Best Fixed Annuity Rates | March 22, 2023

Today's Best Annuity Rates

As of March 20, 2023, Ibexis offers the best fixed annuity rate of 5.80%* for a 5 year fixed annuity. Fixed annuities provide a guaranteed rate for a specified period of time and are often referred to as a “CD Type Annuity” because of their similarities to a Certificate of Deposit.

Best Fixed Annuity Rates Today by Term

Term	Company Details	Annuity	Rate	AM Best	Application
1 Year	Clear Spring	Preserve MYGA	4.30%	A-	Apply
2 Years	SILAC	Secure Savings Elite	5.00%	B+	Apply
3 Years	Atlantic Coast Life	Safe Haven	5.63%	B++	Apply
4 Years	Nassau	Simple Annuity	5.25%	B++	Apply
5 Years	Ibexis	MYGA Plus	5.80% Simple	A-	Apply
6 Years	Nassau	Simple Annuity	5.50%	B++	Apply
7 Years	Aspida	Synergy Choice	5.60%	A-	Apply
8 Years	American National	Palladium MYG	5.30%	A	Apply
9 Years	American National	Palladium MYG	5.30%	A	Apply
10 Years	American National	Palladium MYG	5.30%	A	Apply

*NOTE: Click on the insurance company or annuity product name for more details. You can find fixed index annuity rates here if you are looking for them instead.

Best 3 Year Annuity Rates

Atlantic Coast Life currently has the best 3 year fixed annuity rate of 5.63%.

Term		Annuity	Rate	AM Best	Apply Online
3 Years	Atlantic Coast Life	Safe Haven	5.63%	B++	Apply
3 Years	Farmers Life	Safeguard Plus	5.50%	B++	Apply
3 Years	SILAC	Secure Savings Elite	5.50%	B+	Apply
3 Years	American Life	American Classic	5.35%	B++	Apply

Best 5 Year Fixed Annuity Rates

The best 5 year fixed annuity rate today is 5.80% available in the Ibexis MYGA Plus Annuity.

Term		Annuity	Rate	AM Best
5 Years	Ibexis Life	Ibexis MYGA Plus	5.80% Simple	A-	Apply
5 Years	Farmers Life	Safeguard Plus	5.75%	B++	Apply
5 Years	Atlantic Coast Life	Safe Haven 5	5.55%	B++	Apply
5 Years	ASPIDA	Synergy Choice	5.50%	A-	Apply
5 Years	AMERICO	Platinum Assure	5.40%	A	Apply

Free Annuity Quote

Fill out the form below to receive a free annuity quote within 4 business hours, or use one of our annuity calculators.

Best 7 Year Annuity Rates

As of March 20, 2023, the best 7 year fixed annuity rate is 5.60% offered by ASPIDA Life Insurance Company.

Term		Annuity	Rate	AM Best	Apply
7 Years	ASPIDA	Synergy Choice	5.60%	A-	Apply
7 Years	Atlantic Coast Life	Safe Harbor	5.54%	B++	Apply
7 Years	Farmers Life	Safeguard Plus	5.45%	B++	Apply
7 Years	AMERICO	Platinum Assure	5.30%	A	Apply

Best 10 Year Annuity Rates

American National currently offers the best 10 year fixed annuity rate of 5.30% as of March 20, 2023.

Term	Insurer Review	Annuity	Rate	AM Best	Application
10 Years	American National	Palladium MYG	5.30%	A	Apply
10 Years	Sentinel Security	Personal Choice	5.25%	B++	Apply
10 Years	Atlantic Coast Life	Safe Haven	5.25%	B++	Apply
10 Years	Oxford Life	Multi-Select	5.25%	A	Apply

Search All Fixed Annuity Rates

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AM Best Ratings:

