Top 10 Page

Rates as of: 2/07/2012 (To print the Top 10, please use the PDF version)
Insurance Company	New Era Life New Era MW Phil Amer	Guggenheim Life & Annuity	American Equity	LibertyBankers Capitol Life	New Era Life New Era MW Phil Amer	Sentinel Security Life		*Western Bankers Life	Guggenheim Life & Annuity	LibertyBankers Capitol Life		Sentinel Security Life
Name of Annuity	SecChoice3	Preserve MYG	Guarantee5	Bankers 5 Premier	SecChoice5	PersonalChoice5		SPDA-5	Preserve MYG	Bankers 7 Premier		PersonalChoice10
Projected Average Yield	2.45%	2.35%	2.60%	3.00%	2.90%	3.60%ê		3.00%	3.20%	3.30%		4.00%ê
Effective Annual Yield	2.45%	2.35%	2.60%	3.00%	2.90%	3.60%		3.00%	3.20%	3.30%		4.00%
Minimum Amount	$10,000	$10,000 ($5,000 Q)	$10,000	10,000	$10,000	$2,500		$5,000	$10,000 ($5,000 Q)	10,000		$2,500
New Rate-Effective Date	Effective 11/01/2011	Effective 11/01/2011	Effective 2/07/2012	Effective 8/19/2011	Effective 11/01/2011	Effective 1/1/2012		Effective 8/23/2011	Effective 11/01/2011	Effective 8/19/2011		Effective 1/1/2012
New Rate- Effective Date						Optional Riders Available with Lower Rate 02/13/12 3.45%						Optional Riders Available with Lower Rate 02/13/12 3.85%
EAY Incl Non-Forfeitable Bonus on Prem. Received
Rate Guarantee Period	3 Years	4 Years	5 Years	5 Years	5 Years	5 Years		5 Years	6 Years	7 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	2.00%	1.00%	2.00%	1.00%	2.00%	1.00%		1.50%	1.00%	1.00%		1.00%
After IP - Rate Subject To	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed		Fixed	Fixed	Fixed		Fixed
Funds Investment Type	CD Type	CD Type	CD Type	CD Type	CD Type	CD Type		CD Type	CD Type	CD Type		CD Type
FREE Annual Withd'l Amt	100% Interest	10% per yr Ann Value	100% Interest	100% Interest	100% Interest	Option Rider		100% Interest	10% per yr Ann Value	100% Interest		Option Rider
Free Withdrawal Per Year	12	1	1	2	12	Option		1	1	2		Option
Monthly Income Checks	Yes ($125 min)	No	Yes	Yes ($100 min)	Yes ($125 min)	Option		Yes ($100 min)	No	Yes ($100 min)		Option
Surrender Charges for Year						0-59	60+			0-55	56+	0-59	60%
1 2 3 4 5 6 7 8 9 10	5% 5% 5%	MVA+7% MVA+6% MVA+5% MVA+4%	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%	MVA+8% MVA+7% MVA+6% MVA+5% MVA+4%	9% 8% 7% 6% 5% * Bankers Life in Texas DBA Western Bankers Life	MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% MVA+2%	MVA+12.4% MVA+11.5% MVA+10.5% MVA+8.5% MVA+6.5% MVA+5.5% MVA+4.5%	MVA+8.1% MVA+7.1% MVA+6.1% MVA+5.1% MVA+4.5% MVA+3.5% MVA+2.5%	MVA+9% MVA+8% MVA+7% MVA+6% MVA+5% MVA+5% MVA+5% MVA+5% MVA+5% MVA+5%	MVA+8% MVA+7% MVA+6% MVA+5% MVA+4% MVA+3% MVA+2% MVA+1% MVA+0% MVA+0%
Penalty Applied from DateOf	Contract	Cont/Renew	Cont/Renew	Contract	Contract	Cont/Renew		Contract	Cont/Renew	Contract		Cont/Renew
Action Req'd End of Period	NONE	RRR	RRR	NONE	NONE	RRR		NONE	RRR	NONE		RRR
PenaltyWaived-PayOutOver	5 Years	IG+5/10 yrs	Life/2xSur	NO	5 Years	No		5 Years	IG+5/10 yrs	NO		No
PenaltyWaived @ Death	Owner	Owner	A/O-CoPrac	Annuitant	Owner	Option		Annuitant	Owner	Annuitant		Option
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	100	90	80	90	90	90		100	90	85		90
- Annuitant	100	90	80	90	90	90		85	90	85		90
Days Rate Held on Rollovers	HO Rec+60	Chg+45days	Chg+15days	HO Rec+45	HO Rec+60	Chg+45days		Chg+45days	Chg+45days	HO Rec+45		Chg+45days
Rating -A.M.Best	B+* g	NR	A-g*	B-u* (LBC) NR-2 (CLI)	B+* g	B++		B	NR	B-u* (LBC) NR-2 (CLI)		B++
- Standard & Poor's	Bpi		BBB+*		Bpi
Company Assets(in Millions)	$356	$5,479	$23,850	$1232	$356	$56		$78	$5,479	$1,232		$56
Year Company Founded	1924	1985	1981	1957	1924	1948		1973	1985	1957		1948
Home Office	Houston TX	Indianapolis IN	WDesMoines IA	OK City OK	Houston TX	Salt Lake City UT		St. Petersburg FL	Indianapolis IN	OK City OK		Salt Lake City UT
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	New Era Enterprises	Guggenheim Partners, LLC	Amer Equity Investment	Realty Advisors Inc	New Era Enterprises	Sentinel Security Life		Bankers Int'l Fin. Corp, Ltd	Guggenheim Partners, LLC	Realty Advisors Inc		Sentinel Security Life
Rate History on New Prem
2/11	3.05%		3.15%	3.40%	3.50%			3.25%		4.00%
3/11	3.05%		3.15%	3.40%	3.50%			3.25%		4.00%
4/11	3.00%		3.15%	3.40%	3.40%			3.25%		4.00%

5/11	3.00%		3.15%	3.40%	3.40%			3.25%		4.00%
6/11	2.90%		3.15%	3.40%	3.30%			3.25%		3.65%
7/11	2.90%		3.15%	3.40%	3.30%	New Annuity		3.25%		3.65%		New Annuity
8/11	2.90%		3.15%	3.30%	3.30%	3.75%		3.25%		3.55%
4.15%
9/11	2.50%		2.90%	3.00%	2.90%	3.75%		3.00%		3.30%
4.15%
10/11	2.35%	New Annuity	2.90%	3.00%	2.75%	3.75%		3.00%	New Annuity	3.30%
4.15%
11/11	2.45%	2.35%	2.90%	3.00%	2.90%	3.75%		3.00%	3.20%	3.30%
4.15%
12/11	2.45%	2.35%	2.90%	3.00%	2.90%	3.75%		3.00%	3.20%	3.30%
4.15%
1/12	2.45%	2.35%	2.90%	3.00%	2.90%	3.60%		3.00%	3.20%	3.30%
4.00%
2/12	2.45%	2.35%	2.90%	3.00%	2.90%	3.60%		3.00%	3.20%	3.30%
4.00%