05/27/2026
When was the last time you reviewed the guaranteed rate on your long-term savings?
If you’re evaluating options for retirement-focused savings, it may be worth understanding how a fixed deferred annuity works.
A Fixed Deferred Annuity (FDA) is designed for long-term savings. It offers principal protection and a guaranteed interest rate with tax-deferred growth, backed by the claims-paying ability of New York Life Insurance andAnnuity Corporation.
It is intended for money you generally will not need for an extended period, though it allows up to 10% to be withdrawn annually and may provide income options in the future.
**A 60-month guarantee period is currently offering a rate of 5.00% as of May 25, 2026.*
If you would like more information about a fixed deferred annuity, reply or message me.
—
*Annual guaranteed initial interest rate effective as of 05.25.2026 and subject to change. Availability may vary by state and is based on a $100,000 premium.
**Withdrawals may be subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% IRS penalty. Early surrender charges and a Market Value Adjustment (MVA) may also apply.
The New York Life Secure Term MVA Fixed Annuity is a single premium fixed deferred annuity with multiple interest rate guarantee periods and is issued by New York Life Insurance and Annuity Corporation (a DelawareCorporation), a wholly owned subsidiary of New York Life Insurance Company (NY, NY), and is available where approved and subject to eligibility requirements. SMRU #8770172.1