LunarLock MYGA
Oceanview Life
5.2%
Best Rate
10%
Free W/D
51
States
A multi-year guaranteed annuity that locks in a specific interest rate for 3, 5, or 7 years, providing guaranteed growth regardless of market conditions while offering tax-deferred accumulation for retirement.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$10,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.6% |
| 5-Year | 5.2% |
| 7-Year | 5.2% |
Key Features
Guaranteed Growth
Rate guaranteed for chosen term lengthMoney grows at a locked-in interest rate every single year
Market Protection
Zero market riskGrowth is not affected by stock market ups and downs
Tax Deferral
Up to 33% more growth over 30 years vs taxable accountsNo taxes on growth until you withdraw money
Term Options
3, 5, or 7 year terms availableChoose how long you want your rate guaranteed
Investment Range
$10,000 to $2 millionFlexible initial investment amount
Higher Rates for Larger Deposits
$100,000+ receives enhanced ratesBigger investments get better guaranteed rates
Highlights
Guaranteed growth every year with rates locked in for 3, 5, or 7 years
Your money grows regardless of market performance - no risk of loss
Tax-deferred growth means your money compounds faster than taxable accounts
Can convert to lifetime income payments or take flexible withdrawals
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
Best For
People who want guaranteed growth without market risk and don't need immediate access to all their money.
Consider Alternatives If
People who need full liquidity or want to maximize growth potential through market investments.
Carrier Ratings
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