Multi-Year Guaranteed Annuity Rates (2025 Update)

As of 2025, securing a stable and predictable return on your investments is essential. Multi-Year Guaranteed Annuities (MYGAs) offer a fixed interest rate for a specified term, providing a reliable income stream for retirees and investors alike. Below are the latest MYGA rates available.

Top Multi-Year Guaranteed Annuities as of 2025

1-Year Term – Global Atlantic ForeCare Fixed Annuity (LTC) – 6.00% (AM Best Rating: A)

3-Year Term – Mountain Life Insurance Company Secure Summit – 6.00% (AM Best Rating: B)

5-Year Term – Aspida Life Insurance Company Aspida Advisory MYGA – 5.85% (AM Best Rating: A-)

7-Year Term – Guaranty Income Life Insurance Company Guaranty Rate Lock – 5.80% (AM Best Rating: A-)

10-Year Term – Oceanview Life and Annuity Company Harbourview MYGA – 5.65% (AM Best Rating: A)

Rates are subject to change. Please consult with a financial advisor or the respective company for the most up-to-date information.

What Are Multi-Year Guaranteed Annuities (MYGAs)?

MYGAs are a type of fixed annuity that offer a guaranteed interest rate for a specified period, typically ranging from 1 to 10 years. They function similarly to Certificates of Deposit (CDs) but often provide higher interest rates and the benefit of tax-deferred growth. This makes them an attractive option for individuals seeking stable and predictable returns on their investments.

Benefits of MYGAs

Guaranteed Interest Rates – Lock in a fixed rate for the term of the annuity, ensuring predictable growth.

Tax-Deferred Growth – Taxes on interest earned are deferred until withdrawals begin, potentially during retirement when you may be in a lower tax bracket.

Protection from Market Volatility – MYGAs are not directly tied to stock market performance, providing a secure investment unaffected by market fluctuations.

Considerations Before Investing

Liquidity – Access to funds may be limited during the annuity term, with potential penalties for early withdrawals.

Insurance Company Ratings – Since MYGAs are not insured by the FDIC, it’s crucial to choose providers with strong financial strength ratings (e.g., AM Best ratings) to ensure the company’s ability to meet its obligations.

Comparison with Other Financial Products – While MYGAs often offer higher rates than CDs, it’s important to assess your individual financial goals and consult with a financial advisor to determine the best fit for your portfolio.

Next Steps

To explore MYGA options tailored to your financial objectives, consider consulting with a licensed financial advisor who can provide personalized guidance based on the latest market trends and product offerings.

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