--- title: Week of October 12th, 2026 description: Compare this week's MYGA rates from 2 to 10 years, including Oxford at 6.45%, Wichita at 6.40%, Axonic at 6.10%, and upcoming rate changes. --- [Skip to content](https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026#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) Oct 12, 2026, 1:47:30 PM # Week of October 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) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026) [envelope icon](mailto:?body=https://synergyannuity.com/myga-leaderboard/week-of-october-12th-2026) **MYGA LEADERBOARD | Monday, October 12, 2026** ## This Week's Standouts - **Best Overall Rate: Oxford Multi-Select 8 MVA - 6.45% for 8 years.** The highest rate on this week's supplied board, with an A rating, $20,000 minimum, interest withdrawals in year 1 and 10% free withdrawals in year 2+. The sheet lists a decrease to 5.90% effective October 15. - **Best 5-Year Rate: Wichita National Security 5 MVA - 6.40%.** A $10,000 minimum, issue age up to 90 and 2.25%+ commission through age 80. B+ rated, with no free withdrawals listed in either year 1 or year 2+; a conversation for money the client can leave untouched for the term. - **Best 5-Year with Liquidity & A- or Better: Axonic Insurance Waypoint 5 - 6.10%.** A- rated, 10% free withdrawals starting in year 2, issue age up to 89 and **2.25%+ commission at every listed issue age, 0-89.** No age-based commission reduction on the supplied schedule. $100,000 minimum for this High Band. ## Rate Changes to Watch This Week **Aspida's 5-year High Band moves from 6.10% to 6.30% on October 13.** A- rated, $100,000 minimum and issue age up to 90, with no free withdrawals listed. Oxford's listed 3-, 4-, 6-, 7-, 8-, 9- and 10-year rates decrease on October 15. Confirm each carrier's rate-lock and submission requirements before quoting a deadline. ## Additional MYGA Updates - **Oceanview Harbourview:** The October 6 carrier announcement lists September 28 rates for premiums of $70,000 or more: **2 years: 5.15%; 4 years: 5.70%; 6 years: 5.90%; 10 years: 5.95%.** Its 2-year rate matches this week's grid. The longer terms offer additional comparison options; confirm current product details and commission schedules. - **North American NAC Guarantee Plus:** Rates increased October 1. High Band ($100,000+): **3 years: 5.45%; 5 years: 5.85%; 7 years: 5.65%.** Low Band (under $100,000): 5.05%, 5.60% and 5.35%, respectively. The 7-year option is unavailable in California and Florida. The carrier also announced that MYGA applications become paperless January 1, 2027. - **F&G FG Guarantee-Platinum 3, 5 and 7:** Increased rates apply to policies issued on or after October 7. The carrier will not honor requests to reissue policies. Obtain the current rate card for case comparisons. - **Americo Platinum Assure:** Positive rate adjustments on 4-, 5-, 6- and 7-year guarantee periods apply to new contracts issued on or after October 6. Confirm the current rate card. - **LBIG:** Its October 5 announcement reports another interest-rate increase across its annuity lineup. Check the updated product portfolio and rate sheet for MYGA comparisons. - **Corebridge:** An October 2 announcement lists increases effective October 5 for American Pathway Fixed 5 and 7 and VisionMYG. Check current product flyers and transition rules for the applicable rates. These supplemental updates come from carrier announcements reviewed through October 12. Products outside the supplied report are not included in the grid's rankings. ## Leaderboard by Term: 2-10 Years Rates below are those shown for October 12, 2026. Announced future rates appear separately in the rate column. On smaller screens, scroll