Royal Neighbors MYGA – Fixed Returns with Emergency Access and Flexible Renewal Options
At Diversified Insurance Brokers, we specialize in helping individuals grow and protect their retirement savings through fixed, secure annuity solutions. The Royal Neighbors Multi-Year Guarantee Annuity (MYGA) stands out as a flexible and accessible choice for those seeking guaranteed growth, penalty-free liquidity, and emergency access provisions built with real life in mind.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Fixed Interest for 3, 5, or 10 Years
This MYGA offers fixed interest rate guarantees for terms of 3, 5, or 10 years, giving you the freedom to match your savings timeline with predictable returns. Structured as a single premium deferred annuity, it allows for a one-time lump sum contribution that grows tax-deferred, with a low minimum premium requirement that makes it suitable for a wide range of investors.
Emergency Access with Member Benefits
What truly sets this annuity apart is the Member Emergency Access Rider. If you face a qualifying event—such as the loss of a primary residence, a business closure due to disaster, job loss, or serious illness—you can make a one-time withdrawal of up to 50% of the account value without surrender charges. This feature adds real-world flexibility and financial relief when you need it most.
Liquidity and End-of-Term Flexibility
Beyond the emergency access, this MYGA also includes standard penalty-free withdrawals, providing ongoing access to a portion of your funds. At the end of your selected term, you’ll have options to:
-
Renew at a new guaranteed rate
-
Take penalty-free withdrawals
-
Convert your annuity into a structured income stream
Legacy Protection and Strength
The death benefit ensures your beneficiaries receive the full contract accumulation value—avoiding surrender penalties and safeguarding your legacy. Backed by Royal Neighbors of America, this annuity offers the added benefit of working with a financially strong, community-focused fraternal organization known for stability and service.
Why Work With Diversified Insurance Brokers
Our advisors specialize in matching individuals with the right annuity product for their goals. Whether you’re rolling over retirement assets or repositioning conservative savings, the Royal Neighbors MYGA provides the peace of mind and flexibility you deserve.
🎯 Looking for fixed growth with built-in emergency access?
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Royal Neighbors MYGA
What is the Royal Neighbors MYGA?
The Royal Neighbors MYGA is a multi-year guaranteed annuity designed to provide a fixed, contractually guaranteed interest rate for a set number of years. It appeals to savers seeking steady, predictable growth without market exposure.
How does the guaranteed rate work?
Your rate is locked in for the entire term. Interest compounds annually and grows tax-deferred, making it suitable for long-term accumulation.
What term options are available?
Royal Neighbors typically offers a variety of fixed-term choices. Longer terms often deliver higher guaranteed rates, while shorter terms prioritize liquidity.
Does the annuity allow penalty-free withdrawals?
Most MYGA versions offer an annual penalty-free withdrawal—usually a percentage of the contract value. Exceeding that amount may result in surrender charges during the early contract years.
Is there a market value adjustment (MVA)?
Certain term lengths may include an MVA. If applicable, it can adjust early-withdrawal values based on interest rate conditions at the time of surrender.
Can I use Royal Neighbors MYGA for IRA rollovers?
Yes. The MYGA accepts qualified funds and is often used for IRA rollovers. The rollover steps are similar to those shown in our IRA-to-annuity transfer guide.
What happens at the end of the MYGA term?
When the term matures, you may renew, withdraw funds, or transfer to another annuity product. A penalty-free window is available for full liquidity.
Is principal protected?
Yes. Your principal and all credited interest are guaranteed by the insurer for the full term of the contract.
Does this MYGA offer any income options?
While primarily an accumulation product, you may annuitize the contract or move funds to an income-focused annuity after the term ends if desired.
Who is the Royal Neighbors MYGA best suited for?
This MYGA is ideal for savers who want a competitive, guaranteed rate, low maintenance, tax-deferred growth, and complete insulation from market volatility.
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.
