What's a good annuity rate in 2026?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
TL;DR
- Competitive fixed annuity and MYGA rates are currently in the mid-5% range or higher, with some offers exceeding 6%.
- A good annuity rate depends on individual circumstances, product type, term, insurer, and contract provisions.
- Key factors to consider when comparing annuities include insurer's financial strength, surrender period, withdrawal provisions, and guarantee period.
- Fixed indexed annuities use participation rates, caps, or spreads, while immediate annuities are evaluated by income produced, making 'good rate' definitions vary by annuity type.
- Comparison shopping is essential, as rates and contract terms differ significantly between insurers, even for similar annuity products.