Multi Year Guarantee Annuities (MYGA) Yield Curve

The chart below shows the average and best MYGA interest rates arranged by the Guaranteed Period. The chart uses actual current rates effective 11/28/2021.

The average Guaranteed Yield to Surrender is calculated by averaging all MYG products in our database for each duration. For example, for the five year guarantee period, we averaged the rates of 391 MYGA products to get 1.91% as shown in the chart.

The Following MYGA Products are Included in the Chart

Find out which company has the best rates, get notified before rates change and see side-by-side comparisons of all products with full product detail.  Learn More.

2 Year MYGAs

GBU Life Assetguard Select 2 Oceanview Life and Annuity Harbourview 2 SILAC Secure Savings 2 Year Secure Savings Elite 2 Secure Savings Elite 2 (FL)

3 Year MYGAs

AIG American Pathway Fixed 3 Annuity American Equity Investment Life Insurance Company GuaranteeShield 3 American Life American Classic 3 (No Liquidity) American Classic 3 Year American National Insurance Company Palladium MYG Annuity 3 Athene Annuity & Life Assurance Company of New York Athene Max Rate 3 MYGA - NY Athene MYG 3 - NY Athene MYG ROP 3 - NY Athene IA Athene Max Rate 3 Athene Max Rate 3 LITE Athene MYG 3 Athene MYG 3 MVA Athene MYG 3 ROP Brighthouse Life Insurance Company Fixed Rate Annuity 3 Fixed Rate Annuity 3 MVA Fixed Rate Annuity 3 ROP Capitol Life Insurance Company Bankers 3 Bankers Elite 3 Capitol Advantage 3 CUNA Mutual MaxProtect Annuity 3 MaxProtect Annuity 3 MVA MaxProtect Annuity 3 ROP Delaware Life Apex MYGA 3 Pinnacle MYGAsm 3 Year Pinnacle MYGAsm 3 Year (DE & FL) Eagle Life Eagle Guarantee Focus 3 EquiTrust Life Insurance Company Certainty Select 3 Fidelity & Guaranty Life F&G Secure MYGA 3 FG Guarantee-Platinum 3 First Symetra Nat’l Life Ins Co of NY Symetra Select 3 Symetra Select 3 GROP GBU Life Assetguard Select 3 GCU Triple Advantage PLUS Global Atlantic Financial Group SecureFore 3 SecureFore 3 ROP Great American Life Insurance Company American Freedom Classic 3 American Freedom Classic 3 No MVA SecureGain 3 SecureGain 3 Non-MVA Guaranty Income Life Guaranty Rate Lock 3 Guaranty Rate Lock 3 (Non MVA) RateWise Annuity 3 Year RateWise Annuity 3 Year (Liquidity) Guggenheim Life and Annuity Company Preserve MYGA 3 Liberty Bankers Life Bankers 3 Bankers Elite 3 Manhattan Life Insurance Company Preferred Choice 3 Preferred Choice 3 NY & CA Mass Mutual Stable Voyage 3 Midland National Life Guarantee Ultimate 3 MNL Guarantee Pro 3 Midland National Life (Sammons Retirement Solutions) LiveWell Guarantee Annuity 3 LiveWell Guarantee Max 3 National Integrity Life Insurance SmartSelect 3 NY SmartSelect 3 NY Version 2 Nationwide Life Insurance Company Platinum Edge 3 New York Life Insurance and Annuity Corporation Secure Term Choice II (3-Year) Secure Term MVA II (3-Year) Secure Term V (3-Year) North American Company NAC Guarantee Plus 3 Oceanview Life and Annuity Harbourview 3 Sky Harbourview 3 Oxford Life Insurance Company Multi-Select 3 Pacific Guardian Life Diamond Head 3 Pacific Life & Annuity Company (NY) Pacific Expedition II 3 NY Pacific Life Insurance Company Pacific Expedition II 3 Royal Neighbors of America MYGA 3 Year MYGA 3 Year CA S.USA Life Insurance Company, Inc. Select Choice® 1 (3) Year Plan Base Policy Select Choice® 2 (3) Year Plan (Base + ROP) Select Choice® 3 (3) Year Plan (Base + PFW) Select Choice® 4 (3) Year Plan (Base + ROP + PFW) Sagicor Life Insurance Company Milestone MYGA 3 Milestone MYGA 3 CA Milestone MYGA 3 FL SBLI USA Select Choice 1 (3) Base Policy Select Choice 2 (3) Base Policy + ROP Select Choice 3 (3) Base Policy + PFW Select Choice 4 (3) Base Policy + ROP + PFW Securian Financial SecureOption Choice 3 SecureOption Choice 3 CA Security Benefit Life Advanced Choice 3 Symetra Life Insurance Company Symetra Select 3 Symetra Select 3 (PNC) Symetra Select 3 GROP The Standard BB&T Focused Growth Annuity 3 CBSI Focused Growth Annuity 3 FC Multi-Choice 3 FC Multi-Choice 3 10% Withdrawal Provision FC Multi-Choice 3 10% Withdrawal Provision ROP FC Multi-Choice 3 Interest Only Withdrawals Focused Growth Annuity 3 Focused Growth Annuity 3 (Blue Series) Multi-Choice 3 Multi-Choice 3 10% Withdrawal Provision Multi-Choice 3 10% Withdrawal Provision ROP Multi-Choice 3 Interest Only Withdrawals RJ Focused Growth Annuity 3 The United States Life Insurance Co. (NY) American Pathway Fixed 3 Annuity NY Thrivent MYGA 3 MYGA 3 ROP United Life Insurance Company Performance SPDA-3 Performance SPDA-3 w/10% Western United Life Discovery 3 Discovery 3 CA Navigator Elite MVA 3 Navigator Ultra MVA 3 Western-Southern Life Assurance Company SmartSelect 3 SmartSelect 3 Version 2

