Ibexis MYGA Plus Annuity – Guaranteed Growth With Indexed Potential
Secure Growth With Built-In Flexibility
At Diversified Insurance Brokers, we help individuals build safe and flexible retirement strategies using annuities that provide both principal protection and growth opportunities. The Ibexis MYGA Plus Annuity, issued by Ibexis Life & Annuity Insurance Company, is a forward-thinking solution that combines the predictable safety of a fixed annuity with the upside potential of an index-linked strategy.
Whether you’re seeking steady, guaranteed returns or want to tap into additional market-based performance, this annuity gives you both.
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Choose Your Strategy: MYGA or Index-Linked Growth
With the MYGA Plus, you can select a Multi-Year Guaranteed Annuity (MYGA) option that locks in a fixed interest rate for 3, 5, or 7 years. These rates are guaranteed for the full term, offering dependable tax-deferred accumulation without market exposure.
For those seeking greater growth potential, the Index-Linked Option allows participation in market performance through index crediting strategies. This creates an opportunity for higher interest while still preserving your principal.
Access to Your Money When You Need It
After the first contract year, you can withdraw up to 10% of your contract value annually without penalty. This ensures you retain liquidity while your funds grow.
Efficient and Simple Wealth Transfer
In the event of your passing, your full contract value goes to your beneficiaries with no surrender charges, allowing for a smooth, tax-efficient estate transition.
Is the MYGA Plus Annuity Right for You?
This annuity is ideal for:
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Individuals seeking fixed returns with a flexible term
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Conservative investors who may want future market exposure
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Pre-retirees and retirees who value both security and choice
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Families looking to protect principal while maintaining liquidity
Talk to an Advisor or Request Your Annuity Quote
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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FAQs: Ibexis MYGA Plus Annuity
What is the Ibexis MYGA Plus Annuity?
The Ibexis MYGA Plus is a multi-year guaranteed annuity (MYGA) contract that offers a fixed interest rate for a set term. It is designed for individuals who want stability, predictability, and principal protection over the guaranteed period.
How does growth/interest crediting work?
Your premium (or rollover/transfer) is credited with a fixed interest rate for the guaranteed term. Interest accrues on a tax-deferred basis, and the rate does not depend on market performance or index fluctuations.
Is my principal protected?
Yes. Because this is a fixed-rate MYGA, the principal (accumulation value) is protected from market losses or index volatility. Your account value grows according to the fixed rate for the term.
When does the guaranteed term end, and what happens then?
At the end of the guaranteed period, you typically have options: you can take the cash value, renew or roll over into a new contract (possibly at a new rate), or convert to income, depending on what the contract allows. The exact options depend on the version.
Can I access my money before the end of the term?
Many MYGA contracts allow limited withdrawals or penalty-free windows at maturity or renewal, but early withdrawals before the end of the guaranteed term may be restricted or trigger surrender charges and penalties. Liquidity is generally more limited than with bank products like CDs.
How are earnings and withdrawals taxed?
Earnings inside the contract grow tax-deferred. When you withdraw or surrender, earnings are taxed as ordinary income. Withdrawals before age 59½ may also trigger additional tax penalties under IRS rules, depending on your situation.
Who is the Ibexis MYGA Plus a good fit for?
This annuity may suit conservative savers who want a fixed, guaranteed return over a set time period, prefer principal protection, and are comfortable committing funds for the term. It can be a good alternative to low-risk CDs or other fixed-income investments for long-term savings.
What should I consider before buying?
Before purchasing, review the term length, fixed interest rate, surrender or withdrawal restrictions, liquidity needs, and when/how you can access funds at maturity. Make sure the timing aligns with your financial plan and goals.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
