Multi Year Guarantee Annuities (MYGA)

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 For example: any money withdrawn in the third year over the 10% Free Withdrawal Provision would be subject to a 3.00% penalty.

Withdrawal of any funds prior to age of 59 1/2 are subject to an IRS Penalty of 10% of the funds withdrawn.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

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AIG
American Pathway 5 - 5 Year GROP
American Pathway 5 - 5 Year GROP & MVA
American Pathway 5 - 5 Year No GROP
American Pathway 5 - 5 Year No GROP MVA
American Pathway 7 - 7 Year GROP
American Pathway 7 - 7 Year GROP & MVA
American Pathway 7 - 7 Year MVA
American Pathway 7 - 7 Year No GROP
American Pathway Fixed 4 Annuity
American Pathway Fixed Annuity 10
American Pathway Fixed Annuity 7
American Pathway SolutionsMYG 10
American Pathway SolutionsMYG 5
American Pathway SolutionsMYG 6
American Pathway SolutionsMYG 7
WNL Eagle Nest 5
WNL PNCI Flexible Premium 5
WNL PNCI Flexible Premium 7
WNL Stable Growth 5
WNL Stable Growth 7
American Equity Investment Life Insurance Company
Guarantee 5 (ICC13 MYGA)
Guarantee 6 (ICC13 MYGA)
Guarantee 7 (ICC13 MYGA)
American General Life Insurance Company
American Pathway SolutionsMYG 10
American Pathway SolutionsMYG 5
American Pathway SolutionsMYG 6
American Pathway SolutionsMYG 7
Assured Edge Income Builder
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
Annuity Investors Life
GreatStep Five sm
GreatStep Five smNo MVA
GreatStep Seven sm
GreatStep Seven sm No MVA
Athene Annuity & Life Assurance Company of New York
Athene Max Rate 3 MYGA - NY
Athene Max Rate 5 MYGA - NY
Athene Max Rate 7 MYGA - NY
Athene MYG 3 - NY
Athene MYG 5 - NY
Athene MYG 7 - NY
Athene IA
Athene Max Rate 3
Athene Max Rate 3 LITE
Athene Max Rate 5
Athene Max Rate 5 LITE
Athene Max Rate 7
Athene Max Rate 7 LITE
Athene MYG 3
Athene MYG 3 MVA
Athene MYG 5
Athene MYG 5 MVA
Athene MYG 7
Athene MYG 7 MVA
Atlantic Coast Life
Safe Haven 10
Safe Haven 10 - 86-90
Safe Haven 10 FL
Safe Haven 20
Safe Haven 20 FL
Safe Haven 20 70-75
Safe Haven 5
Safe Haven 5 - 86-90
Safe Haven 5 FL
Safe Haven 6
Safe Haven 6 - 86-90
Safe Haven 6 FL
Safe Haven 7
Safe Haven 7 - 86-90
Safe Haven 7 FL
Bankers Life Insurance Company
SPDA 5
SPDA Select
SPDA-7
BankRate.com
1-Year CD (National Avg.)
3-Year CD (National Avg.)
5-Year CD (National Avg.)
Brighthouse Financial
Fixed Annuity FA 5
Fixed Annuity FA 7
Fixed Annuity FA 10
Commonwealth Annuity
Commonwealth MYGA 3
Commonwealth MYGA 5
Commonwealth MYGA 7
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)
Delaware Life
Pinnacle MYGAsm 10 Year
Pinnacle MYGAsm 10 Year (DE & FL)
Pinnacle MYGAsm 3 Year
Pinnacle MYGAsm 3 Year (DE & FL)
Pinnacle MYGAsm 5 Year
Pinnacle MYGAsm 5 Year (DE & FL)
Pinnacle MYGAsm 7 Year
Pinnacle MYGAsm 7 Year (DE & FL)
Eagle Life
Eagle Platinum Guarantee 5 (ROP)
Eagle Platinum Guarantee 5 (10%)
Eagle Platinum Guarantee 5 (Interest Only)
Eagle Platinum Guarantee 6 (10% W/D)
Eagle Platinum Guarantee 6 (Interest Only)
Eagle Platinum Guarantee 6 (ROP)
Eagle Platinum Guarantee 7 (10% W/D)
Eagle Platinum Guarantee 7 (Interest Only)
Eagle Platinum Guarantee 7 (ROP)
EquiTrust Life Insurance Company
Certainty Select 10
Certainty Select 3
Certainty Select 5
Certainty Select 6
Certainty Select 8
Fidelity & Guaranty Life
FG Guarantee-Platinum 3
FG Guarantee-Platinum 5
FG Guarantee-Platinum 7
Fidelity Investments
Brokered CD (1 year)
Brokered CD (2 year)
Brokered CD (3 month)
Brokered CD (3 year)
Brokered CD (5 year)
Brokered CD (6 month)
Brokered CD (9 month)
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)
Global Atlantic Financial Group
SecureFore 5
SecureFore 5 (Wells Fargo)
SecureFore 5 ROP
SecureFore 5 ROP (Wells Fargo)
SecureFore 7
SecureFore 7 (Wells Fargo)
SecureFore 7 ROP (Wells Fargo)
SecureFore 7 ROP
SecureForeSM 3
SecureForeSM 3 ROP
Great American Life Insurance Company
American Freedom Aspire 5
American Freedom Aspire 7
American Freedom Stars & Stripes® 5 (MVA)
American Freedom Stars & Stripes® 5 (Non MVA)
American Freedom Stars & Stripes® 7 (MVA)
American Freedom Stars & Stripes® 7 (Non MVA)
SecureGain 5
SecureGain 5 No MVA
SecureGain 7
SecureGain 7 No MVA
Guaranty Income Life
Guaranty 4 Annuity
Guaranty 6 Annuity
Guaranty 8 Annuity
Guardian Insurance & Annuity Co.
