Palladium Match MYG
North American Company
10%
Free W/D
53
States
A single-premium fixed deferred annuity that locks in guaranteed interest rates for 3-10 years and compounds daily, ideal for investors seeking stable, predictable growth with tax deferral and flexible access options.
Free Withdrawal
10%/yr
Available In
53 states
Min Premium
$5,000
Surrender
7 years
Key Features
Guarantee Periods
3, 5, 6, 7, or 10 yearsChoose how long your interest rate is guaranteed: 3, 5, 6, 7, or 10 years
Fixed Interest Rate
Declared at issue; minimum guaranteed rate for all contract yearsEarn a guaranteed interest rate that is locked in at issue and does not fluctuate during the guarantee period
Daily Compounding
Daily compoundingInterest compounds daily on a 365-day year, maximizing growth on both principal and accumulated interest
Tax-Deferred Growth
Tax-deferred until withdrawalEarnings are not taxed until you withdraw them, allowing your full balance to compound without annual tax drag
Rate Enhancements
Starts at $100,000Larger premiums receive higher crediting rates during the initial guarantee period
Surrender Charge Schedule
8% Year 1-2, declining to 0% Year 11+Declining surrender charges if you withdraw early, with 0% charge after year 10 (year 11 onward)
30-Day Penalty-Free Window
End of guarantee periodAt the end of your guarantee period, withdraw all funds without surrender charges or market value adjustments
Health-Related Waivers
Not available in all statesTerminal Illness, Confinement, and Disability waivers allow penalty-free access to funds during hardship
Minimum Single Premium
$5,000The minimum amount you must invest to open a contract
Issue Ages
0-90The age range for both annuitant and contract owner
Highlights
Fixed interest rates guaranteed for 3, 5, 6, 7, or 10 years with tax-deferred growth on your entire balance
Higher rates for larger premiums starting at $100,000, rewarding bigger investments
Penalty-free access to funds at the end of your guarantee period with a 30-day withdrawal window
Health-related waivers (Terminal Illness, Confinement, Disability) provide emergency access without surrender charges
Death benefit passes to beneficiaries free of surrender charges, bypassing probate
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
After
0%
Disability waiver, Nursing home waiver, Terminal illness waiver
Best For
Conservative investors seeking predictable, guaranteed growth over a defined period with tax deferral and the option to access their money penalty-free when the guarantee period ends.
Consider Alternatives If
Investors who need immediate access to funds or who may need to withdraw before the end of the guarantee period without incurring surrender charges.
Carrier Ratings
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