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Americo At a Glance: Rates, Products and Reviews

Americo provides both fixed index annuities and MYGAs, offering a solid mix of choices to potential customers. The company’s Ultimate One Index Series includes numerous variations to fit your specific situation, while the Americo Elite 5 and Platinum Assure Series have many upsides as well. But the company trails in customer satisfaction with a high NAIC Complaint Index score.

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Written By Jennifer Schell, CAS®
Jennifer Schell, CAS®
Jennifer Schell, CAS®
Financial Writer, Certified Annuity Specialist®
Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).
Read More
and Chip Stapleton
Chip Stapleton
Chip Stapleton
FINRA Series 7 and Series 66 License Holder
Chip Stapleton is a financial advisor who has spent the past several years of his career working primarily in financial planning and wealth management. He is a FINRA Series 7 and Series 66 license holder and passed the CFA Level II exam in 2022.
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Edited By Lamia Chowdhury
Lamia Chowdhury
Lamia Chowdhury
Financial Editor
Lamia Chowdhury is a financial editor at Annuity.org. Lamia carries an extensive skillset in the content marketing field, and her work as a copywriter spans industries as diverse as finance, health care, travel and restaurants.
Read More
Reviewed By Stephen Kates, CFP®
Stephen Kates, CFP®
Stephen Kates, CFP®
Principal Financial Analyst for Annuity.org
Stephen Kates, CFP® is a personal finance expert specializing in financial planning and education. He serves as the Principal Financial Analyst for Annuity.org, where he delves into industry trends to support consumers and financial advisors on wealth management, annuities, retirement planning, and investing.
Read More
Updated: July 17, 2024
8 min read time
This page features 5 Cited Research Articles

Today’s Best Americo Annuity Rates

Term	Product	AM Best Rating	Rate
5 Years	Platinum Assure	A	5.65%
6 Years	Platinum Assure	A	5.65%
7 Years	Platinum Assure	A	5.65%

Source: Cannex

3.8

Annuity.org Star Rating

Our Take

Americo is a solid choice when looking for an annuity, as it offers both fixed index annuities and MYGAs. Its fixed index options, in particular, are quite diverse, with two series and five total products available. The company’s NAIC customer complaint index score is high for its market presence, however.

Pros

Plenty of information and brochures on annuity offerings readily available
Offers both fixed index and MYGA options

