Discover the Highest Paying Fixed Annuities Today

Key Highlights

• Discover the highest rate fixed annuities available today, with some offering a guaranteed rate above 6%.
• Learn how to compare the best annuity rates from top insurance companies to maximize your returns.
• Understand that fixed annuity interest rates are influenced by market conditions and your investment term.
• Explore options from providers like Allianz, Athene, and New York Life to find the best fixed annuity for you.
• Find out how factors like the insurance company’s rating and withdrawal provisions affect your final choice.
• Get insights into competitive rates and how they can secure your financial future with a stable income stream.

Introduction

Are you looking for a safe and reliable way to grow your retirement savings? A fixed annuity might be the perfect solution for you. This financial product, offered by an insurance company, provides a guaranteed interest rate for a specific period. It’s a straightforward way to protect your principal while earning a predictable return, making it an attractive option for conservative investors. Let’s explore how you can find the highest paying fixed annuities to help you achieve your financial goals.

Explore the Highest Paying Fixed Annuities Available Today

Finding the right fixed annuity involves looking for the highest paying options that align with your financial objectives. Right now, the market is offering some of the best fixed annuity rates we’ve seen in years, with some interest rates climbing above 6%. These competitive options provide a solid, guaranteed rate of return.

When you secure a fixed annuity, the insurance company agrees to pay you a specific interest rate over the life of the annuity contract. This makes it a dependable choice for growing your retirement funds without market volatility. In the following sections, we will look at some of the top fixed annuity products available today.

1. Allianz Life Fixed Annuity – Top Guaranteed Rate

Allianz Life is well-known in the insurance industry for its strong financial backing and reliable annuity products. If your main goal is to lock in a top guaranteed rate, their fixed annuity offerings are certainly worth a look. They provide a sense of security by promising a set interest rate for the entire term of your contract.

This means you know exactly how much your investment will grow, year after year, without any surprises. The stability offered by a major insurance company like Allianz makes their products a popular choice for those seeking the best fixed annuity to protect their principal while earning a competitive return.

When you purchase an annuity contract from Allianz, you are partnering with a company that has a long history of meeting its financial obligations. This peace of mind is crucial, especially when planning for your retirement. Their commitment to providing a solid guaranteed rate helps you build a predictable and secure financial future.

2. Athene Fixed Annuity – Competitive Multi-Year Yield

Athene has made a name for itself by offering some of the most competitive rates in the fixed annuity market, particularly with their Multi-Year Guaranteed Annuities (MYGAs). Their MYGA rates are often among the highest available, making them a go-to for savers looking to maximize their returns over a set period.

When you invest in an Athene MYGA, you lock in attractive interest rates for a term that you choose, typically ranging from three to ten years. This allows your savings to grow at a predictable and steady pace, sheltered from market fluctuations. The appeal of Athene’s products lies in their ability to combine high yields with the safety of a fixed annuity contract.

This is why so many people are asking about the top fixed annuity rates for this month; they want to see how companies like Athene stack up. Their commitment to providing strong, competitive rates ensures that your money is working hard for you throughout the duration of the annuity contract.

3. Fidelity Guarantee Fixed Annuity – Strong Income Options

Fidelity, a trusted name in the financial world, offers fixed annuity products designed to provide a reliable income stream during retirement. While known for a wide range of investment products, their fixed annuities stand out for their strong income options and the security of a guaranteed rate. This makes them a solid choice if your primary goal is generating predictable payments later in life.

The Fidelity Guarantee Fixed Annuity allows you to convert a portion of your savings into a steady source of income you can’t outlive. By locking in one of the best annuity rates available, you can create a financial safety net that complements other retirement assets. This approach helps ensure you have consistent cash flow to cover your expenses.

For those wondering about the highest paying fixed annuities available right now, Fidelity’s offerings provide a compelling blend of competitive returns and dependable income. Their focus on long-term financial security makes their fixed annuity a valuable tool for retirement planning.

4. Nationwide MYGA – Best Income Annuity Rates

Nationwide is a reputable insurance company that offers a range of financial products, including their popular Multi-Year Guaranteed Annuity (MYGA). Their MYGAs are often highlighted for providing some of the best income annuity rates on the market, making them an excellent choice for individuals planning for a secure retirement income.

A Nationwide MYGA provides a fixed annuity with a guaranteed interest rate for a specific term, ensuring your investment grows steadily. This predictability is a key benefit for anyone looking to build a stable financial foundation. By choosing a Nationwide MYGA, you’re partnering with a well-established insurance company known for its financial strength and customer commitment.