Years	Rating	Annuity Company	Annuity	Rate	Withdrawals	Minimum
1 yrs	A-	Clear Spring Life	Preserve MYGA 1	4.40%	0% / 10%	$250K+
1 yrs	A-	Clear Spring Life	Preserve MYGA 1	4.30%	0% / 10%	$10K+
2 yrs	B+	SILAC	Secure Savings Elite 2	5.00%	0% / 0%	$10K+
2 yrs	A-	Clear Spring Life	Preserve MYGA 2	4.60%	0% / 10%	$250K+
2 yrs	A-	Aspida	Synergy Choice 2	4.55%	0% / 0%	$100K+
2 yrs	A-	Oceanview Life and Annuity	Harbourview 2	4.55%	0% / 10%	$80K+
2 yrs	A-	Clear Spring Life	Preserve MYGA 2	4.50%	0% / 10%	$10K+
2 yrs	A-	Oceanview Life and Annuity	Harbourview 2 (CA)	4.45%	0% / 10%	$80K+
2 yrs	A-	GBU Life	Assetguard Select 2	4.40%	10% / 10%	$100K+
2 yrs	A-	Aspida	Synergy Choice 2	4.40%	0% / 0%	$25K+
2 yrs	A	Americo	Platinum Assure 2	4.40%	3% / 3%	$25K+
2 yrs	B++	CL Life	CL Sundance 2	4.30%	0% / 0%	$20K+
2 yrs	A-	GBU Life	Assetguard Select 2	4.30%	10% / 10%	$25K+
2 yrs	B+	SILAC	Secure Savings Elite 2 (FL)	4.30%	0% / 0%	$10K+
2 yrs	A-	Oceanview Life and Annuity	Harbourview 2	4.20%	0% / 10%	$20K+
2 yrs	A-	Oceanview Life and Annuity	Harbourview 2 (CA)	4.10%	0% / 10%	$20K+
2 yrs	B+	SILAC	Secure Savings 2 Year	2.60%	Int / 5%	$10K+
3 yrs	B++	Atlantic Coast Life	Safe Haven 3	5.63%	0% / 0%	$5K+
3 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 3	5.60%	0% / 0%	$3K+
3 yrs	B++	American Life	American Classic 3 (No Liquidity)	5.51%	0% / 0%	$1K+
3 yrs	B++	CL Life	CL Sundance 3	5.50%	0% / 5%	$20K+
3 yrs	B++	Farmers Life Insurance Company	Farmers Safeguard Plus 3	5.50%	Int / Int	$10K+
3 yrs	B+	SILAC	Secure Savings Elite 3	5.50%	0% / 0%	$10K+
3 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 3 (CA, FL)	5.40%	0% / 0%	$3K+
3 yrs	B++	Atlantic Coast Life	Safe Haven 3 - 86-90	5.38%	0% / 0%	$5K+
3 yrs	B++	Atlantic Coast Life	Safe Haven 3 FL	5.38%	0% / 0%	$5K+
3 yrs	B++	American Life	American Classic 3 Year	5.35%	0% / 10%	$1K+
3 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 3 MN	5.30%	0% / 0%	$3K+
3 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 3 86-90	5.25%	0% / 0%	$3K+
3 yrs	A-	Aspida	Synergy Choice 3	5.25%	0% / 0%	$100K+
3 yrs	A	Royal Neighbors of America	MYGA 3 Year	5.20%	Int / Int	$100K+
3 yrs	A	Royal Neighbors of America	MYGA 3 Year	5.10%	Int / Int	$10K+
3 yrs	A	Royal Neighbors of America	MYGA 3 Year CA	5.10%	Int / Int	$100K+
3 yrs	A-	Aspida	Synergy Choice 3	5.10%	0% / 0%	$25K+
3 yrs	A-	Ibexis	MYGA Plus 3 (Simple Interest)	5.00%	0% / 10%	$100K+
3 yrs	A	Royal Neighbors of America	MYGA 3 Year CA	5.00%	Int / Int	$10K+
3 yrs	A-	Oceanview Life and Annuity	Harbourview 3	5.00%	0% / 10%	$80K+
3 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 3 MN 86-90	4.95%	0% / 0%	$3K+
3 yrs	A-	Oceanview Life and Annuity	Harbourview 3 (CA)	4.90%	0% / 10%	$80K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3	4.90%	0% / 5%	$100K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3	4.90%	0% / 5%	$250K+
3 yrs	A-	Clear Spring Life	Preserve MYGA 3	4.90%	0% / 10%	$250K+
3 yrs	A	Oxford Life Insurance Company	Multi-Select 3	4.85%	Int / 10%	$20K+
3 yrs	A-	Ibexis	MYGA Plus 3 (Simple Interest)	4.81%	0% / 10%	$10K+
3 yrs	A-	Delaware Life	Pinnacle MYGAsm 3 Year	4.80%	0% / 10%	$10K+
3 yrs	A-	Delaware Life	Pinnacle MYGAsm 3 Year (DE & FL)	4.80%	0% / 10%	$10K+
3 yrs	A-	Clear Spring Life	Preserve MYGA 3	4.80%	0% / 10%	$10K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3	4.80%	0% / 5%	$10K+
3 yrs	A	Pacific Guardian Life	Diamond Head 3	4.80%	10% / 10%	$10K+
3 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 3	4.70%	0% / 10%	$250K+
3 yrs	A	The Standard	Multi-Choice 3	4.70%	0% / 0%	$100K+
3 yrs	A-	Liberty Bankers Life	Bankers Elite 3	4.70%	0% / 0%	$10K+
3 yrs	B++	EquiTrust Life Insurance Company	Certainty Select 3	4.70%	Int / Int	$10K+
3 yrs	A	American National Insurance Company	Palladium MYG Annuity 3	4.70%	10% / 10%	$250K+
3 yrs	A	The Standard	Focused Growth Annuity 3	4.65%	0% / 0%	$100K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3	4.65%	0% / 10%	$100K+
3 yrs	A	The Standard	Multi-Choice 3 Interest Only Withdrawals	4.65%	Int / Int	$100K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3 (Non MVA)	4.65%	0% / 5%	$100K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3 (Non MVA)	4.65%	0% / 5%	$250K+
3 yrs	A-	Oceanview Life and Annuity	Harbourview 3	4.65%	0% / 10%	$20K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 FL	4.65%	0% / 10%	$100K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 CA	4.60%	0% / 10%	$100K+
3 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 3	4.60%	0% / 10%	$100K+
3 yrs	A	The Standard	Multi-Choice 3 10% Withdrawal Provision	4.60%	0% / 10%	$100K+
3 yrs	A	The Standard	Multi-Choice 3	4.60%	0% / 0%	$15K+
3 yrs	A-	GBU Life	Assetguard Select 3	4.60%	10% / 10%	$100K+
3 yrs	A+	North American Company	NAC Guarantee Plus 3	4.60%	0% / Int	$100K+
3 yrs	A	Athene IA	Athene Max Rate 3	4.60%	Int / Int	$100K+
3 yrs	A	Athene IA	Athene Max Rate 3 (state specific)	4.60%	Int / Int	$100K+
3 yrs	A	The Standard	Focused Growth Annuity 3	4.55%	0% / 0%	$15K+
3 yrs	A	American National Insurance Company	Palladium MYG Annuity 3	4.55%	10% / 10%	$100K+
3 yrs	A	American National Insurance Company	Palladium MYG Annuity 3	4.55%	10% / 10%	$100K+
3 yrs	A-	Oceanview Life and Annuity	Harbourview 3 (CA)	4.55%	0% / 10%	$20K+
3 yrs	A	The Standard	Multi-Choice 3 Interest Only Withdrawals	4.55%	Int / Int	$15K+
3 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 3 (Non MVA)	4.55%	0% / 5%	$10K+
3 yrs	A	Americo	Platinum Assure 3	4.55%	3% / 3%	$25K+
3 yrs	B+	The Ohio State Life Insurance Company	Nex3	4.50%	0% / 0%	$10K+
3 yrs	B+	SILAC	Secure Savings Elite 3 (FL)	4.50%	0% / 0%	$10K+
3 yrs	A	The Standard	Multi-Choice 3 10% Withdrawal Provision	4.50%	0% / 10%	$15K+
3 yrs	A	The Standard	Multi-Choice 3 10% Withdrawal Provision ROP	4.50%	0% / 10%	$100K+
3 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 3	4.50%	10% / 10%	$100K+
3 yrs	A-	Fidelity & Guaranty Life	FG Guarantee-Platinum 3	4.50%	Int / Int	$20K+
3 yrs	A+	Securian Financial	SecureOption Choice 3	4.50%	0% / 10%	$100K+
3 yrs	A	American National Insurance Company	Palladium MYG Annuity 3	4.45%	10% / 10%	$5K+
3 yrs	A	American National Insurance Company	Palladium MYG Annuity 3	4.45%	10% / 10%	$5K+
3 yrs	A-	Liberty Bankers Life	Bankers 3	4.45%	Int / Int	$10K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3	4.40%	0% / 10%	$50K+
3 yrs	A+	Securian Financial	SecureOption Choice 3 CA	4.40%	10% / 10%	$100K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 FL	4.40%	0% / 10%	$50K+
3 yrs	A	The Standard	Multi-Choice 3 10% Withdrawal Provision ROP	4.40%	0% / 10%	$15K+
3 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 3	4.35%	0% / 10%	$10K+
3 yrs	A-	GBU Life	Assetguard Select 3	4.35%	10% / 10%	$25K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 CA	4.35%	0% / 10%	$50K+
3 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 3	4.35%	10% / 10%	$10K+
3 yrs	A+	Securian Financial	SecureOption Choice 3	4.35%	0% / 10%	$25K+
3 yrs	A	Athene IA	Athene Max Rate 3 (state specific)	4.35%	Int / Int	$10K+
3 yrs	A	Athene IA	Athene Max Rate 3	4.35%	Int / Int	$10K+
3 yrs	A+	Securian Financial	SecureOption Choice 3 CA	4.25%	10% / 10%	$25K+
3 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 3 Non-MVA	4.25%	10% / 10%	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Max 3	4.25%	Int / Int	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Max 3	4.25%	Int / Int	$250K+
3 yrs	A+	North American Company	NAC Guarantee Plus 3	4.15%	0% / Int	$20K+
