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Compare The Highest Annuity Rates Today

best fixed annuity ratesCompare the best guaranteed fixed annuity interest rates from several insurance companies with our independent brokerage.

Using the tables below, you can view the highest tax-deferred and income-generating annuity policies available. These are safe & insured accounts offering high yields, competitive returns, and minimal risk.

Do you want more information on short-term or multi-year fixed annuities? Contact our agency today for a free consultation →

One Year Annuity Accounts

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
ELCO Mutual Life5.00%$5KB++Download >Request Info >

Two-Year Fixed Account Rates & Returns

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Axonic Ins5.65%$100KA-Download >Request Info >
Aspida Adv5.55%$100KA-Download >Request Info >
GBU Life5.50%$100KA-Download >Request Info >
Aspida Life5.45%$100KA-Download >Request Info >
Americo Life5.35%$25KADownload >Request Info >
CL Life5.25%$20KB++Download >Request Info >
Oceanview Life5.10%$80KADownload >Request Info >
ELCO Mutual Life4.90%$5KB++Download >Request Info >
SILAC Life3.90%$10KB+Download >Request Info >

Compare The Best Three-Year Fixed Annuities

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Upstream Life6.00%$10KC++Download >Request Info >
Sentinel Security Life5.90%$5KB++Download >Request Info >
Atlantic Coast Life5.90%$5KB++Download >Request Info >
Axonic Ins5.85%$100KA-Download >Request Info >
CL Life5.85%$20KB++Download >Request Info >
American Life5.81%$1KB++Download >Request Info >
Aspida Adv5.75%$100KA-Download >Request Info >
Revol One5.75%$25KB++Download >Request Info >
Aspida Life5.70%$100KA-Download >Request Info >
Heartland National Life5.65%$5KB++Download >Request Info >
Farmers Life5.65%$10KB++Download >Request Info >
Ibexis Life5.54%$100KA-Download >Request Info >
S.USA Life5.50%$5KA-Download >Request Info >
National Security Life5.50%$25KB++Download >Request Info >
SILAC Life5.40%$10KB+Download >Request Info >
Oceanview Life5.35%$80KADownload >Request Info >
GBU Life5.35%$100KA-Download >Request Info >
Athene Life5.30%$100KADownload >Request Info >
Fidelity & Guaranty Life5.30%$20KA-Download >Request Info >
American National5.30%$250KADownload >Request Info >
Ohio State Life5.25%$10KB+Download >Request Info >
Sagicor Life5.25%$100KA-Download >Request Info >
EquiTrust Life Life5.25%$10KB++Download >Request Info >
ELCO Mutual Life5.25%$5KB++Download >Request Info >
Americo Life5.20%$25KADownload >Request Info >
Pacific Guardian Life5.20%$10KADownload >Request Info >
Western United Life5.20%$10KB++Download >Request Info >
Global Atlantic Life5.15%$100KADownload >Request Info >
The Standard Life5.15%$100KADownload >Request Info >
Securian Life5.00%$100KA+Download >Request Info >
Guaranty Income Life5.00%$100KA-Download >Request Info >
Liberty Bankers Life5.00%$10KA-Download >Request Info >
North American Life Life4.95%$100KA+Download >Request Info >
Midland Life4.95%$100KA+Download >Request Info >
Jackson National Life4.95%$100KADownload >Request Info >
Delaware Life4.95%$10KA-Download >Request Info >
Clear Spring Life4.95%$100KA-Download >Request Info >
Oxford Life4.85%$20KADownload >Request Info >
Symetra Life4.80%$100KADownload >Request Info >
New York Life4.75%$100KA++Download >Request Info >
Royal Neighbors4.75%$100KADownload >Request Info >
American Equity4.75%$250KA-Download >Request Info >
MassMutual Life4.35%$100KA+Download >Request Info >