Cons

High number of customer complaints compared to market presence

Compare Americo Annuity Rates

Premium

State

Provider

Guarantee Period

Surrender Period

AM Best Rating

Products 1-5 of 739

Source: Cannex, Jul. 26, 2024

Product	Rate	Guarantee Period	Surrender Period	AM Best Rating
Safe Harbor Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	6.60%	10 Years	10 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	6.45%	10 Years	10 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	6.25%	7 Years	7 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	6.10%	7 Years	7 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	6.05%	6 Years	6 Years	B+
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	6.00%	1 Year	8 Years	A-
Safe Harbor Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	6.00%	5 Years	5 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.92%	3 Years	3 Years	B+
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.90%	3 Years	3 Years	B++
Aspida Advisory MYGA Guarantee: 5 Years Surrender: 5 Years	5.90%	5 Years	5 Years	A-
Safe Harbor Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.90%	6 Years	6 Years	B+
CL Sundance 3-Year Guarantee: 3 Years Surrender: 3 Years	5.85%	3 Years	3 Years	B++
MYGA Guarantee: 5 Years Surrender: 5 Years	5.85%	5 Years	5 Years	B++
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	5.80%	1 Year	8 Years	A-
Safeguard Plus Guarantee: 5 Years Surrender: 5 Years	5.80%	5 Years	5 Years	B++
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.80%	5 Years	5 Years
Aspida Advisory MYGA Guarantee: 7 Years Surrender: 7 Years	5.80%	7 Years	7 Years	A-
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.80%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.80%	10 Years	10 Years
Aspida Advisory MYGA Guarantee: 3 Years Surrender: 3 Years	5.75%	3 Years	3 Years	A-
MYGA Guarantee: 3 Years Surrender: 3 Years	5.75%	3 Years	3 Years	B++
Aspida Advisory MYGA Guarantee: 5 Years Surrender: 5 Years	5.75%	5 Years	5 Years	A-
MYAnnuity 7X - No Free Withdrawal Guarantee: 7 Years Surrender: 7 Years	5.75%	7 Years	7 Years	B++
MYGA Guarantee: 4 Years Surrender: 4 Years	5.70%	4 Years	4 Years	B++
American Life & Security Corp American Classic Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B++
MYAnnuity 5X - No Free Withdrawal Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B++
Safe Harbor Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B+
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years
Simple Annuity Guarantee: 6 Years Surrender: 6 Years	5.70%	6 Years	6 Years	B++
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.70%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.70%	10 Years	10 Years
American Life & Security Corp American Classic Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years	B++
Safeguard Plus Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years	B++
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years
Platinum Assure Guarantee: 5 Years Surrender: 5 Years	5.65%	5 Years	5 Years	A
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.65%	5 Years	5 Years
Aspida Advisory MYGA Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years	A-
MYGA Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years	B++
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.65%	10 Years	10 Years
Aspida Advisory MYGA Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B++
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B++
Safe Harbor Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B+
Advantage 5 Advisory Guarantee: 5 Years Surrender: 5 Years	5.60%	5 Years	5 Years	A++
CL Sundance 5-Year Guarantee: 5 Years Surrender: 5 Years	5.60%	5 Years	5 Years	B++
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.60%	5 Years	9 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.60%	5 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.60%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.60%	6 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.60%	7 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.60%	7 Years	10 Years	A
Certainty Select Guarantee: 10 Years Surrender: 10 Years	5.60%	10 Years	10 Years	B++
Safe Haven Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.57%	3 Years	3 Years	B+
Aspida Advisory MYGA Guarantee: 2 Years Surrender: 2 Years	5.55%	2 Years	2 Years	A-
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years	A
Oak ADVantage Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years	A+
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years
Platinum Assure Guarantee: 4 Years Surrender: 4 Years	5.55%	4 Years	4 Years	A
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	5.55%	5 Years	5 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.55%	5 Years	5 Years	B++
MYGA Guarantee: 6 Years Surrender: 6 Years	5.55%	6 Years	6 Years	B++
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	A
MYAnnuity 7X Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	B++
Safeguard Plus Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	B++
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	5.50%	1 Year	5 Years	A-
Future Flex Classic Guarantee: 1 Year Surrender: 1 Year	5.50%	1 Year	1 Year	A-
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	5.50%	3 Years	3 Years	A
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.50%	3 Years	3 Years
Advantage 5 Advisory Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A++
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A
MYAnnuity 5X Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	B++
Oak ADVantage Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A-
Multi Select Guarantee: 6 Years Surrender: 6 Years	5.50%	6 Years	6 Years	A
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Certainty Select Guarantee: 8 Years Surrender: 8 Years	5.50%	8 Years	8 Years	B++
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.50%	8 Years	10 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.50%	8 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.50%	9 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.50%	9 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.50%	10 Years	10 Years	A
Safeguard Plus Guarantee: 10 Years Surrender: 10 Years	5.50%	10 Years	10 Years	B++
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	5.45%	1 Year	8 Years	A-
Simple Annuity Guarantee: 4 Years Surrender: 4 Years	5.45%	4 Years	4 Years	B++
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.45%	5 Years	10 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.45%	5 Years	9 Years	A
Platinum Assure Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
WealthLock MYGA Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A-
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.45%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.45%	6 Years	9 Years	A
Platinum Assure Guarantee: 6 Years Surrender: 6 Years	5.45%	6 Years	6 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.45%	7 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.45%	7 Years	10 Years	A
Platinum Assure Guarantee: 7 Years Surrender: 7 Years	5.45%	7 Years	7 Years	A
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.45%	7 Years	7 Years	A-
Aspida Advisory MYGA Guarantee: 2 Years Surrender: 2 Years	5.40%	2 Years	2 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	B++
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	B+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.40%	4 Years	4 Years	A-
Focused Growth Annuity Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
WealthLock MYGA Plus Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
Certainty Select Guarantee: 6 Years Surrender: 6 Years	5.40%	6 Years	6 Years	B++
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A-
Multi Select Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A
Oak ADVantage Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A+
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	B++
WealthLock MYGA Plus Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A-
Platinum Assure Guarantee: 2 Years Surrender: 2 Years	5.35%	2 Years	2 Years	A
WealthLock MYGA Guarantee: 3 Years Surrender: 3 Years	5.35%	3 Years	3 Years	A-
Apex MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Certainty Select Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	B++
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.35%	5 Years	9 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.35%	5 Years	10 Years	A
Pinnacle Plus MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Safe Haven Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	B+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.35%	6 Years	6 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.35%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.35%	6 Years	9 Years	A
Lincoln Select Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.35%	7 Years	10 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.35%	7 Years	9 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
WealthLock MYGA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.35%	8 Years	9 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.35%	8 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.35%	9 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.35%	9 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.35%	10 Years	10 Years	A
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.34%	3 Years	3 Years	B+
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.30%	2 Years	2 Years	A-
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.30%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.30%	3 Years	9 Years	A
Safe Haven Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	B+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	B+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
WealthLock MYGA Plus Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A
Platinum Assure Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A-
F&G Secure MYGA® Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
F&G Secure MYGA® MVA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
FG Guarantee-Platinum Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Multi Select Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	B++
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
WealthLock MYGA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Apex MYGA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
F&G Secure MYGA® Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
F&G Secure MYGA® MVA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
FG Guarantee-Platinum Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	B++
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.30%	10 Years	10 Years	A
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	5.25%	1 Year	5 Years	A-
Asset Guard Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
CL Sundance 2-Year Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	B++
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	5.25%	2 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
WealthLock MYGA Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
Certainty Select Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	B++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Asset Guard Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Multi Select Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Asset Guard Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A+
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
MyGuarantee Plus Class Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
Pacific Harbor Guarantee: 5 Years Surrender: 0 Years	5.25%	5 Years	0 Years	A+
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	B++
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
WealthLock MYGA Plus Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Safe Haven Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.25%	6 Years	6 Years	B+
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Focused Growth Annuity Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A+
MyGuarantee Plus Class Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Pinnacle Plus MYGA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Safe Haven Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	B+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
WealthLock MYGA Plus Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.25%	8 Years	9 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.25%	8 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.25%	9 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.25%	9 Years	9 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	B++
Pinnacle Plus MYGA Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	5.20%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.20%	2 Years	2 Years	A-
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
Platinum Assure Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A-
WealthLock MYGA Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
American Freedom Classic 5 Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A++
Brighthouse Fixed Rate Annuity with MVA Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
Lincoln Select Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A+
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.20%	6 Years	6 Years	A
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.20%	6 Years	6 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
WealthLock MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.20%	10 Years	10 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.15%	2 Years	2 Years	A-
Apex MYGA Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Focused Growth Annuity Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
Freedom Elevate 3 Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A++
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.15%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.15%	3 Years	9 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
WealthLock MYGA Plus Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Eleos MVA Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A++
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
MNL Guarantee Pro 5 Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
Prudential WealthGuard Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Reliance Guarantee Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A++
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.15%	6 Years	6 Years	A-
Safe Haven Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.15%	6 Years	6 Years	B+
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A+
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Reliance Guarantee Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A++
Safe Haven Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	B+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Multi Select Guarantee: 8 Years Surrender: 8 Years	5.15%	8 Years	8 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	5.15%	10 Years	9 Years	A
Lincoln Select Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	B++
Safe Haven Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	B+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A-
WealthLock MYGA Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A-
Asset Guard Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
F&G Secure MYGA® Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
F&G Secure MYGA® MVA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
FG Guarantee-Platinum Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Pinnacle Plus MYGA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.10%	4 Years	4 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
Focused Growth Annuity Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MYAnnuity 5X - No Free Withdrawal Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B++
MyGuarantee Plus Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B++
Safe Haven Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B+
SecureSaver Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	5.10%	6 Years	6 Years	A++
Security Benefit Life Insurance Company Advanced Choice Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Brighthouse Fixed Rate Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	B++
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	B++
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A++
SecureSaver Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Premier Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
Asset Guard Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A-
Platinum Assure Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Athene MYG Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.05%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.05%	3 Years	9 Years	A
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Asset Guard Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A++
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
Apex MYGA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Asset Guard Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Brighthouse Fixed Rate Annuity Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
F&G Secure MYGA® Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
F&G Secure MYGA® MVA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Pinnacle Plus MYGA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
SecureFore 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Apex MYGA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
F&G Secure MYGA® Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
F&G Secure MYGA® MVA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
MNL Guarantee Pro 7 Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
SecureFore 7 Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Multi Select Guarantee: 10 Years Surrender: 10 Years	5.05%	10 Years	10 Years	A
Safe Haven Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	5.05%	10 Years	10 Years	B+
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	5.05%	10 Years	9 Years	A
ChoiceFour (Base contract) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	B++
ChoiceFour (MVA) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	B++
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	A
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 7 Years	5.00%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	5.00%	1 Year	7 Years	A+
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	5.00%	2 Years	5 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A+
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
Pacific Harbor Guarantee: 3 Years Surrender: 0 Years	5.00%	3 Years	0 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	5.00%	3 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A
American Pathway Vision MYG Guarantee: 4 Years Surrender: 10 Years	5.00%	4 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	B++
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
American Pathway Vision MYG Guarantee: 5 Years Surrender: 10 Years	5.00%	5 Years	10 Years	A
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
Eleos SP Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A++
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Pacific Harbor Guarantee: 5 Years Surrender: 0 Years	5.00%	5 Years	0 Years	A+
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	B++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	5.00%	5 Years	7 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	B+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 10 Years	5.00%	5 Years	10 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Premier Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
American Pathway Vision MYG Guarantee: 6 Years Surrender: 10 Years	5.00%	6 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	B++
SolutionsMYG Guarantee: 6 Years Surrender: 10 Years	5.00%	6 Years	10 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
American Pathway Vision MYG Guarantee: 7 Years Surrender: 10 Years	5.00%	7 Years	10 Years	A
