MULTI-YEAR GUARANTEED ANNUITIES

A fixed rate, a set term, and certainty your client can hold onto.

A MYGA pays a guaranteed interest rate for a defined number of years, grows tax-deferred, and protects principal. It is the cleanest CD alternative in the annuity world. Brokers Alliance shops the term across a deep carrier lineup so you can show the strongest available rate.

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01 · WHAT IT IS

A known rate for a known term

A multi-year guaranteed annuity locks in a fixed interest rate for the length of its term, with a surrender period that matches. There is nothing to track and nothing to index. The client knows the rate on day one and knows what the contract is worth at maturity. Terms commonly run from three to ten years, so the case fits both shorter parking of cash and longer accumulation goals.

Fixed, guaranteed rate for the full term Growth compounds tax-deferred Principal is guaranteed Yields often top bank CDs of the same length Terms of roughly 3 to 10 years

02 · WHY CLIENTS CHOOSE IT

Four guarantees in one contract

The MYGA solves for the conservative client who wants growth without exposure. Each guarantee stands on its own, and together they make the product simple to present.

RC Rate certainty

One fixed rate, credited for the entire term. No caps, no participation rates, no index to explain.

TD Tax deferral

Interest compounds without a yearly tax drag, so more of the balance stays at work until the client takes it out.

PP Principal protection

The contract value does not fall with the market. What goes in is guaranteed, plus the credited interest.

BP Beneficiary transfer

The contract passes to named beneficiaries at death and avoids probate, so the payout stays private and direct.

03 · MYGA vs FIA

Two products, two different jobs

Agents mix these up, so it helps to draw the line clearly for the client. Both are fixed annuities and both protect principal. The difference is how interest is credited.

MY The MYGA

Pays a fixed, guaranteed rate for a defined term. It solves for rate certainty. The client knows the number and it does not move.

FI The fixed indexed annuity

Ties interest to a market index with a floor and a cap, so the credited rate varies year to year. It solves for index-linked growth potential.

04 · WHO IT FITS

The right client, the right money

A MYGA fits the conservative client who wants a guaranteed rate, tax deferral, and principal protection. Very often it is money sitting in a low-yield bank product or a CD that is about to mature. The one qualifier: the client should be comfortable leaving the funds untouched for the length of the surrender term.

Maturing CDs looking for a stronger rate Idle cash in low-yield savings or money market Clients who value certainty over upside Funds that can stay parked for the full term

05 · HOW BROKERS ALLIANCE BACKS THE CASE

We shop the rate so you show the strongest term

Rates move often across the MYGA market. Brokers Alliance has been independently owned since 1982 and works with a deep lineup of MYGA carriers, so we compare the current term rates and put the strongest available option in front of your client. There is no cost to work with us on it.

$0 No fee to sell MYGAs

No contracting fee, no platform fee, no monthly cost. Brokers Alliance is compensated by the carriers, not by you.

CL A deep carrier lineup

We shop the term across a deep lineup of MYGA carriers and hand back the strongest current rate for the length you need.

MAC myAdvisor Cloud tools

Quote, illustrate, and run the sale in one place with the Brokers Alliance myAdvisor Cloud platform.

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