5-Year multi-year guaranteed annuity · A.M. Best B++
We are paid by American Gulf 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.
Assumes the contract is held to maturity and interest compounds annually at the locked rate. No withdrawals.
| Year | Starting Balance | Interest Credited | Ending Balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$6,000.00 | $106,000.00 |
| Year 2 | $106,000.00 | +$6,360.00 | $112,360.00 |
| Year 3 | $112,360.00 | +$6,741.60 | $119,101.60 |
| Year 4 | $119,101.60 | +$7,146.10 | $126,247.70 |
| Year 5 | $126,247.70 | +$7,574.86 | $133,822.56 |
Withdrawals above the contract's free-withdrawal allowance during the surrender period incur the following charge. A Market Value Adjustment (MVA) also applies on early withdrawals and can increase or decrease the surrender value based on interest rate movement since issue.
| Year | 1 | 2 | 3 | 4 | 5 | 6+ |
|---|---|---|---|---|---|---|
| Charge | 9% | 8% | 7% | 6% | 5% | 0% |
Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract or licensed agent.
Other MYGA options currently available from this carrier.
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Read our full American Gulf review for a detailed look at the company's history, product lineup, and financial strength.
American Gulf carries an A.M. Best rating of B++, an indicator of the company's financial strength and ability to meet its insurance obligations. When you purchase an annuity, your guarantees are backed by the issuing insurance company's claims-paying ability, so carrier strength matters.
We have been using this company for several years. They are knowledgeable on all facets of their annuity products. Their customer service is outstanding. I highly recommend them for annuity purchases.
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.
I appreciated Ms. Caudill's speedy service and her honesty. I rate My Annuity Store 5 out of 5.
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Live rate feed Last updated June 29, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.
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