4 Year MYGAs

AIG American Pathway Fixed 4 Annuity American Pathway VisionMYG 4 American General Life Insurance Company American Pathway VisionMYG 4 GBU Life Assetguard Select 4 Guaranty Income Life Guaranty Rate Lock 4 Guaranty Rate Lock 4 (Non MVA) Guggenheim Life and Annuity Company Preserve MYGA 4 Integrity Life Insurance Company MultiVantage 4 Mass Mutual Stable Voyage 4 Nassau Life and Annuity Company Nassau Simple Annuity 4 National Integrity Life Insurance MultiVantage 4 SmartSelect 4 NY SmartSelect 4 NY Version 2 SmartStep NY SmartStep NY ROP Nationwide Life Insurance Company Platinum Edge 4 New York Life Insurance and Annuity Corporation Secure Term Choice II (4-Year) Secure Term MVA II (4-Year) Secure Term V (4-Year) Oceanview Life and Annuity Harbourview 4 Oxford Life Insurance Company Multi-Select 4 Pacific Guardian Life Diamond Head 4 Protective Life And Annuity (NY) Smart Saver 4 NY Sagicor Life Insurance Company Milestone MYGA 4 Milestone MYGA 4 CA Milestone MYGA 4 FL The United States Life Insurance Co. (NY) American Pathway Fixed 4 Annuity NY United Life Insurance Company Access SPDA-4 Western-Southern Life Assurance Company SmartSelect 4 SmartSelect 4 Version 2