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A-
MyGuarantee Plus Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	B++
Secure Growth Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
SolutionsMYG Guarantee: 7 Years Surrender: 10 Years	5.00%	7 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	B++
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A-
Multi Select Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	B++
American Pathway Vision MYG Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	B++
SolutionsMYG Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.95%	1 Year	5 Years	A+
WealthLock MYGA Plus Guarantee: 2 Years Surrender: 2 Years	4.95%	2 Years	2 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.95%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.95%	3 Years	7 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
MNL Guarantee Pro 3 Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
Platinum Assure Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	B++
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.95%	3 Years	5 Years	A+
SecureFore 3 Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.95%	4 Years	4 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.95%	4 Years	4 Years	A-
American Freedom Classic 5 Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.95%	6 Years	6 Years	A-
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.95%	6 Years	6 Years	A+
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Brighthouse Fixed Rate Annuity with ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Focused Growth Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A+
Pinnacle Plus MYGA Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Focused Growth Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	B++
Pinnacle Plus MYGA Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.94%	5 Years	5 Years	B+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.90%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.90%	1 Year	7 Years	A
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.90%	2 Years	2 Years	A++
American Freedom Aspire 3 Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A++
Asset Guard Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Brighthouse Fixed Rate Annuity with MVA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Prudential WealthGuard Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MNL Guarantee Pro 5 Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
MYAnnuity 5X Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	B++
Mariner Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	B+
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	4.90%	6 Years	6 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.90%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A++
Prudential WealthGuard Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A-
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	4.90%	8 Years	8 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	4.90%	9 Years	9 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	4.90%	10 Years	10 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	4.85%	2 Years	2 Years	A
Apex MYGA Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
F&G Secure MYGA® Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
F&G Secure MYGA® MVA Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Focused Growth Annuity Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Freedom Elevate 3 Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A++
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	4.85%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	4.85%	4 Years	4 Years	A-
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	4.85%	6 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	4.85%	6 Years	6 Years	A
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.85%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Reliance Guarantee Guarantee: 10 Years Surrender: 10 Years	4.85%	10 Years	10 Years	A++
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.85%	10 Years	10 Years	A
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.80%	2 Years	8 Years	A-
WealthLock MYGA Plus Guarantee: 2 Years Surrender: 2 Years	4.80%	2 Years	2 Years	A-
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
Mariner Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
Pinnacle Plus MYGA Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.80%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.80%	4 Years	4 Years	A++
American Freedom Aspire 5 Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A++
Brighthouse Fixed Rate Annuity Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A++
SecureFore 5 Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
SecureFore 7 Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	4.80%	10 Years	9 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.75%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.75%	1 Year	7 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	4.75%	2 Years	2 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A+
Brighthouse Fixed Rate Annuity Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A+
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Pacific Harbor Guarantee: 3 Years Surrender: 0 Years	4.75%	3 Years	0 Years	A+
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.75%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.75%	3 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Stable Voyage Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A++
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A++
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A-
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A+
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A+
SecureSaver Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
SolutionsMYG Guarantee: 6 Years Surrender: 7 Years	4.75%	6 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MNL Guarantee Pro 7 Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureSaver Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SolutionsMYG Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Secure Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.75%	9 Years	9 Years	A+
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	4.75%	10 Years	10 Years	B++
Apollo MVA Guarantee: 1 Year Surrender: 7 Years	4.70%	1 Year	7 Years	A++
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.70%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.70%	1 Year	5 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.70%	3 Years	7 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A-
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A+
SecureFore 3 Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	B++
Stable Voyage Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	A++
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	B++
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A
Stable Voyage Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A++
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	B++
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	B++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 8 Years Surrender: 8 Years	4.70%	8 Years	8 Years	B++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 9 Years Surrender: 9 Years	4.70%	9 Years	9 Years	B++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.70%	10 Years	10 Years	B++
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	4.70%	10 Years	9 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.65%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.65%	1 Year	7 Years	A
Brighthouse Fixed Rate Annuity with MVA Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A-
Multi Select Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	B++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A-
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.65%	4 Years	4 Years	A-
Brighthouse Fixed Rate Annuity with ROP Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A++
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A+
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.65%	6 Years	6 Years	A-
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.65%	9 Years	9 Years	A+
Focused Growth Annuity Guarantee: 10 Years Surrender: 10 Years	4.65%	10 Years	10 Years	A
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.60%	2 Years	8 Years	A-
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.60%	2 Years	2 Years	A++
Brighthouse Fixed Rate Annuity with ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A+
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.60%	4 Years	4 Years	A++
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
F&G Secure MYGA® ROP Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A++
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
Mariner Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A++
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Secure Plus Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	4.60%	6 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A++
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
F&G Secure MYGA® ROP Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A++
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A++
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.60%	9 Years	9 Years	A+
Apollo SP Guarantee: 1 Year Surrender: 7 Years	4.55%	1 Year	7 Years	A++
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.55%	1 Year	7 Years	A+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.55%	2 Years	2 Years	A++
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
MNL Guarantee Pro 3 Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A+
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A++
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A++
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.55%	3 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.55%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.55%	4 Years	4 Years	A++
