Best A rated or better
Athene
A+
Athene Max Rate 3
5.75%
compounded annually, guaranteed 3 years
- Free withdrawal
- Interest Only
- Minimum premium
- $100,000
Today's Rates
Fixed Annuities
3 Years
6.50%
Mountain Life (SI)
5 Years
7.00%
Mountain Life (SI)
7 Years
7.10%
Knighthead Life (SI)
10 Years
6.30%
Revol One Financial
5-Yr CD Avg
1.38%
FDIC national avg
Fed Rate
4.00%
Upper target
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We make it easy to compare annuity rates, explore retirement income options, and buy an annuity that fits your goals, all in one place. Get clear information and independent guidance from research through purchase, so you can move forward confidently, on your terms.
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Rates updated October 15, 2026
Today's top annuity rates
Our annuity rates update daily via Annuity Rate Watch's API. For each term we show the strongest carrier, the highest rate, and the best balance of rate and liquidity.
Highest interest rate
Simple Summit 3 (Simple Interest) SI
6.50%
simple interest, about 6.12% compounded
- Free withdrawal
- 5%
- Minimum premium
- $5,000
Best for liquidity and rate
Ibexis
A-
MYGA Plus 3 (Simple Interest) SI
6.15%
simple interest, about 5.81% compounded
- Free withdrawal
- 10%
- Minimum premium
- $100,000
Best A rated or better
Athene
A+
Athene Max Rate 5
6.05%
compounded annually, guaranteed 5 years
- Free withdrawal
- Interest Only
- Minimum premium
- $100,000
Highest interest rate
Simple Summit 5 (Simple Interest) SI
7.00%
simple interest, about 6.19% compounded
- Free withdrawal
- 5%
- Minimum premium
- $5,000
Best for liquidity and rate
Ibexis
A-
MYGA Plus 5 (Simple Interest) SI
6.60%
simple interest, about 5.87% compounded
- Free withdrawal
- 10%
- Minimum premium
- $100,000
Best A rated or better
Milestone Max MYGA 7
6.20%
compounded annually, guaranteed 7 years
- Free withdrawal
- 10%
- Minimum premium
- $75,000
Highest interest rate
Staysail 7 (Simple Interest) SI
7.10%
simple interest, about 5.93% compounded
- Free withdrawal
- None
- Minimum premium
- $100,000
Best for liquidity and rate
Ibexis
A-
MYGA Plus 7 (Simple Interest) SI
6.85%
simple interest, about 5.76% compounded
- Free withdrawal
- 10%
- Minimum premium
- $100,000
Grade after the carrier name is its AM Best rating. SI = simple interest. Rates are subject to change without notice. For illustration purposes only. Guarantees are backed by the claims-paying ability of the issuing insurer.
Annuity types
Which annuity is right for you?
Fixed Annuities
Fixed annuities offer you a safe, guaranteed and tax-deferred way to grow your retirement savings.
See RatesIncome Annuities
Income annuities convert a portion of your retirement savings into guaranteed lifetime income starting immediately or in the future.
Get QuotesFixed Index Annuities
FIAs are a type of fixed annuity contract that credits interest based on the performance of a market index, such as the S&P 500 and protects principal.
Compare Index AnnuitiesTools & calculators
Tools to help you compare and plan
Fixed Annuity Calculator →
See what a guaranteed rate earns over the full term.
Immediate Annuity Calculator →
Get monthly income quotes that start right away.
Income Rider Quotes →
Price guaranteed income that starts at a future date.
Unbiased Annuity Reviews →
Independent reviews of the annuities we compare.
1035 Exchange Guide →
Move an existing annuity to a better rate without a tax bill.
About us
Why people trust My Annuity Store
Licensed in 47 States
We place annuities for residents of 47 states.
Independent Brokerage
We compare 90+ annuity companies and work for you, not a carrier.
Transparent Rates
Every rate shows the carrier's AM Best grade, with annuity ratings explained.
Behavioral-Health-Informed Guidance
Led by a licensed mental health counselor, our process puts your peace of mind first.
No Fees / No Obligations
You pay nothing to compare or buy. The insurance company pays us.
Client reviews
What our clients say
★★★★★ BBB
Sharon B.