Four Year Fixed Annuity Accounts

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Americo Life5.55%$25KADownload >Request Info >
Nassau Life5.50%$10KB++Download >Request Info >
Oxford Life5.45%$20KADownload >Request Info >
National Security Life5.45%$25KB++Download >Request Info >
Oceanview Life5.40%$80KADownload >Request Info >
GBU Life5.35%$100KA-Download >Request Info >
Corebridge Life5.30%$100KADownload >Request Info >
Sagicor Life5.30%$100KA-Download >Request Info >
Pacific Guardian Life5.20%$10KADownload >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Guaranty Income Life5.00%$100KA-Download >Request Info >
New York Life4.65%$100KA++Download >Request Info >
Integrity Life4.55%$20KA+Download >Request Info >

Highest Five-Year Fixed Annuity Interest Rates

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Wichita Life6.50%$10KB+Download >Request Info >
Axonic Ins5.95%$100KA-Download >Request Info >
Aspida Adv5.90%$100KA-Download >Request Info >
Revol One5.85%$25KB++Download >Request Info >
American Life5.83%$1KB++Download >Request Info >
Heartland National Life5.80%$5KB++Download >Request Info >
Farmers Life5.80%$10KB++Download >Request Info >
Atlantic Coast Life5.75%$5KB++Download >Request Info >
Sentinel Life5.75%$5KB++Download >Request Info >
Nassau Life5.70%$10KB++Download >Request Info >
Americo Life5.65%$25KADownload >Request Info >
Upstream Life5.65%$10KC++Download >Request Info >
Sagicor Life5.60%$100KA-Download >Request Info >
American National Life5.60%$250KADownload >Request Info >
CL Life5.60%$20KB++Download >Request Info >
National Security Life5.60%$25KB++Download >Request Info >
Fidelity & Guaranty Life5.50%$20KADownload >Request Info >
Aspida Life5.50%$100KA-Download >Request Info >
Oceanview Life5.50%$80KADownload >Request Info >
Athene Life5.50%$100KADownload >Request Info >
Oxford Life5.50%$20KADownload >Request Info >
Pacific Guardian Life5.50%$10KADownload >Request Info >
Family Benefit/Trinity Life5.50%$5KB++Download >Request Info >
ELCO Mutual Life5.50%$5KB++Download >Request Info >
Western United Life5.45%$10KB++Download >Request Info >
The Standard Life5.40%$100KADownload >Request Info >
Ibexis Life5.39%$100KA-Download >Request Info >
EquiTrust Life5.35%$10KB++Download >Request Info >
GBU Life5.35%$100KA-Download >Request Info >
Reliance Standard Life5.30%$10KA++Download >Request Info >
Lincoln Financial5.30%$100KA+Download >Request Info >
Corebridge Life5.30%$100KADownload >Request Info >
Liberty Bankers Life5.30%$10KA-Download >Request Info >
Global Atlantic Life5.30%$100KADownload >Request Info >
Guaranty Income Life5.25%$100KA-Download >Request Info >
Ohio State Life5.25%$10KB+Download >Request Info >
Protective Life5.20%$75KA+Download >Request Info >
Mutual of Omaha5.20%$25KA+Download >Request Info >
Symetra Life5.20%$100KADownload >Request Info >
Delaware Life5.20%$10KA-Download >Request Info >
North American Life5.15%$100KA+Download >
Request Info >
Midland National Life5.15%$100KA+Download >
Request Info >
Nationwide Life5.15%$100KA+Download >Request Info >
S.USA Life5.15%$5KA-Download >Request Info >
MassMutual Life5.10%$100KA+Download >Request Info >
Securian Life5.00%$100KA+Download >Request Info >
National Life Group5.00%$100KA+Download >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
SILAC Life5.00%$10KB+Download >Request Info >
American Equity4.85%$250KA-Download >Request Info >
Royal Neighbors4.65%$100KADownload >Request Info >
New York Life4.55%$100KA++Download >Request Info >
SBLI Life4.50%$25KADownload >Request Info >
Integrity Life4.45%$20KA+Download >Request Info >

