Jennifer Schell headshot
  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

    Read More
  • Edited By
    Savannah Pittle
    Savannah Pittle, senior financial editor for Annuity.org

    Savannah Pittle

    Senior Financial Editor

    Savannah Pittle is an accomplished writer, editor and content marketer. She joined Annuity.org as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

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

    Thomas J. Brock, CFA®, CPA

    Investment, Corporate Finance and Accounting Expert

    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: August 22, 2023
  • 7 min read time
  • This page features 7 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 Schell, J. (2023, August 22). Annuity Rates. Annuity.org. Retrieved May 28, 2024, from https://dev.annuity.org/annuities/rates/

MLA Schell, Jennifer. "Annuity Rates." Annuity.org, 22 Aug 2023, https://dev.annuity.org/annuities/rates/.

Chicago Schell, Jennifer. "Annuity Rates." Annuity.org. Last modified August 22, 2023. https://dev.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 may determine a guaranteed rate for a set period.
  • Fixed annuities earn interest at a predictable rate, while the rates of indexed annuities and variable annuities fluctuate based on market conditions.
  • Interest rate environments, stock market investments and index performance influence annuity rates.

Annuities are insurance products that exchange an upfront premium for a stream of income payments beginning at a later date. Deferred annuities undergo an accumulation phase during which the contract’s value may increase before being converted to income payments.

The percentage by which the annuity grows over time is called the annuity’s rate. As Jason Ball, a Certified Financial PlannerTM professional, told Annuity.org, “This rate determines the size of the regular payments that the annuity holder will receive once the annuity starts paying out.” 

“Annuity rates can either be fixed, meaning the rate stays the same over the life of the annuity, or variable, which means they can fluctuate based on the performance of underlying investments,” said Ball.

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 partners update the following tables every week.

Fixed annuities are among the safest investment instrument retirees can invest, assuming the financial wherewithal of the issuing insurance company is superb. In the right circumstances, these instruments are just as safe as Treasury securities and certificates of deposit.

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

Today’s Best Annuity Rates

  • 2-Year: 5.00%
  • 3-Year: 5.10%
  • 4-Year: 5.00%
  • 5-Year: 5.30%
  • 6-Year: 5.00%
  • 7-Year: 5.30%
  • 8-Year: 4.20%
  • 9-Year: 4.50%
  • 10-Year: 5.05%

Best Fixed Annuity Rates for August 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 partners 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 5.00% A-

Details

3-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Freedom Elevate 3 5.10% A+

Details

Product Name Rate AM Best Rating Apply
Oak ADVantage 5.05% A+

Details

Product Name Rate AM Best Rating Apply
Athene MYG 5.00% A

Details

Product Name Rate AM Best Rating Apply
Asset Guard 5.00% A-

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 4.95% A

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 4.95% A

Details

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

Details

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

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 4.95% A-

Details

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

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.90% A++

Details

Product Name Rate AM Best Rating Apply
American Freedom Aspire 3 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
Milestone MYGA 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
SecureFore 3 4.85% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 4.85% 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
Athene MYG 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
Brighthouse Fixed Rate Annuity 4.70% A

Details

Product Name Rate AM Best Rating Apply
LiveWell Guarantee Max 4.70% A+

Details

Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 4.65% A-

Details

Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 3 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
Brighthouse Fixed Rate Annuity with ROP 4.55% A

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 4.55% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 4.55% A-

Details

Product Name Rate AM Best Rating Apply
SmartSelect 4.55% A+

Details

Product Name Rate AM Best Rating Apply
GuaranteeShield 4.50% A-

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.50% A

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.50% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.50% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA III 4.50% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice III 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.45% A++

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.40% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV – FP Series 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
MCA No FPW 4.40% A

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 4.35% A

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 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
Athene MYG NY 4.30% A

Details

Product Name Rate AM Best Rating Apply
MaxRate 3 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
Secure Term Choice II 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
Select Max 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
Secure Term Choice II 4.20% A++

Details

Product Name Rate AM Best Rating Apply
Expedition II 4.20% A+

Details

Product Name Rate AM Best Rating Apply
Expedition II 4.20% A+

Details

Product Name Rate AM Best Rating Apply
Mariner 4.20% A+

Details

Product Name Rate AM Best Rating Apply
Mariner 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
F&G Secure MYGA® Non-MVA 4.15% A-

