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Multi-year guaranteed · MYGA
Merit Life Insurance Co. annuity rates
Merit Life Insurance Co.'s current multi-year guaranteed annuity (MYGA) rates — a fixed, locked rate for a set term — across 6 products.
Best rates by term
3-year
5.60%
5-year
6.30%
7-year
6.50%
10-year
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Merit Life Insurance Co. products & terms
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Showing 1–6 of 6 products
| Product | Term | Rate | Surrender | MVA | Bonus |
|---|---|---|---|---|---|
Staysail 7-Year Merit Life Insurance Co. | 7-yr | 6.50% | 7-yr | Yes | — |
Staysail 5-Year Merit Life Insurance Co. | 5-yr | 6.30% | 5-yr | Yes | — |
Staysail 7-Year with Liquidity Rider Merit Life Insurance Co. | 7-yr | 5.95% | 7-yr | Yes | — |
Staysail 5-Year with Liquidity Rider Merit Life Insurance Co. | 5-yr | 5.75% | 5-yr | Yes | — |
Staysail 3-Year Merit Life Insurance Co. | 3-yr | 5.60% | 3-yr | Yes | — |
Staysail 3-Year with Liquidity Rider Merit Life Insurance Co. | 3-yr | 5.25% | 3-yr | Yes | — |
Best current rate per product and term, as of 2026-05-20. Rates vary by premium amount and state and change frequently — confirm with the carrier. Rate information, not a quote or recommendation.
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