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 Fixed Rate Plan (Standard)
• $0–$250K | 5-Year: 5.00% | 7-Year: 5.10% | 10-Year: 5.10%
• $250K+ | 5-Year: 5.50% | 7-Year: 5.60% | 10-Year: 5.70%
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.