Elaine Silvestrini, Annuity.org Writer
  • Written By
    Elaine Silvestrini

    Elaine Silvestrini

    Financial Writer

    Elaine Silvestrini is an advocate for financial literacy who worked for more than 25 years in journalism before joining Annuity.org as a financial writer.

    Read More
  • Edited By
    Emily Miller
    Emily Miller, Managing Editor for Annuity.org

    Emily Miller

    Managing Editor

    Managing editor Emily Miller is an award-winning journalist with more than 10 years of experience as a researcher, writer and editor. Throughout her professional career, Emily has covered education, government, health care, crime and breaking news for media organizations in Florida, Washington, D.C. and Texas. She joined the Annuity.org team in 2016.

    Read More
  • Financially Reviewed By
    Thomas J. Brock, CFA®, CPA
    headshot of Thomas J. Brock, CFA, CPA

    Thomas J. Brock, CFA®, CPA

    Expert Contributor

    Thomas Brock, CFA®, CPA, is a financial professional with over 20 years of experience in investments, corporate finance and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier.

    Read More
  • Updated: June 5, 2023
  • 10 min read time
  • This page features 6 Cited Research Articles
Fact Checked
Fact Checked

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These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times.

Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism.

Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments.

Cite Us
How to Cite Annuity.org's Article

APA Silvestrini, E. (2023, June 5). Annuity Rates. Annuity.org. Retrieved June 6, 2023, from https://www.annuity.org/annuities/rates/

MLA Silvestrini, Elaine. "Annuity Rates." Annuity.org, 5 Jun 2023, https://www.annuity.org/annuities/rates/.

Chicago Silvestrini, Elaine. "Annuity Rates." Annuity.org. Last modified June 5, 2023. https://www.annuity.org/annuities/rates/.

Why Trust Annuity.org
Why You Can Trust Annuity.org
Annuity.org has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make Annuity.org an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on Annuity.org.

Annuity.org carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Annuity.org. Additionally, Annuity.org operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

Key Takeaways

  • Insurance companies set annuity rates and determine a guaranteed minimum rate for a set period of time.
  • Annuity rates continue to significantly outpace the interest rates provided by banks for savings accounts and certificates of deposit.
  • Annuities are lower-risk insurance contracts with tax benefits, not investment products. As such, your return on investment is subjective to how you’d like to receive your income streams.

The guaranteed interest rates for traditional deferred fixed annuities and MYGAs make these two types of annuities easy to understand when it comes to interest rates and the return these products can provide over the course of the contract term.

Variable, income, and fixed index annuities are more complicated. Because their returns are not calculated according to a guaranteed stated interest rate for a set period, consumers will not find rates for these products when searching for the best annuity rates.

Additionally, it’s important to note that fixed annuity and MYGA rates change daily. To keep you informed on the current fixed annuity rates, Annuity.org and its partner Senior Market Sales update the following tables every week.

Wendy Swanson, Retirement Income Certified Professional™, explains what annuity rates are and how they're set.

Today’s Best Annuity Rates

  • 2-Year: 4.40%
  • 3-Year: 4.70%
  • 4-Year: 4.85%
  • 5-Year: 5.20%
  • 6-Year: 5.00%
  • 7-Year: 5.25%
  • 8-Year: 4.80%
  • 9-Year: 4.50%
  • 10-Year: 4.65%

Best Fixed Annuity Rates for June 2023

Multi-year guaranteed annuities, or MYGAs, are a type of fixed annuity that guarantees a fixed interest rate for a specified time period — usually three to 10 years. Like traditional fixed annuities, MYGAs are subject to fees called surrender charges, which an annuity holder must pay if he or she withdraws money from an annuity before the specified time period is over.

Because MYGA rates change daily, Annuity.org and its partner Senior Market Sales update the following tables frequently. Therefore, it’s important to check back for the most recent information.

