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MYGA Rates

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

Basic Details & Features

Interest Rates: 

  • 3 Year: 2.60% (2.55% in CA)
  • 5 Year: 2.75% (2.60% in CA)
  • 6 Year: 2.75% (2.60% in CA)
  • 7 Year: 2.80% (2.70% in CA)
    (New York and California Rates Lower)

Guaranteed Periods:

  •  3, 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

States NOT approved in:

  • ND, ME, 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: 1.20% (0-90), 0.80% (91-99)
  • 5 Year: 2.00% (0-84)
  • 6 Year: 2.20% (0-84)
  • 7 Year: 2.40% (0-84)  

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A+ Rated | MYGA Rate

Welcome

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)  

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FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, GA, 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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