Multi-Year Guaranteed Annuity
Secure Term Fixed Annuity IV - FP Series
New York Life Insurance and Annuity Corporation (NYLIAC) · AM Best A++
7-year Guaranteed rate
4.55% guaranteed
CANNEX via AdvisorWorld · as of July 16, 2026
DB-backed product comparison
Secure Term Fixed Annuity IV - FP Series vs Brighthouse Fixed Rate Annuity with MVA
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
Brighthouse Fixed Rate Annuity with MVA
Brighthouse Financial · AM Best A
7-year Guaranteed rate
5.4% guaranteed
CANNEX via AdvisorWorld · as of July 16, 2026
Auto-verdict
Secure Term Fixed Annuity IV - FP Series leads on carrier strength, minimum premium; Brighthouse Fixed Rate Annuity with MVA leads on guaranteed fixed rate; liquidity and surrender period are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On carrier strength, Secure Term Fixed Annuity IV - FP Series has the higher figure (A++ AM Best vs A AM Best); Brighthouse Fixed Rate Annuity with MVA is lower.
- On minimum premium, Secure Term Fixed Annuity IV - FP Series has the lower figure ($25,000 minimum premium vs $100,000 minimum premium); Brighthouse Fixed Rate Annuity with MVA is higher.
- On guaranteed fixed rate, Brighthouse Fixed Rate Annuity with MVA has the higher figure (5.4% 7-year guaranteed rate vs 4.55% 7-year guaranteed rate); Secure Term Fixed Annuity IV - FP Series is lower.
- On liquidity, both show 10%/yr free withdrawal.
- On surrender period, both show 7 years surrender period.
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 | Secure Term Fixed Annuity IV - FP Series | Brighthouse Fixed Rate Annuity with MVA |
|---|---|---|
| Guaranteed fixed rateDisplayed MYGA guaranteed rate and term. | 4.55% 7-year guaranteed rate CANNEX via AdvisorWorld · as of July 16, 2026 | 5.4% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · as of July 16, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A++ AM BestLeading CANNEX via AdvisorWorld · as of July 16, 2026 | A AM Best CANNEX via AdvisorWorld · as of July 16, 2026 |
| Free withdrawalCurrent annual free-withdrawal percentage for the product. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of July 16, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender periodTie CANNEX via AdvisorWorld · as of July 16, 2026 | 7 years surrender periodTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | No annual fee listedTie CANNEX via AdvisorWorld · as of July 16, 2026 | No annual fee listedTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 | No income rider listedTie CANNEX via AdvisorWorld · as of July 16, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $25,000 minimum premiumLeading CANNEX via AdvisorWorld · as of July 16, 2026 | $100,000 minimum premium CANNEX via AdvisorWorld · as of July 16, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's live guaranteed MYGA rate to the displayed term.
Secure Term Fixed Annuity IV - FP Series
4.55% guaranteed · 7-year term
Brighthouse Fixed Rate Annuity with MVA
5.4% guaranteed · 7-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Secure Term Fixed Annuity IV - FP Series$136,543
Brighthouse Fixed Rate Annuity with MVA$144,505
Brighthouse Fixed Rate Annuity with MVA has the higher illustrated guaranteed value ($144,505 vs $136,543).
Illustrated interest: Secure Term Fixed Annuity IV - FP Series $36,543; Brighthouse Fixed Rate Annuity with MVA $44,505.
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 July 16, 2026.
Common questions
Decision FAQs from the same numbers
Is Secure Term Fixed Annuity IV - FP Series or Brighthouse Fixed Rate Annuity with MVA better for growth?
On guaranteed fixed rate, Brighthouse Fixed Rate Annuity with MVA has the higher figure (5.4% 7-year guaranteed rate vs 4.55% 7-year guaranteed rate); Secure Term Fixed Annuity IV - FP Series is lower.
Is Secure Term Fixed Annuity IV - FP Series or Brighthouse Fixed Rate Annuity with MVA 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 Secure Term Fixed Annuity IV - FP Series or Brighthouse Fixed Rate Annuity with MVA better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, both show 7 years surrender period. On annual fee, both show No annual fee listed.
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 AdvisorWorld and are labeled with source and as-of timing. Product-specific values 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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