2-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Asset Guard 4.40% A-

Details

3-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Pinnacle Plus MYGA 4.70% A-

Details

Product Name Rate AM Best Rating Apply
Oak ADVantage 4.70% A+

Details

Product Name Rate AM Best Rating Apply
Apex MYGA 4.65% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 4.65% A-

Details

Product Name Rate AM Best Rating Apply
Asset Guard 4.60% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 4.60% A-

Details

Product Name Rate AM Best Rating Apply
SecureFore 3 4.50% A

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with MVA 4.45% A

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 4.45% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 4.45% A-

Details

Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 4.45% A-

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.45% A++

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.40% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.40% A

Details

Product Name Rate AM Best Rating Apply
Freedom Elevate 3 4.35% A+

Details

Product Name Rate AM Best Rating Apply
LiveWell Guarantee Max 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 4.35% A-

Details

Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.35% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.35% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.35% A

Details

Product Name Rate AM Best Rating Apply
GuaranteeShield 4.30% A-

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity 4.30% A

Details

Product Name Rate AM Best Rating Apply
Eagle Guarantee Focus Series 4.30% A-

Details

Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 3 4.30% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.30% A-

Details

Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.30% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.30% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.30% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.30% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.30% A

Details

Product Name Rate AM Best Rating Apply
American Freedom Aspire 3 4.25% A+

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.25% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 4.25% A-

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.25% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.25% A

Details

Product Name Rate AM Best Rating Apply
Performance SPDA 4.25% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.20% A-

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.20% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.20% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.20% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.20% A

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with ROP 4.15% A

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.15% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.15% A-

Details

Product Name Rate AM Best Rating Apply
SmartSelect 4.15% A+

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.10% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.10% A

Details

Product Name Rate AM Best Rating Apply
Performance SPDA 4.10% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® Non-MVA 4.05% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.05% A-

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.00% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA III 4.00% A++

Details

Product Name Rate AM Best Rating Apply
Select Max 4.00% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice III 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 3.90% A-

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 3.85% A

Details

Product Name Rate AM Best Rating Apply
Select Pro 3.85% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.80% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 3.80% A-

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 3.75% A

Details

Product Name Rate AM Best Rating Apply
Select 3 3.75% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.70% A++

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 3.65% A-

Details

Product Name Rate AM Best Rating Apply
Select 3 3.60% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV – FP Series 3.55% A++

Details

Product Name Rate AM Best Rating Apply
Expedition II 3.45% A+

Details

Product Name Rate AM Best Rating Apply
Expedition II 3.45% A+

Details

Product Name Rate AM Best Rating Apply
Select Pro 3.45% A

Details

Product Name Rate AM Best Rating Apply
Select 3 3.35% A

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 3.20% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 2 – Base Benefits Plus ROP 3.20% A-

Details

Product Name Rate AM Best Rating Apply
Select 3 3.20% A

Details

Product Name Rate AM Best Rating Apply
Mariner 3.15% A+

Details

Product Name Rate AM Best Rating Apply
Mariner 3.15% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.15% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice 4 – Base Benefits Plus ROP and PFW 3.10% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.05% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.00% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 2.90% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice 2 – Base Benefits Plus ROP 2.75% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice 4 – Base Benefits Plus ROP and PFW 2.65% A-

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 4.75% A

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 4.75% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.70% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.45% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.20% A

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 4.10% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG NY 4.00% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG NY 3.80% A

Details

View all 91

4-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Milestone MYGA 4.85% A-

Details

Product Name Rate AM Best Rating Apply
Asset Guard 4.80% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 4.80% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.55% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.45% A-

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.40% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.40% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.30% A-

Details

Product Name Rate AM Best Rating Apply
First Choice 4 4.05% A

Details

Product Name Rate AM Best Rating Apply
First Choice 4 4.05% A

Details

Product Name Rate AM Best Rating Apply
SmartSelect 4.05% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.00% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 3.95% A++

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 3.85% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.80% A++

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 3.70% A

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 3.70% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.70% A++

Details

Product Name Rate AM Best Rating Apply
MultiVantage 3.55% A+

Details

Product Name Rate AM Best Rating Apply
MultiVantage 3.55% A+

Details

Product Name Rate AM Best Rating Apply
MultiVantage 3.55% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV – FP Series 3.55% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.40% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.30% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.25% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.15% A-

