What is the minimum guaranteed surrender value for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

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.

What is the minimum premium amount for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

The minimum premium amount is $20,000.

What is the maximum issue age for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

The maximum issue age is 89 years.

What is the current interest rate for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

The current interest rate is 4.95%.

What is the surrender charge schedule for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

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.

What are the best rates available for Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)?

The best available rate is 5.75% for a 5 year term.

Axonic Insurance Services (AIS)

Axonic – Incline™ MYGA (3-, 5-, 7-, 10-Year Terms)

About this product

The Axonic Incline™ MYGA 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	5.25%
5 Years	5.75%
7 Years	5.50%
10 Years	5.50%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$20,000.00 - $99,999.00	4.95%
$100,000.00 - $1,000,000.00	5.25%

Features
Maximum Issue Age	89 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage