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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 Laddering Calculator

Fixed Annuity (MYGA) Laddering Calculator

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UNDERSTANDING YOUR MYGA 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 end-of-term accumulation value for your specified initial premium 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%. With an initial premium of $100,000, this results in no growth, yielding an end-of-term value of $100,000. Consider a laddering strategy by allocating funds to terms with higher rates to maximize 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.