Best Guaranteed Annuity Rates


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Premium Type
Single Premium
Min age Qualified
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, and IRA-Roth
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Royal Neighbors Multi-Year Guarantee Annuity (MYGA) allows for one lump-sum premium. It will earn tax-deferred interest until maturity, which provides guaranteed growth. MYGA provides you with two guaranteed interest rate periods, each of the same length – 3, 5, or 9 years. After the second guaranteed interest rate period, the MYGA will not credit interest below the minimum guaranteed interest rate. With the two guaranteed interest rate periods and the minimum guaranteed interest rate, you will be accumulating retirement savings with the comfort in knowing your nest egg will always grow.

Issue Ages:
  • Owner and Annuitant: 18-85, age last birthday (non-qualified, traditional, and ROTH).
  • Owner and Annuitant: 21-85, age last birthday (SEP).
Minimum Premium: $10,000
Maximum Premium: Accept up to $500,000 within a one-year period without prior company approval. Amounts over $500,000 require company approval.  Maximum premium is $1,000,000.

Partial Withdrawal:
If any Partial Withdrawal reduces the Account Value below the minimum premium, the company reserves the right to pay the full surrender value and terminate the Certificate.
Surrender Charges will not apply to Partial Withdrawals of interest credited.
Each Partial Withdrawal is characterized first as a withdrawal of interest earnings and second as a withdrawal of premiums paid.

Withdrawal of Interest Earnings:
The interest earned may be withdrawn without Surrender Charges if withdrawn at any time in the contract. Each withdrawal is characterized first as a withdrawal of interest earnings and second as a withdrawal of premiums paid.

Cash Surrender Value
The Owner may surrender for Cash Surrender Value at any time on or before the Maturity Date.  Cash Surrender Value on any day is the Cash Value on the date calculation, less any indebtedness. Cash Value is equal to the greater of (a) the Account Value, less any Surrender Charge or (b) the Guaranteed Minimum Value.

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

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.65%
5 years 4.55%
9 years 4.5%


No Riders for MYGA CA annuity.



Any internal annuitization occurring during the Guaranteed Credited Interest Rate Periods outside of the 30-day window will waive Surrender Charges at the discretion of RNA. Surrender charges will be waived for early annuitization under the following conditions: 1. If the certificate is 5 years old and at least a 5-year certain annuity is selected for the payment option; or 2. If a life contingent annuity is selected and the monthly payment is less than or equal to the monthly payment for a 5-year certain annuity. Note that when Surrender Charges are waived, the Guaranteed Minimum Value will be used if larger than the Account Value for annuitization.

Surrender Window

No Surrender Charge applies during the final 30 days of the last Certificate Year of the guaranteed interest rate period.

Emergency Access

Automatically attached to all certificates and becomes effective on the issue date of the certificate. After the first certificate anniversary, the owner is eligible for a one-time withdrawal of up to 50% of the account value as of the beginning of the certificate year without surrender charges. The maximum withdrawal is $250,000. A qualifying emergency event (listed in the contract) must be met to utilize this benefit. There is no premium charge for this rider. This rider will terminate when the owner exercises the rider and takes a partial withdrawal due to a qualifying emergency or when the certificate terminates.

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