Guardian Fixed Target Annuity 5
Guardian Fixed Target Annuity 6
Guggenheim Life and Annuity Company
Preserve MYGA 10
Preserve MYGA 3
Preserve MYGA 4
Preserve MYGA 5
Preserve MYGA 6
Preserve MYGA 7
Preserve MYGA 8
Preserve MYGA 9
ProOption MYGA 10 with ROP
ProOption MYGA 5 with ROP
ProOption MYGA 7 with ROP
Integrity Life Insurance Company
MultiVantage 10
MultiVantage 4
MultiVantage 5
MultiVantage 7
New Momentum 10
New Momentum 7
SPDA Series II 7
John Hancock
JH Liberty 5
JH Liberty 6
JH Liberty 7
JH Liberty 8
JH Liberty 9
JH Liberty 10
Liberty Bankers Life
Bankers 3
Bankers 5
Bankers 5 Premier
Bankers 5 Premier Plus
Bankers 7
Bankers 7 Premier
Bankers Accumulator
Bankers Elite 3
Bankers Elite 5
Bankers Elite 7
Bankers Elite 9
Liberty Life Assurance Company of Boston
Balance Annuity 5 MYGA
Balance Annuity 5 MYGA No ROP
Foundation 5
Foundation 5 w/ ROP
Lincoln Financial Group
Lincoln Classic Solution Fixed
Lincoln Long-Term Care Fixed Annuity
Lincoln MYGuarantee Plus 10
Lincoln MYGuarantee Plus 5
Lincoln MYGuarantee Plus 6
Lincoln MYGuarantee Plus 7
Lincoln MYGuarantee Plus 8
Lincoln MYGuarantee Plus 9
Lincoln Select 5
Lincoln Select 6
Lincoln Select 7
Lincoln Select 8
Lincoln Select 9
Lincoln Select 10
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
Manhattan Life Insurance Company
Preferred Choice 3
Preferred Choice 3 NY & CA
Preferred Choice 5
Preferred Choice 5 NY & CA
Preferred Choice 6
Preferred Choice 6 NY & CA
Preferred Choice 7
Preferred Choice 7 NY & CA
Premium Preferred 5
Premium Preferred 5 NY & CA
Premium Preferred 7
Premium Preferred 7 NY & CA
Mass Mutual
Stable Voyage 5
Stable Voyage 7
Stable Voyage 9
Midland National Life
Dynamic Choice® 3 with MVA
Dynamic Choice® 5
Dynamic Choice® 5 ROP
Dynamic Choice® 5 with MVA
Dynamic Choice® 5 with MVA & 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
Guarantee Ultimate II 3
Guarantee Ultimate II 4
Guarantee Ultimate II 5
MNL Dimensions
Midland National Life (Sammons Retirement Solutions)
LiveWell Guarantee Annuity 10
LiveWell Guarantee Annuity 3
LiveWell Guarantee Annuity 4
LiveWell Guarantee Annuity 5
LiveWell Guarantee Annuity 6
LiveWell Guarantee Annuity 7
LiveWell Guarantee Annuity 8
LiveWell Guarantee Annuity 9
Minnesota Life
SecureOption Focus 7
SecureOption Select 5-Year
SecureOption Select 7-Year
SecureOption Select 9-Year
Mutual of Omaha
Ultra - Secure Plus 5
Ultra - Secure Plus 7
National Integrity Life Insurance
MultiVantage 10
MultiVantage 4
MultiVantage 5
MultiVantage 7
New Momentum 10
New Momentum 7
SmartStep NY
SmartStep NY ROP
Nationwide Life and Annuity Insurance Company
Nationwide Platinum V® NY
Nationwide Platinum V® Plus
Nationwide Platinum V® Plus ROP
Platinum Edge 10
Platinum Edge 3
Platinum Edge 4
Platinum Edge 5
Platinum Edge 6
Platinum Edge 7
Platinum Edge 8
Platinum Edge 9
Quatro Select 7
Quatro Select 7 ROP
New York Life Insurance and Annuity Corporation
Clear Income Fixed Annuity - FP Book Value
Clear Income Fixed Annuity - FP MVA
Secure Term Choice (8-Year)
