Rising MYGA & FIA Rates: What You Need to Know

The guaranteed interest rate environment is shifting. This week, both Symetra and North American issued rate increase notices. Movement is trending toward increases across the product landscape.

Currently, Axonic offers a very competitive rate suite across their MYGA lineup.

Axonic Waypoint MYGA — USA | High Band ($100,000+ | AM Best A-)
• 2-Year: 5.00%
• 3-Year: 5.40%
• 5-Year: 5.65%
• 7-Year: 5.50%
• 10-Year: 5.50%

Rates are guaranteed for the full surrender charge period.
10% annual penalty-free withdrawals • Terminal illness & nursing home waivers • RMDs without penalty

AXONIC TRAILHEAD FIA — USA | High Band ($100,000+ | AM Best A-)

For clients who want upside participation with downside protection:
• S&P 500 Point-to-Point with Cap: 10.50% cap (1-Year Strategy Term)
• Nasdaq-100 Bitcoin Trends 15% Index: 70% participation (1-Year) | 100% participation (2-Year)
• Available in 5, 7, and 10-year surrender periods
• Issued by AmFirst Insurance Company

INTERNATIONAL CLIENTS. USD. SAME PLATFORM.

For clients without a need to travel to the United States for signing, those who desire a foreign entity to own the product, or those seeking the planning opportunities afforded by international structures — Axonic is established globally.

Clients outside the United States — without a U.S. tie, U.S. citizenship, or U.S.-based money — can still access Axonic’s guaranteed rate and index products, denominated in USD, through Axonic’s Cayman-domiciled international platform, structured for non-U.S. clients.

Axonic International Guaranteed Plans — Effective March 1, 2026

Guaranteed Index Plan (Standard)
• S&P 500 & Nasdaq-100 Cap: 9.25% (5-Year) | 9.50% (7-Year)

Guaranteed Fixed Rate Plan PLUS (no liquidity | higher rates)
• 5-Year: 5.90% | 7-Year: 6.00% | 10-Year: 6.10%

Guaranteed Index Plan PLUS
• S&P 500 & Nasdaq-100 Cap: 11.00% (3-Year & 5-Year)

All values USD-denominated. Rate lock available — funds must be received within 15 calendar days of application.

Not available to U.S. citizens, U.S. residents, or residents of Jersey or the Cayman Islands.

WHY NOW.

When carriers announce rate movement, repricing across the market typically follows within 30–45 days. Historical cycles show 15–40 bps shifts in that window. It’s a pattern worth knowing when you’re positioning fixed products for clients currently in accumulation or transition.

The rate environment today still offers meaningful guarantees. That may not be true 60 days from now.

Choose your engagement — YOU / WE / US — and let’s design some ideas together.

For licensed insurance professionals only. Rates subject to change without notice. Verify all rates and state approvals with your MGA prior to client conversations. International products are not available to U.S. citizens or U.S. residents.

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Contact Joshua to learn more.
jherrington@thepacificbridgecompanies.com

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Joshua Herrington

Joshua Herrington-Vickers, Managing Director of North America at The Pacific Bridge Companies (TPBC), an international financial planning organization built on a multi-generational mission to transform the way financial services are delivered around the globe. TPBC's foundation is simple but rare in this industry: we believe doing good and doing well are not in conflict, they are symbiotic. Guided by the values of Mahalo, Aloha, Ohana, Pono, and Imua, our work is rooted in genuine care for the advisors we serve, the clients they protect, and the communities they belong to. That's not a tagline. It's how we operate every day across our global presence, with physical offices in Hawaii and Los Angeles and a dedicated Japanese platform serving advisors and clients throughout Japan. My role is to connect global advisors to the resources, ideas, and relationships they need — operating through TPBC's North American platform to serve RIAs, bankers, insurance advisors, attorneys, and CPAs wherever their clients' lives and wealth may lead. Whether a client is a foreign national navigating US financial structures, a first-generation family bridging two countries, or a high-net-worth individual with assets spanning multiple jurisdictions, I help advisors access cross-border planning alternatives and a global network of specialists across insurance, banking, investment, tax, and law that they simply can't build on their own. On the technology front, I serve on the NAIFA National Artificial Intelligence Task Force and lead global regional study groups with MDRT members focused on how advisors can practically and responsibly leverage AI in their practice. In an industry built on trust and relationships, understanding how AI changes the game — and how it doesn't — matters more than ever right now. Beyond the work, I serve on the Board of Trustees for Jammin for the Camp Corp, supporting Hoosier Burn Camp for young burn survivors. I mentor graduating students at San Francisco State University and volunteer as a Commander's Key Support Liaison with the United States Air Force, supporting unit families and community resilience. Outside the office, I play competitive games that reward pattern recognition and disciplined thinking — Top 1% on Tetris Effect Connected. If you're on Chess.com, send a match request: username Just-A-Dad. If your clients' lives cross borders, let's talk.