The Select Choice® Plus 1 (5) Year Plan Base Policy MVA is a 5-year multi-year guaranteed annuity from Prosperity SBLI USA.
Rate change on November 16, 2026. Prosperity SBLI USA has filed a new rate for the Select Choice® Plus 1 (5) Year Plan Base Policy MVA.
Today's rate is not locked until Prosperity SBLI USA receives your final application, and it is only secured once the policy is funded. Start soon so your application reaches Prosperity SBLI USA before November 16.
5.90% every year. It cannot go down during the term.
Any early withdrawal carries a surrender charge.
Any early withdrawal carries a surrender charge.
Interest compounds annually at 5.90%. Enter your deposit and select Recalculate to see your own numbers.
| Year | Starting balance | Interest earned | Ending balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$5,900.00 | $105,900.00 |
| Year 2 | $105,900.00 | +$6,248.10 | $112,148.10 |
| Year 3 | $112,148.10 | +$6,616.74 | $118,764.84 |
| Year 4 | $118,764.84 | +$7,007.13 | $125,771.96 |
| Year 5 | $125,771.96 | +$7,420.55 | $133,192.51 |
Assumes no withdrawals. Interest grows tax-deferred until withdrawn. Rates last updated 11/12/2026 and subject to change until your rate is locked. For illustration purposes only.
This annuity pays a higher rate in exchange for leaving your full deposit in place for 5 years. If you may need income along the way, ask us about MYGAs that allow interest-only or 10% annual withdrawals.
Some states use a different schedule:
California
The charge applies to the amount you withdraw above any free amount. Example: withdrawing $10,000 in year 1 would cost $900, before any market value adjustment.
While surrender charges apply, an early withdrawal is also adjusted for interest rate changes. If rates have fallen since you bought, the adjustment adds to what you receive. If rates have risen, it reduces it.
Carriers can change rates without notice. Today's rate is not locked until Prosperity SBLI USA receives your final application, and it is only secured once the policy is funded.
The date Prosperity SBLI USA last changed the rate on this product.
You have 30 days after the term ends to act with no surrender charge.
We compare rates from 90+ top annuity companies and are licensed in 47 states. Your contract and your money are held by Prosperity SBLI USA, never by us.
We are paid by Prosperity SBLI USA 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.
How Annuity Commissions WorkIf you may need money before the 5 years are up, or want to compare this against other terms, talk it through with a licensed agent first. Schedule a call or dial 855-277-8088. No fees and no obligation.
The Select Choice® Plus 1 (5) Year Plan Base Policy MVA rate depends on how much you deposit. The last column shows the new rate Prosperity SBLI USA has scheduled.
| Deposit amount | Rate today | From Nov 16 |
|---|---|---|
| $2,000 to $49,999 | 5.40% | 5.50% |
| $50,000 to $99,999 | 5.40% | 5.50% |
| $100,000 to $1,000,000 | 5.90% | 5.70% |
New to MYGAs? Read the MYGA guide, our tax overview, or compare today's best annuity rates. Looking for lifetime income instead? Use our single premium immediate annuity calculator.
Rates last updated 11/12/2026 and subject to change without notice. For illustration purposes only. This annuity is issued by Prosperity SBLI USA, an insurance company, not a bank, and is not FDIC insured. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Withdrawals may be subject to surrender charges, a market value adjustment and ordinary income tax, and to a 10% federal tax penalty if taken before age 59½. Not available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY. My Annuity Store does not give tax or legal advice. Please consult a tax professional or attorney.
You’re in. Here’s your guide.
Your download should start automatically. If it doesn’t, use the button below. We’ve also added you to our newsletter for rate updates and new guides.
Download the Guide (PDF) ↓
