Rates as of 04/01/2022

“Top 10”

Carpenter Enterprises, LLP

Subject to Change Without Notice!

P. O. Box 878

Wimberley, TX 78676

512-847-2433 or 1-800-955-2433

[email protected]

Insurance Company

SILAC

Insurance Company

Guaranty

Income

Life

Pacific

Guardian

Life

Atlantic

Coast

Life

Guaranty

Income

Life

New Era &

Phil Amer &

NewEra MW

Pacific

Guardian

Life

Sentinel

Security

Life

Western
United
Life

Atlantic

Coast

Life

Name of Annuity

SecSavElite2

GuarRateLock3

Diamond Head 4

Safe Haven 5

GuarRateLock5

SecureChoice5

Diamond Head 5

PersonalChoice5

NavigatorUltra5

Safe Haven 10

Policy Form Number

ICC17 MYGA

GI-MYGA02

ICC21-MYGA21

aclanhaven-tx

GI-MYGA02

A-0045

ICC21-MYGA21

SSLANPOL11-TX

ICC20WUNVU5

aclanhaven-tx

Average Annual Yield

2.15%

2.75%

2.90%

3.10%

3.25%

3.20%

3.15%

3.25%

Rate Guarantee Period

2 Years

3 Years

4 Years

5 Years

5 Years

5 Years

10 Years

Minimum Non-Qualified

$10,000

$100,000

$10,000

$5,000

$100,000

$10,000

$2,500*

$10,000

$5,000

Amount Qualified

$10,000

$100,000

$10,000

$5,000

$100,000

$10,000

$2,500*

$10,000

$5,000

Initial Period Rate

2.15%

2.75%

2.90%

3.90%

3.25%

3.20%

3.15%

4.15%

Other Rate Information

Optional

2.65%

2.90%

3.15%

3.30%

Optional

3.15%

Liquidity

Rate For

Years 2-5

Rate For

Liquidity

Years 2-10

Riders

Premiums

Opt. Liquidity

Premiums

Internal

Riders

Opt. Liquidity

available with

$10K-$99,999

Riders available

$10K-$99,999

Exchanges

available with

Riders available

Lower Rate

With Lower Rate

Only

Lower Rate

With Lower Rate

v New Rate Effective Date

New Average Annual Yield

Minimum Rate After InitPer

1.00%

0.50%

0.15%

1.00%

0.50%

2.00%

0.15%

1.00%

After IP – Rate Subject To

Fixed

AnnuityFund InvestmentType

MYGA

FREE Annual Withdrawal

Option

Rider

5% Prev Yr
Anniv Value

10% of
Acct Value

100%

Interest

5% Prev Yr
Anniv Value

100%

Interest

10% of
Acct Value

Option

Rider

None

Option

Rider

Free Withdrawals Per Year

Option

None

Option

Monthly Income Checks

Option

Yes

Option

($100 min)

($250 min)

($100 min)

($250 min)

($125 min)

($100 min)

Type of Funds Accepted:

Non-Qualified

IRA-SEP-Roth

IRA-Roth

IRA-SEP-Roth

IRA-Roth

IRA-SEP

IRA-SEP-Roth

Issue Ages:

18 – 85

0 – 100

18 – 85

0-59 60-90

0 – 100

0 – 90

18 – 85

0-59 60-90

0 – 75

0-59 60-90

Surrender Penalty Charges

MVA +

Year 1

10%

9% 8%

10%

9% 8%

8% 7%

7% 6%

6% 5%

5% 4%

5% 3%

New Name

Rate is with

5% 2%

for

Accumulated

Minimum Amt

5% 1%

Equitable

Int. Withdrawal

$10,000(Paper)

5% 0%

Life

Rider (-0.05%)

$2,500(e-App)

5% 0%

Penalty Applied from Date of

Cont/Renew

Contract

Cont/Renew

Contract

Cont/Renew

Action Req’d End of Period

RRR

NONE

RRR

NONE

RRR

PenaltyWaivedw/PayOutOver

5 Years

PenaltyWaived @ Death of

Owner

Option

Owner

Option

UpFront Charges/Annual Fees

NONE

Additional Premium Allowed

Days Rate Held on Transfers

AppDate+60

HO Rec+45

HO Rec+60

Chg+45days

HO Rec+45

HO Rec+60

Chg+45days

HO Rec+60

Chg+45days

Free Look Period

30 Days

21 Days

30 Days

20 Days

30 Days

21 Days

20 Days

21 Days

A.M. Best Rating

B+

B++

Company Assets (in Millions)

