Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

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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Top 5-year rate

6.30%

B++ or better, yield to surrender

Products
184
Carriers
76
Highest, any rating
6.45%
As of
Oct 26
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5-year MYGA rates

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Carrier
Min rate
MVA
Premium bonus
Premium amount
Showing 1 to 15 of 184 products
Alpine Horizon 5
Mountain Life
6.45%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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Secure Legacy 5 Year
Upstream Life
6.38%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Review →
Synergy Choice 5
Aspida
6.30%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Review →
ECAccumulate
SBLI -Savings Bank Life Insurance of MA
6.30%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Details →
Secure Legacy 5 Year NV
Upstream Life
6.28%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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CL Sundance 5
CL Life
6.25%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Review →
Farmers Safeguard Plus 5
Farmers Life Insurance Company
6.25%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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DirectGrowth 5
Revol One Financial
6.25%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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BreakThrough 5yr
Revol One Financial
6.25%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Details →
Personal Choice Annuity 5
Sentinel Security Life Insurance Company
6.25%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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Waypoint 5 MYGA
Axonic Insurance
6.15%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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DirectGrowth 5 (CA)
Revol One Financial
6.15%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
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DirectGrowth 5 Enhanced Death Benefit
Revol One Financial
6.15%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Details →
DirectGrowth 5 Free Partial Surrender
Revol One Financial
6.15%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Details →
BreakThrough 5yr (CA)
Revol One Financial
6.15%
PER YEAR
5-YR TERM5-YR SURRENDERMVANO BONUS
Details →

Rates are current as of 2026-10-26 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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