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Staysail MYGA: Up to 7.20% Guaranteed Rate | EverVest

7-Year MYGA 7.20% Guaranteed Rate

A straightforward option with full commission through age 80, optional 10% annual liquidity, full accumulated value at death, and financial strength from an A− rated carrier.

7.20% Guaranteed Rate* *7-year, $100,000+ option without the liquidity 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
10% Optional Annual Liquidity Available through the Free Withdrawal Rider
Excellent AM Best Rated Carrier Financial strength rating

Why Offer This 7-Year MYGA?

This multi-year guaranteed annuity delivers guaranteed simple interest up to 7.20% with a straightforward structure, optional liquidity and financial strength from an A− rated carrier.

The full accumulated value is payable at death, while an optional rider allows clients to access up to 10% annually without withdrawal charges or a market value adjustment.

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

*The 7.20% simple interest rate applies to the 7-year guaranteed option period, high premium band of $100,000 or more, without the Free Withdrawal Rider, in states other than California. California rates differ. Rates shown are effective August 3, 2026 and are subject to change. Selecting the optional Free Withdrawal Rider results in a different credited interest rate.

Commission schedules are 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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