Best Annuity Rates

Are you looking for the best annuity rates? Of course you are. Because why wouldn't you want the best for your retirement? Unfortunately, comparing different insurers and policies can be time-consuming and unclear. This guide will help you figure out how to find all the best rates out there, including: the best fixed annuity rates, guaranteed annuity rates, variable annuity rates, enhanced annuity rates, and IRA annuity rates. Because you deserve that much.

As with any financial decision, it’s important to work with an expert independent insurance agent who can help answer any questions you may have about annuities and clarify every single detail of your policy options. They'll help search multiple companies for the best rates and make sure you get the right solution for your retirement needs. Pretty great, huh? But first, here's a bit of background to get your search going in the right direction.

Best Fixed Annuity Rates

Fixed annuities are insurance products that provide fixed rates of return that are typically based on the current interest rate environment and market performance. 

How to Choose a Fixed Annuity

As far as how the rates affect your earnings, here's a look at a few of the top companies, their rates, and what it means for you:

Top 2019 Fixed Annuities: 3-Year Term

Top 2019 Fixed Annuities: 5-Year Term

Top 2019 Fixed Annuities: 7-Year Term

Top 2019 Fixed Annuities: 10-Year Term

Best Guaranteed Annuity Rates

Guaranteed annuities are a type of financial product that promises a set amount of income for life, according to the rate of the annuity. 

How to Choose a Guaranteed Annuity

Here's a look at some of the top-rated carriers, their products, and the guaranteed rate they're offering:

Best Variable Annuity Rates

A variable annuity is a type of annuity contract that that has its performance tied to the investments you choose at the start of the policy. When those investments perform well, the payouts from the annuity increase; vice versa, poor-performing investments reduce payouts — and may even reduce the value of your investment.

How to Choose a Variable Annuity

Here's a partial list of companies that currently offer variable annuities:

Because the rates of variable annuities differ widely by each company’s offerings and hinge on the investment’s performance, it's impossible to provide rates in the same manner as fixed annuities. Therefore, it's important to choose an insurer that offers investments in line with your retirement plans and with the lowest fees.

Best Enhanced Annuity Rates

An enhanced annuity provides a higher-than-normal level of income to the purchaser because the individual’s state of health and life expectancy is lower than that of other annuity purchasers. Typically, these fall under the category of a single premium immediate annuity (SPIA),  where the policy holder

Not every insurer offers enhanced annuities and SPIAs, but the following list can give you a basis of comparison to discuss with an independent insurance agent:

How to Choose an Enhanced Annuity

Best IRA Annuity Rates

An individual retirement annuity (IRA) is an investment vehicle designed for the retirement years. Individual retirement annuities are nearly identical to an IRA except they must involve an annuity and are not actively managed. 

The following is a list of  insurers that offer IRA annuities:

How to Choose an IRA Annuity

What's Next?

As you can see, there’s a big difference between rates, insurers, and policy details. That's why selecting a policy that works toward the right retirement goals for you takes expertise, like the kind of know-how only an independent insurance agent can offer.

What's So Great about an Independent Insurance Agent?

Insurance and annuities are complex, and searching through options can be confusing, time-consuming, and frustrating. An independent insurance agent's role is to simplify the process.

They'll make sure you get the right coverage for your own unique needs and break down all the jargon so that you understand exactly what you're getting.