NEW - Try our beta Annuity Rates Simulator

Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

Fixed Indexed Annuity Application Process Explained: Step-by-Step Guide for U.S. Annuitants

Understanding Why Fixed Indexed Annuities Have Different Withdrawal-Charge Versions

Integrating Annuities into a Roth Conversion Strategy for FIRE

The Tax Play: How Certain Annuities Can Smooth Out FIRE Income

Why Many FIRE Advocates Avoid Annuities (and When They Should Consider)

Tax Optimization and Annuities: Smart Strategies for Retirees and Early Retirees

Using QLACs (Qualified Longevity Annuity Contracts) to Protect Against Outliving FIRE Savings

Buying Annuities in a High-Interest-Rate Environment: Timing Strategies for FIRE Planners

Partial FIRE + Partial Annuity: Designing a Hybrid Retirement Income Plan

Dynamic FIRE Withdrawal Strategies and Annuities

Best Fixed Annuity Rates in 2025

Best Fixed Indexed Annuities in 2025

Best Immediate and Deferred Annuities Rates 2025

Best Variable Annuities and Rates – A 2025 Guide for Potential Investors

How to Get the Best Annuity Rates in 2025: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window. California uses a separate surrender-charge schedule.

• Partnership Propel Bonus Rider (not available in California)

None. No annual policy or administrative fees.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or MVA. Once annuitized, remaining payments follow the elected settlement option.

 Waives surrender charges and MVA for qualifying confinement of at least 90 consecutive days (owner must have been under age 80 at issue and not confined during the first contract year; not available in California).

 Waives surrender charges and MVA for qualifying diagnosis with life expectancy of 12 months or less (owner must have been under age 80 at issue; not available in California).

After the first contract year, owners may withdraw up to 10% of the contract value based on the prior anniversary without surrender charges or MVA, subject to a $500 per-withdrawal minimum. Multiple withdrawals may be taken within this 10% allotment, and systematic quarterly interest-only withdrawals are permitted.

 funds. The ViewPoint MYGA accepts a wide range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

ViewPoint MYGA is a Single Premium Deferred Annuity (SPDA) with a Market Value Adjustment (MVA) that guarantees a fixed interest rate for the entire duration of the selected 3-, 5-, 7-, or 10-year period. The owner makes a one-time premium payment and benefits from tax-deferred growth throughout the term. Beginning after the first contract year, the MYGA provides annual penalty-free withdrawals up to 10% of the contract value, while withdrawals above this amount may be subject to surrender charges and an MVA. At the end of each guarantee period, a 30-day window enables renewal, term changes, partial withdrawals, settlement options, or full surrender without charges.  

At the end of each guarantee period, the ViewPoint MYGA enters a 30-day renewal window during which the owner may renew the contract for the same term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for the same guarantee period at the then-current renewal rate.

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by AmFirst Insurance Company that provides fixed, tax-deferred interest growth and complete principal protection across 3-, 5-, 7-, and 10-year guarantee periods. Designed to eliminate market uncertainty, ViewPoint delivers contractually guaranteed rates and predictable growth regardless of economic volatility. With penalty-free access beginning in year two and tax-deferred accumulation, the ViewPoint MYGA supports long-term planning for clients seeking stability, certainty, and protected fixed income outcomes.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window. California uses a distinct surrender-charge schedule.

• Partnership Propel Bonus Rider (applies only if no withdrawals occur during the guarantee period)

None. No annual maintenance or policy fees.

After the first contract year, owners may withdraw up to 10% of the contract value based on the prior anniversary without surrender charges or MVA, subject to a $500 minimum per withdrawal. Multiple withdrawals are permitted within the annual 10% allotment.

 funds. The VantagePoint MYGA accepts a wide range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

VantagePoint MYGA offers a fixed interest rate guaranteed for the entire term. It is available for both qualified and non-qualified funds and features optional liquidity provisions that can be tailored to the client’s needs.

At the end of each guarantee period, the VantagePoint MYGA enters a 30-day renewal window during which the owner may renew for the same term at the declared renewal rate, surrender without charges or MVA, apply the contract value to a settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value. If no election is made, the contract automatically renews for the same guarantee period at the then-current renewal rate.

The surrender value equals the account value minus applicable surrender charges and MVA, but never less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for conservative savers seeking predictable, tax-deferred growth with full principal protection. Issued by AmFirst Insurance Company and available in 3-, 5-, 7-, and 10-year guarantee periods, VantagePoint MYGA provides fixed, contractually guaranteed interest rates insulated from market volatility. With penalty-free liquidity available after the first year and optional waivers for nursing home confinement and terminal illness (where approved), the VantagePoint MYGA delivers simple, stable accumulation and certainty for long-term planning.

Withdrawals exceeding the 10% annual free-withdrawal allowance—or a full surrender during the guarantee period—are subject to surrender charges and may also incur a Market Value Adjustment. Charges decline each year until reaching 0% at the end of the term. After the guarantee period or during the 30-day renewal window, all funds are available penalty-free. California uses a separate surrender-charge schedule.

