Multi-Year Guaranteed Annuity (MYGA)

Axonic Waypoint MYGA Rates

Fixed-rate accumulation with 100% principal protection and tax-deferred growth. Choose a 2-, 3-, 5-, 7-, or 10-year guarantee period. Issued by AmFirst Insurance Company and serviced by Axonic Insurance Services.

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Terms Available: 2, 3, 5, 7, 10 Years • Select premium band and term
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Rates effective: November 12, 2025. Subject to change. Availability varies by state.

Growth Calculator (Illustrative)

Annual compounding (illustrative)

Select your premium, term, and band to see an illustrative projection. Calculator is for education only; actual contract mechanics govern.

Projected Ending Value $0
Effective Annual Yield: —
Total Interest Earned $0
Difference vs Premium
Average Annual Interest $0
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Illustration uses nominal rate with annual compounding. Actual accumulation and crediting follow the contract. Not an offer or guarantee. Review official materials before purchase.

Availability Reminder: Axonic Waypoint MYGA is not available in CT, GU, MN, NC, NJ, NY, PR, RI, VI, WI.

New to MYGAs? Read our quick guide: How MYGAs Work.

Product Highlights

Initial Guarantee Periods 2, 3, 5, 7, and 10 years
Funding Options Non-Qualified, IRA, Roth IRA, 401(k), SEP IRA, Inherited IRA
Minimum Premium $20,000 (amounts over $1,000,000 require Axonic approval)
Issue Ages Up to 89 and 364 days
Free Withdrawals After year 1, up to 10% of the prior anniversary contract value annually; $500 min per withdrawal
Riders Nursing Home Confinement Rider and Terminal Illness Rider (not available in CA)
Death Benefit Pre-annuitization: contract value paid to beneficiary. Post-annuitization: per elected payout option.
Renewal Options Renew same/different period, surrender penalty-free in window, annuitize, or partial withdrawal and renew balance (per notice at end of term)
Insurer AmFirst Insurance Company (A- AM Best). Serviced by Axonic Insurance Services LLC.

Axonic Waypoint MYGA FAQs

Important Disclosures Product availability, rates, credited interest, bands, and features are subject to state approval, carrier rules, premiums, and change without notice until contract issue and funding. Surrender charges and any applicable market value adjustment (MVA) may apply to withdrawals exceeding penalty-free provisions during the surrender period. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, may incur a 10% IRS penalty. Guarantees rely on the issuing insurer’s claims-paying ability. Not FDIC/NCUA insured. Not a bank/CU obligation. Educational only—review the official contract, brochure, and rate sheet.
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