Incline MYGA
Axonic Insurance Services (AIS)
5.55%
5-yr guarantee
10%
Free W/D
44
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5.55% guaranteed for 5 years
A straightforward multi-year guaranteed annuity from an A- rated carrier, offered in 3-, 5-, 7-, and 10-year guarantee periods with a 10% annual free-withdrawal allowance, nursing-home and terminal-illness waivers, and a 10-year surrender ladder with market value adjustment — broadly filed across 44 jurisdictions with a $100,000 minimum to reach the headline band.
Best fit
Safety-first buyers with at least $100,000 to commit who want a known, contractually guaranteed interest rate for a defined number of years from a financially sound A- rated carrier, are comfortable leaving most of the premium alone for the chosen guarantee period inside a 10-year surrender ladder, and value the contract's built-in annual free-withdrawal allowance for routine liquidity.
AM Best
A- Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
44 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Multiple guarantee-period lengths are offered (3, 5, 7, and 10 years), letting buyers match the rate-lock to the horizon they actually want rather than being forced into a single term — and the rate-by-term table on this page shows the trade-off directly.
- A 10% annual free-withdrawal allowance is built in, giving the contract meaningful penalty-free liquidity each contract year while the rate is in force without paying for an optional liquidity rider.
- Two surrender-charge waivers are included at no extra cost — nursing home and terminal illness — giving the contract two defined hardship escape valves without paying for an optional rider.
- Both qualified and non-qualified money are accepted, and the contract supports single and joint ownership as well as single and joint annuitants — so a buyer with a non-standard funding source or ownership structure does not need a different filing.
What to confirm
- The headline rate requires a $100,000+ premium. Buyers funding the contract below that band receive a lower declared rate on the same product (the gap is largest on the 5-year term) — confirm which premium tier your deposit falls into before treating any quoted headline as your rate.
- 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.
- Surrender period runs the full 10 years regardless of which guarantee-period length is chosen — a 3-year or 5-year buyer is still inside a 10-year surrender ladder after the rate-lock expires, so plan for the schedule, not just the term.
- This is a fixed declared-rate contract: no upside participation in any market index, no built-in lifetime-income mechanism, no income rider available, and the death benefit is the contract's cash value with no rollup or step-up. Buyers looking for market-linked growth, guaranteed lifetime income, or an enhanced death benefit should not treat this product as that vehicle.
Not ideal for
Buyers funding below the $100,000 premium band (who will receive a lower declared rate on the same contract), buyers who want a guarantee-period length without a 10-year surrender schedule sitting underneath it, buyers who want exposure to a market index, buyers seeking guaranteed lifetime income, buyers prioritizing an enhanced or stepped-up death benefit, and buyers in one of the states where this filing is not offered.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 5% |
| 3-Year | 5.25% |
| 5-Year | 5.55% |
| 7-Year | 5.25% |
| 10-Year | 5.25% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard 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
9.2%
Yr 2
8.3%
Yr 3
7.4%
Yr 4
6.5%
Yr 5
5.6%
Yr 6
4.7%
Yr 7
3.8%
Yr 8
2.8%
Yr 9
1.9%
Yr 10
0.9%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a personalized Incline MYGA illustration
See year-by-year projections for your specific age, premium, and income goals.