None. No ongoing policy fees; all growth is credited without reduction for administrative charges.

If the owner dies prior to annuitization, the beneficiary receives the full contract value in a lump sum, unaffected by surrender charges or MVA. After annuitization, any remaining payments are distributed according to the elected settlement option.

 Waives surrender charges and MVA if the owner is confined to an eligible nursing home for at least 90 consecutive days, was not confined during the first year, has no free-withdrawal amount remaining, was under age 80 at issue, and has been the continuous owner since issue. Not available in California.

Waives surrender charges and MVA if a physician certifies the owner’s life expectancy as 12 months or less, provided the owner was under age 80 at issue and has been the continuous owner since issue. Not available in California.

Beginning after the first contract year, owners may withdraw up to 10% of the contract value (based on the prior anniversary) each year without surrender charges or MVA, subject to a $500 minimum per withdrawal. Multiple withdrawals may be taken so long as total annual withdrawals remain within the free 10% allowance. Systematic quarterly interest-only withdrawals are permitted as part of the free-withdrawal provision.

 funds, the Skyline MYGA accepts a wide range of funding types, including Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

Skyline MYGA is a Single Premium Deferred Annuity (SPDA) with a Market Value Adjustment (MVA) where approved. Issued by AmFirst Insurance Company and serviced by Axonic Insurance Services LLC, the policy credits a fixed interest rate for the entire elected guarantee period. The owner makes a one-time premium contribution and selects a 2-, 3-, 5-, 7-, or 10-year term, during which interest grows tax-deferred. After the first contract year, the annuity allows annual penalty-free access up to 10% of the contract value. Withdrawals beyond this limit during the surrender charge period may be subject to surrender charges and MVA. At the end of each guarantee term, a 30-day window allows renewal, surrender, term changes, or annuitization without penalty.

At the end of each guarantee period, the Skyline MYGA enters a 30-day renewal window during which the owner may renew the contract for the same term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for the same guarantee period at the then-current renewal rate.

Equal to the account value minus any applicable surrender charges and MVA—but never less than the minimum non-forfeiture benefit required under Standard Nonforfeiture Law.

is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by AmFirst Insurance Company, offering fixed, tax-deferred growth and full principal protection over 2-, 3-, 5-, 7-, and 10-year guarantee periods. It provides stable, contractually guaranteed interest rates throughout the selected term, independent of market volatility. Skyline MYGA includes flexible access through annual penalty-free withdrawals, straightforward accumulation features, and predictable multi-year growth designed for conservative savers seeking long-term financial security.

Withdrawals above the 10% annual free-withdrawal allowance, or a full surrender during the guarantee period, are subject to declining surrender charges and may also be subject to a Market Value Adjustment. Charge levels are highest in the early policy years and decrease over time until reaching 0% at the end of the term. All funds are available penalty-free at the end of the guarantee period or during the 30-day renewal window. California uses a separate, slightly different surrender charge grid.

(Both included where approved, at no additional charge; not available in California.)

None. There are no annual maintenance or contract fees disclosed; values grow without ongoing policy charges.

Pays out the full contract value to beneficiaries in a lump sum if the owner dies before annuitization; once annuitized, any remaining payments are made according to the elected settlement option. Surrender charges and MVA do not reduce the death benefit prior to annuitization.

 Waives surrender charges and MVA for qualifying withdrawals if the owner is confined to an eligible nursing home for at least 90 consecutive days (owner must have been under age 80 at issue and not confined during the first contract year; not available in California).  

 Waives surrender charges and MVA for qualifying full or partial withdrawals upon a physician-certified terminal illness with a life expectancy of 12 months or less (owner must have been under age 80 at issue; not available in California).

After the first contract year, policyholders can withdraw up to 10% of the contract value based on the prior contract anniversary each year without incurring surrender charges or MVA, subject to a $500 minimum per withdrawal. Systematic quarterly interest-only withdrawals are also available within the free withdrawal allowance.

, IRA, Roth IRA, SEP IRA, Inherited IRA; also commonly used with rollover retirement funds where permitted.

Issued by AmFirst Insurance Company and serviced by Axonic Insurance Services LLC, Incline MYGA is a deferred fixed annuity with a Market Value Adjustment (MVA) that guarantees a fixed interest rate for the chosen multi-year period. The owner makes a single premium contribution, selects a 3-, 5-, 7-, or 10-year guarantee term, and earns tax-deferred interest for the duration of that term. After the first contract year, the policy provides 10% annual penalty-free withdrawal flexibility, while withdrawals above this amount during the surrender charge period may be subject to surrender charges and MVA. At the end of the guarantee period, a 30-day window allows renewal, surrender, or annuitization without penalty.

