• Written by
    Lindsey Crossmier

    Lindsey Crossmier

    Financial Writer

    Lindsey Crossmier is an accomplished writer with experience working for The Florida Review and Bookstar PR. As a financial writer, she covers Medicare, life insurance and dental insurance topics for RetireGuide. Research-based data drives her work.

    Read More
  • Edited By
    Lamia Chowdhury
    Lamia Chowdhury, editor for RetireGuide.com

    Lamia Chowdhury

    Financial Editor

    Lamia Chowdhury is a financial content editor for RetireGuide and has over three years of marketing experience in the finance industry. She has written copy for both digital and print pieces ranging from blogs, radio scripts and search ads to billboards, brochures, mailers and more.

    Read More
  • Financially Reviewed By
    Brandon Renfro, Ph.D., CFP®, RICP®, EA
    Brandon Renfro, RetireGuide Reviewer

    Brandon Renfro, Ph.D., CFP®, RICP®, EA

    Retirement and Social Security Expert

    Brandon Renfro is a Retirement and Social Security Expert and financial planner. He focuses on helping clients create a secure financial future in retirement and co-owns Belonging Wealth Management. He is also a former finance professor and writes for several publications.

    Read More
  • Published: June 3, 2020
  • Updated: October 31, 2023
  • 6 min read time
  • This page features 4 Cited Research Articles
Fact Checked
Fact Checked

A qualified expert reviewed the content on this page to ensure it is factually accurate, meets current industry standards and helps readers achieve a better understanding of retirement topics.

Cite Us
How to Cite RetireGuide.com's Article

APA Crossmier, L. (2023, October 31). Best Fixed Annuity Rates for November 2023. RetireGuide.com. Retrieved February 24, 2024, from https://www.retireguide.com/annuities/rates/

MLA Crossmier, Lindsey. "Best Fixed Annuity Rates for November 2023." RetireGuide.com, 31 Oct 2023, https://www.retireguide.com/annuities/rates/.

Chicago Crossmier, Lindsey. "Best Fixed Annuity Rates for November 2023." RetireGuide.com. Last modified October 31, 2023. https://www.retireguide.com/annuities/rates/.

Why Trust RetireGuide.com
Why You Can Trust Us

Content created by RetireGuide and sponsored by our partners.

Key Principles

RetireGuide’s mission is to provide seniors with resources that will help them reach important financial decisions that affect their retirement. Our goal is to arm our readers with knowledge that will lead to a healthy and financially sound retirement.

We’re dedicated to providing thoroughly researched annuity information that guides you toward making the best possible financial decisions for you and your family.

We partner with Senior Market Sales (SMS), a leader in the insurance industry with over 30 years of experience and a network of 66,000 independently licensed agents across the United States.

Our partnership with SMS (and Insuractive, the company’s consumer-facing branch) allows us to deliver expertly researched and reviewed content at no cost or obligation to all of our visitors. It also gives our visitors the opportunity to take the next step in their financial journey by requesting help from our partner through the phone numbers or forms provided on our website.

If a visitor chooses to inquire about an annuity or other financial product through SMS as a result of our research and accurate information, RetireGuide may receive compensation for connecting the visitor with SMS. The revenue we earn for helping visitors get the help they’re seeking makes RetireGuide stronger for our audiences.

The content and tools created by RetireGuide adhere to strict editorial guidelines to ensure quality and transparency.

Editorial Independence

While the experts from SMS are available to help you navigate various annuity options, RetireGuide retains complete editorial control over the information it publishes.

We operate independently from SMS, which allows the award-winning RetireGuide team to provide you with unbiased information.

Visitors can trust our inflexibility regarding our editorial autonomy. We do not allow our partnership to influence RetireGuide’s editorial content whatsoever.
Key Takeaways
  • Annuity rates fluctuate weekly, and multi-year guaranteed annuities change daily. Choose how you want to receive payments and when, then you can get a general idea of a good interest rate range.
  • It's equally important to consider the company selling the annuity as it is the rate of the annuity. A high-interest rate won't matter if that company becomes insolvent.
  • In addition to rates, you should consider potential fees, inflation and investment protection when considering an annuity.

