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Multi-year guaranteed · MYGA
American Century Life Insurance annuity rates
American Century Life Insurance's current multi-year guaranteed annuity (MYGA) rates — a fixed, locked rate for a set term — across 12 products.
Best rates by term
3-year
5.60%
5-year
6.00%
7-year
6.00%
10-year
6.05%
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American Century Life Insurance products & terms
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Showing 1–12 of 12 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
| American Freedom Max Growth 10 American Century Life Insurance | 10-yr | 6.05% | 10-yr | Yes | — | Details → |
| American Freedom Max Growth 5 American Century Life Insurance | 5-yr | 6.00% | 5-yr | Yes | — | Details → |
| American Freedom Max Growth 7 American Century Life Insurance | 7-yr | 6.00% | 7-yr | Yes | — | Details → |
| American Spirt SPDA - 10 Interest Only American Century Life Insurance | 10-yr | 5.85% | 10-yr | Yes | — | Details → |
| American Spirit SPDA - 7 Interest Only American Century Life Insurance | 7-yr | 5.80% | 7-yr | Yes | — | Details → |
| American Spirt SPDA - 10 Base American Century Life Insurance | 10-yr | 5.80% | 10-yr | Yes | — | Details → |
| American Spirt SPDA - 5 Interest Only American Century Life Insurance | 5-yr | 5.80% | 5-yr | Yes | — | Details → |
| American Spirit SPDA - 7 Base American Century Life Insurance | 7-yr | 5.75% | 7-yr | Yes | — | Details → |
| American Spirt SPDA - 5 Base American Century Life Insurance | 5-yr | 5.75% | 5-yr | Yes | — | Details → |
| American Freedom Max Growth 3 American Century Life Insurance | 3-yr | 5.60% | 3-yr | Yes | — | Details → |
| American Spirt SPDA - 3 Interest Only American Century Life Insurance | 3-yr | 5.55% | 3-yr | Yes | — | Details → |
| American Spirit SPDA - 3 Base American Century Life Insurance | 3-yr | 5.50% | 3-yr | Yes | — | Details → |
Best current rate per product and term, as of 2026-07-27. Rates vary by premium amount and state and change frequently — confirm with the carrier. Rate information, not a quote or recommendation.
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