Every rate you see on MyAnnuityStore.com comes from a single, verifiable source. This page explains exactly how we collect, display, and update the annuity rate data across our site.
Our Data Source: AnnuityRateWatch
All fixed annuity and MYGA rates displayed on our site are sourced from AnnuityRateWatch, the insurance industry’s most widely used rate aggregation platform. AnnuityRateWatch collects rate filings directly from insurance carriers and distributes them to financial professionals, publishers, and comparison platforms nationwide.
We chose AnnuityRateWatch because it is the same data source used by independent agents, broker-dealers, and financial publications across the industry. This means the rates you see here match what a licensed advisor would quote you.
How Rates Get to Our Site
Here is the step-by-step process:
- Carrier files a rate change – An insurance company updates its annuity rates (new product launch, rate increase, or rate decrease).
- AnnuityRateWatch captures the update – Their team verifies the filing and adds it to their database.
- Our rate tables refresh daily – We pull updated data from the AnnuityRateWatch API every day. Changes typically appear on our site within 24 to 48 hours of the carrier’s official update.
- Rates display in our comparison tables – The data populates our fixed annuity rate tables, term-specific pages, and state rate pages.
What Our Rate Tables Show
Each rate listing includes:
- Carrier name and link to our carrier review
- Product name and link to our product review (when available)
- Guaranteed rate for the stated term
- Term length (typically 2 to 10 years for MYGAs)
- AM Best rating of the issuing carrier
- Minimum premium required to purchase
Why Your Rate May Differ
The rates in our tables represent the most common rate tier for each product. Your actual rate may differ based on several factors:
- State of residence – Not all products are available in every state, and some carriers offer different rates by state. Our state rate pages show products available in your specific state.
- Premium amount – Many carriers offer higher rates for larger deposits (for example, $100,000+ vs. $25,000).
- Age – Some products adjust rates based on the annuitant’s age at purchase.
- Account type – Qualified (IRA, 401k rollover) and non-qualified (after-tax) money may receive different rates from certain carriers.
- Rate changes after publishing – Carriers can change rates at any time. A rate you see today may change tomorrow.
For these reasons, we always recommend requesting a personalized quote to confirm the exact rate available to you before making a decision.
What We Do Not Show
Transparency means being clear about limitations too:
- We do not display every product on the market. We show products from carriers we are appointed with through AnnuityRateWatch. Other products may exist that we do not feature.
- We do not show variable annuity returns. Variable annuity performance depends on subaccount investments and cannot be quoted as a fixed rate. Our rate tables focus on guaranteed fixed products.
- We do not guarantee rate accuracy in real time. While we update daily, a carrier could change a rate between our refresh cycles. Always confirm with a quote.
- We do not include bonus rates in the base rate column. Some carriers offer first-year premium bonuses. These are noted separately when applicable, not blended into the guaranteed rate.
How We Sort and Rank Rates
By default, our rate tables are sorted by highest guaranteed rate first within each term length. This gives you the most competitive options at the top.
We do not accept payment from carriers to boost their ranking position in our rate tables. Sort order is determined purely by the rate data from AnnuityRateWatch.
For our editorial “best of” lists (like Best Fixed Annuity Companies), we apply additional criteria beyond rate alone. See our full methodology page for details on how those rankings work.
Fixed Index Annuity (FIA) Rates
Fixed index annuity rates work differently from MYGA rates. Instead of a single guaranteed rate, FIAs offer:
- Cap rates – The maximum return you can earn in a crediting period
- Participation rates – The percentage of index gains credited to your account
- Spreads – A percentage subtracted from index performance before crediting
Our FIA rate tables display current cap rates sourced from AnnuityRateWatch. These rates are not guaranteed for the life of the contract and may change at renewal, subject to the contract’s guaranteed minimum.
How Often Do Rates Change?
MYGA and fixed annuity rates are influenced by the broader interest rate environment, particularly U.S. Treasury yields and corporate bond markets. In general:
- When the Federal Reserve raises rates, annuity rates tend to follow within weeks to months
- When Treasury yields fall, carriers often reduce annuity rates
- Individual carriers adjust rates on their own schedules, sometimes weekly, sometimes quarterly
For current trend analysis, see our annuity rate outlook page.
Frequently Asked Questions
Where do MyAnnuityStore.com rates come from?
All rates are sourced from AnnuityRateWatch, the leading rate aggregation service used across the insurance and financial services industry. Rates are updated daily.
Are the rates on this site guaranteed?
The rates shown reflect current carrier filings as reported by AnnuityRateWatch. However, rates can change at any time and may vary by state, age, and premium amount. A personalized quote confirms the exact rate available to you.
Do carriers pay to appear higher in your rate tables?
No. Rate tables are sorted by highest guaranteed rate first. We do not accept payment to boost ranking positions. Sort order is determined by rate data alone.
How quickly do rate changes show up on your site?
Our data refreshes daily. When a carrier changes a rate, the update typically appears on our site within 24 to 48 hours.
Why is the rate I was quoted different from what I see on your site?
Rates can vary based on your state of residence, premium amount, age, and account type (qualified vs. non-qualified). The rate tables show the most common rate tier. A personalized quote accounts for your specific details.