Kiara at My Annuity Store was absolutely wonderful to work with! She was efficient, knowledgeable, and incredibly responsive to all of my many questions. She was always available when I needed her and made what initially felt like an overwhelming process much easier. My financial advisor recommended Kiara, and I am so glad he did. After researching all of the different options available, I felt overwhelmed by the choices, but Kiara took the time to explain everything clearly and helped me feel confident that I was making a smart decision with my money. I highly recommend Kiara and My Annuity Store!
★★★★★ BBB
Ralph P.
The process for setting up my annuity was very easy. Communication was quick and to the point. Appreciate the assistance I received and would definitely do business with My Annuity Store again. Thank you.
★★★★★ BBB
Lester W.
Kiara was excellent, she helped me set up two myga's through two different carriers at peak rates. The process takes time at the carrier end, and she kept me informed along the way.
The process
How buying an annuity works
Compare Rates Online
Filter today's rates by term and state. Compare MYGA rates.
Choose Your Carrier
Weigh rate against financial strength across our annuity companies.
Complete Application
Start online in about 10 minutes. A licensed rep confirms the details by phone.
Fund Contract
Transfer by ACH, check or tax-free exchange. See the 1035 exchange rules.
Receive Policy
The carrier issues your contract and your guaranteed rate is locked in.
Featured products
Popular annuity products
MYGA
Athene MaxRate
Multi-year guaranteed annuity from Athene.
View product →
MYGA
Nationwide Secure Growth
Multi-year guaranteed annuity from Nationwide.
View product →
MYGA
Knighthead Staysail
Multi-year guaranteed annuity from Knighthead Life.
View product →
MYGA
Symetra Select Pro 7
Multi-year guaranteed annuity from Symetra.
View product →
Before you buy
Frequently asked questions
Still deciding? Call 855-277-8088 and speak with a licensed rep. No script, no obligation.
What is My Annuity Store?
My Annuity Store is an independent annuity marketplace where you can compare fixed, fixed index and income annuity rates from 90+ insurance companies, then buy online or with a licensed agent. Founded in 2020 by Jason Caudill and led by CEO Kiara Caudill, we are licensed in 47 states and have placed $130 million+ in annuity premium for our clients. Because no single carrier owns us, we show every competitive option side by side and help you choose the one that fits your goals, timeline and state.
How do I find the right annuity for my situation?
If you are unsure what type of annuity you want or need you can use our guided conversational quiz that will lead you to the annuity type that best meets your goals and objectives. If you want to compare rates and features you can visit our annuity rate marketplace and sort our live database by state, rating, liquidity, term, investment amount, and insurance company.
Are there fees to work with My Annuity Store?
No. There is no fee to compare rates, talk with an agent or buy an annuity through us. The insurance company pays us when a policy is placed, and that compensation is built into the product. Your rate is the same as it would be if you bought directly from the carrier.
Which states is My Annuity Store licensed in?
We are licensed to sell annuities in 47 states. Product availability and rates vary by state, so the options we show you will reflect where you live. You can see our full list of states and license numbers on our licensing page, or call 855-277-8088 to confirm availability in your state.
What is a MYGA (Multi-Year Guaranteed Annuity)?
A MYGA is a fixed annuity that locks one guaranteed interest rate for the full term, typically 2 to 10 years. It works much like a CD: you deposit a lump sum, earn a set rate and know exactly what you will have at the end. Unlike a CD, interest grows tax-deferred until you withdraw it.
Is my money safe in an annuity?
Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. That is why we show each carrier's AM Best rating next to its rate. Every state also has a guaranty association that provides additional protection up to state limits. Annuities are not FDIC insured.
How is My Annuity Store compensated?
We are paid a commission by the insurance company when your annuity is issued. You never pay us directly, and the commission does not reduce your rate or your account value. We work with 90+ carriers, so we have no reason to favor one company over another, and no carrier pays for placement.
Can I lose money in a fixed index annuity?
Your principal is protected from index losses. In a year the index falls, you are credited 0% rather than a loss. Growth is limited by caps or participation rates. You can lose money if you withdraw more than the free withdrawal amount during the surrender period, so choose a term that matches when you will need the funds.
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