Details

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

Details

Product Name Rate AM Best Rating Apply
Athene MYG NY 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
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
Select 3 4.05% 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
Select 3 3.90% A

Details

Product Name Rate AM Best Rating Apply
Select Pro 3.90% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 2 – Base Benefits Plus ROP 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
Select 3 3.80% A

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 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
Select Choice 4 – Base Benefits Plus ROP and PFW 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
Select 3 3.65% 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
Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.50% A-

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 3.40% 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

View all 91

4-Year Annuity Rates

Product Name Rate AM Best Rating Apply
First Choice 4 5.00% A

Details

Product Name Rate AM Best Rating Apply
Asset Guard 5.00% A-

Details

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

Details

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

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.85% A++

Details

Product Name Rate AM Best Rating Apply
First Choice 4 4.70% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 4.65% A

Details

Product Name Rate AM Best Rating Apply
SmartSelect 4.60% 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
Secure Term MVA II 4.50% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.45% 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
Secure Term Fixed Annuity IV – FP Series 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
Secure Term Choice II 4.30% 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
Secure Term Choice II 4.20% A++

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 4.10% A

Details

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

Details

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

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 3.90% A+

Details

Product Name Rate AM Best Rating Apply
Access SPDA 3.85% A-

Details

Product Name Rate AM Best Rating Apply
MultiVantage 3.75% 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 29

5-Year Annuity Rates

Product Name Rate AM Best Rating Apply
MaxRate 5 5.30% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 5.30% A-

Details

Product Name Rate AM Best Rating Apply
MaxRate 5 5.25% A

Details

Product Name Rate AM Best Rating Apply
Athene MYG 5.20% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 5.20% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 5.20% A-

Details

Product Name Rate AM Best Rating Apply
First Choice 5 5.15% A

Details

Product Name Rate AM Best Rating Apply
Apex MYGA 5.15% A-

Details

Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 5.15% A-

Details

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

Details

Product Name Rate AM Best Rating Apply
Select Max 5.15% A

Details

Product Name Rate AM Best Rating Apply
Pinnacle Plus MYGA 5.10% A-

Details

Product Name Rate AM Best Rating Apply
Oak ADVantage 5.10% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 5.10% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 5.05% A-

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 5.05% A-

Details

Product Name Rate AM Best Rating Apply
American Freedom Classic 5 5.05% A+

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 1 – Base Benefits 5.05% A-

Details

Product Name Rate AM Best Rating Apply
Milestone MYGA 5.05% A-

Details

Product Name Rate AM Best Rating Apply
Athene MYG 5.00% A

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with MVA 5.00% A

Details

Product Name Rate AM Best Rating Apply
Optimum 5 Selection 5.00% A

Details

Product Name Rate AM Best Rating Apply
Asset Guard 5.00% A-

Details

Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 5.00% A-

Details

Product Name Rate AM Best Rating Apply
Advantage 5 Advisory 5.00% A+

Details

Product Name Rate AM Best Rating Apply
Eleos MVA 5.00% A++

Details

Product Name Rate AM Best Rating Apply
Reliance Guarantee 5.00% A++

Details

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

Details

Product Name Rate AM Best Rating Apply
Performance SPDA 5.00% A-

Details

Product Name Rate AM Best Rating Apply
Athene MYG 4.95% A

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 3 – Base Benefits Plus PFW 4.95% A-

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.90% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.85% A

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.85% A

Details

Product Name Rate AM Best Rating Apply
Eleos SP 4.85% A++

Details

Product Name Rate AM Best Rating Apply
MyGuarantee Plus 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
Performance SPDA 4.85% 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
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
GuaranteeShield 4.75% A-

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity 4.75% A

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 4.75% A

Details

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

Details

Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 5 4.75% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.75% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.75% A+

Details

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

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.70% A

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® Non-MVA 4.70% A-

Details

Product Name Rate AM Best Rating Apply
Stable Voyage 4.70% A++

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.70% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 4.70% A+

Details

Product Name Rate AM Best Rating Apply
Secure Growth 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
SecureGain 5 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
Athene MYG NY 4.60% A

Details

Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with ROP 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
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
Athene MYG NY 4.55% A

Details

Product Name Rate AM Best Rating Apply
Stars and Stripes 5 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
First Choice 5 4.50% A

