FSD Insurance Services - Independent Fixed Annuity & Life Insurance Wholesaler

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  • Home
  • Deferred Annuity
    • Request A MYGA Quote
    • Deferred Annuity Quotes
    • Split Annuity Quote
    • Calculator MYGA Compound
    • Annuity Ladder Calculator
    • Savings Comparison Quote
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • QLAC Illustrations
    • SPIA With Liquidity
    • Types Of SPIA
    • SPIA Commission
    • Certain Only Return Rate
    • Installment Refund Period
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    • Single Primum IUL Info
  • Agent Area
    • LICENSING & CONTRACTING
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    • Annuity webinars training
    • Carrier Contests & Bonus
    • FSD-Spreads-Downloads
    • Specimen Contracts
    • News Keep Aware Of
  • About Us
    • Who we are
    • Contact Us
    • Annuity Blog By Jeff
    • Disclaimer - Terms Of Use

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Check out these MYGA rates!

Choose A MYGA Rate Guarantee of 3, 5, & 7 Years

Basic Details & Features

Company Ratings: 

  • (B++) by AM Best
  • (B-) by Weiss

Interest Rates 

  • 3 Year: 5.05% 
  • 5 Year: 5.45% 
  • 7 Year: 5.45% 

Guaranteed Periods: 

  • 3, 5 or 7  Years 

Repeating Surrender Charges +/- MVA: 

  • 3 Years: 9%, 8%, 7%, 
  • 5 Years: 9%, 8%, 7%, 6%, 5%, 
  • 7 Years: 9%, 8%, 7%, 6%, 5%, 4%, 3%,
    30 day exit windows then renews

Minimum Premium: 

  • $10,000 

Issue Age: 

  • 0-75 

Not approved in: 

  • CA, NY, PR, SD

Free Withdrawal: 

  • None

Death Benefits: 

  • Surrender Valued On Death 

Commission: 

  • 3 Year: 1.10% (0-75)
  • 5 Year: 1.50% (0-75)
  • 7 Year: 1.80% (0-75)


Request an agent kit:

Would you like more information on this MYGA?

Get started here!

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We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

28720 Roadside Drive, #126 Agoura Hills, California 91301, United States

800-373-9697

3, 5 or 7 Year Fixed Rates

Choose A MYGA Rate Guarantee of 3, 5 & 7 Years

Basic Details & Features

 Company Ratings: 

  • (B++) by AM Best
  • (B-) by Weiss

Interest Rates 

  • 3 Year: 4.85% 
  • 5 Year: 5.30% 
  • 7 Year: 5.30% 

Guaranteed Periods: 

  • 3, 5, 7 Years 

Surrender Charges +/- MVA: 

  • 3 Years: 8%, 7%, 6%, 0% Thereafter
  • 5 Years: 8%, 7%, 6%, 5%, 4%, 0% Thereafter
  • 7 Years: 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0% Thereafter

Minimum Premium: 

  • $10,000 

Issue Age: 

  • 0-97 on 3 year
  • 0-84 on 5 & 7 year

Not approved in: 

  • CA, NY, PR, SD

Free Withdrawal: 

  • 10% Per Contract Year 
  • not RMD friendly over 10% charges apply

Death Benefits: 

  • Full Contract Valued On Death 

Commission: 

  • 3 Year: 1.10% (0-80), 0.75% (81-90), 0.60% (91-97) 
  • 5 Year: 1.50% (0-84),
  • 7 Year: 1.80% (0-84)

Would you like more information on this MYGA?

Get started here!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

800-373-9697

5 or 7 Year Fixed Rates

Choose A MYGA Rate Guarantee of 5 & 7 Years

Basic Details & Features

 Company Ratings: 

  • (B++) by AM Best
  • (B-) by Weiss

Interest Rates 

  • 5 Year: 4.40% 
  • 7 Year: 4.60% 

Guaranteed Periods: 

  • 5, 7 Years 

Surrender Charges (No MVA)

  • 5 Years: 8%, 7%, 6%, 5%, 4%, 0% Thereafter
  • 7 Years: 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0% Thereafter

Minimum Premium: 

  • $10,000 

Issue Age: 

  • 0-90 on 5 year
  • 0-84 on 7 year

Not approved in: 

  • CO, DE, FL, ME, MN, NY, PR, SD, WY

Free Withdrawal: 

  • 15% Per Contract Year

Return Of Premium

  • The return of the initial single premium paid, minus any partial surrenders taken.

