Could a MYGA be right for me?

Our current featured MYGA:

Guaranteed Rate: 5.30%
5 Year Term
Full Account Value Death Benefit
Insurance Product: NOT FDIC or NCUAA Insured, NO Bank or Credit Union Guarantee.

Rate effective 11/1/2022, subject to change. Not a recommendation or financial advice. Early withdrawals may be subject to surrender charges, adjustments, and tax penalties, which may result in loss of principal. See contract disclosures for details. Contract features and availability may vary by state (single premium deferred fixed annuity form 18IFDAP and ICC18IFDAP/ICC18IFDANP). Guarantees are based on the claims paying ability of Nassau Life and Annuity Company (Hartford, CT). Wesley W. Warren is an independent insurance producer and not an affiliate of Nassau Life and Annuity Company.

“I don’t want to go to your office.” “Your office is too far away.” Not a problem!

We work with many clients by phone, Zoom, email and mail!

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Wesley W. Warren and W. W. Warren Insurance Group, Inc. dba FSS Group will not sell, share or otherwise disseminate any information you provide to us on this website (www.yoursafemoney.net) without your express written consent. Your information is being collected so that we may provide you with the Insider’s Guide to MYGA’s and follow up to answer any questions you may have regarding the products and services we offer, including multi-year guaranteed annuities/MYGA’s. You can easily opt out of any emails we may send to you.


So what is a MYGA?

MYGA is shorthand for Multi-Year Guaranteed Annuity. It is a contract with an insurance company that provides a guaranteed rate of interest for a set number of years, typically, anywhere from two to ten years. Some people might say it is a lot like having a CD with an insurance company, although insurance companies do not offer CD’s. However, there are some advantages over CD’s.

MYGA’s currently have higher rates than bank CD’s1
MYGA’s provide tax-deferral on non-retirement account money2
MYGA’s provide protection from creditors in the state of Texas
MYGA’s bypass probate when you name a natural person(s) as beneficiary
MYGA’s (most) provide for penalty-free withdrawals, unlike CD’s

1 Source: bankrate.com/banking/cds/cd-rates/ 9/29/22; AnnuityRateWatch.com 9/29/22
2 Withdrawals form tax-deferred annuities prior to age 59 ½ may incur a 10% penalty tax

Our promise to you, the consumer:

1.) No high-pressure sales pitch, no spam emails, no harassing phone calls
2.) Free, simple, honest information
3.) The best rate we can find for the guaranty period and benefits you desire (We have contracts with over 50 insurance carriers! https://www.tdi.texas.gov/agent/agent-lookup.html Texas license #845271)
4.) Prompt courteous service
Complete the form for your FREE Report to learn the critical differences between CD’s and MYGA’s or call us at 800-761-8220 or email us at info@fssgroup.net
Rates can change quickly. Please call us to confirm current rates. Your FREE Report will be emailed to you within two business days.

About FSS Group

Since 1974, FSS Group has been providing pre-retirees and retirees with honest advice on retirement and insurance issues. Our family-owned business is an independent distributor of insurance products and can provide MYGA’s of various durations to suit your needs.


Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited. Wesley W. Warren, ChFC®, CLU®, RICP®, dba FSS Group is a licensed insurance agent in the states of AZ, CA, FL, IL, LA, MI, NC, OK, TX and VA. National Producer Number 1233005. This message is not intended for any state where Wesley Warren is not properly licensed. This is not an offer for investments or investment advice.

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