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 For example: any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn.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
Dominator Plus 10
Dominator Plus 5
Dominator Select 1
Dominator Select 2
Dominator Select 3
Allianz Life of NY
Dominator Annuity 10
Dominator Annuity 5
Power 5 Annuity
Allstate Life Insurance Company
Allstate® ChoiceRate Annuity 10
Allstate® ChoiceRate Annuity 5
Allstate® ChoiceRate Annuity 7
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA)
Guarantee 5 (SPDA-MYGA) MVA
Guarantee 7 (SPDA-MYGA)
Guarantee 7 (SPDA-MYGA) MVA
American General Life Insurance Company
AG Horizon Achiever
AG Horizon Choice 10
AG Horizon Choice 9
AG HorizonSecure 5
AG HorizonSecure 7
AG HorizonSelect 10
AG HorizonSelect 5
AG HorizonSelect 7
American National Insurance Company
Palladium MYG Annuity 10
Palladium MYG Annuity 3
Palladium MYG Annuity 4
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 3
Palladium MYG 4
Palladium MYG 5
Palladium MYG 6
Palladium MYG 7
Americo
Platinum Assure 5
Assurity Life
Secure 3
Secure 5
Secure 7
Aviva Life and Annuity Company of New York
Freedom 3
Freedom 5
Freedom 7
Freedom Plus
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 7-Year
Members Select Fixed Annuity II 7-Year (No MVA)
Dearborn National
Destination Fortifier 6
Destination Fortifier 7
Destination Fortifier 8
Destination Fortifier 9
EquiTrust Life Insurance Company
Certainty 10
Certainty 5
Certainty 6
Certainty 8
Certainty Select 10
Certainty Select 5
Certainty Select 6
Certainty Select 8
First SunAmerica
FSA Flex 5
FSA Flex 7
FSA Security Builder 5 (Step Up)
FSA Security Builder 5 MVA
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7
First Symetra Custom 7 (ROP)
First Symetra Select
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
American Freedom Stars and Stripes Non-MVA 5
Guaranty Income Life
4 Year Choice/FourCare
Guardian Insurance & Annuity Co.
The Guardian Tradition (7-Year)
The Guardian Tradition PLUS (7-Year)
Illinois Mutual
Select Advantage 10
ING USA Annuity and Life
Guarantee Choice 7
Guaranteed Choice 10
Integrity Life Insurance
Momentum Advantage 10
Momentum Advantage 4
Momentum Advantage 5
Momentum Advantage 7
New Momentum 10
SPDA Series II 7
Investors Insurance (Legacy)
EnhanceMark 10
RateMark 10
RateMark 3
RateMark 5
RateMark 7
Jackson National Life
Target Select 9
John Hancock
JH Signature Fixed Annuity
JH Signature Fixed Annuity - 3
JH Signature Fixed Annuity - 5
JH Signature Fixed Annuity - 7
Liberty Bankers Life
Bankers 1
Bankers 3
Bankers 5
Bankers 7
Bankers Premier
Bankers Premier Plus
Life of the Southwest
SureRate 2
Lincoln Benefit Life
SureHorizon II 6
Tactician Plus 10
Tactician Plus 5
Tactician Plus 6
Tactician Plus 7
Tactician Plus 8
Tactician Plus 9
Treasury-Linked Annuity
Lincoln Financial Group
Lincoln ClassicSM 5
Lincoln ClassicSM 7
Lincoln MYGuaranteesm Plus 10
Lincoln MYGuaranteesm Plus 3
Lincoln MYGuaranteesm Plus 4
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 Classic-NY 5
Lincoln Classic-NY 7
Lincoln MYGuaranteesm Plus 10
Lincoln MYGuaranteesm Plus 3
Lincoln MYGuaranteesm Plus 4
Lincoln MYGuaranteesm Plus 5
Lincoln MYGuaranteesm Plus 6
Lincoln MYGuaranteesm Plus 7
Lincoln MYGuaranteesm Plus 8
Lincoln MYGuaranteesm Plus 9
Midland National Life
MNL Guarantee Ultimate 10
