Week of April 27th 2026
MYGA Leaderboard – April 27, 2026
🔥 Top Selling Opportunities This Week
- Best Overall Rate: American Gulf Anchor MYGA 5–7 Year – 6.30%
- Best with Liquidity: Axonic Waypoint MYGA 5 – 5.70% with 10% free withdrawals after year 1
- Best with Liquidity + A– or Better: Oceanview Harbourview 10 – 5.65%, A-rated, with 10% free withdrawals after year 1
| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
|---|---|---|---|
| 2 Year | CL Sundance 2 – 5.15% B++ |
Axonic Waypoint 2 – 5.00% 10% after year 1 |
Axonic Waypoint 2 – 5.00% A– | 10% after year 1 |
| 3 Year | NexAnnuity Nex3 – 5.75% B+ |
Axonic Waypoint 3 – 5.45% 10% after year 1 |
Axonic Waypoint 3 – 5.45% A– | 10% after year 1 |
| 4 Year | Oceanview Harbourview 4 – 5.20% A |
Oceanview Harbourview 4 – 5.20% 10% after year 1 |
Oceanview Harbourview 4 – 5.20% A | 10% after year 1 |
| 5 Year | American Gulf Anchor – 6.30% B++ | No liquidity |
Axonic Waypoint 5 – 5.70% 10% after year 1 |
Axonic Waypoint 5 – 5.70% A– | 10% after year 1 |
| 6 Year | American Gulf Anchor – 6.30% B++ | No liquidity |
Oxford Multi-Select 6 – 5.55% Interest year 1 / 10% after year 1 |
Oxford Multi-Select 6 – 5.55% A | 10% after year 1 |
| 7 Year | Knighthead Staysail 7 – 6.50% A– | Simple interest | No liquidity |
Axonic Waypoint 7 – 5.50% 10% after year 1 |
Axonic Waypoint 7 – 5.50% A– | 10% after year 1 |
| 8 Year | Equitrust Certainty Select 8 – 5.20% B++ |
Oxford Multi-Select 8 – 5.20% Interest year 1 / 10% after year 1 |
Oxford Multi-Select 8 – 5.20% A | 10% after year 1 |
| 9 Year | Liberty Bankers Elite 9 – 5.50% A– | No liquidity |
Liberty Bankers Classic 9 – 5.25% 10% after year 1 |
Liberty Bankers Classic 9 – 5.25% A– | 10% after year 1 |
| 10 Year | Heartland Secure Rate 10 – 5.90% B++ |
Oceanview Harbourview 10 – 5.65% 10% after year 1 |
Oceanview Harbourview 10 – 5.65% A | 10% after year 1 |
Advisor Takeaways
- Highest rate play: American Gulf is still hard to ignore at 6.30% on the 5, 6, and 7-year terms, but it does not offer 10% liquidity.
- Best liquidity story: Axonic continues to stand out for advisors who want a competitive rate with 10% access after year 1.
- Best A-rated flexibility: Oceanview and Oxford give advisors clean A-rated options with liquidity.
- Important note: Knighthead shows the highest posted 7-year rate, but it is simple interest, so make sure the client understands the difference.
Compliance Note: Rates subject to change. Verify state availability, rate bands, commissions, surrender schedules, and product details before quoting or recommending any product.