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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 10/18/21

3 Year MYGA2.40%
5 Year MYGA3.15%
7 Year MYGA3.20%
10 Year MYGA3.25%
15 Year MYGANA
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FROM OUR BLOG

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For many, the “savings” part of retirement planning is the easy part. It’s figuring out how to turn that savings … Continued

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Are You Holding Your Retirement Portfolio Back? Annuity Myths Debunked

Annuity sales continue to make headlines as more and more consumers add them to their retirement planning portfolios. For those … 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, Licensed Professional

ARTICLES & GUIDES

It's a good idea to hedge your bets if you own an equity-oriented growth fixed indexed annuity (FIA), especially if you're a retiree living on a fixed income.

Robust Stock Market or Not, Fixed Annuities Make Sense as an Income Hedge

It's a good idea to hedge your bets if you own an equity-oriented growth fixed indexed annuity (FIA), especially if you're a retiree living on a fixed income...
If you invest, say, $100,000 in a three-year MYGA today, and take no withdrawals along the way, you walk away with more than $107,000... in a five-year MYGA, you walk away with more than $116,000.

Hands Down, Select Annuities Today Are Better Than CDs

If you invest, say, $100,000 in a three-year MYGA today, and take no withdrawals along the way, you walk away with more than $107,000...
Bucking the Herd, One Annuity Purveyor is Temporarily Offering Generous Rates on a Seven-Year MYGA

Product Review: Sammons LiveWell Guarantee Annuity

Bucking the Herd, One Annuity Purveyor is Temporarily Offering Extremely Generous Rates on a Seven-Year MYGA ...
If youre in the stock market, is it time to lower your risk and protect your gains by turning to less risky financial vehicles? Is the next recession on the horizon?

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...
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...

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