HH-HW-02-A // Guaranteed Yield

Multi-Year Guaranteed Annuities (MYGA)

The institutional replacement for bank certificates of deposit. Lock in fixed contractual yields with zero exposure to equity market volatility.

The CD vs. MYGA Differential

Bank CDs trigger annual IRS Form 1099 taxable events on credited interest, regardless of whether you withdraw the cash.

A MYGA compounds 100% tax-deferred. Your interest stays inside the contract, compounding on triple-growth dynamics: interest on principal, interest on interest, and interest on tax savings.

*Bank CDs are FDIC-insured up to statutory limits. Annuities are not bank deposits or FDIC-insured; they are backed by the financial strength of the issuing insurer. Withdrawals of earnings prior to age 59½ may be subject to a 10% IRS tax penalty.

Contractual Mechanics

  • ■ Guaranteed Term: Fixed durations typically structured for 3, 5, or 7 years.
  • ■ Guaranteed Return of Principal: 100% contractual guarantee backed by carrier reserves.
  • ■ Penalty-Free Liquidity: Most contracts permit annual penalty-free withdrawals (typically up to 10%).

Compare Active MYGA Yields

Our desk models top carrier yields nationwide in real-time.