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Surrender charges apply to withdrawals exceeding the free withdrawal amount and decrease over time based on the selected guarantee period, ranging from 9.00% in early years down to 0.90% or 0.00% in later years. Charges may vary by state and are subject to a Market Value Adjustment (MVA)

We will waive the surrender charges and the market value adjustment will not apply.

You may request by written notice to make a full surrender or partial withdrawals ($1,000 minimum)… we will waive the surrender charges and the market value adjustment.

 Nursing Home Confinement Rider not available in the state of California. Terminal Illness Rider not available in the state of California.

If the owner of the contract dies before the annuitization of payments have begun, the contract will pay the value of the annuity to the beneficiary in a lump sum payment. If you die after the payments have begun, the remaining payments, if any, will be made to the beneficiary based on the payout option chosen.

100% Principal Protection: Regardless of market fluctuations, your money is protected from economic volatility.

Tax-Deferred Growth: The interest earned via your Skyline MYGA is tax-deferred until withdrawals are made.

fter the first year, 10% of the contract value on the prior contract anniversary. After the first contract year, you may make multiple withdrawals ($500.00 minimum withdrawal) of an amount up to the remaining annual free withdrawal amount available as of the date of the withdrawals without incurring a surrender charge and a market value adjustment.

Non-Qualified, IRA, IRA Roth, 401k, SEP IRA, Inherited IRA

The policy is a Single Premium Deferred Annuity with Market Value Adjustment (MVA). It guarantees a fixed rate of return for a set term and offers liquidity features such as annual free withdrawals and systematic interest payouts. The policy includes standard settlement options, a death benefit, and additional riders for terminal illness and nursing home confinement (with restrictions by state).

In the event of a contract surrender, the policyholder shall be entitled to a minimum nonforfeiture benefit, which will be calculated based on the premium received, using the interest rate specified in the contract, and will be reduced by any prior withdrawals or partial surrenders taken from the contract.

 is a Multi-Year Guaranteed Annuity (MYGA) issued by AmFirst Insurance Company and serviced by Axonic Insurance Services. It offers fixed-rate returns over a choice of 2-, 3-, 5-, 7-, or 10-year guarantee periods, helping you stay on track despite market fluctuations. The product is designed to provide 100% principal protection, tax-deferred growth, and access to funds through free annual withdrawals of up to 10% of the contract value after the first year. Whether you’re early in your career or entering retirement, Skyline MYGA delivers personalized solutions tailored to your unique circumstances, ensuring a steady and secure path to financial confidence.

Withdrawals exceeding the annual 10% free withdrawal allowance are subject to surrender charges, which decrease over time based on the selected term length.

 100% Principal Protection: Regardless of market fluctuations, your money is protected.

Free Withdrawal of 10% Annually After Year 1.

After the first year, 10% of the contract value on the prior contract anniversary… without incurring a surrender charge or Market Value Adjustment.

Minimum $500 per withdrawal. Interest-only systematic withdrawals allowed quarterly

Non-Qualified, IRA, Roth IRA, 401(k), SEP IRA, Inherited IRA 

Incline MYGA is a Single Premium Deferred Annuity with Market Value Adjustment (MVA). It provides guaranteed fixed interest over a selected term and allows withdrawals of up to 10% of contract value annually after the first year without penalty. If the owner passes away before annuitization, beneficiaries receive a lump-sum death benefit. The policy includes optional riders for terminal illness and nursing home confinement, subject to conditions. At the end of each guarantee period, clients have flexible renewal options.

In the event of a contract surrender, the policyholder shall be entitled to a minimum nonforfeiture benefit, which will be calculated based on the premium received, using the interest rate specified in the contract, and will be reduced by any prior withdrawals or partial surrenders taken from the contract, as per the requirements of the applicable state Standard Nonforfeiture Law.

The Axonic Incline MYGA is a Multi-Year Guaranteed Annuity (MYGA) designed to offer fixed-rate returns, principal protection, and tax-deferred growth. It is issued by AmFirst Insurance Company and marketed by Axonic Insurance Services. This product provides a secure accumulation option, shielding your savings from market volatility and ensuring predictable outcomes at the end of the chosen term (3, 5, 7, or 10 years). It allows for flexible funding options including IRAs and offers features like free withdrawals and added riders for specific circumstances.

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.

Nursing Home Confinement Rider and Terminal Illness Rider – waive surrender charges and MVA under qualifying circumstances (not available in CA).

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.

Non-Qualified, IRA, IRA Roth, 401k, SEP IRA, Inherited IRA.

30 days prior to the end of the initial guarantee period, the owner will be notified of renewal rates and surrender schedules. The owner may choose to renew under the same or new terms, surrender without penalty, take partial withdrawals, or apply the value to a settlement option. If no election is made, the contract renews under the same duration at the current rate.

Equal to contract value minus applicable surrender charges and market value adjustment, if any. Includes a minimum nonforfeiture benefit as required by law.

 (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 Skyline MYGA

Axonic Incline MYGA

Axonic Waypoint MYGA