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Understanding Market Value Adjustments (MVAs)

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American National Palladium 3, 5 MYGA

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The surrender charge starts at 9% in the first year and decreases by 1% each subsequent contract year, reaching 0% after the term ends. For California, the percentages differ slightly (starting at 8.55%). These charges only apply during the initial fixed interest rate guarantee period. Afterward, accounts renew into one-year guarantee periods without new surrender charges unless a full surrender occurs.

(Conditions apply, e.g., impairment or diagnosis must begin after issue date, and waiver must be requested at least 1 year after issue)

Paid as a lump sum, the greater of: • Account value • Minimum guaranteed surrender value.

Return of Premium (ROP): “Thanks to the Return of Premium (ROP) feature, the contract is guaranteed to return at least the original premium, less any withdrawals.

Beginning in the first year, up to 10% of the account value annually during the initial fixed interest rate guarantee period. Any amount after the initial fixed interest rate guarantee period ends.

The F&G Secure MYGA® ROP provides a fixed interest rate for a defined term and includes a Return of Premium feature, meaning the client will receive back at least the original premium (less withdrawals) during the initial interest rate guarantee period. If the surrender value exceeds the ROP amount, the greater value is paid. After the term ends, the policy renews annually without additional surrender charges unless a full surrender occurs.

At the end of any guarantee period, if you leave your account value in the product, it will automatically renew one year at a time with no additional surrender charges. Unless there is a full surrender, this renewal process will continue until annuitization or death

Paid as the greater of the account value or the minimum guaranteed surrender value.

 is a single premium, fixed deferred annuity offering a guaranteed interest rate over a fixed term of 3, 5, or 7 years. The acronym “MYGA” stands for Multi-Year Guaranteed Annuity, while “ROP” refers to Return of Premium, which ensures return of the original premium minus any withdrawals during the interest guarantee period

A competitive initial fixed interest rate is guaranteed for the 3-, 5- or 7-year initial period. Surrender charges start at 9% in year 1 and decrease 1% annually through the term, reaching 0% after the guarantee period. If the contract renews, it does so on a 1-year basis with no new surrender charges. For California residents, slightly lower surrender charges apply (8.55% starting).

A competitive initial fixed interest rate is guaranteed for the 3-, 5- or 7-year initial period. Surrender charges start at 9% in year 1 and decrease 1% annually through the term, reaching 0% after the guarantee period. If the contract renews, it does so on a 1-year basis with no new surrender charges. For California residents, slightly lower surrender charges apply (8.55% starting)

Lump sum payment, greater of account value or minimum guaranteed surrender value. Withdrawals reduce the amount.

Up to 10% of the account value annually during the guarantee period.

Non-qualified and qualified (IRAs, 401(k), 403(b), pension, profit sharing.

This annuity is not a bank product and is not FDIC insured. It’s issued by Fidelity & Guaranty Life Insurance Company (F&G), and availability may vary by state. It includes built-in death benefits, optional waivers for certain healthcare events, and systematic withdrawal options. It is suitable for individuals who want predictable returns, limited liquidity access, and protection against market volatility. The contract includes free withdrawals of up to 10% annually and allows penalty-free access in defined situations like terminal illness or nursing home confinement.

After the initial 3, 5, or 7-year term, the annuity enters a 1-year renewal period with no new surrender charges. This continues annually unless fully surrendered or annuitized.

Greater of account value or minimum guaranteed surrender value.

 is a single premium, fixed deferred annuity offered for 3, 5, or 7 years. It guarantees a competitive fixed interest rate for the selected term without a market value adjustment (MVA), making it a stable choice for conservative investors. Designed for retirement or long-term savings, this product offers protection of principal, tax-deferred growth, and optional access features during unexpected life events. After the initial guarantee period ends, the contract automatically renews on a 1-year term without additional surrender charges, maintaining flexibility.

The surrender charge is 9% in the first year and decreases by 1% each subsequent year during the initial guarantee period. For the 3-year option, it ends after 3 years; for the 5- and 7-year options, the charge reduces to 0% by the end of the respective terms. After the initial term, no surrender charges apply during annual renewals. A Market Value Adjustment (MVA) may also apply depending on interest rate changes since contract issuance. In general, if interest rates increase, the MVA reduces the surrender value; if rates decrease, the MVA can increase it.

