Post Date: June 15, 2026
🥇 Best Overall:
Heartland Secure Rate Pro 5 — 6.10% for 5 Years
Issue ages 0–90 | $5,000 minimum | B++ rated carrier
💧 Best Liquidity Play:
Axonic Insurance Waypoint 5 — 5.70% for 5 Years
A- rated carrier | 10% withdrawals starting year 2 | Issue ages 0–89
🎯 Best Policy Review Opportunity:
American National Palladium MYG MAX 6 — 9.90% First-Year Rate
A rated carrier | 5.72% guaranteed yield through surrender
| Years | Best Overall | Best 10% Liquidity | Best 10% Liquidity & A- or Better |
|---|---|---|---|
| 2 | CL Sundance 2 — 5.15% (B++) | Axonic Waypoint 2 — 5.00% | Axonic Waypoint 2 — 5.00% (A-) |
| 3 | Axonic Waypoint 3 — 5.45% (A-) | Axonic Waypoint 3 — 5.45% | Axonic Waypoint 3 — 5.45% (A-) |
| 4 | Oxford Multi-Select 4 — 5.25% (A) | Oxford Multi-Select 4 — 5.25% | Oxford Multi-Select 4 — 5.25% (A) |
| 5 | Heartland Secure Rate Pro 5 — 6.10% (B++) | Axonic Waypoint 5 — 5.70% | Axonic Waypoint 5 — 5.70% (A-) |
| 6 | American Gulf Anchor 6 — 6.00% (B++) | Oxford Multi-Select 6 — 5.70% | Oxford Multi-Select 6 — 5.70% (A) |
| 7 | Heartland Secure Rate Pro 7 — 6.10% (B++) | Oxford Multi-Select 7 — 5.55% | Aspida Synergy Choice 7 — 5.70% (A-) |
| 8 | EquiTrust Certainty Select 8 — 5.40% (B++) | Oxford Multi-Select 8 — 5.35% | Oxford Multi-Select 8 — 5.35% (A) |
| 9 | Liberty Bankers Heritage Elite 9 — 5.50% (A-) | American National Palladium 9 — 5.30% | American National Palladium 9 — 5.30% (A) |
| 10 | Heartland Secure Rate Pro 10 — 6.15% (B++) | Oceanview Harbourview 10 — 5.65% | Oceanview Harbourview 10 — 5.65% (A) |
The battle for the top of the sheet continues, but the bigger story is the growing gap between pure-rate carriers and higher-rated liquidity-friendly options. Heartland remains the rate leader in the 5-, 7-, and 10-year windows, while Axonic Insurance continues to offer one of the strongest combinations of yield, carrier strength, and flexibility.
For advisors focused on policy reviews, American National's Palladium MYG MAX 6 stands out with a 9.90% first-year guarantee and a 5.72% guaranteed yield through surrender. It's a strong conversation starter for clients sitting in older annuities, CDs, or other conservative assets that may no longer be pulling their weight.
As always, don't just compare rates. Compare liquidity, carrier quality, age limits, and the overall client outcome. The best annuity on the sheet isn't always the one with the highest number.