Top Annuity Rates as of Today
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Top annuity rates as of today—all in one place. Below you’ll find a clean snapshot of competitive fixed annuity and MYGA (Multi-Year Guaranteed Annuity) yields across the most common terms, plus quick tools to lock in your rate and benchmark guaranteed income.
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Why These Rates Matter
Fixed annuities and MYGAs guarantee your interest rate for the full term while protecting principal. When evaluating “top” rates, also consider:
- Term & liquidity: Longer terms may pay more but restrict access. Review surrender schedules and free-withdrawal rules.
- Carrier strength: Balance yield with insurer quality and your comfort level.
- State & premium tiers: Rates can vary by location and deposit size.
- Features: Market Value Adjustment (MVA), RMD waivers, and renewal rules affect real-world flexibility.
💰 Top Annuity Rates by Term (1–10 Years)
The table shows representative top yields by term. Rates 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 | 5.25% | CL Life | CL Sundance | 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 change frequently and may vary by state, age, and premium band. Larger deposits can qualify for tiered rates.
Quick Planning Tips
- Ladder terms: Split funds across 3/5/10 years to blend yield and liquidity.
- Mind RMDs: Many contracts waive charges on IRA RMDs—confirm before purchase.
- Renewal strategy: Know your maturity window and renewal choices ahead of time.
Next Steps
We’ll verify live rates, eligibility, and liquidity features (including any MVA or rider details) and build a side-by-side comparison. Want to see current bonus annuity rates too? We can include those.
Lock in a Top Rate Today
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FAQs: Top Annuity Rates as of Today
How often do top MYGA rates change?
Carriers update frequently—weekly in some cases. Always confirm a live quote before funding.
Can I hold a rate while moving funds?
Many carriers offer a short rate-lock window once your application is received. The lock length varies.
Why might the “top” rate not be my best fit?
Liquidity, MVA rules, state availability, and carrier strength can make a slightly lower rate the smarter overall choice.
Are these rates CD-like?
Yes in spirit—guaranteed for the term—but annuities are backed by the insurer (not FDIC) and offer tax-deferred growth.
What happens at maturity?
Renew, transfer, or withdraw during a penalty-free window. We’ll outline options well before your term ends.
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.
