Georgia Fixed Annuity Rates | December 2024

By Scott Brooks, MBA, CFP® Editor
Earn up to 0%

MYGAs - No surprises, no fees, and 100% liquid at maturity.

Important - Enter your state and investment amount in the filter below because both affect the rates.

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Georgia
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By Rating
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Should be at least $2000
The maximum investment is $1000000
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Please enter an investment amount and state. Then click the "apply now" button for the product you have selected.

Last updated on Dec 6, 2024
CompanyProduct
Name
ratetermAM Best
rating
earningsaction
Synergy Choice 2
5.10%
2 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
WealthLock 2
4.95%
2 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Harbourview 2
4.90%
2 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
CL Sundance 2
4.25%
2 Year TermB++
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Secure Savings Elite 2
3.90%
2 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Secure Savings 2
2.60%
2 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Select Choice 1 (3) - No Withdrawals
5.25%
3 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Milestone Max MYGA 3
5.20%
3 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Select Choice 3 (3) - Free Withdrawals
5.15%
3 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Synergy Choice 3
5.15%
3 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Harbourview 3
5.10%
3 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
WealthLock 3
5.05%
3 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
RetireMax Secure 3 MVA
4.90%
3 Year TermA+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Preserve 3
4.85%
3 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Athene Max Rate 3
4.80%
3 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guarantee Plus 3
4.80%
3 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Guarantee Pro 3
4.80%
3 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Pinnacle Plus 3
4.80%
3 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Heritage Elite 3
4.80%
3 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Guarantee Platinum 3
4.75%
3 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Certainty Select 3
4.75%
3 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
SecureOption Choice 3
4.70%
3 Year TermA+
Select An Investment
Amount
$ 0
25000-2000000
Details Apply Now
Palladium MYG 3
4.70%
3 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Heritage Premier 3
4.70%
3 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Navigator Ultra 3
4.70%
3 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Multi-Select 3
4.65%
3 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Secure Term MVA II (3 Yr)
4.55%
3 Year TermA++
Select An Investment
Amount
$ 0
15000-1500000
Details Apply Now
Symetra Select Max 3
4.55%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Term Choice II (3 Yr)
4.50%
3 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Term V (3 Yr)
4.50%
3 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
RetireMax Secure 3
4.50%
3 Year TermA+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
CL Sundance 3
4.50%
3 Year TermB++
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Navigator Elite 3
4.50%
3 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Savings Elite 3
4.50%
3 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Symetra Select Pro 3
4.45%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
RateProtector 3
4.40%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Heritage Classic 3
4.40%
3 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
SecureFore 3
4.30%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Focused Growth 3
4.30%
3 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Multi-Choice 3 (No Withdrawals)
4.30%
3 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Multi-Choice 3 (Interest Withdrawals)
4.30%
3 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Multi-Choice 3 (10% Withdrawals)
4.25%
3 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Discovery 3
4.20%
3 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Discovery Plus 3
4.20%
3 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Preferred Choice 3
4.15%
3 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
MYGA 3
4.00%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Diamond Head 3
4.00%
3 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
GuaranteeShield 3
3.75%
3 Year TermA-
Select An Investment
Amount
$ 0
10000-1500000
Details Apply Now
SecureGain 3
3.70%
3 Year TermA++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guaranty Rate Lock 3
3.70%
3 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Secure Savings 3
3.15%
3 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Heritage Builder 3
2.00%
3 Year TermB+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Milestone Max MYGA 4
5.20%
4 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Multi-Select 4
5.15%
4 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Simple Annuity 4
5.15%
4 Year TermB++
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Harbourview 4
5.10%
4 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Preserve 4
4.95%
4 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Secure Term MVA II (4 Yr)
4.55%
4 Year TermA++
Select An Investment
Amount
$ 0
15000-1500000
Details Apply Now
Secure Term Choice II (4 Yr)
4.50%
4 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Term V (4 Yr)
4.50%
4 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
American Pathway Vision MYG 4
4.25%
4 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
MultiVantage 4
4.20%
4 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Diamond Head 4
4.00%
4 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guaranty Rate Lock 4
3.90%
4 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Milestone Max MYGA 5
5.50%
5 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
MYAnnuity 5X (No Withdrawals)
5.40%
5 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Palladium MYG 5
5.25%
5 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Synergy Choice 5
5.25%
5 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Select Choice 1 (5) - No Withdrawals
5.20%
5 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
WealthLock 5
5.20%
5 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
MYAnnuity 5X (10% Withdrawals)
5.20%
5 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Harbourview 5
5.15%
5 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Select Choice 3 (5) - Free Withdrawals
5.10%
5 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Athene Max Rate 5
5.05%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guarantee Plus 5
5.05%
5 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Guarantee Pro 5
5.05%
5 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Symetra Select Max 5
