Simulation & Edit Mode
Active Product: USAA Life – Protected Deferred Annuity (3-, 4-, 5-, and 10-year terms)
USAA Life – Protected Deferred Annuity (3-, 4-, 5-, and 10-year terms)
About this product
The USAA Protected Deferred Annuity is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed for clients seeking tax-deferred growth, fixed accumulation, and guaranteed principal protection. It locks in a guaranteed interest rate for 3, 4, 5, or 10 years, providing predictable performance backed by USAA Life Insurance Company’s financial strength. The annuity allows limited annual penalty-free withdrawals and includes waiver features for qualifying life events, offering a balance of growth and flexibility.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 4.65% |
| 4 Years | 4.75% |
| 5 Years | 4.90% |
| 10 Years | 5.15% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $50,000.00 - $99,999.00 | 4.50% |
| $100,000.00 - $2,000,000.00 | 4.65% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (65), the following guarantee period will be applied:
| Guarantee Period | 10 years |
| Rate | 5.15% |
| Age | 55 - 65 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 3 |
Lifetime Income Details
Payout Options
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