Best Fixed Annuity Rates for September 2023
An annuity rate is the percentage an annuity grows each year. Annuity rates can fluctuate from company to company on a regular basis and are often tied to current interest rates. Some of the highest annuity rates belong to top-rated insurance companies, although there is not always a direct relationship.
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- 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
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, 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: September 8, 2023
- 7 min read time
- This page features 4 Cited Research Articles
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 September 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 Asset Guard 5.00% A- Details Product Name Rate AM Best Rating Apply Aspida Advisory MYGA 4.85% A- Details Product Name Rate AM Best Rating Apply Synergy Choice MYGA 4.65% A- Details Product Name Rate AM Best Rating Apply Synergy Choice MYGA 4.60% A- Details Product Name Rate AM Best Rating Apply Synergy Choice MYGA 4.55% A- Details Product Name Rate AM Best Rating Apply WealthLock MYGA Plus 4.45% A- Details Product Name Rate AM Best Rating Apply WealthLock MYGA 4.30% 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 3-Year Annuity Rates
Product Name Rate AM Best Rating Apply Aspida Advisory MYGA 5.70% A- Details Product Name Rate AM Best Rating Apply CL Sundance 3-Year 5.70% B++ Details Product Name Rate AM Best Rating Apply MYGA 5.60% B++ Details Product Name Rate AM Best Rating Apply Safeguard Plus 5.50% B++ 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 Freedom Elevate 3 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 Synergy Choice 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 WealthLock MYGA Plus 5.20% A- Details Product Name Rate AM Best Rating Apply Apex MYGA 5.20% A- Details Product Name Rate AM Best Rating Apply Pinnacle Plus MYGA 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 Synergy Choice MYGA 5.15% 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 Select Choice Plus 1 - Base Benefits 5.15% A- Details Product Name Rate AM Best Rating Apply Milestone MYGA 5.15% A- Details Product Name Rate AM Best Rating Apply WealthLock MYGA 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 Milestone MYGA 5.10% A- Details Product Name Rate AM Best Rating Apply MaxRate 3 5.05% A Details Product Name Rate AM Best Rating Apply MaxRate 3 5.05% 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 Brighthouse Fixed Rate Annuity with MVA 5.00% A Details Product Name Rate AM Best Rating Apply Asset Guard 5.00% A- Details Product Name Rate AM Best Rating Apply SecureFore 3 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 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 Select Max 5.00% A Details Product Name Rate AM Best Rating Apply SmartSelect 5.00% A+ Details Product Name Rate AM Best Rating Apply Athene MYG 4.90% A Details Product Name Rate AM Best Rating Apply Stable Voyage 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 Brighthouse Fixed Rate Annuity 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 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 SmartSelect 4.80% A+ Details Product Name Rate AM Best Rating Apply Secure Term MVA II 4.75% A++ Details Product Name Rate AM Best Rating Apply Secure Term MVA III 4.75% A++ Details Product Name Rate AM Best Rating Apply Expedition II 4.75% A+ Details Product Name Rate AM Best Rating Apply Expedition II 4.75% A+ Details Product Name Rate AM Best Rating Apply Mariner 4.75% A+ Details Product Name Rate AM Best Rating Apply Mariner 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 Brighthouse Fixed Rate Annuity with ROP 4.70% A Details Product Name Rate AM Best Rating Apply SecureOption Choice 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 Secure Term Choice III 4.70% A++ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity V 4.70% A++ Details Product Name Rate AM Best Rating Apply Select Pro 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 SecureOption Choice 4.60% A+ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity IV - FP Series 4.60% A++ Details Product Name Rate AM Best Rating Apply Select 3 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 MCA 10% FPW & ROP 4.60% A Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.55% A++ Details Product Name Rate AM Best Rating Apply GuaranteeShield 4.50% A- Details Product Name Rate AM Best Rating Apply Athene MYG 4.50% A Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.45% A++ Details Product Name Rate AM Best Rating Apply Select 3 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 Pro 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 Athene MYG NY 4.30% A 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 Select 3 4.25% A Details Product Name Rate AM Best Rating Apply Performance SPDA 4.25% A- Details Product Name Rate AM Best Rating Apply Athene MYG NY 4.10% A Details Product Name Rate AM Best Rating Apply Select 3 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 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 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 4-Year Annuity Rates
