Aspida Advisory MYGA — 5-year fixed annuity at 5.50%
- Locks in 5.50% for 5 years
- Open with $25,000 to $2,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Required IRA distributions
- Your full investment for nursing home confinement or terminal illness
Rates as of May 8, 2026
Projected balance
over 5 years
Compounded at 5.50% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $5,500 | $105,500 |
| 2 | $5,803 | $111,303 |
| 3 | $6,122 | $117,424 |
| 4 | $6,458 | $123,882 |
| 5 | $6,814 | $130,696 |
| Total earnings | $30,696 | $130,696 |
Free-withdrawal allowance: 10% / yr after year 1. Withdrawals beyond the allowance trigger the surrender charge below.
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 9.0% |
| Year 2 | 8.0% |
| Year 3 | 7.0% |
| Year 4 | 6.0% |
| Year 5 | 5.0% |
Contract terms
What else to know
Term
5 years guaranteed at 5.50% APY
Investment range
$25,000 to $2,000,000
Premium bands
| Premium | Rate |
|---|---|
| $25,000 – $100,000 | 5.35% |
| $100,000 – $2,000,000 | 5.50% |
Free withdrawals
Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance.
Features & riders
Terminal Illness Waiver · Nursing Home Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge)
Available in
48 states
Ready to lock in 5.50%?
Book a 15-minute call. We'll confirm what's filed in your state, walk through the contract, and handle the application end-to-end.