📊 Synergy MYGA Leaderboard — 9/8/2025 Updated weekly • One pick per term in each category • Built...
Week of January 5th 2026
Synergy MYGA Leaderboard
Week of Monday, January 5, 2026
🔥 This Week's Standout Products
-
Wichita National – Security 5 MVA (6.25%)
Highest pure 5-year rate on the board. Great for rate-driven CD replacers who don't care about liquidity. -
Atlantic Coast Life – Safe Haven 6 MVA (5.87% GTD Yield)
Eye-catching headline rate with a still-solid guaranteed yield. Comp friendly and easy to explain. -
Axonic Waypoint Series (3, 5, 7, 10-Year)
Consistent 10% free withdrawal after year 1 + A- rating. A "comfort pick" for liquidity conversations.
📊 Leaderboard by Term
Columns follow the strict logic: Best Overall Rate • First with 10% Free Withdrawal • First with 10% + A– or better.
| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
|---|---|---|---|
| 2-Year |
CL Life – Sundance 2 MVA 5.25% (B++) |
Axonic – Waypoint 2 MYGA MVA (High Band) 5.00% (10% after Yr 1) |
Axonic – Waypoint 2 MYGA MVA (High Band) 5.00% (A–) |
| 3-Year |
Wichita National – Security 3 MVA 5.85% (B+) |
Axonic – Waypoint 3 MYGA MVA (High Band) 5.45% (10% after Yr 1) |
Axonic – Waypoint 3 MYGA MVA (High Band) 5.45% (A–) |
| 4-Year |
Nassau – Simple Annuity 4 MVA 5.15% (B++) |
Oceanview – Harbourview 4 MVA (Mid Band) 5.10% (10% after Yr 1) |
Oceanview – Harbourview 4 MVA (Mid Band) 5.10% (A) |
| 5-Year |
Wichita National – Security 5 MVA 6.25% (B+) |
Axonic – Waypoint 5 MYGA MVA (High Band) 5.70% (10% after Yr 1) |
Axonic – Waypoint 5 MYGA MVA (High Band) 5.70% (A–) |
| 6-Year |
Atlantic Coast Life – Safe Haven 6 MVA 5.87% GTD Yield (B++) |
Oxford – Multi-Select 6 MVA 5.40% (10% after Yr 1) |
Oxford – Multi-Select 6 MVA 5.40% (A) |
| 7-Year |
Wichita National – Security 7 MVA 6.10% (B+) |
Axonic – Waypoint 7 MYGA MVA (High Band) 5.50% (10% after Yr 1) |
Axonic – Waypoint 7 MYGA MVA (High Band) 5.50% (A–) |
| 8-Year |
Equitrust – Certainty Select 8 MVA 5.40% (B++) |
Clear Spring – Preserve MYGA 8 MVA (High Band) 5.25% (10% after Yr 1) |
Clear Spring – Preserve MYGA 8 MVA (High Band) 5.25% (A–) |
| 9-Year |
Capitol Life – Heritage Elite 9 MVA 5.30% (A–) |
Clear Spring – Preserve MYGA 9 MVA (High Band) 5.25% (10% after Yr 1) |
Clear Spring – Preserve MYGA 9 MVA (High Band) 5.25% (A–) |
| 10-Year |
Wichita National – Security 10 MVA 6.05% (B+) |
Axonic – Waypoint 10 MYGA MVA (High Band) 5.50% (10% after Yr 1) |
Axonic – Waypoint 10 MYGA MVA (High Band) 5.50% (A–) |
Compliance Note: Verify state availability, rate bands, surrender schedules, and product details before quoting.
Rates may change without notice. Not a solicitation in states where not approved.