MYGA Leaderboard

Week of April 13th 2026

Written by Eric Estrada | Apr 13, 2026 3:08:17 PM
Synergy MYGA Leaderboard
Monday, April 13, 2026
This Week's Spotlight Products
Best Overall Rate
Knighthead Life – Staysail 7
6.50% fixed for 7 years
Best With 10% Liquidity
Axonic – Waypoint 5 MYGA
5.65% with 10% free withdrawal
Best With 10% Liquidity + A– or Better
Oceanview – Harbourview 10
5.55% with 10% free withdrawal and A rating
2026 MYGA Leaderboard
Term Best Overall Rate Best with 10% Liquidity Best with 10% + A– or Better
2 Year CL Sundance 2 – 5.15% None Available Axonic Waypoint 2 – 5.00%
3 Year NexAnnuity Nex3 – 5.75% None Available Axonic Waypoint 3 – 5.40%
4 Year Oceanview Harbourview 4 – 5.20% Oceanview Harbourview 4 – 5.20% Oceanview Harbourview 4 – 5.20%
5 Year American Gulf Anchor 5 – 6.30% Axonic Waypoint 5 – 5.65% Axonic Waypoint 5 – 5.65%
6 Year American Gulf Anchor 6 – 6.30% Oxford Multi-Select 6 – 5.55% Oxford Multi-Select 6 – 5.55%
7 Year Knighthead Staysail 7 – 6.50% Axonic Waypoint 7 – 5.50% Axonic Waypoint 7 – 5.50%
8 Year Equitrust Certainty Select 8 – 5.20% Oxford Multi-Select 8 – 5.20% Oxford Multi-Select 8 – 5.20%
9 Year Liberty Bankers Heritage Elite 9 – 5.50% Capitol Life Heritage Classic 9 – 5.25% Capitol Life Heritage Classic 9 – 5.25%
10 Year Heartland Secure Rate 10 – 6.00% Oceanview Harbourview 10 – 5.55% Oceanview Harbourview 10 – 5.55%
Quick Take
6%+ still exists, but mostly in longer-term or no-liquidity designs. Once you require 10% free withdrawal, the sweet spot is mostly in the 5.20%–5.65% range. Axonic stays strong in the middle lane, while Oceanview remains a clean A-rated option with access.
Verify state availability, rate bands, carrier approvals, and product details before quoting. Rates and product features may change without notice.