Best Annuity Rates This Week

Multi-year guaranteed annuities, also known as MYGAs, are a fixed annuity that locks in a stable interest rate for a specified time period. Surrender periods usually last three to 10 years.

Because MYGA rates change daily, RetireGuide and its partners update the following tables below frequently. It’s important to check back for the most recent information.

Below are examples of the best annuity rates as of November 2023.

2-Year Annuity Rates

Product Name Rate AM Best Rating Apply
CL Sundance 2-Year 5.25% B++ Details
Product Name Rate AM Best Rating Apply
Aspida Advisory MYGA 5.05% A- Details
Product Name Rate AM Best Rating Apply
Asset Guard 5.00% A- Details
Product Name Rate AM Best Rating Apply
Premier Voyage 5.00% A++ Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 4.85% A- Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 4.80% A- Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 4.75% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA Plus 4.65% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA 4.60% A- Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.90% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.84% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.80% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.15% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.09% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 3.05% B+ Details
Product Name Rate AM Best Rating Apply
Secure Savings 2.60% B+ Details
View all 16

3-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Aspida Advisory MYGA 5.90% A- Details
Product Name Rate AM Best Rating Apply
MYGA 5.75% B++ Details
Product Name Rate AM Best Rating Apply
CL Sundance 3-Year 5.70% B++ Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.55% A- Details
Product Name Rate AM Best Rating Apply
Safeguard Plus 5.50% B++ Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.45% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA 5.40% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA Plus 5.40% A- Details
Product Name Rate AM Best Rating Apply
Oak ADVantage 5.40% A+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 5.40% B+ Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.35% A- Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 5.34% B+ Details
Product Name Rate AM Best Rating Apply
Apex MYGA 5.30% A- Details
Product Name Rate AM Best Rating Apply
Freedom Elevate 3 5.30% A++ Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.30% A- Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 5.30% B+ Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.25% A Details
Product Name Rate AM Best Rating Apply
MaxRate 3 5.25% A Details
Product Name Rate AM Best Rating Apply
MaxRate 3 5.25% A Details
Product Name Rate AM Best Rating Apply
Pinnacle Plus MYGA 5.25% A- Details
Product Name Rate AM Best Rating Apply
Certainty Select 5.25% B++ Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.25% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.20% A Details
Product Name Rate AM Best Rating Apply
SecureFore 3 5.20% A Details
Product Name Rate AM Best Rating Apply
Premier Voyage 5.20% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice 1 - Base Benefits 5.20% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.15% A Details
Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 5.15% A- Details
Product Name Rate AM Best Rating Apply
Stable Voyage 5.15% A++ Details
Product Name Rate AM Best Rating Apply
Multi Select 5.15% A Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 5.15% A- Details
Product Name Rate AM Best Rating Apply
SmartSelect 5.15% A+ Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with MVA 5.10% A Details
Product Name Rate AM Best Rating Apply
Select Choice 3 - Base Benefits Plus PFW 5.10% A- Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 5.05% A- Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 5.05% A- Details
Product Name Rate AM Best Rating Apply
American Freedom Aspire 3 5.05% A++ Details
Product Name Rate AM Best Rating Apply
LiveWell Guarantee Max 5.05% A+ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 5.05% A- Details
Product Name Rate AM Best Rating Apply
Asset Guard 5.00% A- Details
Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 3 5.00% A+ Details
Product Name Rate AM Best Rating Apply
Secure Term MVA II 5.00% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term MVA III 5.00% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice 1 - Base Benefits 5.00% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 5.00% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG NY 4.95% A Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity 4.95% A Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.95% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Choice III 4.95% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.95% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV - FP Series 4.90% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice 3 - Base Benefits Plus PFW 4.90% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 4.90% A- Details
Product Name Rate AM Best Rating Apply
MCA No FPW 4.90% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 4.90% A Details
Product Name Rate AM Best Rating Apply
SmartSelect 4.90% A+ Details
Product Name Rate AM Best Rating Apply
SecureOption Choice 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Expedition II 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Expedition II 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Mariner 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Mariner 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.85% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 4.85% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 4.85% A Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with ROP 4.80% A Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.80% A++ Details
