Compare the Best Multi-Year Guaranteed Annuity (MYGA) Rates Today
With a Multi-Year Guaranteed Annuity, you can ensure your principal is protected while it grows—safely, predictably, and tax-deferred.
For many savers, the financial landscape presents significant challenges that can threaten their security.
Your hard-earned savings could lose value in a downturn, right when you need them most.
Traditional CDs and savings accounts often fail to keep pace with inflation, slowly eroding your purchasing power.
The interest earned from bank CDs and savings is taxed annually, which significantly reduces your net earnings and compounding potential.
A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed annuity that acts as a powerful tool for conservative savers. It offers a straightforward way to grow your money with complete peace of mind.
Your money grows at a competitive, locked-in interest rate for the entire term you choose. This is the core benefit of a Multi-Year Guaranteed Annuity.
Your principal and credited interest are safe from all stock market losses, providing a stable foundation for your retirement funds.
You pay no taxes on the interest your annuity earns until you withdraw the funds. This allows your earnings to compound faster. According to the IRS this tax deferral is a key feature of non-qualified annuities.
You can choose a guarantee period that aligns with your financial plan, typically ranging from 3, 5, 7, or 10 years.
Select a term of 3, 5, 7, or 10 years – whatever best fits your retirement timeline and financial goals.
Your interest rate is fixed for the entire term, meaning there are no surprises or adjustments. You'll know your exact return from day one.
Enjoy predictable, tax-deferred growth without the stress of market fluctuations.
Choosing not to secure a portion of your savings in a guaranteed product exposes you to preventable risks:
Your savings could decline when you need them most, forcing you to alter your retirement lifestyle.
Keeping your money in low-rate accounts means you are likely losing purchasing power year after year.
By paying taxes on interest annually in a CD or savings account, you miss out on the powerful effect of tax-deferred compounding that a Multi-Year Guaranteed Annuity offers.
Financial Peace of Mind – Sleep soundly knowing your money is safe.
Steady Growth – Your savings will grow at a guaranteed rate, tax-deferred.
Retirement Confidence – Enjoy your retirement without worrying about market downturns.
*All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. These guarantees are supported by the insurer’s assets and are further protected by State Guaranty Associations, which are overseen by organizations like the National Association of Insurance Commissioners (NAIC).
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