Week of November 17, 2025
Rates as of 11/18/2025 – always verify state availability, rate bands, and product details before quoting.
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.