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Week of January 19th 2026

Picture of Eric Estrada
MYGA Leaderboard
Week of Monday, January 20, 2026
This Week's 3 Spotlight Products (Selling Points)
  • Sentinel Personal Choice 5 MVA (B++) — 6.05% for 5 years (top raw 5-year rate on the board).
  • Axonic Waypoint MYGA Series (A–) — repeatedly wins the 10% liquidity lane across multiple terms.
  • Knighthead Staysail 7 (A–) — 6.50% simple interest at 7 years (strong "set-it-and-forget-it" story).
Leaderboard by Term (2–10 Years)
Columns follow: Best Overall Rate • Best with 10% Liquidity • Best with 10% Liquidity + A– or Better
TERM BEST OVERALL RATE BEST W/ 10% LIQUIDITY BEST W/ 10% + A– OR BETTER
2-Year CL Sundance 2 MVA (B++) — 5.25% Axonic Waypoint 2 (A–) — 5.00% (10% after Yr 1) Axonic Waypoint 2 (A–) — 5.00%
3-Year Sentinel Personal Choice 3 (B++) — 5.80% Axonic Waypoint 3 (A–) — 5.45% (10% after Yr 1) Axonic Waypoint 3 (A–) — 5.45%
4-Year Nassau Simple Annuity 4 (B++) — 5.15% Oceanview Harbourview 4 (A) — 5.10% (10% after Yr 1) Oceanview Harbourview 4 (A) — 5.10%
5-Year Sentinel Personal Choice 5 (B++) — 6.05% Axonic Waypoint 5 (A–) — 5.70% (10% after Yr 1) Axonic Waypoint 5 (A–) — 5.70%
6-Year Atlantic Coast Safe Haven 6 (B++) — 5.87% GTD Yield Oxford Multi-Select 6 (A) — 5.40% (10% after Yr 1) Oxford Multi-Select 6 (A) — 5.40%
7-Year Knighthead Staysail 7 (A–) — 6.50% (Simple Interest) Axonic Waypoint 7 (A–) — 5.50% (10% after Yr 1) Axonic Waypoint 7 (A–) — 5.50%
8-Year EquiTrust Certainty Select 8 (B++) — 5.40% Clear Spring Preserve 8 (A–) — 5.25% (10% after Yr 1) Clear Spring Preserve 8 (A–) — 5.25%
9-Year Clear Spring Preserve 9 (A–) — 5.25% Clear Spring Preserve 9 (A–) — 5.25% (10% after Yr 1) Clear Spring Preserve 9 (A–) — 5.25%
10-Year Sentinel Personal Choice 10 (B++) — 6.05% Axonic Waypoint 10 (A–) — 5.50% (10% after Yr 1) Axonic Waypoint 10 (A–) — 5.50%
Compliance note: Verify state availability, rate bands, withdrawal provisions, and product details before quoting or submitting. Rates may change without notice.