| Rate Lock Fee-Based 5-Year Fee-only and RIA clients who want a clean five-year locked rate without embedded commissions reducing the credited yield | MYGA | 5yr | A- | — | — | Review → |
| Rate Lock Fee-Based 6-Year Fee-only and RIA clients who want a clean locked rate with no commission load and no surrender markup | MYGA | 6yr | A- | — | — | Review → |
| Rate Lock Fee-Based 7-Year Fee-only RIA clients who want a seven-year locked guaranteed rate without the commission load embedded in the standard version — and whose advisor charges separately for advice | MYGA | 7yr | A- | — | — | Review → |
| Rate Lock Fee-Based 8-Year Fee-only and RIA clients who want a clean 8-year locked rate with no commission load baked into the crediting | MYGA | 8yr | A- | — | — | Review → |
| Rate Lock Fee-Based 9-Year Fee-only and RIA clients who want a clean 9-year locked rate with no commission load baked into the crediting | MYGA | 9yr | A- | — | — | Review → |
| Growth Builder 5-Year Buyers who want a 5-year FIA with an upfront premium bonus and optional chronic-illness access, and who are comfortable with the bonus vesting trade-off | FIA | 5yr | ★ 4.1 | — | 8% on single premium (base); plus 4% additional if Enhanced Access Rider elected (total 12% if rider elected) | Review → |
| Rate Lock 4-Year Savers who want a short, guaranteed-rate commitment with no annual fees and a clean four-year lockup | MYGA | 4yr | A- | — | — | Review → |
| Rate Lock 5-Year Savers who want a clean five-year locked rate with a low minimum, RMD flexibility, and no rider complexity | MYGA | 5yr | A- | — | — | Review → |
| Rate Lock 6-Year Savers who want a clean locked rate for six years without index complexity or rider fees, particularly those with larger premium amounts who qualify for the tiered rate improvement | MYGA | 6yr | A- | — | — | Review → |
| Rate Lock 8-Year Conservative buyers who want a locked eight-year rate with no market exposure, no rider complexity, and a standard free-withdrawal provision | MYGA | 8yr | A- | — | — | Review → |
| Rate Lock Fee-Based 3-Year Fee-only advisory clients who want a short, guaranteed-rate commitment with no commission load embedded in the yield | MYGA | 3yr | A- | — | — | Review → |
| Rate Lock Fee-Based 4-Year Fee-only and RIA clients who want a clean four-year locked rate with no commission load built into the crediting | MYGA | 4yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 4-Year Fee-based advisory clients who want a short-term locked rate with no commission drag and can accept that early surrenders carry both a charge and an interest-rate-driven MVA | MYGA | 4yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 6-Year Fee-only and RIA clients who want a locked six-year rate and can accept that early surrender values will move with interest rates | MYGA | 6yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 7-Year Fee-only RIA clients who want a seven-year locked rate and understand that the MVA is an explicit part of the contract's surrender mechanics — not a hidden variable | MYGA | 7yr | A- | — | — | Review → |
| Growth Builder 7-Year Buyers who want principal protection, a built-in premium bonus, and optional care-access provisions without paying for a lifetime income rider | FIA | 7yr | ★ 4.0 | — | 8% on single premium (base); additional 4% if Enhanced Access Rider elected | Review → |
| Rate Lock 7-Year Conservative savers who want a locked guaranteed rate for seven years with no fees or rider complexity, and can commit to the full term | MYGA | 7yr | A- | — | — | Review → |
| Rate Lock Fee-Based 10-Year Fee-only advisory clients who want a clean 10-year locked rate without commission load reducing the credited yield | MYGA | 10yr | A- | — | — | Review → |
| Growth Plus Buyers who want a 10-year FIA with index-linked accumulation, a free built-in GLWB, and a care-doubler benefit without paying extra for any of it | FIA | 10yr | ★ 3.9 | Yes 0% — included at no annual charge fee | — | Review → |
| WealthChoice 10-Year Buyers who want a long-horizon accumulation FIA with no upfront bonus and the option to add lifetime income later without paying for it unless they need it | FIA | 10yr | ★ 3.9 | — | — | Review → |
| WealthChoice 5-Year Buyers who want a short-commitment FIA with a clean fee structure, a competitive fixed account option, and locked participation rates on specialty indices for the full 5-year term | FIA | 5yr | ★ 3.9 | — | — | Review → |
| WealthChoice 7-Year Retirement savers who want principal protection and a range of index crediting choices, with the flexibility to add a lifetime income layer if needed later | FIA | 7yr | ★ 3.9 | — | — | Review → |
| Rate Lock 3-Year Savers who want a short, locked-rate commitment with no index complexity and a clean exit in three years | MYGA | 3yr | A- | — | — | Review → |
| Rate Lock 9-Year Retirement savers who want a locked guaranteed rate for nine years and have no near-term need for the principal | MYGA | 9yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 10-Year Fee-only advisory clients who want a 10-year locked rate and understand that early surrender costs include both a surrender charge and an interest-rate-driven MVA adjustment | MYGA | 10yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 3-Year Fee-only advisory clients who fully commit to the 3-year term and can absorb the added early-exit variability that an MVA introduces | MYGA | 3yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 5-Year Fee-based RIA clients who want a clean 5-year locked rate and understand that a Market Value Adjustment will float their surrender value with interest rates | MYGA | 5yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 8-Year Fee-based advisory clients who want a guaranteed fixed rate for eight years and understand that a Market Value Adjustment applies if they surrender early | MYGA | 8yr | A- | — | — | Review → |
| Rate Lock Fee-Based MVA 9-Year Fee-based advisory clients who want a guaranteed fixed rate for nine years and have genuinely committed to holding the full term — the MVA makes early exit materially more expensive than stated charges alone imply | MYGA | 9yr | A- | — | — | Review → |
| Growth Builder 10-Year Buyers who want a large upfront account-value credit and are comfortable with a 10-year commitment and bonus recapture strings attached | FIA | 10yr | ★ 3.8 | — | 14% on single premium (standard, no-fee); plus 6% additional if Enhanced Access Rider elected (total up to 20%) | Review → |
| Rate Lock 10-Year Buyers who want a fully locked rate for a decade, full death benefit protection, and RMD-friendly terms without any income rider complexity | MYGA | 10yr | A- | — | — | Review → |
| WealthChoice Bonus 10-Year Buyers who want a 10% upfront account-value credit, are comfortable with a 10-year commitment, and do not need an income rider built into the contract | FIA | 10yr | ★ 3.7 | — | 10% | Review → |
| Growth Builder 14-Year Long-horizon buyers who plan to hold through full bonus vesting and want optional chronic-illness coverage in the same contract | FIA | 14yr | ★ 3.5 | — | 14% on single premium (standard); plus 6% if Enhanced Access Rider elected. Bonus vests annually: 0% year 1, ~1% year 2, fully vested (14%) at year 15+. Bonus Recapture Charges apply on early surrender. | Review → |
