This type of annuity offers guaranteed growth and flexible access. Because it’s not tax-deferred, you can withdraw your money before age 59½ without IRS penalties. Plus, many allow you to take out up to 10% of your account value each year penalty-free — making it a versatile option for guaranteed growth at any age.
Fixed interest rate for a set term
Penalty-free 10% withdrawal per year
Avoid a surprise tax bill at the end of your term
Withdraw before 59½ with no IRS penalty
Earn
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the national CD average
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APY
Our rates up to
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A non–tax-deferred MYGA offers guaranteed fixed growth with predictable returns — without stock market risk. Because interest is paid annually and taxed in the year it’s earned, it can be a useful way to grow retirement savings without facing a large lump-sum tax bill at the end of your term.
A tax-deferred MYGA offers guaranteed fixed growth for a set term, with no risk to your principal. Because taxes on interest are deferred until you withdraw funds, more of your money stays invested and working for you — making it a strong option for growing retirement savings over time.
Tax-deferred earnings help savings grow faster
Zero risk to your principal
Flexible term lengths to fit your timeline
Guaranteed rates up to
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This type of annuity protects your principal while giving you the potential for growth based on the performance of a market index, up to a set cap. You’ll benefit from market-linked growth without risking your original investment, along with tax-deferred earnings for the length of the term.
100% principal protection
Growth linked to a market index (up to a cap)
Tax-deferred earnings over the term
Guaranteed minimum return regardless of market performance
It seems you’re not sure where to begin — and that’s okay. Our team can help you understand how different annuities work, answer your questions, and give you the information you need to feel confident about your next step.
Your answers don’t match any of our current quiz results, but you can still explore other types of annuities that are available. Take a look to see if one of these could fit your needs:
Guaranteed fixed growth with flexible access
May be ideal for:
those who want to purchase an annuity and withdraw their funds before 591/2.
Fixed-rate growth with tax-deferred earnings for long-term savers
those seeking fixed growth for retirement savings.
You mentioned you’re looking for [retirement savings / income for life / stock market growth], but since you’re under 25, you might benefit more from a product that gives you more flexibility to access your money early.
A non–tax-deferred MYGA offers guaranteed fixed growth and allows you to withdraw funds before age 59½ without the 10% IRS penalty. You can also take out up to 10% of your account value each year without a withdrawal charge, giving you more flexibility while still earning a predictable return.
Fixed interest rate for a set term (3–10 years)
10% penalty-free withdrawals each year
Interest paid annually and taxable in the year earned
