📊 Synergy MYGA Leaderboard — 9/8/2025

Updated weekly • One pick per term in each category • Built for quick client conversations

Why advisors use this board

• Three clear picks per term: Best Overall • Best with 10% Liquidity • Best with 10% Liquidity + A– or Better.
• Apples-to-apples: If a MYGA beats on rate but lacks liquidity, it still wins the "Best Overall" slot.
• Built for field use: Quick talking points you can repeat to clients without the spreadsheet deep-dive.

🔥 Hot Rates to Highlight This Week

• 6.70% for 6 Years — Atlantic Coast Safe Haven 6 posts the highest on the board (no liquidity).
• 6.25% for 5 Years — Wichita National Security 5 leads short-term yield (no liquidity).
• Axonic 5-Year at 5.70% — Clean combo of 10% liquidity + A– rating.

Term	Best Overall Rate	Best w/ Liquidity (10% Free)	Best w/ Liquidity + A– or Better
2 Yr	CL Life Sundance 2 — 5.25% B++	Oceanview Harbourview 2 — 5.15% 10% free	Oceanview Harbourview 2 — 5.15% A 10% free
3 Yr	Wichita National Security 3 — 6.10% B+	Axonic Waypoint 3 — 5.45% 10% free	Axonic Waypoint 3 — 5.45% A– 10% free
4 Yr	Mountain Life Alpine Horizon 4 — 6.05% B+	Clear Spring Preserve 4 — 5.15% 10% free	Clear Spring Preserve 4 — 5.15% A– 10% free
5 Yr	Wichita National Security 5 — 6.25% B+	Axonic Waypoint 5 — 5.70% 10% free	Axonic Waypoint 5 — 5.70% A– 10% free
6 Yr	Atlantic Coast Safe Haven 6 — 6.70% B++	ANICO Palladium MYG 6 — 4.70%–4.85% 10% free	ANICO Palladium MYG 6 — 4.70%–4.85% A 10% free
7 Yr	Knighthead Staysail 7 — 6.65% A–	Axonic Waypoint 7 — 5.50% 10% free	Axonic Waypoint 7 — 5.50% A– 10% free
8 Yr	Mountain Life Secure Summit 8 — 6.00% B+	Clear Spring Preserve 8 — 5.35% 10% free	Clear Spring Preserve 8 — 5.35% A– 10% free
9 Yr	Royal Neighbors MYGA 9 — 5.50% A	Clear Spring Preserve 9 — 5.35% 10% free	Clear Spring Preserve 9 — 5.35% A– 10% free
10 Yr	Wichita National Security 10 — 6.05% B+	Axonic Waypoint 10 — 5.50% 10% free	Axonic Waypoint 10 — 5.50% A– 10% free

Method: "Best Overall" = highest rate regardless of liquidity/rating. "Best w/ Liquidity" = first 10% free withdrawal. "Best w/ Liquidity + A–" = 10% free + AM Best A– or higher.

Eric Estrada • 832-521-4238 • eestrada@synergyannuity.com

Compile date: September 8, 2025

Seek complete details and the suitability of any product from a qualified, licensed insurance professional. Verify state approvals, interest rates, and commissions with your MGA prior to contracting. Rates and features subject to change without notice.