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Annuity Rates

Compare today’s best MYGA rates from A-rated carriers. Updated daily from AnnuityRateWatch — see rates by term length or find the best rates available in your state.

Compare today’s best MYGA and fixed annuity rates from A-rated carriers, updated every 6 hours. Use the table below to sort by rate, term, or carrier — or filter to a specific term length.

Rates updated: April 5, 2026 Source: AnnuityRateWatch · A-rated carriers only · 104 products shown
104 rates shown
Carrier Product AM Best Rate Term Min. Premium Free Withdrawal
Knighthead Life Staysail 7 (Simple Interest) SI A- 6.50%Top Rate 7 yr $100,000 0%
Knighthead Life Staysail 7 CA (Simple Interest) SI A- 6.40% 7 yr $100,000 0%
Knighthead Life Staysail 5 (Simple Interest) SI A- 6.30%Top Rate 5 yr $100,000 0%
Knighthead Life Staysail 5 CA (Simple Interest) SI A- 6.20% 5 yr $100,000 0%
Ibexis MYGA Plus 7 (Simple Interest) SI A- 5.95% 7 yr $100,000 10%
Knighthead Life Staysail 7 With Liquidity (Simple Interest) SI A- 5.95% 7 yr $100,000 10%
Ibexis MYGA Plus 7 (Simple Interest) CA SI A- 5.85% 7 yr $100,000 10%
Knighthead Life Staysail 7 CA with Liquidity (Simple Interest) SI A- 5.85% 7 yr $100,000 10%
Ibexis MYGA Plus 5 (Simple Interest) SI A- 5.75% 5 yr $100,000 10%
Knighthead Life Staysail 5 With Liquidity (Simple Interest) SI A- 5.75% 5 yr $100,000 10%
Axonic Insurance Waypoint 5 MYGA A- 5.65% 5 yr $100,000 10%
Fidelity Security Life Insurance Company TaxVantage® Multi-Year Guaranteed Annuity 5 A 5.65% 5 yr $2,500 0%
Ibexis MYGA Plus 5 (Simple Interest) CA SI A- 5.65% 5 yr $100,000 10%
Knighthead Life Staysail 5 CA With Liquidity A- 5.65% 5 yr $100,000 10%
Knighthead Life Staysail 3 (Simple Interest) SI A- 5.60%Top Rate 3 yr $100,000 0%
Fidelity Security Life Insurance Company TaxVantage® Multi-Year Guaranteed Annuity 7 A 5.60% 7 yr $2,500 0%
Oxford Life Insurance Company Multi-Select 6 A 5.55%Top Rate 6 yr $20,000 10%
Knighthead Life Staysail 3 CA (Simple Interest) SI A- 5.50% 3 yr $100,000 0%
Axonic Insurance Waypoint 7 MYGA A- 5.50% 7 yr $100,000 10%
Liberty Bankers Life Heritage Elite 9 A- 5.50%Top Rate 9 yr $10,000 0%
Axonic Insurance Waypoint 10 MYGA A- 5.50%Top Rate 10 yr $100,000 10%
Liberty Bankers Life Heritage Elite 7 A- 5.45% 7 yr $10,000 0%
Oxford Life Insurance Company Multi-Select 7 A 5.45% 7 yr $20,000 10%
Liberty Bankers Life Heritage Premier 9 A- 5.45% 9 yr $10,000 Interest Only
Oceanview Life and Annuity Harbourview 10 A 5.45% 10 yr $70,000 10%
Axonic Insurance Waypoint 3 MYGA A- 5.40% 3 yr $100,000 10%
Liberty Bankers Life Heritage Elite 5 A- 5.40% 5 yr $10,000 0%
Liberty Bankers Life Heritage Premier 7 A- 5.40% 7 yr $10,000 Interest Only
Liberty Bankers Life Heritage Premier 5 A- 5.35% 5 yr $10,000 Interest Only
Oceanview Life and Annuity Harbourview 6 A 5.35% 6 yr $70,000 10%
Liberty Bankers Life Heritage Premier Plus 9 A- 5.35% 9 yr $10,000 Interest Only
Aspida Synergy Choice 7 A- 5.30% 7 yr $100,000 0%
Royal Neighbors of America MYGA 10 Year A 5.30% 10 yr $100,000 Interest Only
Fidelity Security Life Insurance Company TaxVantage® Multi-Year Guaranteed Annuity 3 A 5.25% 3 yr $2,500 0%
Knighthead Life Staysail 3 With Liquidity (Simple Interest) SI A- 5.25% 3 yr $100,000 10%
American National Insurance Company Palladium MYG Annuity 7 A 5.25% 7 yr $250,000 10%