$6,779

$3,458

$595

$1,077

$3,458

$631

$595

$858

$1,473

$1,077

Year Company Founded

1935

1926

1962

1925

1926

1924

1962

1948

1963

1925

Insurance Company Type

Legal Reserve

Home Office

Salt Lake City

BatonRouge

Honolulu

Charleston

BatonRouge

Houston

Honolulu

Salt Lake City

Spokane

Charleston

INTEREST

RATE

HISTORY

ON

NEW

PREMIUM

Ultimate Parent Company

SILAC, LLC

Kuvare Holdings LP

Meji Yasuda Life

Advantage Capital

Kuvare Holdings LP

New Era

Enterprises

Meji Yasuda Life

Advantage Capital Partners

Manhattan

Life Group

Advantage Capital

05/21

2.15%

3.55%

2.50%

3.00%

2.80%

2.90%

3.90%

06/21

2.15%

2.00%

3.75%

2.50%

3.00%

2.90%

4.10%

07/21

2.15%

2.00%

3.75%

2.50%

3.00%

2.90%

4.10%

08/21

2.15%

2.00%

3.75%

2.70%

3.00%

2.90%

4.10%

09/21

2.15%

2.00%

3.75%

2.70%

3.00%

2.90%

4.10%

10/21

2.15%

2.00%

NewAnnuity

3.75%

2.70%

3.00%

NewAnnuity

3.00%

2.90%

4.10%

11/21

2.15%

2.00%

2.60%

3.90%

2.70%

3.00%

2.75%

3.15%

2.90%

4.15%

12/21

2.15%

2.00%

2.60%

3.90%

2.70%

3.10%

2.75%

3.15%

2.90%

4.15%

01/22

2.15%

2.00%

2.60%

3.90%

2.70%

3.10%

2.85%

3.15%

2.90%

4.15%

02/22

2.15%

2.30%

2.75%

3.90%

3.00%

3.10%

3.00%

3.15%

3.00%

4.15%

03/22

2.15%

2.60%

2.75%

3.90%

3.00%

3.10%

3.00%

3.15%

3.00%

4.15%

04/22

2.15%

2.75%

2.90%

3.90%

3.25%

3.20%

3.15%

4.15%

v New Rate Effective Date – Applications received in the Ins. Co. Home Office On or After that date will receive the new rate.

FISHER ANNUITY INDEX

04/01/2022

Average Rates for Multi-Year Guarantee Annuities (MYGA)
Averages and Number of Annuities count each band/tier as a separate annuity for this summary.

Years

# of Companies

# of Annuities

133

117

Current Avg

1.00%

1.80%

2.25%

2.42%

2.58%

2.49%

2.53%

2.74%

2.92%

2.72%

1 Week Ago

1.00%

1.80%

2.20%

2.26%

2.53%

2.38%

2.48%

2.66%

2.92%

2.72%

4 Weeks Ago

1.00%

1.80%

2.11%

2.20%

2.48%

2.33%

2.45%

2.60%

2.89%

2.70%

12 Weeks Ago

1.00%

1.80%

1.75%

1.73%

2.11%

1.93%

2.07%

2.16%

2.60%

2.38%

52 Weeks Ago

1.25%

1.88%

1.66%

1.53%

1.95%

1.80%

1.92%

1.96%

2.39%

2.18%

Insurance Companies on the Top 10

Company	Mail Address	City	State	Zip Code	Phone	Web Site
Atlantic Coast Life Insurance Company	1405 West 2200 South	Salt Lake City	UT	84119	844-442-3847	www.ACLICO.com
SILAC Insurance Company (new name for Equitable Life & Casualty)	299 South Main Street #1100	Salt Lake City	UT	84111	800-352-5150	www.SILACIns.com
Guaranty Income Life Insurance Company	5801 SW 6^th Ave	Topeka	KS	66636-1001	833-444-5426	www.GILICO.com
New Era Life Insurance Company	11720 Katy Freeway #1700	Houston	TX	77079-2663	877-368-4692	www.NewEraLife.com
New Era Life Insurance Co. of the Midwest	11720 Katy Freeway #1700	Houston	TX	77079-2663	877-368-4692	www.NewEraLife.com
Philadelphia American Life Insurance Co.	11720 Katy Freeway #1700	Houston	TX	77079-2663	877-368-4692	www.NewEraLife.com
Pacific Guardian Life Insurance Company	1440 Kapiolani Blvd #1700	Honolulu	HI	96814	800-367-5354	www.PacificGuardian.com
Sentinel Security Life Insurance Company	1405 West 2200 South	Salt Lake City	UT	84119	800-247-1423	www.sslco.com
Western United Life Assurance Company	929 W Sprague Ave	Spokane	WA	99210-2217	800-247-2045	www.WULA.com

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 1^st contract year.
FREE WITHDRAWALS PER YEAR: The number of times per year money may be withdrawn without surrender charges.
(Examples) 1 or 2	– 1 to 2 Times OR Monthly Checks. Normally for a certain minimum amount. May also be paid quarterly.
MVA: 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.
MYGA (aka “CD” Type)	– Multi Year Guarantee Annuity: 100% of the value is 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.
	Remove	– Surrender for cash value.
	Rollover	– 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.)