AnnuityRateWatch Annuity Rate Watch

Multi Year Guarantee Annuities (MYGA) or CD Type Annuity

A MYGA is an annuity issued with a guaranteed interest rate period which is equal to the length of time that surrender charges last.

5 Year MYGA
Year 1 2 3 4 5 6
Interest Rate 5.00% 5.00% 5.00% 5.00% 5.00%  
Surrender Charges 5.00% 4.00% 3.00% 2.00% 1.00% None


A MYGA as show above has an Interest Rate Guarantee Period of 5 Years, the guaranteed interest rate for each year is 5.00%, and is guaranteed not to change for the length of the contract.

Withdrawal Provision is a feature of almost all MYGA's. This provision allows you to withdraw a percentage of your account value or your initial premium each policy year. For example if this MYGA had a 10% Free Withdrawal Provision at the end of each year you could withdraw up to 10% of your account value. For example: any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn. This is in addition to any penalties incurred as part of the annuity contract.


List of MYGA Products that We Track

Allianz Life Insurance Company of North America
Dominator Plus 10
Dominator Plus 5
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA)
Guarantee 5 (SPDA-MYGA) MVA
Guarantee 5 (SPDA-MYGA) MVA - WA
Guarantee 7 (SPDA-MYGA)
Guarantee 7 (SPDA-MYGA) MVA
American General Life Insurance Company
AG Horizon Achiever
AG HorizonSecure 5
AG HorizonSecure 7
AG HorizonSelect 10
AG HorizonSelect 5
AG HorizonSelect 5 (CA)
AG HorizonSelect 7
American National Insurance Company
Palladium MYG Annuity 10
Palladium MYG Annuity 5
Palladium MYG Annuity 6
Palladium MYG Annuity 7
Palladium MYG Annuity 8
Palladium MYG Annuity 9
American National Life Insurance Company of NY
Palladium MYG 10
Palladium MYG 5
Palladium MYG 6
Palladium MYG 7
Americo
Platinum Assure 5
Assurity Life
Secure 3
Secure 5
Secure 7
Athene Annuity
7 MYG
CUNA Mutual
Members Focus Fixed Annuity 6
Members Select Fixed Annuity II 10-Year
Members Select Fixed Annuity II 10-Year (No MVA)
Members Select Fixed Annuity II 5-Year
Members Select Fixed Annuity II 5-Year (No MVA)
Members Select Fixed Annuity II 7-Year
Members Select Fixed Annuity II 7-Year (No MVA)
EquiTrust Life Insurance Company
Certainty 10
Certainty 8
Certainty Select 10
Certainty Select 5
Certainty Select 6
Certainty Select 8
Fidelity & Guaranty Life
FG Guarantee-Platinum 3
FG Guarantee-Platinum 5
FG Guarantee-Platinum 7
FG Guarantee-Plus 3
FG Guarantee-Plus 5
FG Guarantee-Plus 7
First SunAmerica
FSA Flex 5
FSA Flex 7
FSA Security Builder 5 (Step Up)
Set Rate Annuity 10
Set Rate Annuity 7
Set Rate Annuity 8
Set Rate Annuity 9
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5
First Symetra Custom 5 (ROP)
First Symetra Custom 7
First Symetra Custom 7 (ROP)
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 5
SecureLiving Rate Saver 7
Great American Life Insurance Company
American Freedom Stars and Stripes 5
SecureGain 5
SecureGain 5 No MVA
SecureGain 7
SecureGain 7 No MVA
ING Annuity and Asset Sales
Guarantee Choice 10
Guarantee Choice 7
Integrity Life Insurance
Momentum Advantage 10
Momentum Advantage 4
Momentum Advantage 5
Momentum Advantage 7
MultiVantage 10
MultiVantage 4
MultiVantage 5
MultiVantage 7
New Momentum 10
SPDA Series II 7
Liberty Bankers Life
Bankers 1
Bankers 3
Bankers 5
Bankers 5 Premier
Bankers 5 Premier Plus
Bankers 7
Bankers 7 Premier
Life of the Southwest
RetireMax Secure 5
SureRate 2
Lincoln Financial Group
Lincoln ClassicSolutionSM Fixed
Lincoln Long-Term Care Fixed Annuity
Lincoln MYGuaranteesm Plus 10
Lincoln MYGuaranteesm Plus 5
Lincoln MYGuaranteesm Plus 6
Lincoln MYGuaranteesm Plus 7
Lincoln MYGuaranteesm Plus 8
Lincoln MYGuaranteesm Plus 9
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
Lincoln MYGuaranteesm Plus 5
Lincoln MYGuaranteesm Plus 6
Lincoln MYGuaranteesm Plus 7
Lincoln MYGuaranteesm Plus 8
Lincoln MYGuaranteesm Plus 9
MetLife Investors USA Insurance Company
Fixed Annuity FA 10
