Highest Guaranteed Annuity Rates
Jason Stolz CLTC, CRPC
Discover the highest guaranteed annuity rates available today from over 75 top-rated insurance carriers. Fixed annuities—often called Multi-Year Guaranteed Annuities (MYGAs)—provide stable, predictable growth with guaranteed interest, principal protection, and tax-deferred accumulation. If you want a straightforward way to grow cash without market risk, guaranteed annuities are a fit.
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How Guaranteed Annuity Rates Work
A MYGA locks your rate for a set term (1–10 years). Your principal is protected from market losses, and interest compounds tax-deferred until withdrawal. Many clients ladder terms for flexibility and to potentially capture improving rates as maturities roll off. For a deeper primer, see how annuities earn interest, what a deferred annuity is, and whether annuities have fees.
Example of Guaranteed Growth
With a $250,000 premium earning 6.00% guaranteed over 5 years, your balance would reach approximately $334,000 at maturity—without market volatility. You can also coordinate MYGAs with pensions or Social Security (see how Social Security and annuities work together) or add income features later (learn about GLWB riders).
📊 Highest Guaranteed Annuity Rates (as of December 2025)
| Term | Rate | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 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 deposit size. Higher premiums may qualify for enhanced rates. Guarantees rely on the insurer’s claims-paying ability.
💡 Note: The calculator accepts premiums up to $2,000,000. If you’re investing more, results increase in direct proportion — for example, doubling your premium roughly doubles the guaranteed income at the same age and options.
Liquidity, Penalties, and Exchanges
Most MYGAs allow annual penalty-free withdrawals (often 10%) after year one; exceeding that can trigger surrender charges or an MVA. If you’re moving funds, you can use a direct rollover (qualified plans) or a tax-free transfer to an annuity for IRAs. For legacy planning, see annuity death benefits and spousal continuation. We can also compare whether a bonus annuity makes sense for your situation.
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FAQs: Highest Guaranteed Annuity Rates
What does “guaranteed annuity rate” mean?
It’s the fixed interest rate locked in for a set period—usually 1 to 10 years—on a Multi-Year Guaranteed Annuity (MYGA). Your earnings and principal are guaranteed by the issuing insurer.
How are guaranteed annuity rates determined?
Rates reflect current bond yields, carrier portfolio performance, and term length. Longer terms generally pay higher guaranteed rates.
Are these rates locked for the entire term?
Yes. Once your contract starts, the rate is guaranteed for the full term—your return won’t change regardless of market conditions.
Can I access my money before maturity?
Most contracts allow 10% free withdrawals each year after the first contract year. Larger withdrawals may trigger surrender charges or market value adjustments.
Do guaranteed annuities charge fees?
No ongoing management fees apply. The rate you see is the rate you earn—guaranteed by contract.
Can I hold a guaranteed annuity in an IRA?
Yes. Guaranteed annuities can fund Traditional or Roth IRAs through a tax-free transfer or rollover, maintaining all IRA benefits.
What happens when the term ends?
At maturity, you can renew, roll over into another annuity, or withdraw funds without penalty. Many clients ladder annuities to keep funds accessible over time.
Are annuities safer than market investments?
Fixed annuities are not subject to market losses. They’re backed by the insurer’s claims-paying ability and regulated by state insurance departments.
What’s the minimum investment amount?
Most carriers start around $10,000–$25,000, while premium tiers of $100,000 or more may qualify for slightly higher rates.
Can I use a 1035 exchange to move funds?
Yes, you can perform a tax-free 1035 exchange from an existing annuity to a new one offering a higher guaranteed rate.
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.
