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What is a Fixed Annuity?

Multi-Year Guarantee Annuity is a term used to describe a fixed annuity that has an interest rate guarantee for the same period of time as its surrender period. For example, an annuity with a guaranteed interest rate of 5% per year for five years, where there are no surrender penalties after five years. Some offer a higher rate the first year, and a lower, but guaranteed rate, for all subsequent years of the surrender period – e.g. 8.5% first year, with a guaranteed renewal at 4% for years 2-5 for a blended average of 4.88% per year for five years. The key feature is that you know what interest rate you get for the entire surrender period, and for this reason we ONLY recommend Multi-Year Guarantee Annuities.

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TOP RATES as of 9/16/2019

3 Year MYGA 3.00%
5 Year MYGA 4.00%
7 Year MYGA 4.04%
10 Year MYGA 4.15%
15 Year MYGA 2.95%
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ADVISOR INSIGHT

"Fixed annuities are often overlooked due to bells and whistles associated with indexed annuities. A Multi Year Guaranteed Annuity (MYGAs) pays a constant and guaranteed rate of interest each year during the selected period. The investor can spend the interest as income or allow it to compound inside the contract in a tax deferred basis. The simplicity and predictable outcome allows for many different uses including RMD distributions, wealth transfer and accumulation. As with any annuity contract it is important to understand the differences between the products. The most common mistake is taking the highest interest rate without factoring the liquidity provisions and duration of commitment."

Derek Stamos, Financial Advisor
Annuity FYI Expert

ARTICLES & GUIDES

The bottom line is this: Interest rates that have been pretty good are now very good and are more and more likely to stay this way for some time. So assuming that they will not be trimmed by insurance companies, Atlantic Coast Life MYGAs and others paying highly competitive rates today are extremely attractive.

Product Review:
Atlantic Coast Life Safe Haven

The Atlantic Coast Life Safe Haven's payout rate (up to 4.19%) is the best available. Guaranteed, short terms, no fees. The bottom line is this: Interest rates that have been pretty good are now very good. Assuming that they will not be trimmed by insurance companies, Atlantic Coast Life MYGAs, and others paying highly competitive rates today, are extremely attractive...
 If you happened to purchase a 10-year fixed annuity a decade ago, you nabbed what turned out to be a fabulous deal. They were typically yielding 6.5% to 7% annually – not a match for historic stock market returns, but extremely impressive for a guaranteed fixed-rate investment. Alas, those contracts are now maturing, leaving investors with the decision of what to do now.

As Particularly Generous Decade-Old Fixed Annuities Mature, What Should You Do?

Many fortunate investors bought 10-year fixed annuities a decade ago, when interest rates were markedly higher as a direct result of the Great Recession ....
Annuity Warning #4: Fixed Annuity Rates

Annuity Warning #4: Fixed Annuity Rates

Typically, an annuity company will give you a particular rate up front on a fixed annuity, and then decrease...
Fixed Tax Deferred Annuities

Fixed Tax Deferred Annuities

Fixed tax-deferred annuities are invested primarily in government securities and high-grade corporate bonds...

TESTIMONIALS
2017-08-05
     
Derek was most helpful, sent me exactly what I needed and did a follow up. It was a very good experience.
2019-06-28
     
Comprehensive
2018-01-08
     
Very knowledgeable and professional.

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