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Annuities — Simple, Transparent, and Built Around Your Goals

Compare MYGA and FIA options, check insurer ratings, and run calculators—all in one place.

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Educational use only. Availability & features vary by state and insurer. Guarantees are backed by the claims‑paying ability of the issuing insurance company.

What is an Annuity?

Simple Definition

An annuity is a contract with an insurance company that allows you to grow money tax-deferred and convert it into a guaranteed income later.

How Annuities Work

  • Accumulation phase vs. income phase
  • Premiums (single vs. flexible)
  • Interest crediting and guarantees

 

Who Annuities Are For

  • Pre-retirees seeking principal protection and a steady income
  • Retirees looking to cover essential expenses for life
  • Savers who value tax deferral and downside protection

 

Key Pros and Cons

  • Pros: principal protection options, lifetime income, tax deferral, probate avoidance
  • Cons: surrender periods, caps/spreads on growth, insurer credit risk, complexity
My Annuity Store

Compare fixed annuity (MYGA) rates, explore fixed index annuity options, run calculators, and check insurer financial strength—all in one place.

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Today’s Best Annuity Rates

We update rates regularly. Availability and rates vary by state and product. Get a personalized quote for your state.

Annuity Types, Plain and Simple

Fixed Annuities (MYGAs)

MYGAs offer a guaranteed interest rate for a set term—like a CD from an insurance company, with potential tax deferral and flexible income options later.

  • Terms typically 3–10 years
  • Rate is guaranteed for the full term
  • 10% free withdrawal most years (varies by contract)
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Best For

  • Parking cash safely for a known time horizon
  • Higher yields than many CDs and savings accounts
  • Simplicity and predictable growth

Fixed Index Annuities (FIAs)

FIAs credit interest based on index performance, with caps or participation rates, while protecting principal from market losses.

  • Growth linked to an index with downside protection
  • Optional income riders for lifetime income
  • Flexible crediting methods and time horizons
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Best For

  • Protected growth with some market-linked upside
  • Bridging the gap to retirement income
  • Those who value principal protection

Immediate Income Annuities

Convert a lump sum into a guaranteed income stream that starts right away (or within 12 months), for life or a set period.

  • Predictable paycheck you can’t outlive (life option)
  • Customizable with cash refund or period certain
  • Rates depend on age, gender, and state
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Best For

  • Turning savings into a steady retirement paycheck
  • Longevity protection
  • Simplicity vs managing market volatility

Run Your Numbers

Fixed Annuity Calculator

Project future value and compare terms side-by-side.

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Immediate Annuity Calculator

Estimate monthly income based on your age, state, and premium.

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Income Rider Calculator

Explore how rider fees and roll-up rates affect income later.

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Insurer Financial Strength

We prioritize highly rated carriers. Review AM Best, S&P, Moody’s, and Fitch ratings before you decide.

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Fixed annuities are backed by the insurer’s financial strength. State guaranty rules may apply; limits vary by state.

FAQs

How often do annuity rates change?

Carriers can update rates weekly or monthly, and sometimes more frequently when interest markets move. Always check the “Updated” date and get a personalized quote for your state and premium amount.

Are MYGA rates guaranteed for the entire term?

Yes. With multi‑year guaranteed annuities, your rate is fixed for the full term you select.

What if I need access to my money?

Most MYGAs include a 10% free withdrawal after the first year. Withdrawals above that may be subject to surrender charges during the term.

Are FIAs safe if the market drops?

Yes, fixed index annuities protect principal from market losses. Interest credits depend on index performance and the contract’s cap or participation rate.

Ready for Personalized Options?

We’ll match you with top carriers based on your state, goals, and timeframe—no pushy sales, just clear choices.

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