Best Guaranteed Annuity Rates

Sky Harbourview (CA Only)

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP
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Single Premium Deferred Annuity with Market Value Adjustment (MVA).
Advantages of a Multi-Year Guaranteed Annuity:
  • Principal Protection
  • Guaranteed Interest Rates
  • Tax-Deferred Earning Flexible Annuitization & Settlement Options
  • Death Benefits For Beneficiaries
Issue Age
  • 0 through 89 (non-qualified and qualified assets)
The issue age is 89 +364 days

10% of Contract Value on or after the first year of Contract anniversary without Surrender Change penalty.
Minimum Withdrawal Amount = $250

Free Partial Withdrawals
After the first 12 months, up to 10% of account value is available for withdrawal without surrender charges, annually. Withdrawals in excess of the 10% free annual allowance will be subject to surrender charges and an MVA. The Minimum Withdrawal Amount is $250.

Surrender Charges
A surrender charge applies to all withdrawals over 10% during the contract term and reduces your contract value.

Market Value Adjustment
A Market Value Adjustment (MVA) applies to all withdrawals subject to Surrender Charges. The MVA may have the effect of increasing or decreasing the Surrender Value of the withdrawal depending on market interest rates. The Product Disclosure provided to you at the time of the application has additional details regarding the MVA.

Settlement Options
Life Only; Life with 10-Year Period Certain; Joint and Last Survivor with 10- Year Period Certain. (If Annuitized).

Contract Renewal Process
at least thirty (30) days prior to the end of the Guarantee Period, we will send the client a notification indicating the date the Guarantee Period is ending. 

Prior to the end of the Guarantee Period, the client may elect to:
  1. Continue the Contract for the same Guarantee Period at the declared renewal rate;
  2. Surrender the Contract without Surrender Charges or application of any Market Value Adjustment;
  3. Apply the Contract Value to a Settlement Option;
  4. Continue the Contract for another Guarantee Period that we make available at the time of renewal; or
  5. Take a partial withdrawal, with no Surrender Charges or Market Value Adjustment, and apply the remaining value to another Guarantee Period, which may be the same or different than the prior Guarantee Period.
If no election is made, the Contract will renew for the same Guarantee Period at the declared renewal rate.

Find out if the Sky Harbourview (CA Only) is the right product for you.


MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.8%
5 years 4.9%
7 years 4.75%

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
9 4.8% 4.8% 4.8%


No Riders for Sky Harbourview (CA Only) annuity.


Nursing Home

After the first contract anniversary, in the event that the contract owner is confined to a nursing home, any applicable MVA or surrender charges will be waived on any withdrawal. Nursing home confinement is defined as at least 90 consecutive days or at least 90 days if there is no more than a 6-month break in the confinement. Confinement must be prescribed by a qualified physician and medically necessary. Proof must be furnished to the Company during confinement or within 90 days after such confinement. The nursing home waiver does not include home health care.

Terminal Illness

After the first contract anniversary, in the event that the contract owner is terminally ill and not expected to live more than 12 months, any applicable MVA and surrender charges will be waived on any withdrawal. The terminal illness must be diagnosed by a qualified physician after the contract’s issue date. Proof of terminal illness must be provided to the Company.

Surrender Window

30 Days Prior to the end of the Contract’s Interest Rate Guaranteed Period, the Agent and Policy Holder will be alerted to the following options: 1. Surrender Contract (not subject to surrender charges or MVA). If client does not make an election, the Contract renews for the same Guarantee Surrender Charge Period at the declared new money rate (never less than 1%). 2. Apply for a new Contract Guarantee Period of choice with the declared new money rate with a corresponding new Surrender Charge Period. 3. Take a partial withdrawal (not subject to surrender charges or MVA), and renew the remaining value to the same Guarantee Period or apply to another Guarantee Period. 4. 1035 Exchange Full or Partial account value. 5. Spousal Continuation: This option allows one spouse to continue the other’s contract as the new annuitant. In the event of the death of one spouse, contracts that are jointly owned by spouses or a single-owner contract with a sole spouse beneficiary allow the surviving spouse to assume all rights to the initial agreement. They will have the ability to elect to continue the contract, collect any remaining and all payments and any death benefits and choose beneficiaries, subject to certain conditions. This provision allows for the surviving spouse to maintain a tax- deferred status and secure long- term financial stability.

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