Product Name Rate AM Best Rating Apply
Focused Growth Annuity 4.80% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.80% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.80% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 4.80% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 4.80% A Details
Product Name Rate AM Best Rating Apply
SecureOption Choice 4.75% A+ Details
Product Name Rate AM Best Rating Apply
Select Max 4.75% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 4.75% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 4.75% A Details
Product Name Rate AM Best Rating Apply
Athene MYG NY 4.70% A Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.70% A++ Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.70% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 4.70% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.70% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.70% A Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® Non-MVA 4.65% A- Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.60% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.60% A Details
Product Name Rate AM Best Rating Apply
GuaranteeShield 4.50% A- Details
Product Name Rate AM Best Rating Apply
Select Pro 4.45% A Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 4.40% B+ Details
Product Name Rate AM Best Rating Apply
Jackson RateProtector 4.35% A Details
Product Name Rate AM Best Rating Apply
Jackson RateProtector 4.35% A Details
Product Name Rate AM Best Rating Apply
Select 3 4.35% A Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 4.34% B+ Details
Product Name Rate AM Best Rating Apply
MaxRate 3 4.30% A Details
Product Name Rate AM Best Rating Apply
Eagle Guarantee Focus Series 4.30% A- Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 4.30% B+ Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 4.25% A- Details
Product Name Rate AM Best Rating Apply
Performance SPDA 4.25% A- Details
Product Name Rate AM Best Rating Apply
Select 3 4.20% A Details
Product Name Rate AM Best Rating Apply
Select Pro 4.10% A Details
Product Name Rate AM Best Rating Apply
Performance SPDA 4.10% A- Details
Product Name Rate AM Best Rating Apply
Select Choice 2 - Base Benefits Plus ROP 4.05% A- Details
Product Name Rate AM Best Rating Apply
Platinum Edge 4.00% A+ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 2 - Base Benefits Plus ROP 4.00% A- Details
Product Name Rate AM Best Rating Apply
Select 3 4.00% A Details
Product Name Rate AM Best Rating Apply
Select Choice 4 - Base Benefits Plus ROP and PFW 3.95% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 4 - Base Benefits Plus ROP and PFW 3.90% A- Details
Product Name Rate AM Best Rating Apply
Select Choice 2 - Base Benefits Plus ROP 3.85% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 2 - Base Benefits Plus ROP 3.85% A- Details
Product Name Rate AM Best Rating Apply
Select 3 3.85% A Details
Product Name Rate AM Best Rating Apply
Select Choice 4 - Base Benefits Plus ROP and PFW 3.75% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 4 - Base Benefits Plus ROP and PFW 3.75% A- Details
Product Name Rate AM Best Rating Apply
Secure Savings 3.15% B+ Details
View all 111

4-Year Annuity Rates

Product Name Rate AM Best Rating Apply
MYGA 5.70% B++ Details
Product Name Rate AM Best Rating Apply
First Choice 4 5.35% A Details
Product Name Rate AM Best Rating Apply
Simple Annuity 5.35% B++ Details
Product Name Rate AM Best Rating Apply
Multi Select 5.35% A Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.30% A- Details
Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 5.25% A Details
Product Name Rate AM Best Rating Apply
Asset Guard 5.25% A- Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.25% A- Details
Product Name Rate AM Best Rating Apply
Premier Voyage 5.15% A++ Details
Product Name Rate AM Best Rating Apply
Stable Voyage 5.10% A++ Details
Product Name Rate AM Best Rating Apply
First Choice 4 5.00% A Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 5.00% A- Details
Product Name Rate AM Best Rating Apply
SmartSelect 4.95% A+ Details
Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.90% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 4.90% A- Details
Product Name Rate AM Best Rating Apply
American Pathway Fixed 4 Annuity 4.85% A Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.85% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.85% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 4.85% A- Details
Product Name Rate AM Best Rating Apply
SmartSelect 4.80% A+ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV - FP Series 4.75% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 4.75% A- Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.70% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.60% A++ Details
Product Name Rate AM Best Rating Apply
Platinum Edge 4.45% A+ Details
Product Name Rate AM Best Rating Apply
MultiVantage 4.40% A+ Details
Product Name Rate AM Best Rating Apply
MultiVantage 4.40% A+ Details
Product Name Rate AM Best Rating Apply
MultiVantage 4.40% A+ Details
Product Name Rate AM Best Rating Apply
Smart Saver NY 4.00% A+ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 2 - Base Benefits Plus ROP 3.85% A- Details
Product Name Rate AM Best Rating Apply
Access SPDA 3.85% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 4 - Base Benefits Plus ROP and PFW 3.75% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 2 - Base Benefits Plus ROP 3.70% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 4 - Base Benefits Plus ROP and PFW 3.60% A- Details
View all 34

