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How to Read a MYGA Before You Read the Rate

How to Read a MYGA Before You Read the Rate

How to Read a MYGA Before You Read the RateMarc Johnston-Roche
Published on: 04/11/2026

A new MYGA launched with no rate published. Learn how to compare MYGA rates by reading the four contract mechanics that decide what the rate is actually worth.

MYGAfixed annuitiesannuity ratesannuity education
What a 1035 Exchange Does Not Do: The Surrender Charge Nobody Mentions

What a 1035 Exchange Does Not Do: The Surrender Charge Nobody Mentions

What a 1035 Exchange Does Not Do: The Surrender Charge Nobody MentionsMarc Johnston-Roche
Published on: 02/11/2026

A 1035 exchange annuity transfer avoids tax, not cost. What the IRS rule covers, the 180-day partial exchange rule, and the surrender charge that still applies.

1035 exchangeannuity educationsurrender charges
Three States, One Annuity Carrier: What a Stop-New-Business Order Means for a Contract You Already Own

Three States, One Annuity Carrier: What a Stop-New-Business Order Means for a Contract You Already Own

Three States, One Annuity Carrier: What a Stop-New-Business Order Means for a Contract You Already OwnMarc Johnston-Roche
Published on: 28/10/2026

Three states acted on one annuity writer in six weeks. How to read a stop-new-business order and check annuity carrier financial strength yourself.

annuity carrier financial strengthcarrier solvencyguaranty associationannuity regulation
Early-October 2026 MYGA Rates: The Top Offer Still Isn't From an A-Rated Carrier

Early-October 2026 MYGA Rates: The Top Offer Still Isn't From an A-Rated Carrier

Early-October 2026 MYGA Rates: The Top Offer Still Isn't From an A-Rated CarrierMarc Johnston-Roche
Published on: 21/10/2026

The top MYGA rate climbed to 6.45% this week, still from a B-rated carrier. See how it compares to A-rated offers and what that gap actually means.

MYGAannuity rates