Compare MYGA Rates Side by Side
Compare MYGA rates side by side in dollars, not just percentages. Rates updated today from 90+ top annuity companies.
Your comparison
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Every MYGA for your term, ranked by value
In your comparison Other products Not offered by MAS
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A licensed agent will run the carrier illustration for your exact age, state and amount.
How to compare MYGA rates on this page
The list above ranks every multi-year guaranteed annuity by what your money becomes at the end of the term. Six controls shape it.
- Amount. Many carriers pay a higher rate above $100,000, so the ranking changes with the amount you enter.
- Term. Pick how long you can leave the money alone. Longer terms do not always pay more.
- State. Choose your state to hide products you cannot buy and to see ones sold only where you live.
- Compare. Add up to three products to the comparison to read them row by row.
- Rating. Set a minimum AM Best rating to hide carriers below it.
- Chart. Switch from List to Chart to see every product placed by value and AM Best rating.
For every term on one screen, see the full table of fixed annuity rates.
Rate versus carrier strength
The highest rate usually comes from a carrier with a lower AM Best rating. The comparison opens with the best-paying product we offer from each of three rating groups (A or higher, A-, and B++), so you can see what the stronger rating costs in dollars.
- A++, A+ and A. AM Best calls A++ and A+ Superior and A Excellent. These carriers usually pay the lowest rates.
- A-. Also rated Excellent, and often close to the top of the list in dollars.
- B++ and B+. Rated Good. Often the highest rates, so read the carrier’s history before you commit.
- B and B-. Rated Fair. They appear in the ranked list, but the comparison never starts with one.
Check any company in our annuity company reviews and ratings, or read how carrier strength ratings work.
What free withdrawals are worth
A free withdrawal lets you take money out each year without a surrender charge. Products that allow it often pay a slightly lower rate.
- None. Any withdrawal during the term may carry a surrender charge.
- Interest only. You can take the interest you have earned, but not principal.
- 5% or 10% a year. You can take that share of the account value each year.
Tick “Only show products with free withdrawals” to rank only those products. To test a single product at different amounts, use the MYGA calculator.
How do I compare MYGA rates?
Rank products by the dollars they return on your amount and term, then weigh the top few on AM Best rating and withdrawal terms. A licensed agent can confirm today’s rate and state availability before you apply.
That is the fastest honest way to compare MYGA rates.
Ready to lock in a rate?
Choose Get a Quote on any product above, or tell us what you are considering. Our licensed team will confirm the rate and send the application.
MYGA comparison questions
What is a MYGA?
A multi-year guaranteed annuity (MYGA) pays a fixed interest rate for a set number of years. It is issued by an insurance company, and interest grows tax-deferred until you withdraw it. Our MYGA guide covers how they work.
Is the highest MYGA rate always the best choice?
No. A higher rate often comes with a lower AM Best rating, a higher minimum, or no free withdrawals. Compare the dollar difference first, then decide whether it is worth the trade.
What does simple interest mean on a MYGA?
Simple interest is paid on your original premium only. Compound interest is paid on premium plus interest already earned. This page calculates each product the way it actually credits interest, so the dollar values are comparable.
Why does the rate change when I change the amount?
Many carriers use rate bands. A product might pay one rate under $100,000 and a higher rate above it. The list always uses the band your amount falls into.
Does it cost anything to compare rates or request a quote?
No. My Annuity Store charges buyers no fee, and you can see every rate on this page without giving us your contact details.
Rates and availability are updated from our carrier rate feed and can change without notice. Values shown assume no withdrawals and that the contract is held for the full guarantee term. Free withdrawal terms can differ in the first contract year. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products marked “Not offered by MAS” are shown for comparison only.
