Myga Rates - Deferred Annuity

Guarantee your clients a gain every year - AGENT USE ONLY

MYGA Rates as of 10/03/2022 - Rates not available in all states. High Band / Initial Premium amounts

No Surrender (for non-profits only)

2.60% Interest Rate- No Surrender Charge FPDA

2 Year Interest Rate Guarantees

3.50% Interest Rate - GBU | "A-" Rated
3.15% Interest Rate - SILAC | "B+" Rated
2.60% Interest Rate - SILAC | "B+" Rated

3 Year Interest Rate Guarantees

4.20% Interest Rate - Oxford | "A" Rated
4.20% Interest Rate - Mass Mutual Ascend | "A+" Rated
4.20% Interest Rate - American Century | NR Rated
4.15% Interest Rate - Liberty Bankers | "A-" Rated
4.05% Interest Rate - American National | "A" Rated
4.05% Interest Rate - Clear Spring | "A-" Rated
4.00% Interest Rate - Liberty Bankers | "A-" Rated
3.95% Interest Rate - Guarantee Income Life | "B++" Rated
3.90% Interest Rate - Sagicor | "A-" Rated
3.70% Interest Rate - American Equity | "A-" Rated
3.65% Interest Rate - GBU | "A-" Rated
3.60% Interest Rate - Standard | "A" Rated
3.45% Interest Rate - WU | "B+" Rated
3.35% Interest Rate - WU | "B+" Rated
3.25% Interest Rate - Minnesota | "A+" Rated
3.10% Interest Rate - RNA | "A" Rated
3.10% Interest Rate - Equitrust | "B++" Rated
3.05% Interest Rate - WU | "B+" Rated
2.60% Interest Rate - Manhattan | "B+" Rated

4 Year Interest Rate Guarantees

5.05% Interest Rate - Western & Southern | "A+" Rated
4.50% Interest Rate - Oxford | "A" Rated
4.25% Interest Rate - Oceanview | "A-" Rated
4.10% Interest Rate - Sagicor | "A-" Rated
4.10% Interest Rate - Clear Spring | "A-" Rated
4.00% Interest Rate - American General | "A" Rated
3.80% Interest Rate - GBU | "A-" Rated
3.65% Interest Rate - Guarantee Income Life | "B++" Rated

5 Year Interest Rate Guarantees

4.95% Interest Rate - American Century | NR Rated
4.90% Interest Rate - Western & Southern | "A+" Rated
4.90% Interest Rate - Mass Mutual Ascend | "A+" Rated
4.65% Interest Rate - Sentinel Security | "B++" Rated
4.55% Interest Rate - Oceanview | "A-" Rated
4.55% Interest Rate - Nassau | "B++" Rated
4.40% Interest Rate - Oxford | "A" Rated
4.35% Interest Rate - Liberty bankers | "A-" Rated
4.35% Interest Rate - American National | "A" Rated
4.30% Interest Rate - GBU | "A-" Rated
4.25% Interest Rate - Sagicor | "A-" Rated
4.25% Interest Rate - Liberty Bankers | A- Rated
4.25% Interest Rate - AIG | "A" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
4.10% Interest Rate - American Equity | "A-" Rated
4.05% Interest Rate - Guarantee Income Life | "B++" Rated
4.00% Interest Rate - Standard | "A" Rated
4.00% Interest Rate - Equitrust | "B++" Rated
4.00% Interest Rate - SILAC | "B+" Rated
3.95% Interest Rate - Liberty Bankers | "A-" Rated
3.90% Interest Rate - WU | "B+" Rated
3.80% Interest Rate - WU | "B+" Rated
3.45% Interest Rate - SILAC | "B+" Rated
3.40% Interest Rate - WU | "B+" Rated
3.25% Interest Rate - WU | "B+" Rated
3.20% Interest Rate - RNA | "A" Rated
3.00% Interest Rate - Manhattan | "B+" Rated
3.00% Interest Rate - WU | "B+" Rated

6 Year Interest Rate Guarantees

4.80% Interest Rate - Oceanview | "A-" Rated
4.75% Interest Rate - Oxford | "A" Rated
4.40% Interest Rate - American National | "A" Rated
4.25% Interest Rate - Sagicor | "A-" Rated
4.25% Interest Rate - AIG | "A" Rated
4.20% Interest Rate - Equitrust | "B++" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
3.85% Interest Rate - Guarantee Income Life | "B++" Rated
3.30% Interest Rate - WU | "B+" Rated
3.15% Interest Rate - Manhattan | "B+" Rated

7 Year Interest Rate Guarantees

5.00% Interest Rate - American Century | NR Rated
4.99% Interest Rate - Mass Mutual Ascend | "A+" Rated
4.80% Interest Rate - Oceanview | "A-" Rated
4.74% Interest Rate - Western & Southern | "A+" Rated
4.70% Interest Rate - Sentinel Security | "B++" Rated
4.65% Interest Rate - Nassau | "B++" Rated
4.60% Interest Rate - Oxford | "A" Rated
4.40% Interest Rate - Liberty Bankers | "A-" Rated
4.40% Interest Rate - American National | "A" Rated
4.25% Interest Rate - Sagicor | "A-" Rated
4.25% Interest Rate - AIG | "A" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
4.10% Interest Rate - Standard | "A" Rated
4.00% Interest Rate - Liberty Bankers | "A-" Rated
4.00% Interest Rate - WU | "B+" Rated
3.85% Interest Rate - Guarantee Income Life | "B++" Rated
3.85% Interest Rate - WU | "B+" Rated
3.30% Interest Rate - WU | "B+" Rated
3.20% Interest Rate - Manhattan | "B+" Rated
3.05% Interest Rate - WU | "B+" Rated

8 Year Interest Rate Guarantees

4.85% Interest Rate - Oxford | "A" Rated
4.40% Interest Rate - American National | "A" Rated
4.25% Interest Rate - Equitrust | "B++" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
3.85% Interest Rate - Guarantee Income Life | "B++" Rated

9 Year Interest Rate Guarantees

4.70% Interest Rate - Oxford | "A" Rated
4.45% Interest Rate - Liberty Bankers | "A-" Rated
4.40% Interest Rate - American National | "A" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
3.85% Interest Rate - Guarantee Income Life | "B++" Rated

10 Year Interest Rate Guarantees

5.05% Interest Rate - American Century | NR Rated
4.80% Interest Rate - Oceanview | "A-" Rated
4.75% Interest Rate - Sentinel Security | "B++" Rated
4.70% Interest Rate - Western & Southern | "A+" Rated
4.70% Interest Rate - Oxford | "A" Rated
4.40% Interest Rate - American National | "A" Rated
4.30% Interest Rate - Equitrust | "B++" Rated
4.25% Interest Rate - AIG | "A" Rated
4.15% Interest Rate - Clear Spring | "A-" Rated
3.85% Interest Rate - Guarantee Income Life | "B++" Rated
3.25% Interest Rate - RNA | "A" Rated

Ratings by AM Best Company unless otherwise noted

Americo - Very hard to work with, they make many mistakes

Flex Premium NON-MYGA

2 Year:
3.00% Year 1 & 2.00% base - 1.25% Minimum Guarantee
2.50% Year 1 with a 1.50% base - Low 2 year surrender charge of 0.50% no MVA
3 Year:
3.25% Year 1 & 2.50% base - 1.50% Minimum Guarantee
5 Year:
3.75% Year 1 & 3.00% Base - 1.75% Contract Minimum - Issues to Age 95
8 Year:
4.10% Year 1 & 3.40% Base - 2.00% Contract Minimum - Issues to Age 95

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