Select Choice
S.USA Life Insurance Company, Inc.
5.15%
7-yr guarantee
10%
Free W/D
46
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
5.15% guaranteed for 7 years
A multi-year guaranteed annuity from S.USA Life Insurance Company (A.M. Best A-) offering flat declared rates at 3-, 5-, and 7-year terms with a 7-year declining surrender ladder, premium-band-tiered rates that reward larger deposits, and an RMD-only surrender-charge waiver — available in 46 jurisdictions.
Best fit
Buyers in the 46 listed jurisdictions who want a flat, contractually guaranteed rate locked in for 3, 5, or 7 years, can plan around a 7-year surrender ladder, and place enough deposit to earn the higher tiered rate band.
AM Best
A- Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
46 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee-period choices (3, 5, and 7 years) are filed under the same product, so a buyer can match the term length to a defined planning horizon and the rate-by-term table on this page shows the term-versus-yield trade-off directly. The 7-year term carries the highest declared rate, and the surrender ladder is built around the same 7-year window.
- Surrender schedule is a 7-year declining ladder that ends in the same year the lead-term guarantee period ends, so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
- Rates are tiered by premium band — the live feed publishes separate rate ladders for smaller deposits and larger deposits. Larger deposits earn measurably higher declared rates at every term, so the contract rewards committed capital.
- Backed by S.USA Life Insurance Company at A.M. Best A- (Excellent) — published on the page rather than left unstated.
What to confirm
- This filing is state-restricted — the live feed lists 46 jurisdictions and the contract is not available everywhere. Buyers outside the listed jurisdictions cannot purchase this product and need a different MYGA from this carrier or another carrier. Confirm state of issue before relying on this contract in a plan.
- Posted guaranteed rates on this page assume a specific premium and issue-age scenario; the underlying rate schedule shows multiple rate tiers per term, so deposits in lower premium bands earn lower guaranteed rates than the headline. Verify the rate for the actual deposit size with the carrier before signing.
- Surrender liquidity is thin — the live feed shows only an RMD surrender-charge waiver on this filing. There is no nursing-home or terminal-illness waiver, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost across the 7-year ladder.
- Carrier financial strength is rated A- by A.M. Best — solid but a notch below the A / A+ ratings several larger MYGA carriers carry. Buyers who prioritize the highest-tier financial strength view should weigh that against the rate on offer.
Not ideal for
Buyers outside the 46 listed jurisdictions, buyers who need nursing-home or terminal-illness surrender waivers, who want a 10-year fixed-rate horizon, who need a stepped-up or rollup-enhanced death benefit, who expect a guaranteed-lifetime-withdrawal rider, or who want market-linked upside through index crediting — a multi-year guaranteed annuity is not designed to deliver any of those.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.65% |
| 5-Year | 4.95% |
| 7-Year | 5.15% |
Key Features
Surrender waivers
1RMD waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
RMD waiver, Surrender waivers
Carrier Ratings
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