Week of July 27th 2026

Written by Eric Estrada | Jul 27, 2026 4:11:19 PM

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++.

⭐ 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.

💧 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.

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.

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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