F&G Secure MYGA® MVA
F&G Annuities and Life
4.9%
5-yr guarantee
10%
Free W/D
51
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.9% guaranteed for 5 years
A multi-year guaranteed annuity from F&G Annuities & Life with 3-, 5-, and 7-year guarantee periods on a seven-year declining surrender ladder, a market-value-adjustment design that re-prices early-exit values against the prevailing interest-rate environment, nursing-home and terminal-illness surrender waivers, and three-agency financial-strength corroboration.
Best fit
Buyers who want a fixed declared rate locked in for a 3-, 5-, or 7-year window, value being able to pick the rate-lock horizon to match their planning window on a single F&G chassis, accept the MVA mechanic on early exits in exchange for the published headline rate, and want the carrier-credit profile corroborated by three rating agencies.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Market-value-adjustment design — surrender values beyond the annual free-withdrawal allowance are adjusted up or down based on the interest-rate environment at the time of withdrawal. When market rates have fallen since issue, the MVA can credit a positive adjustment on early exit; when rates have risen, the MVA reduces the surrender proceeds. This is the rate-environment-sensitive variant of the F&G Secure MYGA family and is engineered for buyers who want their early-exit value to reflect interest-rate movement.
- Three guarantee periods on a single filing — 3, 5, and 7 years — so a buyer can match the rate-lock horizon to their planning window without leaving the F&G Secure MYGA chassis or comparing across separate filings.
- Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is corroborated across multiple agencies rather than resting on a single-source read — especially relevant for a multi-year fixed-rate commitment.
- Two named surrender-charge waivers (nursing home, terminal illness) plus a published annual free-withdrawal allowance preserve named penalty-free exits from the seven-year surrender schedule for routine cash needs and the major-life-event categories the waivers cover.
What to confirm
- The market-value adjustment is a two-way mechanic — when prevailing interest rates have risen since the contract was issued, surrendering beyond the annual free-withdrawal allowance returns less than the contract's accumulated value, because the MVA reduces the payout to reflect the market re-pricing of the locked-in rate. Buyers who do not want this rate-environment exposure on early exit should look at the F&G Secure MYGA Non-MVA sibling on the same chassis.
- The seven-year surrender ladder applies to all three guarantee-period elections — a 3-year guarantee buyer is still inside the seven-year surrender schedule for years 4 through 7, with declining but still meaningful surrender charges. The guarantee period and the surrender period are not the same thing; read the contract documents before assuming the surrender schedule matches the rate-lock window.
- No premium bonus is credited at issue and the death benefit is the standard contract value with no guaranteed roll-up — this contract is built for rate certainty over a fixed multi-year window, not for legacy enhancement or an upfront bonus.
- Like any MYGA, this contract is not a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached, and the page should not be compared side-by-side with an income FIA or a SPIA — a MYGA is a fixed-rate deferred contract, full stop.
Not ideal for
Buyers who don't want any rate-environment exposure on early exit (look at F&G Secure MYGA Non-MVA), want a return-of-premium guarantee on early surrender (look at F&G Secure MYGA ROP), require an A.M. Best A+ or stronger carrier rating, want lifetime-income guarantees, or want a premium bonus or a death-benefit roll-up beyond the standard contract value.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.5% |
| 5-Year | 4.9% |
| 7-Year | 4.95% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Activities of daily living, Nursing 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%
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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