Fidelity & Guaranty Secure MYGA ROP — 5-year fixed annuity at 4.45%
- Locks in 4.45% for 5 years
- Open with $20,000 to $3,000,000
- 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 4.45% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $4,450 | $104,450 |
| 2 | $4,648 | $109,098 |
| 3 | $4,855 | $113,953 |
| 4 | $5,071 | $119,024 |
| 5 | $5,297 | $124,320 |
| Total earnings | $24,320 | $124,320 |
Free-withdrawal allowance: 10% / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #151 of 166 (top is 6.35% — Mountain Life Alpine Horizon)
- Top 5-year CD
- 4.20% APY · $122,840 at maturity (taxed annually)
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 The charge is a percentage of the amount withdrawn, decreasing each year.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 | 8.6% |
| Year 2 | 7.7% |
| Year 3 | 6.7% |
| Year 4 | 5.8% |
| Year 5 | 4.9% |
Contract terms
What else to know
Term
5 years guaranteed at 4.45% APY
Investment range
$20,000 – $3,000,000
Rate banding
Higher investment amounts qualify for higher rates.
| Premium band | Rate |
|---|---|
| $20,000 – $100,000 | 4.25% |
| $100,000 – $3,000,000 | 4.45% |
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Profit Sharing, Non-Qualified, Inherited IRA, IRA Rollover, IRA-Roth, TSA 403b, Pension, SEP IRA, 401k
Owner age
0 to 90 years old
Free look period
30 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Terminal Illness Waiver
- Nursing Home Waiver
- RMD-Friendly (RMD withdrawals exempt from surrender charge)
- Return of Premium
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Fidelity & Guaranty contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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