Secure Term Fixed Annuity IV - FP Series
New York Life Insurance and Annuity Corporation (NYLIAC)
Best available rate
4.8%
7-yr guarantee · 7-yr surrender schedule · $100,000+ premium
Up to 4.8% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
Rates as of August 18, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
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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.
Free withdrawal
10%/yr
Minimum premium
$5,000
Available guarantee terms
3, 4, 5, 6, and 7 years
Available surrender terms
3, 4, 5, 6, and 7 years
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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 | Aug 17, 2026 | 4%Rate convention not stated | 4.2%Rate convention not stated | 4.4%Rate convention not stated | 4.65%Rate convention not stated |
| 4-Year | 4-Year schedule | Aug 17, 2026 | 4%Rate convention not stated | 4.2%Rate convention not stated | 4.4%Rate convention not stated | 4.65%Rate convention not stated |
| 5-Year | 5-Year schedule | Aug 17, 2026 | 4.05%Rate convention not stated | 4.25%Rate convention not stated | 4.45%Rate convention not stated | 4.7%Rate convention not stated |
| 6-Year | 6-Year schedule | Aug 17, 2026 | 4.1%Rate convention not stated | 4.3%Rate convention not stated | 4.5%Rate convention not stated | 4.75%Rate convention not stated |
| 7-Year | 7-Year schedule | Aug 17, 2026 | 4.15%Rate convention not stated | 4.35%Rate convention not stated | 4.55%Rate convention not stated | 4.8%Rate convention not stated |
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
Single lifeContract conversion options should be confirmed before purchase.
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, Surrender waivers
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.