Top multi-year guaranteed annuity (MYGA) rates by term, and what an immediate annuity pays by age. A sourced snapshot — updated monthly, not a quote.
| Term | Top rate |
|---|---|
| 2-year | 5.25% |
| 3-year | 6.00% |
| 5-year | 6.30% Top |
| 7-year | 6.15% |
| 10-year | 6.25% |
Top available rate across surveyed carriers. A-rated carriers typically run ~0.5–0.8% lower (e.g. top 5-year A-rated ~5.5–5.7%). Rates vary by state and premium size and can change without notice — this is a snapshot, not a quote.
| Buy age | Male /mo | Female /mo |
|---|---|---|
| Age 60 | $530 | $503 |
| Age 65 | $625 | $590 |
| Age 70 | $750 | $703 |
| Age 75 | $920 | $859 |
| Age 80 | $1150 | $1080 |
Monthly income per $100,000, single life, life-only option. See the calculator for other premiums and payout options.
Estimate your own payout →Annuity payouts are priced off long-term bond yields — chiefly the 10-year Treasury and corporate bonds the insurer buys to back your contract. When those yields rise, annuity rates rise; when they fall, so do payouts. That's why locking a rate is a bet on where yields go next.
The "top rate" in any table is the single best offer across many carriers — often from a lower-rated insurer. A highly-rated (A or better) carrier typically pays a bit less for the added safety. And every rate varies by state and by how much you deposit. Treat these as a starting point for shopping, never a quote.
Updated monthly. Educational snapshot, not individualized financial advice or a quote. We’re independent and don’t sell annuities.