Secure Term Fixed Annuity IV - FP Series
New York Life Insurance and Annuity Corporation (NYLIAC)
Best available rate
4.85%
7-yr guarantee · 7-yr surrender schedule · $100,000+ premium
Up to 4.85% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
Rates as of September 7, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Secure Term Fixed Annuity IV - FP Series
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this New York Life Insurance and Annuity Corporation (NYLIAC) product.
Live product data
Rates as of September 7, 2026, from AdvisorWorld and CANNEX.
5-year guaranteed rate
4.8% guaranteed for 5 years
A multi-term New York Life MYGA with return of premium, no MVA on the selected contract, and published withdrawal and event-waiver provisions.
Best fit
Safety-first buyers who want a choice of fixed guarantee periods, value return of premium and a no-MVA contract, and can remain within the published liquidity terms.
Available guarantee terms
3, 4, 5, 6, and 7 years
AM Best
A++ Superior
Available surrender terms
3, 4, 5, 6, and 7 years
Free withdrawal
10%/yr
Minimum premium
$5,000 non-qualified / $5,000 qualified
Product analyst notes
How to think about this contract
Why it can stand out
- The contract offers multiple fixed guarantee periods, supporting a term choice aligned with the buyer's planned holding period.
- The selected contract data publishes return of premium and says a market value adjustment does not apply.
- A free-withdrawal allowance and nursing-home, required-minimum-distribution, and terminal-illness waivers provide named liquidity paths.
- Systematic withdrawals are available under the published contract facts.
What to confirm
- Rate availability begins at a higher premium band than the contract minimum, so buyers below that rate band must confirm current pricing.
- Surrender charges can still apply through the selected term even though the selected contract data says no MVA applies.
- The current rate rows do not publish the interest-crediting convention, so the page should not infer an ending value or effective yield.
- Return of premium and the withdrawal allowance are contract terms, not permission to take unrestricted withdrawals without consequences.
Not ideal for
Buyers who need unrestricted early access, market-linked growth, a premium bonus, or guaranteed lifetime withdrawals.
Free Comparison Report
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See how Secure Term Fixed Annuity IV - FP Series compares for your age, state, premium, and income goals alongside other New York Life Insurance and Annuity Corporation (NYLIAC) MYGA options.
Guaranteed Rates by Term
| Term | Surrender term | Rate effective | $5,000–$24,999Premium · comparable annual rate | $25,000–$49,999Premium · comparable annual rate | $50,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|---|
| 3-Year | 3-Year schedule | Sep 7, 2026 | 4.1%Compound annual rate | 4.3%Compound annual rate | 4.5%Compound annual rate | 4.75%Compound annual rate |
| 4-Year | 4-Year schedule | Sep 7, 2026 | 4.1%Compound annual rate | 4.3%Compound annual rate | 4.5%Compound annual rate | 4.75%Compound annual rate |
| 5-Year | 5-Year schedule | Sep 7, 2026 | 4.15%Compound annual rate | 4.35%Compound annual rate | 4.55%Compound annual rate | 4.8%Compound annual rate |
| 6-Year | 6-Year schedule | Sep 7, 2026 | 4.15%Compound annual rate | 4.35%Compound annual rate | 4.55%Compound annual rate | 4.8%Compound annual rate |
| 7-Year | 7-Year schedule | Sep 7, 2026 | 4.2%Compound annual rate | 4.4%Compound annual rate | 4.6%Compound annual rate | 4.85%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD 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
7%
Yr 2
7%
Yr 3
7%
After
0%
4-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
5-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
6-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
After
0%
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
Get a Secure Term Fixed Annuity IV - FP Series rate report
See how Secure Term Fixed Annuity IV - FP Series compares for your age, state, premium, and income goals alongside other New York Life Insurance and Annuity Corporation (NYLIAC) MYGA options.