FSD Insurance & Financial Services - Independent Fixed Annuity & Life Insurance IMO

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  • Home
  • Deferred Annuity
    • MYGA Rates
    • Request A MYGA Quote
    • Split Annuity Quote
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    • Detailed SPIA Quote Form
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    • Indexed Rate Sheets
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Check out these MYGA rates!

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

Basic Details & Features

Interest Rates 

  • 3 Year: 4.60% 
  • 5 Year: 5.20% 
  • 7 Year: 5.40% 

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 

Company Ratings: 

  • B+ by A.M. Best

Commission: 

  • 3 Year: 1.48% (0-75)
  • 5 Year: 2.00% (0-75)
  • 7 Year: 2.40% (0-75)


Request an agent kit:

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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

Interest Rates 

  • 3 Year: 4.40% 
  • 5 Year: 5.05% 
  • 7 Year: 5.15% 

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 

Company Ratings: 

  • B+ by A.M. Best

Commission: 

  • 3 Year: 1.48% (0-80), 1.00% (81-90), 0.80% (91-97) 
  • 5 Year: 2.00% (0-84),
  • 7 Year: 2.40% (0-84)

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

800-373-9697

5 or 7 Year Fixed Rates

Choose A MYGA Rate Guarantee of 5 & 7 Years

Basic Details & Features

Interest Rates 

  • 5 Year: 4.25% (.4.15% in CA) 
  • 7 Year: 4.35% (4.25% in CA) 

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: 

  • DE, FL, MN, NY, PR

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 

Company Ratings: 

  • B+ by A.M. Best

Commission: 

  • 5 Year: 2.00% (0-79), 1.00% (80-90)
  • 7 Year: 2.40% (0-84)

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

800-373-9697

MYGA 3, 5, 6 or 7 Years

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

Basic Details & Features

Interest Rates: (California rates are 0.10% lower)

  • 3 Year: 4.00% (CA only) 
  • 5 Year: 4.50% (4.40% in CA)
  • 6 Year: 4.50% (4.40% in CA)
  • 7 Year: 4.60% (4.50% in CA)

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: 

  • NY, PR

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:
    1.48% (0-80), 1.00% (81-90), 0.80% (91-99)
  • 5 Year:
    2.00% (0-84)
  • 6 Year:
    2.20% (0-84)
  • 7 Year:
    2.40% (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 - 5, or 7 Years

Basic Details & Features

Interest Rates::

  • 3 Year: 4.10%
  • 5 Year: 4.65%
  • 7 Year: 4.75%

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, 6 and 7 Year: 0-84

Not approved in: 

  • CA, NY, PR, SD

Free Withdrawal:

  • Accumulated Interest or RMD Only

Death Benefits: 

  • Full Death Benefit 

Commission: 

  • 3 Year:
    1.48% (0-80) | 1.00% (81-90) | 0.80% (91-99)
  • 5 Year:
    2.00% (0-84)
  • 7 Year:
    2.40% (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

FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

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