What is the minimum guaranteed surrender value for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

Guaranteed Growth Strategies is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 5-, or 7-year term, during which interest grows tax-deferred. During the Initial Guarantee Period, the policy allows annual penalty-free withdrawals up to the Free Withdrawal Amount, while withdrawals above this amount may be subject to withdrawal charges and a Market Value Adjustment (MVA). At the end of the Initial Guarantee Period, the contract automatically renews into one-year Subsequent Guarantee Periods with newly declared rates that will not be less than the Guaranteed Minimum Interest Rate of 0.15%.

What is the minimum premium amount for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

The minimum premium amount is $25,000.

What is the maximum issue age for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

The current interest rate is 4.25%.

What is the surrender charge schedule for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the Initial Guarantee Period, are subject to withdrawal charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the guarantee period. All funds become fully penalty-free at the end of the Initial Guarantee Period. California uses state-specific contract variations.

What are the best rates available for Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)?

The best available rate is 4.85% for a 7 year term.

Equitable Financial Life Insurance of America

Equitable – Guaranteed Growth Strategies® (GGS) MYGA (3-, 5-, 7-Year Terms)

About this product

The Equitable Guaranteed Growth Strategies® MYGA is a single-premium Multi-Year Guaranteed Annuity issued by Equitable Financial Life Insurance Company of America that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. With annually available penalty-free withdrawal access and a straightforward fixed-rate structure, Guaranteed Growth Strategies supports long-term financial planning with security, simplicity, and consistent growth.

Available Rates

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

3 Years	4.50%
5 Years	4.85%
7 Years	4.85%

Available Guarantee Periods

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

$25,000.00 - $99,999.00	4.25%
$100,000.00 - $1,000,000.00	4.5%

Features
Maximum Issue Age	85 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