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M. H. LeBlang Insurance Services
Insurance & annuities /

Fixed annuities / MYGAs

A stated rate.
A complete contract review.

Compare multi-year guaranteed annuities around the client’s state, premium, time horizon, and liquidity needs. Evaluate the rate alongside the contract terms and insurer.

Request current MYGA optionsOpen CANNEX
M. H. LeBlang, Inc. dba M. H. LeBlang Insurance ServicesCA Insurance License 0M32052

Compare on consistent terms

The rate is
one part of the decision.

A MYGA credits an insurer-guaranteed rate for a stated period. The guarantee period, surrender schedule, and renewal provisions need separate review.

  1. 01

    Rate, term, and funding

    Use the same state, age, premium, and account type across comparisons. Check premium bands, issue limits, the effective date, and funding deadlines.

  2. 02

    Access to capital

    Compare surrender charges, free-withdrawal provisions, market value adjustments, and any contract-specific exceptions.

  3. 03

    Insurer and contract

    Review claims-paying ability, financial-strength information, death benefits, renewal rates, and state availability.

  4. 04

    Cost and client fit

    Consider compensation, replacement effects, tax treatment, and liquidity elsewhere in the client’s plan.

Professional comparison resources

Compare with
CANNEX.

Bring current product information into the recommendation process. CANNEX provides annuity data, comparison tools, and income illustrations for financial professionals.

Open CANNEX portal

External professional platform. CANNEX sign-in and appropriate access are required.

Accumulation

Fixed annuity comparisons

Review the rate and guarantee period alongside surrender provisions, withdrawal access, insurer strength, and state availability.

Request fixed annuity options
Income

SPIA & DIA illustrations

Compare income start dates, single or joint lives, and beneficiary protections using consistent assumptions.

Request an income comparison

For current case-specific rates or income quotes, use CANNEX or contact our team. A quote does not reserve a rate; final terms come from the insurer.

A focused comparison request

Define the
comparison first.

Share the client’s state, approximate premium, preferred guarantee period, and account type. Include the liquidity or replacement question the comparison needs to resolve.

Prepare a MYGA inquiry

Keep the quote date in view.

Rates and availability can change. Use dated carrier information, confirm the funding requirements, and obtain the final insurer terms before implementation.

The displayed rate does not describe every cost, restriction, or tax consequence.

Product & implementation considerations

Guarantees are obligations of the insurer, not government guarantees. Early withdrawals can trigger surrender charges, a market value adjustment, and tax consequences. An annuity inside a tax-qualified retirement account does not add another layer of tax deferral. A renewal rate may differ from the initial guaranteed rate.

Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.

For your practice

Bring the case.
Define the next step.

Start with the planning objective, client state, and the decision you need to make.

Prepare a case inquiry