Synergy MYGA Leaderboard Week of November 17, 2025 Rates as of 11/18/2025 – always verify state...
Week of December 1st, 2025
Synergy MYGA Leaderboard
As of Monday, December 1, 2025 | Verify state availability, bands & details before quoting.
🔥 Weekly Spotlights (3 Stand-Out Annuities)
- Rate King – 5-Year: Wichita National Life – Security 5 MVA at 6.25% for 5 years. No free withdrawals, but a great "top of the sheet" rate play for pure savers.
- Headline Number – 6-Year: Atlantic Coast Life – Safe Haven 6 MVA showing a 6.70% current rate on a 6-year term. Strong rate story for aggressive CD/treasury shoppers.
- Liquidity + Rating Sweet Spot: Axonic Insurance – Waypoint 5 MYGA (High Band) at 5.80% for 5 years, with 10% free withdrawals after year 1 and an A– AM Best rating — ideal when you need both yield and flexibility.
| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
|---|---|---|---|
| 2-Year |
CL Life – CL Sundance 2 MVA Rate: 5.25% for 2 years Free WD: Interest only (Yr 1 & 2+) AM Best: B++ |
Axonic – Waypoint 2 MYGA MVA (High Band) Rate: 5.00% for 2 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Axonic Waypoint 2 MYGA (A–, 10% free). |
| 3-Year |
Wichita National – Security 3 MVA Rate: 5.85% for 3 years Free WD: 0% / 0% AM Best: B+ |
Axonic – Waypoint 3 MYGA MVA (High Band) Rate: 5.55% for 3 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Axonic Waypoint 3 MYGA (A–, 10% free). |
| 4-Year |
Nassau – Simple Annuity 4 MVA Rate: 5.15% for 4 years Free WD: 5% / 5% AM Best: B++ |
Oceanview – Harbourview 4 MVA (Mid Band) Rate: 5.10% for 4 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A |
Same as "Best w/ 10% Liquidity" — Harbourview 4 (A rating, 10% free). |
| 5-Year |
Wichita National – Security 5 MVA Rate: 6.25% for 5 years Free WD: 0% / 0% AM Best: B+ |
Axonic – Waypoint 5 MYGA MVA (High Band) Rate: 5.80% for 5 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Waypoint 5 MYGA (A–, 10% free). |
| 6-Year |
Atlantic Coast Life – Safe Haven 6 MVA Rate: 6.70% current (6-year term) Free WD: 0% / 0% AM Best: B++ |
Oxford Life – Multi-Select 6 MVA Rate: 5.40% for 6 years Free WD: Interest only Yr 1 / 10% Yr 2+ AM Best: A |
Same as "Best w/ 10% Liquidity" — Multi-Select 6 (A rating, 10% free after year 1). |
| 7-Year |
Knighthead Life – Staysail 7 (Simple Interest) MVA (High Band) Rate: 6.50% simple interest for 7 years Free WD: 0% / 0% AM Best: A– |
Axonic – Waypoint 7 MYGA MVA (High Band) Rate: 5.50% for 7 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Waypoint 7 MYGA (A–, 10% free). |
| 8-Year |
EquiTrust – Certainty Select 8 MVA Rate: 5.40% for 8 years Free WD: Interest only (Yr 1 & 2+) AM Best: B++ |
Clear Spring Life – Preserve MYGA 8 MVA (High Band) Rate: 5.25% for 8 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Preserve 8 (A–, 10% free). |
| 9-Year |
Liberty Bankers Life – Heritage Elite 9 MVA Rate: 5.30% for 9 years Free WD: 0% / 0% AM Best: A– |
Clear Spring Life – Preserve MYGA 9 MVA (High Band) Rate: 5.25% for 9 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Preserve 9 (A–, 10% free). |
| 10-Year |
Wichita National – Security 10 MVA Rate: 6.05% for 10 years Free WD: 0% / 0% AM Best: B+ |
Axonic – Waypoint 10 MYGA MVA (High Band) Rate: 5.50% for 10 years Free WD: 0% Yr 1 / 10% Yr 2+ AM Best: A– |
Same as "Best w/ 10% Liquidity" — Waypoint 10 MYGA (A–, 10% free). |
Compliance Note: Rates shown are for illustration only and may vary by state, age, premium band, or effective date. Always verify current rates, state approvals, surrender schedules, and carrier ratings before quoting or submitting business.