As you explore options for 2026 and beyond, companies like Nationwide will likely continue to be leaders in offering competitive guaranteed fixed annuity rates. Their products are designed to deliver consistent returns, helping you achieve your long-term financial goals with confidence and peace of mind.

5. MassMutual Fixed Annuity – Reliable High Returns

MassMutual has built a reputation for financial strength and reliability, and their fixed annuity products are no exception. They are an excellent choice if you’re seeking reliable high returns backed by a company with a long history of stability. A MassMutual fixed annuity offers a fixed interest rate that is guaranteed for the term of your annuity contract.

This means you can count on a specific rate of return, which is a key factor to consider when choosing a high-paying fixed annuity. You don’t have to worry about market downturns affecting your principal or your earnings. The predictability of a MassMutual annuity contract provides a strong foundation for any retirement portfolio.

By choosing a MassMutual fixed annuity, you get the benefit of their consistent performance and commitment to policyholders. Their focus on delivering reliable high returns makes them a top contender for anyone looking to secure their financial future with a product that prioritizes safety and steady growth.

6. New York Life Secure Term – Long-Term Rate Stability

New York Life is another top-tier insurance company known for its financial strength and long-term perspective. Their Secure Term fixed annuity products are designed for individuals who prioritize rate stability over time. With a New York Life annuity contract, you lock in a guaranteed interest rate, ensuring your savings grow predictably.

This emphasis on stability is what makes New York Life a trusted choice for retirement planning. You can rely on the guaranteed interest rate to remain constant throughout your chosen term, protecting your investment from market volatility. This is particularly appealing in an uncertain economic climate.

While some may be searching for fixed annuities offering rates above 6% this year, the long-term rate stability from a highly-rated insurance company like New York Life can be just as valuable. Their products provide a solid, dependable foundation for your retirement savings, giving you peace of mind for the years to come.

7. Brighthouse Financial Fixed Annuity – Enhanced Payouts

Brighthouse Financial offers fixed annuity products that are attractive to those looking for enhanced payouts. Their focus is on providing competitive payout rates that can help maximize your income during retirement. If you’re comparing the highest paying fixed annuities available right now, Brighthouse is a name you should consider.

Their fixed annuity contracts are structured to provide a steady and reliable stream of income. The enhanced payouts can make a significant difference in your retirement lifestyle, giving you more financial freedom. This is achieved through carefully designed annuity contracts that balance growth with strong income potential.

When evaluating a fixed annuity, looking beyond the initial interest rate to the actual payout rates is crucial. Brighthouse Financial understands this and has developed products that aim to deliver more value to you when you start taking distributions. This makes their offerings a compelling option for income-focused retirees.

8. Lincoln Financial Group Fixed Annuity – Flexible Terms

Lincoln Financial Group is an insurance company that provides fixed annuities with flexible terms, catering to a variety of financial needs and timelines. This flexibility allows you to choose a term length that best fits your retirement plan, whether you need a short-term or long-term savings vehicle.

One of the key aspects to consider when you compare different fixed annuity rates is the structure of the annuity contract, including any potential withdrawal charges. Lincoln’s products often come with clear terms regarding withdrawals, helping you understand your access to funds before you commit. This transparency is a hallmark of a reputable insurance company.

The ability to select from flexible terms makes Lincoln Financial Group’s fixed annuities a versatile tool for retirement planning. You can align your investment with your specific goals, ensuring your money is available when you need it while still benefiting from a competitive, guaranteed rate of return.

9. Pacific Life MYGA – Consistently High Interest

Pacific Life is renowned for its Multi-Year Guaranteed Annuities (MYGAs) that offer consistently high interest. If you are looking for top fixed annuity rates this month, Pacific Life’s MYGA rates are likely to be on the list. They focus on delivering strong, consistent returns, which is a major draw for savers.

Their fixed annuity products provide a guaranteed rate for a predetermined period, allowing you to grow your retirement savings with confidence. The combination of high interest and the security of a well-established company makes Pacific Life a popular choice for those seeking to maximize their earnings without taking on market risk.

The consistent performance of Pacific Life’s MYGAs demonstrates their commitment to providing value to their customers. When you invest in one of their fixed annuities, you can trust that you are getting a competitive rate that will help you build a more secure financial future.