horizontally to see all columns. | Term | Carrier / Product | AM Best | Max Issue Age | Min Premium | Free Withdrawal Yr 1 \| Yr 2+ | Current Rate as of 10/12 | Commission | | --- | --- | --- | --- | --- | --- | --- | --- | | **2 Yr** | CL Life **CL Sundance 2 MVA** | B++ | 90 | $20,000 | Interest / Interest | **5.15%** | 0-80: 1.00%+ 81+: 0.60%+ | | **2 Yr** | Oceanview Life and Annuity **Harbourview 2 MVA Mid Band** | A | 89 | $70,000 | 0% / 10% | **5.15%** | 0-79: 0.85%+ 80+: 0.85%+ | | **3 Yr** | Revol One Financial **BreakThrough 3yr MVA, TAXABLE** | B++ | 90 NQ | $10,000 NQ | 0% / 0% | **6.10%** | 0-80: 1.50%+ 81+: 1.00%+ | | **3 Yr** | Oxford Life Insurance Company **Multi-Select 3 MVA** | A | 85 | $20,000 | Interest / 10% | **5.70%** 5.60% effective 10/15 | 0-75: 1.00%+ 76-80: 0.50%+ 81+: 0.38%+ | | **4 Yr** | Oxford Life Insurance Company **Multi-Select 4 MVA** | A | 85 | $20,000 | Interest / 10% | **6.05%** 5.75% effective 10/15 | 18-75: 1.30%+ 76-80: 0.55%+ 81+: 0.45%+ | | **5 Yr** | Wichita National Life Ins. Co. **Security 5 MVA** | B+ | 90 | $10,000 | 0% / 0% | **6.40%** | 0-80: 2.25%+ 81+: 1.50%+ | | **5 Yr** | Aspida **Synergy Choice 5 MVA High Band** | A- | 90 | $100,000 | 0% / 0% | **6.10%** 6.30% effective 10/13 | 18-80: 2.25%+ 81-90: 1.125%+ | | **5 Yr** | Axonic Insurance **Waypoint 5 MYGA MVA High Band** | A- | 89 | $100,000 | 0% / 10% | **6.10%** | 0-89: 2.25%+ | | **6 Yr** | Oxford Life Insurance Company **Multi-Select 6 MVA** | A | 85 | $20,000 | Interest / 10% | **6.35%** 5.95% effective 10/15 | 0-75: 1.25%+ 76-80: 0.75%+ 81+: 0.55%+ | | **7 Yr** | Wichita National Life Ins. Co. **Security 7 MVA** | B+ | 90 | $10,000 | 0% / 0% | **6.30%** | 0-80: 2.50%+ 81+: 1.75%+ | | **7 Yr** | Oxford Life Insurance Company **Multi-Select 7 MVA** | A | 85 | $20,000 | Interest / 10% | **6.20%** 5.90% effective 10/15 | 18-75: 2.50%+ 76-80: 1.50%+ 81+: 1.15%+ | | **8 Yr** | Oxford Life Insurance Company **Multi-Select 8 MVA** | A | 85 | $20,000 | Interest / 10% | **6.45%** 5.90% effective 10/15 | 18-75: 1.45%+ 76-80: 0.90%+ 81+: 0.60%+ | | **9 Yr** | Oxford Life Insurance Company **Multi-Select 9 MVA** | A | 85 | $20,000 | Interest / 10% | **6.30%** 5.95% effective 10/15 | 0-75: 2.75%+ 76-80: 1.75%+ 81+: 1.20%+ | | **10 Yr** | Oxford Life Insurance Company **Multi-Select 10 MVA** | A | 85 | $20,000 | Interest / 10% | **6.35%** 5.95% effective 10/15 | 18-75: 3.00%+ 76-80: 2.00%+ 81+: 1.50%+ | **Commission watch:** Oxford Multi-Select 10 lists **3.00%+ through age 75** at today's 6.35% rate. Axonic Waypoint 5 lists 2.25%+ through age 89, and Oceanview Harbourview 2 lists 0.85%+ at both age bands shown. **Have a maturing MYGA or a client holding cash?** Send us the client's age, state, premium amount, time horizon and liquidity needs. We'll help compare the options that fit the case. [Request a case comparison](mailto:eestrada@synergyannuity.com). **Advisor notes:** Source: MYGA Products report dated October 12, 2026. Rankings refer to the products supplied for this board. Interest means interest-only free withdrawals as listed. NQ means nonqualified; Revol One's listed BreakThrough product is labeled TAXABLE. Commissions retain the report's “+” notation and must be verified. Every product shown is an MVA version. The report marks all products except Aspida Synergy Choice 5 as restarting surrender charges after a 30-day withdrawal window. Rates, ratings, state approvals, availability and commissions are subject to change. Verify current carrier details, withdrawal provisions, suitability and rate-lock requirements before quoting or submitting business. Guarantees depend on the issuing insurer's claims-paying ability. 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