Multi‑Year Guaranteed Annuities (MYGAs) are insurance contracts that lock in a fixed rate for a defined term—offering principal protection and tax‑deferred compounding. They may suit parking a windfall, rolling over a maturing CD, or seeking stability as you approach retirement.
Our process reviews contract length, carrier ratings, and liquidity features, then considers laddering or pairing with lifetime‑income options to address essential expenses, mitigate sequence‑of‑returns risk, and allocate other assets for growth. As fiduciaries, we outline surrender schedules, rate caps, and tax implications in clear terms so you can determine whether MYGAs fit your overall retirement strategy.
|
Carrier / Product Name
|
AM Best
|
Min Premium
|
Free Withdrawal
Yr 1 | Yr 2+ |
Current Rate
|
|---|---|---|---|---|
|
Rate Guaranteed 2-Years
|
||||
|
AXONIC INSURANCE SERVICES
Waypoint 2 MYGA MVA High Band |
A-
|
100,000
|
0% / 10%
|
5.20
|
|
OCEANVIEW LIFE AND ANNUITY
Harbourview 2 (CA) Mid Band |
A
|
70,000
|
0% / 10%
|
4.80
|
|
Rate Guaranteed 3-Years
|
||||
|
OCEANVIEW LIFE AND ANNUITY
Harbourview 3MVA Mid Band |
A
|
70,000
|
0% / 10%
|
4.75
|
|
WITCHITA
|
-
|
10,000
|
0% / 0%
|
6.00
|
|
Rate Guaranteed 4-Years
|
||||
|
OCEANVIEW LIFE AND ANNUITY
Harbourview 4 (CA) Low Band |
A
|
20,000
|
0% / 10%
|
4.65
|
|
Rate Guaranteed 5-Years
|
||||
|
WITCHITA
|
B+
|
10,000
|
0% / 0%
|
6.15
|
|
AXONIC INSURANCE SERVICES
Waypoint 5 MYGA MVA High Band |
A-
|
100,000
|
0% / 0%
|
5.60
|
