An Overview of Risk Levels in MYG Annuities. ROP, surrender charge, death benefit & Market Value Adj

An Overview of Risk Levels in MYG Annuities

Early or Excess Withdrawal Risk:
Green Level: Offers Return of Premium (ROP) with no surrender charges.

Yellow Level: Offers a non-Market Value Adjustment (non-MVA) surrender charge.

Red Level: Offers Market Value Adjustment (MVA) surrender charges.

Death Benefit Risk:
Green Level: Provides full death benefit.

Yellow Level: Provides continuation or non-MVA surrender on lump sum death claim.

Red Level: Offers 5-10 year annuitization or surrender charge +/- MVA on death claims

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