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 →

Expert review · 2026

Ceres Life review

Annuity Atlas covers 6 Ceres Life annuity products with live rates and contract specs. 6 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked
6
MYGA yield (lineup max)
5.30% · 7yr · MYGA 7-Year
Surrender range
3–10 years
Rate as of Apr 6, 2026
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Products covered
6
A.M. Best
B++
Categories covered
MYGA · FIA · Income

6 Ceres Life annuities

Click any product for rates, specs, and the full peer-group review.

MYGA 7-Year
Buyers set on Ceres Life specifically who want the longest guarantee period the carrier offers and are comfortable with a B++ rated carrier
B++
A.M. BEST
MYGA7-YR SURRENDER
Review →
MYGA 5-Year
Yield-focused savers who are comfortable weighing a mid-tier A.M. Best rating against one of the more competitive 5-year MYGA rates currently on the market
B++
A.M. BEST
MYGA5-YR SURRENDER
Review →
MYGA 3-Year
Rate-focused MYGA shoppers who are comfortable with a B++-rated carrier and won't need money beyond the free-withdrawal allowance during the three-year term
B++
A.M. BEST
MYGA3-YR SURRENDER
Review →
Graybar Ascend
Buyers who want a straightforward, fee-free accumulation FIA and are comfortable committing a decade of money to a mid-tier carrier
B++
A.M. BEST
FIA10-YR SURRENDER
Review →
Graybar Ascend with Bonus
A buyer certain they will hold past year 11 who specifically values a higher day-one account value, even at the cost of materially weaker crediting than the no-bonus sibling
B++
A.M. BEST
FIA10-YR SURRENDERBONUS 14%
Review →
Graybar IncomePlus
Someone who is certain they want guaranteed lifetime income, plans to defer for several years, and is comfortable trusting a B++ carrier with a decades-long promise
B++
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.10% annually (2.50% max) FEEBONUS 8%
Review →

Income rider fees

Disclosed charges for optional riders on Ceres Life products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Graybar GLWBGraybar IncomePlus1.10% annually (2.50% max)

Frequently asked questions

Is Ceres Life a good annuity company?
We have reviewed 6 Ceres Life products, and A.M. Best rates the carrier B++ for financial strength.
What are the fees for Ceres Life annuities?
Fee structures vary by product. Optional income riders on Ceres Life products carry disclosed charges, for example Graybar GLWB (Graybar IncomePlus): 1.10% annually (2.50% max). See each product review for the full fee detail.
What is the surrender period for Ceres Life annuities?
Surrender periods on Ceres Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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