5.05%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Multi-Select 5
5.05%
5 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Preserve 5
5.05%
5 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
SecureOption Choice 5
5.00%
5 Year TermA+
Select An Investment
Amount
$ 0
25000-2000000
Details Apply Now
RetireMax Secure 5 MVA
5.00%
5 Year TermA+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Pinnacle Plus 5
5.00%
5 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Guarantee Platinum 5
5.00%
5 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Heritage Elite 5
5.00%
5 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Certainty Select 5
5.00%
5 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Navigator Ultra 5
4.95%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Eleos MVA
4.90%
5 Year TermA++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Reliance Guarantee 5
4.90%
5 Year TermA++
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Multi-Choice 5 (No Withdrawals)
4.80%
5 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Heritage Premier 5
4.80%
5 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Navigator Elite 5
4.80%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Eleos SP
4.75%
5 Year TermA++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Focused Growth 5
4.75%
5 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Multi-Choice 5 (Interest Withdrawals)
4.75%
5 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Symetra Select Pro 5
4.75%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Savings Elite 5
4.75%
5 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Ultra Premier 5
4.70%
5 Year TermA+
Select An Investment
Amount
$ 0
25000-3000000
Details Apply Now
Multi-Choice 5 (10% Withdrawals)
4.70%
5 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
RateProtector 5
4.65%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
RetireMax Secure 5
4.60%
5 Year TermA+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Secure Term MVA II (5 Yr)
4.55%
5 Year TermA++
Select An Investment
Amount
$ 0
15000-1500000
Details Apply Now
MYGuarantee Plus 5
4.55%
5 Year TermA
Select An Investment
Amount
$ 0
10000-2000000
Details Apply Now
Secure Term Choice II (5 Yr)
4.50%
5 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Term V (5 Yr)
4.50%
5 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Ultra Secure Plus 5
4.50%
5 Year TermA+
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
ECAccumulate
4.50%
5 Year TermA
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
SecureGain 5
4.45%
5 Year TermA++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Growth 5 MVA
4.45%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Saver 5
4.45%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
SecureFore 5
4.45%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
MYGA 5
4.45%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Heritage Classic 5
4.45%
5 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Discovery Plus 5
4.40%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Preferred Choice 5
4.30%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
New Momentum 5
4.25%
5 Year TermA+
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now
American Pathway 5
4.25%
5 Year TermA
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now
American Pathway Vision MYG 5
4.25%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Discovery 5
4.25%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Balance Annuity 5
4.21%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
MultiVantage 5
4.20%
5 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Secure Growth 5
4.10%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guaranty Rate Lock 5
4.10%
5 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Diamond Head 5
4.00%
5 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Premium Preferred 5
4.00%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Future Select 5
4.00%
5 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Growth 5 ROP
3.90%
5 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
GuaranteeShield 5
3.85%
5 Year TermA-
Select An Investment
Amount
$ 0
10000-1500000
Details Apply Now
Heritage Builder 5
3.50%
5 Year TermB+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Secure Savings 5
3.45%
5 Year TermB
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Harbourview 6
5.50%
6 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Milestone Max MYGA 6
5.45%
6 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Multi-Select 6
5.40%
6 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Simple Annuity 6
5.40%
6 Year TermB++
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Palladium MYG 6
5.25%
6 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Preserve 6
5.05%
6 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Certainty Select 6
5.05%
6 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Term MVA II (6 Yr)
4.55%
6 Year TermA++
Select An Investment
Amount
$ 0
15000-1500000
Details Apply Now
Secure Term Choice II (6 Yr)
4.50%
6 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Term V (6 Yr)
4.50%
6 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Preferred Choice 6
4.35%
6 Year TermB+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
American Pathway Vision MYG 6
4.25%
6 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Discovery 6
4.25%
6 Year TermB+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Guaranty Rate Lock 6
4.10%
6 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
New Momentum 6
4.07%
6 Year TermA+
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now
Diamond Head 6
4.00%
6 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Milestone Max MYGA 7
5.45%
7 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
MYAnnuity 7X (No Withdrawals)
5.45%
7 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Palladium MYG 7
5.30%
7 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Synergy Choice 7
5.30%
7 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Multi-Select 7
5.25%
7 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Select Choice 1 (7) - No Withdrawals
5.25%
7 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
MYAnnuity 7X (10% Withdrawals)
5.25%
7 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
WealthLock 7
5.20%
7 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Select Choice 3 (7) - Free Withdrawals
5.15%
7 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Athene Max Rate 7
5.05%
7 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guarantee Plus 7
5.05%
7 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Guarantee Pro 7
5.05%
7 Year TermA+
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Symetra Select Max 7
5.05%
7 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
SecureOption Choice 7
5.00%
7 Year TermA+
Select An Investment
Amount
$ 0
25000-2000000
Details Apply Now
Guarantee Platinum 7
5.00%
7 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Heritage Elite 7
5.00%
7 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Navigator Ultra 7
5.00%
