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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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WealthGuard MYGA

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Learn how an annuity can provide guaranteed income for life.

Highlights

Premium Type
Single Premium
Max age Qualified
85
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Market value adjustment
Return of premium
Free withdrawal
 10%
Launch date
 08/15/2023
Types of funds
 Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, 1035 Exchange, Inherited IRA, and NQ Stretch
Brochure
 Open brochure
WealthGuard is a fixed-rate deferred annuity, designed for the long term, that provides tax-deferred growth for the time period you choose. Because it has a predetermined rate of return, you will know exactly what growth to expect — and because you aren’t invested in the markets, you are protected from market losses. What’s more, you can access a portion of your money when you need it, and can provide a legacy for your loved ones.
When you purchase your WealthGuard contract, you choose a term which we call the Initial Guaranteed Rate Period. During this term, the rate is guaranteed and won’t change. WealthGuard offers 3-, 5-, and 7-year Initial Guaranteed Rate Periods.

Issue Ages
0-85

Purchase Payment
$25,000 minimum/$1,000,000 maximum
Subsequent payments not permitted

Market Value Adjustment (MVA)
A positive or negative adjustment that applies during the Surrender Charge Period, and any subsequent multi-year renewal periods, to any withdrawals that exceed the Free Withdrawal Amount. The MVA is based on a formula designed to respond to interest rate changes that occur after the annuity has been purchased. Generally speaking: 
  • If interest rates have increased at the time of withdrawal, the result will be a negative MVA 
  • If interest rates have decreased at the time of withdrawal, the result will be a positive MVA
Withdrawal Provisions
Free Withdrawal Amount: 
  • First Contract Year: 10% of total purchase payments 
  • After the first Contract Year: 10% of prior year anniversary Account Value (after all interest has been calculated) 
Required Minimum Distributions: RMD amounts calculated by Prudential are not subject to Surrender Charges or MVA. 

Find out if the WealthGuard MYGA is the right product for you.

MYGA Interest Rates

Term
Rate
Annual percentage yield (APY)
earned over the investment term
3 years 4.25%
5 years 4.4%
7 years 4.4%

Riders

No Riders for WealthGuard MYGA annuity.

Waivers

Terminal Illness

A Withdrawal or Surrender taken as a Medically Related Surrender where the Owner (or Annuitant if your Prudential WealthGuard Multi-Year Guaranteed Annuity is owned by an entity) is diagnosed with a terminal illness.

Surrender Window

Surrender Charges and MVA do not apply for requests to withdraw, surrender, or annuitize during the 30-day window.

Confinement

A Withdrawal or Surrender taken as a Medically Related Surrender where the Owner (or Annuitant if your Prudential WealthGuard Multi-Year Guaranteed Annuity is owned by an entity) is confined to a Medical Care Facility for 90 consecutive days (subject to regulatory approval) after the Annuity Issue Date.

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