10. Global Atlantic Fixed Annuity – Best for Laddering

Global Atlantic offers fixed annuity products that are particularly well-suited for a strategy known as laddering. Laddering involves purchasing multiple annuity contracts with different maturity dates. This approach allows you to take advantage of competitive rates now while giving you access to your money at staggered intervals in the future.

By using Global Atlantic’s fixed rate annuities, you can build a ladder that provides both liquidity and the potential to reinvest at higher rates if they become available. This strategy helps you manage interest rate risk while still enjoying the security of a fixed rate. Global Atlantic offers a range of term lengths that make this strategy easy to implement.

As you plan for 2026 and beyond, considering companies like Global Atlantic for a laddering strategy can be a smart move. Their competitive rates and flexible annuity contract options provide the tools you need to create a diversified and resilient retirement income plan.

11. American Equity Fixed Annuity – Above 6% Rate Options

American Equity is a prominent name in the annuity market, often attracting attention for its competitive interest rates. If you’re searching for fixed annuities offering rates above a 6% rate, American Equity is a company to watch. They are known for providing some of the highest rates available, making their products appealing to those focused on maximizing growth.

An American Equity fixed annuity contract locks in that high rate for a specified term, giving you a powerful tool for wealth accumulation. The security of a fixed annuity, combined with a rate that outpaces many other safe investments, creates a compelling value proposition for retirement savers.

Achieving a return above 6% on a guaranteed investment is a significant advantage in today’s financial landscape. American Equity’s commitment to offering such competitive rates makes their fixed annuity products a top consideration for anyone looking to boost their retirement savings safely and effectively.

12. Protective Life Fixed Annuity – No-Fee Withdrawals

Protective Life stands out by offering fixed annuities with attractive withdrawal provisions, including options for no-fee withdrawals. When comparing different fixed annuity rates, it’s crucial to look at the details of the annuity contract, especially concerning liquidity and potential fees. A feature like free withdrawals adds significant flexibility.

Many annuity contracts impose a withdrawal charge if you take out more than a certain percentage of your funds during the surrender period. However, Protective Life’s products often allow for a portion of your funds to be withdrawn each year without penalty, which can be a major advantage if you need unexpected access to your money.

This provision for no-fee withdrawals makes Protective Life’s fixed annuities a more versatile financial tool. It allows you to benefit from a competitive interest rate while maintaining a degree of liquidity, providing a valuable balance of growth and access that many savers appreciate.

13. Integrity Life MYGA – Top-Rated Insurer

Integrity Life offers Multi-Year Guaranteed Annuities (MYGAs) backed by its status as a top-rated insurer. When you’re entrusting your retirement savings to a company, its financial strength is paramount. High insurance company ratings from agencies like A.M. Best provide an independent assessment of an insurer’s ability to meet its long-term obligations.

Choosing a fixed annuity from a top-rated insurer like Integrity Life gives you an added layer of confidence. You can trust that the company has the financial stability to back the guarantees in your annuity contract. Their MYGA rates are competitive, but it’s the combination of good returns and strong ratings that makes them a compelling choice.

As you look toward the best guaranteed fixed annuity rates for 2026, don’t overlook the importance of the insurer’s rating. Integrity Life’s strong standing in the industry means you can focus on your retirement goals with the peace of mind that your investment is in safe hands.

14. EquiTrust Fixed Annuity – Short-Term High Rates

EquiTrust is a provider that often captures attention with its short-term high rates on fixed annuities. If you’re not looking to lock up your money for a long period but still want to earn a competitive return, EquiTrust’s offerings could be the best fixed annuity for your needs. They specialize in providing attractive fixed interest rates on shorter-term contracts.

This strategy is ideal for savers who want to take advantage of the current high-rate environment without committing to a 7- or 10-year term. By choosing a short-term annuity, you can benefit from a great rate now and have the flexibility to explore other options in a few years.

When you ask to see the top fixed annuity rates for this month, you’ll likely find EquiTrust among the leaders for 2, 3, and 4-year terms. Their focus on providing strong, short-term returns makes them a smart choice for those who value both growth and flexibility in their retirement savings plan.

How to Compare Different Fixed Annuity Rates Effectively

Comparing fixed annuity rates effectively involves more than just looking at the advertised interest rates. To find the best fixed annuity, you need to examine the entire annuity contract. This includes understanding the guaranteed period, the financial strength of the insurance company, and any fees or charges.

By taking a holistic view, you can identify truly competitive rates that align with your financial goals. A higher rate from a less stable company might not be the best choice in the long run. The following sections will guide you through the key metrics and factors to consider.