7 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Harbourview 7
4.95%
7 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Preserve 7
4.95%
7 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Reliance Guarantee 7
4.90%
7 Year TermA++
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Pinnacle Plus 7
4.90%
7 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Heritage Premier 7
4.90%
7 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Navigator Elite 7
4.85%
7 Year TermB+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Ultra Premier 7
4.80%
7 Year TermA+
Select An Investment
Amount
$ 0
25000-3000000
Details Apply Now
Focused Growth 7
4.80%
7 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Bankers Elite 7
4.80%
7 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Multi-Choice 7 (No Withdrawals)
4.75%
7 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Symetra Select Pro 7
4.75%
7 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Multi-Choice 7 (Interest Withdrawals)
4.70%
7 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
Ultra Secure Plus 7
4.65%
7 Year TermA+
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
RateProtector 7
4.65%
7 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Secure Term MVA II (7 Yr)
4.55%
7 Year TermA++
Select An Investment
Amount
$ 0
15000-1500000
Details Apply Now
Multi-Choice 7 (10% Withdrawals)
4.55%
7 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
MYGuarantee Plus 7
4.55%
7 Year TermA
Select An Investment
Amount
$ 0
10000-2000000
Details Apply Now
Heritage Classic 7
4.55%
7 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Secure Term Choice II (7 Yr)
4.50%
7 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Term V (7 Yr)
4.50%
7 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Secure Growth 7 MVA
4.50%
7 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
SecureGain 7
4.49%
7 Year TermA++
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Amount
$ 0
10000-1000000
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SecureFore 7
4.45%
7 Year TermA
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Amount
$ 0
10000-1000000
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Discovery Plus 7
4.45%
7 Year TermB+
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Amount
$ 0
10000-1000000
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Preferred Choice 7
4.40%
7 Year TermB+
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Amount
$ 0
10000-1000000
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Secure Saver 7
4.35%
7 Year TermA+
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Amount
$ 0
10000-1000000
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Discovery 7
4.30%
7 Year TermB+
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Amount
$ 0
10000-1000000
Details Apply Now
American Pathway 7
4.25%
7 Year TermA
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now
American Pathway Vision MYG 7
4.25%
7 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Premium Preferred 7
4.25%
7 Year TermB+
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Amount
$ 0
10000-1000000
Details Apply Now
Secure Growth 7
4.15%
7 Year TermA+
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Amount
$ 0
10000-1000000
Details Apply Now
MultiVantage 7
4.14%
7 Year TermA+
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Amount
$ 0
20000-1000000
Details Apply Now
Guaranty Rate Lock 7
4.10%
7 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Future Select 7
4.05%
7 Year TermB+
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Amount
$ 0
10000-1000000
Details Apply Now
SPDA Series II
4.04%
7 Year TermA+
Select An Investment
Amount
$ 0
3000-1000000
Details Apply Now
Diamond Head 7
4.00%
7 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
New Momentum 7
3.96%
7 Year TermA+
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now
Secure Growth 7 ROP
3.95%
7 Year TermA+
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
SecureOption Focus 7
3.75%
7 Year TermA+
Select An Investment
Amount
$ 0
10000-2000000
Details Apply Now
Heritage Builder 7
3.65%
7 Year TermB+
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
Multi-Select 8
5.20%
8 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Certainty Select 8
5.10%
8 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Palladium MYG 8
5.05%
8 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Preserve 8
4.95%
8 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
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Secure Term Choice (8 Yr)
4.50%
8 Year TermA++
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Amount
$ 0
5000-1500000
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Secure Term MVA (8 Yr)
4.50%
8 Year TermA++
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Guaranty Rate Lock 8
4.10%
8 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Diamond Head 8
4.00%
8 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Multi-Select 9
5.10%
9 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Palladium MYG 9
5.05%
9 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
SecureOption Choice 9
5.00%
9 Year TermA+
Select An Investment
Amount
$ 0
25000-2000000
Details Apply Now
Heritage Elite 9
5.00%
9 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Heritage Premier 9
5.00%
9 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Preserve 9
4.95%
9 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Heritage Classic 9
4.65%
9 Year TermA-
Select An Investment
Amount
$ 0
10000-500000
Details Apply Now
Guaranty Rate Lock 9
4.10%
9 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Diamond Head 9
4.00%
9 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Harbourview 10
5.40%
10 Year TermA
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Certainty Select 10
5.15%
10 Year TermB++
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Multi-Select 10
5.10%
10 Year TermA-
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Palladium MYG 10
5.05%
10 Year TermA
Select An Investment
Amount
$ 0
5000-1500000
Details Apply Now
Reliance Guarantee 10
4.90%
10 Year TermA++
Select An Investment
Amount
$ 0
20000-1000000
Details Apply Now
Preserve 10
4.90%
10 Year TermA-
Select An Investment
Amount
$ 0
5000-1000000
Details Apply Now
Pinnacle Plus 10
4.85%
10 Year TermA-
Select An Investment
Amount
$ 0
25000-1000000
Details Apply Now
MYGA 10
4.60%
10 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
MYGuarantee Plus 7
4.55%
10 Year TermA
Select An Investment
Amount
$ 0
10000-2000000
Details Apply Now
Focused Growth 10
4.50%
10 Year TermA
Select An Investment
Amount
$ 0
15000-1000000
Details Apply Now
American Pathway Vision MYG 10
4.25%
10 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
Guaranty Rate Lock 10
4.10%
10 Year TermA-
Select An Investment
Amount
$ 0
10000-3000000
Details Apply Now
Diamond Head 10
4.00%
10 Year TermA
Select An Investment
Amount
$ 0
10000-1000000
Details Apply Now
New Momentum 10
3.92%
10 Year TermA+
Select An Investment
Amount
$ 0
2000-1000000
Details Apply Now

