Pacific Life Offers New Annuity Benefit
Variable annuities from Pacific Life are designed to provide guaranteed lifetime income with growth potential, and a newly introduced optional … Continued
Fixed Annuity Rates
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.
TOP RATES as of 9/16/2019
| 3 Year MYGA | 3.00% |
| 5 Year MYGA | 4.00% |
| 7 Year MYGA | 4.04% |
| 10 Year MYGA | 4.15% |
| 15 Year MYGA | 2.95% |
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FROM OUR BLOG
Fixed Annuities: Facts vs Fears
In an effort to secure the financial resources to maintain a comfortable retirement lifestyle, many consumers are looking at fixed … Continued
Annuity Sales: Upward Trend May Be Coming to a Close
Second quarter annuity sales numbers are in and once again the products sold at a level unseen in more than … 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
Annuity FYI Expert
ARTICLES & GUIDES
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...
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
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 are invested primarily in government securities and high-grade corporate bonds...
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