At the end of the initial or any subsequent guarantee period, the contract enters a 30-day window. During this time, the owner may renew for the same period at the declared renewal rate, surrender the contract without surrender charges or MVA, apply the value to a settlement option, select a different available guarantee period, or take a partial penalty-free withdrawal and apply the remaining value to a new term. If no election is made, the contract automatically renews for the same guarantee period at the then-current renewal rate.  

Equal to the account value minus applicable surrender charges and any Market Value Adjustment, but not less than the minimum nonforfeiture benefit as defined by state Standard Nonforfeiture Law. The minimum nonforfeiture value is calculated based on premium received at the interest rate specified in the contract and reduced by prior withdrawals or partial surrenders. 

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by AmFirst Insurance Company that offers fixed, tax-deferred growth and principal protection over 3-, 5-, 7-, and 10-year guarantee periods. It provides stable, contractually guaranteed interest rates for the selected term while avoiding stock market volatility, and includes flexible access through annual penalty-free withdrawals. Designed for safety-focused savers, it delivers predictable accumulation, conservative liquidity options, and a straightforward path to long-term financial security. 

Surrender charges apply to any withdrawals that exceed the annual 10% free withdrawal allowance, starting from the first policy year. These charges decline each year depending on the selected term of the MYGA (2-, 3-, 5-, 7-, or 10-year). For example, the 2-Year MYGA applies a 9.00% charge in both years, while the 10-Year MYGA begins at 9.20% in year one and reduces gradually to 0.90% by year ten. These surrender charges are designed to discourage early or excess withdrawals and ensure contract stability. Withdrawals may also be subject to a Market Value Adjustment (MVA), and if taken before age 59½, an IRS penalty may apply. California residents are subject to a different surrender charge schedule as outlined in the state’s version of the contract 

Waypoint MYGA is a Single Premium Deferred Annuity with Market Value Adjustment (MVA). The contract includes a fixed interest rate for the duration of the selected term and offers a free-look period of up to 30 days or longer as required by state law. Joint ownership is allowed if the joint owner is a spouse. The product supports Non-Qualified, IRA, IRA Roth, 401k, SEP IRA, and Inherited IRA funding options and is available to individuals up to age 89 and 364 days 

 Waives surrender charges and MVA after 90+ consecutive days in a qualified facility, if the owner was under age 80 at contract issuance.

 Waives charges and MVA upon certified terminal illness with less than 12 months to live; conditions apply including age under 80 at contract issuance.

If the contract owner dies before annuitization, the beneficiary will receive a lump sum of the annuity’s value. If death occurs after payments have begun, remaining payments, if any, continue to the beneficiary based on the chosen settlement option.

 Waives surrender charges and MVA for qualifying confinement of at least 90 consecutive days, provided the owner was under age 80 at issue and not confined during the first contract year; not available in California.

 Waives surrender charges and MVA for qualifying diagnosis with life expectancy of 12 months or less, provided the owner was under age 80 at issue; not available in California.

After the first year, you may withdraw up to 10% of the contract value on the prior contract anniversary each year without a surrender charge or market value adjustment. Withdrawals over that amount may be subject to both. Systematic interest-only withdrawals on a quarterly basis are also allowed after the first year.

 funds. Waypoint MYGA accepts Non-Qualified assets and the following qualified plan funding types: Traditional IRAs, Roth IRAs, SEP IRAs, 401(k) rollovers, and Inherited IRAs.

At the end of each guarantee period, the Waypoint MYGA enters a 30-day renewal window during which the owner may renew the contract for the same term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for the same guarantee period at the then-current renewal rate.

 (Multi-Year Guaranteed Annuity) is a single premium, fixed annuity designed to offer safety, predictability, and tax-deferred growth over a selected guarantee period of 2, 3, 5, 7, or 10 years. Issued by AmFirst Insurance Company and administered by Axonic Insurance Services LLC, this product provides a guaranteed fixed interest rate for the entire term, shielding your funds from market volatility. It supports a wide range of funding types including Non-Qualified, Traditional IRA, Roth IRA, 401(k), SEP IRA, and Inherited IRA accounts, making it a versatile option for retirement and long-term financial planning.

The Waypoint MYGA ensures 100% principal protection, offers a minimum premium entry point of $20,000, and allows owners up to age 89 and 364 days. After the first contract year, policyholders can access up to 10% of the contract value annually without penalty, with optional systematic interest withdrawals available on a quarterly basis. It includes free benefits such as a Nursing Home Confinement Rider and a Terminal Illness Rider (subject to eligibility), which waive surrender charges and market value adjustments under qualifying circumstances. At the end of each term, clients receive a 30-day window to renew, adjust, or withdraw funds without penalty.

Waypoint MYGA is tailored for individuals seeking a low-risk solution that offers reliable returns, tax deferral, flexible access provisions, and added financial security through built-in hardship riders.

Axonic – ViewPoint™ MYGA

Axonic – VantagePoint™ MYGA

Axonic – Skyline™ MYGA

Axonic – Incline™ MYGA

Axonic – Waypoint™ MYGA