Disclosure We have done our best to show the best products on the market. This is not a list of every fixed annuity available. The rates and product information on this website might not be current. Rates are subject to change at any time.

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Stop: Over 30 Tips You Should Know Before Buying An Annuity. Plus, 5 Videos To Help You Decide If They Are Right For You.

  • Fixed annuities are for conservative investors who want safety and guarantees. MYGAs are straightforward. You make a deposit and earn a fixed rate of interest. You get your principal back at the end of the fixed term.
  • People who invest in MYGAs are also likely to own US treasuries, bonds, and bank CDs.
  • The application on this page is non-binding. You will have time to review the application before signing. You can also change your mind if you decide not to proceed.
  • CD owners like fixed annuities because they are similar in many ways. Read our full report on fixed annuities to get more information.
  • If your time horizon is 2 years or more, a fixed annuity can earn a higher guaranteed return than a bank CD. If it's less than 2 years, consider a bank CD, savings account, or money market.
  • Enter your state, rating preference, term, and investment amount in the filter above.
  • Need help using our website? Watch our video "How to use our website to find the best products."
  • Want to commit your money for a specific term? Use the "term" filter to sort for the best rates and products for that time period.
  • If you need to take withdrawals, make sure to add the withdrawal filter to your search.
  • Don't forget to click on the details page to learn more about each product.  We reveal everything you need to know.
  • Watch our video "The definitive guide to fixed annuities" to learn more about fixed annuities.
  • Watch our video "How to avoid the biggest mistakes consumers make when buying an annuity."
  • Watch our video "The Case Against Fixed Annuities (MYGAs)"
  • Watch our video "How to apply for a fixed annuity online"

the facts of fixed annuities

Flexible
Contributions
Avoid
Probate
Competitive
Interest Rates
Tax-Deferred
Growth
Safety

Flexible contributions

Some fixed annuities allow for ‘flexible contributions.’ This means you can add money now and add money later. This differs from ‘Single Premium’ annuities, which allow you to add money only once. Most MYGAs (multiple-year guaranteed annuities) are single premium. Fixed annuities that do NOT lock in the rate for the term are more likely to offer flexible contributions. We like MYGAs because there are no surprises after purchase.