5 Year MYGAs

AIG AIG Optimum Selection 5 AIG Optimum Selection 5 GROP American Pathway Fixed 5 Annuity - GROP American Pathway Fixed 5 Annuity - GROP with MVA American Pathway Fixed 5 Annuity - No GROP American Pathway Fixed 5 Annuity - No GROP with MVA American Pathway SolutionsMYG 5 American Pathway VisionMYG 5 The Structure Annuity 5 The Structure Annuity 5 GROP American Equity Investment Life Insurance Company Guarantee 5 (ICC13 MYGA) GuaranteeShield 5 American Equity Investment Life Insurance Company Of NY NY Eagle Platinum MVA 5 (10% W/D) NY Eagle Platinum MVA 5 (Interest Only) NY Eagle Platinum Non MVA 5 (10% W/D) NY Eagle Platinum Non MVA 5 (Interest Only) American General Life Insurance Company American Pathway SolutionsMYG 5 American Pathway VisionMYG 5 American Life American Classic 5 (No Liquidity) American Classic 5 Year PlanGap Annuity American National Insurance Company Palladium MYG Annuity 5 American National Life Insurance Company of NY Palladium MYG 5 NY Americo Platinum Assure 5 Athene Annuity & Life Assurance Company of New York Athene Max Rate 5 MYGA - NY Athene MYG 5 - NY Athene MYG ROP 5 - NY Athene IA Athene Max Rate 5 Athene Max Rate 5 LITE Athene MYG 5 Athene MYG 5 MVA Athene MYG 5 ROP Atlantic Coast Life Safe Haven 5 Safe Haven 5 - 86-90 Safe Haven 5 FL Brighthouse Life Insurance Company Fixed Rate Annuity 5 Fixed Rate Annuity 5 MVA Fixed Rate Annuity 5 ROP Capitol Life Insurance Company Bankers 5 Bankers 5 Premier Bankers 5 Premier Plus Bankers Elite 5 Capitol Advantage 5 CUNA Mutual MaxProtect Annuity 5 MaxProtect Annuity 5 MVA MaxProtect Annuity 5 ROP Delaware Life Apex MYGA 5 Pinnacle MYGAsm 5 Year Pinnacle MYGAsm 5 Year (DE & FL) Eagle Life Eagle Guarantee Focus 5 EquiTrust Life Insurance Company Certainty Select 5 Fidelity & Guaranty Life F&G Secure MYGA 5 FG Guarantee-Platinum 5 First Symetra Nat’l Life Ins Co of NY First Symetra Custom 5 First Symetra Custom 5 (ROP) Symetra Select 5 Symetra Select 5 (ASH) Symetra Select 5 (FIG) Symetra Select 5 GROP Symetra Select 5 GROP (ASH) Symetra Select 5 GROP (FIG) GBU Life Assetguard Select 5 Global Atlantic Financial Group SecureFore 5 SecureFore 5 ROP Great American Life Insurance Company American Freedom Aspire 5 American Freedom Stars & Stripes® 5 (MVA) American Freedom Stars & Stripes® 5 (Non MVA) SecureGain 5 SecureGain 5 No MVA Guaranty Income Life Guaranty Rate Lock 5 Guaranty Rate Lock 5 (Non MVA) RateWise Annuity 5 Year RateWise Annuity 5 Year (Liquidity) Guardian Insurance & Annuity Co. Guardian Fixed Target Annuity 5 Guggenheim Life and Annuity Company Preserve MYGA 5 ProOption MYGA 5 with ROP Integrity Life Insurance Company MultiVantage 5 Jackson National Life RateProtector 5 Jackson National Life of New York RateProtector 5 NY Liberty Bankers Life Bankers 5 Bankers 5 Premier Bankers 5 Premier Plus Bankers Elite 5 Lincoln Financial Group Lincoln MYGuarantee Plus 5 Lincoln MYGuarantee Plus 5 (CA) Lincoln Life & Annuity Company of New York Lincoln MYGuaranteesm Plus 5 Manhattan Life Insurance Company Preferred Choice 5 Preferred Choice 5 NY & CA Premium Preferred 5 Premium Preferred 5 NY & CA Mass Mutual Stable Voyage 5 Midland National Life Guarantee Ultimate 5 MNL Guarantee Pro 5 Midland National Life (Sammons Retirement Solutions) LiveWell Guarantee Annuity 5 LiveWell Guarantee Max 5 Mutual of Omaha Ultra - Secure