5-Year Annuity Rates

Product Name Rate AM Best Rating Apply
Aspida Advisory MYGA 5.95% A- Details
Product Name Rate AM Best Rating Apply
MYGA 5.70% B++ Details
Product Name Rate AM Best Rating Apply
Safeguard Plus 5.65% B++ Details
Product Name Rate AM Best Rating Apply
Apex MYGA 5.60% A- Details
Product Name Rate AM Best Rating Apply
MYAnnuity 5X - No Free Withdrawal 5.60% B++ Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.55% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA Plus 5.55% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.55% A Details
Product Name Rate AM Best Rating Apply
CL Sundance 5-Year 5.55% B++ Details
Product Name Rate AM Best Rating Apply
Pinnacle Plus MYGA 5.55% A- Details
Product Name Rate AM Best Rating Apply
Select Choice 1 - Base Benefits 5.55% A- Details
Product Name Rate AM Best Rating Apply
WealthLock MYGA 5.50% A- Details
Product Name Rate AM Best Rating Apply
MaxRate 5 5.50% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.50% A Details
Product Name Rate AM Best Rating Apply
Optimum 5 Selection 5.50% A Details
Product Name Rate AM Best Rating Apply
Certainty Select 5.50% B++ Details
Product Name Rate AM Best Rating Apply
FG Guarantee-Platinum 5.50% A- Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.50% A- Details
Product Name Rate AM Best Rating Apply
Lincoln Select 5.50% A Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.45% A- Details
Product Name Rate AM Best Rating Apply
MaxRate 5 5.45% A Details
Product Name Rate AM Best Rating Apply
SecureFore 5 5.45% A Details
Product Name Rate AM Best Rating Apply
Select Choice 3 - Base Benefits Plus PFW 5.45% A- Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 5.45% A- Details
Product Name Rate AM Best Rating Apply
Milestone MYGA 5.45% A- Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with MVA 5.40% A Details
Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 5.40% A Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® 5.40% A- Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® MVA 5.40% A- Details
Product Name Rate AM Best Rating Apply
MYAnnuity 5X 5.40% B++ Details
Product Name Rate AM Best Rating Apply
MyGuarantee Plus 5.40% A Details
Product Name Rate AM Best Rating Apply
Synergy Choice MYGA 5.35% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.35% A Details
Product Name Rate AM Best Rating Apply
Eleos MVA 5.35% A++ Details
Product Name Rate AM Best Rating Apply
Reliance Guarantee 5.35% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 5.35% A- Details
Product Name Rate AM Best Rating Apply
Select Max 5.35% A Details
Product Name Rate AM Best Rating Apply
Athene MYG 5.30% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.30% A Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 1 - Base Benefits 5.30% A- Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.25% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.25% A Details
Product Name Rate AM Best Rating Apply
Asset Guard 5.25% A- Details
Product Name Rate AM Best Rating Apply
Multi Select 5.25% A Details
Product Name Rate AM Best Rating Apply
Expedition II 5.25% A+ Details
Product Name Rate AM Best Rating Apply
Expedition II 5.25% A+ Details
Product Name Rate AM Best Rating Apply
Mariner 5.25% A+ Details
Product Name Rate AM Best Rating Apply
Mariner 5.25% A+ Details
Product Name Rate AM Best Rating Apply
Advantage 5 Advisory 5.20% A++ Details
Product Name Rate AM Best Rating Apply
Oak ADVantage 5.20% A+ Details
Product Name Rate AM Best Rating Apply
Eleos SP 5.20% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice Plus 3 - Base Benefits Plus PFW 5.20% A- Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity 5.15% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.15% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.15% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 5.15% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 5.15% A Details
Product Name Rate AM Best Rating Apply
Performance SPDA 5.15% A- Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.10% A Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.10% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.10% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.10% A+ Details
Product Name Rate AM Best Rating Apply
Focused Growth Annuity 5.10% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 5.10% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 5.10% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 5.10% A Details
Product Name Rate AM Best Rating Apply
MCA No FPW 5.10% A Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® Non-MVA 5.05% A- Details
Product Name Rate AM Best Rating Apply
American Freedom Classic 5 5.05% A++ Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.05% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.05% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 5.05% A+ Details