American Freedom Aspire 5 Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A++
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.55%	5 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A
American Freedom Aspire 7 Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A++
Lincoln Select Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A
ChoiceFour (Liquidity + MVA) Guarantee: 1 Year Surrender: 6 Years	4.50%	1 Year	6 Years	B++
ChoiceFour (Liquidity) Guarantee: 1 Year Surrender: 6 Years	4.50%	1 Year	6 Years	B++
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 9 Years	4.50%	1 Year	9 Years	A
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 7 Years	4.50%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.50%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.50%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.50%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.50%	3 Years	7 Years	A
Brighthouse Fixed Rate Annuity Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Mariner Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.50%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.50%	3 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A
Stable Voyage Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A++
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.50%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.50%	9 Years	9 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.45%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.45%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.45%	1 Year	7 Years	A+
American Freedom Aspire 3 Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A++
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A+
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A++
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A++
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A+
Stable Voyage Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A++
Lincoln Select Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Stable Voyage Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.45%	6 Years	6 Years	A+
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A++
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A
Platinum Edge Guarantee: 10 Years Surrender: 10 Years	4.45%	10 Years	10 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.40%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.40%	1 Year	5 Years	A+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.40%	2 Years	2 Years	A++
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.40%	3 Years	5 Years	A+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	B+
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
MyGuarantee Plus Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
MyGuarantee Plus Class Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.40%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.40%	6 Years	6 Years	A++
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
MyGuarantee Plus Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
MyGuarantee Plus Class Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
Prudential WealthGuard Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A+
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A-
United of Omaha Insurance Company (a Mutual of Omaha company) Bonus Flexible Annuity Guarantee: 8 Years Surrender: 8 Years	4.40%	8 Years	8 Years	A+
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	4.40%	9 Years	8 Years	A-
Platinum Edge Guarantee: 9 Years Surrender: 9 Years	4.40%	9 Years	9 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.35%	4 Years	4 Years	A++
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
F&G Secure MYGA® ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A+
F&G Secure MYGA® ROP Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A+
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Platinum Edge Guarantee: 8 Years Surrender: 8 Years	4.35%	8 Years	8 Years	A+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.34%	3 Years	3 Years	B+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.30%	2 Years	2 Years	A++
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.30%	2 Years	2 Years	A++
F&G Secure MYGA® ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	B+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.30%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.30%	4 Years	4 Years	A+
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A++
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Prudential WealthGuard Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	4.30%	6 Years	6 Years	A++
American Freedom Aspire 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Platinum Edge Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Lincoln Select Guarantee: 10 Years Surrender: 10 Years	4.30%	10 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.30%	10 Years	10 Years	A
MultiRate Guarantee: 1 Year Surrender: 7 Years	4.25%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.25%	1 Year	7 Years	A+
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.25%	2 Years	8 Years	A-
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A
Prudential WealthGuard Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	4.25%	3 Years	6 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A+
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A+
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	B+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Platinum Edge Guarantee: 6 Years Surrender: 6 Years	4.25%	6 Years	6 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
MultiRate Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
SPDA Series II Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.20%	1 Year	5 Years	A+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.20%	3 Years	7 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A-
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.20%	4 Years	4 Years	A++
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.20%	4 Years	4 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Platinum Edge Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.20%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A++
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.20%	6 Years	6 Years	A++
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	4.20%	7 Years	10 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A-
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	4.20%	9 Years	8 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.19%	5 Years	5 Years	B+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.15%	1 Year	5 Years	A+
MultiRate Guarantee: 2 Years Surrender: 7 Years	4.15%	2 Years	7 Years	A+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A+
SPDA Series II Guarantee: 3 Years Surrender: 7 Years	4.15%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.15%	3 Years	5 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.15%	4 Years	4 Years	A-
Platinum Edge Guarantee: 4 Years Surrender: 4 Years	4.15%	4 Years	4 Years	A+
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
New Momentum Guarantee: 5 Years Surrender: 7 Years	4.15%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	B+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A++
SmartStep Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A+
SmartStep Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A+
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A-
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.15%	10 Years	10 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.10%	1 Year	7 Years	A+
MultiRate Guarantee: 2 Years Surrender: 7 Years	4.10%	2 Years	7 Years	A+
MultiRate Guarantee: 3 Years Surrender: 7 Years	4.10%	3 Years	7 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A-
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A-
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A+
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.05%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.05%	3 Years	7 Years	A
F&G Secure MYGA® ROP Guarantee: 3 Years Surrender: 3 Years	4.05%	3 Years	3 Years	A
MultiRate Guarantee: 3 Years Surrender: 7 Years	4.05%	3 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.05%	3 Years	3 Years	A++
MultiRate Guarantee: 4 Years Surrender: 7 Years	4.05%	4 Years	7 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.05%	5 Years	5 Years	A+
MultiRate Guarantee: 5 Years Surrender: 7 Years	4.05%	5 Years	7 Years	A+
SPDA Series II Guarantee: 5 Years Surrender: 7 Years	4.05%	5 Years	7 Years	A+
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.05%	5 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	4.05%	6 Years	6 Years	A++
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	4.05%	7 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A-
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.05%	10 Years	10 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.00%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.00%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.00%	1 Year	5 Years	A+
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
MultiRate Guarantee: 4 Years Surrender: 7 Years	4.00%	4 Years	7 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.00%	4 Years	4 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.00%	4 Years	4 Years	A++
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A
MultiRate Guarantee: 5 Years Surrender: 7 Years	4.00%	5 Years	7 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
SecureSaver Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A++
SecureSaver Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A+
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Expedition II Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A-
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
SmartSelect Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Access SPDA Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A-
New Momentum Guarantee: 6 Years Surrender: 7 Years	3.95%	6 Years	7 Years	A+