Plus 5 Ultra Premier 5 Nassau Life and Annuity Company Nassau MYAnnuity 5X 0% Free Nassau MYAnnuity 5X 10% Free Nassau Life Insurance Company (NY) MYAnnuity 5X 0% Free MYAnnuity 5X 10%/Free National Integrity Life Insurance MultiVantage 5 SmartSelect 5 NY SmartSelect 5 NY Version 2 Nationwide Life Insurance Company Platinum Edge 5 Secure Growth 5 Secure Growth 5 (NY) Secure Growth 5 MVA Secure Growth 5 ROP Secure Growth 5 ROP (NY) New York Life Insurance and Annuity Corporation Secure Term Choice II (5-Year) Secure Term MVA II (5-Year) Secure Term V (5-Year) North American Company NAC Guarantee Plus 5 Oceanview Life and Annuity Harbourview 5 Sky Harbourview 5 Oxford Life Insurance Company Multi-Select 5 Pacific Guardian Life Diamond Head 5 Pacific Life & Annuity Company (NY) Pacific Expedition II 5 NY Pacific Life Insurance Company Pacific Expedition II 5 Protective Life Balance Annuity 5 MYGA Balance Annuity 5 MYGA with ROP Foundation 5 Foundation 5 with ROP Secure Saver 5 Protective Life And Annuity (NY) Smart Saver 5 NY Reliance Standard Life Eleos MVA Eleos SP Reliance Guarantee - 5 Royal Neighbors of America MYGA 5 Year MYGA 5 Year CA S.USA Life Insurance Company, Inc. Select Choice® 1 (5) Year Plan Base Policy Select Choice® 2 (5) Year Plan (Base + ROP) Select Choice® 3 (5) Year Plan (Base + PFW) Select Choice® 4 (5) Year Plan (Base + ROP + PFW) Sagicor Life Insurance Company Milestone MYGA 5 Milestone MYGA 5 CA Milestone MYGA 5 FL SBLI -Savings Bank Life Insurance of MA ECAccumulate SBLI USA Select Choice 1 (5) Base Policy Select Choice 2 (5) Base Policy + ROP Select Choice 3 (5) Base Policy + PFW Select Choice 4 (5) Base Policy + ROP + PFW Securian Financial SecureOption Choice 5 SecureOption Choice 5 CA Security Benefit Life Advanced Choice 5 Sentinel Security Life Insurance Company Personal Choice Annuity 5 Personal Choice Annuity 5 (CA, FL) Personal Choice Annuity 5 86-90 Personal Choice Annuity 5 MN Personal Choice Annuity 5 MN 86-90 SILAC Secure Savings 5 Year Secure Savings Elite 5 Secure Savings Elite 5 (FL) Symetra Life Insurance Company Symetra Custom 5 (No ROP) Symetra Custom 5 (ROP) Symetra Select 5 Symetra Select 5 (ASH) Symetra Select 5 (FIG) Symetra Select 5 GROP Symetra Select 5 GROP (ASH) Symetra Select 5 GROP (FIG) Symetra Select 5 (PNC) The Standard BB&T Focused Growth Annuity 5 CBSI Focused Growth Annuity 5 FC Multi-Choice 5 FC Multi-Choice 5 10% Withdrawal Provision FC Multi-Choice 5 10% Withdrawal Provision ROP FC Multi-Choice 5 Interest Only Withdrawals Focused Growth Annuity 5 Focused Growth Annuity 5 (Blue Series) Multi-Choice 5 Multi-Choice 5 10% Withdrawal Provision Multi-Choice 5 10% Withdrawal Provision ROP Multi-Choice 5 Interest Only Withdrawals RJ Focused Growth Annuity 5 TD Focused Growth Annuity 5 The United States Life Insurance Co. (NY) American Pathway 5 - 5 Year GROP NY American Pathway 5 - 5 Year No GROP NY American Pathway Fixed 5 Plus NY American Pathway Fixed 5 Plus NY GROP American Pathway SolutionsMYG 5 Thrivent MYGA 5 MYGA 5 ROP United Life Insurance Company Performance SPDA-5 Performance SPDA-5 w/10% Western United Life Discovery 5 Discovery 5 CA Discovery Plus 5 Future Select 5 Future Select 5 CA Navigator Elite MVA 5 Navigator Ultra MVA 5 Western-Southern Life Assurance Company Acclaim 5-Year Acclaim 5-Year ROP SmartSelect 5 SmartSelect 5 Version 2

