Fixed Annuity Rates

Compare current fixed annuity rates across carriers in a simple, side-by-side format.

View current fixed annuity rates across available carriers in a simple, side-by-side format. This tool is designed to help you quickly compare options and support client conversations.

Rates are updated regularly, but may change at any time and can vary by state, product, and specific case details. Always confirm final rates and availability with the carrier before presenting or submitting business.

Use this page as a starting point, then refer to carrier materials and quoting tools for complete and up-to-date information.

MYGAs

Tap to sort by…
AM Best Rating
SILAC Insurance Company
Secure Savings Elite 5
Product
4.75
%
Rate
Term
5
Years
AM Best
B Fair
SILAC Insurance Company
Secure Savings Elite 3
Product
4.50
%
Rate
Term
3
Years
AM Best
B Fair
SILAC Insurance Company
Secure Savings Elite 2
Product
3.90
%
Rate
Term
2
Years
AM Best
B Fair
SILAC Insurance Company
Secure Savings 5
Product
3.45
%
Rate
Term
5
Years
AM Best
B Fair
SILAC Insurance Company
Secure Savings 3
Product
3.15
%
Rate
Term
3
Years
AM Best
B Fair
SILAC Insurance Company
Secure Savings 2
Product
2.60
%
Rate
Term
2
Years
AM Best
B Fair
Western United Life Assurance Company
Navigator Elite 7
Product
5.45
%
Rate
Term
7
Years
AM Best
B+ Good
Western United Life Assurance Company
Navigator Elite 5
Product
5.45
%
Rate
Term
5
Years
AM Best
B+ Good
Western United Life Assurance Company
Navigator Elite 3
Product
4.85
%
Rate
Term
3
Years
AM Best
B+ Good
Royal Neighbors of America
MYGA 5-year: Less than $100,000
Product
5.35
%
Rate
Term
5
Years
AM Best
A Excellent
Royal Neighbors of America
MYGA 5-year: $100,000+
Product
5.45
%
Rate
Term
5
Years
AM Best
A Excellent
Royal Neighbors of America
MYGA 3-year: Less than $100,000
Product
4.40
%
Rate
Term
3
Years
AM Best
A Excellent
Royal Neighbors of America
MYGA 3-year: $100,000+
Product
4.50
%
Rate
Term
3
Years
AM Best
A Excellent
Royal Neighbors of America
MYGA 10-year: Less than $100,000
Product
5.50
%
Rate
Term
10
Years
AM Best
A Excellent
Royal Neighbors of America
MYGA 10-year: $100,000+
Product
5.60
%
Rate
Term
10
Years
AM Best
A Excellent
Oxford Life Insurance Company®
Multi-Select 6
Product
5.40
%
Rate
Term
6
Years
AM Best
A Excellent
Oxford Life Insurance Company®
Multi-Select 5
Product
5.00
%
Rate
Term
5
Years
AM Best
A Excellent
Oxford Life Insurance Company®
Multi-Select 3
Product
4.55
%
Rate
Term
3
Years
AM Best
A Excellent
Oxford Life Insurance Company®
Multi-Select 10
Product
5.25
%
Rate
Term
10
Years
AM Best
A Excellent
Athene
MaxRate 7: Less than $100,000
Product
5.00
%
Rate
Term
7
Years
AM Best
A+ Superior
Athene
MaxRate 7: $100,000+
Product
5.30
%
Rate
Term
7
Years
AM Best
A+ Superior
Athene
MaxRate 5: Less than $100,000
Product
4.95
%
Rate
Term
5
Years
AM Best
A+ Superior
Athene
MaxRate 5: $100,000+
Product
5.20
%
Rate
Term
5
Years
AM Best
A+ Superior
Athene
MaxRate 3: Less than $100,000
Product
4.75
%
Rate
Term
3
Years
AM Best
A+ Superior
Athene
MaxRate 3: $100,000+
Product
5.00
%
Rate
Term
3
Years
AM Best
A+ Superior
ELCO Mutual Life & Annuity
Guardian Eagle 7
Product
5.00
%
Rate
Term
7
Years
AM Best
B++ Good
ELCO Mutual Life & Annuity
Guardian Eagle 5
Product
5.40
%
Rate
Term
5
Years
AM Best
B++ Good
ELCO Mutual Life & Annuity
Guardian Eagle 3
Product
5.15
%
Rate
Term
3
Years
AM Best
B++ Good
