Multi-Year Guaranteed Annuity
Incline Advisory MYGA
In California, the issuing company operates as AmFirst Life Insurance Company.
Guarantee terms
2 · 3 · 5 · 7 · 10 yrs
Free withdrawal
Not published
Market value adj.
Applies
Minimum premium
$20,000
Availability
44 jurisdictions (43 states + DC)
Texas representative surrender schedule
Not published
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Texas representative rates effective
Apr 6, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
Texas representative rates and contract schedule. Rates and any linked contract schedule come from the Texas qualified response; other jurisdictions can differ. California is evaluated through a separate state-qualified response; its state-specific rate and contract schedule still require confirmation; the Texas figures are not universal.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 2-year$20,000–$99,999 premium · Schedule not published | 5.00% | 5.00% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
| 2-year$100,000–$2,000,000 premium · Schedule not published | 5.20% | 5.20% | Flat throughout | $110,670+$10,670 interest | +0.70 ptsmedian 4.50% · n=20 |
| 3-year$20,000–$99,999 premium · Schedule not published | 5.20% | 5.20% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
| 3-year$100,000–$2,000,000 premium · Schedule not published | 5.40% | 5.40% | Flat throughout | $117,091+$17,091 interest | +0.25 ptsmedian 5.15% · n=107 |
| 5-year$20,000–$99,999 premium · Schedule not published | 5.55% | 5.55% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
| 5-year$100,000–$2,000,000 premium · Schedule not publishedHighest | 5.75% | 5.75% | Flat throughout | $132,252+$32,252 interest | +0.35 ptsmedian 5.40% · n=125 |
| 7-year$20,000–$99,999 premium · Schedule not published | 5.20% | 5.20% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
| 7-year$100,000–$2,000,000 premium · Schedule not published | 5.40% | 5.40% | Flat throughout | $144,505+$44,505 interest | +0.10 ptsmedian 5.30% · n=113 |
| 10-year$20,000–$99,999 premium · Schedule not published | 5.20% | 5.20% | Flat throughout | Outside this premium band | Not comparable at $100,000 |
| 10-year$100,000–$2,000,000 premium · Schedule not published | 5.40% | 5.40% | Flat throughout | $169,202+$69,202 interest | -0.10 ptsmedian 5.50% · n=35 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.75% grows over 5 years
Follow a deposit through the complete guarantee term.
The calculator uses the published rate band matching the entered premium. If no matching band is published, it retains the $100,000 comparison rate and labels the contract details for confirmation.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.75% | +$5,750 | $105,750 |
| Year 2 | 5.75% | +$6,081 | $111,831 |
| Year 3 | 5.75% | +$6,430 | $118,261 |
| Year 4 | 5.75% | +$6,800 | $125,061 |
| Year 5 | 5.75% | +$7,191 | $132,252 |
| Compound-equivalent annual rate over the full term | 5.750% | ||
How the number is calculated
- Product
- Incline Advisory MYGA
- Schedule
- 5.75% for 5 years
- Crediting
- Compound interest
- Ending value
- $132,252
- Effective rate
- 5.750% per year
Equivalent: a flat MYGA paying 5.75% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · not published
Rates and any linked contract schedule come from the Texas qualified response; other jurisdictions can differ. California is evaluated through a separate state-qualified response; its state-specific rate and contract schedule still require confirmation; the Texas figures are not universal.
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Incline Advisory offers a choice of guarantee periods, allowing advisory clients to match the rate lock to their planning horizon rather than accept a single contract length.
- The product is designed for registered investment adviser distribution, with AmFirst serving as the issuing insurance company.
- The contract supports qualified and non-qualified money along with single or joint ownership and annuitant arrangements.
What to confirm
- A market value adjustment may increase or reduce the amount received on an early withdrawal.
- The displayed rate depends on both the selected guarantee period and the premium band that applies to the purchase.
- An exact surrender schedule is not linked to the published rate records, so buyers should confirm the applicable schedule before purchase.
- The public product information does not publish a free-withdrawal allowance or enough detail to describe the standard death-benefit calculation.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$20,000 minimum
$2,000,000 maximum · Fund type: $20,000–$2,000,000
Issue ages
0–89 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Joint · Single
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Joint life · Single life
Maximum annuitization age: 120 years
Fees and charges
None published
Contract versions
1
Most states · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 4, 2026.
State availability
44 jurisdictions (restricted footprint) in the current feed. The grid shows availability only; it does not apply the Texas representative rates or contract schedule to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.