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 provisionsbuilt with real life in mind.
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:
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Renew at a new guaranteed rate
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Take penalty-free withdrawals
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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.
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