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Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

Do I Need an Annuity If I Already Have a Pension? 

Understanding Market Value Adjustments (MVAs)

The Difference Between an Annuity Statement and Prospectus

How to Read and Understand an Annuity Prospectus

How to Read and Understand an Annuity Statement

Can You Retire Comfortably with Just an Annuity?

2025 Market & Policy Trends (Part 6)

2025 Market & Policy Trends (Part 5)

2025 Market & Policy Trends (Part 4)

American National Palladium 3, 5 MYGA

Fixed Annuity Rates

Discover the Key to a Reliable Retirement with Index Annuity Rates

Immediate Annuities Rates

Variable Annuity Rates

How to Get the Best Annuity Rates: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

Surrender charges apply to withdrawals that exceed the Free Partial Withdrawal limits and follow a declining schedule based on the contract term. For example, a 3-year term features charges of 9%, 8%, and 7% in years one through three. Longer terms (up to 10 years) have proportionally extended schedules, concluding with as little as 0.50% in the final year. Additionally, a Market Value Adjustment (MVA) may apply to excess withdrawals during the surrender charge period. This MVA can be positive or negative depending on market conditions at the time of withdrawal. Waivers may be available in the event of terminal illness or nursing home confinement.

Terminal Illness & Nursing Home Confinement Rider. Not available in California.

No front-end charges or annual fees. 100% of your money is working for you from day one.

Terminal Illness and Nursing Home Confinement Waiver: Waives surrender charges and MVA for full or partial surrender if qualifications are met .

Required Minimum Distributions or 5% of the prior anniversary accumulation value starting in year 2, with a $250 minimum.

Multi-Year Guaranteed Annuity (MYGA) available for 3 through 10 years.

The Guaranty Rate Lock annuity is issued by Guaranty Income Life Insurance Company and provides a fixed rate of interest for a period selected by the policyholder at the time of purchase. There are no front-end loads or annual fees, so 100% of the premium starts working immediately. Upon completion of the selected term, options include renewal or converting the value into a retirement income stream. This annuity accommodates liquidity needs via free withdrawals and includes optional benefits like waivers for terminal illness or nursing home confinement. Withdrawals exceeding the free allowances may be subject to surrender charges and a Market Value Adjustment (MVA).

After the guarantee period ends, the policyholder can renew for another term or convert the value into a retirement income stream.

Full surrender value is the greater of Minimum Guaranteed Cash Value or Accumulated Value, less surrender charge and MVA. Minimum Guaranteed Cash Value is 87.5% of the premium, less withdrawals or premium taxes, accumulated at a nonforfeiture interest rate of 1%–3%.

Multi-Year Guaranteed Annuity (MYGA) offers a secure way to grow retirement savings through guaranteed interest rates and tax-deferred accumulation. It shields the investor from market volatility, ensuring predictable growth over a selected term of 3 to 10 years. This product is structured to offer financial peace of mind through stability and flexibility, with the ability to renew after the guarantee period or transition to income payments for retirement. All interest earnings are compounded and remain untaxed until withdrawal, enhancing accumulation potential.