Fixed Annuity Rates & Quotes

We offer fixed annuity rates, quotes, illustrations and information direct to our clients. With our independent agency, you can compare current annuity quotes and invest direct in annuities with the best rates, yields and returns. You can defer payments for the future or withdraw monthly income now on a systematic basis. Please view the highest fixed annuity rates on our most popular tax deferred and income generating accounts below. You can choose to receive annuity income now or defer your gains (and taxes) for the future.

Compare Current Fixed Annuity Rates, Yields & Returns

Insurance Company Annuity (Years) Annual Yield Deposit Amount Quote Request
Sentinel Life 10 3.65% $5K Request Info
Guggenheim Life 9 3.20% $250K Request Info
Guggenheim Life 8 3.10% $250K Request Info
Sentinel Life 7 3.35% $5K Request Info
Guggenheim Life 6 2.90% $250K Request Info
Sentinel Life 5 3.25% $5K Request Info
Oxford Life 4 2.30% $5K Request Info
Oxford Life 3 2.00% $5K Request Info
Employees Life 2 1.75% $5k Request Info
Employees Life 1 1.50% $5k Request Info

*Our best 5 year annuity yields 3.25% with Sentinel Life.

Employees Life Insurance Company Annuity Quotes

Term (Years) Annual Yield Minimum Deposit Information
10 3.20% 5k Request Information
5 2.65% 5k Request Information
3 2.00% 5k Request Information
2 1.75% 5k Request Information
1 1.50% 5k Request Information

(Annuity interest rates will vary between states and are subject to change pending company announcement.  We update our fixed rates on a regular basis.) If you are of the mindset that interest rates will have to increase at some point, then a 1-3 year annuity might be a good place to park your annuity funds until a better rate can be locked in for a longer period of time in the future.

Best Multi-Year Equity Indexed Annuity Returns

Fixed Annuity RatesEquity-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 years, indexed annuity accounts have credited double digit interest rates without present or future exposure to downside market risk. Those interest returns cannot be lost in subsequent years if the market goes down. 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.

Fixed And Indexed Annuity Premium Bonuses

Annuity bonuses vary depending on the term of the annuity, but some insurance companies offer 10% (or more) first year premium bonuses on accounts with longer terms. Some insurance companies offer a bonus on all deposits made in the first three or five years as oppose to year one only. This will be advantageous if you’re saving for retirement. 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 rates and quotes from many of the leading insurance carriers. We are constantly licensing with new carriers to offer our clients the best fixed rate of return on their investments. AIG, Allianz Life, Allstate, American Equity, Aviva, Delaware Life, Equitrust, Employees Life, Genworth, Great American, Guggenheim Life and Annuity Company, ING USA, Investors Insurance, Jackson National Life, Jefferson Pilot, John Han****, 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 use to offer annuity quotes and policies.

*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 years, but the rates are not guaranteed beyond that term and are only as safe as the carrier offering the plan. In most states, annuity accounts are insured up to $250,000.