Liberty Bankers Life Heritage Premier Plus 7 A- 5.25% 7 yr $10,000 Interest Only
Oceanview Life and Annuity Harbourview 7 A 5.25% 7 yr $70,000 10%
Liberty Bankers Life Heritage Classic 9 A- 5.25% 9 yr $10,000 10%
Ibexis MYGA Plus 3 (Simple Interest) SI A- 5.20% 3 yr $100,000 10%
Oxford Life Insurance Company Multi-Select 5 A 5.20% 5 yr $20,000 10%
Royal Neighbors of America MYGA 5 Year A 5.20% 5 yr $100,000 Interest Only
Oxford Life Insurance Company Multi-Select 8 A 5.20%Top Rate 8 yr $20,000 10%
Royal Neighbors of America MYGA 9 Year CA A 5.20% 9 yr $100,000 Interest Only
Securian Financial SecureOption Choice 9 A+ 5.20% 9 yr $500,000 10%
Knighthead Life Staysail 3 CA With Liquidity (Simple Interest) SI A- 5.15% 3 yr $100,000 10%
American National Insurance Company Palladium MYG Annuity 5 A 5.15% 5 yr $250,000 10%
Liberty Bankers Life Heritage Classic 5 A- 5.15% 5 yr $10,000 10%
Liberty Bankers Life Heritage Premier Plus 5 A- 5.15% 5 yr $10,000 Interest Only
Oxford Life Insurance Company Multi-Select 10 A 5.15% 10 yr $20,000 10%
Ibexis MYGA Plus 3 (Simple Interest) CA SI A- 5.10% 3 yr $100,000 10%
Oxford Life Insurance Company Multi-Select 4 A 5.10%Top Rate 4 yr $20,000 10%
Clear Spring Life Preserve MYGA 6 A- 5.10% 6 yr $100,000 10%
Clear Spring Life Preserve MYGA 8 A- 5.10% 8 yr $100,000 10%
Clear Spring Life Preserve MYGA 9 A- 5.10% 9 yr $100,000 10%
Oxford Life Insurance Company Multi-Select 9 A 5.10% 9 yr $20,000 10%
Securian Financial SecureOption Choice 9 CA A+ 5.10% 9 yr $500,000 10%
American National Insurance Company Palladium MYG Annuity 10 A 5.10% 10 yr $250,000 10%
Clear Spring Life Preserve MYGA 10 A- 5.10% 10 yr $100,000 10%
Reliance Standard Life Reliance Guarantee - 10 A++ 5.10% 10 yr $20,000 10%
Axonic Insurance Waypoint 2 MYGA A- 5.00%Top Rate 2 yr $100,000 10%
Oceanview Life and Annuity Harbourview 4 A 5.00% 4 yr $70,000 10%
Pacific Guardian Life Diamond Head 6 A 5.00% 6 yr $10,000 10%
Pacific Guardian Life Diamond Head 8 A 5.00% 8 yr $10,000 10%
Pacific Guardian Life Diamond Head 9 A 5.00% 9 yr $10,000 10%
Pacific Guardian Life Diamond Head 10 A 5.00% 10 yr $10,000 10%
Lincoln Financial Lincoln MYGuarantee Plus 10 A 4.95% 10 yr $100,000 10%
Athene IA Athene Max Rate 3 A+ 4.90% 3 yr $100,000 Interest Only
Athene IA Athene Max Rate 3 (state specific) A+ 4.90% 3 yr $100,000 Interest Only
Clear Spring Life Preserve MYGA 4 A- 4.90% 4 yr $100,000 10%
Midland National Life MNL Guarantee Pro 3 A+ 4.85% 3 yr $100,000 Interest Only
Symetra Life Insurance Company Symetra Select Max 3 A 4.85% 3 yr $250,000 Interest Only
North American Company NAC Guarantee Plus 3 A+ 4.80% 3 yr $100,000 Interest Only
Pacific Guardian Life Diamond Head 3 A 4.80% 3 yr $10,000 10%
Symetra Life Insurance Company Symetra Select Pro 3 A 4.80% 3 yr $250,000 15%
Pacific Guardian Life Diamond Head 4 A 4.80% 4 yr $10,000 10%
GBU Life Asset Guard Select 2 A- 4.75% 2 yr $25,000 10%
GBU Life Asset Guard Select 4 A- 4.75% 4 yr $25,000 10%
Guardian Insurance & Annuity Co. Guardian Fixed Target Annuity 6 A++ 4.70% 6 yr $100,000 10%
Mass Mutual Premier Voyage 6 A++ 4.70% 6 yr $1,000,000 10%
Oceanview Life and Annuity Harbourview 2 A 4.60% 2 yr $70,000 10%
S.USA Life Insurance Company, Inc. Select Choice® Plus 1 (4) Year Plan Base Policy MVA A- 4.55% 4 yr $100,000 0%
