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*Illustrative snapshot. See the live table below for full comparison including carrier strength, liquidity, and renewal options. Rates vary by state.
Rates subject to change without notice. Availability & features vary by state and insurer. Guarantees are backed by the claims‑paying ability of the issuing insurance company. Not a bank product. Not FDIC insured. State guaranty association limits apply (vary by state). Logos are property of their respective insurers; shown for educational platform availability only and do not imply endorsement. Company availability, financial strength ratings, and product terms are subject to change.
Annuity rates vary by state; we suggest you use the filters to see the best fixed annuity rates available in your state based on your age, liquidity features, and investment amount. The annuity rates shown below are sourced through Annuity Rate Watch and updated automatically every 6 hours via API.
| Company | Product Name | Rate | Term | Minimum | AM Best Rating | Free Withdrawal | Action |
|---|---|---|---|---|---|---|---|
| Knighthead Life | Staysail 7 (Simple Interest)SI | 6.50% Up to · from 6.25% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Knighthead Life | Staysail 7 CA (Simple Interest)SI | 6.40% Up to · from 6.15% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| American Gulf | Anchor MYGA 5 | 6.30% | 5 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| American Gulf | Anchor MYGA 6 | 6.30% | 6 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| American Gulf | Anchor MYGA 7 | 6.30% | 7 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| Knighthead Life | Staysail 5 (Simple Interest)SI | 6.30% Up to · from 6.05% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 10 | 6.25% | 10 Year | $2,500 | B | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 5 | 6.25% | 5 Year | $2,500 | B | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 7 | 6.25% | 7 Year | $2,500 | B | Yr 1: 0% | View Details |
| Knighthead Life | Staysail 5 CA (Simple Interest)SI | 6.20% Up to · from 5.95% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 5 (FL) | 6.20% | 5 Year | $2,500 | B | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 7 (FL) | 6.20% | 7 Year | $2,500 | B | Yr 1: 0% | View Details |
| Mountain Life | Alpine Horizon 5 | 6.15% | 5 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 10 (FL) | 6.15% | 10 Year | $2,500 | B | Yr 1: 0% | View Details |
| Mountain Life | Alpine Horizon 4 | 6.05% | 4 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 10 (CA) | 6.05% | 10 Year | $2,500 | B | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 5 (CA) | 6.05% | 5 Year | $2,500 | B | Yr 1: 0% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 7 (CA) | 6.05% | 7 Year | $2,500 | B | Yr 1: 0% | View Details |
| Mountain Life | Alpine Horizon 3 | 6.00% | 3 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Mountain Life | Secure Summit 8 | 6.00% | 8 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 3 | 6.00% | 3 Year | $2,500 | B | Yr 1: 0% | View Details |
| Ibexis | MYGA Plus 7 (Simple Interest)SI | 5.95% Up to · from 5.60% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Knighthead Life | Staysail 7 With Liquidity (Simple Interest)SI | 5.95% Up to · from 5.70% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 3 (FL) | 5.90% | 3 Year | $2,500 | B | Yr 1: 0% | View Details |
| Ibexis | MYGA Plus 7 (Simple Interest) CASI | 5.85% Up to · from 5.50% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Knighthead Life | Staysail 7 CA with Liquidity (Simple Interest)SI | 5.85% Up to · from 5.60% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Revol One Financial | DirectGrowth 10 | 5.85% | 10 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 5 | 5.85% | 5 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 7 | 5.85% | 7 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 10 | 5.80% | 10 Year | $5,000 | B | Yr 1: 0% | View Details |
| Baltimore Life Insurance Company | IQumulate 5 | 5.80% | 5 Year | $5,000 | B++ | Yr 1: 0% | View Details |
| Baltimore Life Insurance Company | IQumulate 7 | 5.80% | 7 Year | $5,000 | B++ | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 7 | 5.75% | 7 Year | $5,000 | B | Yr 1: 0% | View Details |
| Ibexis | MYGA Plus 5 (Simple Interest)SI | 5.75% Up to · from 5.45% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Knighthead Life | Staysail 5 With Liquidity (Simple Interest)SI | 5.75% Up to · from 5.50% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Mountain Life | Secure Summit 10 | 5.75% | 10 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Mountain Life | Secure Summit 3 | 5.75% | 3 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Mountain Life | Secure Summit 5 | 5.75% | 5 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Mountain Life | Secure Summit 7 | 5.75% | 7 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Revol One Financial | DirectGrowth 10 Enhanced Death Benefit | 5.75% | 10 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 10 Free Partial Surrender | 5.75% | 10 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 5 (CA) | 5.75% | 5 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 5 Enhanced Death Benefit | 5.75% | 5 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 5 Free Partial Surrender | 5.75% | 5 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 7 (CA) | 5.75% | 7 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 7 Enhanced Death Benefit | 5.75% | 7 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 7 Free Partial Surrender | 5.75% | 7 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Atlantic Coast Life | Safe Haven 10 FL | 5.70% | 10 Year | $5,000 | B | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 5 | 5.70% | 5 Year | $5,000 | B | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 7 FL | 5.70% | 7 Year | $5,000 | B | Yr 1: 0% | View Details |
| Farmers Life Insurance Company | Farmers Safeguard Plus 10 | 5.70% | 10 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Sentinel Security Life Insurance Company | Personal Choice Annuity 3 (CA) | 5.70% | 3 Year | $2,500 | B | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 5 FL | 5.65% | 5 Year | $5,000 | B | Yr 1: 0% | View Details |
| Axonic Insurance | Waypoint 5 MYGA | 5.65% Up to · from 5.30% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Farmers Life Insurance Company | Farmers Safeguard Plus 5 | 5.65% | 5 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 5 | 5.65% | 5 Year | $2,500 | A | Yr 1: 0% | View Details |
| Ibexis | MYGA Plus 5 (Simple Interest) CASI | 5.65% Up to · from 5.35% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Knighthead Life | Staysail 5 CA With Liquidity | 5.65% Up to · from 5.40% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Revol One Financial | DirectGrowth 10 Free Free Partial Surrender & Enhanced Death Benefit | 5.65% | 10 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 5 Free Partial Surrender & Enhanced Death Benefit | 5.65% | 5 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 5 Free Partial Surrender (CA) | 5.65% | 5 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 7 Free Partial Surrender & Enhanced Death Benefit | 5.65% | 7 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 7 Free Partial Surrender (CA) | 5.65% | 7 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Farmers Life Insurance Company | Farmers Safeguard Plus 7 | 5.60% | 7 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 7 | 5.60% | 7 Year | $2,500 | A | Yr 1: 0% | View Details |
| Knighthead Life | Staysail 3 (Simple Interest)SI | 5.60% Up to · from 5.35% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| American Life | American Classic 5 (No Liquidity) | 5.55% | 5 Year | $1,000 | B++ | Yr 1: 0% | View Details |
| American Life | American Classic 5 Year | 5.55% | 5 Year | $1,000 | B++ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Revol One Financial | DirectGrowth 3 | 5.55% | 3 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Axonic Insurance | Waypoint 10 MYGA | 5.50% Up to · from 5.20% | 10 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Axonic Insurance | Waypoint 7 MYGA | 5.50% Up to · from 5.20% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Ceres Life | Ceres MYGA 7 | 5.50% | 7 Year | $50,000 | B++ | Yr 1: 0% · Yr 2+: 10% | View Details |
| CL Life | CL Sundance 5 | 5.50% | 5 Year | $20,000 | B++ | Yr 1: Interest Only | View Details |
| Knighthead Life | Staysail 3 CA (Simple Interest)SI | 5.50% Up to · from 5.25% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Liberty Bankers Life | Heritage Elite 9 | 5.50% | 9 Year | $10,000 | A- | Yr 1: 0% | View Details |
| Atlantic Coast Life | Safe Haven 3 | 5.45% | 3 Year | $5,000 | B | Yr 1: 0% | View Details |
| Ceres Life | Ceres MYGA 5 | 5.45% | 5 Year | $50,000 | B++ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Liberty Bankers Life | Heritage Elite 7 | 5.45% | 7 Year | $10,000 | A- | Yr 1: 0% | View Details |
| Liberty Bankers Life | Heritage Premier 9 | 5.45% | 9 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Oceanview Life and Annuity | Harbourview 10 | 5.45% Up to · from 5.10% | 10 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Revol One Financial | DirectGrowth 3 (CA) | 5.45% | 3 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 3 Enhanced Death Benefit | 5.45% | 3 Year | $25,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | DirectGrowth 3 Free Partial Surrender | 5.45% | 3 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Axonic Insurance | Waypoint 3 MYGA | 5.40% Up to · from 5.10% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| ELCO Mutual Life & Annuity | Guardian Eagle 5 Year | 5.40% | 5 Year | $10,000 | B++ | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Liberty Bankers Life | Heritage Elite 5 | 5.40% | 5 Year | $10,000 | A- | Yr 1: 0% | View Details |
