Multi-Year Guaranteed Annuity
Premier Voyage
Guarantee terms
2 · 3 · 4 · 5 · 6 · 7 yrs
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$10,000
Availability
50 jurisdictions (49 states + DC)
Surrender schedule
7-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Sep 14, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 2-yearSchedule not published | 4.20% | 4.20% | Flat throughout | $108,576+$8,576 interest | -0.30 ptsmedian 4.50% · n=20 |
| 3-yearSchedule not published | 5.00% | 5.00% | Flat throughout | $115,763+$15,763 interest | -0.20 ptsmedian 5.20% · n=118 |
| 4-yearSchedule not published | 5.15% | 5.15% | Flat throughout | $122,247+$22,247 interest | Not available |
| 5-yearSchedule not published | 5.20% | 5.20% | Flat throughout | $128,848+$28,848 interest | +0.00 ptsmedian 5.20% · n=118 |
| 6-yearSchedule not published | 5.20% | 5.20% | Flat throughout | $135,548+$35,548 interest | Not available |
| 7-yearSchedule not publishedHighest | 5.25% | 5.25% | Flat throughout | $143,072+$43,072 interest | +0.05 ptsmedian 5.20% · n=118 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.25% grows over 7 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.25% | +$5,250 | $105,250 |
| Year 2 | 5.25% | +$5,526 | $110,776 |
| Year 3 | 5.25% | +$5,816 | $116,591 |
| Year 4 | 5.25% | +$6,121 | $122,712 |
| Year 5 | 5.25% | +$6,442 | $129,155 |
| Year 6 | 5.25% | +$6,781 | $135,935 |
| Year 7 | 5.25% | +$7,137 | $143,072 |
| Compound-equivalent annual rate over the full term | 5.250% | ||
How the number is calculated
- Product
- Premier Voyage
- Schedule
- 5.25% for 7 years
- Crediting
- Compound interest
- Ending value
- $143,072
- Effective rate
- 5.250% per year
Equivalent: a flat MYGA paying 5.25% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
Published schedule 1 · 7-year
Published schedule 2 · 7-year
The source publishes these contract schedules but does not link either schedule to the selected rate row. Confirm the state-qualified schedule for the issued contract.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Carrier financial strength is published by multiple independent rating agencies, so the strength view is not a single-source read.
- The published guarantee menu spans short, mid, and longer lock-in periods, giving buyers several ways to match the rate commitment to their time horizon.
- The source publishes surrender-charge options through the longest guarantee horizon; the page shows those options separately because the current rate rows do not identify which schedule applies.
- An annual free-withdrawal allowance plus named nursing-home, terminal-illness, and required-minimum-distribution waivers provide defined liquidity paths, and the contract facts publish both single-life and joint annuitization choices.
What to confirm
- The guarantee menu stops at the longest term shown on this page; buyers seeking a longer fixed-rate horizon need a different contract.
- The source publishes more than one surrender-charge schedule without linking either one to the selected rate row. Confirm the state-qualified schedule before purchase; this is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page assume a specific premium-band and issue-age scenario; deposits in lower or higher bands may earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size before signing.
- This contract is not available in New York, so New York buyers need a different contract. The published death benefit has no roll-up or step-up enhancement, and the feed publishes no guaranteed-lifetime-withdrawal rider; this product is built for rate certainty rather than legacy enhancement or guaranteed lifetime income.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$10,000 minimum
$10,000,000 maximum
Issue ages
18–90 or 19–90 (annuitant and owner; applicability by range not published)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Joint · Single
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Certain period · Joint life · Single life
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
1
Most states · MVA · No liquidity rider
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 18, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.