Details

Product Name Rate AM Best Rating Apply
Smart Saver NY 3.05% A+

Details

View all 28

5-Year Annuity Rates

Product Name Rate AM Best Rating Apply
MaxRate 5 5.20% A

Details

Product Name Rate AM Best Rating Apply
MaxRate 5 5.15% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 5.05% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 5.00% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 5.00% A-

Details

Product Name Rate AM Best Rating Apply
Select Max 5.00% A

Details

Product Name Rate AM Best Rating Apply
Apex MYGA 4.95% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 4.95% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 4.95% A-

Details

Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 4.95% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 4.95% A-

Details

Product Name Rate AM Best Rating Apply
Pinnacle Plus MYGA 4.90% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 4.90% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.90% A-

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with MVA 4.85% A

Details

Product Name Rate AM Best Rating Apply
Asset Guard 4.85% A-

Details

Product Name Rate AM Best Rating Apply
SecureFore 5 4.85% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.85% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.85% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.80% A

Details

Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 4.80% A-

Details

Product Name Rate AM Best Rating Apply
Oak ADVantage 4.80% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.80% A-

Details

Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.80% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.80% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.80% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.80% A

Details

Product Name Rate AM Best Rating Apply
MCA No FPW 4.80% A

Details

Product Name Rate AM Best Rating Apply
Eleos MVA 4.75% A++

Details

Product Name Rate AM Best Rating Apply
Reliance Guarantee 4.75% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 4.75% A-

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.75% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.75% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.75% A

Details

Product Name Rate AM Best Rating Apply
MCA Int Credited 4.75% A

Details

Product Name Rate AM Best Rating Apply
Performance SPDA 4.75% A-

Details

Product Name Rate AM Best Rating Apply
MaxRate 5 4.70% A

Details

Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.70% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.70% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.70% A

Details

Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 4.65% A-

Details

Product Name Rate AM Best Rating Apply
Advantage 5 Advisory 4.65% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.65% A-

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.65% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.65% A

Details

Product Name Rate AM Best Rating Apply
GuaranteeShield 4.60% A-

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.60% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG NY 4.60% A

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity 4.60% A

Details

Product Name Rate AM Best Rating Apply
Eagle Guarantee Focus Series 4.60% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® Non-MVA 4.60% A-

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.60% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.60% A+

Details

Product Name Rate AM Best Rating Apply
Eleos SP 4.60% A++

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.60% A

Details

Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.60% A

Details

Product Name Rate AM Best Rating Apply
Performance SPDA 4.60% A-

Details

Product Name Rate AM Best Rating Apply
Athene MYG NY 4.55% A

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.55% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.55% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.55% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.50% A+

Details

Product Name Rate AM Best Rating Apply
SecureSaver 4.50% A+

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with ROP 4.45% A

Details

Product Name Rate AM Best Rating Apply
LiveWell Guarantee Max 4.45% A+

Details

Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 5 4.45% A+

Details

Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 4.40% A-

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.30% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.30% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.30% A+

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 4.25% A-

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.25% A+

Details

Product Name Rate AM Best Rating Apply
Secure Saver Pro 4.25% A+

Details

Product Name Rate AM Best Rating Apply
Select Pro 4.25% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 4.20% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.20% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.20% A

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.20% A++

Details

Product Name Rate AM Best Rating Apply
American Freedom Classic 5 4.20% A+

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.15% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.15% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.15% A+

Details

Product Name Rate AM Best Rating Apply
Custom 5 4.15% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.15% A

Details

Product Name Rate AM Best Rating Apply
Optimum 5 Selection 4.10% A

Details

Product Name Rate AM Best Rating Apply
American Freedom Aspire 5 4.10% A+

Details

Product Name Rate AM Best Rating Apply
Stars and Stripes 5 4.10% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 4.05% A-

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 4.00% A

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.00% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA III 4.00% A++

