Annuity Educator
Best Guaranteed Annuity Rates

American Pathway VisionMYG

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

AGL Guarantees Four-, Five-, Six-, Seven- or 10-Year Interest Rate Guarantee Option
The initial interest rate on the single premium is guaranteed for either four, five, six, seven or 10 years, depending on the option selected. Depending on market conditions, some interest rate options may not be available at all times.

Guaranteed Minimum Interest Rate
At the end of the initial interest rate guarantee period, an interest rate will be declared annually and guaranteed for one year. The rate will not be less than the minimum guaranteed interest rate specified in your contract. The guaranteed minimum interest rate applicable during the withdrawal charge period may be higher than the guaranteed minimum rate applicable in subsequent years.

Penalty-free Withdrawal Privilege
After one year from the contract date, you may take multiple penalty-free withdrawals (without charges or MVA adjustments) each year not exceeding 15% of the previous anniversary contract value. Also, there is a 30-day window at the end of the initial interest rate guarantee period during which no withdrawal charge or market value adjustment will be imposed on a full or partial withdrawal. After the 30-day window expires, withdrawal charges will resume for any withdrawal in excess of penalty-free amounts.

Market Value Adjustment (MVA)
A market value adjustment applies during the initial rate term only. After the initial rate term, the MVA no longer applies, but the withdrawal charge continues for 10 years. The MVA is an adjustment that can either increase or decrease the withdrawal amount depending on the current interest rate environment. When interest rates at the time of withdrawal are higher than the level at the time the contract is issued, the MVA will result in a decrease. If interest rates are down, the MVA will increase the withdrawal amount. Should an MVA decrease apply, the amount charged will not result in your receiving less than the minimum withdrawal value as defined in your contract. MVA does not apply to withdrawals representing penalty-free withdrawal amounts, RM Ds, annuitization or death benefit. An external index referenced in your contract is used to measure rates.

Immediate Crediting
Interest crediting begins on the effective date of the contract.

Systematic Withdrawals
Systematic withdrawals are allowed at any time after contract issue by making a written election.  $100 minimum amount monthly, quarterly, semiannually or annually. Systematic withdrawals may be subject to withdrawal charges.

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

Interest Rates

Guaranteed Years Surrender Years Guaranteed Yield Current Yield
5 5 3.15% 3.15%
5 5 4.75% 4.75%
6 6 3.15% 3.15%
6 6 4.75% 4.75%
7 7 3.2% 3.2%
7 7 4.75% 4.75%
10 10 3.2% 3.2%
10 10 4.75% 4.75%
4 4 4.75% 4.75%
4 4 3% 3%