Axonic Incline MYGA — 7-year fixed annuity at 5.25%
- Locks in 5.25% for 7 years
- Open with $20,000 to $1,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Your full investment for nursing home confinement or terminal illness
Rates as of May 8, 2026
Projected balance
over 7 years
Compounded at 5.25% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $5,250 | $105,250 |
| 2 | $5,526 | $110,776 |
| 3 | $5,816 | $116,591 |
| 4 | $6,121 | $122,712 |
| 5 | $6,442 | $129,155 |
| 6 | $6,781 | $135,935 |
| 7 | $7,137 | $143,072 |
| Total earnings | $43,072 | $143,072 |
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 The charge is a percentage of the amount withdrawn, decreasing each year.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% |
| Year 6 | 4.0% |
| Year 7 | 3.0% |
Contract terms
What else to know
Term
7 years guaranteed at 5.25% APY
Investment range
$20,000 to $1,000,000
Premium bands
| Premium | Rate |
|---|---|
| $20,000 – $100,000 | 5.00% |
| $100,000 – $1,000,000 | 5.25% |
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Up to 10% of the contract value can be withdrawn each year free of surrender charges.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
Available in
43 states
Ready to lock in 5.25%?
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.