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Week of January 12th 2026

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Synergy MYGA Leaderboard
As of Monday, January 12, 2026
🔦 This Week's 3 Spotlight Standouts
  • Highest Short-Term Yield (3-Year):
    Sentinel – Personal Choice Annuity 3 at 5.80%
    Very high rate, low minimum ($2,500), but no liquidity and B++ rated.
  • Best All-Around 5-Year with Liquidity:
    Axonic – Waypoint 5 MYGA at 5.70%
    10% free withdrawal, A– rating, strong for CD-replacement style money.
  • Eye-Popping Long-Term Rate (10-Year):
    Sentinel – Personal Choice Annuity 10 at 6.05%
    Huge headline rate, but no liquidity and B++ rated.
🏆 MYGA Leaderboard by Term
Term Best Overall Rate Best w/ 10% Liquidity Best w/ 10% + A– or Better
2-Year CL Sundance 2 – 5.25% (B++) Axonic Waypoint 2 – 5.00% (10% Yr 2+) Axonic Waypoint 2 – 5.00% (A–, 10% Yr 2+)
3-Year Sentinel PC 3 – 5.80% (B++) Axonic Waypoint 3 – 5.45% (10% Yr 2+) Axonic Waypoint 3 – 5.45% (A–, 10% Yr 2+)
4-Year Nassau Simple 4 – 5.15% (B++) Oceanview Harbourview 4 – 5.10% (10% Yr 2+) Oceanview Harbourview 4 – 5.10% (A, 10% Yr 2+)
5-Year Sentinel PC 5 – 6.05% (B++) Axonic Waypoint 5 – 5.70% (10% Yr 2+) Axonic Waypoint 5 – 5.70% (A–, 10% Yr 2+)
6-Year Atlantic Coast Safe Haven 6 – 5.87% GTD Yield (B++) None available on this sheet None available on this sheet
7-Year Sentinel PC 7 – 6.05% (B++) Axonic Waypoint 7 – 5.50% (10% Yr 2+) Axonic Waypoint 7 – 5.50% (A–, 10% Yr 2+)
8-Year EquiTrust Certainty Select 8 – 5.40% (B++) Clear Spring Preserve 8 – 5.25% (10% Yr 2+) Clear Spring Preserve 8 – 5.25% (A–, 10% Yr 2+)
9-Year Clear Spring Preserve 9 – 5.25% (A–) Clear Spring Preserve 9 – 5.25% (10% Yr 2+) Clear Spring Preserve 9 – 5.25% (A–, 10% Yr 2+)
10-Year Sentinel PC 10 – 6.05% (B++) Axonic Waypoint 10 – 5.50% (10% Yr 2+) Axonic Waypoint 10 – 5.50% (A–, 10% Yr 2+)
Compliance Note: Verify state availability, rate bands, surrender schedules, and product details before quoting or submitting business.