Product Name Rate AM Best Rating Apply MYGA 5.60% 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 Milestone MYGA 5.15% A- Details Product Name Rate AM Best Rating Apply American Pathway Fixed 4 Annuity 5.10% A Details Product Name Rate AM Best Rating Apply Milestone MYGA 5.10% A- Details Product Name Rate AM Best Rating Apply Asset Guard 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 First Choice 4 4.95% 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 Select Choice Plus 1 - Base Benefits 4.85% A- Details Product Name Rate AM Best Rating Apply SmartSelect 4.85% A+ Details Product Name Rate AM Best Rating Apply Stable Voyage 4.80% A++ Details Product Name Rate AM Best Rating Apply Secure Term MVA II 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 Fixed Annuity V 4.70% A++ Details Product Name Rate AM Best Rating Apply SmartSelect 4.70% A+ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity IV - FP Series 4.60% A++ Details Product Name Rate AM Best Rating Apply American Pathway Fixed 4 Annuity 4.55% A Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.55% A++ Details Product Name Rate AM Best Rating Apply Platinum Edge 4.45% A+ Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.45% A++ Details Product Name Rate AM Best Rating Apply MultiVantage 4.25% A+ Details Product Name Rate AM Best Rating Apply MultiVantage 4.25% A+ Details Product Name Rate AM Best Rating Apply MultiVantage 4.25% 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 5-Year Annuity Rates
Product Name Rate AM Best Rating Apply Aspida Advisory MYGA 5.85% A- Details Product Name Rate AM Best Rating Apply Safeguard Plus 5.65% B++ Details Product Name Rate AM Best Rating Apply MYGA 5.65% B++ Details Product Name Rate AM Best Rating Apply MYAnnuity 5X - No Free Withdrawal 5.60% B++ 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 Apex 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 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 Pinnacle Plus MYGA 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 Synergy Choice MYGA 5.45% A- Details Product Name Rate AM Best Rating Apply WealthLock MYGA Plus 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 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 SecureFore 5 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 WealthLock MYGA 5.30% A- Details Product Name Rate AM Best Rating Apply Athene MYG 5.30% A Details Product Name Rate AM Best Rating Apply MaxRate 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 Synergy Choice MYGA 5.25% A- Details Product Name Rate AM Best Rating Apply Synergy Choice MYGA 5.25% A- Details Product Name Rate AM Best Rating Apply MaxRate 5 5.25% A Details Product Name Rate AM Best Rating Apply Brighthouse Fixed Rate Annuity with MVA 5.25% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 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 Milestone MYGA 5.25% A- Details Product Name Rate AM Best Rating Apply Lincoln Select 5.25% A Details Product Name Rate AM Best Rating Apply MyGuarantee Plus 5.25% A Details Product Name Rate AM Best Rating Apply First Choice 5 5.20% 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 Select Choice Plus 3 - Base Benefits Plus PFW 5.20% A- Details Product Name Rate AM Best Rating Apply Milestone MYGA 5.20% A- Details Product Name Rate AM Best Rating Apply Eleos MVA 5.15% A++ Details Product Name Rate AM Best Rating Apply Reliance Guarantee 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 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 Athene MYG 5.05% A Details Product Name Rate AM Best Rating Apply First Choice 5 5.05% 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 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 Brighthouse Fixed Rate Annuity 5.00% A Details Product Name Rate AM Best Rating Apply Asset Guard 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 Secure Growth 5.00% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 5.00% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 5.00% A+ Details Product Name Rate AM Best Rating Apply Expedition II 5.00% A+ Details Product Name Rate AM Best Rating Apply Expedition II 5.00% A+ Details Product Name Rate AM Best Rating Apply Mariner 5.00% A+ Details Product Name Rate AM Best Rating Apply Mariner 5.00% A+ Details Product Name Rate AM Best Rating Apply Eleos SP 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 