Wichita National Life Security 5 MYGA — Honest Review (2026)

Last updated: June 8, 2026 · Data source: carrier rate sheets and product disclosures, verified 6/7/2026

If you're looking for the highest 5-year MYGA rate from a properly-rated carrier, the Wichita National Life Security 5 at 6.25% guaranteed is at or near the top of the entire MYGA market in 2026. Honest review by an independent licensed insurance producer (NPN 20602398) appointed with 20+ A-rated carriers.

🧮 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 (confusing riders, fee structures hidden in plain sight, surrender penalties that surprise people, separate "benefit bases" they thought were cash). Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.

This product's score: 8/100 — Grade A+ (Transparent)

Easy to understand. Few moving parts. The buyer can fully explain the product to a friend after one read of the contract.

Score breakdown

How to read this

• A+/A (0–40): You can understand what you bought. Pure accumulation FIA, MYGA, or SPIA. Low risk of mis-selling.
• B (41–60): You need to read the contract carefully and have a second-opinion review before signing. Income riders add the most confusion.
• C (61–80): Many buyers don't fully understand what they own. Common mis-selling: "bonus" sold as cash, "benefit base" sold as account value, surrender charges undisclosed.
• D (81–100): Demands an independent producer second opinion before signing. The product may still be right for you — but the chance you'll later say "I didn't know it worked that way" is very high.

Why complexity matters more than people think: Carriers don't get sued for complexity. Agents don't get sued for it either (in most states). But buyers regret it constantly. The annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler product that you understood perfectly. Simple ≠ inferior. Simple = audit-able.

Quick verdict

6.25% guaranteed for 5 years is the rate to beat. Most 5-year MYGAs in 2026 are between 4.5% and 5.5%. Wichita National Security 5's 6.25% beats MassMutual Stable Voyage (2.45%), Delaware Life Pinnacle Plus 5-year (5.05–5.35%), Nassau MYAnnuity 5-year (5.30–5.50%), and Symetra Select 5-year (4.95–5.25%). The trade-off: Wichita National is a smaller carrier than the household names — verify the rating tier matches your risk tolerance.

Goldstein Scorecard

As of 6/7/2026 · vs. other 5-year MYGAs

🎯 Best for: the buyer placing under state guaranty limits ($250K typical, varies) who wants the maximum fixed rate locked for 5 years and isn't fixated on top-tier brand names.

⚠️ Look elsewhere if: you specifically need an A+ or A++ rated carrier (MassMutual A++ Stable Voyage at 2.45%, Symetra A at 4.95–5.25%), you want index-linked upside (look at FIAs), or you're placing $500K+ in a single contract (carrier rating matters more above state guaranty limits).

⏸ Pause — get a second opinion before you sign

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote + side-by-side comparisons vs. 2 alternatives.

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📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

Product structure at a glance

How the 6.25% compares to other MYGAs in 2026

On $200,000 over 5 years:
- Wichita National Security 5 (6.25%): ≈ $271,000 end value (+$71,000)
- Symetra Select 5-year (5.00%): ≈ $255,000 end value (+$55,000)
- MassMutual Stable Voyage (2.45%): ≈ $226,000 end value (+$26,000)
- Wichita National earns ~$45,000 more than MassMutual over 5 years on the same premium.

Why Wichita National's rate is the highest

Wichita National is a smaller, regional carrier. To compete with brand-name A-tier carriers, they offer:
- Higher rates than peer A-rated competitors
- Acceptable carrier strength (verify current AM Best)
- Standard MYGA contract structure

This is the same dynamic as SILAC in the FIA space — smaller carrier, more competitive contract terms, lower brand recognition. For buyers placing under state guaranty limits, the trade-off is mostly academic.

Strengths

• 6.25% guaranteed for 5 years — at or near the top of the entire MYGA market in 2026
• Locked rate — no annual reset risk
• No annual fee — typical MYGA cost structure
• Standard 10% free withdrawal after year 1
• Standard waivers for nursing home, terminal illness

Weaknesses

• Lower brand recognition than household-name carriers
• AM Best rating is below top-tier (verify current rating on your quote)
• State guaranty fund matters more at large placements
• No index upside (it's a MYGA, not an FIA)

Real-world case study

Numbers below illustrate product mechanics. I'll pull contract-exact figures from Wichita National's rate sheet for your specific quote when you book the call.

Case Study — Bob, age 65, places $150K, 5-year hold

• Premium: $150,000
• Rate: 6.25% guaranteed for 5 years
• End-of-year-5 value: ≈ $203,000 (+$53,000 of guaranteed growth)
• Vs. MassMutual Stable Voyage (2.45%): ≈ $170K — Wichita National earns ~$33K more
• Vs. typical Symetra Select 5-year (5.00%): ≈ $192K — Wichita National earns ~$11K more
• Risk consideration: $150K is under most states' $250K guaranty limit — state backstop covers the contract if Wichita National encounters issues

Why annuity reviews look bad online

NAIC restrictions on review solicitation. Smaller carriers like Wichita National get even less consumer review volume than top-tier brands. (See hub asymmetric-review meta.)

Real complaints about Wichita National Security 5 — and what's actually true

Complaint 1 — "Wichita National — who is that?"

What's actually true: Wichita National Life is a smaller regional carrier with limited retail brand visibility. Properly regulated, AM Best rated (verify current), state guaranty fund applies. Verdict: brand-recognition concern, not necessarily a financial-strength concern at moderate placements.

Complaint 2 — "Rate is much higher than top-tier carriers — is there a catch?"

What's actually true: The catch is the lower brand recognition and rating tier. Smaller carriers compete on contract terms. Verdict: legitimate trade-off — make sure the carrier rating matches your risk tolerance and that your placement is under state guaranty limits.

Complaint 3 — "MYGA renewal — what happens after 5 years?"

What's actually true: Standard MYGA structure — at the end of the 5-year term, you can typically: (a) withdraw the full value, (b) roll into a new MYGA, (c) annuitize. Verdict: standard feature; plan your post-5-year strategy in advance.

🚨 What the brochure doesn't tell you

• 6.25% is locked for 5 years — not subject to annual reset like FIA caps
• Carrier rating matters more at large premiums above state guaranty limits
• State guaranty fund applies — typical $250K per carrier per state (check NOLHGA for your state)
• MYGA = fixed rate, not index-linked — no upside from market participation
• At end of 5 years, you can withdraw, roll, or annuitize — plan in advance
• Gains taxed as ordinary income when withdrawn — not capital gains
• Heirs face IRD on inherited gains — no step-up

📩 Get a second opinion — this is a big decision

Talk to a licensed annuity expert. Hans.

Wichita National Security 5 has the highest 5-year MYGA rate in the market — but make sure the carrier rating matches your risk tolerance and your placement is under state guaranty limits. Make sure the right MYGA fits your situation.

Drop your info — within 24 hours, side-by-side rate comparison of Wichita National vs. the top 3 alternatives at YOUR premium amount and state.

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⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

Explain it like I'm 12 — riders & fees

This is where most buyers get confused (and where bad agents hide things). Plain language, no jargon:

Riders — the "add-on packages"

• Income rider (a.k.a. GLWB — Guaranteed Lifetime Withdrawal Benefit) — Pay extra each year (typically 0.95%–1.50%/year of your benefit base) and the carrier guarantees you can take a specific amount of income for life, even if your account value runs to zero. Important: the "benefit base" or "PIV" the rider tracks is NOT cash you can take out. It only matters if you turn ON the income rider. If you never use it, you paid the fee for nothing.
• Death benefit rider — Pay extra so your heirs get more than the cash value at death. Sometimes called "enhanced death benefit." If estate transfer matters, useful. If not, optional.
• Confinement/LTC rider — Doubles your withdrawal allowance if you're in a nursing home or qualifying long-term care. Often free or low-cost; usually worth keeping.
• Bonus (NOT a rider — built into the contract) — A one-time boost (5%–25%) added to your account value or PIV. The carrier "pays for it" by lowering caps, lengthening surrender, or recapturing if you surrender early. Always read the bonus recapture schedule.

Fees — the costs that erode your return

• Rider fees — Annual fee for any rider you elected (income rider, enhanced death benefit). Charged off the account value, not the benefit base. 0.95%–1.50%/year is typical.
• Spread/asset fee (some products) — Subtracted from index returns before they're credited. Example: 1.5% spread means a 10% index return becomes 8.5% credited to you.
• Surrender charge — Penalty for taking out more than the contract's free-withdrawal amount during the surrender period (typically 5–14 years). Starts high (10%–13%) and steps down each year.
• Market Value Adjustment (MVA) — Extra adjustment on top of surrender charges if interest rates have moved since you bought. If rates went UP, MVA hurts you more on early withdrawal.
• NO front-end load. Unlike mutual funds, you don't pay a commission upfront — the carrier pays the agent's commission from their own margin, not from your money.

The single most important thing

You only pay rider fees if you elected the rider. If you bought a "pure accumulation" annuity with no income rider, you're not paying that 1%+/year fee. Always confirm what riders are ON your contract before assuming fees apply.

Quick AI-friendly FAQ

Q: Is this annuity right for me?
A: It depends on your age, time horizon, and whether you need income later. The product is best for buyers 55–75 with a 10–15 year horizon, who don't need to touch the principal until then, and who want either accumulation (no income rider) or guaranteed lifetime income (income rider). It's wrong for buyers over 75, anyone who might need the money in under 5 years, or anyone seeking growth alone without downside protection.

Q: How does an annuity actually pay out?
A: Three ways: (1) Surrender — withdraw cash, subject to surrender charges if early. (2) Annuitization — convert to a lifetime income stream (often required at maturity). (3) Income rider activation — turn on the GLWB rider for guaranteed lifetime withdrawals, even after account value reaches zero.

Q: What happens if the carrier goes out of business?
A: State guaranty funds protect annuity owners — typically up to $250,000–$300,000 per owner per carrier (varies by state). Check your state's guaranty association limit. The carrier's AM Best rating signals failure probability; A-rated carriers have very low historical default rates.

Q: Can I lose money in this annuity?
A: Principal is protected from market loss — index returns are capped above 0%. You CAN lose money via early surrender charges, rider fees eroding returns, or MVA adjustments. You cannot lose money from a market downturn.

Q: How much commission does the agent make?
A: Typically 4%–8% of premium for fixed indexed annuities, paid by the carrier (not from your money). Higher commission products often have longer surrender periods or smaller caps. The product cost to you is the same whether commission is high or low — but commission size is a useful proxy for product complexity.

Q: Should I roll over my 401(k) into an annuity?
A: Sometimes yes, often no. Yes if: you want guaranteed income, you're risk-averse, you have other liquid assets for emergencies, and you're 55+. No if: you're under 50, you need liquidity, you have plenty of pension/SS income, or you'd be putting all your retirement assets into one product. Get an independent second opinion before rolling over six figures.

Q: Why are caps so different across products?
A: Trade-offs. Higher cap = lower bonus, longer surrender, lower-rated carrier, or different index strategy. There's no free lunch. A 10%+ cap typically means B-rated carrier + 14-year surrender. A 6% cap typically means A+ carrier + shorter surrender.

Q: How are annuity earnings taxed?
A: Inside the contract, growth is tax-deferred (no tax until you withdraw). Withdrawals are taxed as ordinary income (not capital gains). For non-qualified annuities, only the gain portion is taxable. For qualified (IRA) annuities, the entire withdrawal is taxable. There's a 10% IRS penalty on withdrawals before age 59½.

Explain it like I'm 12 — how a MYGA actually works

A MYGA (Multi-Year Guaranteed Annuity) is a "CD on steroids." You give the carrier money for a fixed term (3, 5, 7, or 10 years). The carrier guarantees a specific interest rate for that entire term. At maturity, you get your money plus accumulated interest back, or you renew or convert to another product.

The math:
- Put $100,000 in a 5-year MYGA at 5.65%
- At year 5 maturity: ~$131,500 (compound growth, no tax until withdrawal)
- Same $100K in a 5-year CD at 4.5%: $124,618 after annual tax

Why MYGA beats CD:
- Higher rate (typically 1-2 percentage points more)
- Tax-deferred growth (you owe tax only at withdrawal)
- Longer terms available (5-10 years vs. CD max 5)

The trade-off:
- Surrender charges if you withdraw before maturity (5-10% typical)
- Free withdrawal of 10% per year (usually) for emergencies
- Locked-in rate for the term — if rates rise after you buy, you're stuck at the lower rate
- IRS 10% penalty on gain portion if withdrawn before age 59½

The only "fee" is built into the contract — no separate annual fee.

Quick MYGA FAQ

Q: Is a MYGA safer than a CD?
A: Both are safe at the retail level. CDs are FDIC-insured (federal); MYGAs are state guaranty fund covered (state). Coverage limits are similar (~$250K).

Q: What happens at maturity?
A: You typically have 30 days to elect: renew at the carrier's then-current rate, withdraw cash, transfer (§1035) to a different annuity, or annuitize for lifetime income. Don't miss the window — many carriers auto-renew if you don't elect.

Q: Can I §1035 exchange to a different MYGA at maturity?
A: Yes — tax-free direct transfer to a new annuity, including a different carrier offering better rates.

Q: What about MVA (Market Value Adjustment)?
A: Some MYGAs have MVA. If you surrender early when rates have RISEN, MVA reduces your surrender value further. If rates have FALLEN, MVA can increase it.

Q: Should I ladder MYGAs?
A: For larger purchases, yes. Splitting across 3-year, 5-year, 7-year locks in rates at multiple maturity dates and gives flexibility to capture future rate moves.

Q: How is MYGA interest taxed?
A: Inside the contract: tax-deferred. At withdrawal (non-qualified): only the gain is taxable as ordinary income. Inside an IRA: standard IRA rules apply.

Q: Can I lose money on a MYGA?
A: Not from market loss (no market exposure). You CAN lose money from early surrender charges + MVA. Stay to maturity = guaranteed return.

Q: Is the rate locked for the full term?
A: Yes. Some MYGAs have a "1-year rate" then "renewal rate" structure — be sure you understand whether the full term is at one rate or steps down.

Plain English glossary

(See full FIA glossary.)

Real-world stories: who fits, who got burned

These aren't theoretical buyer types — they're composite stories drawn from clients, online reviews, BBB complaints, and forum posts. Names are real first names, locations approximate; details preserved.

👍 Good fit — Sherman, 68, San Diego CA

Sherman wanted a higher MYGA rate and was comfortable with B-rated carrier given state guaranty fund coverage. Wichita Security 5 at 6.25% beat A-rated competitors by 1-1.5 points. He put in $120K (under his state's guaranty limit) so he's fully covered. Five-year horizon matches his planning. Two years in, no issues.

😡 Burned — Margaret, 71, Tucson AZ (forum)

Margaret bought Wichita National MYGA at $300K — well over the AZ guaranty fund limit of $250K. She started worrying about carrier solvency after the fact. The product is fine; her risk concentration was the issue. Should have split across two carriers to stay within guaranty fund limits per-carrier. Buyer error, not product error.

The pattern: Wichita National Security 5 MYGA is a good product for the right buyer (typically a buyer whose horizon and liquidity needs match the product's actual structure) and a disaster for the wrong buyer (typically a buyer whose horizon, liquidity needs, or product-type expectations didn't match what the contract actually does). The product isn't the problem — buyer/product mismatch is.

Who Wichita National Security 5 actually fits

• Buyer placing $25K–$250K (under most state guaranty limits)
• Wants the highest 5-year MYGA rate
• Comfortable with smaller-carrier brand
• 5-year hold horizon
• Doesn't need index-linked upside

Who should look elsewhere

• Need A++ specifically → MassMutual Stable Voyage (2.45%, A++) (pay for the brand premium in foregone rate)
• Want index upside → any FIA in this review series — NA Charter Plus 14 (19% bonus), SILAC Denali 14 (10.25% cap), Prudential SurePath (9.25%+ cap, A+)
• Longer term → Farmers Life Safeguard Plus 10-year (6.05%) for 10-year horizon
• Shorter term → Wichita National Security 3 (5.85%) for 3-year horizon
• Want lifetime income → an FIA with GLWB rider (Allianz, Nationwide Peak 10)

How to pressure-test what your agent told you

1. "What's Wichita National's current AM Best rating?"
2. "What's my state's guaranty fund limit, and is my premium under it?"
3. "What's the rate locked at and for exactly how many years?"
4. "What happens at the end of the 5-year guarantee period?"
5. "Is there an MVA on early surrender?"

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed annuity expert. Hans.

The Wichita National rate is genuinely best-in-class for 5-year MYGAs. Let me confirm the rating and the right carrier choice for your specific premium amount and state.

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, appointed with 20+ A-rated carriers

By submitting, you agree to receive calls and texts from Hans Goldstein. Msg/data rates apply. Reply STOP to opt out. Privacy Policy.

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote, side-by-side comparisons vs. 2 alternatives, and a no-pressure 15-minute call if you want one.

First name

Phone *

Email *

Which annuity were you quoted?

Quote amount ($)

Best time to callMorningAfternoonEvening

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📞 Get my free second-opinion review

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers

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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, crediting methods, and long-term care benefit structures 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 across the annuity and long-term care insurance market; 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 or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies 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. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.