Wichita National Life Security 5 Annuity – A Safe, Predictable Option for Retirement Growth
At Diversified Insurance Brokers, we specialize in helping individuals protect and grow their retirement savings through secure, guaranteed annuity strategies. One standout solution for conservative investors is the Wichita National Life Security 5 Multi-Year Guarantee Annuity (MYGA)—a five-year fixed annuity designed for those who want stable growth, tax deferral, and peace of mind.
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Guaranteed Growth for Five Full Years
The Security 5 Annuity locks in a fixed interest rate for five years, making it ideal for individuals who want to avoid stock market volatility and ensure predictable accumulation. At the time of publication of this article, the minimum premium is $10,000, and the maximum accepted without prior approval is $1,000,000. Interest compounds daily to maximize growth potential, offering a safe alternative to CDs or bond funds.
Access and Liquidity When You Need It
Policyholders benefit from penalty-free Required Minimum Distributions (RMDs) and can also choose an optional 10% Free Withdrawal Rider. This allows for up to 10% of the contract value to be withdrawn annually without surrender charges—starting after the first year. Additional waivers are available in the case of terminal illness or nursing home confinement, offering added peace of mind for unexpected events.
Strong Benefits for Beneficiaries and Spouses
In the event of death, the Security 5 Annuity pays out the full surrender value to beneficiaries. If the optional Enhanced Death Benefit Rider is chosen, the full account value is instead paid—offering more generous protection. The annuity also includes spousal continuation benefits, which allow a surviving spouse to take over the contract without penalty, helping preserve the retirement plan.
Flexible Options at Maturity
Once the five-year term ends, contract holders have several choices:
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Renew at a new guaranteed rate
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Withdraw funds penalty-free
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Convert the balance into a structured income stream
These options give retirees the flexibility to adjust as their needs evolve.
Why Work With Diversified Insurance Brokers
Our advisors understand the annuity landscape inside and out. When you work with Diversified Insurance Brokers, you gain access to experienced professionals who tailor annuity strategies to your unique retirement goals. Whether you’re rolling over a retirement account or repositioning non-qualified funds, we’ll help you determine if the Security 5 or another MYGA product is the right fit.
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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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