Week of December 1st, 2025

Written by Eric Estrada | Dec 3, 2025 7:18:07 PM

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.

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