Rates as of 02/01/2024	“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	American Life & Security	Atlantic Coast Life	National Security Insurance	New Era & Phil Amer & NewEra MW	American Life & Security	Farmers Life Insurance	National Security Insurance	New Era & Phil Amer & NewEra MW	Atlantic Coast Life	Farmers Life Insurance
Name of Annuity	AmericanClassic3	Safe Haven 3	MYGA3	Top Choice 3	AmericanClassic5	Safeguard+5	MYGA5	Top Choice 5	Safe Haven 6	Safeguard+10
Policy Form Number	ICC18-MYGA	aclanhaven-tx	ICC22 N1-100	A-0063	ICC18-MYGA	ICC21 FLIC-CON	ICC22 N1-100	A-0065	aclanhaven-tx	ICC21 FLIC-CON
Average Annual Yield	5.65%	5.90%	5.75%	5.50%	5.70%	5.80%	5.85%	5.80%	5.62%	5.50%
Rate Guarantee Period	3 Years	3 Years	3 Years	3 Years	5 Years	5 Years	5 Years	5 Years	6 Years	10 Years
Minimum Non-Qualified	$1,000	$10,000	$25,000	$10,000	$1,000	$10,000	$25,000	$10,000	$10,000	$10,000
Amount Qualified	$1,000	$10,000	NQ Only	$10,000	$1,000	$10,000	NQ Only	$10,000	$10,000	$10,000
Initial Period Rate	5.65%	6.57%	5.75%	5.50%	5.70%	5.80%	5.85%	5.80%	6.45%	5.50%
Other Rate Information	5.81%	5.57%		5.55%	5.83%			5.90%	5.45%
	Effective Rate w/	Years 2-3		Rate For	Effective Rate w/			Rate For	Years 2-6
	0.45%	Opt. Liquidity		Internal	0.60%			Internal	Opt. Liquidity
	Loyalty Bonus	Riders available		Exchanges	Loyalty Bonus			Exchanges	Riders available
	No W/D exc RMD	With Lower Rate		Only	No W/D exc RMD			Only	With Lower Rate
v New Rate Effective Date
New Average Annual Yield
Minimum Rate After InitPer	1.00%	2.75%	3.00%	1.00%	1.00%	1.00%	3.00%	1.00%	2.75%	1.00%
After IP – Rate Subject To	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed	Fixed
AnnuityFund InvestmentType	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA	MYGA
FREE Annual Withdrawal	10% of Prev Yr Ann Value	Option Rider	10% of Acct Value	100% Interest	10% of Prev Yr Ann Value	100% Interest Annual Reset	10% of Acct Value	100% Interest	Option Rider	100% Interest Annual Reset
Free Withdrawals Per Year	1 (Yr2+)	Option	1 (Yr2+)	12	1 (Yr2+)	12	1 (Yr2+)	12	Option	12
Monthly Income Checks	Yes (Yr2+)	Option	N/A	Yes	Yes (Yr2+)	Yes	N/A	Yes	Option	Yes
		($100 min)		($125 min)		($100 min)		($125 min)	($100 min)	($100 min)
Type of Funds Accepted:	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified	Non-Qualified
	IRA-SEP-Roth	IRA-SEP-Roth	Only	IRA-SEP	IRA-SEP-Roth	IRA-SEP-Roth	Only	IRA-SEP	IRA-SEP-Roth	IRA-SEP-Roth
Issue Ages:	0 – 90	0-59 60-90	0 – 85	0 – 100	0 – 90	0 – 95	0 – 85	0 – 90	0-59 60-90	0 – 90