Details

Product Name Rate AM Best Rating Apply
American Freedom Aspire 5 4.50% A+

Details

Product Name Rate AM Best Rating Apply
Freedom Elevate 5 4.50% A+

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.50% A+

Details

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

Details

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

Details

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

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.50% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term MVA III 4.50% A++

Details

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

Details

Product Name Rate AM Best Rating Apply
Select Pro 4.50% A

Details

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

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.45% A

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice III 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.45% A++

Details

Product Name Rate AM Best Rating Apply
Secure Saver Pro 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
Jackson RateProtector 4.40% A

Details

Product Name Rate AM Best Rating Apply
Jackson RateProtector 4.40% A

Details

Product Name Rate AM Best Rating Apply
SecureOption Choice 4.40% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV – FP Series 4.40% A++

Details

Product Name Rate AM Best Rating Apply
Custom 5 4.40% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.40% A

Details

Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 4.35% A-

Details

Product Name Rate AM Best Rating Apply
SecureGain 5 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 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Expedition II 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Expedition II 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Mariner 4.35% A+

Details

Product Name Rate AM Best Rating Apply
Mariner 4.35% A+

Details

Product Name Rate AM Best Rating Apply
First Choice 5 4.30% A

Details

Product Name Rate AM Best Rating Apply
Stars and Stripes 5 4.30% A+

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.30% A++

Details

Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Plus 4.25% A

Details

Product Name Rate AM Best Rating Apply
Custom 5 4.25% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.25% A

Details

Product Name Rate AM Best Rating Apply
Select 5 4.25% A

Details

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

Details

Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.20% A++

Details

Product Name Rate AM Best Rating Apply
Select Choice 1 – Base Benefits 4.20% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice 2 – Base Benefits Plus ROP 4.15% A-

Details

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

Details

Product Name Rate AM Best Rating Apply
Select Choice 3 – Base Benefits Plus PFW 4.10% A-

Details

Product Name Rate AM Best Rating Apply
Custom 5 4.10% A

Details

Product Name Rate AM Best Rating Apply
Optimum 5 Selection 4.05% A

Details

Product Name Rate AM Best Rating Apply
Select Choice 4 – Base Benefits Plus ROP and PFW 4.05% A-

Details

Product Name Rate AM Best Rating Apply
Select Choice Plus 2 – Base Benefits Plus ROP 4.05% A-

Details

Product Name Rate AM Best Rating Apply
Select 5 4.05% A

Details

Product Name Rate AM Best Rating Apply
Platinum Edge 4.00% A+

Details

Product Name Rate AM Best Rating Apply
Custom 5 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
American Pathway Fixed 5 Annuity 3.95% A

Details

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

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Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.95% A-

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Custom 5 3.95% A

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Select Choice Plus 2 – Base Benefits Plus ROP 3.90% A-

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Select 5 3.90% A

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Custom 5 3.85% A

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American Pathway Fixed 5 Annuity 3.80% A

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American Pathway Fixed 5 Annuity 3.80% A

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Select Choice Plus 4 – Base Benefits Plus ROP and PFW 3.80% A-

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American Pathway Fixed 5 Annuity 3.70% A

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MultiVantage 3.65% A+

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American Pathway Fixed 5 Annuity 3.55% A

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American Pathway Fixed 5 Annuity 3.45% A

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American Pathway Fixed 5 Annuity 3.45% A

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Select Choice 4 – Base Benefits Plus ROP and PFW 2.95% A-

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6-Year Annuity Rates

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Milestone MYGA 5.00% A-

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Milestone MYGA 4.95% A-

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SecureGain 3 4.60% A+

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Secure Term MVA II 4.50% A++

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Secure Term Choice II 4.45% A++

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Secure Term Fixed Annuity IV – FP Series 4.40% A++

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Secure Term Choice II 4.30% A++

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SecureGain 3 4.25% A+

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Secure Term Choice II 4.20% A++

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Platinum Edge 4.10% A+

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SmartStep 4.05% A+

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SmartStep 4.05% A+

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Access SPDA 3.95% A-

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SmartSelect 3.90% A+

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Smart Saver NY 3.55% A+

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7-Year Annuity Rates

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MaxRate 7 5.30% A

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Select Choice 1 – Base Benefits 5.30% A-

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MaxRate 7 5.25% A

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Athene MYG 5.20% A

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Apex MYGA 5.20% A-

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FG Guarantee-Platinum 5.20% A-

