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Premium Preferred

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Manhattan Life Premium Preferred annuities are single premium fixed deferred annuities. These annuity products give you the ability to lock in a guaranteed interest rate for the surrender charge period.

Guaranteed Premium Return
The Premium Preferred annuities provide that the Surrender Value will never be less than the premium paid, minus any Partial Surrenders taken.

Tax Qualifier
Premium Preferred annuities can be issued on a qualified or non-qualified basis. Qualified business includes Traditional IRA, Roth IRA, SEP IRA and Simple IRA. (Qualified funds N/A in Puerto Rico)
  • TSP accepted as a rollover to IRA 
  • Inherited/Beneficiary IRA usually taken as a direct transfer
Free Partial Surrender Amount
Beginning the first year, you can partially surrender up to 15% of the Annuity Value without fees or charges.

Flexible Distribution Options
Premium Preferred annuities can be set up to make regular periodic distributions, such as monthly interest. Partial surrenders may be made on a monthly, quarterly, semi-annual or annual basis and need to be set up as Electronic Fund Transfer (EFT).

Death Benefits
If the Annuitant dies, surrender charges will be waived. The Annuity Value is payable as a single sum or under an available settlement option. If the Non-Annuitant Owner dies during the Surrender Charge Period, the Surrender Value shall be paid out. 

MYGA Interest Rates

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

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