| Liberty Bankers Life | Heritage Premier 7 | 5.40% | 7 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Mountain Life | Secure Summit 9 | 5.40% | 9 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Atlantic Coast Life | Safe Haven 3 FL | 5.35% | 3 Year | $5,000 | B | Yr 1: 0% | View Details |
| Baltimore Life Insurance Company | IQumulate 3 | 5.35% | 3 Year | $5,000 | B++ | Yr 1: 0% | View Details |
| CL Life | CL Sundance 3 | 5.35% | 3 Year | $20,000 | B++ | Yr 1: Interest Only | View Details |
| Liberty Bankers Life | Heritage Premier 5 | 5.35% | 5 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Liberty Bankers Life | Heritage Premier Plus 9 | 5.35% | 9 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Oceanview Life and Annuity | Harbourview 6 | 5.35% Up to · from 5.00% | 6 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Revol One Financial | DirectGrowth 3 Free Partial Surrender & Enhanced Death Benefit | 5.35% | 3 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Revol One Financial | DirectGrowth 3 Free Partial Surrender (CA) | 5.35% | 3 Year | $25,000 | B++ | Yr 1: Interest Only | View Details |
| Aspida | Synergy Choice 7 | 5.30% Up to · from 5.15% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| EquiTrust Life Insurance Company | Certainty Select 10 | 5.30% | 10 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Farmers Life Insurance Company | Farmers Safeguard Plus 3 | 5.30% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Nassau Life and Annuity Company | Nassau MYAnnuity 7X 0% Free | 5.30% | 7 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| Royal Neighbors of America | MYGA 10 Year | 5.30% Up to · from 5.20% | 10 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| American National Insurance Company | Palladium MYG Annuity 7 | 5.25% Up to · from 5.00% | 7 Year | $250,000 | A | Yr 1: 10% | View Details |
| Ceres Life | Ceres MYGA 3 | 5.25% | 3 Year | $50,000 | B++ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Fidelity Security Life Insurance Company | TaxVantage® Multi-Year Guaranteed Annuity 3 | 5.25% | 3 Year | $2,500 | A | Yr 1: 0% | View Details |
| Knighthead Life | Staysail 3 With Liquidity (Simple Interest)SI | 5.25% Up to · from 5.00% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Liberty Bankers Life | Heritage Classic 9 | 5.25% | 9 Year | $10,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Liberty Bankers Life | Heritage Premier Plus 7 | 5.25% | 7 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Mountain Life | Secure Summit 2 | 5.25% | 2 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Nassau Life and Annuity Company | Nassau MYAnnuity 5X 0% Free | 5.25% | 5 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| Nassau Life and Annuity Company | Nassau Simple Annuity 6SI | 5.25% | 6 Year | $10,000 | B++ | Yr 1: 5% | View Details |
| Oceanview Life and Annuity | Harbourview 7 | 5.25% Up to · from 4.90% | 7 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Navigator Ultra MVA 5 | 5.25% | 5 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| Western United Life Insurance Company. | Navigator Ultra MVA 5 | 5.25% | 5 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| American Life | American Classic 3 (No Liquidity) | 5.20% | 3 Year | $1,000 | B++ | Yr 1: 0% | View Details |
| American Life | American Classic 3 Year | 5.20% | 3 Year | $1,000 | B++ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Athene IA | Athene Max Rate 7 | 5.20% Up to · from 4.90% | 7 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| EquiTrust Life Insurance Company | Certainty Select 8 | 5.20% | 8 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Ibexis | MYGA Plus 3 (Simple Interest)SI | 5.20% Up to · from 4.90% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Liberty Bankers Life | Heritage Classic 7 | 5.20% | 7 Year | $10,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 8 | 5.20% | 8 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| Royal Neighbors of America | MYGA 5 Year | 5.20% Up to · from 5.10% | 5 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| Royal Neighbors of America | MYGA 9 Year CA | 5.20% Up to · from 5.10% | 9 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| American National Insurance Company | Palladium MYG Annuity 5 | 5.15% Up to · from 4.90% | 5 Year | $250,000 | A | Yr 1: 10% | View Details |
| Athene IA | Athene Max Rate 7 (state specific) | 5.15% Up to · from 4.85% | 7 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| CL Life | CL Sundance 2 | 5.15% | 2 Year | $20,000 | B++ | Yr 1: Interest Only | View Details |
| ELCO Mutual Life & Annuity | Guardian Eagle 3 Year | 5.15% | 3 Year | $10,000 | B++ | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| EquiTrust Life Insurance Company | Certainty Select 6 | 5.15% | 6 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Knighthead Life | Staysail 3 CA With Liquidity (Simple Interest)SI | 5.15% Up to · from 4.90% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Liberty Bankers Life | Heritage Classic 5 | 5.15% | 5 Year | $10,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Liberty Bankers Life | Heritage Premier Plus 5 | 5.15% | 5 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Oxford Life Insurance Company | Multi-Select 10 | 5.15% | 10 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 6 | 5.15% | 6 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 1 (7) Year Plan Base Policy | 5.15% Up to · from 4.95% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 1 (7) Base Policy | 5.15% Up to · from 4.60% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| American National Insurance Company | Palladium MYG Annuity 10 | 5.10% Up to · from 4.85% | 10 Year | $250,000 | A | Yr 1: 10% | View Details |
| Aspida | Synergy Choice 5 | 5.10% Up to · from 4.95% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Athene IA | Athene Max Rate 5 | 5.10% Up to · from 4.85% | 5 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| Clear Spring Life | Preserve MYGA 10 | 5.10% Up to · from 4.80% | 10 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Clear Spring Life | Preserve MYGA 6 | 5.10% Up to · from 4.80% | 6 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Clear Spring Life | Preserve MYGA 7 | 5.10% Up to · from 4.80% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Clear Spring Life | Preserve MYGA 8 | 5.10% Up to · from 4.80% | 8 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Clear Spring Life | Preserve MYGA 9 | 5.10% Up to · from 4.80% | 9 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Ibexis | MYGA Plus 3 (Simple Interest) CASI | 5.10% Up to · from 4.80% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Nassau Life and Annuity Company | Nassau MYAnnuity 7X 10% Free | 5.10% | 7 Year | $10,000 | B++ | Yr 1: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 9 | 5.10% | 9 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| Reliance Standard Life | Reliance Guarantee - 10 | 5.10% | 10 Year | $20,000 | A++ | Yr 1: 10% | View Details |
| Royal Neighbors of America | MYGA 5 Year CA | 5.10% Up to · from 5.00% | 5 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 3 (7) Year Plan (Base + PFW) | 5.10% Up to · from 4.90% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| SBLI USA | Select Choice 3 (7) Base Policy + PFW | 5.10% Up to · from 4.55% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Navigator Elite MVA 5 | 5.10% | 5 Year | $10,000 | B++ | Yr 1: 10% | View Details |
| Western United Life Insurance Company. | Navigator Elite MVA 7 | 5.10% | 7 Year | $10,000 | B++ | Yr 1: 10% | View Details |
| Americo | Platinum Assure 7 | 5.05% | 7 Year | $25,000 | A | Yr 1: 5% | View Details |
| Athene IA | Athene Max Rate 5 (state specific) | 5.05% Up to · from 4.80% | 5 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| Clear Spring Life | Preserve MYGA 5 | 5.05% Up to · from 4.75% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| EquiTrust Life Insurance Company | Certainty Select 5 | 5.05% | 5 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Global Atlantic Financial Group | SecureFore 7 | 5.05% Up to · from 4.85% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Nassau Life and Annuity Company | Nassau MYAnnuity 5X 10% Free | 5.05% | 5 Year | $10,000 | B++ | Yr 1: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 7 | 5.05% | 7 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| AuguStar | LunarLock 5 MVA | 5.00% Up to · from 4.80% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 5 MVA CA | 5.00% Up to · from 4.80% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 7 MVA | 5.00% Up to · from 4.80% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 7 MVA CA | 5.00% Up to · from 4.80% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Axonic Insurance | Waypoint 2 MYGA | 5.00% Up to · from 4.70% | 2 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| ELCO Mutual Life & Annuity | Guardian Eagle 10 Year | 5.00% | 10 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| ELCO Mutual Life & Annuity | Guardian Eagle 7 Year | 5.00% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| GBU Life | Asset Guard Select 5 | 5.00% | 5 Year | $25,000 | A- | Yr 1: 10% | View Details |
| Mountain Life | Secure Summit 6 | 5.00% | 6 Year | $5,000 | B- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Mutual of Omaha | Ultra Premier 7 | 5.00% | 7 Year | $25,000 | A+ | Yr 1: 10% | View Details |
| Nassau Life and Annuity Company | Nassau Simple Annuity 4SI | 5.00% | 4 Year | $10,000 | B++ | Yr 1: 5% | View Details |
| National Life Group | RetireMax Secure 5 MVA | 5.00% Up to · from 4.70% | 5 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| North American Company | NAC Guarantee Plus 5 | 5.00% Up to · from 4.75% | 5 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| Oceanview Life and Annuity | Harbourview 4 | 5.00% Up to · from 4.65% | 4 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Protective Life | Secure Saver 5 | 5.00% Up to · from 3.80% | 5 Year | $75,000 | A+ | Yr 1: 10% | View Details |