Fixed Annuity FA 5
Fixed Annuity FA 7
Fixed Annuity XG 7
Midland National Life
Dynamic Choice® 3
Dynamic Choice® 3 ROP
Dynamic Choice® 3 with IA
Dynamic Choice® 3 with IA & ROP
Dynamic Choice® 5
Dynamic Choice® 5 ROP
Dynamic Choice® 5 with IA
Dynamic Choice® 5 with IA & ROP
Guarantee Ultimate 10
Guarantee Ultimate 3
Guarantee Ultimate 4
Guarantee Ultimate 5
Guarantee Ultimate 6
Guarantee Ultimate 7
Guarantee Ultimate 8
Guarantee Ultimate 9
Minnesota Life
SecureOption Focus 7
SecureOption Select 5-Year
SecureOption Select 7-Year
SecureOption Select 9-Year
National Integrity Life Insurance
MultiVantage 10
MultiVantage 4
MultiVantage 5
MultiVantage 7
New Momentum 10
New Momentum 7
Nationwide Life and Annuity Insurance Company
Nationwide Platinum V® Plus
Nationwide Platinum V® Plus ROP
New York Life Insurance and Annuity Corporation
NYL Secure Term Choice Fixed Annuity II (5-Year)
NYL Secure Term Choice Fixed Annuity II (6-Year)
NYL Secure Term Choice Fixed Annuity II (7-Year)
North American Company
Guarantee Choice 10
Guarantee Choice 3
Guarantee Choice 4
Guarantee Choice 5
Guarantee Choice 6
Guarantee Choice 7
Guarantee Choice 8
Guarantee Choice 9
Oxford Life Insurance Company
Guarantee Annuity 5
Income Protector
Pacific Life
Pacific Explorer 6
Pacific Frontiers II 10-Year
Pacific Frontiers II 5-Year
Pacific Frontiers II 6-Year
Pacific Frontiers II 7-Year
Pacific Frontiers II 8-Year
Pacific Frontiers II 9-Year
Phoenix Life Insurance Company
Phoenix Select Plus® 10-year
Phoenix Select Plus® 7-year
Phoenix Select Plus® 4-year
Phoenix Select Plus® 5-year
Presidential Life
Secure 4
Secure 5
Secure 6
Principal Financial Group
Principal Guaranteed Annuity 5-Year Guaranty
Principal Secure Fixed Annuity 4-Year Guarantee
Principal Secure Fixed Annuity 6-Year Guarantee
Select Series 3
Select Series 4
Select Series 6
Select Series 9
Protective Life Corporation
FutureSaver II Annuity 10
FutureSaver II Annuity 10 (ROP)
FutureSaver II Annuity 5
FutureSaver II Annuity 5 (ROP)
FutureSaver II Annuity 6
FutureSaver II Annuity 6 (ROP)
FutureSaver II Annuity 7
FutureSaver II Annuity 7 (ROP)
FutureSaver II Annuity 8
FutureSaver II Annuity 8 (ROP)
FutureSaver II Annuity 9
FutureSaver II Annuity 9 (ROP)
ProSaver Platinum 10
ProSaver Platinum 15
ProSaver Platinum 5
ProSaver Platinum 6
ProSaver Platinum 7
ProSaver Platinum 8
ProSaver Platinum 9
ReliaStar Life Insurance Company
ING MVA Annuity 10
Royal Neighbors of America
Choice 3
Choice 5
Choice 6
Security Benefit Life
Lighthouse Select 5
Lighthouse Select 7
Sentinel Security Life Insurance Company
Personal Choice Annuity 10
Personal Choice Annuity 10 FL
Personal Choice Annuity 5
Personal Choice Annuity 5 FL
Personal Choice Annuity 7
Personal Choice Annuity 7 FL
Symetra Life Insurance Company
Symetra Custom 5
Symetra Custom 5 (ROP)
Symetra Custom 7
Symetra Custom 7 (ROP)
The Hartford
CRC Select II 10
CRC Select II 3
CRC Select II 4
CRC Select II 5
CRC Select II 6
CRC Select II 7
CRC Select II 8
CRC Select II 9
CRC® Select III 10
CRC® Select III 3
CRC® Select III 4
CRC® Select III 5
CRC® Select III 6
CRC® Select III 7
CRC® Select III 8
CRC® Select III 9
Saver Certainty 10
Saver Certainty 3
Saver Certainty 5
Saver Certainty 7
The Standard
Focused Growth Annuity 10
Focused Growth Annuity 5
Focused Growth Annuity 6
Focused Growth Annuity 7
Secured Rate Annuity 5
Secured Rate Annuity 6
United States Life Insurance Co. (NY)
AG Horizon EmpireSecure 7
VALIC
VALIC Assured Choice Annuity 7
Western National Life Insurance Company
BB&T Decathlon 5
BB&T Decathlon 7
BB&T Decathlon MVA 5
BB&T Decathlon MVA 7
Set Rate Annuity 10
Set Rate Annuity 7
Set Rate Annuity 8
Set Rate Annuity 9
WNL Flex 5 - 5 Year
WNL Flex 5 - MVA - 5 Year
WNL Flex 7 - 7 Year
WNL Flex 7 - MVA - 7 Year
WNL Security Builder 5 (Step Up)
WNL Security Builder 5 MVA
Western-Southern Life Assurance Company
Acclaim 5
Horizon 6
MultiRate 7-Year

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