--- title: Week of Novemeber 17th, 2025 description: Discover the hottest fixed rates for MYGA this week, featuring impressive yields from Wichita National and competitive offerings from Upstream Life and Axonic. image: https://synergyannuity.com/hubfs/MYGA_Leaderboard_200x200.png --- [Skip to content](https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Nov 18, 2025, 1:12:42 PM # Week of Novemeber 17th, 2025 ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) [envelope icon](mailto:?body=https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) ## Synergy MYGA Leaderboard Week of **November 17, 2025** *Rates as of 11/18/2025 – always verify state availability, rate bands, and product details before quoting.* ### This Week's Spotlight Products - **Best Overall Rate (no filters):** Atlantic Coast Life – **Safe Haven 6 MVA (6-Year)** – **6.70%** current rate (B++, 0% / 0% free withdrawal). - **Best with 10% Free Withdrawal:** Axonic Insurance Services – **Waypoint 5 MYGA MVA High Band (5-Year)** – **5.80%**, A-, 0% / 10% free withdrawal (years 2+). - **Best with 10% Free Withdrawal & A– or Better:** Axonic Insurance Services – **Waypoint 5 MYGA MVA High Band (5-Year)** – same pick as above; combines strong rate, 10% liquidity, and an A– rating. ### MYGA Leaderboard by Term (2–10 Years) **Legend:** FW = Free Withdrawal; ratings are AM Best. | Term | Best Overall Rate | Best w/ 10% Free Withdrawal | Best w/ 10% FW & A– or Better | | --- | --- | --- | --- | | 2-Year | **Upstream Life – Secure Legacy 2 Year MVA** 5.40% • NR • FW: Interest-only (Yr 1 & Yr 2+) | **Axonic – Waypoint 2 MYGA MVA High Band** 5.00% • A- • FW: 0% / 10% | **Axonic – Waypoint 2 MYGA MVA High Band** 5.00% • A- • FW: 0% / 10% | | 3-Year | **Mountain Life – Alpine Horizon 3 MVA** 6.00% • B • FW: 0% / 5% | **Axonic – Waypoint 3 MYGA MVA High Band** 5.55% • A- • FW: 0% / 10% | **Axonic – Waypoint 3 MYGA MVA High Band** 5.55% • A- • FW: 0% / 10% | | 4-Year | **Mountain Life – Alpine Horizon 4 MVA** 6.05% • B • FW: 0% / 5% | **Clear Spring – Preserve MYGA 4 MVA High Band** 5.15% • A- • FW: 0% / 10% | **Clear Spring – Preserve MYGA 4 MVA High Band** 5.15% • A- • FW: 0% / 10% | | 5-Year | **Wichita National – Security 5 MVA** 6.25% • B+ • FW: 0% / 0% | **Axonic – Waypoint 5 MYGA MVA High Band** 5.80% • A- • FW: 0% / 10% | **Axonic – Waypoint 5 MYGA MVA High Band** 5.80% • A- • FW: 0% / 10% | | 6-Year | **Atlantic Coast Life – Safe Haven 6 MVA** 6.70% current • B++ • FW: 0% / 0% | **Clear Spring – Preserve MYGA 6 MVA High Band** 5.35% • A- • FW: 0% / 10% | **Clear Spring – Preserve MYGA 6 MVA High Band** 5.35% • A- • FW: 0% / 10% | | 7-Year | **Knighthead Life – Staysail 7 (Simple Interest) MVA High Band** 6.50% simple interest • A- • FW: 0% / 0% | **Axonic – Waypoint 7 MYGA MVA High Band** 5.50% • A- • FW: 0% / 10% | **Axonic – Waypoint 7 MYGA MVA High Band** 5.50% • A- • FW: 0% / 10% | | 8-Year | **Mountain Life – Secure Summit 8 MVA** 6.00% • B • FW: 0% / 5% | **Clear Spring – Preserve MYGA 8 MVA High Band** 5.35% • A- • FW: 0% / 10% | **Clear Spring – Preserve MYGA 8 MVA High Band** 5.35% • A- • FW: 0% / 10% | | 9-Year | **Mountain Life – Secure Summit 9 MVA** 5.40% • B • FW: 0% / 5% | **Clear Spring – Preserve MYGA 9 MVA High Band** 5.35% • A- • FW: 0% / 10% | **Clear Spring – Preserve MYGA 9 MVA High Band** 5.35% • A- • FW: 0% / 10% | | 10-Year | **Wichita National – Security 10 MVA** 6.05% • B+ • FW: 0% / 0% | **Axonic – Waypoint 10 MYGA MVA High Band** 5.50% • A- • FW: 0% / 10% | **Axonic – Waypoint 10 MYGA MVA High Band** 5.50% • A- • FW: 0% / 10% | **Compliance Note:** This leaderboard is for advisor use only. Rates shown are based on current carrier information and may change without notice. Always verify state availability, rate bands, product details, and commissions with your MGA or the carrier before quoting or submitting business.   [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## Related posts [![](https://synergyannuity.com/hs-fs/hubfs/MYGA_Leaderboard_200x200.png?height=200&name=MYGA_Leaderboard_200x200.png)](https://synergyannuity.com/myga-leaderboard/week-of-december-1st-2025) [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## [Week of December 1st, 2025](https://synergyannuity.com/myga-leaderboard/week-of-december-1st-2025) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) Dec 3, 2025, 1:18:07 PM Synergy MYGA Leaderboard As of Monday, December 1, 2025 | Verify state availability, bands &... [Read more](https://synergyannuity.com/myga-leaderboard/week-of-december-1st-2025) [![](https://synergyannuity.com/hs-fs/hubfs/MYGA_Leaderboard_200x200.png?height=200&name=MYGA_Leaderboard_200x200.png)](https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## [Week of January 12th 2026](https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) Jan 13, 2026, 2:48:58 PM Synergy MYGA Leaderboard As of Monday, January 12, 2026 🔦 This Week's 3 Spotlight Standouts... [Read more](https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [![](https://synergyannuity.com/hs-fs/hubfs/MYGA_Leaderboard_200x200.png?height=200&name=MYGA_Leaderboard_200x200.png)](https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## [Week of May 18th 2026](https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) May 18, 2026, 8:26:03 PM MYGA Leaderboard — May 18, 2026 This week's MYGA landscape continues to show a major split between... 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