Fixed Annuity Reviews

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Surrender

≤5 yr6 to 7 yr8 to 10 yr11+ yr

Showing 1 to 15 of 438 products

Product	Type	Standing	Surrender	Income rider	Bonus
Aspida Synergy Choice MYGA 7-Year Aspida Life Insurance Company · Independent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate in Aspida's agent-channel 7-year MYGA lineup and have a genuine 7-year capital horizon without needing emergency access waivers	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Alpine Horizon 5 Mountain Life · Buyers who want the highest locked rate in Mountain Life's Alpine Horizon ladder and have already made peace with a below-investment-grade carrier for a 5-year term	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
Secure Legacy 4 Year Upstream Life · Buyers in an approved state who are comfortable with an unrated carrier and want a locked 5.90% rate, though the 3-year version of this same product pays the identical rate with a shorter commitment	MYGA	Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026	4-yr	—	—	View →
Alpine Horizon 3 Mountain Life · Conservative savers in an approved state who want a simple, competitively priced 3-year locked rate and don't need more than modest annual liquidity	MYGA	Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026	3-yr	—	—	View →
Personal Choice Annuity 7 Sentinel Security · Buyers who want a competitive locked 7-year rate and are comfortable with a bare-bones contract that charges extra, in the form of a lower crediting rate, for liquidity and a full-value death benefit	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Secure Legacy 5 Year Upstream Life · Shoppers comfortable with an unrated carrier and a narrow state footprint who want the highest rate in the Secure Legacy lineup, provided they confirm that rate is still on offer	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
DirectGrowth MYGA 10-Year Revol One · Buyers chasing the single highest guaranteed rate in Revol One's own MYGA lineup who are certain they won't need to touch this money (or are willing to pay for a rider if they might) for the full ten years	MYGA	Top quartile of 10 year fixed-rate peers · as of Oct 26, 2026	10-yr	—	—	View →
Premier Voyage 2-Year MassMutual · Buyers parking $100,000 or more who want a short, locked-rate holding spot backed by one of the strongest balance sheets in the industry	MYGA	Top quartile of 2 year fixed-rate peers · as of Oct 26, 2026	2-yr	—	—	View →
Multi-Select 9 Oxford Life · MYGA-ladder builders who specifically need a 9-year rung, or Oxford Life loyalists who value the A rating over squeezing out the best available rate	MYGA	Top quartile of 9 year fixed-rate peers · as of Oct 26, 2026	9-yr	—	—	View →
Aspida Synergy Choice MYGA 5-Year Aspida Life Insurance Company · Independent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate among 5-year MYGAs from Aspida's agent-channel lineup and can commit capital for 5 years without emergency waiver provisions	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
Alpine Horizon 4 Mountain Life · Savers who want a top-of-ladder guaranteed rate for a 4-year commitment and can tolerate holding a contract with a below-investment-grade-caliber carrier	MYGA	Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026	4-yr	—	—	View →
Harbourview 6-Year Oceanview · Buyers with $20,000 or more they can commit for six years who want a locked, competitive rate without paying for riders they won't use	MYGA	Top quartile of 6 year fixed-rate peers · as of Oct 26, 2026	6-yr	—	—	View →
DirectGrowth MYGA 3-Year Revol One · Buyers who can commit the full 3-year term without touching the money and who either don't need an enhanced death benefit or are willing to give up 10-20 basis points to add it	MYGA	Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026	3-yr	—	—	View →
Milestone Max MYGA 7-Year Sagicor · Buyers with at least $25,000 to commit for seven years who want a locked-in rate plus a no-cost waiver for terminal illness or nursing-home confinement, and who don't live in one of the states where Max isn't sold	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
DirectGrowth MYGA 7-Year Revol One · Buyers who specifically need a 7-year maturity date and are willing to pay extra for withdrawal access and a real death benefit	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →

Aspida Synergy Choice MYGA 7-Year

Aspida Life Insurance CompanyIndependent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate in Aspida's agent-channel 7-year MYGA lineup and have a genuine 7-year capital horizon without needing emergency access waivers

A-

A.M. BEST

MYGA7-YR SURRENDERNO BONUS

Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026

View →

Alpine Horizon 5

Mountain LifeBuyers who want the highest locked rate in Mountain Life's Alpine Horizon ladder and have already made peace with a below-investment-grade carrier for a 5-year term