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A++
SmartStep Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A+
SmartStep Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A+
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A++
MultiRate Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A+
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	3.95%	7 Years	10 Years	A
SPDA Series II Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A-
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.90%	2 Years	2 Years	B+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A-
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.90%	3 Years	6 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.90%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	3.90%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.90%	5 Years	5 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	3.90%	5 Years	5 Years	A++
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.90%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.90%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	3.90%	6 Years	6 Years	A++
MultiRate Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	3.85%	3 Years	3 Years	A++
Access SPDA Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A-
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A++
Select Pro Guarantee: 5 Years Surrender: 5 Years	3.85%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.85%	6 Years	6 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	3.85%	6 Years	6 Years	A++
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A+
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	3.85%	9 Years	8 Years	A-
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.85%	10 Years	10 Years	A+
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.85%	10 Years	10 Years	A+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.84%	2 Years	2 Years	B+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	3.80%	1 Year	7 Years	A+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.80%	2 Years	2 Years	B+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.80%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.80%	3 Years	6 Years	A++
Select Max Guarantee: 3 Years Surrender: 3 Years	3.80%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.80%	4 Years	4 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	3.80%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Select Max Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
New Momentum Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.75%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	3.75%	1 Year	5 Years	A+
SeniorSelect Guarantee: 1 Year Surrender: 1 Year	3.75%	1 Year	1 Year	A+
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.75%	3 Years	7 Years	A
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.75%	3 Years	7 Years	A+
Select Max Guarantee: 3 Years Surrender: 3 Years	3.75%	3 Years	3 Years	A
Select Pro Guarantee: 3 Years Surrender: 3 Years	3.75%	3 Years	3 Years	A
Mariner Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.75%	5 Years	7 Years	A+
Select Max Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.75%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.75%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	3.75%	6 Years	6 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A+
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A+
Select Max Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A++
New Momentum Guarantee: 10 Years Surrender: 7 Years	3.75%	10 Years	7 Years	A+
Platinum Edge Guarantee: 3 Years Surrender: 3 Years	3.70%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.70%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.70%	3 Years	6 Years	A++
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	3.70%	4 Years	4 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.70%	4 Years	4 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A+
American Pathway Vision MYG Guarantee: 7 Years Surrender: 10 Years	3.70%	7 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A-
SolutionsMYG Guarantee: 7 Years Surrender: 10 Years	3.70%	7 Years	10 Years	A
American Pathway Vision MYG Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A+
SolutionsMYG Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.65%	3 Years	7 Years	A+
American Pathway Vision MYG Guarantee: 5 Years Surrender: 10 Years	3.65%	5 Years	10 Years	A
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.65%	5 Years	7 Years	A+
SolutionsMYG Guarantee: 5 Years Surrender: 10 Years	3.65%	5 Years	10 Years	A
American Pathway Vision MYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.65%	6 Years	6 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	3.65%	6 Years	6 Years	A++
SolutionsMYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.60%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.60%	5 Years	5 Years	A++
Select Max Guarantee: 5 Years Surrender: 5 Years	3.60%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Select Max Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	3.55%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.55%	7 Years	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.50%	1 Year	5 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.50%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.50%	3 Years	5 Years	A
American Pathway Vision MYG Guarantee: 4 Years Surrender: 10 Years	3.50%	4 Years	10 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.50%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.50%	5 Years	10 Years	A
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.50%	5 Years	5 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A++
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.45%	3 Years	7 Years	A+
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	3.45%	5 Years	5 Years	A
Secure Savings Guarantee: 5 Years Surrender: 5 Years	3.45%	5 Years	5 Years	B+
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.45%	5 Years	7 Years	A+
Access SPDA Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A+
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.45%	7 Years	7 Years	A+
Select Max Guarantee: 7 Years Surrender: 7 Years	3.45%	7 Years	7 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.40%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.40%	1 Year	7 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.40%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.40%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.40%	3 Years	7 Years	A
Select Max Guarantee: 3 Years Surrender: 3 Years	3.40%	3 Years	3 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
Select Max Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A++
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
Select Max Guarantee: 3 Years Surrender: 3 Years	3.35%	3 Years	3 Years	A
Access SPDA Guarantee: 4 Years Surrender: 4 Years	3.35%	4 Years	4 Years	A-
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.35%	5 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.30%	3 Years	10 Years	A
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	3.30%	5 Years	5 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A+
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.25%	5 Years	10 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.20%	1 Year	7 Years	A+
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	3.20%	5 Years	5 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	3.20%	7 Years	7 Years	A
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.15%	2 Years	2 Years	B+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.15%	3 Years	10 Years	A
Secure Savings Guarantee: 3 Years Surrender: 3 Years	3.15%	3 Years	3 Years	B+
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.15%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.15%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.10%	1 Year	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.10%	3 Years	7 Years	A
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	3.10%	4 Years	4 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.10%	7 Years	7 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	3.10%	7 Years	7 Years	A
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.09%	2 Years	2 Years	B+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.05%	2 Years	2 Years	B+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.05%	3 Years	10 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.05%	5 Years	5 Years	A
SolutionsMYG Guarantee: 7 Years Surrender: 7 Years	3.05%	7 Years	7 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.00%	1 Year	7 Years	A
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.00%	3 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.00%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.00%	3 Years	7 Years	A
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	3.00%	4 Years	4 Years	A
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	3.00%	4 Years	4 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 7 Years	3.00%	5 Years	7 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 6 Years Surrender: 7 Years	3.00%	6 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
Assured Edge Income Builder Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
Prudential Fixed Annuity Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A+
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	2.75%	2 Years	5 Years	A-
Assured Edge Advisory Guarantee: 7 Years Surrender: 1 Year	2.75%	7 Years	1 Year	A
Income Creator Guarantee: 7 Years Surrender: 7 Years	2.65%	7 Years	7 Years	A+
Secure Savings Guarantee: 2 Years Surrender: 2 Years	2.60%	2 Years	2 Years	B+
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	2.35%	6 Years	5 Years	A-
Assured Edge Income Builder Guarantee: 7 Years Surrender: 7 Years	2.25%	7 Years	7 Years	A
Assured Edge Income Achiever Guarantee: 9 Years Surrender: 9 Years	2.25%	9 Years	9 Years	A
Assured Edge Income Achiever Guarantee: 10 Years Surrender: 10 Years	2.25%	10 Years	10 Years	A
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++