The surrender charge is 9% in the first year and decreases by 1% each subsequent year during the initial guarantee period. For the 3-year option, it ends after 3 years; for the 5- and 7-year options, the charge reduces to 0% by the end of the respective terms. After the initial term, no surrender charges apply during annual renewals. A Market Value Adjustment (MVA) may also apply depending on interest rate changes since contract issuance. In general, if interest rates increase, the MVA reduces the surrender value; if rates decrease, the MVA can increase it 

Includes riders for terminal illness, nursing home confinement, and impairment. Names include:

Paid as a lump sum, greater of: Account value or Minimum guaranteed surrender value.

Terminal Illness, Nursing Home, and Impairment waivers allow access to account value without surrender charges or MVA if qualified.

Beginning in the first year, up to 10% of the beginning of year account value annually during the initial fixed interest rate guarantee period.

The annuity provides a lump-sum death benefit equal to the greater of the account value or the minimum guaranteed surrender value. Policyholders can take advantage of 10% annual penalty-free withdrawals during the initial rate guarantee period. After the term ends, the policy renews annually with no surrender charges, continuing until annuitization or death. Withdrawals may incur surrender charges and market value adjustments during the term if exceeding penalty-free limits

At the end of any guarantee period, if you leave your account value in the product, it will automatically renew one year at a time with no additional surrender charges.

Greater of the account value or the minimum guaranteed surrender value.

 is a single premium, fixed deferred annuity offering a competitive fixed interest rate for 3, 5, or 7 years. “MYGA” stands for multi-year guaranteed annuity, and “MVA” denotes a market value adjustment. The product is designed to help individuals grow retirement savings with tax deferral and a guaranteed interest rate over a set period. After the guarantee period, the product enters a renewal phase with a new rate and no new surrender charges

The surrender charge begins at 9% in the first year of the guarantee period and decreases by 1% each subsequent year, depending on the term chosen (3, 5, or 7 years). At the end of each period, if renewed, a new surrender charge schedule identical to the original is applied. For example, a 7-year product will have charges of 9%, 8%, 7%, 6%, 5%, 4%, and 3% respectively. An additional Market Value Adjustment (MVA) applies to withdrawals subject to surrender charges. This MVA reflects changes in U.S. Treasury rates since the contract was issued, potentially increasing or decreasing the value received. Some states apply unique schedules or waive the MVA 

Paid as a lump sum – Account value (Unless the spouse, as beneficiary, of the first owner to die continues or succeeds to ownership of the annuity.

Access to account value with no surrender charge or MVA in cases of:

Accumulated interest and any amount withdrawn during the first 30 days after any guarantee period

The policy offers a guaranteed rate of interest for the selected term (3, 5, or 7 years). At the end of the term, policyholders enter a 30-day window where they can withdraw funds without penalty or choose to renew for another term. Withdrawals outside this period may incur surrender charges and a Market Value Adjustment (MVA). The product also includes standard death benefits and special access provisions for healthcare-related emergencies, such as nursing home confinement or terminal illness, subject to eligibility and state availability.

“After the initial guarantee period, the annuity will immediately enter into a new guarantee period crediting a renewal fixed interest rate. At the end of any guarantee period, contract holders will have a 30-day window to withdraw some or all of their account value free of surrender charges and MVA.

Subject to surrender charges and MVA; calculated as account value minus applicable fees

 is a single premium, fixed deferred annuity that provides a guaranteed interest rate for a specific period—either 3, 5, or 7 years. It is designed for individuals seeking predictable, tax-deferred growth on their investment without market risk. This annuity allows for competitive fixed rate returns and offers the flexibility of penalty-free interest withdrawals, making it suitable for conservative investors interested in guaranteed returns over a defined timeline .

F&G Secure MYGA® ROP

Secure MYGA Non MVA

Secure MYGA MVA

FG Guarantee-Platinum