Best Guaranteed Annuity Rates

Navigator Elite MVA

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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, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, Inherited IRA, NQ Stretch, and TSP
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Navigator Elite MVA is a Single Premium, Tax-Deferred, Multi-Year Guarantee Annuity (MYGA). MYGA offers the growth and liquidity to meet your retirement savings needs.

Annuitant’s Actual Issue Age 
Your Navigator Elite MVA annuity can be issued for Annuitant ages 0-97 for the 3-year guarantee option, or ages 0-84 for the 5 and 7-year guarantee options. 

Minimum/Maximum Premium 
The minimum single premium amount that can be applied to your Navigator Elite MVA annuity is $10,000. The maximum is $1,000,000, without prior approval from the Company before an application is submitted. 

Tax Qualifier 
  • Non-Qualified; 
  • IRA including Roth, SEP, Simple, & Traditional.
  • TSP accepted as a rollover to IRA
  • Inherited/Beneficiary IRA usually taken as a direct transfer
Penalty-Free Partial Surrender Amount 
Beginning in the first year of your Navigator Elite MVA annuity, you may partially surrender (withdraw) up to 10% of your annuity value per contract year without surrender charges or Market Value Adjustment (MVA). 

Market Value Adjustment
Your Navigator Elite MVA annuity includes a Market Value Adjustment (MVA). This feature allows us to offer a higher guaranteed interest rate on your annuity than a plan without an MVA. This adjustment may increase or decrease the amount you receive, and depends on daily changes in the Constant Maturity Treasury1 (CMT) rates from your contract date. If you do not annuitize, surrender, or withdraw more than the penalty-free amount during the surrender charge period, the MVA will not affect the value of your annuity. 

Find out if the Navigator Elite MVA is the right product for you.


MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
5 years 5.3%
7 years 5.3%


No Riders for Navigator Elite MVA annuity.



Surrender Charges are waived upon death of the Annuitant.

Terminal Illness

Allows your client to surrender their entire annuity value free of surrender charges if the annuitant is diagnosed with a terminal illness. The diagnosis must result in a life expectancy of 12 months or less.

Surrender Window

After the initial guarantee period, you will have a 45-day grace period from the beginning of each subsequent guarantee period to surrender your contract without surrender charges or applicable MVA. We will send you a reminder at least 45 days before the end of each guarantee period.

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