| Puritan Life Insurance Company of America | Interest Plus Annuity MYGIA | 5.00% | 10 Year | $25,000 | B++ | Yr 1: 10% | View Details |
| Reliance Standard Life | Reliance Guarantee - 7 | 5.00% | 7 Year | $20,000 | A++ | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (7) Year Plan Base Policy MVA | 5.00% Up to · from 4.75% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Security Benefit Life | Advanced Choice 5 | 5.00% Up to · from 4.80% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Security Benefit Life | Advanced Choice 7 | 5.00% Up to · from 4.80% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Max 7 | 5.00% Up to · from 4.80% | 7 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| Global Atlantic Financial Group | SecureFore 5 | 4.95% Up to · from 4.75% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Lincoln Financial | Lincoln MYGuarantee Plus 10 | 4.95% Up to · from 3.70% | 10 Year | $100,000 | A | Yr 1: 10% | View Details |
| Midland National Life | MNL Guarantee Pro 5 | 4.95% Up to · from 4.70% | 5 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| National Security Insurance Company | National Security MYGA 5 (NQ only) | 4.95% | 5 Year | $25,000 | B | Yr 1: 0% · Yr 2+: 10% | View Details |
| National Security Insurance Company | National Security MYGA 7 (NQ only) | 4.95% | 7 Year | $25,000 | B | Yr 1: 0% · Yr 2+: 10% | View Details |
| Nationwide Life Insurance Company | Secure Growth 5 MVA | 4.95% Up to · from 4.45% | 5 Year | $100,000 | A+ | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 1 (5) Year Plan Base Policy | 4.95% Up to · from 4.70% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (7) Year Plan (Base + PFW) MVA | 4.95% Up to · from 4.70% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Securian Financial | SecureOption Choice 9 | 4.95% Up to · from 4.65% | 9 Year | $500,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Americo | Platinum Assure 5 | 4.90% | 5 Year | $25,000 | A | Yr 1: 5% | View Details |
| Americo | Platinum Assure 5 CA | 4.90% | 5 Year | $25,000 | A | Yr 1: 10% | View Details |
| Athene Annuity & Life Assurance Company of New York | Athene Max Rate 7 MYGA - NY | 4.90% Up to · from 4.70% | 7 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| Athene IA | Athene Max Rate 3 | 4.90% Up to · from 4.65% | 3 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| Athene IA | Athene Max Rate 3 (state specific) | 4.90% Up to · from 4.65% | 3 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| AuguStar | LunarLock 5 | 4.90% Up to · from 4.70% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 5 CA | 4.90% Up to · from 4.70% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 7 | 4.90% Up to · from 4.70% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 7 CA | 4.90% Up to · from 4.70% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 5 MVA | 4.90% Up to · from 4.70% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 5 MVA CA | 4.90% Up to · from 4.70% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 7 MVA | 4.90% Up to · from 4.70% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 7 MVA CA | 4.90% Up to · from 4.70% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Clear Spring Life | Preserve MYGA 4 | 4.90% Up to · from 4.60% | 4 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Protective Life | Secure Saver 7 | 4.90% Up to · from 3.80% | 7 Year | $75,000 | A+ | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 3 (5) Year Plan (Base + PFW) | 4.90% Up to · from 4.65% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Max 5 | 4.90% Up to · from 4.70% | 5 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| The Standard | Multi-Choice 5 | 4.90% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 0% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 7 MVA | 4.85% Up to · from 4.60% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Equitable Financial Life Insurance of America | Guaranteed Growth Strategiessm 5 MVA | 4.85% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Equitable Financial Life Insurance of America | Guaranteed Growth Strategiessm 7 MVA | 4.85% Up to · from 4.60% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Mutual of Omaha | Ultra Premier 5 | 4.85% | 5 Year | $25,000 | A+ | Yr 1: 10% | View Details |
| Oceanview Life and Annuity | Harbourview 5 | 4.85% Up to · from 4.50% | 5 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (5) Year Plan Base Policy MVA | 4.85% Up to · from 4.65% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (7) Year Plan Base Policy | 4.85% Up to · from 4.60% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Securian Financial | SecureOption Choice 9 CA | 4.85% Up to · from 4.55% | 9 Year | $500,000 | A+ | Yr 1: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 7 | 4.85% Up to · from 4.65% | 7 Year | $100,000 | A | Yr 1: 15% | View Details |
| The Standard | Focused Growth Annuity 5 | 4.85% Up to · from 4.55% | 5 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| The Standard | Focused Growth Annuity 7 | 4.85% Up to · from 4.55% | 7 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| The Standard | Multi-Choice 5 Interest Only Withdrawals | 4.85% Up to · from 4.55% | 5 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| Western United Life Insurance Company. | Navigator Ultra MVA 3 | 4.85% | 3 Year | $10,000 | B++ | Yr 1: 0% | View Details |
| Athene Annuity & Life Assurance Company of New York | Athene Max Rate 5 MYGA - NY | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| AuguStar | LunarGuard 5 MVA | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 5 MVA CA | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarLock Prime 5 | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 5 CA | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 7 | 4.80% Up to · from 4.60% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 7 CA | 4.80% Up to · from 4.60% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| EquiTrust Life Insurance Company | Certainty Select 3 | 4.80% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Guaranty Income Life | Guaranty Rate Lock 5 | 4.80% Up to · from 4.70% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 7 | 4.80% Up to · from 4.70% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Lincoln Financial | Lincoln MYGuarantee Plus 7 | 4.80% Up to · from 3.65% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 5 | 4.80% | 5 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| Pacific Guardian Life | Diamond Head 10 | 4.80% | 10 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 5 | 4.80% | 5 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 6 | 4.80% | 6 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 7 | 4.80% | 7 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 8 | 4.80% | 8 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 9 | 4.80% | 9 Year | $10,000 | A | Yr 1: 10% | View Details |
| Reliance Standard Life | Eleos MVA 5 | 4.80% | 5 Year | $10,000 | A++ | Yr 1: 10% | View Details |
| Reliance Standard Life | Reliance Guarantee - 5 | 4.80% | 5 Year | $20,000 | A++ | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 2 (7) Year Plan (Base + ROP) | 4.80% Up to · from 4.60% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (5) Year Plan (Base + PFW) MVA | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (7) Year Plan (Base + PFW) | 4.80% Up to · from 4.55% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SBLI USA | Select Choice 2 (7) Base Policy + ROP | 4.80% Up to · from 4.25% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 5 | 4.80% Up to · from 4.60% | 5 Year | $100,000 | A | Yr 1: 15% | View Details |
| The Standard | Multi-Choice 5 10% Withdrawal Provision | 4.80% Up to · from 4.50% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The Standard | Multi-Choice 7 | 4.80% Up to · from 4.50% | 7 Year | $100,000 | A | Yr 1: 0% | View Details |
| American National Insurance Company | Palladium MYG Annuity 3 | 4.75% Up to · from 4.50% | 3 Year | $250,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarGuard 7 MVA | 4.75% Up to · from 4.55% | 7 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 7 MVA CA | 4.75% Up to · from 4.55% | 7 Year | $100,000 | A | Yr 1: 5% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 5 MVA | 4.75% Up to · from 4.50% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Clear Spring Life | Preserve MYGA 3 | 4.75% Up to · from 4.45% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 7 | 4.75% | 7 Year | $20,000 | A | Yr 1: Interest Only | View Details |
| GBU Life | Asset Guard Select 2 | 4.75% | 2 Year | $25,000 | A- | Yr 1: 10% | View Details |
| GBU Life | Asset Guard Select 3 | 4.75% | 3 Year | $25,000 | A- | Yr 1: 10% | View Details |
| GBU Life | Asset Guard Select 4 | 4.75% | 4 Year | $25,000 | A- | Yr 1: 10% | View Details |
| Jackson® | RateProtector 5 | 4.75% Up to · from 4.45% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Jackson® | RateProtector 7 | 4.75% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Liberty Bankers Life | Heritage Elite 3 | 4.75% | 3 Year | $10,000 | A- | Yr 1: 0% | View Details |
| Lincoln Financial | Lincoln MYGuarantee Plus 5 | 4.75% Up to · from 3.65% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Mass Mutual | Premier Voyage 7 | 4.75% Up to · from 4.45% | 7 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| National Security Insurance Company | National Security MYGA 3 (NQ only) | 4.75% | 3 Year | $25,000 | B | Yr 1: 0% · Yr 2+: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 4 | 4.75% | 4 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| SBLI USA | Select Choice® Plus 1 (7) Year Plan Base Policy MVA | 4.75% Up to · from 4.10% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Securian Financial | SecureOption Choice 7 | 4.75% Up to · from 4.45% | 7 Year | $500,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| SILAC | Secure Savings Elite 5 | 4.75% | 5 Year | $10,000 | B | Yr 1: 0% | View Details |
