Multi-year Guarantee Annuity
Royal Neighbors of America
5.65%
10-yr guarantee
10%
Free W/D
43
Available states
Product analyzer
Run live numbers for Multi-year Guarantee Annuity
Current guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Royal Neighbors of America product.
Live product data
Rates as of July 16, 2026, from AdvisorWorld and CANNEX.
10-year guaranteed rate
5.65% guaranteed for 10 years
A multi-term fixed annuity from A-rated Royal Neighbors with choices through ten years, annual access, an emergency rider, and an MVA.
Best fit
Eligible Royal Neighbors buyers who want several guaranteed-rate horizons and can match the chosen term to money they will not need early.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
43 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Short, middle, and long guarantee-period choices let members align the rate lock with a defined planning horizon.
- Annual free withdrawals are supplemented by the Member Emergency Access Rider shown in the live product data.
What to confirm
- The longest term carries a matching long surrender schedule and applicable early exits can face a market value adjustment.
- The live quotes are premium-qualified and the product is not filed in every jurisdiction; confirm the applicable band and state before comparing.
Not ideal for
Buyers who need nationwide availability, broad early liquidity, or a contract without MVA exposure.
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Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.95% |
| 5-Year | 5.5% |
| 9-Year | 5.25% |
| 10-Year | 5.65% |
Key Features
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%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Carrier Ratings
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