Home / Fixed Annuity Rates
vid-thumb-variable

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.

Continue


TOP RATES as of 11/4/2019

3 Year MYGA 3.00%
5 Year MYGA 3.90%
7 Year MYGA 3.89%
10 Year MYGA 4.00%
15 Year MYGA 2.95%
Request Company and Product Details
Click Here for Complete List...

FROM OUR BLOG

Today’s Annuity News

Here’s a look at some of the recent happenings in the annuity industry, according to ThinkAdvisor.  There are two new … Continued

State Regulators: No On ‘Best Interest’ Annuity Sales Rule

State insurance commissioners have been debating annuity regulation proposals for quite some time, and it appears that the conflict has … Continued

Fixed Indexed Annuities and Retirement Income Planning

In times of market volatility, such as this, many are turning to fixed indexed annuities as a safer way to … Continued

ADVISOR INSIGHT

"Fixed annuities are often overlooked due to bells and whistles associated with indexed annuities. A Multi Year Guaranteed Annuity (MYGAs) pays a constant and guaranteed rate of interest each year during the selected period. The investor can spend the interest as income or allow it to compound inside the contract in a tax deferred basis. The simplicity and predictable outcome allows for many different uses including RMD distributions, wealth transfer and accumulation. As with any annuity contract it is important to understand the differences between the products. The most common mistake is taking the highest interest rate without factoring the liquidity provisions and duration of commitment."

Derek Stamos, Financial Advisor
Annuity FYI Expert

ARTICLES & GUIDES

If you’re in the stock market, is it time to lower your risk and protect your gains by turning to less risky financial vehicles? Is the next recession on the horizon?

As Recession Fears Rise, is it Time to Lower Your Risk and Protect Gains?

Should investors with significant stock market exposure lower their risk and protect their gains? In large part, it depends upon your risk tolerance, as well as your age. Bear markets typically accompany recessions and can be particularly painful for retirees, most of whom no longer earn a paycheck. On the other hand, sound stock market investing is a long-term game...
The bottom line is this: Interest rates that have been pretty good are now very good and are more and more likely to stay this way for some time. So assuming that they will not be trimmed by insurance companies, Atlantic Coast Life MYGAs and others paying highly competitive rates today are extremely attractive.

Product Review:
Atlantic Coast Life Safe Haven

The Atlantic Coast Life Safe Haven's payout rate (up to 4.19%) is the best available. Guaranteed, short terms, no fees. The bottom line is this: Interest rates that have been pretty good are now very good. Assuming that they will not be trimmed by insurance companies, Atlantic Coast Life MYGAs, and others paying highly competitive rates today, are extremely attractive...
 If you happened to purchase a 10-year fixed annuity a decade ago, you nabbed what turned out to be a fabulous deal. They were typically yielding 6.5% to 7% annually – not a match for historic stock market returns, but extremely impressive for a guaranteed fixed-rate investment. Alas, those contracts are now maturing, leaving investors with the decision of what to do now.

As Particularly Generous Decade-Old Fixed Annuities Mature, What Should You Do?

Many fortunate investors bought 10-year fixed annuities a decade ago, when interest rates were markedly higher as a direct result of the Great Recession ....
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...

TESTIMONIALS
2019-06-30
     
I've enjoyed having the top rated annuities available so I can investigate each of them myself. Annuities can be difficult to understand but with the information provided by Annuity FYI, I have learned more with every email I've received.
2017-12-21
     
Through our phone conversions (more than one!), they treated me like an intelligent adult and offered excellent guidance in making and timing my annuity decision so that it was best for me and my income needs.
2018-04-15
     
Dekek and the gang did a superb job of helping me find the right choices.

Annuityfyi.com - Prefooter

Contact

Mailing Address:

1165 NE 105 St.
Miami Shores, FL 33138

Email:

support@annuityfyi.com

Phone:

(866) 223-2121

Follow Us On

Click for the BBB Business Review of this Annuities in Miami Shores FL

Copyright © 2019 AFYI Holdings Group, LLC, All Rights Reserved

Share On Facebook
Share On Twitter
Share On Linkedin
Share On Pinterest