Avoid Probate

In some states, probate can be time-consuming and expensive. Annuities pass by beneficiary designation, not probate. Your named beneficiary can access the funds quickly and easily. There is no need to hire an attorney or pay probate fees.

Competitive Interest Rates

Fixed annuities pay higher rates than bank CDs. It's essential to shop both if you want to maximize the highest returns. Fixed annuities offer competitive rates to bank CDs. Interest rates are often closer to long-term bonds than short-term money markets or CDs.

Tax-Deferred Growth

Fixed annuities grow tax-deferred. You don't have to pay income taxes on the interest while the money is growing inside the annuity. You only pay income taxes on the earnings when you withdraw money from your account. Your money grows faster than it would inside a cd because of the triple compounding of interest. This is because you earn interest on the money lost to taxes. This is especially helpful if you are in a higher tax bracket while the money is growing. Tax deferral also means that annuity earnings do not affect your social security benefits like CDs and bonds do. When your annuity matures you can renew your contract or transfer the annuity to another company via 1035 exchange to continue tax deferral.

Safety

Fixed annuities are some of the safest ways to save for retirement. Insurance companies do not loan out your money as banks do. Banks take $1 in deposits and make $10 in loans. It's when these loans go bad that banks get into trouble because of leverage.  Insurance companies don't do this with annuities.  Insurance companies are required by law to set aside money "reserves" to pay policy owners.

