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Axonic Insurance Services (AIS)
Axonic Insurance Services (AIS)

Axonic Waypoint MYGA

About this product

The Axonic Waypoint MYGA (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.

Available Rates

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

2 Years5.00%
3 Years5.45%
5 Years5.65%
7 Years5.55%
10 Years5.40%

Available Guarantee Periods

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

$20,000.00 - $99,999.004.7%
$100,000.00 - $1,000,000.005%
Features
Maximum Issue Age89 years

Lifetime Income Details

Payout Options

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
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