Fixed Annuities (MYGAs)

A Fixed Annuity (MYGA) is a contract with an insurance company that guarantees a fixed rate of interest for a set period of time (multi-year guarantee). At the end of the accumulation phase, clients can choose from a variety of payout options, including guaranteed lifetime income.

• Conservative investors who want principal protection and steady returns
• Pre-retirees seeking predictable income streams in retirement
• Clients looking to diversify with a guaranteed, tax-deferred option outside of market risk
• Individuals seeking alternatives to CDs or bonds with higher growth potential

Advisors often use Fixed Annuities to:

• Provide safety and stability in uncertain markets
• Guarantee predictable growth through fixed interest rates
• Create reliable income with annuitization or income options
• Balance client portfolios by reducing exposure to market volatility

• “Would guaranteed growth and protection of principal give you peace of mind?”
• “Do you want a portion of your retirement savings to be safe from market swings?”
• “Would predictable income options make your retirement plan more secure?”