30 Fixed Annuity Tips
  • The products, rates, and features for MYGAs vary by state because the products are state-regulated. Select your state in the filter above to receive accurate information.
  • MYGAs offer higher interest rates than bank CDs. Interest is tax-deferred until withdrawal. The main negatives are the potential surrender charge and market value adjustment applied to early withdrawals. If you own the annuity to maturity, neither applies.
  • Don't invest money you need to use for the product term. If you need access, look for shorter terms, products with withdrawal options, and products without market value adjustments. You can do this using our filter above.
  • Annuities in an IRA are subject to the tax rules for an IRA, not a non-qualified/taxable annuity. The insurance company acts as your custodian for the IRA.
  • Look at the terms and consider where the sweet spot is for rates. (Ex. 3 yrs). This varies as rates change.  Some have told us shopping for MYGAs reminds them of CD shopping because they are looking for the best rate and terms.
  • The fixed annuities on this page are MYGAs and NOT subject to renewal rates. Your rate is locked in for the entire term, and there will be no surprises after the purchase.
  • Shop the market before buying. Use our datab,ase! This is important because many companies don’t have access to all the best rates, or they don’t want to show you. Ex. Most banks only MYGAs from 3-7 companies. We offer 40+ because when companies compete you win.
  • Consider the rate, term, surrender charge, MVA, and death benefit options before purchasing. This site provides all of this information.
  • Fixed annuities avoid probate, so make sure to keep your beneficiaries up to date. If you get divorced and the ex is still on the contract, they get the money!
  • Consider an annuity ladder to diversify the annuity term and the credit rating.  Ex. 2 yr (A-), 3 yr (A), and 5 yr (A+). Ladders also help in a rising rate environment.
  • Look for stable, highly-rated companies. Consider their financial stability. Annuities are not FDIC insured. Consider investing in a few different companies to reduce risk. Also, keep your annuity assets below your state's guarantee limit.
  • Contact your state guarantee fund to verify the coverage limit. Ask for the limit for "cash surrender value" for your state. Also, ask if the guarantee is "per person" or "per company."  Ex. In Texas, there is a $250K guarantee per company. So you could invest $750K, split $250K into 3 companies, and be covered.  Some states limit the guarantee per person. Ex. $250K per person. Other states have a lifetime guarantee.
  • If you purchase a B++ provider or below, verify the company would be covered by the guarantee fund in your state.
  • MYGAs make a lot of sense if you don't want to buy more muni bonds and are looking for additional ways to defer taxes.
  • Don’t put too much money into annuities. Always keep some money liquid in case you need it. Surrender charges and market value adjustments do not apply if you own the annuity until maturity.
  • Insurance agents might not want to sell you MYGAs because they can earn 3-4X more by selling you index or variable annuities.
  • Any earnings withdrawn before 59 1/2 are assessed a 10% early withdrawal penalty in non-retirement accounts. When your MYGA contract matures, you can renew your annuity with the same company or do a 1035 exchange with another company to avoid the 10% penalty. This allows you to keep deferring your gains until age 59 1/2 when the penalty disappears.
  • If you are forced to take an RMD (required minimum distribution), find a company that allows for RMD distributions. Select "RMD" in the filter above to filter for MYGAs with RMDs available.
  • If you want to invest IRA money into a MYGA, perform a custodian-to-custodian transfer. This transfers the money from your existing company into the new one. It's not a 1035 exchange and does not count toward your one rollover per year. We will help you with the process.
  • The products pay the same rate regardless of which company you buy them. Commissions are paid to everyone who sells them and are disclosed in the product details. The rates are net of commissions paid, so you will receive what is promised.
  • Don't buy an annuity unless you know the terms of the contract. MYGAs are simple and transparent to understand once you know what to look for.
  • How are insurance companies able to beat CD rates? Sometimes, they are able to invest in less liquid investments to earn a higher return. They can do this because there are MVAs and surrender charges in place to protect them.
  • It's impossible to hate both bank CDs and MYGAs at the same time. When people talk negatively about annuities, they usually refer to index or variable annuities. MYGAs, SPIA, and DIAs have almost all positive press because there are no surprises after purchase.
  • When your MYGA matures, it's possible to transfer the balance via a 1035 change to a SPIA or DIA. Ex. If you are 55, you might buy a MYGA now for stable tax-deferred growth.  When the product matures after 59 1/2, you can annuitize the money with the existing company or transfer it to another.  Or,  you could take it out as it's liquid at maturity.
  • Make sure the funds are sent directly to the insurance company. When you apply with us, we will open your account electronically if the company allows it.  Then, you can wire the funds or write a check payable directly to the insurance company for your benefit. Make sure the check is mailed to an address registered to the insurance company.
  • If using retirement money, we will help with the transfer and update you along the way.
  • The lower-rated companies in our database typically pay the highest rates. In general, they also offer fewer withdrawals and less favorable options at death. They might not waive the MVA or surrender charge. If this is a concern, search for products that do not have MVA and have withdrawals available.
  • The higher-rated companies pay out the accumulated/full value at death. Also, they offer interest-only or 10% withdrawals per year. What's the catch? They pay lower rates.
  • Take advantage of our fixed annuity database. Do your research and then decide whom you want to do business with. Watch our videos in the section to get more information.
  • You can apply for multiple companies with one online application. Just let us know how you want the money split up.  Ex. $100K in Company X and $100K in Company Y.
  • You will have access to the insurance company's customer service department after purchase. We are also here to help.
  • Have questions? Let us help you. Leave us a voice mail at (800)540-6109, and we will return your call. We will treat you with respect.
The Best Fixed Annuity Rates For Each Term
TERMINSURERAM BEST RATINGRATE (APY)
2 yrsAspidaA-5.10%
3 yrsS.USA LifeA-5.25%
4 yrsSagicor LifeA-5.20%
5 yrsSagicor LifeA-5.50%
6 yrsOceanview LifeA5.50%
7 yrsSagicor LifeA-5.45%
8 yrsOxford LifeA-5.20%
9 yrsOxford LifeA-5.10%
10 yrsOceanview LifeA5.40%
The Best Fixed Annuity Rates For Each AM Best Rating

Here are the best fixed annuity rates you can currently get from insurers at each A.M. Best rating level.

AM BEST RATINGINSURERTERMRATE (APY)
A++Reliance Standard Life5 yrs4.90%
A+Athene5 yrs5.05%
AOceanview Life6 yrs5.50%
A-Sagicor Life5 yrs5.50%
B++Nassau Life7 yrs5.45%
B+Western United Life7 yrs5.00%
BSILAC5 yrs4.75%