6 Year MYGAs

AIG American Pathway SolutionsMYG 6 American Pathway VisionMYG 6 American Equity Investment Life Insurance Company Guarantee 6 (ICC13 MYGA) American Equity Investment Life Insurance Company Of NY NY Eagle Platinum Non MVA 6 (10% W/D) NY Eagle Platinum Non MVA 6 (Interest Only) American General Life Insurance Company American Pathway SolutionsMYG 6 American Pathway VisionMYG 6 American National Insurance Company Palladium MYG Annuity 6 American National Life Insurance Company of NY Palladium MYG 6 NY Athene Annuity & Life Assurance Company of New York Athene MYG 6 - NY Citizens Athene MYG ROP 6- NY Citizens Athene IA Athene MYG 6 Citizens Athene MYG 6 MVA Citizens Athene MYG 6 ROP Citizens Atlantic Coast Life Safe Haven 6 Safe Haven 6 - 86-90 Safe Haven 6 FL EquiTrust Life Insurance Company Certainty Select 6 Guaranty Income Life Guaranty Rate Lock 6 Guaranty Rate Lock 6 (Non MVA) Guardian Insurance & Annuity Co. Guardian Fixed Target Annuity 6 Guggenheim Life and Annuity Company Preserve MYGA 6 Manhattan Life Insurance Company Preferred Choice 6 Preferred Choice 6 NY & CA Nassau Life and Annuity Company Nassau Simple Annuity 6 National Integrity Life Insurance SmartSelect 6 NY SmartSelect 6 NY Version 2 Nationwide Life Insurance Company Platinum Edge 6 New York Life Insurance and Annuity Corporation Secure Term Choice II (6-Year) Secure Term MVA II (6-Year) Secure Term V (6-Year) Oceanview Life and Annuity Harbourview 6 Oxford Life Insurance Company Multi-Select 6 Pacific Guardian Life Diamond Head 6 Protective Life And Annuity (NY) Smart Saver 6 NY Sagicor Life Insurance Company Milestone MYGA 6 Milestone MYGA 6 CA Milestone MYGA 6 FL The United States Life Insurance Co. (NY) American Pathway SolutionsMYG 6 United Life Insurance Company Access SPDA-6 Western United Life Discovery 6 Discovery 6 CA Western-Southern Life Assurance Company SmartSelect 6 SmartSelect 6 Version 2

