Highest Annuity Rates Today
100+ Highly Rated Carriers to Quote
Explore today’s highest annuity rates and see how to lock in top yields for guaranteed, principal-protected growth. We focus on fixed-rate deferred annuities and MYGAs (Multi-Year Guaranteed Annuities), where your rate is guaranteed for the entire term.
🖊️ Request Your Top-Rate Annuity Quote
We’ll compare the highest available rates by state, deposit size, and term—no pressure.
What “Highest Rates” Really Means
“Highest” refers to the top published MYGA/fixed annuity yields for specific guarantee terms. Before picking a headline rate, balance:
- Term & liquidity: Longer terms can pay more but tie up funds longer. Review surrender charges and any free-withdrawal perks.
- Carrier strength: Weigh yield against insurer ratings and your risk tolerance.
- State & premium bands: Some rates require certain deposit thresholds or vary by state.
- Contract features: Market Value Adjustment (MVA), renewal rules, and RMD waivers all matter.
💰 Highest Annuity Rates by Term (1–10 Years)
The snapshot below lists popular top-yield options across each common term length. Rates are illustrative and change frequently—use the quote button for live, carrier-verified figures.
| Term | Rate | Provider | Product | AM Best |
|---|---|---|---|---|
| 1 Year | 4.15% | GCU Life | 1+4 Choice | A- |
| 2 Years | 5.50% | Mountain Life | Secure Summit | B |
| 3 Years | 6.00% | Mountain Life | Secure Summit | B |
| 4 Years | 6.05% | Mountain Life | Secure Summit | B |
| 5 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 6 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 7 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 8 Years | 6.00% | Mountain Life | Secure Summit | B |
| 9 Years | 5.40% | Mountain Life | Secure Summit | B |
| 10 Years | 6.05% | Wichita National | Security MYGA | B+ |
Rates are subject to change and may vary by state, age, and premium band. Larger deposits may qualify for different tiers.
Example: Turning High Rates into Real Dollars
Allocate $300,000 across a 3-, 5-, and 10-year ladder. You’ll get staggered maturities for liquidity, the chance to re-lock at future rates, and blended yield that’s competitive today—without market risk.
What’s Next?
We’ll verify live rates, eligibility, and liquidity features, then show you a side-by-side comparison tailored to your timeline. Prefer to see current bonus annuity rates? We can include those as well.
Get Today’s Highest Annuity Rates
Compare top carriers, confirm availability in your state, and lock your rate.
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FAQs: Highest Annuity Rates Today
Why are some annuity rates higher than others?
High rates often come with longer terms, lower-rated carriers, larger minimum deposits, or product features that reduce liquidity. Always balance yield and risk.
How often do annuity rates change?
Carriers update rates based on interest-rate movements, investment yields, and product demand. Some update weekly or even daily.
Can I lock today’s rate if the paperwork isn’t finished immediately?
Many carriers offer a rate-lock window (30-60 days) from application receipt, but terms vary. Confirm the lock policy when you apply.
What happens after the term ends?
At maturity, you’ll typically receive a maturity notice and options: withdraw, renew at a new rate, transfer, or roll into income. Review the carrier’s renewal rules.
Is it smart to chase the highest rate at any cost?
Not always. A slightly lower rate from a stronger insurer may be a better long-term fit—especially if you value carrier strength and liquidity. Prioritize both yield and contract terms.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