3 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 3 Non-MVA	4.10%	10% / 10%	$10K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3	4.10%	15% / 15%	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3	4.10%	15% / 15%	$250K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3	4.00%	10% / 10%	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3	4.00%	10% / 10%	$250K+
3 yrs	A	Global Atlantic Financial Group	SecureFore 3	4.00%	10% / 10%	$100K+
3 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 3 MYGA - NY	3.95%	Int / Int	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Max 3	3.90%	Int / Int	$50K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Max 3	3.85%	Int / Int	$10K+
3 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 3 MYGA - NY	3.85%	Int / Int	$5K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3	3.75%	15% / 15%	$50K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3 GROP	3.75%	15% / 15%	$250K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3 GROP	3.70%	15% / 15%	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3	3.70%	15% / 15%	$10K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3	3.65%	0% / 10%	$15K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3	3.65%	10% / 10%	$50K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 FL	3.65%	0% / 10%	$15K+
3 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 3 CA	3.60%	0% / 10%	$15K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3	3.60%	10% / 10%	$25K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3 GROP	3.60%	10% / 10%	$100K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3 GROP	3.60%	10% / 10%	$250K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3 GROP	3.55%	15% / 15%	$50K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 3 GROP	3.50%	15% / 15%	$10K+
3 yrs	A	Global Atlantic Financial Group	SecureFore 3	3.50%	10% / 10%	$10K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3 GROP	3.45%	10% / 10%	$50K+
3 yrs	A	Symetra Life Insurance Company	Symetra Select 3 GROP	3.40%	10% / 10%	$25K+
3 yrs	A	American National Life Insurance Company of NY	Palladium MYG 3 NY	3.30%	Int / 10%	$250K+
3 yrs	A	American National Life Insurance Company of NY	Palladium MYG 3 NY	3.15%	Int / 10%	$100K+
3 yrs	B+	SILAC	Secure Savings 3 Year	3.15%	Int / 5%	$10K+
3 yrs	A	American National Life Insurance Company of NY	Palladium MYG 3 NY	3.05%	Int / 10%	$5K+
3 yrs	B++	Investors Heritage	Heritage Builder Annuity 3	2.75%	Int / 10%	$25K+
4 yrs	B++	Nassau Life and Annuity Company	Nassau Simple Annuity 4	5.25%	5% / 5%	$5K+
4 yrs	A-	Oceanview Life and Annuity	Harbourview 4	5.10%	0% / 10%	$80K+
4 yrs	A	Americo	Platinum Assure 4	5.05%	5% / 5%	$25K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4	5.00%	0% / 5%	$100K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4	5.00%	0% / 5%	$250K+
4 yrs	A	Oxford Life Insurance Company	Multi-Select 4	5.00%	Int / 10%	$20K+
4 yrs	A-	Oceanview Life and Annuity	Harbourview 4 (CA)	4.95%	0% / 10%	$80K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4	4.90%	0% / 5%	$10K+
4 yrs	A-	Clear Spring Life	Preserve MYGA 4	4.90%	0% / 10%	$250K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 FL	4.85%	0% / 10%	$100K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4	4.85%	0% / 10%	$100K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 CA	4.80%	0% / 10%	$100K+
4 yrs	A	Pacific Guardian Life	Diamond Head 4	4.80%	10% / 10%	$10K+
4 yrs	A-	Clear Spring Life	Preserve MYGA 4	4.80%	0% / 10%	$10K+
4 yrs	A-	GBU Life	Assetguard Select 4	4.75%	10% / 10%	$100K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4 (Non MVA)	4.75%	0% / 5%	$100K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4 (Non MVA)	4.75%	0% / 5%	$250K+
4 yrs	A-	Oceanview Life and Annuity	Harbourview 4	4.75%	0% / 10%	$20K+
4 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 4 (Non MVA)	4.65%	0% / 5%	$10K+
4 yrs	A-	Oceanview Life and Annuity	Harbourview 4 (CA)	4.60%	0% / 10%	$20K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4	4.60%	0% / 10%	$50K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 FL	4.60%	0% / 10%	$50K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 CA	4.55%	0% / 10%	$50K+
4 yrs	A-	GBU Life	Assetguard Select 4	4.55%	10% / 10%	$25K+
4 yrs	A	AIG	American Pathway VisionMYG 4	4.25%	0% / 15%	$100K+
4 yrs	A+	National Integrity Life Insurance	MultiVantage 4	4.10%	10% / 10%	$20K+
4 yrs	A+	Integrity Life Insurance Company	MultiVantage 4	4.10%	10% / 10%	$20K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4	4.05%	0% / 10%	$15K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 FL	4.05%	0% / 10%	$15K+
4 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 4 CA	4.00%	0% / 10%	$15K+
4 yrs	A	AIG	American Pathway VisionMYG 4	3.00%	0% / 15%	$10K+
5 yrs	B++	Farmers Life Insurance Company	Farmers Safeguard Plus 5	5.75%	Int / Int	$10K+
5 yrs	B++	CL Life	CL Sundance 5	5.75%	0% / 5%	$20K+
5 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 5	5.55%	0% / 0%	$3K+
5 yrs	B++	Atlantic Coast Life	Safe Haven 5	5.55%	0% / 0%	$5K+
5 yrs	B++	American Life	American Classic 5 (No Liquidity)	5.53%	0% / 0%	$1K+
5 yrs	B++	Nassau Life and Annuity Company	Nassau MYAnnuity 5X 0% Free	5.50%	0% / 0%	$10K+
5 yrs	A	SBLI -Savings Bank Life Insurance of MA	ECAccumulate	5.50%	5% / 5%	$25K+
5 yrs	A-	Aspida	Synergy Choice 5	5.50%	0% / 0%	$100K+
5 yrs	B++	Atlantic Coast Life	Safe Haven 5 FL	5.45%	0% / 0%	$5K+
5 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 5 (CA, FL)	5.45%	0% / 0%	$3K+
5 yrs	A	American National Insurance Company	Palladium MYG Annuity 5	5.40%	10% / 10%	$250K+
5 yrs	A	Americo	Platinum Assure 5 CA	5.40%	10% / 10%	$25K+
5 yrs	B++	American Life	American Classic 5 Year	5.40%	0% / 10%	$1K+
5 yrs	A	Americo	Platinum Assure 5	5.40%	5% / 5%	$25K+
5 yrs	A-	Aspida	Synergy Choice 5	5.35%	0% / 0%	$25K+
5 yrs	B+	SILAC	Secure Savings Elite 5	5.35%	0% / 0%	$10K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5	5.30%	0% / 10%	$100K+
5 yrs	B++	Atlantic Coast Life	Safe Haven 5 - 86-90	5.30%	0% / 0%	$5K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 FL	5.30%	0% / 10%	$100K+
5 yrs	B++	Nassau Life and Annuity Company	Nassau MYAnnuity 5X 10% Free	5.30%	10% / 10%	$10K+
5 yrs	A	Royal Neighbors of America	MYGA 5 Year	5.30%	Int / Int	$100K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 CA	5.25%	0% / 10%	$100K+
5 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 5 MN	5.25%	0% / 0%	$3K+
5 yrs	A	American National Insurance Company	Palladium MYG Annuity 5	5.25%	10% / 10%	$100K+
5 yrs	A	American National Insurance Company	Palladium MYG Annuity 5	5.25%	10% / 10%	$100K+
5 yrs	A+	National Life Group	RetireMax Secure 5	5.25%	0% / 10%	$100K+
5 yrs	A-	Ibexis	MYGA Plus 5 (Simple Interest)	5.22%	0% / 10%	$100K+
5 yrs	A	Athene IA	Athene Max Rate 5	5.20%	Int / Int	$100K+
5 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 5 86-90	5.20%	0% / 0%	$3K+
5 yrs	B++	Nassau Life Insurance Company (NY)	MYAnnuity 5X 0% Free	5.20%	0% / 0%	$10K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5	5.20%	0% / 5%	$100K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5	5.20%	0% / 5%	$250K+
5 yrs	A	Royal Neighbors of America	MYGA 5 Year	5.20%	Int / Int	$10K+
5 yrs	A	Royal Neighbors of America	MYGA 5 Year CA	5.20%	Int / Int	$100K+
5 yrs	A	Athene IA	Athene Max Rate 5 (state specific)	5.15%	Int / Int	$100K+
5 yrs	A	American National Insurance Company	Palladium MYG Annuity 5	5.15%	10% / 10%	$5K+
5 yrs	A	American National Insurance Company	Palladium MYG Annuity 5	5.15%	10% / 10%	$5K+
