Hypothetical example
A guaranteed rate, locked in
Age
62
Premium
$200,000
Goal
guaranteed rate
Worry
Rates dropping before he locks one in.
Sam, 62, has a CD maturing and wants a rate he can count on for the next few years, without watching the market.
What we compared
Three multi year guaranteed annuities, ranked on their guaranteed rate.
| Option | Guaranteed rate | Term | Projected value at term | Surrender term | A.M. Best |
|---|---|---|---|---|---|
| Option A | 6.45% | 8 years | $329,758 | 8 years | A |
| Option B | 6.35% | 6 years | $289,371 | 6 years | A |
| Option C | 6.35% | 10 years | $370,173 | 10 years | A |
The guaranteed rate applies for the stated term. Withdrawals beyond the yearly allowance, or surrender before the term ends, can reduce what you receive. Live rates, refreshed nightly. Quoted for Texas; availability differs by state.
What Sam chose
Sam chose Option A for the highest guaranteed rate over a term he was comfortable with. The trade off he accepted: withdrawals above the yearly allowance carry a surrender charge.
See your own numbers
You're all set
Here's what you'll get
Both are built from your answers.
Lite report
- Your top matches, ranked
- The rate for your age, state and premium
- Index account, with the annual cap or premium bonus
- Surrender term for each product
- The assumptions we used
Add your email on the next screen.
Full report
- Everything in the lite report
- Carrier illustrations side by side, on your figures
- Income projections for the age you would start
- Rider fees, and what each one buys
- The surrender schedule, year by year
- Death benefit and care waiver terms
- A clear answer, including "none of these fit"
Add your phone on the next screen and pick a time.
This is a hypothetical example of how a comparison works, not a real client. Options are real products available in Texas, shown without carrier names. Annuity products are issued by insurance companies and not guaranteed by any bank or the FDIC. Results shown are quoted from current carrier-filed rates under the answers you provide. Rates refresh nightly and change without notice. These are quotes under stated inputs, not projections of market performance, not a guarantee of future income, and not a recommendation to purchase. Licensed insurance professionals affiliated with this site receive commissions from issuing insurance companies when an annuity is purchased.