Eagle Guarantee Focus Series
Eagle Life Insurance Company
4.3%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.3% guaranteed for 5 years
A multi-year guaranteed annuity from Eagle Life (American Equity subsidiary, A-rated by A.M. Best and S&P) publishing three guarantee periods (3, 5, and 7 years) under a single filing, with an annual free-withdrawal allowance, nursing-home and terminal-illness waivers, and qualified-or-non-qualified funding across the carrier's filed jurisdictions (excluding New York).
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a defined term and who value being able to pick between three guarantee periods (3, 5, or 7 years) on the same A-rated carrier, with a published per-year free-withdrawal allowance and named life-event waivers as built-in liquidity inside an otherwise fully-committed term.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee periods offered on a single filing — 3-year, 5-year, and 7-year — so a buyer can ladder rate-lock horizons inside the same product family rather than picking only one term. The longer term posts a higher absolute rate than the shorter terms, but the buyer can match the term to their actual planning horizon rather than chasing the top rate at the wrong duration.
- Annual free-withdrawal allowance plus two named surrender-charge waivers (nursing-home and terminal-illness) — that's penalty-free liquidity inside the guarantee period from both a published annual amount and two specific life-event waivers, all visible on the page rather than gated behind a brochure.
- Both qualified and non-qualified funding are supported under the same filing, with single and joint annuitization options at the end of the term, so a buyer does not need a different contract to hold IRA money versus after-tax money or to elect a joint-life payout structure later.
- Carrier financial strength is rated by two independent agencies (A.M. Best A and S&P A), so the strength view backing the principal-guarantee promise is not single-sourced; Eagle Life is the American Equity Investment Life subsidiary, and the filing covers fifty jurisdictions (excluding New York).
What to confirm
- The surrender ladder runs the longest available term on this filing — the same length as the longest available guarantee period. A buyer who chooses a shorter guarantee period and then wants to walk away at the end of that term may still face surrender charges from the longer ladder, depending on contract terms; the surrender window is not automatically scoped to the chosen guarantee period. Confirm the surrender treatment at the end of each guarantee period before assuming the shorter terms exit clean.
- Filing is not available in New York — the state list excludes NY. Buyers in New York need a different MYGA filing. The jurisdiction footprint elsewhere (including California, where many short-surrender MYGAs are restricted) is otherwise broad.
- The entire value proposition is the declared guaranteed rate for the chosen term — there is no premium bonus, no return-of-premium feature, and the death benefit is the standard contract value (subject to applicable surrender treatment). A beneficiary receives the account value rather than a stepped-up or rollup-enhanced value. Buyers who specifically want an enhanced death benefit or a bonus should look at a different filing.
- Despite the 'Guarantee Focus' product name (which can read like income-product language to a casual reader), this contract does NOT carry a guaranteed-lifetime-withdrawal rider — the live feed's income-rider list is empty. Buyers who specifically need a contractually published GLWB withdrawal rate should look at Eagle's own rider-led FIAs (Eagle Select Income Focus filings) or a SPIA/DIA, not this MYGA.
Not ideal for
Buyers who want a guaranteed-lifetime-withdrawal income rider (this is a fixed-rate MYGA — Eagle Select Income Focus is the rider-led sibling carrier-side), need a guarantee period shorter than three years or longer than seven years, expect a premium bonus or a return-of-premium feature, want a stepped-up or rollup-enhanced death benefit, or live in New York.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.05% |
| 5-Year | 4.3% |
| 7-Year | 4.9% |
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
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
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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