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SILAC Secure Savings Elite 3

3-Year multi-year guaranteed annuity · A.M. Best B

Guaranteed Rate
4.5%
Annual · 3-year term
Guaranteed Rate
4.5%
Annual, fixed for term
Locked For
3 years
Surrender period
$100,000 grows to
$114,117
+$14,117 over 3 years

Product Details

Insurance Company SILAC
A.M. Best Rating B Fair · 7th highest of 13
Guaranteed Rate 4.5%
Term Length 3 years
Free Withdrawal · Year 1 0%
Free Withdrawal · Years 2+ 0%
Interest Withdrawals Yes
Min Premium · Non-Qualified $10,000
Min Premium · Qualified (IRA) $10,000
Maximum Premium $500,000
Max Issue Age · Non-Qualified 85
Max Issue Age · Qualified 85
Product Brochure Download PDF →

State Availability

Available in:40 states
Not available in:CA, FL, GU, MA, MD, MN, NJ, NY, OR, PA, PR, VA, VI, WA
View all available states
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At 4.5% for 3 years, $100,000 grows to $114,116.61 (+$14,116.61 in interest)

Year-by-Year Projected Balance

Assumes the contract is held to maturity and interest compounds annually at the locked rate. No withdrawals.

YearStarting BalanceInterest CreditedEnding Balance
Year 1 $100,000.00 +$4,500.00 $104,500.00
Year 2 $104,500.00 +$4,702.50 $109,202.50
Year 3 $109,202.50 +$4,914.11 $114,116.61

The Purchase Process

1Compare & SelectChoose your term and rate.
2Online Pre-AppQuick 5-minute digital form.
3Advisor ReviewA quick call to verify details.
4Direct FundingE-sign and transfer funds.

Application Checklist

Have these items ready to complete your application in one sitting.

Personal IdentificationSocial Security Number and a valid Driver's License or ID.
Beneficiary InfoLegal names, dates of birth, and SSNs for your beneficiaries.
Funding DetailsBank account/routing numbers or statements for 1035 exchanges.
Suitability InfoBasic understanding of your liquid assets and net worth.

About SILAC

SILAC 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.

What Our Clients Say

4.9
★★★★★
44 verified client reviews
Sourced from BBB · verify on BBB
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★★★★★ BBB
Dennis Benner

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.

★★★★★ BBB
John Fiebiger

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.

★★★★★ BBB
Carl B.

I appreciated Ms. Caudill's speedy service and her honesty. I rate My Annuity Store 5 out of 5.

Read all client reviews →

Ready to lock in 4.5%?

Apply online in about 10 minutes, or talk to a licensed agent first.

Prefer to talk on your schedule? Schedule a call →

New to MYGAs? Read the MYGA guide, our tax overview, or how surrender charges work.

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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