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5-Year MYGA with 6.80% Guaranteed Rate | EverVest

5-Year MYGA 6.80% Guaranteed Rate

A competitive fixed annuity opportunity with a 6.80% guaranteed simple interest rate, or 6.50% with optional 10% annual liquidity.

6.80% Guaranteed Rate* *5-year, $100,000+ option without the liquidity rider, outside California
6.50% Rate With Optional Liquidity* *5-year, $100,000+ option with the 10% Free Withdrawal Rider, outside California
Age 85 Issues Through Age 85 Full commission through age 80
100% Full Accumulated Value at Death Free of withdrawal charges or MVA
Excellent AM Best Rated Carrier Financial strength rating
Flexibility Without Sacrificing Rate

Why Offer This 5-Year MYGA?

This multi-year guaranteed annuity offers 6.80% guaranteed simple interest for the five-year high-band option without the liquidity rider.

Clients who want additional access may elect the optional Free Withdrawal Rider and receive a 6.50% guaranteed simple interest rate, along with the ability to withdraw up to 10% annually without withdrawal charges or a market value adjustment.

6.80% Guaranteed Rate $100,000+ premium without the optional liquidity rider, outside California.
6.50% With Optional Liquidity $100,000+ premium with the optional 10% Free Withdrawal Rider, outside California.

A− rated financial strength: Knighthead Life is underwritten by Merit Life Insurance Co., rated A− (Excellent) by AM Best as of November 13, 2025.

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Advisor Resources

Explore the Product

Review current rates, state availability, product provisions and client-facing information.

01

Rate Sheet & State Availability

Review current rates by term, premium band and liquidity option, along with current product availability by state.

View Rate Sheet PDF 02

Product Overview

See issue ages, premium requirements, withdrawal provisions, waivers, death benefits and additional product details.

View Product Overview PDF 03

Product Guide

Explore how the MYGA works and the benefits it may provide as part of a retirement strategy.

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For financial professional use only. Not for use with the general public.

*The 6.80% simple interest rate applies to the 5-year guaranteed option period, high premium band of $100,000 or more, without the Free Withdrawal Rider, in states other than California. The 6.50% simple interest rate applies to the 5-year guaranteed option period, high premium band of $100,000 or more, with the Free Withdrawal Rider, in states other than California. California rates differ.

Rates shown are effective August 3, 2026 and are subject to change. Commission schedules are also subject to change. Verify all current rates, commissions, state approvals and product availability with EverVest before making a recommendation or submitting business.

Staysail is a multi-year guaranteed annuity issued by Merit Life Insurance Co. and is available only in certain states. Product provisions and policy forms may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

Withdrawals exceeding any applicable free withdrawal amount may be subject to withdrawal charges and a market value adjustment. A market value adjustment may increase or decrease the amount received. Taxes are due upon withdrawal, and the IRS may impose an additional 10% penalty on withdrawals made before age 59½.

Knighthead Life is underwritten by Merit Life Insurance Co., rated A− (Excellent) by AM Best as of November 13, 2025. The rating is subject to change, does not apply to a specific insurance product and is not a recommendation of a particular contract.

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