5 yrs	A+	National Life Group	Green Mountain Freedom 5	5.15%	0% / 10%	$100K+
5 yrs	A-	Fidelity & Guaranty Life	FG Guarantee-Platinum 5	5.10%	Int / Int	$20K+
5 yrs	A	Oxford Life Insurance Company	Multi-Select 5	5.10%	Int / 10%	$20K+
5 yrs	A	Royal Neighbors of America	MYGA 5 Year CA	5.10%	Int / Int	$10K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5	5.10%	0% / 5%	$10K+
5 yrs	A-	Oceanview Life and Annuity	Harbourview 5	5.10%	0% / 10%	$80K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 FL	5.05%	0% / 10%	$50K+
5 yrs	A	The Standard	Multi-Choice 5	5.05%	0% / 0%	$100K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5	5.05%	0% / 10%	$50K+
5 yrs	A-	Ibexis	MYGA Plus 5 (Simple Interest)	5.02%	0% / 10%	$10K+
5 yrs	B+	The Ohio State Life Insurance Company	Nex5	5.00%	0% / 0%	$10K+
5 yrs	A	The Standard	Focused Growth Annuity 5	5.00%	0% / 0%	$100K+
5 yrs	B++	Nassau Life Insurance Company (NY)	MYAnnuity 5X 10%/Free	5.00%	10% / 10%	$10K+
5 yrs	B++	EquiTrust Life Insurance Company	Certainty Select 5	5.00%	Int / Int	$10K+
5 yrs	A	The Standard	Multi-Choice 5 Interest Only Withdrawals	5.00%	Int / Int	$100K+
5 yrs	A-	GBU Life	Assetguard Select 5	5.00%	10% / 10%	$100K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 CA	5.00%	0% / 10%	$50K+
5 yrs	A-	Oceanview Life and Annuity	Harbourview 5 (CA)	4.95%	0% / 10%	$80K+
5 yrs	A	The Standard	Multi-Choice 5 10% Withdrawal Provision	4.95%	0% / 10%	$100K+
5 yrs	A	The Standard	Multi-Choice 5	4.95%	0% / 0%	$15K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5 (Non MVA)	4.95%	0% / 5%	$100K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5 (Non MVA)	4.95%	0% / 5%	$250K+
5 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 5	4.95%	0% / 10%	$250K+
5 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 5	4.90%	0% / 10%	$100K+
5 yrs	A	The Standard	Multi-Choice 5 Interest Only Withdrawals	4.90%	Int / Int	$15K+
5 yrs	A-	Liberty Bankers Life	Bankers Elite 5	4.90%	0% / 0%	$10K+
5 yrs	A-	Clear Spring Life	Preserve MYGA 5	4.90%	0% / 10%	$250K+
5 yrs	A	The Standard	Focused Growth Annuity 5	4.90%	0% / 0%	$15K+
5 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 5 MN 86-90	4.90%	0% / 0%	$3K+
5 yrs	A-	Delaware Life	Pinnacle MYGAsm 5 Year	4.85%	0% / 10%	$10K+
5 yrs	A-	Delaware Life	Pinnacle MYGAsm 5 Year (DE & FL)	4.85%	0% / 10%	$10K+
5 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 5	4.85%	10% / 10%	$100K+
5 yrs	A	The Standard	Multi-Choice 5 10% Withdrawal Provision	4.85%	0% / 10%	$15K+
5 yrs	A	The Standard	Multi-Choice 5 10% Withdrawal Provision ROP	4.85%	0% / 10%	$100K+
5 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 5 (Non MVA)	4.85%	0% / 5%	$10K+
5 yrs	A+	Mutual of Omaha	Ultra Premier 5	4.85%	10% / 10%	$25K+
5 yrs	A-	GBU Life	Assetguard Select 5	4.80%	10% / 10%	$25K+
5 yrs	A	Pacific Guardian Life	Diamond Head 5	4.80%	10% / 10%	$10K+
5 yrs	A-	Clear Spring Life	Preserve MYGA 5	4.80%	0% / 10%	$10K+
5 yrs	A-	Liberty Bankers Life	Bankers 5 Premier Plus	4.80%	Int / Int	$10K+
5 yrs	A-	Liberty Bankers Life	Bankers 5 Premier	4.80%	Int / Int	$10K+
5 yrs	A	Athene IA	Athene Max Rate 5	4.80%	Int / Int	$10K+
5 yrs	A	Athene IA	Athene Max Rate 5 (state specific)	4.75%	Int / Int	$10K+
5 yrs	A++	Reliance Standard Life	Eleos MVA	4.75%	10% / 10%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Max 5	4.75%	Int / Int	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Max 5	4.75%	Int / Int	$250K+
5 yrs	A	The Standard	Multi-Choice 5 10% Withdrawal Provision ROP	4.75%	0% / 10%	$15K+
5 yrs	A++	Reliance Standard Life	Reliance Guarantee - 5	4.75%	10% / 10%	$20K+
5 yrs	A-	Oceanview Life and Annuity	Harbourview 5	4.75%	0% / 10%	$20K+
5 yrs	A+	North American Company	NAC Guarantee Plus 5	4.70%	0% / Int	$100K+
5 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 5 MYGA - NY	4.70%	Int / Int	$100K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 MVA	4.70%	10% / 10%	$100K+
5 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 5	4.70%	10% / 10%	$10K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5	4.65%	10% / 10%	$100K+
5 yrs	A+	Protective Life	Secure Saver 5	4.65%	10% / 10%	$75K+
5 yrs	A-	American Equity Investment Life Insurance Company	GuaranteeShield 5	4.65%	0% / 10%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Max 5	4.60%	Int / Int	$50K+
5 yrs	A-	Oceanview Life and Annuity	Harbourview 5 (CA)	4.60%	0% / 10%	$20K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 FL	4.60%	0% / 10%	$15K+
5 yrs	B+	SILAC	Secure Savings Elite 5 (FL)	4.60%	0% / 0%	$10K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 (NY)	4.60%	10% / 10%	$100K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5	4.60%	0% / 10%	$15K+
5 yrs	A++	Reliance Standard Life	Eleos SP	4.60%	10% / 10%	$10K+
5 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 5 No MVA	4.55%	10% / 10%	$100K+
5 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 5 CA	4.55%	0% / 10%	$15K+
5 yrs	A	AIG	American Pathway VisionMYG 5	4.50%	0% / 15%	$100K+
5 yrs	A-	Liberty Bankers Life	Bankers 5	4.50%	Int / Int	$10K+
5 yrs	A+	Mutual of Omaha	Ultra - Secure Plus 5	4.50%	10% / 10%	$50K+
5 yrs	A	AIG	American Pathway Fixed 5 Annuity - No GROP with MVA	4.50%	Int / 15%	$100K+
5 yrs	A+	Securian Financial	SecureOption Choice 5	4.50%	0% / 10%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5	4.50%	15% / 15%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5	4.50%	15% / 15%	$250K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 ROP	4.45%	10% / 10%	$100K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 MVA	4.45%	10% / 10%	$10K+
5 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 5 No MVA	4.45%	10% / 10%	$10K+
5 yrs	A+	Protective Life	Secure Saver 5	4.45%	10% / 10%	$25K+
5 yrs	A+	North American Company	NAC Guarantee Plus 5	4.45%	0% / Int	$20K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Max 5	4.40%	Int / Int	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5	4.40%	10% / 10%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5	4.40%	10% / 10%	$250K+
5 yrs	A+	Securian Financial	SecureOption Choice 5 CA	4.40%	10% / 10%	$100K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 ROP (NY)	4.40%	10% / 10%	$100K+
5 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 5 MYGA - NY	4.40%	Int / Int	$5K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5	4.35%	10% / 10%	$10K+
5 yrs	A+	Securian Financial	SecureOption Choice 5	4.35%	0% / 10%	$25K+
5 yrs	A+	Mutual of Omaha	Ultra - Secure Plus 5	4.35%	10% / 10%	$5K+
5 yrs	A	Global Atlantic Financial Group	SecureFore 5	4.35%	10% / 10%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5	4.35%	15% / 15%	$50K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 (NY)	4.30%	10% / 10%	$10K+
5 yrs	A+	Securian Financial	SecureOption Choice 5 CA	4.25%	10% / 10%	$25K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5	4.25%	10% / 10%	$50K+
5 yrs	A	The United States Life Insurance Co. (NY)	American Pathway SolutionsMYG 5	4.25%	Int / 15%	$100K+
5 yrs	A		First Symetra Custom 5	4.25%	10% / 10%	$100K+
5 yrs	A		First Symetra Custom 5	4.25%	10% / 10%	$250K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5	4.15%	15% / 15%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5 GROP	4.10%	15% / 15%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5 GROP	4.10%	15% / 15%	$250K+
5 yrs	A		First Symetra Custom 5	4.10%	10% / 10%	$50K+
5 yrs	A	AIG	American Pathway Fixed 5 Annuity - GROP with MVA	4.10%	Int / 15%	$100K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 ROP	4.10%	10% / 10%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5	4.05%	10% / 10%	$25K+
5 yrs	A+	Nationwide Life Insurance Company	Secure Growth 5 ROP (NY)	4.05%	10% / 10%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5 GROP	4.00%	10% / 10%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5 GROP	4.00%	10% / 10%	$250K+
5 yrs	A	AIG	American Pathway Fixed 5 Annuity - No GROP	4.00%	Int / 15%	$100K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 5 GROP	3.95%	15% / 15%	$50K+
5 yrs	A		First Symetra Custom 5	3.90%	10% / 10%	$25K+
5 yrs	A+	Integrity Life Insurance Company	MultiVantage 5	3.90%	10% / 10%	$20K+
5 yrs	A+	National Integrity Life Insurance	MultiVantage 5	3.90%	10% / 10%	$20K+
5 yrs	A		First Symetra Custom 5 (ROP)	3.85%	10% / 10%	$100K+
5 yrs	A		First Symetra Custom 5 (ROP)	3.85%	10% / 10%	$250K+
5 yrs	A	AIG	American Pathway Fixed 5 Annuity - GROP	3.85%	Int / 15%	$100K+
5 yrs	A	Global Atlantic Financial Group	SecureFore 5	3.85%	10% / 10%	$10K+
5 yrs	A	Symetra Life Insurance Company	Symetra Select 5 GROP	3.85%	10% / 10%	$50K+
6 yrs	B++	Atlantic Coast Life	Safe Haven 6	5.52%	0% / 0%	$5K+
6 yrs	B++	Nassau Life and Annuity Company	Nassau Simple Annuity 6	5.50%	5% / 5%	$5K+
6 yrs	A	American National Insurance Company	Palladium MYG Annuity 6	5.45%	10% / 10%	$250K+
6 yrs	B++	Atlantic Coast Life	Safe Haven 6 FL	5.42%	0% / 0%	$5K+
6 yrs	A	Oxford Life Insurance Company	Multi-Select 6	5.35%	Int / 10%	$20K+
6 yrs	A	American National Insurance Company	Palladium MYG Annuity 6	5.30%	10% / 10%	$100K+
6 yrs	A	American National Insurance Company	Palladium MYG Annuity 6	5.30%	10% / 10%	$100K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6	5.30%	0% / 10%	$100K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 FL	5.30%	0% / 10%	$100K+
6 yrs	A	Americo	Platinum Assure 6	5.30%	5% / 5%	$25K+
6 yrs	B++	Atlantic Coast Life	Safe Haven 6 - 86-90	5.27%	0% / 0%	$5K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 CA	5.25%	0% / 10%	$100K+
6 yrs	A-	Oceanview Life and Annuity	Harbourview 6	5.20%	0% / 10%	$80K+
6 yrs	A	American National Insurance Company	Palladium MYG Annuity 6	5.20%	10% / 10%	$5K+
6 yrs	A	American National Insurance Company	Palladium MYG Annuity 6	5.20%	10% / 10%	$5K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 FL	5.10%	0% / 10%	$50K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6	5.10%	0% / 10%	$50K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 CA	5.05%	0% / 10%	$50K+
6 yrs	A-	Oceanview Life and Annuity	Harbourview 6 (CA)	5.05%	0% / 10%	$80K+
6 yrs	B++	EquiTrust Life Insurance Company	Certainty Select 6	5.05%	Int / Int	$10K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6	5.00%	0% / 5%	$100K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6	5.00%	0% / 5%	$250K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6	4.90%	0% / 5%	$10K+
6 yrs	A-	Clear Spring Life	Preserve MYGA 6	4.90%	0% / 10%	$250K+
6 yrs	A-	Oceanview Life and Annuity	Harbourview 6	4.85%	0% / 10%	$20K+
6 yrs	A	Pacific Guardian Life	Diamond Head 6	4.80%	10% / 10%	$10K+
6 yrs	A-	Clear Spring Life	Preserve MYGA 6	4.80%	0% / 10%	$10K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 FL	4.75%	0% / 10%	$15K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6 (Non MVA)	4.75%	0% / 5%	$100K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6 (Non MVA)	4.75%	0% / 5%	$250K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6	4.75%	0% / 10%	$15K+
6 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 6 CA	4.70%	0% / 10%	$15K+
6 yrs	A-	Oceanview Life and Annuity	Harbourview 6 (CA)	4.70%	0% / 10%	$20K+
6 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 6 (Non MVA)	4.65%	0% / 5%	$10K+
6 yrs	A	AIG	American Pathway VisionMYG 6	4.50%	0% / 15%	$100K+
6 yrs	A	The United States Life Insurance Co. (NY)	American Pathway SolutionsMYG 6	4.25%	Int / 15%	$100K+
6 yrs	A	American National Life Insurance Company of NY	Palladium MYG 6 NY	3.90%	Int / 10%	$250K+
6 yrs	A	American National Life Insurance Company of NY	Palladium MYG 6 NY	3.75%	Int / 10%	$100K+
6 yrs	A	American National Life Insurance Company of NY	Palladium MYG 6 NY	3.65%	Int / 10%	$5K+
6 yrs	A	AIG	American Pathway VisionMYG 6	3.15%	0% / 15%	$10K+
6 yrs	A	The United States Life Insurance Co. (NY)	American Pathway SolutionsMYG 6	3.00%	Int / 15%	$10K+
6 yrs	A-	American Equity Investment Life Insurance Company Of NY	NY Eagle Platinum Non MVA 6 (Interest Only)	1.90%	0% / Int	$10K+
6 yrs	A-	American Equity Investment Life Insurance Company Of NY	NY Eagle Platinum Non MVA 6 (10% W/D)	1.85%	0% / 10%	$10K+
7 yrs	B++	Nassau Life and Annuity Company	Nassau MYAnnuity 7X 0% Free	5.60%	0% / 0%	$10K+
7 yrs	A-	Aspida	Synergy Choice 7	5.60%	0% / 0%	$100K+
7 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 7	5.55%	0% / 0%	$3K+
7 yrs	B++	Atlantic Coast Life	Safe Haven 7	5.54%	0% / 0%	$5K+
7 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 7 (CA, FL)	5.45%	0% / 0%	$3K+
7 yrs	A	American National Insurance Company	Palladium MYG Annuity 7	5.45%	10% / 10%	$250K+
7 yrs	A-	Aspida	Synergy Choice 7	5.45%	0% / 0%	$25K+
7 yrs	B++	Farmers Life Insurance Company	Farmers Safeguard Plus 7	5.45%	Int / Int	$10K+
7 yrs	B++	Atlantic Coast Life	Safe Haven 7 FL	5.44%	0% / 0%	$5K+
7 yrs	B++	Nassau Life and Annuity Company	Nassau MYAnnuity 7X 10% Free	5.40%	10% / 10%	$10K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 FL	5.30%	0% / 10%	$100K+
7 yrs	A	Oxford Life Insurance Company	Multi-Select 7	5.30%	Int / 10%	$20K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7	5.30%	0% / 10%	$100K+
7 yrs	A	American National Insurance Company	Palladium MYG Annuity 7	5.30%	10% / 10%	$100K+
7 yrs	A	American National Insurance Company	Palladium MYG Annuity 7	5.30%	10% / 10%	$100K+
7 yrs	A	Americo	Platinum Assure 7	5.30%	5% / 5%	$25K+
7 yrs	B++	Atlantic Coast Life	Safe Haven 7 - 86-90	5.29%	0% / 0%	$5K+
7 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 7 MN	5.25%	0% / 0%	$3K+
7 yrs	A	Athene IA	Athene Max Rate 7	5.25%	Int / Int	$100K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 CA	5.25%	0% / 10%	$100K+
7 yrs	A	Athene IA	Athene Max Rate 7 (state specific)	5.20%	Int / Int	$100K+
7 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 7 86-90	5.20%	0% / 0%	$3K+
7 yrs	A	American National Insurance Company	Palladium MYG Annuity 7	5.20%	10% / 10%	$5K+
7 yrs	A	American National Insurance Company	Palladium MYG Annuity 7	5.20%	10% / 10%	$5K+
7 yrs	A-	Fidelity & Guaranty Life	FG Guarantee-Platinum 7	5.15%	Int / Int	$20K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7	5.15%	0% / 10%	$50K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 FL	5.15%	0% / 10%	$50K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 CA	5.10%	0% / 10%	$50K+
7 yrs	A	The Standard	Focused Growth Annuity 7	5.10%	0% / 0%	$100K+
7 yrs	A	The Standard	Multi-Choice 7	5.05%	0% / 0%	$100K+
7 yrs	A	The Standard	Multi-Choice 7 Interest Only Withdrawals	5.00%	Int / Int	$100K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7	5.00%	0% / 5%	$100K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7	5.00%	0% / 5%	$250K+
7 yrs	A	The Standard	Focused Growth Annuity 7	5.00%	0% / 0%	$15K+
7 yrs	B+	The Ohio State Life Insurance Company	Nex7	5.00%	0% / 0%	$10K+
7 yrs	A	The Standard	Multi-Choice 7 10% Withdrawal Provision	4.95%	0% / 10%	$100K+
7 yrs	A	The Standard	Multi-Choice 7	4.95%	0% / 0%	$15K+
7 yrs	A	The Standard	Multi-Choice 7 Interest Only Withdrawals	4.90%	Int / Int	$15K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7	4.90%	0% / 5%	$10K+
