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 438 products

Product	Type	Standing	Surrender	Income rider	Bonus
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 Sep 11, 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 Sep 11, 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 Sep 11, 2026	4-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 Sep 11, 2026	5-yr	—	—	View →
Secure Legacy 6 Year Upstream Life · Buyers in one of the roughly two dozen approved states who want a locked mid-term rate and are comfortable holding an unrated carrier	MYGA	Top quartile of 6 year fixed-rate peers · as of Sep 11, 2026	6-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 Sep 11, 2026	10-yr	—	—	View →
Personal Choice Annuity 10 Sentinel Security · Buyers with a genuine 10-year horizon and no need for interim access who want a near-top-of-market locked rate from a smaller regional carrier	MYGA	Top quartile of 10 year fixed-rate peers · as of Sep 11, 2026	10-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 Sep 11, 2026	3-yr	—	—	View →
Personal Choice Annuity 3 Sentinel Security · Savers with a genuine 3-year horizon who want the strongest available locked rate and don't need built-in liquidity or an enhanced death benefit	MYGA	Top quartile of 3 year fixed-rate peers · as of Sep 11, 2026	3-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 Sep 11, 2026	3-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 Sep 11, 2026	7-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 Sep 11, 2026	2-yr	—	—	View →
Preserve Multi-Year Guaranteed Annuity 9 Clear Spring Life · Buyers who have a specific reason to want a 9-year term and are not simply rate-shopping the Preserve MYGA lineup	MYGA	Top quartile of 9 year fixed-rate peers · as of Sep 11, 2026	9-yr	—	—	View →
Personal Choice Annuity 5 Sentinel Security · Buyers who want a straightforward 5-year locked rate, are comfortable with a low $2,500 minimum, and don't need built-in liquidity or an enhanced death benefit	MYGA	Top quartile of 5 year fixed-rate peers · as of Sep 11, 2026	5-yr	—	—	View →
Secure Rate Pro 7-Year Heartland National · Buyers who want a competitive locked 7-year rate, don't need any access to principal along the way, and will actively manage the 30-day renewal decision at term's end	MYGA	Top quartile of 7 year fixed-rate peers · as of Sep 11, 2026	7-yr	—	—	View →

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.

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