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Trusted protection. Lasting ability.

Multi-Year Guaranteed Annuities

Multi-year guaranteed annuities, or MYGAs, offer a pre-determined and contractually guaranteed interest rate over a fixed period, providing contract holders with a low-risk way to save for retirement.

Our ReliAbility™ MYGA is great for people who want simple, predictable growth with no market risk — ideal if you want safe and steady returns.

Want to learn more about annuities? Get the basics →

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Product Brochure

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Rate Sheet

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Benefits of the ReliAbility™ MYGA

  • Circular icon with a counterclockwise arrow in the center, beige and dark blue colors.

    Predictability

    ReliAbility™ provides a fixed income stream during retirement, helping ensure you can cover basic expenses. 

  • Simple illustration of a padlock with a navy blue body and a gold shackle.

    Protection

    Your principal contributions to ReliAbility™ are protected from market downturns, limiting volatility. 

  • A round badge with a gold background and a dark blue border, featuring a dark blue checkmark in the center.

    Guarantees

    ReliAbility™ fixed interest rates offer certainty in how your money grows so there are no surprises.

  • A shield with a navy blue border and a tan center, symbolizing protection or security.

    Security

    ReliAbility™ provides risk-averse investors with a dependable way to save for retirement. 

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Hypothetical Client

Meet Patricia.

She chose our ReliAbility™ MYGA to bolster her retirement plan. See why it was the perfect solution for her.

View Case Study

ReliAbility MYGA is an individual single premium deferred annuity underwritten by Ability Insurance Company and issued under form number series ICC25-MYGA-0001, ICC25-MYGA-0001S, ICC25-MYGA-R-EDBR, ICC25-MYGA-Roth, ICC25-MYGA-IRA, ICC25-MYGA-R-FWRP, and ICC25-MYGA-R-FWREI. Form numbers may vary by state. Product and rider provisions, availability, definitions, and benefits may vary by state. Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. Annuity products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value. Neither Ability Insurance Company nor its agents offer tax or legal advice. For specific tax or legal information, a tax or legal advisor should be consulted. Hypothetical examples are for information only and not indicative of past or future results. Please consult your Ability annuity contract for the actual terms and conditions that apply, including the definitions, limitations and exclusions, and charges. All guarantees, including any optional benefits, are subject to the financial strength and claims-paying ability of Ability Insurance Company.