This week's MYGA landscape continues to show a major split between pure top-sheet rate plays and advisor-friendly products that combine strong rates, liquidity, and ratings.
The biggest story this week? Axonic Insurance continues to dominate the A– rated liquidity lane in the core 3–7 year market, while Mountain Life is still posting eye-catching top-sheet rates for advisors comfortable with lower-rated carriers.
| Term | Best Overall Rate | Best with 10% Liquidity | Best with 10% + A– or Better |
|---|---|---|---|
| 2 Year | Upstream Secure Legacy 2 — 5.30% | Axonic Waypoint 2 — 5.00% | Axonic Waypoint 2 — 5.00% |
| 3 Year | Mountain Alpine Horizon 3 — 6.00% | Axonic Waypoint 3 — 5.45% | Axonic Waypoint 3 — 5.45% |
| 4 Year | Mountain Alpine Horizon 4 — 6.05% | Oceanview Harbourview 4 — 5.20% | Oceanview Harbourview 4 — 5.20% |
| 5 Year | Mountain Alpine Horizon 5 — 6.35% | Axonic Waypoint 5 — 5.70% | Axonic Waypoint 5 — 5.70% |
| 6 Year | American Gulf Anchor 6 — 6.30% | Oxford Multi-Select 6 — 5.55% | Oxford Multi-Select 6 — 5.55% |
| 7 Year | Knighthead Staysail 7 — 6.50% | Axonic Waypoint 7 — 5.50% | Axonic Waypoint 7 — 5.50% |
| 8 Year | Mountain Secure Summit 8 — 6.00% | Clear Spring Preserve 8 — 5.25% | Clear Spring Preserve 8 — 5.25% |
| 9 Year | Capitol Heritage Elite 9 — 5.50% | Capitol Heritage Classic 9 — 5.25% | Capitol Heritage Classic 9 — 5.25% |
| 10 Year | Sentinel Personal Choice 10 — 6.25% | Oceanview Harbourview 10 — 5.65% | Oceanview Harbourview 10 — 5.65% |
A surprising number of top-sheet products still offer 0% free withdrawal provisions. That creates opportunity for advisors positioning MYGAs against CDs, money markets, and bond alternatives where clients still want access and flexibility.
The 5-year lane remains one of the most competitive spaces in the MYGA market, but Axonic's combination of an A– rating, 10% liquidity, age 89 issue age, and strong advisor compensation keeps it highly competitive.
If an indexed annuity cannot reasonably compete with today's fixed rates, it becomes much harder to justify the added complexity. Current MYGA rates continue to set a strong benchmark for protected accumulation conversations.
Compliance Note: Verify state availability, rate bands, surrender schedules, MVA provisions, and carrier details before quoting. Rates and product availability may change without notice.