Products 1-5 of 739

Additional Products Offered by Americo

Americo primarily offers fixed index annuities, with those products divided among two different series. But the company offers a MYGA option as well, which is available with six different terms.

Fixed Index Annuities

Americo’s fixed index annuities are available in two groups: the Ultimate One Index Series and the Americo Elite 5.

The three annuities in the Ultimate One Index Series vary by their surrender charge length schedule and have options ranging from five to nine years depending, in part, on your age.

Product	Surrender Period	Surrender Charge Schedule
Ultimate One Index 7 (if you are 85 or younger)	Seven Years	9%, 8.5%, 8%, 7%, 6%, 5%, 4%
Ultimate One Index 7 (if you are 86 to 90)	Five Years	7%, 6%, 5%, 4%, 2%
Ultimate One Index 9	Nine Years	11%, 10.5%, 10%, 9.5%, 9%, 8%, 7%, 6%, 5%
Ultimate One Index 9 Bonus	Nine Years	13%, 13%, 12%, 11%, 10%, 9%, 8%, 7%, 6%

The Ultimate One Index Series is based on the performance of the S&P 500 and offers four credit rating options. Each option includes an issue limit minimum of $10,000 and a maximum of $1 million.

This series includes several of the standard benefits available from annuities across the industry. For example, they allow you to withdraw 10% of the annuity’s value each year after the first year of the contract without penalty. They also waive the surrender charge if you must enter a nursing home or need an extended stay in a hospital.