Details

Product Name Rate AM Best Rating Apply
Custom 5 4.00% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.00% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.00% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice III 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 3.95% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 3.95% A-

Details

Product Name Rate AM Best Rating Apply
SmartSelect 3.95% A+

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 3.90% A

Details

Product Name Rate AM Best Rating Apply
Freedom Elevate 5 3.90% A+

Details

Product Name Rate AM Best Rating Apply
SecureGain 5 3.90% A+

Details

Product Name Rate AM Best Rating Apply
Stars and Stripes 5 3.85% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 2 – Base Benefits Plus ROP 3.85% A-

Details

Product Name Rate AM Best Rating Apply
Select Pro 3.85% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 3.80% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Plus 3.80% A

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 3.80% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.80% A++

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.80% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.75% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.75% A

Details

Product Name Rate AM Best Rating Apply
Expedition II 3.75% A+

Details

Product Name Rate AM Best Rating Apply
Expedition II 3.75% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice 4 – Base Benefits Plus ROP and PFW 3.75% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.75% A-

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.75% A

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.75% A

Details

Product Name Rate AM Best Rating Apply
Select 5 3.75% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 3.70% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.70% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.70% A

Details

Product Name Rate AM Best Rating Apply
Optimum 5 Selection 3.70% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 3.70% A++

Details

Product Name Rate AM Best Rating Apply
Select 5 3.70% A

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.65% A-

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.65% A

Details

Product Name Rate AM Best Rating Apply
Freedom Elevate 5 3.60% A+

Details

Product Name Rate AM Best Rating Apply
SecureGain 5 3.60% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 3.60% A-

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.60% A

Details

Product Name Rate AM Best Rating Apply
Select 5 3.60% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 3.55% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 3.55% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.55% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 3.55% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV – FP Series 3.55% A++

Details

Product Name Rate AM Best Rating Apply
Custom 5 3.55% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 3.50% A

Details

Product Name Rate AM Best Rating Apply
MultiVantage 3.50% A+

Details

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MultiVantage 3.50% A+

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How Do You Compare Rates for Different Types of Annuities?

Annuity rates are tricky to compare because traditional fixed annuities guarantee an interest rate for a one-year term, whereas other fixed annuities guarantee rates for anywhere from three to 10 years. These multi-year term contracts are called multi-year guaranteed annuities (MYGAs).

Conversely, variable annuities don’t guarantee interest rates because their earnings depend upon the performance of an underlying stock portfolio.

And yet another type of annuity, the fixed index annuity, employs unique crediting methods based on the performance of a stock market index.

This can be perplexing to the average consumer. It helps to understand that annuities fall into specific buckets.

These buckets correlate to:

The way the annuity earns interest
Fixed annuities, including multi-year guaranteed annuities, earn interest at a set rate for a guaranteed period. These are the most straightforward annuity types in terms of interest rates. The rates presented on this page are fixed annuity rates for the specified terms — for example, 5-year fixed annuity rates.
The point at which the premium is annuitized, meaning when the lump sum is converted to a payment stream
Immediate annuities, also known as income annuities or single premium immediate annuities, convert premiums to a stream of income instantly. This doesn’t mean that the annuitant must begin receiving income payments immediately. In fact, deferred income annuities (DIAs) are annuitized immediately, but payments begin at a specified future date.
The length of the accumulation period, meaning the number of years between the date of purchase and the date that income payments will begin
Not to be confused with the time frame for annuitization, the accumulation period is the third bucket annuity carriers use to classify these products. Immediate annuities have no accumulation period. The sole purpose of an immediate annuity is to generate a guaranteed income stream. Deferred annuities, on the other hand, have an accumulation period during which interest is credited according to the contract.

In addition, many annuities have pricing levers — interest rate floors, caps and participation rates — that affect their growth potential.

The interest rates for indexed and variable annuities fluctuate with the stock market. Therefore, people who purchase one of these annuity types must review either the variable annuity prospectus or the strategy options and rate sheet for the specific indexed product they are buying.