Death Benefits: 

  • Full Contract Valued On Death 

Commission: 

  • 5 Year: 1.50% (0-79), 0.75% (80-90)
  • 7 Year: 1.80% (0-84)

Would you like more information on this MYGA?

Get started here!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

800-373-9697

MYGA 3, 5, 6 or 7 Years

Choose A MYGA Rate Guarantees - 3, 5, 6 or 7 Years

Basic Details & Features

 Company Ratings: 

  • (B++) by AM Best
  • (B-) by Weiss

Interest Rates: (California rates are 0.10% lower)

  • 3 Year: 4.45% (CA only) 
  • 5 Year: 4.70% 
  • 6 Year: 4.70% 
  • 7 Year: 4.75% 

Guaranteed Periods: 

  • 3 year only available in CA and SD
  • 5, 6 or 7 Years 

Surrender Charges - NO MVA: 

  • 3 Years: 6%, 5%, 4%, 0% Thereafter
  • 5 Years: 8%, 7%, 6%, 5%, 4%, 0% Thereafter
  • 6 Years: 8%, 7%, 6%, 5%, 4%, 3%, 0% Thereafter
  • 7 Years: 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0% Thereafter

Minimum Deposit: 

  • 3, 5 and 7 Year: $10,000
  • 6 Year: $25,000 

Issue Age: 

  • 3 Year: 0-99
  • 5, 6 and 7 Year: 0-84

Not approved in: 

  • CO, ME, NY, PR, SD, WY

Free Withdrawal:

  • 3 Year: Accumulated Interest or RMD Only
  • 5, 6 and 7 Year: 15% Per Calendar Year

Death Benefits: 

  • Full Death Benefit 

Commission: 

  • 3 Year:
    1.10% (0-80), 0.75% (81-90), 0.60% (91-99)
  • 5 Year:
    1.50% (0-84)
  • 6 Year:
    1.65% (0-84)
  • 7 Year:
    1.80% (0-84)  

Would you like more information on this MYGA?

Get started here!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

28720 Roadside Drive, #126 Agoura Hills, California 91301, United States

800-373-9697

MYGA 5 or 7 Years

Choose A MYGA Rate Guarantees -3, 5, or 7 Years

Basic Details & Features

 Company Ratings: 

  • (B++) by AM Best
  • (B-) by Weiss

Interest Rates::

  • 3 Year: 4.55%
  • 5 Year: 4.90%
  • 7 Year: 4.90%

Guaranteed Periods: 

  • 3, 5 or 7 Years 

Surrender Charges - NO MVA: 

  • 3 Years: 6%, 5%, 4%, 0% Thereafter
  • 5 Year: 8%, 7%, 6%, 5%, 4%, 0% Thereafter
  • 7 Year: 8%, 7%, 6%, 5%, 4%, 3%, 2%, 0% Thereafter

Minimum Deposit: 

  • 3, 5 and 7 Year: $10,000
  • 6 Year: $25,000 

Issue Age: 

  • 3 Year 0-99
  • 5 and 7 Year: 0-84

Not approved in: 

  • CA, NY, PR

Free Withdrawal:

  • Accumulated Interest or RMD Only

Death Benefits: 

  • Full Death Benefit 

Commission: 

  • 3 Year:
    1.11% (0-80) | 0.75% (81-90) | 0.60% (91-99)
  • 5 Year:
    1.50% (0-84)
  • 7 Year:
    1.80% (0-84)  

Find out more

Would you like more information on this MYGA?

Get started here!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise  

FSD Financial Services Fixed Annuities and Life

28720 Roadside Drive, #126 Agoura Hills, California 91301, United States

800-373-9697

FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 

NON RESIDENT LICENSEs: AZ, CO, CT, DE, FL, HI, ID, IL, IA, LA, MD, MI, NC, NV, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI


No information on this site is for use in New York or Puerto Rico.


Copyright © 2025 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change at anytime

state variations in surrender charges and interest rates - Be Aware


Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers | Website by Jeff Affronti 

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