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  • Home
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    • Request A MYGA Quote
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MYGA Rates 3, 5 or 7 Years

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

Basic Details & Features

Company Ratings:

  • (A+) by AM Best 
  • (A+) by Standard & Poor's 
  • (A1) by Moody's
  • (C) by Weiss
  • (82) Comdex

Interest Rates in MOST STATES: 

  • 3 Year:
    4.85% $100,000+
    4.60% $10,000 - $99,999 
  • 5 Year:
    5.30% $100,000+
    5.05% $10,000 - $99,999  
  • 7 Year:
    5.30% $100,000+
    5.05% $10,000 - $99,999  

Interest Rates ONLY in AK,CA,CT,DE,HI,ID,MD,MN,MO,NJ,NV,OH,OK,OR,PA,SC,TX,UT,WA 

  • 3 Year:
    4.85% $100,000+
    4.60% $10,000 - $99,999 
  • 5 Year:
    5.25% $100,000+
    5.00% $10,000 - $99,999 
  • 7 Year:
    5.25% $100,000+
    5.00% $10,000 - $99,999 

Guaranteed Periods:

  •  3, 5, or 7 Years 

Surrender Charges MOST STATES

  • 3 Years: 10%, 10%, 10%, 0%
  • 5 Years: 10%, 10%, 10%, 10%, 10%, 0%
  • 7 Years: 10%, 10%, 10%, 10%, 10%, 10%, 10%, 0%
  • +/- MVA:

Surrender Charges: ONLY in AK,CT,DE,HI,MD,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA 

  • 3 Years: 9.3%, 8.4%, 7.5%, 
  • 5 Years: 9.3%, 8.4%, 7.5%, 6.6%, 5.7%
  • 7 Years: 9.3%, 8.4%, 7.5%, 6.6%, 5.7%, 4.7%, 3.8%
  • +/- MVA:

Surrender Charges: ONLY in California 

  • 3 Years: 8.3%, 7.3%, 6.3%, 
  • 5 Years: 8.3%, 7.3%, 6.3%, 5.3%, 4.2%
  • 7 Years: 8.3%, 7.3%, 6.3%, 5.3%, 4.2%, 3.2%, 2.1%
  • +/- MVA:

Premiums: 

  • $10,000 - $1,000,000 

Issue Age: 

  • 3 Year: 0-85
  • 5 and 7 Year: 0-83

States NOT approved in:

  • NY

Free Withdrawal:  

  • Each Contract Year, can withdraw up to amount equal to the Multi-Year Fixed Strategy Rate multiplied by Accumulated Value 
  • RMD Friendly

Death Benefits:

  • Full Death Benefit

Waivers (not available in California):

  • Confinement Waiver
  • Terminal Illness Waiver 

Commission: 

  • 3 Year:
    1.30% (0-75),
    0.90 (76-80)
    0.40% (81+)
  • 5 Year:
    2.00% (0-75),
    1.80% (76-80)
    1.10% (81+)
  • 7 Year:
    2.50% (0-75),
    2.25% (76-80)
    1.30% (81+)

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A+ Rated | MYGA Rate

Carrier Ratings:

  • (A+) by AM Best 
  • (AA-) by Standard & Poor's 
  • (Aa3) by Moody's
  • (B-) by Weiss
  • (96) Comdex

3 Year Term: 

  • 4.65% ($500,000+) 
  • 4.50% ($100,000 - $499,999) 
  • 4.35 ($25,000 -$99,999)

5 Year Term: 

  • 5.00% ($500,000+)
  • 4.80% ($100,000 - $499,999) 
  • 4.65% ($25,000 -$99,999)

7 Year Term:

  • 5.05% ($500,000+)
  • 4.90% ($100,000 - $499,999) 
  • 4.75% ($25,000 -$99,999)

9 Year Term: 

  • 5.10% ($500,000+)
  • 5.00% ($100,000 - $499,999) 
  • 4.85% ($25,000 -$99,999)

California rates 0.10% lower

Guaranteed Periods:

  • Initial: 3, 5, 7, or 9 years Thereafter: 1 year guarantee period

Surrender Charges: Matches guarantee period chosen:

  • 3-Year (% = 9, 8, 7, 0)
  • 5-Year (% = 9, 8, 7, 6, 5, 0)
  • 7-Year (% = 9, 8, 7, 6, 5, 4, 3, 0)
  • 9-Year (% = 9, 8, 7, 6, 5, 4, 3, 2, 1, 0)
    +/- MVA during the initial guarantee period  

Minimum Deposit:

  • $25,000

Issue Age:

  • 0-90 

States NOT approved in:

  • NY (CA rates lower)

Free Withdrawal:

  • 10% of prior anniversary value | RMD OK
    Qualifying withdrawals under medical care stay or terminal condition waiver 

Death Benefits:

  • Full Contract Value Death Benefit  

Waivers:

  • After 1st anniversary for the following qualifying events
    Hospital, medical care stay (confinement of at least 90 days)
    Terminal condition (life expectancy of 12 months or less)  

Commission:

  • 3 Year: 1.50% (Ages 0-80) | 0.50% - (81-85) | 0.25% - (86-90) 
  • 5 Year: 2.25% (Ages 0-80) | 0.75% - (81-85) | 0.35% - (86-90)  
  • 7 & 10 Years: 2.00% - (Ages 0-80) | 0.75% - (81-85) | 0.35% - (86-90)  

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A+ Rated Carrier MYGA

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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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