While most of the options vary by surrender charge, the Ultimate One Index 9 Bonus offers a 5% premium bonus. The tradeoff is a higher initial surrender charge.

Americo Elite 5

Americo has an additional fixed index option available, separate from the Ultimate One Index Series, known as the Americo Elite 5.

It offers 10 index options and is available with surrender periods of five or 10 years. Your interest rate is guaranteed to never fall below zero and you have access to the same standard benefits, such as nursing home and hospital confinement waivers, that are available through the Ultimate One Index Series.

Multi-Year Guaranteed Annuities

In addition to its fixed index options, Americo also offers MYGAs through its Platinum Assure Series.

Did You Know?

Americo’s Platinum Assure MYGA is available in terms of two, three, four, five, six or seven years.

The Platinum Assure has six term options available, along with a minimum issue of $25,000 and a maximum of $1 million. The annuity includes a 45-day rate lock and the same nursing home/hospital confinement waiver attached to other Americo products.

The interest rate is guaranteed and, when your term ends, you can remove all of your money with no penalty.

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About Americo

Americo is a sizable player in the annuity space, with over $480 million in direct premiums sold in 2022. In addition to annuities, the company sells life insurance and vision insurance.

Based in Kansas City, Americo was originally founded as the College Life Insurance Company in 1946. The overarching holding company also owns Great Southern Life Insurance, United Fidelity Life Insurance, National Farmer’s Union Life Insurance and Investors Life Insurance.

The company holds a financial strength rating of A from AM Best.

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Credit Ratings

Credit ratings for annuity providers can help determine a company’s financial strength and stability — an indication that it will be around to guarantee payments to you in the future. Different rating companies use different scales.

Americo Credit Ratings

Rating Company	Credit Rating
AM Best	A
Fitch	Not Rated
S&P	BBB-

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What Customers Are Saying About Americo

Annuity.org spoke to a couple customers who have annuities through Americo, and their experiences were mixed. Mark F., for example, ran into some contract revision issues that he had difficulty sorting out over a period of years.

“My insurance company experience was horrible with a capital H,” he said. “Would I have anything to do with Americo in the future? No, not one bit.”

The other customer Annuity.org spoke to had had no issues with their Americo experience. However, the company does have more customer complaints than expected given its market presence, holding a 3.63 NAIC Complaint Index score.

My insurance company experience was horrible with a capital H. Would I have anything to do with Americo in the future? No, not one bit.

Mark F., Americo Customer

Americo also did not appear in either the 2022 or 2023 additions of the J.D. Power Customer Satisfaction Index Ranking, which measures the overall customer satisfaction of annuity providers.

The National Association of Insurance Commissioners (NAIC) tracks the consumer complaints that each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint Index.NAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market.

NAIC Complaint Index for Americo

All Policy Types	1.68
Individual Annuities Only	3.83

These numbers indicate that Americo receives more complaints than the industry average for all insurance policy types and individual annuities.

Americo Pros & Cons

One big pro to Americo is the sheer diversity of annuity options available. This varies widely by provider, but many competitors offer just a couple of simple products.

Americo goes beyond that, offering two series of fixed index annuities — with variations available for each — as well as MYGAs with several terms.

The company also does a great job of making information about its products readily available, with comparison sheets, brochures and current rates all easily accessible.

As far as cons, the only major drawback is Americo’s lack of customer satisfaction track record. This is not to say that customer satisfaction is determinedly worse than competitors, but that there is simply a lack of data.

Many major carriers rank in the J.D. Customer Satisfaction Index Rating, but Americo does not, and its NAIC Complaint Index Score leaves a lot to be desired.

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Provider Rating Methodology

Annuity.org created a fact-based methodology to analyze the strength, security and reach of different annuity providers. We assessed companies based on their availability, the number of direct premiums sold, their AM Best Financial Strength Rating and their NAIC Complaint Index score.

Providers received a rating on a five-star scale for each of these categories, with the complaint index and financial strength ratings weighed as the heaviest variables. Then, using a weighted average, each company was assigned an overall star rating.

Top-Ranked Annuity Providers

Provider	Annuity.org Star Rating
Mass Mutual
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Midland National
North American
Western & Southern

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Our Rating Panel

Annuity.org expert panel for providers pages

The Annuity.org editorial team spoke with several different annuity experts to learn more about what is important to customers when searching for a provider and what factors make a company reliable. While Annuity.org designed the methodology, these experts provided feedback during the process and consulted on what factors we should leverage to best help prospective buyers compare providers.

Please seek the advice of a qualified professional before making financial decisions.

Last Modified: July 17, 2024

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