Multi-year Guarantee Annuity
Royal Neighbors of America
Best available rate
5.65%
10-yr guarantee · 10-yr surrender schedule · $100,000+ premium
Up to 5.65% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
43
Available states
Rates as of August 17, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Multi-year Guarantee Annuity
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Royal Neighbors of America product.
Live product data
Rates as of August 17, 2026, from AdvisorWorld and CANNEX.
10-year guaranteed rate
5.65% guaranteed for 10 years
A multi-term fixed annuity from A-rated Royal Neighbors with choices through ten years, annual access, an emergency rider, and an MVA.
Best fit
Eligible Royal Neighbors buyers who want several guaranteed-rate horizons and can match the chosen term to money they will not need early.
Available guarantee terms
3, 5, 9, and 10 years
AM Best
A Excellent
Available surrender terms
3, 5, and 10 years
Free withdrawal
10%/yr
Availability
43 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Short, middle, and long guarantee-period choices let members align the rate lock with a defined planning horizon.
- Annual free withdrawals are supplemented by the Member Emergency Access Rider shown in the live product data.
What to confirm
- The longest term carries a matching long surrender schedule and applicable early exits can face a market value adjustment.
- The live quotes are premium-qualified and the product is not filed in every jurisdiction; confirm the applicable band and state before comparing.
Not ideal for
Buyers who need nationwide availability, broad early liquidity, or a contract without MVA exposure.
Free Comparison Report
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See how Multi-year Guarantee Annuity compares for your age, state, premium, and income goals alongside other Royal Neighbors of America MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $10,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| California · MVA · No liquidity rider | 3-Year | 3-Year schedule | Jul 1, 2026 | 4.65%Rate convention not stated | 4.85%Rate convention not stated |
| California · MVA · No liquidity rider | 5-Year | 5-Year schedule | Jul 1, 2026 | 5.2%Rate convention not stated | 5.4%Rate convention not stated |
| California · MVA · No liquidity rider | 9-Year | Not available | Jul 1, 2026 | 5.45%Rate convention not stated | 5.25%Rate convention not stated |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Jul 1, 2026 | 4.75%Rate convention not stated | 4.95%Rate convention not stated |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Jul 1, 2026 | 5.3%Rate convention not stated | 5.5%Rate convention not stated |
| Most states · MVA · No liquidity rider | 10-Year | 10-Year schedule | Jul 1, 2026 | 5.45%Rate convention not stated | 5.65%Rate convention not stated |
Key Features
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract 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
9%
Yr 2
8%
Yr 3
7%
After
0%
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
10-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
100%
Yr 10
50%
After
0%
Carrier Ratings
Free Comparison Report
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See how Multi-year Guarantee Annuity compares for your age, state, premium, and income goals alongside other Royal Neighbors of America MYGA options.