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Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time.  For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Managing general agency - CA Insurance License #0B67385 

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MYGA Calculator

Fixed Annuity (MYGA) Ladder Calculator

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Understanding Your Results

This chart illustrates the potential of a Multi-Year Guaranteed Annuity (MYGA), a fixed annuity product that offers a guaranteed interest rate over a specified term, providing predictable growth backed by the issuing insurance company. The table shows the initial premium required to achieve your desired End of Term Accumulation Value across various terms (2 to 10 years), based on the interest rates you provide.

Focus on the 5-Year Term: The 5-year interest rate is currently set to 0.00%. Since at least one other term has a non-zero interest rate, this means that for the 5-year MYGA, you would need to invest the full End of Term Value today (no interest growth over the term). Consider a laddering strategy by allocating funds to other terms with higher rates to optimize growth. For example, if you have $750,000 to invest, you might allocate more to a term with a higher rate (e.g., 7 years) and less to the 5-year term to balance growth and liquidity.

For more information, contact Jeff Affronti at FSD Insurance Services.
Disclosure: This material is for informational, educational, and entertainment purposes only. It is not a recommendation to buy, sell, hold, or rollover any asset. It does not take into account the specific financial situation, investment objectives, or insurance needs of an individual person. Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. Surrender charges may also apply for early or excess withdrawals. All guarantees are backed by the claims-paying ability of the issuer. Products are available only in states where approved. Always consult with a qualified financial advisor or insurance professional before making any financial decisions.