7 Year MYGAs

AIG AIG Optimum Selection 7 AIG Optimum Selection 7 GROP American Pathway Fixed 7 Annuity - GROP American Pathway Fixed 7 Annuity - GROP with MVA American Pathway Fixed 7 Annuity - No GROP American Pathway Fixed 7 Annuity - No GROP with MVA American Pathway SolutionsMYG 7 American Pathway VisionMYG 7 The Structure Annuity 7 The Structure Annuity 7 GROP American Equity Investment Life Insurance Company Guarantee 7 (ICC13 MYGA) American Equity Investment Life Insurance Company Of NY NY Eagle Platinum Non MVA 7 (10% W/D) NY Eagle Platinum Non MVA 7 (Interest Only) American General Life Insurance Company American Pathway SolutionsMYG 7 American Pathway VisionMYG 7 Assured Edge Income Builder American National Insurance Company Palladium MYG Annuity 7 American National Life Insurance Company of NY Palladium MYG 7 NY Athene Annuity & Life Assurance Company of New York Athene Max Rate 7 MYGA - NY Athene MYG 7 - NY Athene MYG ROP 7 - NY Athene IA Athene Max Rate 7 Athene Max Rate 7 LITE Athene MYG 7 Athene MYG 7 MVA Athene MYG 7 ROP Atlantic Coast Life Safe Haven 7 Safe Haven 7 - 86-90 Safe Haven 7 FL Brighthouse Life Insurance Company Fixed Rate Annuity 7 Fixed Rate Annuity 7 MVA Fixed Rate Annuity 7 ROP Capitol Life Insurance Company Bankers 7 Bankers 7 Premier Bankers Elite 7 Capitol Advantage 7 CUNA Mutual MaxProtect Annuity 7 MaxProtect Annuity 7 MVA MaxProtect Annuity 7 ROP Delaware Life Apex MYGA 7 Pinnacle MYGAsm 7 Year Pinnacle MYGAsm 7 Year (DE & FL) Fidelity & Guaranty Life F&G Secure MYGA 7 FG Guarantee-Platinum 7 First Symetra Nat’l Life Ins Co of NY First Symetra Custom 7 First Symetra Custom 7 (ROP) Symetra Select 7 Symetra Select 7 (ASH) Symetra Select 7 (FIG) Symetra Select 7 GROP Symetra Select 7 GROP (ASH) Symetra Select 7 GROP (FIG) Global Atlantic Financial Group SecureFore 7 SecureFore 7 ROP Great American Life Insurance Company American Freedom Aspire 7 American Freedom Stars & Stripes® 7 (MVA) American Freedom Stars & Stripes® 7 (Non MVA) SecureGain 7 SecureGain 7 No MVA Guaranty Income Life Guaranty Rate Lock 7 Guaranty Rate Lock 7 (Non MVA) RateWise Annuity 7 Year RateWise Annuity 7 Year (Liquidity) Guggenheim Life and Annuity Company Preserve MYGA 7 ProOption MYGA 7 with ROP Integrity Life Insurance Company MultiVantage 7 New Momentum 7 SPDA Series II 7 Jackson National Life RateProtector 7 Jackson National Life of New York RateProtector 7 NY Liberty Bankers Life Bankers 7 Bankers 7 Premier Bankers Elite 7 Lincoln Financial Group Lincoln MYGuarantee Plus 7 Lincoln MYGuarantee Plus 7 (CA) Lincoln Life & Annuity Company of New York Lincoln MYGuaranteesm Plus 7 Manhattan Life Insurance Company Preferred Choice 7 Preferred Choice 7 NY & CA Premium Preferred 7 Premium Preferred 7 NY & CA Midland National Life Guarantee Ultimate 7 MNL Guarantee Pro 7 Midland National Life (Sammons Retirement Solutions) LiveWell Guarantee Annuity 7 LiveWell Guarantee Max 7 Mutual of Omaha Ultra - Secure Plus 7 Ultra Premier 7 Nassau Life and Annuity Company Nassau MYAnnuity 7X 0% Free Nassau MYAnnuity 7X 10% Free National Integrity Life Insurance AnnuiQuest 7 MultiVantage 7 New Momentum 7 SmartSelect 7 NY SmartSelect 7 NY Version 2 Nationwide Life Insurance Company Platinum Edge 7 Quatro Select 7 Quatro Select 7 ROP Secure Growth 7 Secure Growth 7 (NY) Secure Growth 7 MVA Secure Growth 7 ROP Secure Growth 7 ROP (NY) New York Life Insurance and Annuity Corporation Clear Income Fixed Annuity - FP Book Value Clear Income Fixed Annuity - FP MVA Secure Term Choice II (7-Year) Secure Term MVA II (7-Year) Secure Term V (7-Year) North American Company NAC Guarantee Plus 7 Oceanview Life and Annuity Harbourview 7 Oxford Life Insurance Company Multi-Select 7 Pacific Guardian Life Diamond Head 7 Pacific Life & Annuity Company (NY) Pacific Expedition II 7 NY Pacific Life Insurance Company Pacific Expedition II 7 Protective Life Income Creator Secure Saver 7 Protective Life And Annuity (NY) Smart Saver 7 NY Reliance Standard Life Reliance Guarantee - 7 S.USA Life Insurance Company, Inc. Select Choice® 1 (7) Year Plan Base Policy Select Choice® 2 (7) Year Plan (Base + ROP) Select Choice® 3 (7) Year Plan (Base + PFW) Select Choice® 4 (7) Year Plan (Base + ROP + PFW) Sagicor Life Insurance Company Milestone MYGA 7 Milestone MYGA 7 CA Milestone MYGA 7 FL SBLI USA Select Choice 1 (7) Base Policy Select Choice 2 (7) Base Policy + ROP Select Choice 3 (7) Base Policy + PFW Select Choice 4 (7) Base Policy + ROP + PFW Securian Financial SecureOption Choice 7 SecureOption Choice 7 CA SecureOption Focus 7 Security Benefit Life Advanced Choice 7 Sentinel Security Life Insurance Company Personal Choice Annuity 7 Personal Choice Annuity 7 (CA, FL) Personal Choice Annuity 7 86-90 Personal Choice Annuity 7 MN Personal Choice Annuity 7 MN 86-90 Symetra Life Insurance Company Symetra Custom 7 (No ROP) Symetra Custom 7 (ROP) Symetra Select 7 Symetra Select 7 (ASH) Symetra Select 7 (FIG) Symetra Select 7 GROP Symetra Select 7 GROP (ASH) Symetra Select 7 GROP (FIG) Symetra Select 7 (PNC) The Standard BB&T Focused Growth Annuity 7 CBSI Focused Growth Annuity 7 FC Multi-Choice 7 FC Multi-Choice 7 10% Withdrawal Provision FC Multi-Choice 7 10% Withdrawal Provision ROP FC Multi-Choice 7 Interest Only Withdrawals Focused Growth Annuity 7 Focused Growth Annuity 7 (Blue Series) Multi-Choice 7 Multi-Choice 7 10% Withdrawal Provision Multi-Choice 7 10% Withdrawal Provision ROP Multi-Choice 7 Interest Only Withdrawals RJ Focused Growth Annuity 7 TD Focused Growth Annuity 7 The United States Life Insurance Co. (NY) American Pathway 7 - 7 Year GROP NY American Pathway 7 - 7 Year Non GROP NY American Pathway Fixed 7 Plus NY American Pathway Fixed 7 Plus NY GROP American Pathway SolutionsMYG 7 Assured Edge Income Builder Thrivent MYGA 7 MYGA 7 ROP United Life Insurance Company Performance SPDA-7 Performance SPDA-7 w/10% Western United Life Discovery 7 Discovery 7 CA Discovery Plus 7 Future Select 7 Future Select 7 CA Navigator Elite MVA 7 Navigator Ultra MVA 7 Western-Southern Life Assurance Company MultiRate (Option 5) 7 MultiRate (Option 6) 7 MultiRate (Option 7) 7 MultiRate (Option E) 7 SmartSelect 7 SmartSelect 7 Version 2

