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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: 6.45%.
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5-year MYGA rates
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Showing 1–15 of 278 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
Safe Harbor 5-Year Atlantic Coast | 5-yr | 6.45% | 5-yr | Yes | 1% | |
Alpine Horizon 5 Mountain Life | 5-yr | 6.35% | 5-yr | Yes | — | |
Anchor MYGA 5-Year Gulf Guaranty Life Insurance | 5-yr | 6.30% | 5-yr | Yes | — | |
Staysail 5-Year Merit Life Insurance Co. | 5-yr | 6.30% | 5-yr | Yes | — | |
Personal Choice Annuity™5 Sentinel Security Life | 5-yr | 6.25% | 5-yr | Yes | — | |
Safeguard Plus® Multi-Year Guaranteed Annuity 5 Farmers Life Insurance | 5-yr | 6.00% | 5-yr | Yes | — | |
Secure Legacy 5-Year Upstream Life Insurance Co. | 5-yr | 6.00% | 5-yr | Yes | — | |
MYGA PlusTM 5-Year Ibexis Life & Annuity | 5-yr | 5.90% | 5-yr | Yes | — | |
AnnuityAdvantage® Classic MYGA 5-Year American Life & Security Corporation | 5-yr | 5.83% | 5-yr | Yes | 0.6% | |
American Life Fee-Based Fixed Deferred Annuity 5-Year American Life & Security Corporation | 5-yr | 5.80% | 5-yr | Yes | — | |
IQumulateTM Single Premium Deferred Annuity 5-Year Baltimore Life | 5-yr | 5.80% | 5-yr | Yes | — | |
Incline Advisory MYGA 5-Year AmFirst Insurance | 5-yr | 5.75% | 5-yr | Yes | — | |
Secure Rate Multi-Year Guarantee Annuity 5-Year Heartland National Life | 5-yr | 5.75% | 5-yr | Yes | — | |
Staysail 5-Year with Liquidity Rider Merit Life Insurance Co. | 5-yr | 5.75% | 5-yr | Yes | — | |
Secure Summit 5 Mountain Life | 5-yr | 5.75% | 5-yr | Yes | — |
Rates are current as of 2026-05-20 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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