Surrender Penalty Charges	MVA +	MVA +		MVA +	MVA +	MVA +		MVA +	MVA +	MVA +
Year 1	9%	9% 8%	9%	5%	9%	9%	9%	5%	9% 8%	9.0%
2	8%	8% 7%	8%	5%	8%	8%	8%	5%	8% 7%	8.0%
3	7%	7% 6%	7%	5%	7%	7%	7%	5%	7% 6%	7.0%
4					6%	6%	6%	5%	6% 5%	6.0%
5					5%	5%	5%	5%	5% 4%	5.0%
6									5% 3%	4.0%
7										3.0%
8										2.5%
9										1.5%
10										0.9%
Penalty Applied from Date of	Cont/Renew	Cont/Renew	Cont/Renew	Contract	Cont/Renew	Cont/Renew	Cont/Renew	Contract	Cont/Renew	Cont/Renew
Action Req’d End of Period	RRR	RRR	RRR	NONE	RRR	RRR	RRR	NONE	RRR	RRR
PenaltyWaivedw/PayOutOver	5 Years w/MVA	NO	NO	5 Years	5 Years w/MVA	NO	NO	5 Years	NO	NO
PenaltyWaived @ Death of	Owner	Option	Owner	Owner	Owner	Owner	Owner	Owner	Option	Owner
UpFront Charges/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
Days Rate Held on Transfers	Chg+30days	Chg+45days	AppDate+60	HO Rec+60	Chg+30days	AppDate+60	AppDate+60	HO Rec+60	Chg+45days	AppDate+60
Free Look Period	30 Days	21 Days	20 Days	20 Days	30 Days	30 Days	20 Days	20 Days	21 Days	30 Days
A.M. Best Rating	B++	B++	B++	A-	B++	B++	B++	A-	B++	B++
Company Assets (in Millions)	$1,870	$693	$57	$645	$1,870	$138	$57	$645	$693	$138
Year Company Founded	1960	1925	1947	1924	1960	1997	1947	1924	1925	1997
Insurance Company Type	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve	Legal Reserve
Home Office	Lincoln	Charleston	Elba	Houston	Lincoln	Knoxville	Elba	Houston	Charleston	Knoxville
	NE	SC	AL	TX	NE	TN	AL	TX	SC	TN
INTEREST RATE HISTORY ON NEW PREMIUM Ultimate Parent Company	Midwest Holdings, Inc	Advantage Capital	Nat’l Security Group	New Era Enterprises	Midwest Holdings, Inc	Arrowhead Capital Group	Nat’l Security Group	New Era Enterprises	Advantage Capital	Arrowhead Capital Group
03/23	5.35%	6.20%	5.50%	5.00%	5.40%		5.75%	5.30%	6.50%
04/23	5.35%	6.30%	5.60%	5.20%	5.40%		5.85%	5.40%	6.25%
05/23	5.25%	6.05%	5.60%	5.20%	5.30%	NewAnnuity	5.65%	5.40%	6.25%	NewAnnuity
06/23	5.25%	6.05%	5.60%	5.20%	5.30%	5.50%	5.65%	5.30%	6.25%	5.15%
07/23	5.25%	6.05%	5.60%	5.20%	5.30%	5.50%	5.65%	5.30%	6.25%	5.15%
08/23	5.25%	6.05%	5.50%	5.20%	5.30%	5.50%	5.55%	5.30%	6.25%	5.15%
09/23	5.25%	6.05%	5.50%	5.30%	5.30%	5.65%	5.55%	5.50%	6.25%	5.35%
10/23	5.40%	6.27%	5.75%	5.40%	5.40%	5.65%	5.70%	5.60%	6.25%	5.35%
11/23	5.50%	6.27%	5.75%	5.50%	5.55%	5.80%	5.85%	5.70%	6.45%	5.50%
12/23	5.50%	6.67%	5.75%	5.50%	5.55%	5.80%	5.85%	5.80%	6.45%	5.50%
01/24	5.50%	6.67%	5.75%	5.50%	5.55%	5.80%	5.85%	5.80%	6.45%	5.50%
02/24	5.65%	6.57%	5.75%	5.50%	5.70%	5.80%	5.85%	5.80%	6.45%	5.50%