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Select Choice 3 – Base Benefits Plus PFW 5.20% A-

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Select Choice Plus 1 – Base Benefits 5.20% A-

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Pinnacle Plus MYGA 5.15% A-

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SecureFore 7 5.15% A

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Oak ADVantage 5.15% A+

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Select Max 5.15% A

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F&G Secure MYGA® 5.10% A-

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F&G Secure MYGA® MVA 5.10% A-

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Select Choice Plus 3 – Base Benefits Plus PFW 5.10% A-

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Brighthouse Fixed Rate Annuity with MVA 5.05% A

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Select Choice Plus 1 – Base Benefits 5.05% A-

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Athene MYG 5.00% A

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Optimum 7 Selection 5.00% A

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ForeCare Fixed Annuity (LTC) 5.00% A

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Reliance Guarantee 5.00% A++

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Milestone MYGA 5.00% A-

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Athene MYG 4.95% A

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Select Choice Plus 3 – Base Benefits Plus PFW 4.95% A-

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Milestone MYGA 4.95% A-

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F&G Secure MYGA® Non-MVA 4.85% A-

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LiveWell Guarantee Max 4.85% A+

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MNL Guarantee Pro 7 4.85% A+

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Brighthouse Fixed Rate Annuity 4.80% A

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Secure Growth 4.80% A+

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Secure Growth 4.80% A+

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Secure Growth 4.80% A+

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Secure Growth 4.80% A+

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Expedition II 4.80% A+

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Expedition II 4.80% A+

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Mariner 4.80% A+

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Mariner 4.80% A+

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Focused Growth Annuity 4.80% A

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Athene MYG NY 4.75% A

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MaxRate 7 4.75% A

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American Pathway Fixed 7 Annuity 4.75% A

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MCA No FPW 4.75% A

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Athene MYG NY 4.70% A

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MyGuarantee Plus 4.70% A

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Focused Growth Annuity 4.70% A

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MCA Int Credited 4.70% A

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MCA No FPW 4.70% A

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MCA No FPW 4.70% A

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Brighthouse Fixed Rate Annuity with ROP 4.65% A

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MCA 10% FPW 4.65% A

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Custom 7 4.60% A

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MCA 10% FPW 4.60% A

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MCA 10% FPW 4.60% A

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SecureOption Choice 4.55% A+

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Secure Saver Pro 4.55% A+

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SecureSaver 4.55% A+

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Apollo MVA 4.55% A++

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Secure Term MVA II 4.50% A++

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Secure Term MVA III 4.50% A++

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Select Pro 4.50% A

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MCA 10% FPW & ROP 4.50% A

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MCA 10% FPW & ROP 4.50% A

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American Freedom Aspire 7 4.45% A+

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Secure Term Choice II 4.45% A++

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Secure Term Choice III 4.45% A++

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Secure Term Fixed Annuity V 4.45% A++

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Custom 7 4.45% A

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Custom 7 4.45% A

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F&G Secure MYGA® ROP 4.40% A-

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Jackson RateProtector 4.40% A

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Jackson RateProtector 4.40% A

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Secure Term Fixed Annuity IV – FP Series 4.40% A++

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Apollo SP 4.40% A++

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Select 7 4.40% A

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Custom 7 4.35% A

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Select 7 4.35% A

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Performance SPDA 4.35% A-

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Secure Term Choice II 4.30% A++

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Custom 7 4.30% A

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American Pathway Fixed 7 Plus 4.25% A

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SolutionsMYG 4.25% A

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SolutionsMYG 4.25% A

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SolutionsMYG 4.25% A

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SecureOption Focus 4.25% A+

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SecureOption Focus 4.25% A+

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SecureOption Focus 4.25% A+

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Select 7 4.25% A

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Secure Term Choice II 4.20% A++

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Custom 7 4.20% A

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Performance SPDA 4.20% A-

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Platinum Edge 4.15% A+

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Select Pro 4.15% A

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MultiRate 4.15% A+

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SPDA Series II 4.10% A+

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MultiRate 4.10% A+

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Optimum 7 Selection 4.05% A

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American Pathway Fixed 7 Annuity 3.70% A

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MultiVantage 3.65% A+

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New Momentum 3.65% A+

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Stars and Stripes 7 3.65% A+

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Stars and Stripes 7 3.60% A+

