Week of April 27th 2026

Written by Eric Estrada | Apr 27, 2026 9:51:17 PM

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.

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