Today's Top Annuity Rates
Compare current MYGA and Fixed Indexed Annuity rates from top-rated carriers — up to 6.40% APY. No pressure, no obligation.
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Today's Rates
Current annuity rates from top-rated carriers.
Rates updated January 1, 1970. Lock in today's rate or compare across terms.
| Term | Top APY | Carrier Rating | Min. Premium |
|---|---|---|---|
| 2 Year | 5.40% | A or better | $10,000 |
| 3 Year | 5.75% | A or better | $10,000 |
| 4 Year | 5.85% | A or better | $10,000 |
| 5 Year | 6.10% | A or better | $10,000 |
| 7 Year | 6.25% | A or better | $25,000 |
| 10 Year | 6.40% | A or better | $25,000 |
Rates shown are illustrative of current top offerings and are subject to change and carrier approval. Actual rates depend on age, state, premium amount, product features, and carrier availability. Guarantees are backed by the claims-paying ability of the issuing insurance carrier.
A-rated carriers
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Independent access to leading insurance carriers — so you see today's best rates and rider terms, not just one company's offer.
Carrier logos are shown for identification purposes only. Today's Top Annuities is an independent broker and is not affiliated with or endorsed by these carriers. Carrier availability varies by state and product.
Why Now
Three reasons today's rates are worth locking in.
Annuity rates move with the broader interest-rate environment. With rates at multi-decade highs, this is the most favorable window to buy in over fifteen years — and it may not stay open.
Lock In Today's Rate
MYGA rates are at multi-decade highs. Lock in a guaranteed APY for 2 to 10 years and your rate is set on day one — no matter what the market does next.
Principal Protection
Fixed and indexed annuities never lose value to market downturns. Your principal and credited interest are guaranteed by the issuing carrier.
Tax-Deferred Growth
Earnings compound untaxed until you withdraw — keeping more of today's high rates working for you year after year.
The Cost of Waiting
What it costs to stay on the sidelines.
Most pre-retirees don't realize how much guaranteed growth they're giving up while they wait to "figure out the right move."
- 01
Idle Cash
Money parked in low-yield savings or checking is losing real value to inflation every month.
- 02
Market Volatility
A single bad year near retirement can permanently reduce how much income your portfolio can safely support.
- 03
Missed Compounding
Every year you wait is a year of tax-deferred growth you'll never get back — the math compounds against you.
- 04
Taxes on CD Interest
CDs throw off taxable interest annually. Annuities defer those taxes until you actually use the money.
How It Works
From first question to funded contract in three steps.
Tell us your goals
Answer a few questions about your timeline, savings, and what you want your money to do.
Get matched with a specialist
Your specialist works for you — not the insurance companies — so recommendations are based on your goals, not commissions.
Compare top-rated carriers
See side-by-side quotes from A-rated insurance carriers and pick the contract that fits your goals.
See My Rates
Get your personalized rate in 30 seconds.
Answer 6 quick questions and a licensed specialist will match you with today's top MYGA and Fixed Indexed Annuity rates.
- Free, no-obligation quote
- A-rated carriers only
- Licensed in all 50 states
- No high-pressure sales
Prefer to talk now? Call +1 (626) 986-3668
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