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Best Guaranteed Annuity Rates

WealthGuard MYGA

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Learn how an annuity can provide guaranteed income for life.

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

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. 

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4%
5 years 4.05%
7 years 4.35%

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