Estate Planning Specialists promotes fixed annuity with 6.45% guaranteed rate for retirement savings

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Fixed annuity 6.45% rate

Highlights

Estate Planning Specialists relaunched the SWAN annuity via a MYGA offering a 6.45% guaranteed rate, surpassing its previous 6% rate from 30 years ago.
A $100,000 deposit compounding at 6.45% annually could reach $186,834 over 10 years, with the credited rate guaranteed by the issuing insurer for the contract term.
The MYGA allows annual withdrawals of up to 10% without early charges and waives all charges at death, positioning it as a competitive alternative to CDs and money market accounts amid potential rate changes.

Product terms and retirement pitch

As reported by Weiss Ratings, Estate Planning Specialists is reintroducing its so-called SWAN, or Sleep Well At Night, annuity program through a Multi-Year Guaranteed Annuity, known as a MYGA. The firm says the product is aimed at investors who want guaranteed returns on a portion of retirement assets without exposure to daily stock market swings.

The promotion compares the current 6.45% guaranteed rate with the firm's earlier 6% offering from roughly three decades ago, arguing that similar opportunities became harder to find as interest rates fell over time. It also cites long-term volatility in the S&P 500 Index to support the case for shifting some retirement money into fixed insurance products rather than leaving all savings tied to equities.

The material includes an illustration showing that a $100,000 deposit compounding annually at 6.45% could reach $186,834 over 10 years, assuming no withdrawals or taxes. It adds that actual outcomes depend on the guarantee period selected and notes that the credited rate is backed by the issuing insurance company for the applicable term.

Liquidity features and market positioning

The annuity is also marketed around access to capital, a common concern among retirement investors considering insurance-based products. Estate Planning Specialists says the contract allows annual withdrawals of up to 10% without early liquidity charges and states that those charges are waived at death, allowing the full account value to pass to beneficiaries during the liquidity period.

The firm says it has prepared a free information and application kit with details on the insurer, guarantee periods, withdrawal provisions and current rate terms. It also warns that rates can change at any time, framing the offer as a limited-window option for savers comparing returns on CDs, money market accounts and other lower-yield investments.

Our earlier article on the Philippine Social Security System (SSS) detailed how the state pension fund defended its equity strategy by emphasizing long-term realized gains and steady dividend income despite recent unrealized losses. It explained that paper losses reflect temporary market moves unless holdings are sold, and highlighted SSS’s focus on disciplined, diversified investing to manage volatility and sustain returns.

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