Week of July 21st, 2025

Written by Eric Estrada | Jul 21, 2025 1:00:00 PM

🔥 Hot Rates to Watch – Week of 7/21/2025

Wichita National is on fire with 6.25% for 5 years, the highest fixed rate in the market—ideal for clients chasing strong guaranteed yield.
Upstream Life is making noise again at the short end with 5.40% for 2 years and 6.00% for 4 years, perfect for rollover conversations.
Axonic continues to dominate liquidity plays, offering up to 5.65% with 10% free withdrawals and A- rating across multiple terms.

MYGA Leaderboard – 7/21/2025

Guaranteed Period	Top Overall Rate	Best w/ 10% Free Withdrawal	Best w/ 10% Free & A- or Better Rating
2-Year	Upstream Life – Secure Legacy 2 Year MVA – 5.40%	Axonic – Waypoint 2 MYGA MVA – 5.00%	Axonic – Waypoint 2 MYGA MVA – 5.00%
3-Year	Wichita National Life – Security 3 MVA – 6.10%	Axonic – Waypoint 3 MYGA MVA – 5.45%	Axonic – Waypoint 3 MYGA MVA – 5.45%
4-Year	Upstream Life – Secure Legacy 4 Year MVA – 6.00%	Clear Spring – Preserve MYGA 4 MVA – 5.20%	Clear Spring – Preserve MYGA 4 MVA – 5.20%
5-Year	Wichita National Life – Security 5 MVA – 6.25%	Axonic – Waypoint 5 MYGA MVA – 5.65%	Axonic – Waypoint 5 MYGA MVA – 5.65%
6-Year	Nassau – Simple Annuity 6 MVA – 5.75%	American National – Palladium MYG Annuity 6 MVA – 4.70%	American National – Palladium MYG Annuity 6 MVA – 4.70%
7-Year	Wichita National Life – Security 7 MVA – 6.10%	Nassau – MYAnnuity 7X – 5.60%	Axonic – Waypoint 7 MYGA MVA – 5.55%
8-Year	EquiTrust – Certainty Select 8 MVA – 5.65%	Clear Spring – Preserve MYGA 8 MVA – 5.40%	Clear Spring – Preserve MYGA 8 MVA – 5.40%
9-Year	Clear Spring – Preserve MYGA 9 MVA – 5.40%	Clear Spring – Preserve MYGA 9 MVA – 5.40%	Clear Spring – Preserve MYGA 9 MVA – 5.40%
10-Year	Wichita National Life – Security 10 MVA – 6.05%	Oceanview – Harbourview 10 MVA – 5.45%	Oceanview – Harbourview 10 MVA – 5.45%

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