MYGA Rates

Interest Rate Banded By Premium: 

Carrier Ratings:

• A+ by A.M. 

California rates 0.10% lower

3 Year Term:

• 3.25% For 3 Years ($100,000+)
• 3.15% For 3 Years ($25,000 -$99,999)

5 Year Term:

• 3.25% For 5 Years ($100,000+) 
• 3.10% For 5 Years ($25,000 -$99,999)

7 Year Term:

• 3.35% For 7 Years ($100,000+) 
• 3.20% For 7 Years ($25,000 -$99,999)

9 Year Term:

• 3.50% For 9 Years ($100,000+)
• 3.35% For 9 Years ($25,000 -$99,999)

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)