Are Annuities a Smart Move When Interest Rates Are High?
Rising interest rates can be a double-edged sword in retirement planning. While they often make borrowing more expensive, they also create a unique opportunity for savers—especially when it comes to annuities. Fixed annuities and Multi-Year Guaranteed Annuities (MYGAs) tend to offer much more competitive rates when the market shifts upward, making them an appealing option for individuals looking to lock in long-term returns without stock market risk.
Unlike CDs, annuities grow tax-deferred, meaning your interest compounds faster since you don’t pay taxes on gains until you withdraw. Higher rate environments allow you to capture stronger guaranteed returns while preserving your principal. Plus, many annuities offer flexible features—like income riders or liquidity options—that give you more control than a traditional bank product.
But with over 1,000 products on the market, it’s critical to know which contracts are taking full advantage of today’s rate environment—and which ones are already falling behind.
At Diversified Insurance Brokers, we shop the top annuity carriers to help you secure the best available rates while they last. Whether you want a simple fixed rate or a lifetime income stream, we’ll guide you through the right strategy for today’s market.
👉 Visit our annuity rate page here
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