What are Today’s Best Annuity Rates
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What are today’s best annuity rates? Below you’ll find a clean snapshot of competitive MYGA (Multi-Year Guaranteed Annuity) yields from 1 to 10 years, plus simple steps to lock a rate and design a ladder for liquidity. Rates move—use this page as a benchmark, then request a live quote for your state and deposit size.
🖊️ Check Today’s Live Annuity Rates
We’ll verify current yields, state approvals, and any rate-lock windows available to you.
Why These Rates Matter
- Guaranteed interest: MYGAs lock a fixed rate for the entire term.
- Principal protection: Your deposit isn’t exposed to market loss.
- Tax deferral: Interest compounds tax-deferred until you withdraw.
- Built-in access: Many contracts include annual penalty-free withdrawals or RMD waivers.
Today’s Benchmark MYGA Rates (1–10 Year Terms)
Click any Rate to request a personalized quote. Carrier availability and yields vary by state, age, and premium band.
| Term | Rate | Provider | Product | AM Best |
|---|---|---|---|---|
| 1 Year | 4.15% | GCU Life | 1+4 Choice | A- |
| 2 Years | 5.50% | Axonic Life | Skyline MYGA | A- |
| 3 Years | 5.85% | Wichita National | Security 3 MYGA | B+ |
| 4 Years | 5.20% | Americo | Platinum Assure | A |
| 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 | 5.40% | EquiTrust | Certainty Select | B++ |
| 9 Years | 5.35% | Clear Spring Life | Preserve MYGA | A- |
| 10 Years | 6.05% | Wichita National | Security MYGA | B+ |
Illustrative benchmarks. Your actual offer may differ based on state, age, premium band, options (e.g., MVA), and effective date.
How to Capture a Top Rate
- Verify & lock: Submit your request to confirm state availability and lock today’s rate during processing.
- Check access rules: Ask about free-withdrawal allowances and RMD waivers so your liquidity matches your plan.
- Consider a ladder: Split deposits across multiple terms (e.g., 3/5/7/10) to smooth reinvestment risk and keep cash flows flexible.
Next Steps
If you like today’s yields, we’ll pull live quotes for your profile, confirm carrier strength, and prepare side-by-side comparisons. Want to explore alternatives? Review our current bonus annuity rates for upfront-credit designs.
Get Today’s Best Rate for Your State
We’ll confirm availability, rate-lock timing, and the highest yield you qualify for.
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FAQs: What Are Today’s Best Annuity Rates
Why are some rates higher than others today?
Higher rates often come from longer terms, less liquid products, or carriers with lower ratings. Balancing yield and strength is key.
How long does a “today’s” rate last?
Rates can change quickly based on market conditions and deposit flows. Once funded and issued, the rate is locked for the term.
Can I lock today’s rate while paperwork is pending?
Many carriers offer a rate-lock window, often 30-60 days, after your application or funds are submitted. Ask your agent for the exact lock policy.
What if I need the money earlier?
Review free-withdrawal allowances and surrender-charge schedules. If you may need access, shorter term or laddering may be smarter.
