Best Guaranteed Annuity Rates

Excelera MYGA

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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, IRA, Spousal IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
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Excelera Multi Year Guarantee Annuity, often referred to as a MYGA, is a fixed annuity designed for long-term financial goals. Your principal grows with a guaranteed fixed interest rate for your chosen term and funds in the MYGA grow tax deferred. With a MYGA, you also have the option to receive a guaranteed income stream later in life.
Excelera offers Guarantee Periods of 3, 5 and 7 years. Your fixed rate is set at the start of your Contract and is guaranteed for its full term.
You can purchase an Excelera MYGA with a minimum premium of $25,000 for qualified funds and $50,000 for non-qualified funds.

Issue Ages
0-85 (Qualified funds)
0-90 (Non-Qualified funds)

Annuitization Payment Options
Your Contract may be annuitized without Surrender Charge or MVA at any time after the third contract year, provided that a life contingent or period certain of 8-10 years is elected.

Market Value Adjustment (MVA) 
The Excelera MYGA comes with a MVA. The MVA applies only when the Surrender Charge applies. The MVA could increase or decrease the amount you receive from Surrender or a withdrawal in excess of the free amount, depending on certain market interest rates. (Please review your contract for complete details.)

Free Partial Withdrawals
If your Contract is renewed for a second term, free partial withdrawals up to 10% of the Accumulation Value may be taken each year without incurring Surrender Charges or MVA.

The Contract Owner can access required IRS Required Minimum Distributions (RMDs) without incurring a Surrender Charge.

Death Benefit 
Equals the Accumulation Value at time of death plus any positive MVA.
  • Surrender Charges do not apply to the death benefits paid. The Death Benefit will not be reduced by any negative MVA. 
  • Death Benefits are paid on the death of the owner(s) unless the owner is a non-natural person (eg. Trust). If the owner is a non-natural person, the death benefit is paid on the death of the annuitant. 
Renewal Process
The Contract Owner will be sent a notification at least 30 days prior to the end of the Initial Interest Guarantee Period notifying them of when the Guarantee Period is ending and of go-forward options. 
If the Contract Owner does not make any election, the Contract will renew for the same Guarantee Period at a credited rate declared by us at the time of the renewal, and a new Surrender Charge Period will begin. 

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


MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 5.75%
5 years 5.85%
7 years 6%


No Riders for Excelera MYGA annuity.



Surrender Charges do not apply to the death benefits paid. The Death Benefit will not be reduced by any negative MVA.

Nursing Home

Surrender Charges and MVA will be waived if one of the following events occurs: 1. The Contract Owner becomes confined to a nursing home for at least 90 consecutive days on or after the Contract Date; 2. The Contract Owner is confined for a total of at least 90 days if there is no more than a 6-month break in the confinement and the confinements are for related causes.

Terminal Illness

Surrender Charges and MVA will be waived if the Contract Owner becomes terminally ill or injured in such a way that they are not expected to live more than 12 months.

Surrender Window

There are no surrender charges during the first 30 days beginning immediately at the end of the Initial Guarantee Period or any subsequent Guarantee Periods.

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