8 Year MYGAs

American National Insurance Company Palladium MYG Annuity 8 EquiTrust Life Insurance Company Certainty Select 8 Guaranty Income Life Guaranty Rate Lock 8 Guaranty Rate Lock 8 (Non MVA) Guggenheim Life and Annuity Company Preserve MYGA 8 Nationwide Life Insurance Company Platinum Edge 8 New York Life Insurance and Annuity Corporation Secure Term Choice (8-Year) Secure Term MVA (8-Year) Oxford Life Insurance Company Multi-Select 8 Pacific Guardian Life Diamond Head 8

9 Year MYGAs

American National Insurance Company Palladium MYG Annuity 9 Capitol Life Insurance Company Bankers Elite 9 Guaranty Income Life Guaranty Rate Lock 9 Guaranty Rate Lock 9 (Non MVA) Guggenheim Life and Annuity Company Preserve MYGA 9 Liberty Bankers Life Bankers Elite 9 Nationwide Life Insurance Company Platinum Edge 9 Oxford Life Insurance Company Multi-Select 9 Pacific Guardian Life Diamond Head 9 Royal Neighbors of America MYGA 9 Year CA Securian Financial SecureOption Choice 9 SecureOption Choice 9 CA

10 Year MYGAs

AIG American Pathway SolutionsMYG 10 American Pathway VisionMYG 10 American General Life Insurance Company American Pathway SolutionsMYG 10 American Pathway VisionMYG 10 Assured Edge Income Achiever American National Insurance Company Palladium MYG Annuity 10 American National Life Insurance Company of NY Palladium MYG 10 NY Atlantic Coast Life Safe Haven 10 Safe Haven 10 - 86-90 Safe Haven 10 FL EquiTrust Life Insurance Company Certainty Select 10 Guaranty Income Life Guaranty Rate Lock 10 Guaranty Rate Lock 10 (Non MVA) Guggenheim Life and Annuity Company Preserve MYGA 10 ProOption MYGA 10 with ROP Integrity Life Insurance Company MultiVantage 10 Lincoln Financial Group Lincoln MYGuarantee Plus 10 Lincoln MYGuarantee Plus 10 (CA) Lincoln Life & Annuity Company of New York Lincoln MYGuaranteesm Plus 10 Midland National Life Guarantee Ultimate 10 Midland National Life (Sammons Retirement Solutions) LiveWell Guarantee Annuity 10 National Integrity Life Insurance MultiVantage 10 New Momentum 10 Nationwide Life Insurance Company Platinum Edge 10 Oceanview Life and Annuity Harbourview 10 Oxford Life Insurance Company Multi-Select 10 Pacific Guardian Life Diamond Head 10 Reliance Standard Life Reliance Guarantee - 10 Royal Neighbors of America MYGA 10 Year Sentinel Security Life Insurance Company Personal Choice Annuity 10 Personal Choice Annuity 10 (CA, FL) Personal Choice Annuity 10 86-90 Personal Choice Annuity 10 MN Personal Choice Annuity 10 MN 86-90 The Standard Focused Growth Annuity 10 Focused Growth Annuity 10 (Blue Series) Thrivent MYGA 10 MYGA 10 ROP Western Catholic Union 10-Year MYGA

20 Year MYGAs

Atlantic Coast Life Safe Haven 20 Safe Haven 20 FL Safe Haven 20 70-75

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