What is the minimum guaranteed surrender value for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

Royal Neighbors MYGA CA is a Single Premium Deferred Annuity that credits a fixed interest rate for the selected 3-, 5-, or 9-year guarantee period. The owner makes a one-time premium payment, and interest grows tax-deferred throughout the term. The contract includes a Market Value Adjustment (MVA) and guarantees interest will not fall below the minimum guaranteed rate stated in the policy.

What is the minimum premium amount for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

The maximum issue age is 85 years.

What is the current interest rate for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

The current interest rate is 4.45%.

What is the surrender charge schedule for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

The Surrender Charge will apply to a full or partial surrender of the premiums paid. The charge does not apply to any distribution of interest earnings. The Surrender Charges are based on the length of the MYGA term. For the 3-Year MYGA, the charges are 9%, 8%, and 7% respectively in years 1 to 3. For the 5-Year MYGA, charges are 9%, 8%, 7%, 6%, and 5% in years 1 to 5. For the 9-Year MYGA, charges begin at 9% and gradually decline each year to 0.5% in year 10, followed by 0% beyond year 10. However, California MYGAs are not subject to a Market Value Adjustment and include a penalty-free 30-day window before each renewal term where no surrender charges apply

What are the best rates available for Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)?

The best available rate is 5.20% for a 9 year term.

Royal Neighbors of America

Royal Neighbors – MYGA CA (3-,-5- &-9-year terms)

About this product

The Royal Neighbors MYGA CA is the California-specific version of the Multi-Year Guarantee Annuity, offering single-premium, fixed, tax-deferred growth with guaranteed interest rates over 3-, 5-, or 9-year terms. Designed to meet California regulatory requirements, MYGA CA provides conservative savers with principal protection, predictable returns, and stable accumulation free from market volatility.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.55%
5 Years	5.10%
9 Years	5.20%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	4.45%
$100,000.00 - $1,000,000.00	4.55%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage