3-year multi-year guaranteed annuity from American Life
Enter your amount to see the guaranteed value, year by year. No market risk, no annual fees.
| Year | Starting Balance | Interest Credited | Ending Balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$5,100.00 | $105,100.00 |
| Year 2 | $105,100.00 | +$5,360.10 | $110,460.10 |
| Year 3 | $110,460.10 | +$5,633.47 | $116,093.57 |
Assumes the contract is held to maturity and interest compounds annually at the locked rate, with no withdrawals. Interest grows tax-deferred until withdrawn. Use our single premium immediate annuity calculator if you are looking for lifetime income instead.
What you can withdraw without penalty during the 3-year term, and what an early exit costs.
Withdrawals above the free amount during the surrender period incur this charge. A Market Value Adjustment (MVA) also applies and can raise or lower the surrender value based on interest rate movement since issue.
| Year | 1 | 2 | 3 | 4+ |
|---|---|---|---|---|
| Charge | 9% | 8% | 7% | 0% |
Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract.
Your guarantees are backed by American Life's claims-paying ability, so carrier strength matters.
A.M. Best rates an insurer's ability to pay its obligations. State guaranty associations also provide a layer of protection for annuity owners, with limits that vary by state.
Three quick checks: your state, your deposit amount, and your age.
Everything above, plus the brochure, in one reference table.
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I have worked with Kiara for over a year, and she has been outstanding. She is always prompt, helpful, informative and kind. Kiara fully understands her products and has always looked out for my best interests. I highly recommend speaking with Kiara for help with your financial support.
Most applications take about 10 minutes online, or we can complete it with you over the phone.
You pay us nothing directly. Here's our commission on this product, in plain sight.
We are paid by American Life when you make a purchase. Commission rates are updated periodically and subject to change. In limited instances, My Annuity Store may receive higher compensation than the published commission rates based on achieving a certain level of sales volume or as a result of playing an expanded role in policy processing. This is an indirect cost to you, as it is already factored into the interest rate quoted.
Commissions may be slightly lower for individuals age 80 and older.
Apply online in about 10 minutes, or talk to a licensed agent first.
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Other MYGA options currently available from this carrier.
Live rate feed Last updated July 22, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.
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