B-

A.M. BEST

MYGA5-YR SURRENDERNO BONUS

Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026

View →

Secure Legacy 4 Year

Upstream LifeBuyers in an approved state who are comfortable with an unrated carrier and want a locked 5.90% rate, though the 3-year version of this same product pays the identical rate with a shorter commitment

NR

A.M. BEST

MYGA4-YR SURRENDERNO BONUS

Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026

View →

Alpine Horizon 3

Mountain LifeConservative savers in an approved state who want a simple, competitively priced 3-year locked rate and don't need more than modest annual liquidity

B-

A.M. BEST

MYGA3-YR SURRENDERNO BONUS

Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026

View →

Personal Choice Annuity 7

Sentinel SecurityBuyers who want a competitive locked 7-year rate and are comfortable with a bare-bones contract that charges extra, in the form of a lower crediting rate, for liquidity and a full-value death benefit

C+

A.M. BEST

MYGA7-YR SURRENDERNO BONUS

Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026

View →

Secure Legacy 5 Year

Upstream LifeShoppers comfortable with an unrated carrier and a narrow state footprint who want the highest rate in the Secure Legacy lineup, provided they confirm that rate is still on offer

NR

A.M. BEST

MYGA5-YR SURRENDERNO BONUS

Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026

View →

DirectGrowth MYGA 10-Year

Revol OneBuyers chasing the single highest guaranteed rate in Revol One's own MYGA lineup who are certain they won't need to touch this money (or are willing to pay for a rider if they might) for the full ten years

B++

A.M. BEST

MYGA10-YR SURRENDERNO BONUS

Top quartile of 10 year fixed-rate peers · as of Oct 26, 2026

View →

Premier Voyage 2-Year

MassMutualBuyers parking $100,000 or more who want a short, locked-rate holding spot backed by one of the strongest balance sheets in the industry

A++

A.M. BEST

MYGA2-YR SURRENDERNO BONUS

Top quartile of 2 year fixed-rate peers · as of Oct 26, 2026

View →

Multi-Select 9

Oxford LifeMYGA-ladder builders who specifically need a 9-year rung, or Oxford Life loyalists who value the A rating over squeezing out the best available rate

A

A.M. BEST

MYGA9-YR SURRENDERNO BONUS

Top quartile of 9 year fixed-rate peers · as of Oct 26, 2026

View →

Aspida Synergy Choice MYGA 5-Year

Aspida Life Insurance CompanyIndependent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate among 5-year MYGAs from Aspida's agent-channel lineup and can commit capital for 5 years without emergency waiver provisions

A-

A.M. BEST

MYGA5-YR SURRENDERNO BONUS

Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026

View →

Alpine Horizon 4

Mountain LifeSavers who want a top-of-ladder guaranteed rate for a 4-year commitment and can tolerate holding a contract with a below-investment-grade-caliber carrier

B-

A.M. BEST

MYGA4-YR SURRENDERNO BONUS

Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026

View →

Harbourview 6-Year

OceanviewBuyers with $20,000 or more they can commit for six years who want a locked, competitive rate without paying for riders they won't use

A

A.M. BEST

MYGA6-YR SURRENDERNO BONUS

Top quartile of 6 year fixed-rate peers · as of Oct 26, 2026

View →

DirectGrowth MYGA 3-Year

Revol OneBuyers who can commit the full 3-year term without touching the money and who either don't need an enhanced death benefit or are willing to give up 10-20 basis points to add it

B++

A.M. BEST

MYGA3-YR SURRENDERNO BONUS

Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026

View →

Milestone Max MYGA 7-Year

SagicorBuyers with at least $25,000 to commit for seven years who want a locked-in rate plus a no-cost waiver for terminal illness or nursing-home confinement, and who don't live in one of the states where Max isn't sold

A

A.M. BEST

MYGA7-YR SURRENDERNO BONUS

Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026

View →

DirectGrowth MYGA 7-Year

Revol OneBuyers who specifically need a 7-year maturity date and are willing to pay extra for withdrawal access and a real death benefit

B++

A.M. BEST

MYGA7-YR SURRENDERNO BONUS

Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026

View →

Show next 15 →Show all 438

Products with enough comparable contracts are ranked by peer standing in our rate feed (see /methodology); the rest are ranked by carrier A.M. Best rating. Rates are snapshots and vary by premium and state. Confirm current terms with the carrier. Information, not a quote or recommendation.