What is a Fixed Annuity?

Multi-year guarantee annuity is a term used to describe a fixed annuity that has an interest rate guarantee for the same period of time as its surrender period. For example, an annuity with a guaranteed interest rate of 5% per year for five years, where there are no surrender penalties after five years. Some offer a higher rate the first year, and a lower, but guaranteed rate, for all subsequent years of the surrender period – e.g. 8.5% first year, with a guaranteed renewal at 4% for years 2-5 for a blended average of 4.88% per year for five years. The key feature is that you know what interest rate you get for the entire surrender period, and for this reason we ONLY recommend multi-year guarantee annuities.


CompanyProduct Name
protectivePro Saver Platinum 15
sslicPersonal Choice Annuity 10
libertyBankers Elite 9
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Don’t Ignore Fixed Annuities Because of Low Interest Rates

Although fixed annuity rates are historically low, fixed annuity products still carry value and may provide some financial stability to retirees. In The Motley Fool’s “Fixed Annuity Rates: Dependable Monthly Income,” article author Jordan...

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First Quarter Annuity Trends Help Forecast the Year

First quarter annuity sales indicate that 2015 could be a good year for annuity products.  This information comes from Learn Bonds’ “Q1 Annuity Sales Reports Indicate Positive Growth.”  After last year’s record breaking...

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Annuity Products Can Provide Peace of Mind

For most of our working years, we look forward to the day that we can retire and do whatever we want every day.  But as the reality draws near, impending retirement can cause some anxiety for those who haven’t planned …

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“Fixed annuities are Fixed. Unlike other types of annuities such as; variable annuities, fixed indexed annuities or even renewal – rated fixed annuities, Multi Year Guaranteed Annuities (MYGAs) pay a constant predictable rate of interest each year during the selected guaranteed period. The investor can spend the interest as income or allow it reinvest inside the product on a tax deferred basis. If you’re looking for a predictable interest rate with principal protection and CD’s just aren’t paying enough for your tastes, and bonds seem too risky, a traditional fixed MYGA is probably a good consideration.”

Brian Thomas Horn

Brian Thomas Horn, Financial Advisor

Annuity FYI Expert


Annuity Warning #4: Fixed Annuity Rates

Annuity Warning #4: Fixed Annuity Rates

Typically, an annuity company will give you a particular rate up front on a fixed annuity, and then decrease…

Fixed Tax Deferred Annuities

Fixed Tax Deferred Annuities

Fixed tax deferred annuities are invested primarily in government securities and high-grade corporate bonds…