Fixed Terms. Guaranteed Rates. No Guesswork.

With a minimum investment of just $10,000, the Guaranty Income Rate Lock MYGA is accessible for a wide range of savers. Even better, the company offers enhanced rates for higher premium deposits, making it an attractive option for those moving six-figure amounts from maturing CDs or retirement accounts.

Growth is tax-deferred, meaning your money compounds faster than it would in a taxable account. That’s a significant advantage for long-term accumulation and future income planning.

If you’d like to compare this product with other top MYGA rates available now, you can fill out our short Annuity Quote Request Form to receive personalized results from our advisors.

Liquidity, Flexibility, and Protection

While this is a long-term product, the Guaranty Income Rate Lock MYGA provides helpful liquidity features. Starting in year two, you can withdraw up to 5% of the account value annually without any penalties. Additional flexibility comes in the form of withdrawal charge waivers for:

• Terminal illness

• Nursing home confinement

For withdrawals beyond the penalty-free allowance, a Market Value Adjustment (MVA) and surrender charges may apply. Fortunately, you can choose the term length that fits your financial strategy—shorter for flexibility or longer for enhanced yield.

Legacy Benefits for Peace of Mind

Should something happen to you during the annuity term, your full accumulation value will pass directly to your beneficiaries—without surrender charges and without going through probate. This makes the Guaranty Rate Lock MYGA not just a tool for savings but also a simple, efficient legacy planning vehicle.

Who This Annuity May Be a Good Fit For

The Guaranty Rate Lock MYGA is an excellent option for:

• Individuals seeking guaranteed interest with zero market risk

• Retirees looking to protect principal and avoid unnecessary volatility

• People who want a CD alternative with higher yields and tax deferral

• Savers planning for short- to mid-term goals, with options for 3 to 10 years

• Anyone needing predictable accumulation in retirement or pre-retirement years

This MYGA is also ideal for those who want a set-it-and-forget-it product—without the complexity of moving parts or allocation decisions.