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Best available rate
5.3%
7-yr guarantee · 7-yr surrender schedule · $25,000+ premium
Highest current rate across the available 3-year, 5-year, and 7-year guarantee terms.
View all rates and terms ↓10%
Free W/D
46
Available jurisdictions
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Multi-Year Guaranteed Annuity
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Ceres Life product.
Free withdrawal
10%/yr
Availability
46 jurisdictions (restricted footprint)
Minimum premium
$25,000
Available guarantee terms
3, 5, and 7 years
Available surrender terms
3, 5, and 7 years
Free Comparison Report
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See how Multi-Year Guaranteed Annuity compares for your age, state, premium, and income goals alongside other Ceres Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Apr 6, 2026 | 5.05%Compound annual rate |
| 5-Year | 5-Year schedule | Apr 6, 2026 | 5.25%Compound annual rate |
| 7-Year | 7-Year schedule | Apr 6, 2026 | 5.3%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Joint life, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Carrier Ratings
Free Comparison Report
Get a Multi-Year Guaranteed Annuity rate report
See how Multi-Year Guaranteed Annuity compares for your age, state, premium, and income goals alongside other Ceres Life MYGA options.
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