WealthLock MYGA
Aspida
5.25%
Best Rate
10%
Free W/D
49
States
A multi-year guaranteed annuity that locks in a fixed interest rate for your chosen term while protecting your principal from market volatility. Ideal for conservative investors seeking predictable growth with some liquidity options.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 4.15% |
| 3-Year | 4.4% |
| 5-Year | 5.15% |
| 7-Year | 5.25% |
Key Features
Guaranteed Interest Rate
Varies by term selectedFixed rate locked in for your entire term regardless of market conditions
Term Options
2, 3, 5, or 7 yearsChoose from multiple guarantee periods to match your timeline
Principal Protection
100% protectionYour initial investment is completely protected from market losses
Free Withdrawals
Up to 5% annuallyTake out money penalty-free each year after the first
Premium Range
$25,000 minimum, $1,000,000 maximumFlexible investment amounts to fit different financial situations
Tax Deferral
Full tax deferralInterest grows tax-free until you withdraw, maximizing compound growth
Enhanced Liquidity
100% withdrawal availableFull access to funds for qualifying nursing home stays or terminal illness
Highlights
Guaranteed interest rates for 2, 3, 5, or 7 years with no market risk to your principal
5% penalty-free withdrawals annually after the first year, plus full access for nursing home or terminal illness
Tax-deferred growth that compounds faster than taxable investments
Backed by Aspida's A- financial strength rating and Ares Management's $300+ billion in assets
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Conservative investors who want guaranteed growth with principal protection and some access to their money.
Consider Alternatives If
Investors who need frequent access to their funds or want potential for higher market-based returns.
Carrier Ratings
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