The Standard Focused Growth Annuity 10 A 4.55% 10 yr $100,000 Interest Only
Corebridge Financial Corebridge Pathway Choicesm Fixed 4 Annuity GROP A 4.50% 4 yr $100,000 10%
Guaranty Income Life Guaranty Rate Lock 4 A- 4.50% 4 yr $100,000 5%
S.USA Life Insurance Company, Inc. Select Choice® Plus 3 (4) Year Plan (Base + PFW) MVA A- 4.50% 4 yr $100,000 10%
American General Life Insurance Company American Pathway VisionMYG 10 A 4.50% 10 yr $100,000 15%
Corebridge Financial American Pathway VisionMYG 10 A 4.50% 10 yr $100,000 15%
S.USA Life Insurance Company, Inc. Select Choice® Plus 2 (4) Year Plan (Base + ROP) MVA A- 4.45% 4 yr $100,000 0%
Mass Mutual Premier Voyage 4 A++ 4.40% 4 yr $1,000,000 10%
S.USA Life Insurance Company, Inc. Select Choice® Plus 1 (4) Year Plan Base Policy A- 4.40% 4 yr $100,000 0%
S.USA Life Insurance Company, Inc. Select Choice® Plus 3 (4) Year Plan (Base + PFW) A- 4.35% 4 yr $100,000 10%
S.USA Life Insurance Company, Inc. Select Choice® Plus 4 (4) Year Plan (Base + ROP + PFW) MVA A- 4.35% 4 yr $100,000 10%
Corebridge Financial Corebridge Pathway Choicesm Fixed 4 Annuity A 4.30% 4 yr $100,000 10%
American General Life Insurance Company American Pathway VisionMYG 6 A 4.15% 6 yr $100,000 15%
Corebridge Financial American Pathway VisionMYG 6 A 4.15% 6 yr $100,000 15%
Guaranty Income Life Guaranty Rate Lock 6 A- 4.10% 6 yr $100,000 5%
Guaranty Income Life Guaranty Rate Lock 8 A- 4.10% 8 yr $100,000 5%
Guaranty Income Life Guaranty Rate Lock 9 A- 4.10% 9 yr $100,000 5%
Guaranty Income Life Guaranty Rate Lock 10 A- 4.10% 10 yr $100,000 5%
Integrity Life Insurance Company MultiVantage 10 A+ 4.00% 10 yr $20,000 10%
Integrity Life Insurance Company New Momentum 10 A+ 3.75% 10 yr $5,000 10%
Integrity Life Insurance Company New Momentum 6 A+ 3.60% 6 yr $5,000 10%
Mass Mutual Premier Voyage 2 A++ 3.45% 2 yr $1,000,000 10%

Rates are for informational purposes only and subject to change without notice. Only carriers rated A− or better by AM Best are included. Products marked SI use simple interest — the effective compound yield is lower than the stated rate. Click any column header to sort. Always verify current rates with a licensed annuity broker before purchasing.

Compare Rates by Term Length

Not sure which term is right for you? Each term has a different rate profile. Shorter terms offer more flexibility; longer terms typically lock in higher rates.

What Are MYGA Rates?

A MYGA (Multi-Year Guaranteed Annuity) rate is the fixed interest rate an insurance company guarantees for the entire contract term — typically 2 to 10 years. Unlike a CD, interest inside a MYGA grows tax-deferred until withdrawal. Unlike a savings account, the rate is locked in and cannot change during the guarantee period.

Rates in the table above are from A-rated carriers only (AM Best A- or better). We exclude B-rated and unrated carriers to protect you from counterparty risk.

To understand what moves rates up and down, see our guide: How Are Annuity Rates Set? For historical context, see Annuity Rate Trends 2026.

Find Rates in Your State

Not all products are available in every state. Use our state rate pages to see exactly which carriers and products are available where you live, along with your state’s guaranty association protection limits.

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