Fixed Annuity Interest Rates
Get a Quote »We offer multi-year fixed annuity accounts direct to consumer. You can compare annuity quotes and invest direct in guaranteed annuities with the highest rates, yields and returns. You can defer payments or withdraw your annuity income on a systematic basis.
You can view our most popular tax deferred and income generating annuity accounts below. Choose to receive regular income now or reduce your income taxes and defer your annuity investment until retirement.
Compare Annuity Quotes, Rates, Yields and Returns
|Insurance Company||Annuity (Years)||Annual Yield||Deposit Amount||Quote Request|
|Guggenheim Life||10||3.50%||250k||Request Info|
|Guggenheim Life||9||3.40%||250k||Request Info|
|Guggenheim Life||8||3.30%||250k||Request Info|
|Guggenheim Life||6||2.90%||250k||Request Info|
|Sentinel Life||5||3.10%||5k||Request Info|
|Guggenheim Life||4||2.35 %||250k||Request Info|
|Guggenheim Life||3||2.10%||250k||Request Info|
*The Sentinel Life annuity is not available in all states and the multi-year interest rates with this product can be reduced by certain riders and/or policy additions.
Employees Life Insurance Company Annuity Quotes
|Term (Years)||Annual Yield||Minimum Deposit||Information|
*For a limited time Employees Life is offering a 10 year annuity with a first year rate of 6.5% and 3.0% rate for years 2-10. Call us to learn more.
(Annuity interest rates will vary between states and are subject to change pending company announcement. We update our fixed rates on a regular basis.)
Contact Us to request more information or to open a fixed annuity account.
Multi-Year Equity-Indexed Annuity Returns
Equity-indexed (also known as fixed indexed) annuities offer the potential for higher returns while also providing protection and insurance on the accumulated principal. During favorable market cycles in prior year, indexed annuity accounts have credited double digit interest rates without present or future exposure to downside market risk.
The interest rate used to calculate yearly returns will vary depending on the performance of the chosen index crediting method, but current first year premium bonuses add immediate value to the initial deposit.
Bonuses vary depending on the term of the annuity, but some insurance companies offer 10% first year premium bonuses on accounts with longer terms. In some cases, the insurance company will offer a bonus on all deposits made in the first three or five years as oppose to year one only.
First year guaranteed returns will be 10% or better when the initial premium, increased by the bonus amount, is invested in the fixed interest sub-account. During favorable market cycles, deposits have increased substantially, often approaching 15-20% or better. Investors can rest assured during bear markets knowing their principal and accumulated interest from years past remains protected from market losses.
First Year Interest Example with Premium Bonus
$100,000 initial premium deposit plus 10%* bonus = $110,000
$110,000 credited 3.50%* (declared interest in the fixed sub-account) equals $113,850.00
The first year yield would be 13.85% in this example.
The following year the accumulated annuity principal can be invested in one of the available indexed sub-account if market conditions have improved. While it is impossible to predict future interest rates in an index based product, we can provide historical annuity quotes for comparison purposes.
Fixed Annuity Income & Tax Deferred Accounts
Currently we offer fixed, immediate, indexed, structured sale, and structured settlement annuity quotes from many of the leading insurance carriers.
AIG, Allianz Life, Allstate, American Equity, Aviva, Equitrust, Employees Life, Genworth, Great American, Guggenheim Life and Annuity Company, ING USA, Investors Insurance, Jackson National Life, Jefferson Pilot, John Hancock, MetLife, Midland National, Minnesota Life, Mutual of Omaha, National Western, North American, New York Life, Old Mutual, Protective Life Corporation, Prudential, Sagicor Life, Sentinel, and Transamerica are some of the many carriers we can assist with.
*Annuity interest rates are subject to change. We will update rate changes as soon as we are notified by the insurance company. Not all annuity accounts are available in all states. It is best to speak with one of our licensed insurance agents to learn more about what is available in your area.
*Multi-year fixed annuities provide a guaranteed interest rate for the selected number of year from the insurance company, but the rates are not guaranteed beyond that and are only as safe as the carrier offering the plan. In most states, annuity accounts are insured up to $250,000 up to certain household maximums.