Week of January 12th 2026

• 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.