| The Standard | Multi-Choice 7 Interest Only Withdrawals | 4.75% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| AuguStar | LunarGuard 5 | 4.70% Up to · from 4.50% | 5 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 5 CA | 4.70% Up to · from 4.50% | 5 Year | $100,000 | A | Yr 1: 5% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 7 | 4.70% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 5 | 4.70% | 5 Year | $20,000 | A | Yr 1: Interest Only | View Details |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 6 | 4.70% Up to · from 4.45% | 6 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Liberty Bankers Life | Heritage Premier 3 | 4.70% | 3 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Mass Mutual | Premier Voyage 5 | 4.70% Up to · from 4.40% | 5 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| Mass Mutual | Premier Voyage 6 | 4.70% Up to · from 4.40% | 6 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| MassMutual Ascend Life Insurance Company | SecureGain 7 2025 | 4.70% Up to · from 4.40% | 7 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Midland National Life | MNL Guarantee Pro 7 | 4.70% Up to · from 4.40% | 7 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| Nationwide Life Insurance Company | Secure Growth 7 MVA | 4.70% Up to · from 4.45% | 7 Year | $100,000 | A+ | Yr 1: 10% | View Details |
| North American Company | NAC Guarantee Plus 7 | 4.70% Up to · from 4.40% | 7 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| Oceanview Life and Annuity | Harbourview 3 | 4.70% Up to · from 4.35% | 3 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 2 (5) Year Plan (Base + ROP) | 4.70% Up to · from 4.45% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 4 (7) Year Plan (Base + ROP + PFW) | 4.70% Up to · from 4.50% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (5) Year Plan Base Policy | 4.70% Up to · from 4.50% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 4 (7) Base Policy + ROP + PFW | 4.70% Up to · from 4.15% | 7 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| SBLI USA | Select Choice® Plus 3 (7) Year Plan (Base + PFW) MVA | 4.70% Up to · from 4.05% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| The Standard | Multi-Choice 5 10% Withdrawal Provision ROP | 4.70% Up to · from 4.40% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The Standard | Multi-Choice 7 10% Withdrawal Provision | 4.70% Up to · from 4.40% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Discovery Plus 5 | 4.70% | 5 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Western United Life Insurance Company. | Discovery Plus 7 | 4.70% | 7 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| AuguStar | LunarGuard 7 | 4.65% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 7 CA | 4.65% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: 5% | View Details |
| MassMutual Ascend Life Insurance Company | SecureGain 5 2025 | 4.65% Up to · from 4.35% | 5 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Reliance Standard Life | Eleos SP 5 | 4.65% | 5 Year | $10,000 | A++ | Yr 1: 10% | View Details |
| Royal Neighbors of America | MYGA 3 Year | 4.65% Up to · from 4.55% | 3 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (7) Year Plan (Base + ROP) MVA | 4.65% Up to · from 4.40% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (5) Year Plan (Base + PFW) | 4.65% Up to · from 4.45% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SBLI USA | Select Choice 1 (5) Base Policy | 4.65% Up to · from 4.25% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Securian Financial | SecureOption Choice 5 | 4.65% Up to · from 4.25% | 5 Year | $500,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Securian Financial | SecureOption Choice 7 CA | 4.65% Up to · from 4.35% | 7 Year | $500,000 | A+ | Yr 1: 10% | View Details |
| Security Benefit Life | Advanced Choice 3 | 4.65% Up to · from 4.45% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 7 GROP | 4.65% Up to · from 4.45% | 7 Year | $100,000 | A | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Navigator Elite MVA 3 | 4.65% | 3 Year | $10,000 | B++ | Yr 1: 10% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 5 | 4.60% Up to · from 4.35% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Liberty Bankers Life | Heritage Classic 3 | 4.60% | 3 Year | $10,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 5 NY | 4.60% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Mass Mutual | Stable Voyage 5 | 4.60% Up to · from 4.35% | 5 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Midland National Life | MNL Guarantee Pro 3 | 4.60% Up to · from 4.20% | 3 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| National Life Group | RetireMax Secure 3 MVA | 4.60% Up to · from 4.30% | 3 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| National Life Group | RetireMax Secure 5 | 4.60% Up to · from 4.30% | 5 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Oceanview Life and Annuity | Harbourview 2 | 4.60% Up to · from 4.25% | 2 Year | $70,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Pacific Guardian Life | Diamond Head 3 | 4.60% | 3 Year | $10,000 | A | Yr 1: 10% | View Details |
| Pacific Guardian Life | Diamond Head 4 | 4.60% | 4 Year | $10,000 | A | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 4 (5) Year Plan (Base + ROP + PFW) | 4.60% Up to · from 4.35% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (5) Year Plan (Base + ROP) MVA | 4.60% Up to · from 4.40% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 3 (5) Base Policy + PFW | 4.60% Up to · from 4.20% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Max 3 | 4.60% Up to · from 4.35% | 3 Year | $250,000 | A | Yr 1: Interest Only | View Details |
| The Standard | Multi-Choice 7 10% Withdrawal Provision ROP | 4.60% Up to · from 4.30% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Athene Annuity & Life Assurance Company of New York | Athene Max Rate 3 MYGA - NY | 4.55% Up to · from 4.30% | 3 Year | $100,000 | A+ | Yr 1: Interest Only | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 7 ROP | 4.55% Up to · from 4.30% | 7 Year | $100,000 | A | Yr 1: 10% | View Details |
| North American Company | NAC Guarantee Plus 3 | 4.55% Up to · from 4.15% | 3 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: Interest Only | View Details |
| Royal Neighbors of America | MYGA 3 Year CA | 4.55% Up to · from 4.45% | 3 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 1 (3) Year Plan Base Policy | 4.55% Up to · from 4.30% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (3) Year Plan Base Policy MVA | 4.55% Up to · from 4.30% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (4) Year Plan Base Policy MVA | 4.55% Up to · from 4.30% | 4 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) MVA | 4.55% Up to · from 4.30% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Securian Financial | SecureOption Choice 5 CA | 4.55% Up to · from 4.15% | 5 Year | $500,000 | A+ | Yr 1: 10% | View Details |
| The Standard | Focused Growth Annuity 10 | 4.55% Up to · from 4.25% | 10 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| Western United Life Insurance Company. | Discovery 7 | 4.55% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Discovery 7 CA | 4.55% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| American General Life Insurance Company | American Pathway VisionMYG 10 | 4.50% Up to · from 3.90% | 10 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway VisionMYG 10 | 4.50% Up to · from 3.90% | 10 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 3 Annuity GROP | 4.50% Up to · from 4.15% | 3 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 4 Annuity GROP | 4.50% Up to · from 4.15% | 4 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 5 Annuity GROP | 4.50% Up to · from 4.15% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 7 Annuity GROP | 4.50% Up to · from 4.15% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Equitable Financial Life Insurance of America | Guaranteed Growth Strategiessm 3 MVA | 4.50% Up to · from 4.25% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 4 | 4.50% Up to · from 4.40% | 4 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 5 | 4.50% Up to · from 4.25% | 5 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 3 (3) Year Plan (Base + PFW) | 4.50% Up to · from 4.25% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (7) Year Plan (Base + ROP) | 4.50% Up to · from 4.25% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (3) Year Plan (Base + PFW) MVA | 4.50% Up to · from 4.25% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (4) Year Plan (Base + PFW) MVA | 4.50% Up to · from 4.25% | 4 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) MVA | 4.50% Up to · from 4.30% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SILAC | Secure Savings Elite 3 | 4.50% | 3 Year | $10,000 | B | Yr 1: 0% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 3 | 4.50% Up to · from 4.25% | 3 Year | $250,000 | A | Yr 1: 15% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 5 GROP | 4.50% Up to · from 4.30% | 5 Year | $100,000 | A | Yr 1: 15% | View Details |
| The Standard | Multi-Choice 3 | 4.50% Up to · from 4.20% | 3 Year | $100,000 | A | Yr 1: 0% | View Details |
| Western United Life Insurance Company. | Discovery 5 | 4.50% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Discovery 5 CA | 4.50% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Discovery 6 | 4.50% | 6 Year | $25,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Discovery 6 CA | 4.50% | 6 Year | $25,000 | B++ | Yr 1: 15% | View Details |
| Americo | Platinum Assure 3 | 4.45% | 3 Year | $25,000 | A | Yr 1: 3% | View Details |
