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What is a MYGA?
A Multi-Year Guaranteed Annuity is essentially a CD inside a tax-deferred wrapper. You lock in a guaranteed interest rate for a set term (typically 3-10 years), pay no tax on the growth until you withdraw, and avoid the 1099-INT every year on a regular CD. For California residents, this matters — the state takes another 9.3-13.3% on every dollar of interest.
See the CD-vs-MYGA tax calculator
Browse current carrier-by-carrier scorecards on the Annuity Reviews hub.
SPIAs (Single Premium Immediate Annuities)
Convert a lump sum into guaranteed lifetime income starting immediately. Often the best retirement-income tool when you need pension-like cash flow and a longevity hedge. SPIA payout rates change weekly across carriers — comparing 6+ at a time matters.
Fixed-Index Annuities (FIAs)
Principal protection with index-linked upside. Caps, participation rates, and rider fees vary enormously across carriers and products. Read Hans's free guide (PDF) for an honest plain-English breakdown of how the caps, par rates, and surrender schedules actually work — and what the brochure leaves out.
Full carrier-by-carrier FIA scorecards on Annuity Reviews.
Asset-Based Long-Term Care
Hybrid life/annuity products with LTC riders that fund nursing-home, in-home care, or assisted-living expenses on a tax-leveraged basis. See the LTC Reviews hub for OneAmerica Asset Care, Securian SecureCare, Nationwide CareMatters and the full comparison.
Related Tools & Reviews
- Annuity Reviews — 300+ products with real cap rates and surrender schedules
- Calculators — CD-vs-MYGA, SPIA payout, Roth conversion, IRMAA
- LTC Reviews — asset-based LTC hybrids
- Retirement Planning Hub
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