Aspida Advisory MYGA
Aspida
5.5%
5-yr guarantee
10%
Free W/D
49
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5.5% guaranteed for 5 years
An advisory (fee-based / RIA-friendly) share class of Aspida's multi-year guaranteed annuity from an A- rated carrier, offered in multiple guarantee-period lengths with a surrender ladder, MVA, and a small annual free-withdrawal allowance — broadly filed across 49 jurisdictions, with a $100,000 minimum premium.
Best fit
Safety-first buyers working with a fee-based or RIA advisor who want a known, contractually guaranteed interest rate for a defined number of years from a financially sound carrier, have at least $100,000 to place, and are comfortable leaving the premium alone for the chosen guarantee period.
AM Best
A- Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. New York, North Carolina)
Product analyst notes
How to think about this contract
Why it can stand out
- Advisory share class — distributed primarily through fee-based / RIA platforms, with a different commission structure than the equivalent commission-paid Aspida MYGA. Buyers working with a fee-only advisor see this product priced for their channel.
- Multiple guarantee-period lengths are offered (short, mid, and longer terms) so buyers can match the rate-lock to the horizon they actually want rather than being forced into a single term.
- Broadly filed across the country (49 jurisdictions), so most buyers in most states can purchase the product on its standard terms.
- A standard set of liquidity waivers is built in (nursing home, terminal illness, and required minimum distributions), giving the contract a baseline escape valve for defined hardships without paying for an optional rider.
What to confirm
- Minimum premium is $100,000 — this is a high-band MYGA. The headline rate shown here is the high-band rate; buyers placing less than $100,000 receive a lower band rate, and buyers below that threshold should look at a different MYGA.
- A market value adjustment (MVA) applies during the surrender period. If interest rates rise after issue, an early surrender can return less than the account value — the MVA is in addition to, not in place of, the surrender charge.
- Free-withdrawal allowance is capped at a small percentage of the contract value each year. This is a deferral product, not a checking account — buyers who need ongoing access to principal should size the premium accordingly.
- This is a fixed declared-rate contract: no upside participation in any market index, no built-in lifetime-income mechanism, and no income rider available. Buyers looking for either growth participation or guaranteed lifetime income should be comparing FIAs, not this product.
Not ideal for
Buyers placing less than $100,000, buyers who need ongoing access to principal, buyers who want exposure to a market index, buyers looking for guaranteed lifetime income, or buyers working with a commission-paid agent — the commission-distributed Aspida MYGA is the right sibling filing in that case.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 4.2% |
| 3-Year | 4.8% |
| 5-Year | 5.5% |
| 7-Year | 5.75% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
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
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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