How Annuity Rates Work
Annuities are insurance products that exchange an upfront premium for a stream of income payments beginning at a later date. The percentage by which the annuity grows over time is called the annuity’s rate.
It’s also important to remember that the rate of a product is not the only variable worth considering when deciding between annuities. The standing of the company and the overall product itself should also play a role.
The rates of annuities are influenced primarily by interest rates in other parts of the financial system. When interest rates are high, fixed annuities are likely to have higher rates, so it’s a good time to lock in that rate by purchasing an annuity.
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