7 yrs	A+	Mutual of Omaha	Ultra Premier 7	4.90%	10% / 10%	$25K+
7 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 7 MN 86-90	4.90%	0% / 0%	$3K+
7 yrs	A-	Delaware Life	Pinnacle MYGAsm 7 Year (DE & FL)	4.90%	0% / 10%	$10K+
7 yrs	A-	Delaware Life	Pinnacle MYGAsm 7 Year	4.90%	0% / 10%	$10K+
7 yrs	A-	Clear Spring Life	Preserve MYGA 7	4.90%	0% / 10%	$250K+
7 yrs	A-	Liberty Bankers Life	Bankers 7 Premier	4.90%	Int / Int	$10K+
7 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 7	4.89%	10% / 10%	$100K+
7 yrs	A-	Liberty Bankers Life	Bankers Elite 7	4.85%	0% / 0%	$10K+
7 yrs	A	Athene IA	Athene Max Rate 7	4.85%	Int / Int	$10K+
7 yrs	A	The Standard	Multi-Choice 7 10% Withdrawal Provision	4.85%	0% / 10%	$15K+
7 yrs	A	The Standard	Multi-Choice 7 10% Withdrawal Provision ROP	4.85%	0% / 10%	$100K+
7 yrs	A+	North American Company	NAC Guarantee Plus 7	4.85%	0% / Int	$100K+
7 yrs	A	Pacific Guardian Life	Diamond Head 7	4.80%	10% / 10%	$10K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 FL	4.80%	0% / 10%	$15K+
7 yrs	A-	Oceanview Life and Annuity	Harbourview 7	4.80%	0% / 10%	$80K+
7 yrs	A	Athene IA	Athene Max Rate 7 (state specific)	4.80%	Int / Int	$10K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7	4.80%	0% / 10%	$15K+
7 yrs	A-	Clear Spring Life	Preserve MYGA 7	4.80%	0% / 10%	$10K+
7 yrs	A-	Ibexis	MYGA Plus 7 (Simple Interest)	4.80%	0% / 10%	$100K+
7 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 7 MYGA - NY	4.75%	Int / Int	$100K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 MVA	4.75%	10% / 10%	$100K+
7 yrs	A-	Sagicor Life Insurance Company	Milestone MYGA 7 CA	4.75%	0% / 10%	$15K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Max 7	4.75%	Int / Int	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Max 7	4.75%	Int / Int	$250K+
7 yrs	A	The Standard	Multi-Choice 7 10% Withdrawal Provision ROP	4.75%	0% / 10%	$15K+
7 yrs	A++	Reliance Standard Life	Reliance Guarantee - 7	4.75%	10% / 10%	$20K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7 (Non MVA)	4.75%	0% / 5%	$100K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7 (Non MVA)	4.75%	0% / 5%	$250K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7	4.70%	10% / 10%	$100K+
7 yrs	A+	Protective Life	Secure Saver 7	4.70%	10% / 10%	$75K+
7 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 7	4.69%	10% / 10%	$10K+
7 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 7 (Non MVA)	4.65%	0% / 5%	$10K+
7 yrs	A-	Oceanview Life and Annuity	Harbourview 7 (CA)	4.65%	0% / 10%	$80K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 (NY)	4.65%	10% / 10%	$100K+
7 yrs	A-	Ibexis	MYGA Plus 7 (Simple Interest)	4.61%	0% / 10%	$10K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Max 7	4.60%	Int / Int	$50K+
7 yrs	A-	Liberty Bankers Life	Bankers 7	4.60%	Int / Int	$10K+
7 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 7 No MVA	4.59%	10% / 10%	$100K+
7 yrs	A	Athene Annuity & Life Assurance Company of New York	Athene Max Rate 7 MYGA - NY	4.55%	Int / Int	$5K+
7 yrs	A+	Securian Financial	SecureOption Choice 7	4.55%	0% / 10%	$100K+
7 yrs	A+	North American Company	NAC Guarantee Plus 7	4.55%	0% / Int	$20K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7	4.50%	15% / 15%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7	4.50%	15% / 15%	$250K+
7 yrs	A	AIG	American Pathway VisionMYG 7	4.50%	0% / 15%	$100K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 ROP	4.50%	10% / 10%	$100K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 MVA	4.50%	10% / 10%	$10K+
7 yrs	A+	Protective Life	Secure Saver 7	4.50%	10% / 10%	$25K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - No GROP with MVA	4.50%	Int / 15%	$100K+
7 yrs	A+	Mutual of Omaha	Ultra - Secure Plus 7	4.50%	10% / 10%	$50K+
7 yrs	A+	MassMutual Ascend Life Insurance Company	SecureGain 7 No MVA	4.49%	10% / 10%	$10K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7	4.45%	10% / 10%	$10K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 ROP (NY)	4.45%	10% / 10%	$100K+
7 yrs	A+	Securian Financial	SecureOption Choice 7 CA	4.45%	10% / 10%	$100K+
7 yrs	A-	Oceanview Life and Annuity	Harbourview 7	4.45%	0% / 10%	$20K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Max 7	4.45%	Int / Int	$10K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 (NY)	4.40%	10% / 10%	$10K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7	4.40%	10% / 10%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7	4.40%	10% / 10%	$250K+
7 yrs	A+	Securian Financial	SecureOption Choice 7	4.40%	0% / 10%	$25K+
7 yrs	A+	Mutual of Omaha	Ultra - Secure Plus 7	4.35%	10% / 10%	$5K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7	4.35%	15% / 15%	$50K+
7 yrs	A-	Oceanview Life and Annuity	Harbourview 7 (CA)	4.30%	0% / 10%	$20K+
7 yrs	A+	Securian Financial	SecureOption Choice 7 CA	4.30%	10% / 10%	$25K+
7 yrs	A		First Symetra Custom 7	4.27%	10% / 10%	$100K+
7 yrs	A		First Symetra Custom 7	4.27%	10% / 10%	$250K+
7 yrs	A+	Securian Financial	SecureOption Focus 7	4.25%	10% / 10%	$100K+
7 yrs	A	The United States Life Insurance Co. (NY)	American Pathway SolutionsMYG 7	4.25%	Int / 15%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7	4.25%	10% / 10%	$50K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7	4.20%	15% / 15%	$10K+
7 yrs	A	American National Life Insurance Company of NY	Palladium MYG 7 NY	4.20%	Int / 10%	$250K+
7 yrs	A+	Securian Financial	SecureOption Focus 7	4.15%	10% / 10%	$35K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 ROP	4.15%	10% / 10%	$10K+
7 yrs	A		First Symetra Custom 7	4.12%	10% / 10%	$50K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - GROP with MVA	4.10%	Int / 15%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7 GROP	4.10%	15% / 15%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7 GROP	4.10%	15% / 15%	$250K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7	4.10%	10% / 10%	$10K+
7 yrs	A+	Nationwide Life Insurance Company	Secure Growth 7 ROP (NY)	4.10%	10% / 10%	$10K+
7 yrs	A	American National Life Insurance Company of NY	Palladium MYG 7 NY	4.05%	Int / 10%	$100K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - No GROP	4.00%	Int / 15%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7 GROP	4.00%	10% / 10%	$100K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7 GROP	4.00%	10% / 10%	$250K+
7 yrs	A		First Symetra Custom 7	3.97%	10% / 10%	$10K+
7 yrs	A+	Securian Financial	SecureOption Focus 7	3.95%	10% / 10%	$10K+
7 yrs	A	American National Life Insurance Company of NY	Palladium MYG 7 NY	3.95%	Int / 10%	$5K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7 GROP	3.95%	15% / 15%	$50K+
7 yrs	A+	Integrity Life Insurance Company	SPDA Series II 7	3.89%	10% / 10%	$3K+
7 yrs	A		First Symetra Custom 7 (ROP)	3.87%	10% / 10%	$100K+
7 yrs	A		First Symetra Custom 7 (ROP)	3.87%	10% / 10%	$250K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - GROP	3.85%	Int / 15%	$100K+
7 yrs	A+	Protective Life	Secure Saver 7	3.85%	10% / 10%	$10K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7 GROP	3.85%	10% / 10%	$50K+
7 yrs	A		First Symetra Custom 7 (ROP)	3.72%	10% / 10%	$50K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select Pro 7 GROP	3.70%	15% / 15%	$10K+
7 yrs	B++	Investors Heritage	Heritage Builder Annuity 7	3.65%	Int / 10%	$25K+
7 yrs	A	Symetra Life Insurance Company	Symetra Select 7 GROP	3.60%	10% / 10%	$10K+
7 yrs	A		First Symetra Custom 7 (ROP)	3.47%	10% / 10%	$10K+
7 yrs	A+	Integrity Life Insurance Company	MultiVantage 7	3.39%	10% / 10%	$20K+
7 yrs	A+	Integrity Life Insurance Company	New Momentum 7	3.36%	10% / 10%	$5K+
