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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
A current three-sleeve example allocating $1,250,000 across 20% MYGA, 20% FIA growth, and 60% FIA income, with each live contract metric kept separate.
The answer below is baked into this static page from three complete cached cohorts.
Three sleeves · unlike metrics stay separate
The guaranteed rate, FIA cap, and rider withdrawal rate below are not interchangeable returns. Each comes from its own current, family-safe CANNEX cohort.
MYGA fixed-rate sleeve
7.45%
5-year guaranteed rate
Simplified first-year interest
$18,625
Allocation × current guaranteed annual rate. This is an educational one-year calculation, not a carrier illustration or surrender-value quote.
Live cohort leader: Atlantic Coast Life · Safe Harbor Bonus Guarantee
A.M. Best rating: B
Grounded freshness: July 15, 2026
FIA accumulation sleeve
12%
No-fee annual S&P 500 one-year point-to-point cap
User-hypothetical one-year credit
12% · $30,000
Uses your 12% hypothetical S&P 500 price change, floored at 0% and limited by the live cap. Dividends are excluded. Contract terms control actual credits.
Live cohort leader: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA
A.M. Best rating: A++
Grounded freshness: July 15, 2026
FIA income sleeve
12.8%
Lifetime withdrawal rate at age 60 after 10 years
User-hypothetical annual withdrawal
$96,000
Your hypothetical $750,000 income base × live withdrawal rate. An income base is not cash value or premium; actual bases require product-specific rider mechanics and fees.
Live cohort leader: Allianz Life Insurance Company of North America · Retirement Foundation ADV
A.M. Best rating: A+
Grounded freshness: July 15, 2026
Hypothetical first-year accumulation credits
$48,625
MYGA interest plus the simplified FIA index credit. This excludes the income-rider withdrawal because a withdrawal is not investment growth.
Allocation check
20% MYGA · 20% FIA growth · 60% FIA income
Data source: CANNEX via AdvisorWorld. Report freshness is conservatively anchored to the oldest allocated cohort shown above: July 15, 2026.
Rates vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing insurer’s claims-paying ability—not FDIC-insured.
Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm current state availability, contract terms, fees, crediting details, and rider mechanics before acting.
MYGA, no-fee annual S&P 500 one-year point-to-point FIA cap, and FIA lifetime withdrawal-rate rows are selected separately through family and plausibility guards. Dollar examples use the scenario’s own $1,250,000 allocation, 12% index assumption, and $750,000 hypothetical income base.
This pre-rendered example can refresh from new live cohorts; it is not a frozen record or immutable citation. Treat each sleeve’s grounded date as point-in-time context, and keep the index return and income base labeled as scenario hypotheticals.
The live page creates a shareable link and attributed embed.
Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm state availability, surrender terms, fees, crediting details, rider mechanics, and insurer claims-paying ability before acting.