Understanding Key Rate Metrics (Interest, Guaranteed Period)

When you’re looking at fixed annuities, the most prominent feature is the interest rate. However, to truly understand the value of an offer, you need to look at a few key metrics. These details determine how your money will actually grow.

The fixed interest rate is the percentage your investment will earn each year. But equally important is the guaranteed period, which is the length of time that the fixed rate is locked in. A high rate for a short period may be less beneficial than a slightly lower rate guaranteed for a longer term.

To find the best annuity rates, be sure to assess:

• The Declared Interest Rate: The annual percentage of growth.
• The Guaranteed Period: How long the rate is guaranteed.
• Compounding: Whether interest is compounded annually or calculated as simple interest.
• Initial vs. Renewal Rate: The rate offered after the initial guarantee period ends.

Evaluating Insurance Company Ratings and Stability

A fixed annuity is only as secure as the issuing insurance company that backs it. That’s why evaluating the financial strength and stability of the insurer is a critical step. Independent rating agencies like A.M. Best provide insurance company ratings that assess a company’s ability to meet its financial obligations.

An insurer rating gives you a snapshot of the company’s health. A higher rating (such as A++ or A+) indicates superior financial strength, meaning the company is more likely to be able to pay your benefits, even decades from now. This is a crucial factor to consider when choosing a high-paying fixed annuity.

When reviewing an annuity, pay close attention to:

• A.M. Best Rating: The industry standard for insurer financial strength.
• Other Ratings: Consider ratings from S&P and Moody’s for a broader view.
• Company History: A long track record of stability can be a positive sign.
• State Guaranty Association Coverage: Understand the protection limits in your state.

Reviewing Surrender Charges and Withdrawal Provisions

While a high interest rate is attractive, it’s essential to understand the rules for accessing your money. Most annuity contracts include a surrender period, during which a surrender charge applies if you withdraw more than the allowed amount. These charges can be significant, so reviewing them is a key part of comparing annuities.

However, many annuities offer some liquidity. Look for a withdrawal provision that allows for free withdrawals, typically up to 10% of the account value annually, without incurring a penalty. This feature can provide peace of mind, knowing you have access to a portion of your funds in an emergency.

When examining an annuity contract, check for:

• Surrender Charge Schedule: How the penalty decreases over the surrender period.
• Free Withdrawal Amount: The percentage you can withdraw penalty-free each year.
• Market Value Adjustment (MVA): An additional adjustment that can increase or decrease your withdrawal amount based on current interest rates.
• Waivers for specific events: Some contracts waive charges for terminal illness or nursing home confinement.

Factors Influencing the Best Income Annuity Rates

The best income annuity rates are not set in a vacuum; they are influenced by a variety of economic and company-specific factors. Prevailing interest rates and overall market conditions play a significant role, as does the financial strategy of the insurance company offering the annuity contract.

Understanding these drivers can help you make a more informed decision about when to purchase an annuity and which product to choose. From broad economic trends to the specific terms of your contract, several elements work together to determine your rate. Let’s look at some of these key factors.

Economic Trends and Market Conditions

Broader economic trends and market conditions are major drivers of fixed annuity rates. When general interest rates in the economy are high, insurance companies can earn more on the premiums they invest. This allows them to offer higher rates on their annuity products.

The policies of the Federal Reserve have a direct impact on these rates. When the Fed raises its benchmark rate to control inflation, bond yields typically increase, and the best fixed annuity rates tend to follow suit. This is why periods of rising rates are often an excellent time to lock in a fixed annuity.

Conversely, when the economy slows and the Fed lowers rates, annuity rates tend to decline. Understanding this relationship can help you time your purchase to take advantage of favorable market conditions and secure a better long-term return on your investment.

Duration of Annuity Terms

The duration of your annuity term, also known as the contract term or guaranteed period, has a significant impact on your rate of return. Generally, insurance companies offer higher interest rates for longer terms. This is because they have more time to invest your premium and generate returns.

A fixed deferred annuity with a 7- or 10-year term will typically have a higher rate than one with a 3- or 5-year term. When choosing a term, you’ll need to balance your desire for a higher rate with your need for liquidity. Committing to a longer term means your funds will be less accessible without penalty for a greater period.

This is a key factor to consider when choosing an annuity. If you are comfortable with locking up your funds for a longer duration, you can be rewarded with a more attractive rate of return, which can significantly boost your retirement savings over the life of the contract.

