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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.65% |
| 4 Years | 4.75% |
| 5 Years | 4.90% |
| 10 Years | 5.15% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $50,000.00 - $99,999.00 | 4.5% |
| $100,000.00 - $2,000,000.00 | 4.65% |
| Features | |
| Maximum Issue Age | 85 years |
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