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Preferred Choice NY — Manhattan Life Insurance Company
Manhattan Life Insurance Company
Best available rate
4.9%
5-yr guarantee · 5-yr surrender schedule · $10,000+ premium
Highest current rate across the available 3-year, 5-year, 6-year, and 7-year guarantee terms.
View all rates and terms ↓15%
Free W/D
New York
Only state
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Preferred Choice NY
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Manhattan Life Insurance Company product.
Free withdrawal
15%/yr
Availability
New York only
Minimum premium
$10,000
Available guarantee terms
3, 5, 6, and 7 years
Available surrender terms
3, 5, 6, and 7 years
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See how Preferred Choice NY compares for your age, state, premium, and income goals alongside other Manhattan Life Insurance Company MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Sep 2, 2026 | 4.5%Compound annual rate |
| 5-Year | 5-Year schedule | Sep 2, 2026 | 4.9%Compound annual rate |
| 6-Year | 6-Year schedule | Sep 2, 2026 | 4.05%Compound annual rate |
| 7-Year | 7-Year schedule | Sep 2, 2026 | 4.25%Compound annual rate |
Key Features
Free withdrawal
15%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
6%
Yr 2
5%
Yr 3
4%
After
0%
5-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
6-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
After
0%
7-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Carrier Ratings
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See how Preferred Choice NY compares for your age, state, premium, and income goals alongside other Manhattan Life Insurance Company MYGA options.
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