Guaranteed Interest + Market-Driven Bonus

The MYGIA offers a multi-year guaranteed compounding interest rate. On top of this, a Bonus Interest Credit is available each year the S&P 500® Index meets or exceeds a preset performance threshold—giving you the potential to outperform a standard fixed annuity.

Tax-Deferred Accumulation and Liquidity

Interest grows tax-deferred, allowing your money to compound more efficiently. After the first contract year, you can take penalty-free Required Minimum Distributions (RMDs)—offering needed access without surrender charges.

Smart Estate Planning Benefits

The annuity’s Guaranteed Death Benefit ensures your full account value passes to your beneficiaries without reduction, while the optional Market Value Adjustment (MVA) feature helps increase surrender value during favorable interest rate environments.

Is the American Life Fusion MYGIA a Good Fit for You?

This annuity is well suited for:

• Pre-retirees seeking guaranteed growth with a performance-based upside

• Individuals who prefer fixed terms with enhanced earnings potential

• Conservative investors who want to avoid market losses but still benefit from market success

• Anyone looking to pass on full contract value to loved ones efficiently