Sagicor Milestone Max MYGA 3-Year Review (2026)
Quick take: Sagicor Milestone Max 3-year at ~4.80% APY — an A-rated 3-year MYGA with established Caribbean/Americas carrier backing. Mid-pack on yield among A-rated 3-year alternatives.
TL;DR — Sagicor Milestone Max 3-Year
- 3-year rate: ~4.80% APY (June 2026)
- AM Best: A- (Excellent), Stable outlook
- Surrender period: 3 years declining
- Vs 5-year sibling: -40 bps (Milestone Max 5 at ~5.20%)
- Best for: A-rated 3-year MYGA buyers wanting established carrier
- Verdict: Clean A- short-duration option; competitive but not top-of-market.
Live Rate Snapshot — June 2026
| Term | APY |
|---|---|
| 3-year | ~4.80% |
| 5-year | ~5.20% |
| 7-year | ~5.40% |
| 10-year | ~5.50% |
Rates per AnnuityRateWatch synthesis (Annuity.org, AnnuityAdvantage, June 2026).
Term-specific mechanics — 3-year contract
Surrender schedule (3-year)
| Year | Surrender Charge |
|---|---|
| 1 | 9% |
| 2 | 8% |
| 3 | 7% |
| 4+ | 0% |
Free withdrawal
10% per contract year after year 1. RMDs penalty-free.
MVA
Two-way MVA above the 10% free band.
Minimum guaranteed rate
Typical 1.00–3.00% for Sagicor MYGAs.
Why the 3-year version vs other Milestone Max terms
- 3-year vs 5-year: -40 bps. Modest premium for the extra 2 years.
- 3-year vs 7-year: -60 bps. Reasonable spread for 4 extra years of lock.
- 3-year vs 10-year: -70 bps. The 10-year offers the highest yield in the family.
- Pick the 3-year if: you want A-rated quality with the shortest lock.
What we like
- A- AM Best rating. Solid Excellent tier.
- Short 3-year lock. Max optionality.
- Established carrier. Sagicor has long Caribbean/Americas insurance history.
- Standard MYGA mechanics. No riders, no benefit base.
- 10% free withdrawal. Standard liquidity.
What we don't
- 4.80% is below A-rated 3-year peers. Aspida ~5.40%, Oceanview ~5.30%, AmFirst Waypoint ~5.20%. Sagicor is at the bottom of the A-rated 3-year pack.
- 40 bps yield sacrifice vs 5-year sibling. The Milestone Max 5 at ~5.20% is a clear step up.
- Limited renewal-rate disclosure.
Who this 3-year version is best for
Persona: Buyer placing $25K–$100K who wants A- credit, shortest lock, and specifically wants Sagicor as carrier. Often: existing Sagicor relationship, broker recommendation.
Not a fit: Yield-focused buyers (Aspida 3-year at ~5.40% wins). Buyers who can hold 5 years (the 5-year sibling pays 40 bps more).
vs other Milestone Max terms (sibling pages)
- Sagicor Milestone Max 5-Year — ~5.20%
- Sagicor Milestone Max 7-Year — ~5.40%
vs competitor 3-year MYGAs
| Product | AM Best | 3-yr APY | Notes |
|---|---|---|---|
| Sagicor Milestone Max 3 | A- | ~4.80% | This product |
| Aspida Synergy Choice 3 | A- | ~5.40% | A- yield leader |
| Oceanview Harbourview 3 | A- | ~5.30% | Established A- |
| AmFirst Axonic Waypoint 3 | A- | ~5.20% | IAMS channel A- |
| Ohio State Life Nex MYGA 3 | B+ | ~5.75% | Weaker credit, higher yield |
Scoring frameworks
DBQS
Full accumulation at death. DBQS: 8/10.
IQS
No income rider. IQS: 3/10.
GPS
Below-mid 3-year A-rated yield. GPS: 5/10.
Goldstein Complexity Index
A core part of every Goldstein review. The more complex an annuity, the worse the rating in this dimension — because complexity is where buyers get burned. Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.
This product's score: 28/100 — Grade A (Simple)
Pure-vanilla MYGA. Simple mechanics. Low mis-selling risk.
Score breakdown
| Dimension | Score | What this measures |
|---|---|---|
| Riders | 1/10 | No optional riders. |
| Crediting strategies | 1/10 | Single fixed rate. |
| Surrender complexity | 3/10 | Standard 3-year declining + MVA. |
| Benefit-base separation | 1/10 | Single accumulation value. |
| Carrier profile | 3/10 | Established A- carrier with long history; clean profile. |
How to read this
- A+/A (0–40): You can understand what you bought. Low risk of mis-selling.
- B (41–60): Read the contract carefully and get a second-opinion review before signing.
- C (61–80): Many buyers don't fully understand what they own.
- D (81–100): Demands an independent producer second opinion before signing.
Frequently Asked Questions
Sources cited in this review
- AnnuityRateWatch broker-channel synthesis, June 2026
- Annuity.org MYGA leaderboards
- AnnuityAdvantage rate listings
- Sagicor Life USA
- NOLHGA state guaranty coverage
Related Goldstein research
- Sibling: Milestone Max 5-Year
- Sibling: Milestone Max 7-Year
- Why 5-to-7 Year MYGA Is Best
- Best MYGA Rates 2026
- Renewal Rate Integrity
- DBQS Framework
Bottom line
The Sagicor Milestone Max 3-year at ~4.80% is a clean A-rated short-duration MYGA but mid-to-low on yield within the A-rated 3-year pack. Buyers who want max yield should look at Aspida 3-year at ~5.40%. Buyers who can hold longer should look at the 5-year Milestone Max sibling at ~5.20%. The 3-year Milestone Max is the right pick if you specifically want Sagicor as carrier and 3-year duration.
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Disclosure
This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, and crediting methods change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity. Past index performance does not predict future credited interest. Annuities are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change.