Best Guaranteed Annuity Rates

GuaranteeShield Series

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The Guarantee Shield Series is a single premium deferred annuity with a market value adjustment. The minimum single premium is $10,000 for qualified and non-qualified money. Interest earned may be withdrawn after the first policy year without incurring a surrender charge or market value adjustment. Systematic Withdrawal is an option. Surrender charges vary by rate term and are waived in the event of death. Withdrawals and taxable distributions may be subject to ordinary income tax and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty. Early surrender charges may also apply. Guarantees based on the claims-paying ability of the insurer. Products/features may not be available in all states. This is an annuity contract issued by an insurance company and not a bank product protected by the FDIC.

Minimum Premium: 
  • $10,000 
Maximum Premium: 
  • 18-69: $1,500,000
  • 70-74: $1,000,000
  • 75-79: $750,000
  • 80-85: $500,000
Free Withdrawal
This is an opportunity each year (after the first contract year) to take Free Withdrawals up to 10% of the Contact Value.  (RMD Friendly)

Partial Withdrawal
Available at any time, for partial distribution over the Free Withdrawal amount. Surrender Charges and minimum values will apply.

Market Value Adjustment (MVA)
This product includes a Market Value Adjustment (MVA) Rider. An MVA may increase or decrease the amount of a withdrawal in excess of the Free Withdrawal amount or the Surrender Value. The MVA does not apply to Free Withdrawals, any death benefit, the MGSV, or any distributions occurring after the Surrender Charge Period has ended. In general, as the MVA Index increases, Surrender Values decrease. As the MVA Index decreases, Surrender Values increase.

Minimum Guaranteed Surrender Value (MGSV)
At no time will the Surrender Value of the contract be less than 90% of the premium received, less any withdrawals, accumulated at the minimum guaranteed surrender value - minimum guaranteed interest rate.

Death Benefit
The greater of the Contract Value or the Minimum Guaranteed Surrender Value. Death Benefit proceeds are paid to the surviving joint owner. If there is no surviving joint owner, the death benefit is paid to the named beneficiary(ies) with no surrender charges. Generally paid in a lump-sum, other payment options are also available.

Principal Protection no return of premium feature.  No surrender charges if owner passes away.

Note: TSP funds have to be rolled into an IRA.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.5%
5 years 4.6%

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