Premium Amount and Payment Options

The premium amount you invest and the payment options you choose can also influence your annuity rate. Some insurance companies offer tiered rates, meaning you might get a slightly higher interest rate if your premium amount exceeds a certain threshold, such as $100,000.

Most fixed annuities are single premium products, meaning you fund the annuity contract with one lump sum payment. This is common for both immediate and deferred annuity types. This single premium is then invested by the insurance company to generate the guaranteed returns promised in your contract.

The choice between different payment options generally applies more to how you receive income later. For accumulation, a single premium deferred annuity is the standard for fixed-rate products. The simplicity of a lump sum investment allows the insurer to immediately put your money to work, securing the rate for the entire term.

Choosing Between Fixed and Fixed Indexed Annuities

When exploring annuities, you may come across both fixed and fixed indexed annuities. While both offer principal protection from market risk, they generate returns in different ways. A standard fixed annuity provides a set, guaranteed rate of return. A fixed indexed annuity, on the other hand, links its growth potential to a market index like the S&P 500.

This difference in how they grow affects their potential payout rates and overall complexity. Understanding these distinctions is key to choosing the product that best aligns with your risk tolerance and retirement goals. Let’s compare their structures.

Differences in Payout Structures and Rate Guarantees

The primary difference between these two annuity products lies in their payout structures and rate guarantees. A fixed annuity offers complete predictability. You receive a guaranteed interest rate for a set term, and your payout rates for future income are based on this known growth. There are no surprises.

A fixed indexed annuity has a more complex structure. Its returns are tied to the performance of an underlying market index, but with limits. You get some of the upside of the market without direct downside risk. Your growth is often limited by caps, participation rates, or spreads, so you won’t capture all of the index’s gains.

The rate guarantees also differ. A fixed annuity guarantees its rate for the entire term. A fixed indexed annuity guarantees your principal will not decline due to market performance, but the interest credited each year can be as low as zero if the index performs poorly.

Risk and Reward Considerations for Each Type

When deciding between a fixed and a fixed indexed annuity, it’s a classic trade-off between risk and reward. Although both protect you from direct market risk by guaranteeing your principal, their potential for returns varies significantly, which appeals to different types of conservative investors.

A traditional fixed annuity is the simpler, more conservative choice. The rate of return is guaranteed, making it a predictable and low-risk option. You know exactly what you will earn. Index annuities introduce a bit more complexity for the potential of higher returns. You could earn more than a fixed annuity if the market does well, but you could also earn nothing in a down year.

Here’s a quick summary:

• Fixed Annuity: Offers a guaranteed, predictable rate of return with no market risk. Best for those who prioritize stability.
• Fixed Indexed Annuity: Offers the potential for higher returns based on market index performance, but with caps and other limits.
• Risk Profile: Fixed annuities have virtually no interest rate risk during the term, while index annuities have the risk of zero growth in some years.
• Complexity: Fixed annuities are straightforward, while index annuities are more complex products to understand.

Conclusion

In summary, exploring the highest paying fixed annuities can be a valuable step toward securing your financial future. With options ranging from Allianz Life’s top guaranteed rates to American Equity’s above 6% rate options, there is something suitable for everyone. Understanding various factors, such as economic trends and the evaluations of insurance companies, can empower you to make informed decisions. Whether you lean towards fixed or fixed indexed annuities, prioritizing your needs and goals will guide you in finding the right fit. If you’re ready to explore your options further, get in touch with our team for personalized advice tailored to your financial aspirations.

Frequently Asked Questions

How often do fixed annuity rates change and why?

Fixed annuity interest rates can change as frequently as weekly or monthly. They are influenced by prevailing market conditions, including bond yields and Federal Reserve policies. Once you purchase an annuity contract, your rate is locked in for the guaranteed term, protecting you from future downward changes.

Is it better to buy a single premium or deferred fixed annuity for higher returns?

Most fixed annuities are single premium deferred annuities (SPDAs). You make one lump-sum payment (single premium) and let it grow tax-deferred. For the highest rate of return, the key factors are the interest rate and term of the annuity contract, not whether it’s single premium or deferred, as most are both.

Where can I find a reliable table comparing fixed annuity rates in the United States?

You can find reliable tables comparing the best fixed annuity rates on financial news websites, independent annuity marketplaces, and from financial advisors. These resources compile interest rates from various insurance companies, allowing you to easily compare offers and find the most competitive options available in the United States.