MNL Guarantee Ultimate 4
MNL Guarantee Ultimate 5
MNL Guarantee Ultimate 6
MNL Guarantee Ultimate 7
MNL Guarantee Ultimate 8
MNL Guarantee Ultimate 9
Minnesota Life
SecureOption Select 5-Year
SecureOption Select 7-Year
SecureOption Select 9-Year
National Integrity Life Insurance
Momentum Advantage 10
Momentum Advantage 4
Momentum Advantage 5
Momentum Advantage 7
New Momentum 10
New Momentum 7
North American Company
NA Guarantee Choice 10
NA Guarantee Choice 4
NA Guarantee Choice 5
NA Guarantee Choice 6
NA Guarantee Choice 7
NA Guarantee Choice 8
NA Guarantee Choice 9
OM Financial Life Insurance Company
OM Guarantee-Platinum 3
OM Guarantee-Platinum 5
OM Guarantee-Platinum 5 (CT,NC,OK)
OM Guarantee-Platinum 7
OM Guarantee-Plus 3
OM Guarantee-Plus 5
OM Guarantee-Plus 7
OM Financial Life Insurance Company (NY)
OMNY Guarantee-Plus 5
OMNY Guarantee-Plus 7
Oxford Life Insurance Company
Guarantee Annuity 5
Pacific Life
Pacific Explorer 6
Pacific Frontiers 10
Pacific Frontiers 8
Pacific Frontiers 9
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
FPDA+ 7-Year Guaranty
Guaranteed Annuity 5-Year Guaranty
Secure Fixed Annuity 4-Year Guarantee
Secure Fixed Annuity 6-Year Guarantee
Select Series 3
Select Series 6
Select Series 9
Protective Life Corporation
FutureSaver II Annuity 10
FutureSaver II Annuity 3
FutureSaver II Annuity 4
FutureSaver II Annuity 5
FutureSaver II Annuity 6
FutureSaver II Annuity 7
FutureSaver II Annuity 8
FutureSaver II Annuity 9
ProSaver Platinum 10
ProSaver Platinum 15
ProSaver Platinum 2
ProSaver Platinum 3
ProSaver Platinum 4
ProSaver Platinum 5
ProSaver Platinum 6
ProSaver Platinum 7
ProSaver Platinum 8
ProSaver Platinum 9
RBC Insurance
RBC 3 + 3 MYG, SPDA, MVA
RBC 3 + 3 MYG, SPDA, NON-MVA
RBC 7 MYG, SPDA, MVA
Reliance Standard Life
Elektra 579 (5)
ReliaStar Life Insurance Company
ING MVA Annuity 10
ING MVA Annuity 6
ING MVA Annuity 7
ING MVA Annuity 8
ING MVA Annuity 9
ReliaStar Life Insurance Company of NY
Classic Choice NY 5
Classic Choice NY 6
Classic Choice NY 8
Royal Neighbors of America
Crown Choice
Neighbors Choice
Regal Choice 3
Sun Life Financial
Keyport Value 5
Keyport Value 6
Keyport Value 7
Keyport Value Stepped-Up 5
Keyport Value Stepped-Up 6
Keyport Value Stepped-Up 7
Sun Life Insurance and Annuity of New York
Keyport Value 5
Keyport Value 6
Keyport Value 7
Keyport Value Stepped Up 5
Keyport Value Stepped Up 6
Keyport Value Stepped Up 7
Symetra Life Insurance Company
Symetra Custom 5
Symetra Custom 5 (ROP)
Symetra Custom 7
Symetra Custom 7 (ROP)
Symetra Flex Premium Plus Fixed
Symetra Secure
Symetra Select
The Standard
Focused Growth Annuity 5
Focused Growth Annuity 6
Secured Rate Annuity 5
Secured Rate Annuity 6
Transamerica Life
Transamerica Select 4
Transamerica Select 5
Transamerica Select 6
Transamerica Select 7
Transamerica Select 8
United States Life Insurance Co. (NY)
AG Horizon EmpireSecure 7
VALIC
VALIC Assured Choice Annuity 7
West Coast Life
Sure Advantage 10
Sure Advantage 3
Sure Advantage 4
Sure Advantage 5
Sure Advantage 6
Sure Advantage 7
Sure Advantage 8
Sure Advantage 9
Western National Life Insurance Company
Set Rate Annuity 10
Set Rate Annuity 7
Set Rate Annuity 8
Set Rate Annuity 9
WNL Flex 5 - 5 Year
WNL Flex 7 - 7 Year
WNL Security Builder 5 (Step Up)
WNL Security Builder 5 MVA

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