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Why You Should Never Annuitize a MYGA: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

Release Date: 06/21/2026

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If you own a multi-year guarantee annuity (MYGA) or are thinking about buying one, this episode could save you from a costly mistake. Discover why annuitizing a MYGA internally is rarely in your best interest—and how a simple MYGA-to-SPIA strategy can unlock the highest contractual guarantees for your retirement income.

  

In this episode, The Annuity Man discussed: 

  • Definition and purpose of a MYGA (multi-year guarantee annuity)

  • Why internal annuitization quotes are usually uncompetitive

  • The MYGA-to-SPIA strategy using a 1035 exchange

  • Focusing on contractual guarantees over brands and brochures

  • Using an independent quoting process across all carriers

 

Key Takeaways: 

  • A MYGA is best used as a principal protection tool with a guaranteed interest rate, not as a product you annuitize internally for lifetime income.

  • Internal annuitization quotes from MYGA and other deferred annuity carriers are typically uncompetitive compared to independently quoted single premium immediate annuities.

  • A MYGA-to-SPIA approach—using a 1035 exchange to move from a matured MYGA into the highest paying immediate annuity—can help secure superior lifetime income guarantees.

  • The smartest annuity decisions are made by focusing on contractual guarantees instead of company names, product labels, or glossy marketing materials.

  • Relying on a broad, apples-to-apples quote across highly rated carriers helps avoid lazy or biased recommendations that may cost you long-term income.

 

"With annuities, you're buying it for the contractual guarantees. Period." —  Stan The Annuity Man

 

Connect with The Annuity Man: 

Website: http://theannuityman.com/ 

Email: [email protected] 

Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 

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