Axonic Waypoint MYGA — 3-year fixed annuity at 5.45%
- Locks in 5.45% for 3 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 3 years
Compounded at 5.45% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $5,450 | $105,450 |
| 2 | $5,747 | $111,197 |
| 3 | $6,060 | $117,257 |
| Total earnings | $17,257 | $117,257 |
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 The charge is a percentage of the amount withdrawn, decreasing each year.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% |
Contract terms
What else to know
Term
3 years guaranteed at 5.45% APY
Investment range
$20,000 to $1,000,000
Premium bands
| Premium | Rate |
|---|---|
| $20,000 – $100,000 | 5.10% |
| $100,000 – $1,000,000 | 5.45% |
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Up to 10% of the contract value can be withdrawn each year free of surrender charges.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 5.45%?
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.