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Multi-year guaranteed · MYGA
Best 5-year annuity rates
Current 5-year multi-year guaranteed annuity (MYGA) rates — a fixed, locked rate for the full 5-year term. Highest right now: 6.38%.
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5-year MYGA rates
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Showing 1–15 of 181 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
| Secure Legacy 5 Year Upstream Life | 5-yr | 6.38% | 5-yr | Yes | — | Review → |
| Alpine Horizon 5 Mountain Life | 5-yr | 6.30% | 5-yr | Yes | — | Review → |
| Secure Legacy 5 Year NV Upstream Life | 5-yr | 6.28% | 5-yr | Yes | — | Review → |
| Personal Choice Annuity 5 Sentinel Security Life Insurance Company | 5-yr | 6.25% | 5-yr | Yes | — | Review → |
| Personal Choice Annuity 5 (FL) Sentinel Security Life Insurance Company | 5-yr | 6.20% | 5-yr | Yes | — | Review → |
| Secure Rate Pro 5 Heartland National | 5-yr | 6.10% | 5-yr | Yes | — | Review → |
| Personal Choice Annuity 5 (CA) Sentinel Security Life Insurance Company | 5-yr | 6.05% | 5-yr | Yes | — | Review → |
| American Freedom Max Growth 5 American Century Life Insurance | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| Anchor MYGA 5 American Gulf | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| Preserve MYGA 5 Clear Spring Life | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| Farmers Safeguard Plus 5 Farmers Life Insurance Company | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| DirectGrowth 5 Revol One Financial | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| Personal Choice Annuity 5 MN Sentinel Security Life Insurance Company | 5-yr | 5.95% | 5-yr | — | — | Review → |
| Secure Summit 5 Mountain Life | 5-yr | 5.90% | 5-yr | Yes | — | Review → |
| DirectGrowth 5 (CA) Revol One Financial | 5-yr | 5.90% | 5-yr | Yes | — | Details → |
Rates are current as of 2026-07-28 and shown for the highest available premium band per product. Rates change frequently and vary by premium amount and state — confirm with the carrier before purchasing. This is rate information, not a quote or a recommendation.
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