Secure Term Choice II (3-Year)
Secure Term Choice II (4-Year)
Secure Term Choice II (5-Year)
Secure Term Choice II (6-Year)
Secure Term Choice II (7-Year)
Secure Term MVA (8-Year)
Secure Term MVA II (3-Year)
Secure Term MVA II (4-Year)
Secure Term MVA II (5-Year)
Secure Term MVA II (6-Year)
Secure Term MVA II (7-Year)
North American Company
Guarantee Choice 7
Guarantee Choice 10
Guarantee Choice 3
Guarantee Choice 4
Guarantee Choice 5
Guarantee Choice 6
Guarantee Choice 8
Guarantee Choice 9
Guarantee Choice II 3
Guarantee Choice II 4
Guarantee Choice II 5
Oxford Life Insurance Company
Multi-Select 10
Multi-Select 3
Multi-Select 4
Multi-Select 5
Multi-Select 6
Multi-Select 7
Multi-Select 8
Multi-Select 9
Pacific Life
Pacific Expedition 5
Pacific Expedition 7
Pacific Expedition With RateAdvantage 5
Pacific Expedition With RateAdvantage 7
Pacific Frontiers II 4
Pacific Frontiers II 5
Pacific Frontiers II 6
Pacific Frontiers II 7
Pacific Frontiers II 8
Pacific Frontiers II 9
Pacific Frontiers II 10
Principal Financial Group
Principal Preferred Series Annuity 3
Principal Preferred Series Annuity 3 (NY)
Principal Preferred Series Annuity 3 ROP
Principal Preferred Series Annuity 3 ROP (NY)
Principal Preferred Series Annuity 4
Principal Preferred Series Annuity 4 ROP
Principal Preferred Series Annuity 4 ROP (NY)
Principal Preferred Series Annuity 5
Principal Preferred Series Annuity 5 ROP
Principal Preferred Series Annuity 5 ROP (NY)
Principal Preferred Series Annuity 6
Principal Preferred Series Annuity 6 ROP
Principal Preferred Series Annuity 7
Principal Preferred Series Annuity 7 ROP
Principal Select Series 3
Principal Select Series 4
Principal Select Series 5
Principal Select Series 6
Principal Select Series 7
Principal 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 5
ProSaver Platinum 6
ProSaver Platinum 7
ProSaver Platinum 8
ProSaver Platinum 9
ProSaver Platinum 10
ProSaver Platinum 15
ProSaver Platinum Plus 5
ProSaver Platinum Plus 6
ProSaver Platinum Plus 7
ProSaver Plus II 6
ProSaver RateBuilder 1
ProSaver RateBuilder 2
ProSaver RateBuilder 3
ProSaver RateBuilder 4
ProSaver RateBuilder 5
ProSaver RateBuilder 6
ProSaver RateBuilder 7
ProSaver Select (5 yr. ladder) 1
ProSaver Select (5 yr. ladder) 2
ProSaver Select (5 yr. ladder) 3
ProSaver Select (5 yr. ladder) 4
ProSaver Select (5 yr. ladder) 5
ProSaver Select (7 yr. ladder) 1
ProSaver Select (7 yr. ladder) 2
ProSaver Select (7 yr. ladder) 3
ProSaver Select (7 yr. ladder) 4
ProSaver Select (7 yr. ladder) 5
ProSaver Select (7 yr. ladder) 6
ProSaver Select (7 yr. ladder) 7
ProSaver Select R 3
ProSaver Select R 4
ProSaver Select R 5
ProSaver Select R 6
ProSaver Select R 7
Secure Saver 7
ReliaStar Life Insurance Company of NY
Classic Choice NY 10
Classic Choice NY 5
Classic Choice NY 7
RiverSource
Quantum Select 5 (No ROP)
Quantum Select 5 (ROP)
Royal Neighbors of America
Choice 3
Choice 5
Choice 6
Royal Choice 10
Royal Choice 5
Royal Choice 5 CA
Royal Choice 7
Royal Choice 7 CA
Royal Choice 9 CA
SBLI USA