| AuguStar | LunarGuard 3 MVA | 4.45% Up to · from 4.25% | 3 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 3 MVA CA | 4.45% Up to · from 4.25% | 3 Year | $100,000 | A | Yr 1: 5% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 5 ROP | 4.45% Up to · from 4.20% | 5 Year | $100,000 | A | Yr 1: 10% | View Details |
| Mutual of Omaha | Ultra - Secure Plus 7 | 4.45% Up to · from 4.30% | 7 Year | $50,000 | A+ | Yr 1: 10% | View Details |
| National Life Group | Green Mountain Freedom 5 | 4.45% | 5 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 2 (3) Year Plan (Base + ROP) | 4.45% Up to · from 4.20% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (3) Year Plan (Base + ROP) MVA | 4.45% Up to · from 4.20% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (4) Year Plan (Base + ROP) MVA | 4.45% Up to · from 4.20% | 4 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (5) Year Plan (Base + ROP) | 4.45% Up to · from 4.25% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 1 (3) Base Policy | 4.45% Up to · from 4.00% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice® Plus 1 (5) Year Plan Base Policy MVA | 4.45% Up to · from 3.95% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| The Standard | Focused Growth Annuity 3 | 4.45% Up to · from 4.15% | 3 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| The Standard | Multi-Choice 3 Interest Only Withdrawals | 4.45% Up to · from 4.15% | 3 Year | $100,000 | A | Yr 1: Interest Only | View Details |
| AuguStar | LunarLock 3 MVA | 4.40% Up to · from 4.20% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 3 MVA CA | 4.40% Up to · from 4.20% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 7 | 4.40% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 7 CA | 4.40% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Mass Mutual | Premier Voyage 3 | 4.40% Up to · from 4.10% | 3 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| Mass Mutual | Premier Voyage 4 | 4.40% Up to · from 4.10% | 4 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| National Security Insurance Company | National Security MYGA 4 (NQ only) | 4.40% | 4 Year | $25,000 | B | Yr 1: 0% · Yr 2+: 10% | View Details |
| National Security Insurance Company | National Security MYGA 6 (NQ only) | 4.40% | 6 Year | $25,000 | B | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (3) Year Plan Base Policy | 4.40% Up to · from 4.15% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 1 (4) Year Plan Base Policy | 4.40% Up to · from 4.15% | 4 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) | 4.40% Up to · from 4.15% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SBLI USA | Select Choice 2 (5) Base Policy + ROP | 4.40% Up to · from 4.00% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 3 (3) Base Policy + PFW | 4.40% Up to · from 3.95% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| SBLI USA | Select Choice® Plus 2 (7) Year Plan (Base + ROP) MVA | 4.40% Up to · from 3.75% | 7 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice® Plus 3 (5) Year Plan (Base + PFW) MVA | 4.40% Up to · from 3.90% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| The Standard | Multi-Choice 3 10% Withdrawal Provision | 4.40% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Future Select 7 | 4.40% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Future Select 7 CA | 4.40% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Aspida | Synergy Choice 3 | 4.35% Up to · from 4.20% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| AuguStar | LunarGuard 3 | 4.35% Up to · from 4.15% | 3 Year | $100,000 | A | Yr 1: 5% | View Details |
| AuguStar | LunarGuard 3 CA | 4.35% Up to · from 4.15% | 3 Year | $100,000 | A | Yr 1: 5% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 3 MVA | 4.35% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 3 | 4.35% | 3 Year | $20,000 | A | Yr 1: Interest Only | View Details |
| Liberty Bankers Life | Heritage Premier Plus 3 | 4.35% | 3 Year | $10,000 | A- | Yr 1: Interest Only | View Details |
| Manhattan Life Insurance Company | Preferred Choice 6 | 4.35% | 6 Year | $25,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 6 CA | 4.35% | 6 Year | $25,000 | B++ | Yr 1: 15% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® 4 (3) Year Plan (Base + ROP + PFW) | 4.35% Up to · from 4.10% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (3) Year Plan (Base + PFW) | 4.35% Up to · from 4.10% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 3 (4) Year Plan (Base + PFW) | 4.35% Up to · from 4.10% | 4 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) MVA | 4.35% Up to · from 4.10% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (4) Year Plan (Base + ROP + PFW) MVA | 4.35% Up to · from 4.10% | 4 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) | 4.35% Up to · from 4.15% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SBLI USA | Select Choice 2 (3) Base Policy + ROP | 4.35% Up to · from 3.90% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| Securian Financial | SecureOption Choice 3 | 4.35% Up to · from 4.05% | 3 Year | $500,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Discovery Plus 3 | 4.35% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| AuguStar | LunarLock 3 | 4.30% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock 3 CA | 4.30% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 3 MVA | 4.30% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 3 MVA CA | 4.30% Up to · from 4.10% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Corebridge Financial | American Pathway Fixed 5 Annuity - No GROP with MVA | 4.30% Up to · from 4.05% | 5 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway Fixed 7 Annuity - No GROP with MVA | 4.30% Up to · from 4.10% | 7 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 3 Annuity | 4.30% Up to · from 4.05% | 3 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 4 Annuity | 4.30% Up to · from 4.05% | 4 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 5 Annuity | 4.30% Up to · from 4.05% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | Corebridge Pathway Choicesm Fixed 7 Annuity | 4.30% Up to · from 4.05% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 3 | 4.30% Up to · from 4.20% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 5 | 4.30% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 5 CA | 4.30% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Mass Mutual | Stable Voyage 3 | 4.30% Up to · from 4.05% | 3 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Mass Mutual | Stable Voyage 4 | 4.30% Up to · from 4.05% | 4 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Oxford Life Insurance Company | Multi-Select 3 | 4.30% | 3 Year | $20,000 | A | Yr 1: Interest Only · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (3) Year Plan (Base + ROP) | 4.30% Up to · from 4.05% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 2 (4) Year Plan (Base + ROP) | 4.30% Up to · from 4.05% | 4 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice 4 (5) Base Policy + ROP + PFW | 4.30% Up to · from 3.90% | 5 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| SBLI USA | Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) MVA | 4.30% Up to · from 3.65% | 7 Year | $100,000 | A- | Yr 1: 10% | View Details |
| The Standard | Multi-Choice 3 10% Withdrawal Provision ROP | 4.30% Up to · from 4.00% | 3 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Corebridge Financial | American Pathway Fixed 5 Annuity | 4.25% Up to · from 3.85% | 5 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway Fixed 5 Annuity - GROP with MVA | 4.25% Up to · from 3.60% | 5 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway Fixed 7 Annuity - GROP with MVA | 4.25% Up to · from 3.65% | 7 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway Fixed 7 Annuity - No GROP | 4.25% Up to · from 4.05% | 7 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| ELCO Mutual Life & Annuity | Guardian Eagle 2 Year | 4.25% | 2 Year | $10,000 | B++ | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 7 | 4.25% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 7 CA | 4.25% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| SBLI USA | Select Choice 4 (3) Base Policy + ROP + PFW | 4.25% Up to · from 3.80% | 3 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 10% | View Details |
| Securian Financial | SecureOption Choice 3 CA | 4.25% Up to · from 3.95% | 3 Year | $500,000 | A+ | Yr 1: 10% | View Details |
| Symetra Life Insurance Company | Symetra Select Pro 3 GROP | 4.25% Up to · from 4.00% | 3 Year | $250,000 | A | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Discovery 3 CA | 4.25% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| AuguStar | LunarLock Prime 3 | 4.20% Up to · from 4.00% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| AuguStar | LunarLock Prime 3 CA | 4.20% Up to · from 4.00% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 3 | 4.20% Up to · from 3.95% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Corebridge Financial | American Pathway Fixed 5 Annuity - GROP | 4.20% Up to · from 3.60% | 5 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Jackson® | RateProtector 3 | 4.20% Up to · from 3.90% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Mutual of Omaha | Ultra - Secure Plus 5 | 4.20% Up to · from 4.05% | 5 Year | $50,000 | A+ | Yr 1: 10% | View Details |
| National Life Group | RetireMax Secure 3 | 4.20% Up to · from 3.90% | 3 Year | $100,000 | A+ | Yr 1: 0% · Yr 2+: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) | 4.20% Up to · from 3.95% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| S.USA Life Insurance Company, Inc. | Select Choice® Plus 4 (4) Year Plan (Base + ROP + PFW) | 4.20% Up to · from 3.95% | 4 Year | $100,000 | A- | Yr 1: 10% | View Details |
