SecureFore
Global Atlantic Financial Group
5.2%
7-yr guarantee
10%
Free W/D
California
Only state
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
5.2% guaranteed for 7 years
A California-only multi-year guaranteed annuity from Global Atlantic at an A.M. Best A rating, offering flat declared rates at 3-, 5-, and 7-year terms with premium-band pricing, an annual free-withdrawal allowance, and nursing-home and terminal-illness waivers.
Best fit
California buyers who want a flat, contractually guaranteed rate locked in for a chosen 3-, 5-, or 7-year term with a published free-withdrawal allowance and premium-band rate uplift on larger deposits, from an A-rated carrier with multi-agency financial-strength coverage.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
California only
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates at multiple terms (3, 5, and 7 years), so a buyer can match the lock-in window to a real planning horizon instead of being forced into a single carrier-preferred term.
- Annual free-withdrawal allowance runs alongside the surrender schedule, plus nursing-home and terminal-illness charge waivers — penalty-free liquidity rules are visible on this page, not gated behind a brochure.
- Carrier financial-strength is corroborated across three independent agencies (A.M. Best, S&P, and Moody's) rather than a single-source rating read before locking principal for multiple years.
- Premium-band pricing publishes a higher guaranteed rate for larger deposits within each term, so buyers in the higher band see the rate uplift on this page rather than discovering it in a separate carrier quote.
What to confirm
- SecureFore is filed for sale in California only on the live feed today — buyers outside California are not eligible on this filing. Confirm state residency and the specific state filing before assuming the contract is available locally.
- Surrender charges run a multi-year declining ladder, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost — this is a multi-year commitment, not a short-term cash equivalent.
- Posted guaranteed rates assume a specific premium band; deposits in lower or higher bands earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size and the chosen term.
- The death benefit is the standard contract value (no roll-up or step-up) and there is no premium bonus and no guaranteed-lifetime-withdrawal rider on this filing — this contract is built for rate certainty within California across a chosen 3-, 5-, or 7-year window, not for legacy enhancement, an upfront bonus, or lifetime income.
Not ideal for
Buyers outside California (this filing is CA-only on the live feed), buyers who need short-window liquidity, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a MYGA is a fixed-rate deferred contract, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.3% |
| 5-Year | 5.1% |
| 7-Year | 5.2% |
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
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
Free Comparison Report
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