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GBU Life At a Glance: Rates, Products and Reviews

GBU Life is an annuity provider that specializes in a handful of different annuity types. The company currently advertises access to immediate annuities, multi-year guaranteed annuities and flexible premium deferred annuities. GBU Life does not offer fixed index or variable annuities despite these being common industry options.

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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).
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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.
Read More
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.
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Updated: July 18, 2024
8 min read time
This page features 5 Cited Research Articles

Today’s Best GBU Life Annuity Rates

Term	Product	AM Best Rating	Rate
1 Year	Future Flex 8	A-	5.80%
1 Year	Future Flex Classic	A-	5.50%
1 Year	Future Flex 5	A-	5.25%

Source: Cannex

4.35

Annuity.org Star Rating

Our Take

GBU Life provides good options – particularly for high net worth individuals – across several annuity categories. However, the lack of fixed index and variable options hurts its ability to cater to all customers.

Pros

High maximum initial deposits on some products
Good options for high net worth individuals

Cons

Lower availability than some competitors
No variable or fixed index products

Compare GBU Life 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 GBU Life

GBU Life advertises annuities that span three categories: MYGAs, immediate annuities and flexible premium deferred annuities.

With one MYGA and immediate option each, the deferred annuities are where GBU shines and offers a handful of variations.

Flexible Premium Deferred Annuities

GBU Life keeps its annuity options pretty straightforward, with three versions of its flexible premium deferred annuities.

The first of these products is Future Flex Preferred 5. It’s a very straightforward product, with a minimum initial deposit of $10,000 and a maximum of $3 million, which is notably higher than a lot of competitors.

Customers can withdraw up to 10% of their account after the first year with no penalty, and multiple waivers are attached that allow you to access your entire account during certain emergencies.

Future Flex Preferred Waivers

Critical illness
Cognitive impairment
Nursing home confinement
Home health care

GBU Life also sells the Future Flex Preferred 8, which is an identical product but with a longer surrender period.

The final flexible premium product offered is the Future Flex Classic, which is designed to cater specifically to high net worth individuals.

It is a two-year annuity that uses an excess interest rate for withdrawals in place of a surrender charge. All of your money is accessible after two years.

This annuity is a hefty product, with a minimum initial deposit of $500,000 and a maximum of $5 million.

MYGAs

GBU Life sells one multi-year guaranteed annuity, which is known as Asset Guard.

It is a straightforward product that can help you easily make use of the benefits of opting for a MYGA.

Asset Guard Available Periods

Two years
Three years
Four years
Five years

There are multiple payout options to choose from along with different benefit and rider options, making it a product that can be extensively customized to fit your needs.

There is a $25,000 minimum initial premium and a $2 million maximum.

Immediate Annuities

If you’re just looking for the simple purchase and transaction of an immediate annuity, then GBU Life can help.

The company’s Future Flex Single Premium Annuity is fully customizable, allowing you to set up your payments however you choose.

GBU Life offers five payout options, including the ability for your beneficiaries to receive any principal that has not been paid when you die or the option to add a period certain to your payouts.

The annuity can be crafted to fit whatever you are looking for.

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About GBU Life

GBU Life, which is based in Pittsburgh, was initially founded in 1892. This makes it one of the oldest companies to participate in the annuity space.

And it has carved out a sizable chunk for itself, selling more than $500 million in direct premiums in 2022.

Many annuity providers are owned by larger financial conglomerates, but GBU Life remains an independent and member-owned company.

The company’s financial strength rating was in a somewhat worrying spot in years past but has improved. AM Best upgraded GBU Life from B++ to A- in 2017 and it has held that rating since.

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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.

GBU Life’s Credit Ratings

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

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What Customers Are Saying About GBU Life

It can be difficult to get a read on what customers think of GBU Life’s services.

Not all companies are forthcoming on customer satisfaction, and GBU Life was notably absent from both the 2023 and 2022 additions of the J.D. Power Overall Customer Satisfaction Index for annuity providers.

It should be noted that its absence does not signal a poor customer satisfaction score from J.D Power, but simply that it wasn’t considered as part of the study.

One encouraging area is the company’s NAIC Complaint Index Score of 0. Despite GBU Life’s considerable size, this means no customer complaints have been levied against them.

If you are working with an agent to find the right annuity, they can give you information on their past experiences with GBU Life.

The National Association of Insurance Commissioners (NAIC) tracks consumer complaints each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint IndexNAIC 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 GBU Life

All Policy Types	0
Individual Annuities Only	0

These numbers indicate that GBU Life receives fewer complaints than the industry average for all insurance policy types and individual annuities specifically.

GBU Pros & Cons

If you’re a high net worth individual, then GBU Life can be a strong option for you. One place where the company truly shines is its options for those looking to commit a lot of money to an annuity.

Its maximum initial deposits on its flexible premium deferred products are much higher than many competitors, and one product was designed specifically to cater to the needs of high net worth customers.

The company’s AM Best financial strength rating has also been steady and positive for years now, making up for a lower rating before 2017.

All of the cons surrounding GBU Life come down to access. According to the NAIC, GBU Life’s annuities are only available in 33 states.

The company also does not sell annuities in some of the most popular categories available. Many companies make fixed index annuities a priority, but these are not available through GBU Life.

Variable annuities are also not offered.

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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
New York Life
Pacific Life
Midland National
North American
Western Southern

Compare All Provider Ratings

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 18, 2024

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