Annuity Interest Rates
Hyers and Associates, Inc. provides very competitive fixed, indexed, and immediate annuity quotes for our clients. We quote from the leading annuity providers to find the best possible fixed rates and returns. View our most popular tax deferred policies below. (Our six year annuity yields 5.20% guaranteed!)
Guaranteed Fixed Annuity Returns*
| Term (Years) | Year 1 (Yield) | Year 2+ (Yield) | Blended Rate |
|---|---|---|---|
| 10 | 6.60% | 5.60% | 5.70% |
| 9 | 5.99% | 4.99% | 5.10% |
| 8 | 5.98% | 4.98% | 5.10% |
| 7 | 5.96% | 4.96% | 5.10% |
| 6 | 6.03% | 5.03% | 5.20% |
| 5 | 5.80% | 4.80% | 5.00% |
| 4 | 5.18% | 4.68% | 4.80% |
| 3 | 5.03% | 4.53% | 4.70% |
The above rates are for premium bands between $25,000-$249,999. Premium deposits above $250,000 as well as deposits above 1 million will be credited with higher interest rates. (The difference between fixed and floating rate contracts is explained on the fixed annuities page.)
Floating Rate Annuity Returns*
| Term (Years) | Year 1 (Yield) | Year 2+ (Projected Yield) | MVA |
|---|---|---|---|
| 6 | 4.30% | 4.30% | yes |
| 9 | 7.90% | 4.15% | yes |
| 9 | 4.85% | 4.85% | no |
| 9 | 5.10% | 5.10% | yes |
Deposits of $100,000 or greater receive additional 0.30% on floating rate annuity contracts! Issue ages on all products 0-90 yrs old. Full accumulated value at death, i.e. no surrender penalties to your beneficiaries. MVA = Market Value Adjustment.
Equity-Indexed Annuity Returns
Equity-indexed (also know as fixed indexed) annuities are offering very high returns while providing unprecedented protection to the accumulated principal. Many of these accounts have been averaging 8% a year or better with no exposure to downside market risk.
The yearly interest rate used to calculate returns will vary depending on the performance of the chosen index crediting method, but current first year premium bonuses add immediate value to deposits. Bonuses can range from 2-7.5%* depending on the term of the annuity. First year guaranteed returns can be as high as 10%* or more when the premium dollars, increased by the bonus percentage, are invested in the fixed interest sub account within the EIA. First year returns have been even higher in indexed accounts, often approaching 15-20% during bull market cycles.
Example
$100,000 premium plus 7.5%* bonus equals $107,500
$107,500 credited 3.00%* (guaranteed interest in the fixed sub account) equals $110,725.00
The guaranteed first year yield would be 10.73%* in this annuity!
The following year the money could be invested in the equity index sub account. (Issue age up to 75 years old)
Providers
Currently, we offer fixed, immediate, indexed, and structured settlement annuities from many of the leading insurance carriers including AIG, Aviva, Equitrust, Great American, Jackson National Life, Jefferson Pilot, ING, and Standard Life of Indiana.
Contact us to open an account today.
*Rates subject to change. We will update rate changes as soon as we are notified by the insurance company.
