Fixed Annuity (MYGA)
Fixed Annuity Rates
Lock in a guaranteed rate for a set term. Great for safe growth and predictable planning.
Today’s Best Annuity Rates
We update rates regularly. Availability and rates vary by state and product. Get a personalized quote for your state.
Fixed Index Annuity
Fixed Index Annuity (FIA) Rates
Index-linked growth with principal protection. Compare caps, participation rates, and rider options.
Considering income soon? Try our Immediate Annuity Calculator.
Annuity Types, Plain and Simple
Fixed Annuities (MYGAs)
MYGAs offer a guaranteed interest rate for a set term–like a CD from an insurance company, with potential tax deferral and flexible income options later.
- Terms typically 3–10 years
- Rate is guaranteed for the full term
- 10% free withdrawal most years (varies by contract)
Best For
- Parking cash safely for a known time horizon
- Higher yields than many CDs and savings accounts
- Simplicity and predictable growth
Fixed Index Annuities (FIAs)
FIAs credit interest based on index performance, with caps or participation rates, while protecting principal from market losses.
- Growth linked to an index with downside protection
- Optional income riders for lifetime income
- Flexible crediting methods and time horizons
Best For
- Protected growth with some market-linked upside
- Bridging the gap to retirement income
- Those who value principal protection
Immediate Income Annuities
Convert a lump sum into a guaranteed income stream that starts right away (or within 12 months), for life or a set period.
- Predictable paycheck you can’t outlive (life option)
- Customizable with cash refund or period certain
- Rates depend on age, gender, and state
Best For
- Turning savings into a steady retirement paycheck
- Longevity protection
- Simplicity vs managing market volatility
Run Your Numbers
Immediate Annuity Calculator
Estimate monthly income based on your age, state, and premium.
Open CalculatorIncome Rider Calculator
Explore how rider fees and roll-up rates affect income later.
Open CalculatorInsurer Financial Strength
We prioritize highly rated carriers. Review AM Best, S&P, Moody’s, and Fitch ratings before you decide.
Fixed annuities are backed by the insurer’s financial strength. State guaranty rules may apply; limits vary by state.
FAQs
How often do annuity rates change?
Carriers can update rates weekly or monthly, and sometimes more frequently when interest markets move. Always check the “Updated” date and get a personalized quote for your state and premium amount.
Are MYGA rates guaranteed for the entire term?
Yes. With multi‑year guaranteed annuities, your rate is fixed for the full term you select.
What if I need access to my money?
Most MYGAs include a 10% free withdrawal after the first year. Withdrawals above that may be subject to surrender charges during the term.
Are FIAs safe if the market drops?
Yes, fixed index annuities protect principal from market losses. Interest credits depend on index performance and the contract’s cap or participation rate.
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