Six-Year Fixed Account Rates & Returns

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Nassau Life5.75%$10KB++Download >Request Info >
Oxford Life5.70%$20KADownload >Request Info >
Americo Life5.65%$25KADownload >Request Info >
American National Life5.65%$250KADownload >Request Info >
Atlantic Coast Life5.62%$10KB++Download >Request Info >
Oceanview Life5.55%$80KADownload >Request Info >
Sagicor Life5.55%$100KA-Download >Request Info >
Pacific Guardian Life5.50%$10KADownload >Request Info >
Equitrust Life5.40%$10KB++Download >Request Info >
Corebridge Life5.30%$100KADownload >Request Info >
National Security Life5.30%$25KB++Download >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Guaranty Income Life5.00%$100KA-Download >Request Info >
Western United Life4.75%$10KB++Download >Request Info >
New York Life4.50%$100KA++Download >Request Info >

Highest Yielding Seven-Year Annuities

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Revol One6.00%$25KB++Download >Request Info >
Aspida Adv5.80%$100KA-Download >Request Info >
Heartland National Life5.80%$5KB++Download >Request Info >
Americo Life5.65%$25KADownload >Request Info >
Oxford Life5.60%$20KADownload >Request Info >
Sentinel Security Life5.60%$5KB++Download >Request Info >
American National Life5.60%$250KADownload >Request Info >
Atlantic Coast Life5.59%$5KB++Download >Request Info >
Sagicor Life5.55%$100KA-Download >Request Info >
Farmers Life5.55%$10KB++Download >Request Info >
Western United Life5.55%$10KB+Download >Request Info >
Aspida Life5.50%$100KA-Download >Request Info >
Fidelity & Guaranty Life5.50%$20KADownload >Request Info >
Athene Life5.50%$100KADownload >Request Info >
Guaranty Income Life5.50%$100KA-Download >Request Info >
Ibexis Life5.50%$100KA-Download >Request Info >
Pacific Guardian Life5.50%$10KADownload >Request Info >
ELCO Mutual Life5.50%$5KB++Download >Request Info >
Reliance Standard Life5.45%$10KA++Download >Request Info >
S.USA Life5.45%$5KA-Download >Request Info >
National Security Life5.40%$25KB++Download >Request Info >
Global Atlantic Life5.40%$100KADownload >Request Info >
Axonic Ins5.40%$100KA-Download >Request Info >
Oceanview Life5.35%$80KADownload >Request Info >
Lincoln Financial5.35%$100KA+Download >Request Info >
Corebridge Life5.30%$100KADownload >Request Info >
Liberty Bankers Life5.30%$10KA-Download >Request Info >
Mutual of Omaha5.25%$100KA+Download >Request Info >
The Standard Life5.20%$100KADownload >Request Info >
Symetra Life5.20%$100KADownload >Request Info >
Securian Life5.15%$100KA+Download >Request Info >
MassMutual Life5.14%$100KA+Download >Request Info >
Delaware Life5.10%$10KA-Download >Request Info >
North American Life5.05%$100KA+Download >Request Info >
Midland National Life5.05%$100KA+Download >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Ohio State Life5.00%$10KB+Download >Request Info >
Protective Life5.20%$75KA+Download >Request Info >
Nationwide Life5.20%$100KA+Download >Request Info >
New York Life4.45%$20KA+Download >Request Info >

Eight-Year Fixed Interest Plans & Terms

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Pacific Guardian Life5.50%$10KADownload >Request Info >
EquiTrust Life5.50%$10KB++Download >Request Info >
American National5.45%$250KADownload >Request Info >
Oxford Life5.35%$20KADownload >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Guaranty Income Life5.00%$5KA-Download >Request Info >
New York Life4.45%$100KA++Download >Request Info >

Nine-Year Fixed Interest Annuities

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
American National5.50%$250KADownload >Request Info >
Pacific Guardian Life5.50%$10KADownload >Request Info >
Liberty Bankers Life5.30%$10KA-Download >Request Info >
Oxford Life5.20%$20KADownload >Request Info >
Securian Life5.00%$100KA+Download >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Guaranty Income Life5.00%$5KA-Download >Request Info >
Royal Neighbors4.50%$100KADownload >Request Info >