| SBLI USA | Select Choice® Plus 1 (3) Year Plan Base Policy MVA | 4.20% Up to · from 3.65% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice® Plus 2 (5) Year Plan (Base + ROP) MVA | 4.20% Up to · from 3.70% | 5 Year | $100,000 | A- | Yr 1: 0% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 5 | 4.20% Up to · from 3.30% | 5 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 7 | 4.20% Up to · from 3.30% | 7 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Western United Life Insurance Company. | Future Select 5 | 4.20% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Western United Life Insurance Company. | Future Select 5 CA | 4.20% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| American General Life Insurance Company | American Pathway VisionMYG 4 | 4.15% Up to · from 3.70% | 4 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| American General Life Insurance Company | American Pathway VisionMYG 5 | 4.15% Up to · from 3.85% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| American General Life Insurance Company | American Pathway VisionMYG 6 | 4.15% Up to · from 3.85% | 6 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| American General Life Insurance Company | American Pathway VisionMYG 7 | 4.15% Up to · from 3.90% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway VisionMYG 4 | 4.15% Up to · from 3.70% | 4 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway VisionMYG 5 | 4.15% Up to · from 3.85% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway VisionMYG 6 | 4.15% Up to · from 3.85% | 6 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Corebridge Financial | American Pathway VisionMYG 7 | 4.15% Up to · from 3.90% | 7 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 15% | View Details |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 3 | 4.15% Up to · from 3.90% | 3 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Guardian Insurance & Annuity Co. | Guardian Fixed Target Annuity 4 | 4.15% Up to · from 3.90% | 4 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 3 NY | 4.15% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| SBLI USA | Select Choice® Plus 3 (3) Year Plan (Base + PFW) MVA | 4.15% Up to · from 3.60% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Global Atlantic Financial Group | SecureFore 3 | 4.10% Up to · from 3.90% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 10 | 4.10% Up to · from 4.00% | 10 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 6 | 4.10% Up to · from 4.00% | 6 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 8 | 4.10% Up to · from 4.00% | 8 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Guaranty Income Life | Guaranty Rate Lock 9 | 4.10% Up to · from 4.00% | 9 Year | $100,000 | A- | Yr 1: 0% · Yr 2+: 5% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 3 | 4.10% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Manhattan Life Insurance Company | Preferred Choice 3 CA | 4.10% | 3 Year | $10,000 | B++ | Yr 1: Interest Only | View Details |
| Nationwide Life Insurance Company | Secure Growth 3 MVA | 4.10% Up to · from 3.85% | 3 Year | $100,000 | A+ | Yr 1: 10% | View Details |
| SBLI USA | Select Choice® Plus 2 (3) Year Plan (Base + ROP) MVA | 4.10% Up to · from 3.55% | 3 Year | $100,000 | A- | Yr 1: 0% | View Details |
| SBLI USA | Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) MVA | 4.10% Up to · from 3.60% | 5 Year | $100,000 | A- | Yr 1: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 3 | 4.10% Up to · from 3.25% | 3 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 4 | 4.10% Up to · from 3.25% | 4 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 5 ROP | 4.10% Up to · from 3.25% | 5 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 7 ROP | 4.10% Up to · from 3.25% | 7 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Brighthouse Life Insurance Company | Fixed Rate Annuity 3 ROP | 4.05% Up to · from 3.80% | 3 Year | $100,000 | A | Yr 1: 10% | View Details |
| Corebridge Financial | American Pathway Fixed 7 Annuity - GROP | 4.05% Up to · from 3.60% | 7 Year | $100,000 | A | Yr 1: Interest Only · Yr 2+: 15% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 5 | 4.00% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 5 CA | 4.00% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Revol One Financial | Excelera Plus 3 Year | 4.00% | 3 Year | $50,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | Excelera Plus 5 Year | 4.00% | 5 Year | $50,000 | B++ | Yr 1: 0% | View Details |
| Revol One Financial | Excelera Plus 7 Year | 4.00% | 7 Year | $50,000 | B++ | Yr 1: 0% | View Details |
| SBLI USA | Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) MVA | 4.00% Up to · from 3.45% | 3 Year | $100,000 | A- | Yr 1: 10% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 7 NY | 3.95% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| MassMutual Ascend Life Insurance Company | SecureGain 3 2025 | 3.95% Up to · from 3.60% | 3 Year | $100,000 | A++ | Yr 1: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 3 ROP | 3.95% Up to · from 3.10% | 3 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| The United States Life Insurance Co. (NY) | Corebridge Pathway Choicesm Focus NY 4 ROP | 3.95% Up to · from 3.10% | 4 Year | $249,999 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Nationwide Life Insurance Company | Secure Growth 4 MVA | 3.90% Up to · from 3.60% | 4 Year | $100,000 | A+ | Yr 1: 10% | View Details |
| SILAC | Secure Savings Elite 2 | 3.90% | 2 Year | $10,000 | B | Yr 1: 0% | View Details |
| American Equity Investment Life Insurance Company | GuaranteeShield 3 | 3.75% Up to · from 3.50% | 3 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| American Equity Investment Life Insurance Company | GuaranteeShield 5 | 3.75% Up to · from 3.50% | 5 Year | $100,000 | A | Yr 1: 0% · Yr 2+: 10% | View Details |
| Manhattan Life Insurance Company | Preferred Choice 6 NY | 3.75% | 6 Year | $25,000 | B++ | Yr 1: 15% | View Details |
| Securian Financial | SecureOption Focus 7 (ROP) | 3.75% Up to · from 3.45% | 7 Year | $100,000 | A+ | Yr 1: 10% | View Details |
| SILAC | Secure Savings Elite 5 (FL) | 3.75% | 5 Year | $10,000 | B | Yr 1: 0% | View Details |
| Integrity Life Insurance Company | MultiVantage 10 | 3.70% | 10 Year | $20,000 | A+ | Yr 1: 10% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 7 NY | 3.70% | 7 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Manhattan Life Insurance Company | Premium Preferred 5 NY | 3.65% | 5 Year | $10,000 | B++ | Yr 1: 15% | View Details |
| Integrity Life Insurance Company | New Momentum 5 | 3.55% | 5 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| National Integrity Life Insurance | New Momentum 10 | 3.55% | 10 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| Integrity Life Insurance Company | SPDA Series II 7 | 3.50% | 7 Year | $3,000 | A+ | Yr 1: 10% | View Details |
| SILAC | Secure Savings Elite 3 (FL) | 3.50% | 3 Year | $10,000 | B | Yr 1: 0% | View Details |
| Integrity Life Insurance Company | MultiVantage 5 | 3.45% | 5 Year | $20,000 | A+ | Yr 1: 10% | View Details |
| Integrity Life Insurance Company | MultiVantage 7 | 3.45% | 7 Year | $20,000 | A+ | Yr 1: 10% | View Details |
| Integrity Life Insurance Company | New Momentum 10 | 3.45% | 10 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| Mass Mutual | Premier Voyage 2 | 3.45% Up to · from 3.15% | 2 Year | $1,000,000 | A++ | Yr 1: 10% | View Details |
| SILAC | Secure Savings 5 Year | 3.45% | 5 Year | $10,000 | B | Yr 1: Interest Only · Yr 2+: 5% | View Details |
| Integrity Life Insurance Company | MultiVantage 4 | 3.35% | 4 Year | $20,000 | A+ | Yr 1: 10% | View Details |
| National Integrity Life Insurance | New Momentum 7 | 3.35% | 7 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| Integrity Life Insurance Company | New Momentum 7 | 3.30% | 7 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| Integrity Life Insurance Company | New Momentum 6 | 3.25% | 6 Year | $5,000 | A+ | Yr 1: 10% | View Details |
| SILAC | Secure Savings 3 Year | 3.15% | 3 Year | $10,000 | B | Yr 1: Interest Only · Yr 2+: 5% | View Details |
| SILAC | Secure Savings Elite 2 (FL) | 3.15% | 2 Year | $10,000 | B | Yr 1: 0% | View Details |
| SILAC | Secure Savings 2 Year | 2.60% | 2 Year | $10,000 | B | Yr 1: Interest Only · Yr 2+: 5% | View Details |
| The United States Life Insurance Co. (NY) | Assured Edge Income Builder | 2.40% | 7 Year | $25,000 | A | Yr 1: 10% | View Details |
| American General Life Insurance Company | Assured Edge Income Achiever | 2.00% | 10 Year | $25,000 | A | Yr 1: 10% | View Details |
Rates are for informational purposes only and subject to change without notice. Products marked SI use simple interest. Guarantees are backed by the claims-paying ability of the issuing insurance company. Not FDIC insured. State guaranty association limits apply. Always verify with a licensed professional before purchasing.
Today the best 5 year fixed annuity rate is 6.30% and the best 5 year CD rate is 4.00% (according to bankrate.com on date below). The 5 year annuity would grow to $135,727 at the end of the surrender period and the CD would have grown to $121,665, that’s $14,062 less than the annuity!
| Term | Best Annuity Rate | $100,000 → Annuity | Best CD Rate | $100,000 → CD | Annuity Edge |
|---|---|---|---|---|---|
| 2-Year | 5.15% CL Life | $110,565 +$10,565 earned | 4.10% National Best | $108,368 +$8,368 earned | +$2,197 |
| 3-Year | 5.60%SI Knighthead Life | $116,800 +$16,800 earned | 3.95% National Best | $112,324 +$12,324 earned | +$4,476 |
| 4-Year | 5.00%SI Nassau Life and Annuity Company | $120,000 +$20,000 earned | 3.90% National Best | $116,537 +$16,537 earned | +$3,463 |
| 5-Year | 6.30% American Gulf | $135,727 +$35,727 earned | 4.00% National Best | $121,665 +$21,665 earned | +$14,062 |
Best CD rate as of March 30, 2026 according to Bankrate.com. Annuity values use compound interest at the stated rate; products marked SI use simple interest. Rates subject to change without notice. Availability & features vary by state and insurer. Guarantees are backed by the claims‑paying ability of the issuing insurance company. Not a bank product. Not FDIC insured. State guaranty association limits apply (vary by state).
