Week of February 9th 2026

• Best Overall (highest raw rate): Knighthead Life — Staysail 7 (Simple Interest) MVA — 6.50% (7-Year)
• Best with 10% Liquidity: Axonic — Waypoint 5 MYGA MVA (High Band) — 5.70% (5-Year) | 10% free withdrawals starting Year 2
• Best with 10% + A– or Better: Oxford Life — Multi-Select 6 MVA — 5.40% (6-Year) | A Rated + 10% liquidity

Term	Best Overall Rate	Best with 10% Liquidity	Best with 10% + A– or Better
2-Year	CL Life — Sundance 2 MVA B++ | 5.25%	Axonic — Waypoint 2 MYGA MVA (High Band) A– | 5.00% | 10% free WD (Yr 2+)	Axonic — Waypoint 2 MYGA MVA (High Band) A– | 5.00% | 10% free WD (Yr 2+)
3-Year	Revol One Financial — DirectGrowth 3 MVA B++ | 5.55%	Axonic — Waypoint 3 MYGA MVA (High Band) A– | 5.45% | 10% free WD (Yr 2+)	Axonic — Waypoint 3 MYGA MVA (High Band) A– | 5.45% | 10% free WD (Yr 2+)
4-Year	Oceanview Life & Annuity — Harbourview 4 MVA (Mid Band) A | 5.10% | 10% free WD (Yr 2+)	Oceanview Life & Annuity — Harbourview 4 MVA (Mid Band) A | 5.10% | 10% free WD (Yr 2+)	Oceanview Life & Annuity — Harbourview 4 MVA (Mid Band) A | 5.10% | 10% free WD (Yr 2+)
5-Year	American Gulf — Anchor MYGA 5 MVA B++ | 6.30%	Axonic — Waypoint 5 MYGA MVA (High Band) A– | 5.70% | 10% free WD (Yr 2+)	Axonic — Waypoint 5 MYGA MVA (High Band) A– | 5.70% | 10% free WD (Yr 2+)
6-Year	American Gulf — Anchor MYGA 6 MVA B++ | 6.30%	Oxford Life — Multi-Select 6 MVA A | 5.40% | 10% liquidity	Oxford Life — Multi-Select 6 MVA A | 5.40% | 10% liquidity
7-Year	Knighthead Life — Staysail 7 (Simple Interest) MVA (High Band) A– | 6.50% (Simple Interest)	Axonic — Waypoint 7 MYGA MVA (High Band) A– | 5.50% | 10% free WD (Yr 2+)	Axonic — Waypoint 7 MYGA MVA (High Band) A– | 5.50% | 10% free WD (Yr 2+)
8-Year	EquiTrust — Certainty Select 8 MVA B++ | 5.40%	Clear Spring Life — Preserve MYGA 8 MVA (High Band) A– | 5.25% | 10% free WD (Yr 2+)	Clear Spring Life — Preserve MYGA 8 MVA (High Band) A– | 5.25% | 10% free WD (Yr 2+)
9-Year	Liberty Bankers Life — Heritage Elite 9 MVA A– | 5.50%	Capitol Life — Heritage Classic 9 MVA A– | 5.25% | 10% free WD (Yr 2+)	Capitol Life — Heritage Classic 9 MVA A– | 5.25% | 10% free WD (Yr 2+)
10-Year	Heartland National — Secure Rate 10 MVA B++ | 6.00%	Axonic — Waypoint 10 MYGA MVA (High Band) A– | 5.50% | 10% free WD (Yr 2+)	Axonic — Waypoint 10 MYGA MVA (High Band) A– | 5.50% | 10% free WD (Yr 2+)

Compliance note: For agent use only. Verify state availability, rate bands, and all product details (including surrender schedules, free withdrawal provisions, and any product-specific definitions like "simple interest") before quoting or submitting business.