Product Name Rate AM Best Rating Apply
Select Choice 1 - Base Benefits 5.05% A- Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 5.05% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 5.05% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 5.05% A Details
Product Name Rate AM Best Rating Apply
MCA Int Credited 5.05% A Details
Product Name Rate AM Best Rating Apply
Athene MYG NY 5.00% A Details
Product Name Rate AM Best Rating Apply
Brighthouse Fixed Rate Annuity with ROP 5.00% A Details
Product Name Rate AM Best Rating Apply
First Choice 5 5.00% A Details
Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 5.00% A- Details
Product Name Rate AM Best Rating Apply
Premier Voyage 5.00% A++ Details
Product Name Rate AM Best Rating Apply
SecureOption Choice 5.00% A+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 5.00% B+ Details
Product Name Rate AM Best Rating Apply
Focused Growth Annuity 5.00% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 5.00% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW 5.00% A Details
Product Name Rate AM Best Rating Apply
Performance SPDA 5.00% A- Details
Product Name Rate AM Best Rating Apply
Stable Voyage 4.95% A++ Details
Product Name Rate AM Best Rating Apply
Select Choice 3 - Base Benefits Plus PFW 4.95% A- Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.95% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.95% A Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 4.94% B+ Details
Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Plus 4.90% A Details
Product Name Rate AM Best Rating Apply
SecureOption Choice 4.90% A+ Details
Product Name Rate AM Best Rating Apply
MYAnnuity 5X - No Free Withdrawal 4.90% B++ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.90% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.90% A+ Details
Product Name Rate AM Best Rating Apply
Secure Savings Elite 4.90% B+ Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.90% A Details
Product Name Rate AM Best Rating Apply
MCA 10% FPW & ROP 4.90% A Details
Product Name Rate AM Best Rating Apply
SecureGain 5 4.85% A++ Details
Product Name Rate AM Best Rating Apply
LiveWell Guarantee Max 4.85% A+ Details
Product Name Rate AM Best Rating Apply
MNL Guarantee Pro 5 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.85% A+ Details
Product Name Rate AM Best Rating Apply
SmartSelect 4.85% A+ Details
Product Name Rate AM Best Rating Apply
Flex Guard Preferred 5 Annuity 4.80% A- Details
Product Name Rate AM Best Rating Apply
Secure Term MVA II 4.80% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term MVA III 4.80% A++ Details
Product Name Rate AM Best Rating Apply
SmartSelect 4.80% A+ Details
Product Name Rate AM Best Rating Apply
Secure Saver Pro 4.75% A+ Details
Product Name Rate AM Best Rating Apply
GuaranteeShield 4.75% A- Details
Product Name Rate AM Best Rating Apply
Athene MYG NY 4.75% A Details
Product Name Rate AM Best Rating Apply
Stars and Stripes 5 4.75% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.75% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Choice III 4.75% A++ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity V 4.75% A++ Details
Product Name Rate AM Best Rating Apply
Select Pro 4.75% A Details
Product Name Rate AM Best Rating Apply
MaxRate 5 4.70% A Details
Product Name Rate AM Best Rating Apply
F&G Secure MYGA® ROP 4.70% A- Details
Product Name Rate AM Best Rating Apply
MYAnnuity 5X 4.70% B++ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.70% A+ Details
Product Name Rate AM Best Rating Apply
Secure Growth 4.70% A+ Details
Product Name Rate AM Best Rating Apply
Secure Term Fixed Annuity IV - FP Series 4.65% A++ Details
Product Name Rate AM Best Rating Apply
Select 5 4.65% A Details
Product Name Rate AM Best Rating Apply
SecureSaver 4.60% A+ Details
Product Name Rate AM Best Rating Apply
American Pathway Fixed 5 Annuity 4.60% A Details
Product Name Rate AM Best Rating Apply
Eagle Guarantee Focus Series 4.60% A- Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.60% A++ Details
Product Name Rate AM Best Rating Apply
Optimum 5 Selection 4.55% A Details
Product Name Rate AM Best Rating Apply
SecureGain 5 4.55% A++ Details
Product Name Rate AM Best Rating Apply
Custom 5 4.55% A Details
Product Name Rate AM Best Rating Apply
American Freedom Aspire 5 4.50% A++ Details
Product Name Rate AM Best Rating Apply
Freedom Elevate 5 4.50% A++ Details
Product Name Rate AM Best Rating Apply
Stars and Stripes 5 4.50% A++ Details
Product Name Rate AM Best Rating Apply
Platinum Edge 4.50% A+ Details
Product Name Rate AM Best Rating Apply
Secure Term Choice II 4.50% A++ Details
Product Name Rate AM Best Rating Apply
Select 5 4.50% A Details
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Understanding Annuity Rates