Ten-Year Annuity Policies Offering Highest Rates

CompanyAnnual YieldMinimum $AM BestView BrochureContact Us
Heartland National Life5.80%$5KB++Download >Request Info >
EquiTrust Life5.60%$10KB++Download >Request Info >
Farmers Life5.50%$10KB++Download >Request Info >
Pacific Guardian Life5.50%$10KADownload >Request Info >
ELCO Mutual Life5.50%$10KB++Download >Request Info >
Atlantic Coast Life5.45%$5KB++Download >Request Info >
Sentinel Security Life5.45%$5KB++Download >Request Info >
Oceanview Life5.40%$80KADownload >Request Info >
American National Life5.35%$250KADownload >Request Info >
Corebridge Life5.30%$100KADownload >Request Info >
Oxford Life5.25%$20KADownload >Request Info >
Reliance Standard Life5.15%$20KA++Download >Request Info >
Delaware Life5.10%$100KA-Download >Request Info >
Clear Spring Life5.00%$100KA-Download >Request Info >
Guaranty Income Life5.00%$100KA-Download >Request Info >
Ohio State Life5.00%$10KB+Download >Request Info >
The Standard Life4.90%$100KADownload >Request Info >
Royal Neighbors Life4.60%$100KADownload >Request Info >
Integrity Life4.02%$20KA+Download >Request Info >

(Annuity interest rates can vary between states and are subject to change. We update our fixed rates on a regular basis. Some policies are not available in all states. Additionally, rates may be lower if certain liquidity features are desired.)

Short Term and Multi-Year Annuities For Safety

Our clients want the best fixed annuity rates with highly-rated insurance companies. We offer short-term and longer term accounts that will meet your needs for safety, tax-deferred growth, income, and wealth preservation.

As interest rates improve, we see demand for three, five, and seven-year annuities offering the highest rates and guaranteed returns. We contract with insurance companies offering yields near 6%. Assuming interest rates stay strong, even higher guaranteed rates could soon be possible.

It’s a matter of what terms best suit your investment needs. We tailor several strategies to maximize growth, income, and returns. Using a laddering strategy, your annuity portfolio renews every couple of years to maximize liquidity. This is a wise strategy in today’s increasing interest rate environment.

Fixed Interest Accounts Vs. Floating Rate Policies

Fixed Annuity RatesFixed annuities come in two forms – MYGA (Multi-Year Guaranteed Annuity) and floating rate accounts. MYGA’s are the most popular and the most common.

With multi-year accounts, the rate is locked in for your chosen duration. Rates are guaranteed by the insurance company and will neither increase nor decrease over the selected term.

We see interest in short-term annuities offering 2, 3, and 5-year terms. These policies allow for more flexibility and liquidity. Our longer-term clients prefer 7 and ten-year accounts. Others will go as long as 15 or 20 years if desired.

Less common are floating-rate fixed annuity accounts. Interest rates can fluctuate each year and may increase or decrease depending on the economic environment. All policies include a floor (minimum interest rate) that cannot be breached. Multi-year annuity accounts are popular with our clients as they provide more certainty and known returns.

Compounding Interest Versus Simple Interest

Which is best, simple interest or compounding interest annuities? The answer to that depends on how you use your account. If you don’t plan on withdrawing your interest, then compounding growth usually offers the highest rates. Most insurance companies only offer compounding annuity policies.

There are, however, a few policies that credit simple interest. If you plan on withdrawing your interest income, then a simple interest plan can outperform a compounding policy. It all depends on the underlying rate of the fixed annuity contract, of course.

We can run the numbers and compare them for you. Let us know your intentions with your interest income and we’ll make suitable recommendations.

Return Of Premium

Seasoned fixed annuity investors know their premiums and interest gains are 100% accessible at the end of their chosen term. But what many don’t know is that a handful of companies offer a Return of Premium feature during the annuity surrender period.

