Guaranteed Accumulator
MYGA
A single-premium fixed annuity with guaranteed rates, a 3% premium bonus, and full principal protection — available in 3, 5, 7, and 10-year terms.
Guaranteed rates, locked for the full term.
All rates shown are the effective all-in annual yield, incorporating the crediting rate compounded over the term plus the 3% day-one premium bonus. Rates are current and subject to change prior to policy issuance.
Rates as of April 2026. Subject to change without notice. All-in rate reflects effective annual yield over the full term with the 3% premium bonus applied at issue.
What's included in every contract.
Your money starts working immediately.
The Guaranteed Accumulator credits a 3% premium bonus at contract issue on your full premium — before the first day of interest crediting. This is not a vesting bonus: the full 3% belongs to you from the moment your contract is in force.
How it compounds over a 5-year term on a $100,000 premium:
| Year | Without Bonus | With 3% Bonus | Difference |
|---|---|---|---|
| Issue | $100,000 | $103,000 | +$3,000 |
| Year 1 | $105,800 | $108,974 | +$3,174 |
| Year 3 | $118,304 | $121,853 | +$3,549 |
| Year 5 | $132,336 | $136,306 | +$3,970 |
Hypothetical example using the current 5-year crediting rate of 5.80%. For illustration only.
Enhanced Death Benefit Rider.
The Enhanced Death Benefit (EDB) Rider pays 110% of the account value to your named beneficiaries upon the annuitant's death — rather than the standard 100%. This can meaningfully increase the legacy you leave.
Adding the EDB rider slightly reduces the crediting rate for each term. The adjusted rates are shown below:
| Term | Standard Rate | With EDB Rider | Rider Cost |
|---|---|---|---|
| 3 Years | 6.34% | 6.19% | −0.15%/yr |
| 5 Years | 6.43% | 6.28% | −0.15%/yr |
| 7 Years | 6.35% | 5.60% | −0.75%/yr |
| 10 Years | 6.01% | 5.46% | −0.55%/yr |
Access rules you should understand.
MYGAs are designed for the full contract term. Early withdrawals beyond the annual free withdrawal allowance are subject to surrender charges that decrease over time. The Guaranteed Accumulator includes a 10% annual free withdrawal provision — you may withdraw up to 10% of the contract value each year without charge.
Additional penalty-free provisions may include: terminal illness or nursing home confinement (subject to contract terms and state availability). Consult the contract for full details.
Currently available in these states.
The Marquette Guaranteed Accumulator is currently approved for sale in the following states and territories:
Not in a listed state? Request to be notified when we expand to your area.
Marquette Insurance Company.
Marquette Insurance Company is a licensed life and annuity carrier with a focus on fixed insurance products for retirement savers. Alex. and Co. vets carrier financial strength and claims-paying history before presenting any product to clients.
All annuities sold through Alex. and Co. are backed by state Life and Health Insurance Guaranty Associations, which provide policyholder protection (typically up to $250,000 per person) in the event of insurer insolvency. Coverage limits vary by state.
Read before you apply.
Review the product brochure and disclosures before completing your application. These documents contain the complete rate, surrender charge, and benefit information.
Ready to lock in your rate?
Apply online in about 10 minutes — no account required. Your rate is locked at the time your contract is issued.
Rates are current as of publication and subject to change without notice. This page is for informational purposes only and does not constitute an offer or guarantee. Review all product documents and consult a qualified advisor before purchasing.