Fixed Annuity Reviews

Reviews of traditional fixed annuities and multi-year guaranteed annuities (MYGAs) that offer guaranteed interest rates with principal protection. Rated on rate competitiveness, flexibility, carrier strength, and consumer clarity.

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Fixed annuity reviews

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Showing 1–15 of 384 products

Product	Type	A.M. Best	Surrender	Income rider	Bonus
SecureGain 5 (2025) MassMutual Ascend · Conservative savers who want a fully guaranteed five-year rate from a top-rated carrier, no rider complexity, and a 10% annual withdrawal allowance for flexibility	MYGA	A++	5-yr	—	—	View →
Reliance Guarantee 7-Year Reliance Standard Life · Conservative savers who want a full seven-year rate lock backed by an exceptionally strong carrier, without annual reset risk	MYGA	A++	7-yr	—	—	View →
Fixed Target Annuity 6-Year Guardian · Savers who want a genuinely top-tier carrier behind a six-year guarantee and don't need the money back before the term is up	MYGA	A++	6-yr	—	—	View →
SecureGain 7 (2025) MassMutual Ascend · Conservative savers who want a seven-year locked rate, a top-tier carrier, and clean withdrawal terms without rider complexity	MYGA	A++	7-yr	—	—	View →
Reliance Guarantee 10-Year Reliance Standard Life · Savers with true long-term money who want to lock the highest rate on Reliance Standard's MYGA ladder at an exceptionally strong carrier	MYGA	A++	10-yr	—	—	View →
Fixed Target Annuity 4-Year Guardian · Conservative savers who want a top-rated carrier, a true 4-year rate lock, and no market value adjustment — especially anyone filling a rung of a CD-style ladder that a lot of carriers skip over	MYGA	A++	4-yr	—	—	View →
SecureGain 3 (2025) MassMutual Ascend · Conservative savers who want a guaranteed fixed rate, a short three-year commitment, and the backing of a top-rated carrier	MYGA	A++	3-yr	—	—	View →
Reliance Guarantee 5-Year Reliance Standard Life · Savers who want a short, fully guaranteed rate lock from a top-rated carrier and don't need an income rider or premium bonus	MYGA	A++	5-yr	—	—	View →
Fixed Target Annuity 5-Year Guardian · Savers who want a five-year guaranteed rate backed by one of the strongest-rated carriers in the industry and are comfortable trading some yield for that safety	MYGA	A++	5-yr	—	—	View →
Stable Voyage 4-Year MassMutual · Savers who want a top-rated carrier and a clean, no-MVA 4-year rate lock and aren't chasing the very top of the MYGA rate table	MYGA	A++	4-yr	—	—	View →
Fixed Target Annuity 3-Year Guardian · Buyers who want a short, simple guarantee from the strongest-rated carrier on the shelf and are willing to give up a point or so of yield to get it	MYGA	A++	3-yr	—	—	View →
Premier Voyage 3-Year MassMutual · Conservative savers who want a short, guaranteed-rate commitment backed by one of the strongest balance sheets in the industry	MYGA	A++	3-yr	—	—	View →
Premier Voyage 4-Year MassMutual · Conservative savers with $100,000 or more to commit for four years who value MassMutual's A++ claims-paying strength and the built-in illness waivers more than they need the single highest rate on the market	MYGA	A++	4-yr	—	—	View →
Premier Voyage 5-Year MassMutual · Conservative savers with $100,000 or more who value MassMutual's top-tier claims-paying strength over chasing the highest posted MYGA rate	MYGA	A++	5-yr	—	—	View →
Premier Voyage 6-Year MassMutual · Conservative savers with at least $50,000 who want a guaranteed six-year rate from one of the strongest mutual insurers in the industry and are comfortable with a market value adjustment during the term	MYGA	A++	6-yr	—	—	View →

Fixed annuities and MYGAs are ranked first by carrier A.M. Best rating, then by editorial star rating. Rates are snapshots and vary by premium and state — confirm current terms with the carrier. Information, not a quote or recommendation.

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