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.
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- |
3-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| Pinnacle Plus MYGA | 4.70% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Oak ADVantage | 4.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Apex MYGA | 4.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Asset Guard | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureFore 3 | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with MVA | 4.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® | 4.45% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® MVA | 4.45% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| FG Guarantee-Platinum | 4.45% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Stable Voyage | 4.45% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.40% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.40% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Freedom Elevate 3 | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| LiveWell Guarantee Max | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 4.35% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.35% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.35% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.35% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| GuaranteeShield | 4.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Eagle Guarantee Focus Series | 4.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MNL Guarantee Pro 3 | 4.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Freedom Aspire 3 | 4.25% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.25% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 4.25% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.25% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.20% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with ROP | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.15% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartSelect | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.10% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® Non-MVA | 4.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA II | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA III | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Max | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice III | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity V | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 3.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 3.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 3.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.80% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 3.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 3 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.70% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® ROP | 3.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 3 | 3.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity IV – FP Series | 3.55% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 3.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 3 | 3.35% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 3.20% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 3.20% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 3 | 3.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.15% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 3.10% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 2.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 2.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 2.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 3 | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 3 | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 3 | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 3.80% | A |
4-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| Milestone MYGA | 4.85% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Asset Guard | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.55% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.45% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Stable Voyage | 4.40% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.40% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 4 | 4.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 4 | 4.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartSelect | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA II | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity V | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 4 Annuity | 3.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.80% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 4 Annuity | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 3.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.70% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity IV – FP Series | 3.55% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.40% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.25% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.15% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Smart Saver NY | 3.05% | A+ |
5-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| MaxRate 5 | 5.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 5 | 5.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 5.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Max | 5.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Apex MYGA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® MVA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| FG Guarantee-Platinum | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Pinnacle Plus MYGA | 4.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 4.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with MVA | 4.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Asset Guard | 4.85% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureFore 5 | 4.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Flex Guard Preferred 5 Annuity | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Oak ADVantage | 4.80% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Eleos MVA | 4.75% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Reliance Guarantee | 4.75% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 5 | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Flex Guard Preferred 5 Annuity | 4.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Advantage 5 Advisory | 4.65% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| GuaranteeShield | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Eagle Guarantee Focus Series | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® Non-MVA | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Eleos SP | 4.60% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 4.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureSaver | 4.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with ROP | 4.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| LiveWell Guarantee Max | 4.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MNL Guarantee Pro 5 | 4.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Flex Guard Preferred 5 Annuity | 4.40% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® ROP | 4.25% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.25% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Saver Pro | 4.25% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 4.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Stable Voyage | 4.20% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Freedom Classic 5 | 4.20% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Optimum 5 Selection | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Freedom Aspire 5 | 4.10% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Stars and Stripes 5 | 4.10% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 4.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA II | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA III | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice III | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity V | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 3.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartSelect | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 3.90% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Freedom Elevate 5 | 3.90% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 5 | 3.90% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Stars and Stripes 5 | 3.85% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 3.85% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 3.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Plus | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 3.80% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.80% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.75% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.75% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 3.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Optimum 5 Selection | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.70% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Freedom Elevate 5 | 3.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 5 | 3.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.60% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 5 | 3.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| First Choice 5 | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity IV – FP Series | 3.55% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 5 | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Smart Saver NY | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.50% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Lincoln Select | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MyGuarantee Plus | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Plus | 3.40% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 5 Annuity | 3.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 2.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 2.80% | A- |
6-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| Milestone MYGA | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartStep | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartStep | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA II | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity V | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 3.90% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.80% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 3 | 3.75% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.70% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartSelect | 3.65% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity IV – FP Series | 3.55% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Smart Saver NY | 3.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 3 | 3.50% | A+ |
