Today's Best Fixed Annuity Rates

TermInsurerAnnuityA.M. BestRate
3yrAmerican EquityGuaranteeShield 3B++2.40%
4yrOxford Life Insurance CoMulti-Select 4A-2.80%
5yrSagicor LifeMilestone MYGA 5B++2.90%
6yrOxford Life Insurance CoMulti-Select 6A-2.90%
7yrFidelity & Guaranty LifeFG-Guarantee Plantinum 7A-2.90%
8yrOxford LifeMulti-Select 8A-2.95%
9yrGuaranty Income LIfeGuaranty Rate Lock 9B++3.00%
10yrOxford LIfeMulti-Select 10A-3.00%

Want to Shop for the Best MYGA rates by term?

Test. Just click the link below for the contract duration you are interested for and you’ll be able to compare our top annuity rates for that specific term.

Frequently Asked Questions

Yes. Insurance companies as a whole have a long history of stability, even through our nation’s most difficult economic times. Fixed annuities, unlike variable annuities, are backed by the full faith and credit of the issuing insurance company

 
 

Yes. Insurance companies as a whole have a long history of stability, even through our nation’s most difficult economic times. Fixed annuities, unlike variable annuities, are backed by the full faith and credit of the issuing insurance company

In the broadest terms, an annuity is a contract between you and an insurance company, where you make a premium payment(s) in exchange for the benefits defined in the contract.

In the broadest terms, an annuity is a contract between you and an insurance company, where you make a premium payment(s) in exchange for the benefits defined in the contract.

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Today’s Best Indexed Annuity Rates 2020

The below table lists the best fixed index annuity S&P 500 annual cap rates available today. There are many different index annuity crediting methods and available indexes; so many that it is impossible to lists them here in one table.

Want to view all available annuity rates, crediting strategies and available indexes from a specific Insurance Company?

 InsurerAnnuity NameAM BestS&P500
Term
Athene Annuity Logo Athene IAAscent Accumulator 10A5.00%10 yrs
oxford life insurance company logoOxford Life Insurance CompanySelect 10A-4.85%10 yrs
The Standard Insurance Company Logo PNGThe StandardIndex Select Annuity 10A4.75%10 yrs
The Standard Insurance Company Logo PNGThe StandardIndex Select Annuity 10A4.50%10 yrs
Guaranty Income Life Insurance Company Logo Guaranty Income LifeWealthChoice 10B++4.50%10 yrs
AIG Logo American General Life Insurance Power 10 ProtectorA4.25%10 yrs
Sagicor Life LogoSagicor Life Insurance CompanySage Secure 10A-4.10%10 yrs
North American Guarantee Choice 7 Year Fixed AnnuityNorth American CompanyBenefitSolutions 10A+4.00%10 yrs
Fidelity & Guaranty Life LogoFidelity & Guaranty LifeProsperity Elite 10A-4.00%10 yrs
The Standard Insurance Company Logo PNGThe StandardIndex Select Annuity 7A4.75%7 yrs
Guaranty Income Life Insurance Company Logo Guaranty Income LifeWealthChoice 7B++4.75%7 yrs
Athene Annuity Logo Athene IAAthene Protector 7A4.50%7 yrs

Indexed Annuity Rates by Insurance Company

Click the see rates button for an insurance company below to see current fixed index annuity rates for all annuity products issued by that insurer.

 COMPANYRATINGVIEW RATES
Great American Annuity Logo Great American A
Fidelity & Guaranty Life Logo Fidelity & Guaranty LifeA-
oxford life insurance company logoOxford LifeA-
Global Atlantic Financial Group PNG LogoGlobal AtlanticA
Allianz Logo Allianz LifeA+

Fixed Index Annuity FAQ's

Yes. Insurance companies as a whole have a long history of stability, even through our nation’s most difficult economic times. Fixed index annuities, unlike variable annuities, are backed by the full faith and credit of the issuing insurance company.

 
 

Fixed index annuities are a type of fixed annuity that earns interest based on changes in a market index, which measures how the market or part of the market performs. The interest rate is guaranteed to never be less than zero, even if the market goes down.  The return earned in a variable annuity isn’t guaranteed.

Fixed Index Annuities are a type of fixed annuity that offers a change to earn more when the markets perform and downside protection from potential market downturns.

In the broadest terms, an annuity is a contract between you and an insurance company, where you make a premium payment(s) in exchange for the benefits defined in the contract.

A fixed index annuity does not have any upfront fees or sales charges; meaning 100% of your purchase amount is credited towards your account value.  Additional riders may be added for an annual fee on some indexed annuity contracts.

ibbotson whitepaper on fixed indexed annuities download

Download the complete 23 page Ibbotson Whitepaper on Fixed Index Annuities

Best Annuity Rates Today for Immediate Annuties

How much does a $100,000 annuity buy?

Below is a table showing the monthly payout for a 65 year old male listed by insurance company from best to worst. Commonly the higher the insurance company is rated the lower their payout will be; that is not always the case.

Our retirement nest egg calculator is a helpful tool when trying to figure out if you are on track to meet your retirement income goals.

Immediate annuity rates table listing monthly income for 65 year old male by insurance company
Immediate Annuity Payout Rates on $100,000 for 65 year old male.

Current monthly payout amounts for a $100,000 immediate annuity purchased by a 65 year old female with lifetime payments beginning 30 days from purchase. Payments are listed by insurance company sorted highest to lowest by monthly payment amount.

Immediate annuity rates monthly payout chart for 65 year old female per $100K
Immediate Annuity Payout for 65 year old female

Have a Specific Question?

Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. The information presented here is not intended to be a recommendation to purchase a fixed annuity (MYGA), fixed index annuity(FIA), variable annuity (VA), registered index linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). 

The contract features described may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts which are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns. 

The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and it does not provide tax or legal advice. You should always consult your own financial planning, tax, and legal advisors to determine if a fixed annuity, fixed index annuity, annuity with long term care rider, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract are suitable in your financial situation.