This is advantageous for those who desire more liquidity and might need access to their entire deposit. It’s also an advantageous feature when interest rates are increasing. Companies like The Standard, Nationwide Life, Symatra, Corebridge (formerly AIG), and Mutual of Omaha offer this feature on some of their policies.

Multi-Year Guaranteed Annuity Accounts - MYGAs

A multi-year guaranteed annuity most closely resembles a bank CD. While the two are different – and offered by different institutions – the concept is similar. Only insurance companies offer MYGAs. They are purchased through agents and banks but offered and insured by large insurance companies.

MYGAs offer a guaranteed fixed rate for the term you choose. Two, three, and five-year annuity plans are very popular. Just like a CD, your rate will not go below the percentage yield that is guaranteed at purchase. Some can increase each year, but they do not go below the stated rate at issue.

Unlike CDs, fixed annuity policies allow you to withdraw your interest as income – or defer it – for as long as you wish. And annuities offer higher rates of return than almost all comparable bank instruments offered today. The other piece of good news:  Annuity rates are the highest they’ve been in years! We see significantly more interest in MYGA accounts now. These policies are safe & insured with guaranteed rates and offer better alternatives to risky investments. They almost always offer better yields than bank CDs.

Working With A+ Rated Companies

With increasing interest rates comes competition. There are several highly rated insurance companies vying for deposits. There are several well-known and highly-rated companies offering competitive yields.

And there are agencies specializing in rating annuity insurance companies. You can look to AM Best, COMDEX, Moody’s, Standard and Poor’s, Fitch, and Weiss among others. These businesses sift through the financial metrics before assigning a grade. These grades go up or down based on several factors.

Fortunately, insurance companies are typically safe and secure institutions. Very few ever fail since they are not allowed to lend your deposits like banks. There are many rated at or near A+ offering some of the best yields. A few that you will see above are Reliance Standard Life, sister companies Midland and North American Life, Americo, Oxford Life, American National, Royal Neighbors, Pacific Guardian Life, Athene, Sagicor, Global Atlantic, and Aspida to name a few.

Comparing Bank CDs To Fixed Annuities

If you already own a fixed annuity, you know how they work. They are safe and reliable policies designed for risk-averse investors. The investment they most closely resemble is certificates of deposit (CDs) at the bank. Watch this short video to understand the similarities and differences between the two:

Guaranteed Monthly Income & Tax-Deferred Accounts

Our clients purchase fixed annuities for several reasons. Safety of principal and guaranteed interest rates are certainly two of the most important factors. Annuity contracts can also create guaranteed systematic income streams or tax-deferred growth, but not at the same time. These policies are very flexible. You may want to defer gains now for larger payouts during retirement.

We provide products for all scenarios. We help those needing immediate interest income now as well as those planning for future income. It’s important to note that if you need income now, annuities work best for those over age 59 1/2. Those under this age and withdrawing interest income can be assessed a penalty by the IRS. Fixed annuities work best for those preparing for retirement or looking for income after age 59 1/2.

Our agency offers a wide range of fixed annuity rates and terms from leading, highly-rated insurance companies. We are always licensing with new carriers to offer our clients the best fixed rates of return on their investments. We are happy to send you brochures, policy specs, and company financials on the accounts that best fit your needs and goals.

Contact Us For Quotes, Terms & Information

Why work with us? We are an independent annuity brokerage with over 25 years of experience. We are licensed with all carriers so you can shop and compare them in one place.

Rates are moving fast and we don’t know what’s on the horizon. We help our clients lock in the highest yields possible with safe and secure insurance companies.

*Annuity interest rates are subject to change. We update rate changes often once the insurance company provides new rates. Not all annuity accounts are available in all states. It is best to speak with one of our licensed insurance professionals to learn more about what’s available in your area.

*Multi-year fixed annuities provide a guaranteed interest rate for the selected term. Interest rates are not guaranteed beyond that term. In most states, fixed annuity accounts are insured up to $250,000.