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 365 products

Product	Type	A.M. Best	Surrender	Income rider	Bonus
American Freedom Classic 5 (2025) MassMutual Ascend · Savers who want a guaranteed fixed rate for five years backed by a top-rated carrier, with no index complexity and no rider fees	MYGA	A++	5-yr	—	—	View →
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 →
Secure Term Choice Fixed Annuity 5-Year New York Life · Conservative savers who want a guaranteed fixed rate locked for 5 years with the backing of the highest-rated carrier in the industry	MYGA	A++	5-yr	—	—	View →
Secure Term Choice Fixed Annuity 6-Year New York Life · Conservative savers who want a fully guaranteed fixed rate for six years, issued by one of the few insurance companies to hold the highest AM Best rating	MYGA	A++	6-yr	—	—	View →
Secure Term Choice Fixed Annuity 7-Year New York Life · Conservative savers who want a guaranteed 7-year locked rate backed by the strongest financial-strength rating in the insurance industry	MYGA	A++	7-yr	—	—	View →
Secure Term Choice Fixed Annuity 8-Year New York Life · Conservative savers who want a fully locked rate from one of the strongest-rated carriers in the country and are comfortable with an 8-year commitment	MYGA	A++	8-yr	—	—	View →
Secure Term Choice Fixed Annuity II 4-Year New York Life · Conservative savers and retirees who want a guaranteed fixed rate from the highest-rated carrier in the business with no market exposure and minimal complexity	MYGA	A++	4-yr	—	—	View →
Secure Term Choice Fixed Annuity II 5-Year New York Life · Conservative savers who want a guaranteed fixed rate from one of the most financially secure carriers in the country, without any indexed complexity	MYGA	A++	5-yr	—	—	View →
Secure Term Choice Fixed Annuity II 6-Year New York Life · Conservative savers who want a fully guaranteed rate, no market exposure, and the credibility of an A++ carrier behind their contract	MYGA	A++	6-yr	—	—	View →
Secure Term Choice Fixed Annuity II 7-Year New York Life · Conservative savers who want a locked multi-year rate backed by one of the strongest-rated insurers in the country and are comfortable with a 7-year commitment	MYGA	A++	7-yr	—	—	View →
Secure Term V Fixed Annuity 5-Year New York Life · Conservative savers who want a fully guaranteed rate from one of the most financially secure carriers in the country, with no market exposure and no rider complexity	MYGA	A++	5-yr	—	—	View →
Secure Term MVA Fixed Annuity 5-Year New York Life · Conservative savers who want a locked five-year guaranteed rate from one of the strongest-rated carriers in the country and are comfortable accepting MVA risk in exchange for slightly better terms	MYGA	A++	5-yr	—	—	View →
Secure Term MVA Fixed Annuity 6-Year New York Life · Conservative savers who want a guaranteed rate locked for six years and are comfortable accepting a market value adjustment in exchange for slightly higher yields	MYGA	A++	6-yr	—	—	View →
Secure Term MVA Fixed Annuity 8-Year New York Life · Conservative savers who want a fully guaranteed fixed rate locked for eight years and are comfortable with a market value adjustment in exchange for the rate premium over the non-MVA version	MYGA	A++	8-yr	—	—	View →
Secure Term MVA Fixed Annuity II 7-Year New York Life · Conservative savers who want a seven-year guaranteed rate from one of the highest-rated carriers in the industry and can commit to leaving the money alone for the full term	MYGA	A++	7-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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