MYGA rate guide
Start with fixed-rate guarantee periods, renewal rules, liquidity windows, and surrender schedules before comparing carriers.
Learn moreAnnuity education and comparison research
Compare Annuity Rates With Confidence
Online Annuity Rates helps readers understand fixed annuities, fixed indexed annuities, and retirement income planning before comparing product options.
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Rate research
Start with annuity rate guide basics
Compare annuity rates in context by reviewing guarantees, surrender schedules, product type, and carrier strength before focusing on a single headline rate.
Fixed annuity rates
Review fixed annuity options built around principal protection, predictable interest crediting, and tax-deferred growth.
Learn moreFixed indexed annuity rates
Compare index strategy basics, caps, participation rates, spreads, bonuses, and income rider tradeoffs.
Learn moreAnnuity categories
Compare major annuity types
MYGA Rates
Compare multi-year guaranteed annuity options built around fixed terms, stated rates, and predictable interest crediting.
Fixed Annuities
Review traditional fixed annuity contracts designed for principal protection and steady accumulation.
Fixed Indexed Annuities
Understand index-linked crediting, participation rates, caps, spreads, riders, and the tradeoffs behind growth potential.
Income Annuities
Learn how immediate and deferred income annuities can turn savings into structured retirement income.
Why use Online Annuity Rates
Research built for clearer decisions
Plain-English education
Carrier research
Product comparisons
Retirement income planning
Educational resources
Learn the terms before comparing rates
Understanding MYGAs
A practical primer on guarantee periods, renewal rates, liquidity windows, and surrender charge basics.
Fixed Indexed Annuity Basics
A guide to how index strategies work and which contract features can affect long-term outcomes.
Income Planning
Education on matching annuity income options with retirement timing, cash-flow needs, and risk tolerance.
Retirement Protection Strategies
Context for using protected income and principal-preservation tools alongside broader retirement assets.
Featured carrier research
Carrier research for annuity shoppers
AM Best: A- (Excellent)
Aspida
Modern annuity carrier research covering fixed annuities, indexed annuities, RILAs, ratings, and distribution notes.
- Founded
- 2020
- Headquarters
- Durham, North Carolina
AM Best: A (Excellent)
American Equity
Indexed annuity research focused on product positioning, common rider features, and comparison points.
- Founded
- 1995
- Headquarters
- West Des Moines, Iowa
AM Best: A+ (Superior)
Midland National
Carrier profile coverage for fixed and indexed annuity options used in retirement income research.
- Founded
- 1906
- Headquarters
- West Des Moines, Iowa
Annuity research FAQ
Questions to answer before comparing products
Are annuity rates shown as guaranteed recommendations?
No. Rate guides are intended as educational comparison starting points. Actual rates, guarantees, riders, and availability depend on the issuing carrier, contract, state, and timing.
What should I compare before choosing an annuity carrier?
Compare financial strength ratings, product type, surrender schedule, liquidity features, rider costs, income options, state availability, and how the product is distributed.
Why do carrier reviews matter?
Carrier reviews help readers understand the company behind the contract, including ownership, ratings, product focus, complaint context, and available public disclosures.