7-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| MaxRate 7 | 5.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 7 | 5.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 5.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Apex MYGA | 5.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 5.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® MVA | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| FG Guarantee-Platinum | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 5.00% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Max | 5.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Pinnacle Plus MYGA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Oak ADVantage | 4.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Milestone MYGA | 4.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.90% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with MVA | 4.90% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureFore 7 | 4.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.85% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 1 – Base Benefits | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MaxRate 7 | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® Non-MVA | 4.75% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Reliance Guarantee | 4.75% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG NY | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 3 – Base Benefits Plus PFW | 4.70% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA No FPW | 4.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Athene MYG | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| LiveWell Guarantee Max | 4.65% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MNL Guarantee Pro 7 | 4.65% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA Int Credited | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW | 4.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureSaver | 4.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Brighthouse Fixed Rate Annuity with ROP | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| ForeCare Fixed Annuity (LTC) | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MCA 10% FPW & ROP | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Saver Pro | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.35% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| F&G Secure MYGA® ROP | 4.30% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Apollo MVA | 4.30% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 4.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.20% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.20% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Growth | 4.20% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Performance SPDA | 4.20% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Optimum 7 Selection | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Apollo SP | 4.15% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 4.15% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 4.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SPDA Series II | 4.10% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 4.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 4.10% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SPDA Series II | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Freedom Aspire 7 | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 1 – Base Benefits | 4.05% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 4.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 4.05% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Focus | 4.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Focus | 4.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Focus | 4.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA II | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term MVA III | 4.00% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 4.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 4.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 4.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SPDA Series II | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice III | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity V | 3.95% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 3 – Base Benefits Plus PFW | 3.95% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.95% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.95% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Jackson RateProtector | 3.90% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 3.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.90% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.90% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SPDA Series II | 3.85% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Pro | 3.85% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.85% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Plus | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 3.80% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.80% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.80% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Expedition II | 3.80% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 3.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiRate | 3.80% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Optimum 7 Selection | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Stars and Stripes 7 | 3.75% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Focus | 3.75% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 3.75% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Stars and Stripes 7 | 3.70% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Choice II | 3.70% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.70% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 3.70% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 2 – Base Benefits Plus ROP | 3.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Freedom Elevate 7 | 3.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Smart Saver NY | 3.60% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select 7 | 3.60% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| New Momentum | 3.55% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Secure Term Fixed Annuity IV – FP Series | 3.55% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice Plus 4 – Base Benefits Plus ROP and PFW | 3.55% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.55% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| New Momentum | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Lincoln Select | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MyGuarantee Plus | 3.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SmartSelect | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.45% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| New Momentum | 3.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Mariner | 3.45% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Plus | 3.40% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| New Momentum | 3.40% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.40% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 7 | 3.30% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.25% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Freedom Elevate 7 | 3.15% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Custom 7 | 3.10% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.05% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Fixed 7 Annuity | 3.00% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureGain 7 | 3.00% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 2 – Base Benefits Plus ROP | 2.90% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Select Choice 4 – Base Benefits Plus ROP and PFW | 2.80% | A- |
8-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| Flex Guard Preferred 8 Annuity | 4.80% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Flex Guard Preferred 8 Annuity | 4.65% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Flex Guard Preferred 8 Annuity | 4.40% | A- | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 4.00% | A+ |
9-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| ForeCare Fixed Annuity (LTC) | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.35% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| SecureOption Choice | 4.25% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 4.05% | A+ |
10-Year Annuity Rates
| Product Name | Rate | AM Best Rating | Apply |
|---|---|---|---|
| Focused Growth Annuity | 4.65% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Focused Growth Annuity | 4.50% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Reliance Guarantee | 4.45% | A++ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Vision MYG | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 4.30% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Vision MYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Vision MYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Vision MYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| SolutionsMYG | 4.20% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| Platinum Edge | 4.10% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| American Pathway Vision MYG | 3.95% | A | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.50% | A+ | |
| Product Name | Rate | AM Best Rating | Apply |
| MultiVantage | 3.35% | A+ |
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.
- 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.
These buckets correlate to:
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.
“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.
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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.
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.”
Fixed Annuities vs CDs
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.
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
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.
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.
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.
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.