Current annuity rates can mirror long-term bond interest rates. When bond rates increase, annuity rates also tend to rise. That’s because insurance companies invest most of their client’s capital in fixed income securities, such as conservative bonds.

The Federal Reserve predicts interest rates as high as 5.6% before the end of 2023, which could keep annuity rates on the higher end.

Olivia S. Mitchell of the Wharton School of the University of Pennsylvania offered RetireGuide her expert take on annuity rates. When asked if she predicts whether annuity rates will continue to rise in 2023, Mitchell told RetireGuide “Probably so, since it appears that the Federal Reserve will keep raising rates, seeking to squelch inflation.”

Interest Rate Predictions
  • 2023
    5.6%
  • 2024
    4.6%
  • 2025
    3.4%

These interest rate predictions, which can correlate with annuity rates, suggest that 2023 could be a good time to purchase an annuity with higher-than-average rates.

Remember that the best annuity rates today may be different tomorrow. It’s important to check with insurance companies to confirm their specific rates.

Several factors determine the rate you’ll receive on an annuity. Annuity rates tend to be higher when the general level of all interest rates are higher.
The Best Annuity Companies and Providers of 2023

Comparing Annuity Rates

When comparing annuity rates, it’s important to conduct your own research and not solely pick an annuity simply for its high rate.

Annuities can be complex, each with their own benefits and risks that affect their rates.

Things To Remember When Comparing Annuity Rates:
Consider the type of annuity.
Each annuity type has a different range of average interest rates. For example, a 4-year fixed annuity could have a higher rate than a 10-year multi-year guaranteed annuity (MYGA).
Only compare annuity rates from financially strong insurance companies.
Annuities are not backed by the FDIC like other financial products. If that company goes broke or bust, you could lose money. However, it is important to note that most annuities are covered by state guaranty associations. Check a company’s financial strength by consulting nationally recognized impartial rating agencies, like AM Best. Most experts recommend only considering insurers with a rating of A- or above for long-term annuities.
Remember that your age and health affect your annuity rate.
Annuity income rises with the age of the purchaser because the income will be paid out in fewer years, according to the Social Security Administration. Don’t be surprised if your rate is higher or lower than someone else’s, even if it’s the same annuity type.
Interested in Buying an Annuity?
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What Determines the Average Return on Annuities?

