Week of January 19th 2026

• 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.