What is the minimum guaranteed surrender value for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

Secure MYGA ROP is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium payment, and interest is credited daily and compounded annually on a tax-deferred basis. Beginning in the first contract year, the owner may withdraw up to 10% of the beginning-of-year account value annually during the surrender-charge period without surrender charges. Withdrawals in excess of the free amount may be subject to surrender charges. At the end of the initial guarantee period, the contract automatically renews into one-year guarantee periods with no surrender charges, allowing full penalty-free access at any time.

What is the minimum premium amount for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

The minimum premium amount is $20,000.

What is the maximum issue age for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

The maximum issue age is 90 years.

What is the current interest rate for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

The current interest rate is 3.45%.

What is the surrender charge schedule for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

Withdrawals exceeding the 10% annual free-withdrawal limit or full surrender during the initial guarantee period may incur both surrender charges and an MVA. After the guarantee period ends, the contract renews annually with 0% surrender charges. California uses a separate schedule.

What are the best rates available for F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)?

The best available rate is 4.45% for a 7 year term.

F&G Annuities and Life

F&G – Secure MYGA® ROP (3-, 5-, 7-Year Terms)

About this product

The F&G Secure MYGA® with Return of Premium (ROP) is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, tax-deferred interest growth and full principal protection over 3-, 5-, and 7-year guarantee periods. Designed for conservative savers seeking stability and liquidity protection, the contract credits a guaranteed fixed interest rate for the full term. Its defining feature is the Return of Premium (ROP) guarantee, which ensures the owner may surrender the contract during the initial guarantee period and receive no less than the original premium, less withdrawals. Secure MYGA ROP combines predictable growth, early liquidity access, and principal protection in a straightforward fixed annuity structure.

Available Rates

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

3 Years	3.70%
5 Years	4.35%
7 Years	4.45%

Available Guarantee Periods

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

$20,000.00 - $99,999.00	3.45%
$100,000.00 - $1,000,000.00	3.7%

Features
Maximum Issue Age	90 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