MYGA Leaderboard Week of Monday, January 20, 2026 This Week's 3 Spotlight Products (Selling Points)...
Week of January 26th 2026
Synergy Marketing • Weekly MYGA Leaderboard
MYGA Leaderboard
Monday, January 26, 2026
🔥 This Week's 3 Spotlight Products
- Best Overall Rate: Sentinel – Personal Choice Annuity 5 MVA • 6.05% (5-Year)
- Best with 10% Liquidity: Axonic – Waypoint 5 MYGA (High Band) • 5.70% (5-Year) • 10% free withdrawal
- Best with 10% Liquidity + A– or Better: Axonic – Waypoint Series (A–) • Consistent liquidity lane across terms
Quick read: Sentinel owns the headline rates (no liquidity). Axonic is the "sellable" lane (10% access + A–). Clear Spring is strong in longer terms with 10% access.
| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
|---|---|---|---|
| 2-Year |
CL Life – Sundance 2 MVA 5.25% |
Axonic – Waypoint 2 MYGA (High Band) 5.00% • 10% free withdrawal (Yr 2+) |
Axonic – Waypoint 2 MYGA (A–) 5.00% • 10% free withdrawal (Yr 2+) |
| 3-Year |
Sentinel – Personal Choice Annuity 3 MVA 5.80% |
Axonic – Waypoint 3 MYGA (High Band) 5.45% • 10% free withdrawal (Yr 2+) |
Axonic – Waypoint 3 MYGA (A–) 5.45% • 10% free withdrawal (Yr 2+) |
| 4-Year |
Nassau – Simple Annuity 4 MVA 5.15% |
Oceanview – Harbourview 4 MVA (Mid Band) 5.10% • 10% free withdrawal (Yr 2+) |
Oceanview – Harbourview 4 (A) 5.10% • 10% free withdrawal (Yr 2+) |
| 5-Year |
TOP OVERALL
Sentinel – Personal Choice Annuity 5 MVA 6.05% |
10% LIQUIDITY
Axonic – Waypoint 5 MYGA (High Band) 5.70% • 10% free withdrawal (Yr 2+) |
10% + A–
Axonic – Waypoint 5 MYGA (A–) 5.70% • 10% free withdrawal (Yr 2+) |
| 6-Year |
Atlantic Coast Life – Safe Haven 6 MVA 6.70% (headline) GTD Yield shown as 5.87 on the sheet |
Oxford – Multi-Select 6 MVA (A) 5.40% • 10% free withdrawal (Yr 2+) |
Oxford – Multi-Select 6 (A) 5.40% • 10% free withdrawal (Yr 2+) |
| 7-Year |
Sentinel – Personal Choice Annuity 7 MVA 6.05% |
Axonic – Waypoint 7 MYGA (High Band) 5.50% • 10% free withdrawal (Yr 2+) |
Axonic – Waypoint 7 (A–) 5.50% • 10% free withdrawal (Yr 2+) |
| 8-Year |
EquiTrust – Certainty Select 8 MVA 5.40% |
Clear Spring – Preserve MYGA 8 (High Band) 5.25% • 10% free withdrawal (Yr 2+) |
Clear Spring – Preserve MYGA 8 (A–) 5.25% • 10% free withdrawal (Yr 2+) |
| 9-Year |
Clear Spring – Preserve MYGA 9 (High Band) 5.25% |
Clear Spring – Preserve MYGA 9 (High Band) 5.25% • 10% free withdrawal (Yr 2+) |
Clear Spring – Preserve MYGA 9 (A–) 5.25% • 10% free withdrawal (Yr 2+) |
| 10-Year |
Sentinel – Personal Choice Annuity 10 MVA 6.05% |
Axonic – Waypoint 10 MYGA (High Band) 5.50% • 10% free withdrawal (Yr 2+) |
Axonic – Waypoint 10 (A–) 5.50% • 10% free withdrawal (Yr 2+) |
Compliance: Verify state availability, rate bands, product details, suitability, and commissions prior to quoting. Rates and features may change without notice.