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American Pathway Fixed 7 Annuity 3.55% A

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American Pathway Fixed 7 Annuity 3.50% A

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American Pathway Fixed 7 Annuity 3.45% A

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American Pathway Fixed 7 Annuity 3.10% A

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American Pathway Fixed 7 Annuity 3.05% A

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American Pathway Fixed 7 Annuity 3.00% A

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Select Choice 2 – Base Benefits Plus ROP 2.90% A-

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Select Choice 4 – Base Benefits Plus ROP and PFW 2.80% A-

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8-Year Annuity Rates

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Flex Guard Preferred 8 Annuity 4.80% A-

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Flex Guard Preferred 8 Annuity 4.65% A-

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Flex Guard Preferred 8 Annuity 4.40% A-

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Platinum Edge 4.20% A+

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9-Year Annuity Rates

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ForeCare Fixed Annuity (LTC) 5.00% A

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SecureOption Choice 4.60% A+

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SecureOption Choice 4.50% A+

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Platinum Edge 4.25% A+

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10-Year Annuity Rates

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American Pathway Vision MYG 5.05% A

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American Pathway Vision MYG 5.05% A

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American Pathway Vision MYG 5.05% A

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American Pathway Vision MYG 5.05% A

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American Pathway Vision MYG 5.00% A

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SolutionsMYG 4.85% A

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SolutionsMYG 4.75% A

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SolutionsMYG 4.75% A

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SolutionsMYG 4.75% A

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Reliance Guarantee 4.70% A++

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Focused Growth Annuity 4.65% A

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Focused Growth Annuity 4.50% A

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Platinum Edge 4.30% A+

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MultiVantage 3.65% A+

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MultiVantage 3.35% A+

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How Do You Compare Rates for Different Types of Annuities?

Annuity rates are tricky to compare because, as previously mentioned, different types of annuities earn interest in different ways. For example, 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 MYGAs, 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.

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,” 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 can explore fixed index or variable annuities.

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.

Step 1
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Step 4

How soon are you retiring?

STEP 1
STEP 2
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Step 4

What is your goal for purchasing an annuity?

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What Factors Influence Annuity Rates?

The rates of fixed annuities are influenced primarily by interest rates in other parts of the financial system. This is because of the way insurers invest in annuity premiums to generate returns.

Insurers’ fixed annuity portfolios are composed of relatively safe investments like bonds. So when interest rates on bonds and similar products rise — as they have throughout 2022 and much of 2023 — the higher yields insurers receive from their portfolios are passed to consumers as more generous fixed annuity rates.

“If interest rates go up, it’s expected annuities will pay out more,” Branislav Nikolic, the Vice President of Research at CANNEX, told CNBC

Different economic conditions affect the rates of indexed and variable annuities. Because the rates of these annuities are directly tied to an index or investment portfolio’s performance, the overall health of the stock market and its indexes can impact how much a variable or indexed annuity earns.

In addition to index performance, fixed-indexed annuities employ a number of pricing levers to affect how interest is credited to the contract. These levers are designed to both minimize downside risk and somewhat limit exponential growth in the event that the controlling index performs exceptionally well.

Indexed Annuity Pricing Levers

Will You Be Able to Maintain Your Retirement Lifestyle?

Learn how annuities can:

✓ Help protect your savings from market volatility

✓ Guarantee income for life

✓ Safeguard your family

✓ Help you plan for long-term care

Speak with a licensed agent about top providers and how much you need to invest.

Frequently Asked Questions About Annuity Rates

Who sets annuity rates?

Annuity rates are set by the insurance company that issues the contract.

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.

Should you buy an annuity when interest rates are high or low?

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.

Can I get out of my annuity if my interest rates decrease?

Unless your annuity has a bailout provision, you likely won’t be able to cancel your annuity contract without a hefty surrender charge, even if the rate on your annuity declines.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: August 22, 2023

7 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. Williams, G. (2022, November 15). Why Would I Want To Use an Annuity Bailout Provision? Retrieved from https://www.yahoo.com/video/why-want-annuity-bailout-provision-140055707.html
  2. 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
  3. 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
  4. 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
  5. 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
  6. Barney, L. (2018, August 31). Refresher on Annuity Pricing Mechanics. Retrieved from https://www.planadviser.com/exclusives/refresher-annuity-pricing-mechanics/
  7. 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