Best Guaranteed Annuity Rates

Guardian Eagle (10-Year)

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Premium Type
Single Premium with Additional
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, Inherited IRA, and NQ Stretch
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Guardian Eagle Annuity is a single premium deferred annuity is funded by a single payment and allows your money to grow over a period of time with compound interest. This means the interest builds on the amount that has already accrued, so the longer your money remains untouched, the more opportunity it will have to accumulate. These funds are tax-deferred, so you won’t pay any taxes on this money until it is withdrawn.

All of ELCO’s MYGAs are purchased with a single premium (a lump sum). Contract owners do have 90 days to make additional contributions to their annuity, but no additional funds can be added once that window passes. Guardian Eagle can also be funded by qualified rollovers or from the transfer of other non-qualified funds. The minimum amount required to open a Guardian Eagle contract varies based on the term. You can open a one-year contract with a minimum of $20,000. All other guaranteed terms have a minimum of $10,000 for non-qualified funds and $5,000 for qualified funds.

Liquidity Options 
  • Free Withdrawal: 15% of the principal (remaining principal, not original) once per contract year. 
  • 15% penalty free withdrawal is available in the first contract year on the 10-year MYGA term after 30 days 
  • Accrued Interest is available at any time

Find out if the Guardian Eagle (10-Year) is the right product for you.


Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
9 5.25% 5.25% 5.25%


No Riders for Guardian Eagle (10-Year) annuity.


Nursing Home

A nursing home feature can waive all withdrawal charges for qualifying conditions at no additional cost.

Terminal Illness

A terminal illness feature can waive all withdrawal charges for qualifying conditions at no additional cost.

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