On surrender period, First Choice 5 has the lower figure (5 years surrender period vs 7 years surrender period); MNL Guarantee Pro is higher.
On guaranteed fixed rate, MNL Guarantee Pro has the higher figure (5.3% 7-year guaranteed rate vs 5% 5-year guaranteed rate); First Choice 5 is lower.
On carrier strength, MNL Guarantee Pro has the higher figure (A+ AM Best vs A AM Best); First Choice 5 is lower.
On minimum premium, MNL Guarantee Pro has the lower figure ($20,000 minimum premium vs $25,000 minimum premium); First Choice 5 is higher.
On annual fee, both show No annual fee listed.
On income rider availability, both show No income rider listed.

Auto-generated from the displayed data, accumulation metrics only, not a recommendation.

side by side

Compare on the numbers

Only metrics that apply to this product type are shown. Missing applicable values show unavailable.

Metric	First Choice 5	MNL Guarantee Pro
Guaranteed fixed rateDisplayed MYGA guaranteed rate and term.	5% 5-year guaranteed rate CANNEX via AdvisorWorld · rates as of July 28, 2026	5.3% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · rates as of July 28, 2026
AM Best ratingCarrier financial strength from the product/rating feed when available.	A AM Best CANNEX via AdvisorWorld · rates as of July 28, 2026	A+ AM BestLeading CANNEX via AdvisorWorld · rates as of July 28, 2026
Free withdrawalAvailable annual free-withdrawal percentage for the product.	15%/yr free withdrawal CANNEX via AdvisorWorld · rates as of July 28, 2026	unavailable CANNEX via AdvisorWorld · rates as of July 28, 2026
Surrender periodShorter surrender period is highlighted as more flexible.	5 years surrender periodLeading CANNEX via AdvisorWorld · rates as of July 28, 2026	7 years surrender period CANNEX via AdvisorWorld · rates as of July 28, 2026
Annual feeHighest listed annual rider or strategy fee; lower is highlighted.	No annual fee listedTie CANNEX via AdvisorWorld · rates as of July 28, 2026	No annual fee listedTie CANNEX via AdvisorWorld · rates as of July 28, 2026
Income riderAvailability only; rider fit depends on payout, cost, and goals.	No income rider listedTie CANNEX via AdvisorWorld · rates as of July 28, 2026	No income rider listedTie CANNEX via AdvisorWorld · rates as of July 28, 2026
Minimum premiumLower minimum premium is highlighted as easier to access.	$25,000 minimum premium CANNEX via AdvisorWorld · rates as of July 28, 2026	$20,000 minimum premiumLeading CANNEX via AdvisorWorld · rates as of July 28, 2026

Scenario tool

Which one shows more guaranteed growth?

Guaranteed-growth comparison

Applies each product's live guaranteed MYGA rate to the displayed term.

Illustrative, not a projection

Premium$100,000

First Choice 5

5% guaranteed · 5-year term

MNL Guarantee Pro

5.4% guaranteed · 5-year term

On $100,000, the illustrated value at the displayed guaranteed term is:

First Choice 5$127,628

MNL Guarantee Pro$130,078

MNL Guarantee Pro has the higher illustrated guaranteed value ($130,078 vs $127,628).

Illustrated interest: First Choice 5 $27,628; MNL Guarantee Pro $30,078.

Assumptions: annual compounding at the current guaranteed rate for the displayed term. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.

Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of July 28, 2026.

Common questions

Decision FAQs from the same numbers

Is First Choice 5 or MNL Guarantee Pro better for growth?

On guaranteed fixed rate, MNL Guarantee Pro has the higher figure (5.3% 7-year guaranteed rate vs 5% 5-year guaranteed rate); First Choice 5 is lower.

Is First Choice 5 or MNL Guarantee Pro better for income?

On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.

Is First Choice 5 or MNL Guarantee Pro better for liquidity?

On surrender period, First Choice 5 has the lower figure (5 years surrender period vs 7 years surrender period); MNL Guarantee Pro is higher. On annual fee, both show No annual fee listed. On minimum premium, MNL Guarantee Pro has the lower figure ($20,000 minimum premium vs $25,000 minimum premium); First Choice 5 is higher.

How to read this comparison

Compare the product job, not just one number.

Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.

Control

Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.

Carrier backing

Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.

Disclosures and sources

Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.

The verdict is auto-generated from the available accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.

MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.

Use the comparison as a starting point.

Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.

All MYGA rates Income comparison

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