Most rate comparison pages stop at the headline number — 6.30% annuity vs. 4.00% CD. But that comparison misses the single biggest advantage fixed annuities have over bank products: tax-deferred compounding.
With a CD, the IRS taxes your interest every year — even if you don’t touch the money. That annual tax drag quietly eats into your real return. A fixed annuity, on the other hand, lets every dollar of interest compound untouched until you withdraw.
Here’s what that looks like on a $200,000 investment over 5 years:
| 5-Year MYGA (5.65%) | 5-Year CD (4.00%) | 5-Year Treasury (4.25%) | |
|---|---|---|---|
| Gross Value at Maturity | $263,166 | $243,330 | $246,080 |
| Annual Tax Drag (24% bracket) | $0 / year | $1,920 / year | $2,040 / year |
| After-Tax Value at Maturity* | $247,846 | $233,730 | $235,958 |
| Net After-Tax Gain | $47,846 | $33,730 | $35,958 |
*MYGA assumes full withdrawal taxed at 24% federal rate at maturity. CD and Treasury interest taxed annually at 24%. Treasury interest exempt from state tax. Actual results depend on your tax bracket and state.
The MYGA produces $14,116 more in after-tax gains than the CD — and $11,888 more than the Treasury — on the same $200,000. That gap widens in higher tax brackets and over longer terms. If you’re in the 32% bracket, the MYGA advantage grows to over $18,000.
This is why financial professionals often describe MYGAs as “the CD’s tax-advantaged cousin.” The headline rate is only part of the story. The IRS Publication 575 covers the full tax treatment of annuity income.
Important caveat: If you withdraw annuity earnings before age 59½, you may owe a 10% IRS penalty. You will also owe ordinary income tax. This makes fixed annuities best suited for money you don’t need until retirement.
3 year fixed annuity rates are best for short-term goals, cash you may need on a near-term timeline, or as the first rung in a ladder strategy. Three-year MYGAs can out-yield many short CDs, and interest grows tax-deferred until withdrawn.
Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest — effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.
If you want a strong balance of yield and flexibility, 5-year MYGA rates typically sit in the sweet spot. You’ll lock in a competitive rate for five years, enjoy tax-deferred growth, and keep options open at the end of the term. Many contracts include 10% penalty-free withdrawals annually.
Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest — effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.
7 year fixed annuity rates often add a slight rate premium versus 5-year options. They are good for money you can leave alone for a while. You won’t need cash beyond the penalty-free amount.
Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest — effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.
Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest — effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.
For long-term savers seeking the highest available fixed rates, 10-year annuity rates can offer the most attractive yields. These are ideal for dollars you don’t plan to touch until maturity, or for pre-retirees laddering maturities into their retirement window.
Most financial professionals suggest that locking in a portion of fixed-income savings at today’s rates makes sense for anyone 5–10 years from retirement. Fixed annuity rates are sitting near their highest levels in 15 years after the Federal Reserve raised interest rates aggressively from 2022 to 2023.
Insurance companies price MYGA rates off Treasury yields, so when the Fed moved, MYGA rates followed. Those elevated rates have held through 2025 and into 2026. The top A-rated 5-year MYGA rate today is 5.65%, compared to roughly 2.5%–3.5% in 2020–2021. Whether this window stays open depends on what happens with the Fed and Treasury yields.
If you want to diversify your interest rate risk, you can create an annuity ladder and distribute your premium across 3-year, 5-year, and 7-year MYGAs.
A fixed annuity is an insurance contract that guarantees a set rate of return on your contributions over a specified period. Think of it as a deal between you and an insurance company: you hand over a lump sum (or make a series of payments), and in return, the insurer promises predictable, steady growth. Fixed annuities have become popular among retirees because they provide a safe and steady way to grow retirement savings with the added benefit of tax-deferral.
Fixed annuities have two phases:
Key Characteristics
Market Value Adjustment (MVA): A feature in fixed annuities that adjusts the surrender value if money is withdrawn early, reflecting changes in interest rates since the contract was purchased. If current rates are higher than at purchase, the MVA is negative (reducing payout); if lower, it is positive.
A fixed annuity usually credits interest to your account monthly; however, some insurance companies credit interest daily or annually. Similar to a CD, fixed annuity rates are set at the time you purchase the annuity and are guaranteed for the entire term.
Most fixed annuities credit compound interest, meaning the interest you earn each year is added to your account balance, and the following year you earn interest on that larger balance. Over time, this compounding effect can meaningfully accelerate your growth.
A smaller number of annuities credit simple interest instead. With simple interest, you only earn interest on your original deposit, and not on the interest you have already earned.
Here’s how that difference plays out on a $100,000 annuity at 5.90% over 5 years:
| Year | Compound Interest | Simple Interest |
|---|---|---|
| Year 1 | $105,900 | $105,900 |
| Year 2 | $112,148 | $111,800 |
| Year 3 | $118,765 | $117,700 |
| Year 4 | $125,772 | $123,600 |
| Year 5 | $133,193 | $129,500 |
| Total Gain | $33,193 | $29,500 |
Compounding produces $3,693 more over just five years on the same deposit and the same rate — a gap that widens significantly over longer terms. You can use our fixed annuity calculator to see how an annuity would grow over time.
Tax-Deferred Growth
Regardless of how interest is credited, you do not have to pay taxes on the money your annuity earns until you make a withdrawal. This tax deferral allows your full balance, including the interest, to keep growing without being reduced by an annual tax bill. This gives fixed annuities a meaningful edge over taxable alternatives like CDs.
Fixed annuity rates don’t exist in a vacuum — they’re shaped by a combination of broader economic forces and personal financial details. Understanding what drives these rates can help you time your purchase and set realistic expectations.
Interest Rate Environment The single biggest driver of fixed annuity rates is the overall interest rate environment. Insurance companies invest your premium primarily in bonds and other fixed-income assets. When the Federal Reserve raises benchmark rates, bond yields rise, and insurers can offer more competitive annuity rates in return. Conversely, when rates fall, annuity yields tend to follow.
U.S. Treasury and Corporate Bond Yields Closely tied to the Fed’s decisions, Treasury and corporate bond yields directly influence what insurers earn on their investment portfolios. Higher bond yields give carriers more room to offer attractive guaranteed rates to annuity buyers.
The Insurance Company’s Strategy and Rating: Some carriers are more aggressive in attracting new premiums and may offer higher rates to win business. Insurance companies with lower financial ratings (AM Best) usually offer higher annuity rates than A-rated companies.
The Premium Amount: Many insurers offer tiered rates based on how much you deposit. Investments of $100,000 or more usually get higher annuity rates than smaller investments in the same product.
Contract Term Length Longer surrender periods typically come with higher rates. A 10-year fixed annuity will generally offer a better rate than a 3-year product, as you’re committing your funds for a longer period.
Your State of Residence Annuity products are regulated at the state level, and some products are not available in all states. Rates can vary slightly by location due to differing regulatory requirements.
You can read our full guide if you’d like to know more about how fixed annuity rates are set.
One of the smartest ways to maximize your fixed annuity returns while keeping flexibility is through a laddering strategy. Instead of buying a single annuity with one term length, annuity laddering involves splitting your investment across multiple fixed annuities with staggered maturity dates.
How It Works: A Real-Dollar Example
Say Jim, age 63, has $150,000 he wants to protect and grow in retirement. Instead of locking the entire amount into one 10-year annuity, he splits it into three equal contracts:
| Contract | Amount | Rate | Term | Matures |
|---|---|---|---|---|
| MYGA #1 | $50,000 | 5.50% | 3 years | 2029 |
| MYGA #2 | $50,000 | 5.90% | 5 years | 2031 |
| MYGA #3 | $50,000 | 6.30% | 7 years | 2033 |
When Jim’s first annuity becomes liquid in 2029, it will have grown to roughly $58,600. He can access this money penalty-free and reinvest, or roll it into a new annuity at whatever rates are available then. His other two contracts continue compounding tax-deferred, untouched.
Why It Makes Sense
The primary benefit of laddering is liquidity. Fixed annuities typically impose surrender charges if you withdraw funds before the contract term ends. By staggering your terms, you ensure that a portion of your money becomes accessible every few years.
Laddering also helps you manage interest rate risk. Buying a single long-term contract means you could miss out if rates rise significantly. With a ladder, your shorter-term contracts renew more often, allowing you to capture higher rates as they become available.
Who It’s Best For
This strategy works particularly well for retirees or near-retirees who want the safety and guaranteed growth of fixed annuities but don’t want their entire nest egg locked up for a decade or more. It balances the higher rates that come with longer terms against the peace of mind that comes with regular access to your money.
When you buy a fixed annuity, you’re trusting an insurance company to honor a multi-year guarantee. Unlike bank CDs, annuities are not FDIC insured. Your principal is backed by the insurer’s financial strength and your state’s guaranty association. That makes evaluating the carrier just as important as comparing rates.