The average return on annuities varies based on several factors, including whether they are fixed annuities, variable annuities or equity-indexed annuities.

Average Return Factors Based on Annuity Type
Fixed Annuity
For fixed annuities, the average return depends on the annuity’s term. Typically, the longer the term, the higher the rate of return.
Variable Annuity
The return on a variable annuity depends on the performance of the investment options you choose, and it may be similar to the rates you’d see with an index fund. The average return for a variable annuity fluctuates depending on how your investments perform. As of August 2023, New York Life’s variable annuities’ return rates hover around 6% to 8%.
Fixed-Indexed Annuity
Fixed-indexed annuities, also known as equity-indexed annuities, provide benefits of both fixed and variable annuities. They’re tied to the performance of a specific index — such as the S&P 500 or Dow Jones Industrial Average. The average return can be higher than the average fixed annuity return. However, equity-indexed annuities also provide a guaranteed minimum return even if the stock market falters. Unlike a variable annuity, you don’t get the full effect of a stock market boom. The maximum return is also capped at a certain percentage. This helps pay for the guaranteed return during downturns.
Josh Curtis | 0:50 What would a 10-year annuity look like?
What would a 10-year annuity look like? - Featuring Josh Curtis
Our financial experts will help you find an annuity tailored to your needs.
Replay Video
Learn more about the structure of a 10-year annuity from Josh Curtis, founder and lead investment advisor of Clarity Financial LLC.

Other Considerations Beyond Annuity Rates

Annuity rates are just one factor to consider when buying an annuity. Ideally, you want to look for a high rate but also for a low minimum investment amount, low fees and an annuity that’s backed by a company with a history of financial stability.

What To Consider in Addition to Annuity Rates
Fees
Understand the fees you’ll have to pay for administering your annuity and if you cash it out. These costs can hit you all at once if you cash out — up to 10% of the value of your annuity, according to the Wisconsin Office of the Commissioner of Insurance. Or they can add up over time in the case of administrative fees. Make sure you calculate the cost as part of your overall return.
Inflation
Inflation can eat up your annuity’s value over time. You could consider an inflation-adjusted annuity that boosts the payouts over time. Understand, though, that it will significantly reduce your initial payouts. This means less money early in retirement but more as you age.
Protection
Unlike savings accounts, annuities are not insured by the federal government. However, your payouts are protected by your state’s guaranty association. The amount that’s guaranteed varies from state to state. The National Organization of Life & Health Insurance Guaranty Associations can help you find out how protected your investment is. Also, research the financial stability and history of an insurer before buying your annuity.
Beat the Bank With Fixed Annuity Rates As High As 6%
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Frequently Asked Questions About Annuity Rates

Can I get out of my annuity if my interest rates decrease?
In most cases, no, you cannot surrender your annuity if your interest rate decreases. However, there may be rare exceptions. Contact your insurer and review your contract to confirm your annuity’s rules.
Who sets annuity rates?
Insurance companies oversee setting and updating annuity rates.
Should you buy an annuity when interest rates are high or low?
It could be in your best interest to buy an annuity when interest rates are high. Annuity rates are known to be higher when interest rates are up.
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Last Modified: October 31, 2023

4 Cited Research Articles

  1. U.S. Securities and Exchange Commission. (2023). Annuities. Retrieved from https://www.investor.gov/introduction-investing/investing-basics/glossary/annuities
  2. New York Life. (2023). Variable Annuities. Retrieved from https://www.nylannuities.com/new-york-life-annuities/variable-annuities/#rates
  3. Wisconsin Office of the Commissioner of Insurance. (2018, February). Consumer’s Guide to Understanding Annuities. Retrieved from https://oci.wi.gov/Documents/Consumers/PI-214.pdf
  4. Social Security Administration. (2017, May 1). Social Security Retirement Benefits and Private Annuities: A Comparative Analysis. Retrieved from https://www.ssa.gov/policy/docs/issuepapers/ip2017-01.html