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Highest compound-equivalent rate
5.7169%
3-yr compound-equivalent annual rate · 3-yr surrender schedule · $100,000+ premium
6.05% simple interest quoted · Most states · MVA · No liquidity rider · $100,000+ premium.
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 Staysail Select
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Knighthead 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 Staysail Select compares for your age, state, premium, and income goals alongside other Knighthead Life MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Nov 10, 2026 | 5.7169%Compound equivalent · comparison rate6.05% quoted simple interest |
| 5-Year | 5-Year schedule | Nov 10, 2026 | 5.5087%Compound equivalent · comparison rate6.15% quoted simple interest |
| 7-Year | 7-Year schedule | Nov 10, 2026 | 5.2844%Compound equivalent · comparison rate6.2% quoted simple interest |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
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
3-Year Version
Yr 1
9%
Yr 2
9%
Yr 3
8%
After
0%
5-Year Version
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
After
0%
7-Year Version
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Nursing home waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
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See how Staysail Select compares for your age, state, premium, and income goals alongside other Knighthead Life MYGA options.
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