Here’s how we evaluate carriers for our clients:
1. Check the AM Best rating
AM Best is the gold standard for insurance company financial strength. We recommend sticking with carriers rated A- (Excellent) or better for the majority of your annuity allocation. Higher-rated companies tend to offer slightly lower rates, while B++ carriers often lead the rate tables — that’s the trade-off.
| AM Best Rating | What It Means | Typical Rate Premium vs. A-Rated |
|---|---|---|
| A+ / A++ (Superior) | Strongest financial position; long track record | Baseline (lowest rates) |
| A / A- (Excellent) | Very strong; broad product lines; well capitalized | +0.10% to +0.30% |
| B++ (Good) | Solid but less seasoned or smaller reserves; still investment grade | +0.40% to +0.80% |
| B+ or below | Adequate but carries more risk; proceed with caution | +0.80% or more |
2. Look at more than one rating agency
AM Best is the most widely used, but S&P Global, Moody’s, and Fitch also rate insurers. If a company has strong marks across multiple agencies, that’s a good sign. If one agency rates them significantly lower than the others, dig into why.
3. Review the company’s history and assets under management
How long has the carrier been writing annuity business? A company with 50+ years of history and $100 billion in assets carries different risk than a 5-year-old startup with $2 billion. Neither is automatically better or worse, but you should know which you’re buying from.
4. Understand your state guaranty association coverage
Every state has a guaranty association that provides a safety net if an insurer becomes insolvent. Coverage limits vary by state — typically $250,000 to $500,000 per person, per carrier. If you’re investing more than your state’s limit with a single carrier, consider splitting between two companies. You can check your state’s limits at NOLHGA.com.
5. Read the contract, not just the rate sheet
The highest rate means nothing if the contract has punishing surrender charges, a harsh MVA formula, or restrictive withdrawal provisions. We review every contract we recommend and can walk you through the fine print before you sign.
One of the most common questions we hear from first-time annuity buyers is: “What happens when my term is up?” It’s a fair question — and the answer is more flexible than most people expect.
When your fixed annuity reaches the end of its guarantee period, you typically have four options:
Option 1: Renew with the same carrier
Most insurers will offer a renewal rate for another term. This rate will reflect current market conditions — it could be higher or lower than your original rate. You’ll usually have a 30-day window to decide. If you don’t take action, many contracts automatically renew at a lower “renewal rate” for a 1-year period. Don’t let this happen by default — always review your options before the term expires.
Option 2: Transfer to a new annuity via a 1035 exchange
If another carrier is offering a better rate, you can move your funds tax-free using a 1035 exchange (named after Section 1035 of the Internal Revenue Code). No taxes are triggered on the transfer. This is one of the most common moves at maturity, and we handle the paperwork for our clients at no cost.
Option 3: Take a lump-sum withdrawal
You can withdraw the full account value — your original premium plus all accumulated interest. You’ll owe ordinary income tax on the gains (but not on your original deposit, since that was already taxed). If you’re over 59½, there’s no IRS penalty.
Option 4: Annuitize for guaranteed lifetime income
You can convert your account value into a stream of monthly, quarterly, or annual income payments. The payout depends on your age, gender, account value, and the payment option you choose (life only, life with period certain, joint life, etc.). Once annuitized, you generally can’t change the terms — so this works best for people who want predictable income and don’t need a lump sum.
Our recommendation: Start thinking about your maturity options 60–90 days before your term ends. We send maturity reminders to every client and provide updated rate comparisons so you can make an informed decision.
If you’ve never purchased an annuity before, the process can feel opaque. Here’s exactly what happens, step by step, based on thousands of applications we’ve processed:
Step 1: Compare rates and choose a product (1–3 days)
Use the rate table above to compare products. Narrow your options based on rate, term, carrier rating, and features (free withdrawals, MVA, minimum deposit). If you want help, call us or request a personalized rate report. We will match you with products for your situation.
Step 2: Complete the application (15–30 minutes)
Annuity applications are straightforward — typically 4–8 pages. You’ll provide basic personal information, beneficiary designations, and funding details. We pre-fill most of the paperwork and walk you through each section. Many carriers now accept electronic signatures, so you can complete the entire process from home.
Step 3: Fund the annuity
You can fund a fixed annuity with:
Transfers and rollovers typically take 10–21 business days. Direct funding via check or wire is faster — usually 3–5 business days.
Step 4: Policy issue and rate lock
Once the carrier receives your application and funds, they issue the policy. Your guaranteed rate locks in on the date your money is received (not the date you signed the application). Most carriers issue policies within 1–5 business days of receiving funds.
Step 5: Free-look period (10–30 days)
Every state requires a free-look period after your policy is issued — typically 10 to 30 days depending on your state and age. During this time, you can cancel the contract and receive a full refund of your premium, no questions asked. Think of it as a “test drive” period.
Total timeline: From first inquiry to funded policy, most of our clients complete the process in 2–4 weeks. 1035 exchanges and rollovers may take slightly longer due to the releasing company’s processing time.
Surrender charges are the trade-off for the higher rates that fixed annuities offer. The carrier guarantees your rate for the full term, and in return, they expect your money to stay put. If you withdraw more than the free amount during the surrender period, you’ll pay a penalty.
Here’s what typical surrender charge schedules look like across different term lengths:
| Year | 3-Year MYGA | 5-Year MYGA | 7-Year MYGA | 10-Year MYGA |
|---|---|---|---|---|
| Year 1 | 7% | 8% | 9% | 9% |
| Year 2 | 6% | 7% | 8% | 9% |
| Year 3 | 5% | 6% | 7% | 8% |
| Year 4 | 0% | 5% | 6% | 7% |
| Year 5 | — | 0% | 5% | 6% |
| Year 6 | — | — | 4% | 5% |
| Year 7 | — | — | 0% | 4% |
| Year 8–10 | — | — | — | 3% → 0% |
These are representative schedules. Actual charges vary by product. Always review the specific surrender schedule in your contract illustration.
What most people don’t realize: Most MYGAs include a 10% annual free withdrawal provision starting in year one or year two. This means you can pull out up to 10% of your account value each year without triggering any surrender charge. That’s $10,000 on a $100,000 annuity — enough to cover many unexpected expenses.
Some contracts also waive surrender charges entirely for:
My Annuity Store sources its fixed annuity rates (MYGA rates) through Annuity Rate Watch, a third-party annuity data provider. We connect to Annuity Rate Watch via a secure API. It is this technology that enables us to display annuity rates from so many annuity companies.
How often are annuity rates updated?
Rates on this page are refreshed automatically every 6 hours. Insurance companies can change their rates at any time, and there may be short delays between a carrier’s internal rate change and when it appears here. Before you purchase, we will verify the current rate directly with the carrier.
Availability and limitations
Not all annuity products or rates are available in every state or for every client. Actual rates and product options may vary based on your state of residence, premium amount, issue age, and product selection.
Our role and compensation
My Annuity Store, Inc. is an independent annuity brokerage. If you choose to purchase an annuity through us, we are paid a commission by the issuing insurance company. This compensation does not reduce your credited rate, account value, or annuity guarantees.
For full disclosures, please see the Disclosures section at the bottom of this page.
Fixed annuity rates (often called MYGA rates for Multi‑Year Guaranteed Annuities) are the guaranteed interest rates insurers credit for a set term (e.g., 3, 5, 7, 10 years). Insurers set these rates based on portfolio yields, prevailing Treasury and corporate bond yields, product features, and capital requirements.
Tip: Higher rates often come with longer terms or stricter liquidity. Always review surrender schedules and any Market Value Adjustment (MVA).
A fixed annuity is a broad category. A MYGA is a type of fixed annuity that guarantees a level interest rate for a specific multi‑year term. Other fixed annuities (like traditional fixed or fixed indexed annuities) have different crediting methods and features.
MYGA: simple, CD‑like guaranteed rate for 3–10 years.
Traditional fixed: insurer declares rates periodically (may change after first year).
Fixed annuity rates can change at any time based on market conditions and insurer pricing. Most carriers update weekly or monthly, but changes can occur intra‑month when yields move. We monitor and update rates on business days.
Always confirm the rate on the date your application is signed and received by the carrier.
Fixed annuities are backed by the claims‑paying ability of the issuing insurer. Safety is evaluated using independent ratings (A.M. Best, S&P, Moody’s, Fitch). Higher ratings generally indicate stronger financial strength but may correlate with slightly lower headline rates.
An MVA adjusts your surrender value (up or down) if you withdraw more than the free amount during the surrender period. If interest rates have risen since purchase, an MVA can reduce the value; if rates have fallen, it can increase it. MVA does not affect your guaranteed interest if you hold to term and stay within free withdrawal limits.
Most MYGAs allow annual free withdrawals (often 10% of account value) after the first year. Fixed annuities with out free withdrawal options often offer higher fixed annuity rates.
Guaranteed interest rates offered by fixed annuities are often higher than CD rates.
We regularly update this page and cite primary sources, carrier filings, and regulator guidance:
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