MYGA Leaderboard – April 27, 2026 🔥 Top Selling Opportunities This Week Best Overall Rate:...
Week of July 27th 2026
Synergy Annuity
Weekly MYGA Leaderboard
Monday, July 27, 2026
A quick look at this week's strongest guaranteed fixed-annuity rates, including the leading overall option, the best A-rated opportunity and the strongest A-rated option offering 10% annual liquidity.
Hot Rates to Notice
🏆 Best Overall Rate
Heartland National Secure Rate Pro 10 MVA — 6.15%
A standout 10-year guaranteed rate with a low $5,000 minimum premium. AM Best rated B++.
A standout 10-year guaranteed rate with a low $5,000 minimum premium. AM Best rated B++.
⭐ Best A-Rated 5-Year Opportunity
Axonic Waypoint 5 MYGA MVA — 5.80%
A- rated, available through age 89 and offering 10% free withdrawals beginning in year two. The listed commission is 2.25% across all eligible ages.
A- rated, available through age 89 and offering 10% free withdrawals beginning in year two. The listed commission is 2.25% across all eligible ages.
💧 Best Long-Term A-Rated Rate with 10% Access
Oceanview Harbourview 10 MVA Mid Band — 5.80%
A-rated paper with 10% annual liquidity beginning in year two and level 2.75% compensation across all eligible ages.
A-rated paper with 10% annual liquidity beginning in year two and level 2.75% compensation across all eligible ages.
MYGA Leaderboard by Term
| Term | Best Overall | Best A-Rated | Best A-Rated with 10% Access |
|---|---|---|---|
| 2 Years |
5.15% CL Life CL Sundance 2 MVA | B++ |
5.00% Axonic Insurance Waypoint 2 MYGA | A- |
5.00% Axonic Insurance 0% year one / 10% thereafter |
| 3 Years |
5.80% Heartland National Secure Rate Pro 3 | B++ |
5.50% Axonic Insurance Waypoint 3 MYGA | A- |
5.50% Axonic Insurance 0% year one / 10% thereafter |
| 4 Years |
5.45% Oceanview Life Harbourview 4 MVA Mid Band | A |
5.45% Oceanview Life Harbourview 4 MVA Mid Band | A |
5.45% Oceanview Life 0% year one / 10% thereafter |
| 5 Years |
6.10% Heartland National Secure Rate Pro 5 | B++ |
5.80% Axonic Insurance Waypoint 5 MYGA | A- |
5.80% Axonic Insurance 0% year one / 10% thereafter |
| 6 Years |
6.00% American Gulf Anchor MYGA 6 | B++ |
5.72% Guaranteed Yield American National Palladium MYG MAX 6 | A |
5.70% Oxford Life Multi-Select 6 | A | Interest year one / 10% thereafter |
| 7 Years |
6.10% Heartland National Secure Rate Pro 7 | B++ |
5.72% Guaranteed Yield Knighthead Life Staysail 7 Simple Interest | A- |
5.60% Sagicor Life Milestone Max MYGA 7 | A | 0% year one / 10% thereafter |
| 8 Years |
5.50% EquiTrust Life Certainty Select 8 | B++ |
5.35% Oxford Life Multi-Select 8 | A |
5.35% Oxford Life Interest year one / 10% thereafter |
| 9 Years |
5.45% Royal Neighbors of America MYGA 9 Year CA High Band | A |
5.45% Royal Neighbors of America MYGA 9 Year CA High Band | A |
5.30% American National Palladium MYG Annuity 9 | A | 10% annually |
| 10 Years |
6.15% Heartland National Secure Rate Pro 10 | B++ |
5.80% Oceanview Life Harbourview 10 MVA Mid Band | A |
5.80% Oceanview Life 0% year one / 10% thereafter |
Important Rate Comparison Notes
The American National Palladium MYG MAX 6 displays a 9.90% current rate because of its premium-bonus structure. Its comparable six-year guaranteed yield is 5.72%. Knighthead's Staysail 7 displays a 6.80% simple-interest rate, which produces a 5.72% guaranteed yield over the seven-year period.
Need a Rate Comparison or Client-Specific Illustration?
Contact the Synergy team for current availability, state approvals, compensation details and case-design support.
Rates and product details are subject to change without notice. Confirm current rates, state availability, issue ages, minimum premiums, liquidity provisions, commissions and suitability requirements before making a recommendation. AM Best ratings apply to the issuing insurance company and are not a guarantee of product performance. This material is intended for licensed insurance professionals and is not intended as consumer advertising.