American Life Classic MYGA – Predictable Growth Without Market Risk
Safe, Steady Growth for Retirement Planning
At Diversified Insurance Brokers, we specialize in helping individuals protect and grow their savings through annuities that offer guaranteed returns and full principal protection. The American Life Classic MYGA (Multi-Year Guaranteed Annuity), issued by American Life & Security Corp., is an ideal solution for conservative investors who want dependable interest rates without market volatility.
This annuity is especially well-suited for pre-retirees and retirees who value predictability, tax advantages, and estate planning efficiency—all without giving up control of their funds.
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Guaranteed Growth With Locked-In Interest Rates
The American Life Classic MYGA allows you to lock in a fixed interest rate for a term that fits your financial goals. Whether you choose a 3-, 5-, or 7-year guarantee period, your savings grow safely with no exposure to market losses. Interest compounds tax-deferred, meaning you don’t pay taxes on your gains until you begin withdrawals—allowing your money to work harder over time.
Flexible Access to Funds
Starting after the first contract anniversary, policyholders can take up to 10% of their contract value each year without penalty. For qualified retirement accounts, Required Minimum Distributions (RMDs) can also be withdrawn without surrender charges—ensuring compliance with IRS rules while maintaining flexibility.
This annuity includes a Market Value Adjustment (MVA), which may affect the contract value for early withdrawals beyond the penalty-free limits, but it also helps boost rates in today’s interest rate environment.
Reliable Death Benefit Protection
In the event of your passing, the American Life Classic MYGA pays out the full account value to your named beneficiaries without applying surrender charges. This ensures a smooth and tax-advantaged transfer of wealth—making it a strong estate planning tool for individuals looking to leave a secure financial legacy.
Is the American Life Classic MYGA Right for You?
This annuity is an excellent fit for:
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Individuals nearing or in retirement who seek safety and stability
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Conservative savers who prefer guaranteed, fixed growth over market risk
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People who want flexible access to funds, especially for RMDs
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Families interested in a simplified and efficient wealth transfer strategy
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Contact Us Today:
Ready to explore this annuity in more detail — or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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