Week of August 3rd 2026

Written by Eric Estrada | Aug 3, 2026, 5:59:01 PM

MYGA Leaderboard

Monday, August 3, 2026

This Week's Spotlight Products

Highest Headline Rate: Knighthead Life Staysail 7 at 7.20%. This is a simple-interest product, producing a listed guaranteed yield of 6.00% over seven years.
Strong Fixed-Rate Value: Revol One Financial DirectGrowth 10 offers 6.25% for ten years with a $10,000 minimum premium. It is B++ rated and does not include annual free withdrawals.
Best Blend of Rate, Rating, Liquidity and Compensation: Axonic Insurance Waypoint 5 offers 5.80%, an A- rating, 10% annual liquidity beginning in year two and 2.25% compensation at all issue ages through 89.

MYGA Rate Leaderboard

Term	Best Overall Rate	Best with 10% Liquidity	Best A-Rated with 10% Liquidity
2 Year	CL Life CL Sundance 2 5.15% B++	Oceanview Life Harbourview 2 5.05% A \| 10% Yr. 2+	Oceanview Life Harbourview 2 5.05% A \| 10% Yr. 2+
3 Year	Knighthead Life Staysail 3 6.10% A- \| Simple Interest 5.76% GTD Yield	Axonic Insurance Waypoint 3 5.50% A- \| 10% Yr. 2+	Axonic Insurance Waypoint 3 5.50% A- \| 10% Yr. 2+
4 Year	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+
5 Year	Knighthead Life Staysail 5 6.70% A- \| Simple Interest 5.95% GTD Yield	Axonic Insurance Waypoint 5 5.80% A- \| 10% Yr. 2+	Axonic Insurance Waypoint 5 5.80% A- \| 10% Yr. 2+
6 Year	American Gulf Anchor MYGA 6 6.00% B++	Oxford Life Multi-Select 6 5.85% A \| Interest Yr. 1 / 10% Yr. 2+	Oxford Life Multi-Select 6 5.85% A \| Interest Yr. 1 / 10% Yr. 2+
7 Year	Knighthead Life Staysail 7 7.20% A- \| Simple Interest 6.00% GTD Yield	Oxford Life Multi-Select 7 5.65% A \| Interest Yr. 1 / 10% Yr. 2+	Oxford Life Multi-Select 7 5.65% A \| Interest Yr. 1 / 10% Yr. 2+
8 Year	EquiTrust Life Certainty Select 8 5.50% B++ \| Interest Withdrawals	Pacific Guardian Life Diamond Head 8 5.40% A \| 10% Yr. 1 and Yr. 2+	Pacific Guardian Life Diamond Head 8 5.40% A \| 10% Yr. 1 and Yr. 2+
9 Year	Royal Neighbors of America MYGA 9 Year 5.45% A \| Interest Withdrawals	Pacific Guardian Life Diamond Head 9 5.40% A \| 10% Yr. 1 and Yr. 2+	Pacific Guardian Life Diamond Head 9 5.40% A \| 10% Yr. 1 and Yr. 2+
10 Year	Revol One Financial DirectGrowth 10 6.25% B++	Oceanview Life Harbourview 10 5.80% A \| 10% Yr. 2+	Oceanview Life Harbourview 10 5.80% A \| 10% Yr. 2+

Important: Knighthead Staysail rates shown above are credited using simple interest. The report lists guaranteed yields of 5.76% for three years, 5.95% for five years and 6.00% for seven years.

Rates, commissions, product availability, state approvals and carrier guidelines are subject to change without notice. Verify all product details with Synergy Annuity before making a recommendation. This material is intended for licensed insurance professionals and is not intended for consumer use.

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Term	Best Overall Rate	Best with 10% Liquidity	Best A-Rated with 10% Liquidity
2 Year	CL Life CL Sundance 2 5.15% B++	Oceanview Life Harbourview 2 5.05% A \| 10% Yr. 2+	Oceanview Life Harbourview 2 5.05% A \| 10% Yr. 2+
3 Year	Knighthead Life Staysail 3 6.10% A- \| Simple Interest 5.76% GTD Yield	Axonic Insurance Waypoint 3 5.50% A- \| 10% Yr. 2+	Axonic Insurance Waypoint 3 5.50% A- \| 10% Yr. 2+
4 Year	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+	Oceanview Life Harbourview 4 5.60% A \| 10% Yr. 2+
5 Year	Knighthead Life Staysail 5 6.70% A- \| Simple Interest 5.95% GTD Yield	Axonic Insurance Waypoint 5 5.80% A- \| 10% Yr. 2+	Axonic Insurance Waypoint 5 5.80% A- \| 10% Yr. 2+
6 Year	American Gulf Anchor MYGA 6 6.00% B++	Oxford Life Multi-Select 6 5.85% A \| Interest Yr. 1 / 10% Yr. 2+	Oxford Life Multi-Select 6 5.85% A \| Interest Yr. 1 / 10% Yr. 2+
7 Year	Knighthead Life Staysail 7 7.20% A- \| Simple Interest 6.00% GTD Yield	Oxford Life Multi-Select 7 5.65% A \| Interest Yr. 1 / 10% Yr. 2+	Oxford Life Multi-Select 7 5.65% A \| Interest Yr. 1 / 10% Yr. 2+
8 Year	EquiTrust Life Certainty Select 8 5.50% B++ \| Interest Withdrawals	Pacific Guardian Life Diamond Head 8 5.40% A \| 10% Yr. 1 and Yr. 2+	Pacific Guardian Life Diamond Head 8 5.40% A \| 10% Yr. 1 and Yr. 2+
9 Year	Royal Neighbors of America MYGA 9 Year 5.45% A \| Interest Withdrawals	Pacific Guardian Life Diamond Head 9 5.40% A \| 10% Yr. 1 and Yr. 2+	Pacific Guardian Life Diamond Head 9 5.40% A \| 10% Yr. 1 and Yr. 2+
10 Year	Revol One Financial DirectGrowth 10 6.25% B++	Oceanview Life Harbourview 10 5.80% A \| 10% Yr. 2+	Oceanview Life Harbourview 10 5.80% A \| 10% Yr. 2+