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HOW MYGAs WORK
FIXED-RATE GROWTH
InspereX offers Multi-Year Guaranteed Annuities (MYGAs) from AuguStar Retirement, providing a fixed interest rate for a set term with tax-deferred growth. At maturity, you can access your funds, renew, or exchange into another annuity.
MYGAs with Market Value Adjustment
Some MYGAs include a Market Value Adjustment (MVA), which may increase or decrease the cash surrender value of an early or excess withdrawal based on changes in market interest rates.
MYGAs with Market Value Adjustment
Other MYGAs offer a Return of Premium (ROP) feature, providing added flexibility to access your original premium if you surrender the contract before maturity, subject to contract terms.
RETIREMENT BENEFITS
DESIGNED TO COMPLEMENT RETIREMENT PORTFOLIOS
Fixed annuities can help advisors incorporate guaranteed growth and principal protection into broader retirement strategies while balancing income, stability, and long-term financial goals.
Help preserve principal while earning guaranteed fixed interest.
Reduce exposure to market volatility.
Support long-term retirement accumulation with tax-deferred growth.
Complement diversified retirement portfolios.
Connect with our team to learn more about available annuity offerings with your broker-dealer.