Today’s Annuity Rates & How to Choose the Right Contract
See current MYGA (fixed) rates and sample SPIA payouts. Learn the trade-offs, fees, and guarantees, then connect with vetted providers — all in one place.
Illustrative. Confirm surrender periods, free withdrawals, and state availability with each carrier.
Featured MYGA Rates
Sample educational data. Replace with your live feed.
AG
Pinnacle Life
A.M. Best A−
RMD-friendly
Market Value Adj.
5.65%
Guaranteed for 5 years
HM
Harbor Mutual
A.M. Best A
Nursing-home waiver
5.25%
Guaranteed for 3 years
SA
Summit Annuity Co.
A.M. Best A−
Terminal illness waiver
5.70%
Guaranteed for 7 years
Illustrative Immediate (SPIA) Payouts
$100,000 premium, quotes vary by insurer/state and options.
| Age | Payout Type | Annual Income | Monthly | Inflation Option | |
|---|---|---|---|---|---|
| 60 | Single Life | $5,640 | $470 | +2% COLA | Get quotes |
| 65 | Joint Life | $5,300 | $442 | None | Get quotes |
| 70 | Period Certain (10 yr) | $6,900 | $575 | N/A | Get quotes |
Annuity FAQs
Are annuities FDIC insured?
No. They’re backed by the insurer’s claims-paying ability. State guaranty associations may provide limited protection that varies by state.
What fees should I expect?
MYGAs usually have no annual fees but include surrender charges during the term. SPIAs convert your premium into income; optional riders add cost.
Can I access funds during a MYGA term?
Most allow 10% free withdrawals annually and RMDs for qualified accounts. Exceeding limits may trigger surrender charges/market value adjustments.
Quick Annuity Calculators
Rough estimates for planning only — not quotes.