New Study: 4% Rule Is Out, Annuities Are In
The so-called 4% rule has been the standard advice given from financial professionals for several decades now. This method recommends … Continued
Fixed Annuity Rates
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.
TOP RATES as of 4/6/2020
| 3 Year MYGA | 2.75% |
| 5 Year MYGA | 4.00% |
| 7 Year MYGA | 4.03% |
| 10 Year MYGA | 4.06% |
| 15 Year MYGA | 3.75% |
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FROM OUR BLOG
Legacy Launches New Fixed Index Annuity
Legacy Marketing Group has just launched a new fixed index annuity issued by Ameritas Life Insurance Corp, an “A” rated … Continued
Annuity Advantages
An annuity is a contract between you and an insurance company, whereby you give the insurer your premium dollars, and … Continued
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
Annuity FYI Expert
ARTICLES & GUIDES
As Recession Fears Rise, is it Time to Lower Your Risk and Protect Gains?
Should investors with significant stock market exposure lower their risk and protect their gains? In large part, it depends upon your risk tolerance, as well as your age. Bear markets typically accompany recessions and can be particularly painful for retirees, most of whom no longer earn a paycheck. On the other hand, sound stock market investing is a long-term game...
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...
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
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 are invested primarily in government securities and high-grade corporate bonds...
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