Best Guaranteed Annuity Rates

Stellar Security

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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
1st year: -100%
2nd+ year: 10%
Launch date
Types of funds
Non-Qualified, IRA, and IRA-Roth
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Stellar Security 5 Year Guaranteed Annuity is a Single Premium Deferred Fixed Multi-Year Guaranteed Annuity. The contract has an Interest Rate Guarantee and provides a Conditional Waiver of Withdrawal Charges. The contract will provide a Monthly Income at Maturity. This contract is Non-Participating.

Issue Ages
18-90 Available with prior Home Office Approval for individuals under 18 years of age.

Free Withdrawals
Withdrawals up to 10% of the previous contract anniversary’s Contract Value and is allowed once per Contract Year, beginning on the contract’s first anniversary. Interest Only withdrawals are available after 1st month.

Required Minimum Distribution
Withdrawal charges will be waived or free for tax-qualified withdrawals that are necessary to meet IRS Required Minimum Distributions after the sixth contract month.

Death Benefit
The amount of the Death Benefit will be the greater of the Contract Value without any reduction due to any Withdrawal Charge, or the Guarantee Minimum Surrender Value 

Find out if the Stellar Security is the right product for you.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
5 years 5.75%


No Riders for Stellar Security annuity.



Withdrawal charges will be waived upon death of the Owner (or Joint Owner), or the Annuitant if the Owner is not a natural person.


The Medical Facility Benefit is a waiver benefit provided free of any charges or fees. The waiver is standard on all Qualified and Non-Qualified Contracts when an individual owner, or if Jointly Owned, the oldest Owner has not attained Age eighty-five (85) on the Contract Effective Date. If the Owner is a Non-Natural Person entity, the Age restriction is based on the Age of the annuitant. You are eligible for the Medical Facility Benefit after the first Contract Anniversary, if your confinement began after the Contract Effective Date, and you satisfy all the requirements of this benefit. The Medical Facility Benefit requires a minimum sixty (60) day consecutive stay at a Health Care Facility. Mental health and substances abuse facilities do not qualify. The maximum Free Withdrawal Amount under the benefit is calculated at time of disbursement at 50% of the Contract Value on the previous Contract Anniversary date.

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