Waypoint MYGA
Axonic Insurance Services (AIS)
5.7%
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
5.7% guaranteed for 5 years
A multi-year guaranteed annuity from an A- rated carrier offering 3-, 5-, 7-, and 10-year guarantee periods with premium-banded rates, a 10-year year-by-year-declining surrender ladder, an MVA, a 10% annual free-withdrawal allowance, and standard nursing-home and terminal-illness waivers — filed in 44 of 51 jurisdictions, with a $100,000 minimum premium for the headline-tier rate.
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a defined number of years from a financially sound carrier, can match the contract term length to a specific planning horizon among the published 3-, 5-, 7-, or 10-year guarantee periods, and have $100,000 or more to place — the premium band where the carrier's headline tier rate applies. The declining-each-year surrender ladder also suits buyers who want their exit cost falling steadily over the life of the contract.
AM Best
A- Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Multiple guarantee-period lengths are filed under the same product, so a buyer can match the rate-lock to a specific planning horizon rather than being forced into a single fixed length. The rate-by-term table on this page shows the 3-, 5-, 7-, and 10-year guaranteed rates side-by-side so the term/yield trade-off is visible before purchase.
- Premium-banded pricing rewards larger contributions — every term carries a separate higher-rate band once the contract value reaches $100,000, and both bands are filed in the carrier's rate sheet so a buyer can confirm with the carrier which band their planned deposit falls into before purchase.
- The surrender ladder declines steadily each year for the full 10-year period rather than holding flat, so a buyer's effective exit cost falls every year of the contract — material if circumstances change later in the term.
- Standard nursing-home and terminal-illness waivers are built in, giving the contract baseline liquidity escape valves for defined hardships without paying for an optional rider.
What to confirm
- A market value adjustment (MVA) applies on surrenders above the free-withdrawal allowance during the 10-year 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 scheduled surrender charge.
- Minimum premium for the headline-tier rate is $100,000. Buyers placing less than that receive a lower-band rate on the same contract; confirm which band the planned deposit falls into with the carrier before relying on any specific quoted rate.
- The death benefit on this contract is Cash Surrender Value — a beneficiary receives the account value net of any applicable surrender charge and market value adjustment, not a stepped-up or rollup-enhanced value. Buyers who specifically want an enhanced death benefit should look for a different filing.
- Carrier financial-strength visibility on this page is single-source: A.M. Best A- is shown, but Fitch, S&P, and Moody's ratings are not displayed for this carrier. Buyers who want multi-agency rating consensus before locking principal should confirm the other agencies' views with the carrier directly. The filing is also not available in Connecticut, Minnesota, New Jersey, New York, North Carolina, Rhode Island, or Wisconsin — residents of those states cannot buy this contract.
Not ideal for
Buyers placing less than $100,000 who want the headline-tier rate, buyers who need ongoing access to principal beyond the 10% annual free-withdrawal allowance, buyers who want exposure to a market index, buyers looking for guaranteed lifetime income, buyers who want a stepped-up or rollup-enhanced death benefit, or residents of Connecticut, Minnesota, New Jersey, New York, North Carolina, Rhode Island, or Wisconsin — the filing is not available in any of those jurisdictions.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 5% |
| 3-Year | 5.45% |
| 5-Year | 5.7% |
| 7-Year | 5.5% |
| 10-Year | 5.5% |
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
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