1 MYGA - 5 Interest Rate Terms

Interest Rates Based On Initial Premium:

Company Ratings: 

• A- by A.M. Best 

3 Year Guarantee:

• 3.50% ($100,000+) 
• 3.25% ($50,000 - $99,999)
• 2.50% ($15,000 - $49,999)
• California rates 0.05% lower

4 Year Guarantee:

• 3.70% ($100,000+)
• 3.45% ($50,000 - $99,999)
• 2.90% ($15,000 - $49,999)
• California rates 0.05% lower

5 Year Guarantee:

• 3.85% ($100,000+) 
• 3.60% ($50,000 - $99,999)
• 3.15% ($15,000 - $49,999)
• California rates 0.05% lower

6 Year Guarantee:

• 3.85% ($100,000+)
• 3.65% ($50,000 - $99,999)
• 3.30% ($15,000 - $49,999)
• California rates 0.05% lower (6 year not approved in FL)

7 Year Guarantee:

• 3.85% ($100,000+)
• 3.70% ($50,000 - $99,999)
• 3.35% ($15,000 - $49,999)
• California rates 0.05% lower

Guaranteed Period: 

• Choose guarantee period of 3, 4, 5, 6 or 7 years

Surrender Charges With MVA: 

• 3 Years Recurring
  9%, 8%, 7%, 30 day window
• 4 Years
  Recurring 9%, 8%, 7%, 6% 30 day window 
• 5 Years Recurring
  9%, 8%, 7%, 6%, 5% 30 day window
• 6 Years Recurring
  9%, 8%, 7%, 6%, 5%,4%, 30 day window 
• 7 Years Recurring
  9%, 8%, 7%, 6%, 5%,4%, 3%, 30 day window

All have a 30 Day Exit Windows then surrender charges will renew.

Minimum Deposit: 

• $15,000 ($750,000 Maximum)

Issue Age:

• 15 days - 90 years old

States NOT approved in: 

• CT, MT, NY 
• California and Florida rates can be lower

Free Withdrawal: 

• 10% Free Withdrawal Provision after first contract year
• not RMD friendly over 10% charges apply

Death Benefits: 

• Full Death Benefit

Commission: 

More for E-App applications!

• 3 Year:
  E-APP: 1.85% ages 0-80 | 1.35% 81 -85 | 1.10% 86 -90
  Paper: 1.35% ages 0-80 | 0.85% 81 -85 | 0.60% 86 -90
• 4 Year:  
  E-APP: 2.00% ages 0-80 | 1.35% 81 -85 | 1.00% 86 -90
  Paper: 1.50% ages 0-80 | 0.85% 81 -85 | 0.50% 86 -90 
• 5 Year:
  E-APP: 2.50% ages 0-80 | 1.75% 81 -85 | 1.25% 86 -90  
  Paper: 2.00% ages 0-80 | 1.25% 81 -85 | 0.75% 86 -90  
• 6 Year:  
  E-APP: 2.50% ages 0-80 | 1.85% 81 -85 | 1.25% 86 -90
  Paper: 2.00% ages 0-80 | 1.35% 81 -85 | 0.75% 86 -90  
• 7 Year:
  E-APP: 2.60% ages 0-80 | 2.10% 81 -85 | 1.35% 86 -90  
  Paper: 2.10% ages 0-80 | 1.60% 81 -85 | 0.85% 86 -90  
  

Waivers:

• Call

Get An Agent Kit:

• Click Here