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Palladium MYG

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The Palladium MYG NY is a single premium deferred annuity. A single premium fixed deferred annuity that offers six guaranteed interest rate periods: 5–10 years. Certain guarantee periods include a first year interest rate enhancement. After the initial guarantee period, funds are available for full surrender without incurring surrender charges during a 30-day.

Systematic Withdrawals
May be requested at any time prior to maturity for interest-only or fixed amounts. Minimum withdrawal amount is $100.00 ($50 if paid by direct deposit). Please see contract for more information. Withdrawals of earnings are subject to income tax. For earnings withdrawn before age 59½, a 10% federal tax penalty may apply to the taxable amount. Withdrawals from the annuity will affect both the annuity value and the death benefit.

Surrender charge free withdrawals
10% of the beginning contract year annuity value may be withdrawn without penalty every year. Interest only may be withdrawn in the first year in NY. At the end of the selected guarantee period, there is a 30-day window to withdraw all funds without a surrender charge and any applicable MVA.

We will accept the following Inherited IRA: 
  • Non-Spouse ONLY if the original owner passed away prior to 01/01/2020. 
  • If the DOD is on or after 01/01/2020 we will only accept Spousal Inherited IRAs. 

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 3.3%
5 years 3.25%
6 years 3.65%
7 years 3.95%
10 years 4.05%

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