital Group	Heartland National	New Era Enterprises	U-Haul Holding Co	U-Haul Holding Co
Rate History on New Prem
10/25	5.00%	5.65%	6.00%	5.55%	5.70%			5.60%	5.15%	5.15%
11/25	5.00%	5.65%	6.00%	5.55%	5.70%			5.65%	5.15%	5.15%
12/25	5.00%	5.55%	6.00%	5.55%	5.80%			5.65%	5.40%	5.15%
01/26	5.00%	5.55%	6.00%	5.55%	5.70%			5.65%	5.40%	5.15%
02/26	5.00%	5.55%	6.00%	5.55%	5.70%			5.65%	5.40%	5.15%
03/26	5.00%	5.55%	6.00%	5.55%	5.65%	New Design		5.75%	5.15%	5.15%
04/26	5.00%	5.55%	6.00%	5.55%	5.65%	6.00%		5.75%	5.55%	5.15%
05/26	5.00%	5.55%	5.90%	5.45%	5.70%	6.00%		5.65%	5.55%	5.15%
06/26	5.00%	5.55%	5.90%	5.45%	5.70%	6.00%	New Annuity	5.65%	5.70%	5.35%
07/26	5.00%	5.55%	5.90%	5.45%	5.70%	6.00%	6.10%	5.75%	5.70%	5.35%
08/26	5.00%	5.85%	5.90%	5.45%	5.80%	6.00%	6.10%	5.75%	5.85%	5.55%
09/26	5.10%	6.00%	5.90%	5.70%	5.90%	6.00%	6.10%	5.75%	5.85%	5.80%
10/26	5.10%	6.10%	5.90%	5.70%	6.10%	6.15%	6.15%	5.75%	6.35%	6.35%