7 yrs	A+	National Integrity Life Insurance	New Momentum 7	3.36%	10% / 10%	$5K+
7 yrs	A	Lincoln Financial Group	Lincoln MYGuarantee Plus 7	3.35%	10% / 10%	$100K+
7 yrs	A+	National Integrity Life Insurance	MultiVantage 7	3.29%	10% / 10%	$20K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - No GROP with MVA	3.25%	Int / 15%	$5K+
7 yrs	A	AIG	American Pathway VisionMYG 7	3.20%	0% / 15%	$10K+
7 yrs	A	The United States Life Insurance Co. (NY)	American Pathway SolutionsMYG 7	3.05%	Int / 15%	$10K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - No GROP	3.00%	Int / 15%	$5K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - GROP with MVA	2.90%	Int / 15%	$5K+
7 yrs	A	Lincoln Financial Group	Lincoln MYGuarantee Plus 7	2.85%	10% / 10%	$10K+
7 yrs	A	AIG	American Pathway Fixed 7 Annuity - GROP	2.80%	Int / 15%	$5K+
8 yrs	A	American National Insurance Company	Palladium MYG Annuity 8	5.45%	10% / 10%	$250K+
8 yrs	A	American National Insurance Company	Palladium MYG Annuity 8	5.30%	10% / 10%	$100K+
8 yrs	A	American National Insurance Company	Palladium MYG Annuity 8	5.30%	10% / 10%	$100K+
8 yrs	A	American National Insurance Company	Palladium MYG Annuity 8	5.20%	10% / 10%	$5K+
8 yrs	A	American National Insurance Company	Palladium MYG Annuity 8	5.20%	10% / 10%	$5K+
8 yrs	A	Oxford Life Insurance Company	Multi-Select 8	5.15%	Int / 10%	$20K+
8 yrs	B++	EquiTrust Life Insurance Company	Certainty Select 8	5.10%	Int / Int	$10K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8	5.00%	0% / 5%	$100K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8	5.00%	0% / 5%	$250K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8	4.90%	0% / 5%	$10K+
8 yrs	A-	Clear Spring Life	Preserve MYGA 8	4.90%	0% / 10%	$250K+
8 yrs	A-	Clear Spring Life	Preserve MYGA 8	4.80%	0% / 10%	$10K+
8 yrs	A	Pacific Guardian Life	Diamond Head 8	4.80%	10% / 10%	$10K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8 (Non MVA)	4.75%	0% / 5%	$100K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8 (Non MVA)	4.75%	0% / 5%	$250K+
8 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 8 (Non MVA)	4.65%	0% / 5%	$10K+
9 yrs	A	American National Insurance Company	Palladium MYG Annuity 9	5.45%	10% / 10%	$250K+
9 yrs	A	American National Insurance Company	Palladium MYG Annuity 9	5.30%	10% / 10%	$100K+
9 yrs	A	American National Insurance Company	Palladium MYG Annuity 9	5.30%	10% / 10%	$100K+
9 yrs	A	Royal Neighbors of America	MYGA 9 Year CA	5.25%	Int / Int	$100K+
9 yrs	A	American National Insurance Company	Palladium MYG Annuity 9	5.20%	10% / 10%	$5K+
9 yrs	A	American National Insurance Company	Palladium MYG Annuity 9	5.20%	10% / 10%	$5K+
9 yrs	A	Oxford Life Insurance Company	Multi-Select 9	5.20%	Int / 10%	$20K+
9 yrs	A	Royal Neighbors of America	MYGA 9 Year CA	5.15%	Int / Int	$10K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9	5.00%	0% / 5%	$100K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9	5.00%	0% / 5%	$250K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9	4.90%	0% / 5%	$10K+
9 yrs	A-	Clear Spring Life	Preserve MYGA 9	4.90%	0% / 10%	$250K+
9 yrs	A-	Liberty Bankers Life	Bankers Elite 9	4.85%	0% / 0%	$10K+
9 yrs	A-	Clear Spring Life	Preserve MYGA 9	4.80%	0% / 10%	$10K+
9 yrs	A	Pacific Guardian Life	Diamond Head 9	4.80%	10% / 10%	$10K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9 (Non MVA)	4.75%	0% / 5%	$100K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9 (Non MVA)	4.75%	0% / 5%	$250K+
9 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 9 (Non MVA)	4.65%	0% / 5%	$10K+
9 yrs	A+	Securian Financial	SecureOption Choice 9	4.60%	0% / 10%	$100K+
9 yrs	A+	Securian Financial	SecureOption Choice 9 CA	4.50%	10% / 10%	$100K+
9 yrs	A+	Securian Financial	SecureOption Choice 9	4.45%	0% / 10%	$25K+
9 yrs	A+	Securian Financial	SecureOption Choice 9 CA	4.35%	10% / 10%	$25K+
10 yrs	A	American National Insurance Company	Palladium MYG Annuity 10	5.45%	10% / 10%	$250K+
10 yrs	B++	Farmers Life Insurance Company	Farmers Safeguard Plus 10	5.40%	Int / Int	$10K+
10 yrs	A	Royal Neighbors of America	MYGA 10 Year	5.35%	Int / Int	$100K+
10 yrs	A	American National Insurance Company	Palladium MYG Annuity 10	5.30%	10% / 10%	$100K+
10 yrs	A	American National Insurance Company	Palladium MYG Annuity 10	5.30%	10% / 10%	$100K+
10 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 10	5.25%	0% / 0%	$3K+
10 yrs	A	Oxford Life Insurance Company	Multi-Select 10	5.25%	Int / 10%	$20K+
10 yrs	B++	Atlantic Coast Life	Safe Haven 10	5.25%	0% / 0%	$5K+
10 yrs	A	Royal Neighbors of America	MYGA 10 Year	5.25%	Int / Int	$10K+
10 yrs	A	American National Insurance Company	Palladium MYG Annuity 10	5.20%	10% / 10%	$5K+
10 yrs	A	American National Insurance Company	Palladium MYG Annuity 10	5.20%	10% / 10%	$5K+
10 yrs	B++	EquiTrust Life Insurance Company	Certainty Select 10	5.15%	Int / Int	$10K+
10 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 10 (CA, FL)	5.15%	0% / 0%	$3K+
10 yrs	B++	Atlantic Coast Life	Safe Haven 10 FL	5.15%	0% / 0%	$5K+
10 yrs	B++	Atlantic Coast Life	Safe Haven 10 - 86-90	5.00%	0% / 0%	$5K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10	5.00%	0% / 5%	$100K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10	5.00%	0% / 5%	$250K+
10 yrs	B+	The Ohio State Life Insurance Company	Nex10	5.00%	0% / 0%	$10K+
10 yrs	A	The Standard	Focused Growth Annuity 10	4.95%	0% / 0%	$100K+
10 yrs	A-	Clear Spring Life	Preserve MYGA 10	4.95%	0% / 10%	$250K+
10 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 10 86-90	4.90%	0% / 0%	$3K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10	4.90%	0% / 5%	$10K+
10 yrs	A	The Standard	Focused Growth Annuity 10	4.85%	0% / 0%	$15K+
10 yrs	A-	Clear Spring Life	Preserve MYGA 10	4.85%	0% / 10%	$10K+
10 yrs	A-	Oceanview Life and Annuity	Harbourview 10	4.80%	0% / 10%	$80K+
10 yrs	A	Pacific Guardian Life	Diamond Head 10	4.80%	10% / 10%	$10K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10 (Non MVA)	4.75%	0% / 5%	$100K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10 (Non MVA)	4.75%	0% / 5%	$250K+
10 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 10 MN	4.75%	0% / 0%	$3K+
10 yrs	A-	Guaranty Income Life	Guaranty Rate Lock 10 (Non MVA)	4.65%	0% / 5%	$10K+
10 yrs	A-	Oceanview Life and Annuity	Harbourview 10 (CA)	4.65%	0% / 10%	$80K+
10 yrs	A	AIG	American Pathway VisionMYG 10	4.60%	0% / 15%	$100K+
10 yrs	A-	Oceanview Life and Annuity	Harbourview 10	4.45%	0% / 10%	$20K+
10 yrs	A++	Reliance Standard Life	Reliance Guarantee - 10	4.45%	10% / 10%	$20K+
10 yrs	B++	Sentinel Security Life Insurance Company	Personal Choice Annuity 10 MN 86-90	4.40%	0% / 0%	$3K+
10 yrs	A	American National Life Insurance Company of NY	Palladium MYG 10 NY	4.30%	Int / 10%	$250K+
10 yrs	A-	Oceanview Life and Annuity	Harbourview 10 (CA)	4.30%	0% / 10%	$20K+
10 yrs	A	American National Life Insurance Company of NY	Palladium MYG 10 NY	4.15%	Int / 10%	$100K+
10 yrs	A	American National Life Insurance Company of NY	Palladium MYG 10 NY	4.05%	Int / 10%	$5K+
10 yrs	A+	Integrity Life Insurance Company	New Momentum 10	3.42%	10% / 10%	$5K+
10 yrs	A+	National Integrity Life Insurance	New Momentum 10	3.42%	10% / 10%	$5K+
10 yrs	A+	Integrity Life Insurance Company	MultiVantage 10	3.45%	10% / 10%	$20K+
10 yrs	A+	National Integrity Life Insurance	MultiVantage 10	3.30%	10% / 10%	$20K+
10 yrs	A	AIG	American Pathway VisionMYG 10	3.20%	0% / 15%	$10K+
10 yrs	A	American General Life Insurance Company	Assured Edge Income Achiever	3.00%	10% / 10%	$25K+