Income annuities (FIAs and DIAs) are typically quoted using either the monthly income payment amount or an annual payout rate that represents the percentage of the premium amount that the annuitant has received in income payments.

This leaves deferred fixed annuities and MYGAs, which — as we’ve established — are the least complex products. Their guaranteed interest rates make them easy to understand when it comes to interest rates and the return they can provide over the course of the contract term.

Understanding Annuity Rates

Fixed annuity rate quotes are useful when choosing among annuities offered by different carriers.


Rubina Hossain, CFP, expert contributor to Annuity.org

“Consumers should determine how much they would like to invest in an annuity, then shop around to various highly rated insurance companies (look for at least an A- rating) to see what their rates are, and do comparison shopping, like you would when you buy a car. “

— Rubina Hossain, Certified Financial Planner™


Fixed annuity rates are set by the providers — typically insurance companies — that issue the contracts. AM Best, a nationally recognized statistical rating organization (NRSRO), rates insurance companies based on their ability to pay their financial obligations. The AM Best rating is not a recommendation of a particular annuity product but an assessment of the insurance company’s financial strength.

“Consumers should determine how much they would like to invest in an annuity, then shop around to various highly rated insurance companies (look for at least an A- rating) to see what their rates are, and do comparison shopping, like you would when you buy a car,” Certified Financial Planner™ professional Rubina Hossain told Annuity.org.

Many carriers offer penalty-free withdrawal provisions that allow the annuity holder to make partial withdrawals before the surrender period ends without incurring fees. For example, some contracts allow annuity holders to withdraw up to 10%, starting in the first year.

Contracts with less generous withdrawal provisions may have higher rates. If you want the possibility of higher rates than fixed annuities offer and are willing to take on more risk, you could explore fixed indexed or variable annuities.

fixed interest annuity rates over the past 8 years
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How Are Annuity Rates Set?

Insurance companies that sell annuities determine how they set growth rates for fixed annuities. The details are spelled out in annuity contracts.

The company will usually provide a guaranteed minimum rate for a set time period, usually three to 10 years, depending on the contract.

Jon Summers headshot
Jon Summers,
senior marketing consultant with Senior Market Sales

Rate setting can vary slightly from carrier to carrier, according to Jon Summers, senior marketing consultant with Senior Market Sales. Summers told Annuity.org that, generally speaking, the carrier takes a consumer’s premium and lumps it in with all of the premiums received.

“They then turn around and buy a basket of bonds and use that guaranteed return to either offer a rate to the consumer or buy options to provide upside potential on an index like an FIA (fixed index annuity),” Summers said. “That is why you see some modifiers like caps, spreads, participation rates, etc. This comes from the pricing options the carrier is able to offer their policy holders.”

Comparing Annuities to Other Financial Options

Annuities are not investment products. They are insurance contracts with tax benefits.

While they require you to lock up your money in exchange for a fixed income throughout life, they are a relatively safe financial product with low risk.

For example, fixed annuities aren’t vulnerable to stock-market risks, so consumers who purchase fixed annuities don’t have to worry about market volatility.

Plus, the rates for annuities continue to significantly outpace the interest rates provided by banks for other accounts, including saving accounts and certificates of deposit, or CDs.

Consumers who want their money in a safe place, she added, “can see that the potential for gains with indexed annuities is uber-competitive with other fixed money instruments today. Heck — even fixed annuities are considerably more competitive than other ‘safe money’ alternatives.”

Moore’s advice to financial service providers regarding annuities: “We all should probably keep that arrow in our quivers.”

Estimate Your Monthly Lifetime Income From an Immediate Annuity:

*The dollar amount from this calculator is an estimate based on user-entered data. This estimate does not constitute a binding agreement between you and Annuity.org or its partners. We strongly urge you to consult with a financial advisor before purchasing an annuity.

Fixed Annuities vs CDs

Wade Pfau headshot
Wade Pfau, professor of
retirement income at The American College of
Financial Services

Professor of retirement income Wade Pfau told Annuity.org that MYGAs are “the annuity equivalent of CDs but provide tax deferral.” Unlike certificates of deposit, annuities grow tax deferred, meaning you don’t pay taxes until the money is withdrawn.

