Best Guaranteed Annuity Rates

Lincoln MYGuarantee Plus

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The Lincoln MYGuarantee Plus is a single premium deferred annuity with a market value adjustment. The minimum single premium amount is $10,000 non-qualified and qualified. 10% of the accumulated value may be withdrawn annually. Systematic Withdrawal is an option. Surrender charges vary based on rate term chosen and are waived in the event of annuitization or death. The minimum guaranteed interest rate is 1.00% or such higher rate(s) as may be in effect in the state on the day the policy is issued. NJ and PA - issued as group certificate only. 

The value of this fixed product cannot go down unless the contract owner takes a withdrawal. The product has an initial interest rate guarantee period, with subsequent interest rates renewing annually on the contract anniversary. 5, 7, and 10 year guarantee periods currently offered.

The death benefit is equal to the greater of the accumulation value or the Guaranteed Minimum Cash Surrender Value.

No return of premium feature.

Free Withdrawals
During the surrender charge period, 10% of the accumulation value is available per contract year. This partial surrender can be taken without a Market Value Adjustment (MVA) or surrender charge. If the withdrawal takes the accumulation value below $5,000, it may be treated as a full surrender. 

Market Value Adjustment (MVA)
An MVA and a surrender charge will apply if you access more than the 10% free withdrawal before the end of the initial interest rate guarantee period. The MVA is a positive or negative adjustment based on the current interest rate environment at the time of surrender. The MVA does not apply to withdrawals after the surrender charge period, 10% free withdrawals, the death benefit, or when the contract is annuitized. 

MYGA Interest Rates

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

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
7 3.2% 3.2% 3.2%

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