Select Choice (5) Base Policy
Select Choice (5) Base Policy + PFW
Select Choice (5) Base Policy + ROP
Select Choice (5) Base Policy + ROP + PFW
Select Choice (7) Base Policy
Select Choice (7) Base Policy + PFW
Select Choice (7) Base Policy + ROP
Select Choice (7) Base Policy + ROP + PFW
Security Benefit Life
Advanced Choice 3
Advanced Choice 5
Advanced Choice 7
Sentinel Security Life Insurance Company
Personal Choice Annuity 10
Personal Choice Annuity 10 (CA, FL)
Personal Choice Annuity 10 86-90
Personal Choice Annuity 10 MN
Personal Choice Annuity 10 MN 86-90
Personal Choice Annuity 5
Personal Choice Annuity 5 (CA, FL)
Personal Choice Annuity 5 86-90
Personal Choice Annuity 5 MN
Personal Choice Annuity 5 MN 86-90
Personal Choice Annuity 7
Personal Choice Annuity 7 (CA, FL)
Personal Choice Annuity 7 86-90
Personal Choice Annuity 7 MN
Personal Choice Annuity 7 MN 86-90
Symetra Life Insurance Company
Symetra Custom 5 (No ROP)
Symetra Custom 5 (ROP)
Symetra Custom 7 (No ROP)
Symetra Custom 7 (ROP)
The Capitol Life Insurance Company
Bankers 3
Bankers 5
Bankers 5 Premier
Bankers 5 Premier Plus
Bankers 7
Bankers 7 Premier
Bankers Accumulator
Bankers Elite 3
Bankers Elite 5
Bankers Elite 7
Bankers Elite 9
The Standard
Focused Growth Annuity 10
Focused Growth Annuity 10 (Blue Series)
Focused Growth Annuity 5
Focused Growth Annuity 5 (Blue Series)
Focused Growth Annuity 6
Focused Growth Annuity 6 (Blue Series)
Focused Growth Annuity 7
Focused Growth Annuity 7 (Blue Series)
Thrivent
MYGA 10
MYGA 10 ROP
MYGA 3
MYGA 3 ROP
MYGA 5
MYGA 5 ROP
MYGA 7
MYGA 7 ROP
Transamerica Life
Capital Builder 5
Savers Choice 4 No ROP
Savers Choice 4 ROP
Savers Choice 5 No ROP
Savers Choice 5 ROP
Savers Choice 6 No ROP
Savers Choice 6 ROP
Savers Choice 7 No ROP
Savers Choice 7 ROP
Savers Choice 8 No ROP
Savers Choice 8 ROP
Transamerica Select 4
Transamerica Select 5
Transamerica Select 6
Transamerica Select 7
Transamerica Select 8
United States Life Insurance Co. (NY)
American Pathway SolutionsMYG 5
American Pathway SolutionsMYG 6
American Pathway SolutionsMYG 7
Assured Edge Income Builder
Vantis Life
TaxSaver Freedom I ROP - 5
TaxSaver Freedom I ROP - 7
TaxSaver Freedom II - 5
TaxSaver Freedom II - 7
TaxSaver Freedom III MVA - 5
TaxSaver Freedom III MVA - 7
Vantis Life Insurance Company of New York
TaxSaver Freedom I ROP NY - 5
TaxSaver Freedom I ROP NY - 7
TaxSaver Freedom II NY - 5
TaxSaver Freedom II NY - 7
VOYA Insurance and Annuity Company
Guarantee Choice 10
Western Catholic Union
10-Year MYGA
3-Year MYGA
5-Year MYGA
Western United Life
Discovery 3
Discovery 5
Discovery 6
Discovery 7
Future Select 5
Future Select 7
WULA Max Choice 10 - MVA
WULA Max Choice 3 - MVA
WULA Max Choice 5 - MVA
WULA Max Choice 6 - MVA
WULA Max Choice 7 - MVA
Western-Southern Life Assurance Company
Acclaim 5-Year
Acclaim 5-Year ROP
Horizon 6
Horizon 6 ROP
MultiRate (Option 5) 7
MultiRate (Option 6) 7
MultiRate (Option 7) 7
MultiRate (Option E) 7

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