The other main difference between fixed annuities and CDs is that traditional fixed annuities and MYGAs are not insured by the Federal Deposit Insurance Corporation (FDIC). Instead, they’re backed by the life insurance companies that issue them and by state guaranty associations.

What Is an Annual Payout Rate?

An annual payout rate is the percentage of the premium an annuity holder will receive each year as income.

The insurance company can quote you a price in terms of a payout rate or a monthly income dollar amount, but they are ultimately the same thing.

For example, if an insurer offers you a 5% payout rate for a $100,000 annuity, you will receive $5,000 a year or $416 a month.

Annuity Rates

Note that neither of these is the same as the return on the annuity, which insurance companies rarely reference when quoting annuity prices because the return often depends on how long the annuitant lives — an unknown variable in all cases.

What you need to understand about the return on an annuity is simply this: The longer you live, the greater the return on your annuity because with every payment, the difference between what you have received in income and what you paid in principal decreases, which means the return — expressed as a
percentage — increases.

Using our example above, the return on a $100,000 annuity with a 5% payout rate will be approximately 2% after 25 years’ worth of payments. After 30 years, the return will be approximately 3%, and this will increase with every payment.

Frequently Asked Questions About Annuity Rates

What is the average interest rate on an annuity?

Interest rates depend on the type of annuity you buy. Fixed annuities offer guaranteed returns, while the interest rates of variable annuities depend on the performance of a connected investment portfolio. Annuities with higher interest rates also carry a greater risk of losing money.

What is the rate of return on an annuity?

The rate varies. Annuities are structured for providers to pay income for the remainder of the annuitant’s life. The rate of the return depends on how much money was spent on the annuity and the annuitant’s lifespan after making the purchase.

Who has the best immediate annuity rates?

Immediate annuity payout rates vary based on your upfront payment amount to the insurance company. Specific contract terms, your sex, age and other factors can also impact this rate. You can use an annuity calculator to estimate monthly payments or speak to a qualified financial professional to help you compare quotes.

What are annuity rates based on?

Fixed annuities have guaranteed interest rates for a predictable income stream. These rates are set by the annuity company and detailed in your contract when you purchase. Variable annuities have interest rates based on the performance of an investment portfolio.

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Last Modified: June 5, 2023

6 Cited Research Articles

Annuity.org writers adhere to strict sourcing guidelines and use only credible sources of information, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts. You can read more about our commitment to accuracy, fairness and transparency in our editorial guidelines.

  1. Huffman, L. (2022, October 17). Average Rate of Return for an Annuity. Retrieved from https://www.yahoo.com/video/whats-average-rate-return-annuity-185005277.html
  2. Iacurci, G. (2022, May 19). Climbing Interest Rates Mean Good News for Annuity Buyers. Retrieved from https://www.cnbc.com/2022/05/19/climbing-interest-rates-means-good-news-for-annuity-buyers.html
  3. Nuss, K. (2022, February 20). Laddering Fixed-Rate Annuities Offers Rates That Beat Bank CDs, Plus Flexibility. Retrieved from https://www.kiplinger.com/retirement/annuities/604235/laddering-fixed-rate-annuities-offers-rates-that-beat-bank-cds-plus
  4. Nuss, K. (2022, January 21). Why Fixed-Rate Annuities Pay More Than Bank CDs. Retrieved from https://www.kiplinger.com/retirement/annuities/604072/why-fixed-rate-annuities-pay-more-than-bank-cds
  5. Barney, L. (2018, August 31). Refresher on Annuity Pricing Mechanics. Retrieved from https://www.planadviser.com/exclusives/refresher-annuity-pricing-mechanics/
  6. Tomlinson, J. (2017, July 21). What Advisors Need to Know About Annuity Mortality Credits. Retrieved from https://www.advisorperspectives.com/articles/2017/07/31/what-advisors-need-to-know-about-annuity-mortality-credits