Multi-Year Guaranteed Annuity
Athene MYG NY
Athene Annuity and Life Company · AM Best A+
7-year Rate
5.1% guaranteed
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
Athene MYG NY vs Clear Income Advantage - FP Series
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
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VS
Multi-Year Guaranteed Annuity
Clear Income Advantage - FP Series
New York Life Insurance and Annuity Corporation (NYLIAC) · AM Best A++
7-year Eff. Yield
1% guaranteed
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
Athene MYG NY leads on guaranteed fixed rate, surrender period, annual fee; Clear Income Advantage - FP Series leads on carrier strength, income rider availability; liquidity and minimum premium are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On guaranteed fixed rate, Athene MYG NY has the higher figure (5.1% 7-year guaranteed rate vs 1% 7-year guaranteed rate); Clear Income Advantage - FP Series is lower.
- On surrender period, Athene MYG NY has the lower figure (3 years surrender period vs 7 years surrender period); Clear Income Advantage - FP Series is higher.
- On annual fee, Athene MYG NY has the lower figure (No annual fee returned vs 0.95% max annual rider/strategy fee); Clear Income Advantage - FP Series is higher.
- On carrier strength, Clear Income Advantage - FP Series has the higher figure (A++ AM Best vs A+ AM Best); Athene MYG NY is lower.
- On income rider availability, Clear Income Advantage - FP Series has rider data returned (1 income rider returned vs No income rider returned).
- On liquidity, both show 10%/yr free withdrawal.
- On minimum premium, both show $100,000 minimum premium.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Athene MYG NY | Clear Income Advantage - FP Series |
|---|---|---|
| Guaranteed fixed rateDisplayed MYGA guaranteed rate and term. | 5.1% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 1% 7-year guaranteed rate CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A+ AM Best CANNEX via AdvisorWorld · as of June 18, 2026 | A++ AM BestLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 3 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 7 years surrender period CANNEX via AdvisorWorld · as of June 18, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | No annual fee returnedLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 0.95% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 18, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returned CANNEX via AdvisorWorld · as of June 18, 2026 | 1 income rider returnedLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of June 18, 2026 | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of June 18, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's live guaranteed MYGA rate to the displayed term.
Athene MYG NY
5.1% guaranteed · 7-year term
Clear Income Advantage - FP Series
1% guaranteed · 7-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Athene MYG NY$141,651
Clear Income Advantage - FP Series$107,214
Athene MYG NY has the higher illustrated guaranteed value ($141,651 vs $107,214).
Illustrated interest: Athene MYG NY $41,651; Clear Income Advantage - FP Series $7,214.
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 live product figures from CANNEX via AdvisorWorld · as of June 18, 2026.
Common questions
Decision FAQs from the same numbers
Is Athene MYG NY or Clear Income Advantage - FP Series better for growth?
On guaranteed fixed rate, Athene MYG NY has the higher figure (5.1% 7-year guaranteed rate vs 1% 7-year guaranteed rate); Clear Income Advantage - FP Series is lower.
Is Athene MYG NY or Clear Income Advantage - FP Series better for income?
On income rider availability, Clear Income Advantage - FP Series has rider data returned (1 income rider returned vs No income rider returned). Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Athene MYG NY or Clear Income Advantage - FP Series better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, Athene MYG NY has the lower figure (3 years surrender period vs 7 years surrender period); Clear Income Advantage - FP Series is higher. On annual fee, Athene MYG NY has the lower figure (No annual fee returned vs 0.95% max annual rider/strategy fee); Clear Income Advantage - FP Series 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
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live 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.
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Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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