Secure Growth 4.95% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.95% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 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 MYAnnuity 5X - No Free Withdrawal 4.90% B++ 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 Brighthouse Fixed Rate Annuity with ROP 4.85% 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 Flex Guard Preferred 5 Annuity 4.80% A- Details Product Name Rate AM Best Rating Apply Secure Growth 4.80% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.80% 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 American Pathway Fixed 5 Plus 4.75% A Details Product Name Rate AM Best Rating Apply First Choice 5 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 Growth 4.75% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.75% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.75% A+ Details Product Name Rate AM Best Rating Apply Secure Term MVA II 4.75% A++ Details Product Name Rate AM Best Rating Apply Secure Term MVA III 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 First Choice 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 SecureOption Choice 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 Term Choice II 4.70% A++ Details Product Name Rate AM Best Rating Apply Secure Term Choice III 4.70% A++ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity V 4.70% A++ Details Product Name Rate AM Best Rating Apply SmartSelect 4.70% A+ Details Product Name Rate AM Best Rating Apply Secure Saver Pro 4.65% A+ Details Product Name Rate AM Best Rating Apply Stable Voyage 4.65% A++ Details Product Name Rate AM Best Rating Apply Select 5 4.65% A Details Product Name Rate AM Best Rating Apply Eagle Guarantee Focus Series 4.60% A- Details Product Name Rate AM Best Rating Apply SecureOption Choice 4.60% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.60% A+ Details Product Name Rate AM Best Rating Apply Secure Growth 4.60% A+ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity IV - FP Series 4.60% A++ Details Product Name Rate AM Best Rating Apply SmartSelect 4.60% A+ Details Product Name Rate AM Best Rating Apply Athene MYG NY 4.55% A Details Product Name Rate AM Best Rating Apply First Choice 5 4.55% 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 Secure Term Choice II 4.55% A++ Details Product Name Rate AM Best Rating Apply Custom 5 4.55% A Details Product Name Rate AM Best Rating Apply SecureSaver 4.50% 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 Select 5 4.50% A Details Product Name Rate AM Best Rating Apply Select 5 4.50% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.45% A Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.45% A++ Details Product Name Rate AM Best Rating Apply Flex Guard Preferred 5 Annuity 4.40% A- Details Product Name Rate AM Best Rating Apply Jackson RateProtector 4.40% A Details Product Name Rate AM Best Rating Apply Jackson RateProtector 4.40% A Details Product Name Rate AM Best Rating Apply Select Choice 2 - Base Benefits Plus ROP 4.40% A- Details Product Name Rate AM Best Rating Apply Custom 5 4.40% A Details Product Name Rate AM Best Rating Apply Select Pro 4.40% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.30% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.30% A Details Product Name Rate AM Best Rating Apply Select Choice 4 - Base Benefits Plus ROP and PFW 4.30% A- Details Product Name Rate AM Best Rating Apply Select Choice Plus 2 - Base Benefits Plus ROP 4.30% A- Details Product Name Rate AM Best Rating Apply Custom 5 4.30% A Details Product Name Rate AM Best Rating Apply Select 5 4.30% A Details Product Name Rate AM Best Rating Apply Secure Savings Elite 4.25% B+ Details Product Name Rate AM Best Rating Apply Select 5 4.25% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.20% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.20% A Details Product Name Rate AM Best Rating Apply MultiVantage 4.20% A+ Details Product Name Rate AM Best Rating Apply MultiVantage 4.20% A+ Details Product Name Rate AM Best Rating Apply MultiVantage 4.20% A+ Details Product Name Rate AM Best Rating Apply Freedom Elevate 5 4.20% A++ Details Product Name Rate AM Best Rating Apply Select Choice Plus 4 - Base Benefits Plus ROP and PFW 4.20% A- Details Product Name Rate AM Best Rating Apply Custom 5 4.20% A Details Product Name Rate AM Best Rating Apply Secure Savings Elite 4.19% B+ Details Product Name Rate AM Best Rating Apply Select Choice Plus 2 - Base Benefits Plus ROP 4.15% A- Details Product Name Rate AM Best Rating Apply Secure Savings Elite 4.15% B+ Details Product Name Rate AM Best Rating Apply Custom 5 4.15% A Details Product Name Rate AM Best Rating Apply Custom 5 4.15% A Details Product Name Rate AM Best Rating Apply Select 5 4.15% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.05% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.05% A Details Product Name Rate AM Best Rating Apply Smart Saver NY 4.05% A+ Details Product Name Rate AM Best Rating Apply Select Choice Plus 4 - Base Benefits Plus ROP and PFW 4.05% A- Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 4.00% A Details Product Name Rate AM Best Rating Apply Custom 5 4.00% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 3.95% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 3.95% A Details Product Name Rate AM Best Rating Apply Custom 5 3.95% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Plus 3.90% A Details Product Name Rate AM Best Rating Apply Select Choice 2 - Base Benefits Plus ROP 3.90% A- Details Product Name Rate AM Best Rating Apply Select Choice 4 - Base Benefits Plus ROP and PFW 3.80% A- Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 3.60% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 3.55% A Details Product Name Rate AM Best Rating Apply American Pathway Fixed 5 Annuity 3.50% A Details Product Name Rate AM Best Rating Apply Secure Savings 3.45% B+ Details 6-Year Annuity Rates
Product Name Rate AM Best Rating Apply Certainty Select 5.65% B++ Details Product Name Rate AM Best Rating Apply Simple Annuity 5.60% B++ Details Product Name Rate AM Best Rating Apply MYGA 5.55% B++ Details Product Name Rate AM Best Rating Apply Milestone MYGA 5.20% A- Details Product Name Rate AM Best Rating Apply Milestone MYGA 5.15% A- Details Product Name Rate AM Best Rating Apply SecureGain 3 4.80% A++ Details Product Name Rate AM Best Rating Apply Secure Term MVA II 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 Fixed Annuity V 4.70% A++ Details Product Name Rate AM Best Rating Apply Secure Term Fixed Annuity IV - FP Series 4.60% A++ Details Product Name Rate AM Best Rating Apply Platinum Edge 4.55% A+ Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.55% A++ Details Product Name Rate AM Best Rating Apply Secure Term Choice II 4.45% A++ Details Product Name Rate AM Best Rating Apply SecureGain 3 4.40% A++ Details Product Name Rate AM Best Rating Apply SmartStep 4.40% A+ Details Product Name Rate AM Best Rating Apply SmartStep 4.40% A+ Details Product Name Rate AM Best Rating Apply Smart Saver NY 4.10% A+ Details Product Name Rate AM Best Rating Apply SmartSelect 4.10% A+ Details Product Name Rate AM Best Rating Apply SmartSelect 4.00% A+ Details Product Name Rate AM Best Rating Apply Access SPDA 3.95% A- Details 7-Year Annuity Rates
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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.
The Best Annuity Companies and Providers of 2023Several 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.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.
STEP 1STEP 2STEP 3How soon are you retiring?
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STEP 1STEP 2STEP 3What 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?
Our financial experts will help you find an annuity tailored to your needs.Replay VideoLearn 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.
Interested in Buying an Annuity?Learn how annuities provide premium protection, guaranteed retirement income and long-term care benefits through our partner Annuity.org.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.Never Miss Important News or Updates with Our Weekly NewsletterGet money-saving tips, hard-to-find info and tactics for a successful retirement in our free weekly newsletter.Last Modified: September 8, 2023Share This Page
Lindsey Crossmier Financial WriterLindsey Crossmier joined the RetireGuide team in 2022 as a writer to promote long-lasting financial literacy. She leverages her creative writing background, editorial experience and financial education from Yale to write retirement-focused financial content for those ready to prepare for their futures. Making complex information simple and accessible for all is her specialty.- Special focus on content about life insurance, Social Security, Medicare and certificates of deposits (CDs)
- Research-based data drives her work
- Bachelor’s degree in English from the University of Central Florida
Edited By
Lamia Chowdhury Financial EditorFinancially Reviewed By
Brandon Renfro, Ph.D., CFP®, RICP®, EA Retirement and Social Security Expert4 Cited Research Articles
- U.S. Securities and Exchange Commission. (2023). Annuities. Retrieved from https://www.investor.gov/introduction-investing/investing-basics/glossary/annuities
- New York Life. (2023). Variable Annuities. Retrieved from https://www.nylannuities.com/new-york-life-annuities/variable-annuities/#rates
- 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
- 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
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