Understanding Annuity Rates

It is important to understand the different types of annuities as annuity rates and guarantees vary drastically from contract to contract.

Fixed annuities provide a specified interest rate for a guaranteed period of time; usually the longer you invest the higher your rate will be.

Annuities vs CDs

Fixed annuities work very much like a certificate of deposit (CD) but they typically provide higher guarantees than CD rates. Below are some of the similarities between the two:

Both pay a guaranteed rate for a set number of years
Both provide principal protection
Both typically allow free withdrawals of interest
Both provide full account value lump-sum death benefit
Fixed Annuities grow tax-deferred
Fixed Annuities can provide guaranteed lifetime income
CDs are FDIC Insured
Fixed Annuities are guaranteed by the claims-paying ability of the issuing life insurance company and State Guaranty Associations

CD/ Annuity Comparison Chart

	FIXED ANNUITY	CD
Issued By	Insurance Companies	Banks
Investment Amount	$2,000 - $1,000,000	Essentially Any Amount
Investment Term	2 years - 10 years	3 months - 5 years
Interest Rates (APY)	Varies by product.	Varies by bank, term and investment amount.
Liquidity	Usually, 10% annually or interest earned.	Almost always accumulated interest.
Guarantees	Backed by Insurer & State Guaranty Associations.	Backed by the FDIC.
Death Benefit	May avoid probate.	Probate process required.

The Federal Reserve and Interest Rates

Annuity rates are influenced by US Treasury rates because insurance companies invest much of their assets in high-quality bonds and U.S. Treasuries.

This is why current annuity rates often mirror the interest rates available in other fixed-income investments, primarily bonds and U.S. Treasuries. When bond rates increase, annuity rates usually go up as well.

The Federal Reserve signaled it would begin steadily raising interest rates in mid-March, its latest step toward removing stimulus to bring down inflation.

Last week’s data showed that US consumer prices are rising at the fastest pace since the early 1980s. This has led to speculation that the Federal Reserve will raise interest rates by 0.5% at its next meeting.

Fed Chairman Jerome Powell said Wednesday that the central bank was ready to raise rates at its March 15-16 meeting and could continue to lift them faster than it did during the past decade.

How are Annuity Rates Established?

The rate of return on an annuity is a crucial factor to consider when choosing an annuity product. Annuity rates are typically based on several factors, including the age and health of the individual purchasing the annuity, the length of the payout period, and current interest rates.

One of the main factors that determine annuity rates is the current interest rate environment. In general, annuity rates tend to be higher when interest rates are higher, as insurance companies can earn more on the money they receive from annuity purchasers. Conversely, when interest rates are low, you can expect annuity rates to be lower as well.

The age of the annuitant and the payout option determine the annuity payment amount for an immediate annuity Insurance companies use actuarial tables to determine life expectancy, and individuals who are expected to live longer will receive lower annuity payments than those who are expected to live shorter lives.

Additionally, those who select a joint-life payout option will receive lower payments than a single annuitant. This is because the payments are guaranteed to last for the lives of both the husband and wife.

Overall, the factors that determine annuity rates can be complex, and it’s important to carefully consider all of the factors involved before making a decision.

Are Annuities Safe?

While most industry sectors struggled, Annuity Company Financial Reserves actually went up during the Covid-19 Pandemic hitting an all-time high of $4.4 Trillion; according to data recently published by the American Council of Life Insurers (ACLI).

You can access the complete 235-page 2022 ACLI Life Insurers Playbook here.

Annuity Company Reserves

Year	Reserves	Year	Reserves
1950	$5,600	1999	$1,780,699
1960	18,850	2000	1,819,680
1965	27,350	2001	1,585,008
1970	41,175	2002	1,619,075
1975	72,210	2003	1,899,994
1980	166,850	2004	2,105,882
1981	193,210	2005	2,258,240
1982	233,790	2006	2,415,158
1983	269,425	2007	2,548,490
1984	313,215	2008	2,223,441
1985	373,475	2009	2,512,334
1986	441,390	2010	2,739,686
1987	495,420	2011	2,810,717
1988	562,155	2012	3,003,685
1989	624,290	2013	3,271,345
1990	695,700	2014	3,385,586
1991	745,950	2015	3,407,220
1992	768,215	2016	3,556,845
1993	825,375	2017	3,790,733
1994	878,460	2018	3,647,244
1995	972,560	2019	3,976,017
1996	1,312,494	2020	4,207,510
1997	1,454,962	2021	4,395,923
1998	1,608,494

Source: National Association of Insurance Commissioners (NAIC) data.
Note: The NAIC does not endorse any analysis or conclusions based on the use of the historical data they have researched.

Today's Best Fixed Annuities

Farmers Life Safeguard Plus MYGA

Fidelity & Guaranty Life Insurance Company (F&G) Review

Nationwide Secure Growth Annuity | 7 Year

Nationwide Secure Growth 5

Ibexis MYGA Plus Annuity | Up to 5.80% for 5 Years

North American Guarantee Plus 3

Best Fixed Annuity Companies

The table below the details 10 best U.S. fixed annuity companies by sales. When buying a deferred annuity, factor in the life insurance company’s financial ratings.

Rank	Annuity Company	Fixed Sales
1	New York Life	$14,857,784
2	Mass Mutual	$11,900,949
3	Athene Annuity & Life	$9,714,648
4	Corebridge Financial	$7,146,379
5	Western Southern Group	$6,230,513
6	Global Atlantic Financial Group	$5,159,947
7	Pacific Life	$4,512,947
8	USAA Life	$4,155,154
9	Fidelity & Guaranty Life	$3,740,550
10	Brighthouse Financial	$3,704,850
11	Symetra Financial	$2,954,492
12	Sammons Financial Companies	$2,745,169
13	Reliance Standard	$1,457,344
14	Nationwide	$1,301,800
15	Delaware Life	$1,148,882
16	American National (ANICO)	$937,996
17	Security Benefit Life	$926,412
18	The Standard	$750,428
19	Thrivent Financial	$744,781
20	Mutual of Omaha	$688,054

Source: LIMRA Secure Retirement Institute U.S. Individual Annuities Sales Survey

What is a Fixed Annuity?

Fixed annuities offer a guaranteed rate of return for a set period of time. For example, when you buy a 5-year annuity your interest rate is guaranteed for the length of the contract but a new rate is declared at the end of the annuity.

The fixed annuity contract will explain whether, how, and when this can happen. Although the word “fixed” might suggest otherwise, the interest rate on a fixed annuity can change over time.

How Are Annuities Taxed?

The interest you earn in an annuity grows tax-deferred which means you don’t have to pay taxes on your earnings until you take it out of the annuity. Generally speaking, earnings from annuities are taxed at your ordinary income tax rate using the LIFO (last in first out) method

Roth IRA Annuity Taxation – A Roth IRA annuity is treated like an ordinary Roth IRA and you will not pay taxes.
Qualified Annuity Taxation – Any annuity purchased with qualified funds, like a 401(k) or IRA, is considered a qualified annuity. When you begin to make withdraws from a qualified annuity you will pay normal federal income taxes.

Non-Qualified Annuity Taxation – A non-qualified annuity is an annuity that is not purchased with tax-advantaged funds, such as from a 401(k) or IRA. You will only pay tax on your earnings with you withdraw your money.

Fixed Annuity Pros and Cons

Pros

Guaranteed Annuity Rates
Grow Tax-Deferred
Principal Protection
You can exchange your fixed annuity for a new one via a 1035 Exchange
The most simple type of annuity
Usually provide some liquidity
Low investment minimums
Full account value passes directly to your loved ones at death

Cons

Withdrawals before age 59½ may have a 10% IRS penalty
Offer limited lifetime Income Options
Surrender charges for excess withdrawals during the initial surrender period
Fixed annuities don’t offer equity-type returns
Limited Liquidity
Annuity rates may not keep up with inflation

Frequently Asked Questions

Are Annuities FDIC Insured?

Annuities are not insured by the FDIC. Instead, they are backed by the claims-paying ability of the issuing life insurance company and by State Guaranty Associations.

Do Fixed Annuities Have fees?

Fixed annuities do not have annual fees in general. However, there are some fixed annuity products that offer optional income riders, death benefit riders, or long-term care riders for an additional annual fee.

Can You Buy a 5 Year Annuity?

Yes, you can buy a 5 year annuity. A 5 year fixed annuity is an annuity contract with a five-year surrender charge schedule (CDSC). When you purchase a 5-year fixed annuity the interest rate is guaranteed for the initial 5-year contract period and you agree to keep the annuity for the 5-year contract term.

What are today's highest paying annuity rates?

Who has the highest annuity rates?

2-Year: 5.00%
3-Year: 5.53%
4-Year: 5.25%
5-Year: 5.80%
6-Year: 5.67%
7-Year: 5.64%
8-Year: 5.30%
9-Year: 5.30%
10-Year: 5.35%

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Best Fixed Annuity Rates March 2023