ELCO Mutual Life & Annuity
Guardian Eagle 2
Product
4.25
%
Rate
Term
2
Years
AM Best
B++ Good
ELCO Mutual Life & Annuity
Guardian Eagle 10
Product
5.00
%
Rate
Term
10
Years
AM Best
B++ Good
EquiTrust Life Insurance Company
Certainty Select 3
Product
5.00
%
Rate
Term
3
Years
AM Best
B++ Good
EquiTrust Life Insurance Company
Certainty Select 5
Product
5.25
%
Rate
Term
5
Years
AM Best
B++ Good
EquiTrust Life Insurance Company
Certainty Select 6
Product
5.35
%
Rate
Term
6
Years
AM Best
B++ Good
EquiTrust Life Insurance Company
Certainty Select 8
Product
5.40
%
Rate
Term
8
Years
AM Best
B++ Good
EquiTrust Life Insurance Company
Certainty Select 10
Product
5.50
%
Rate
Term
10
Years
AM Best
B++ Good
Heartland National Life Insurance Company
Secure Rate 3
Product
5.40
%
Rate
Term
3
Years
AM Best
B++ Good
Heartland National Life Insurance Company
Secure Rate 5
Product
5.75
%
Rate
Term
5
Years
AM Best
B++ Good
Heartland National Life Insurance Company
Secure Rate 7
Product
5.80
%
Rate
Term
7
Years
AM Best
B++ Good
Heartland National Life Insurance Company
Secure Rate 10
Product
5.90
%
Rate
Term
10
Years
AM Best
B++ Good
Liberty Bankers Life
Heritage Elite 3
Product
4.75
%
Rate
Term
3
Years
AM Best
A- Excellent
Liberty Bankers Life
Heritage Elite 5
Product
5.40
%
Rate
Term
5
Years
AM Best
A- Excellent
Liberty Bankers Life
Heritage Elite 7
Product
5.45
%
Rate
Term
7
Years
AM Best
A- Excellent
Liberty Bankers Life
Heritage Elite 9
Product
5.50
%
Rate
Term
9
Years
AM Best
A- Excellent
Oceanview
Harbourview Standard 2
Product
4.45
%
Rate
Term
2
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 3
Product
4.70
%
Rate
Term
3
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 4
Product
4.85
%
Rate
Term
4
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 5
Product
4.50
%
Rate
Term
5
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 6
Product
5.15
%
Rate
Term
6
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 7
Product
5.05
%
Rate
Term
7
Years
AM Best
A Excellent
Oceanview
Harbourview Standard 10
Product
5.30
%
Rate
Term
10
Years
AM Best
A Excellent
Oceanview
Harbourview Select 2
Product
4.80
%
Rate
Term
2
Years
AM Best
A Excellent
Oceanview
Harbourview Select 3
Product
5.05
%
Rate
Term
3
Years
AM Best
A Excellent
Oceanview
Harbourview Select 4
Product
5.20
%
Rate
Term
4
Years
AM Best
A Excellent
Oceanview
Harbourview Select 5
Product
4.85
%
Rate
Term
5
Years
AM Best
A Excellent
Oceanview
Harbourview Select 6
Product
5.50
%
Rate
Term
6
Years
AM Best
A Excellent
Oceanview
Harbourview Select 7
Product
5.40
%
Rate
Term
7
Years
AM Best
A Excellent
Oceanview
Harbourview Select 10
Product
5.65
%
Rate
Term
10
Years
AM Best
A Excellent
CL Life
CL Sundance 2-Year
Product
5.15
%
Rate
Term
3
Years
AM Best
B++ Good
CL Life
CL Sundance 3-Year
Product
5.50
%
Rate
Term
3
Years
AM Best
B++ Good
CL Life
CL Sundance 5-Year
Product
5.70
%
Rate
Term
5
Years
AM Best
B++ Good
CL Life
CL Tarrant Trail
Product
5.83
%
Rate
Term
6
Years
AM Best
B++ Good
Disclaimer: Rider deductions offered on some products. Rates may vary with certain states. Some products not available in certain states (refer to carrier product state availability grid)

Need Help Placing an Annuity Case?

If you’re reviewing options or preparing for a client conversation, the New Horizons team can help you evaluate products, confirm details, and take the next step with confidence.