Earn competitive guaranteed interest with 100% principal protection. A safe alternative to CDs and money market accounts — without exposure to stock market losses.
Get Today's Annuity RatesToday's Top Rate
Multi-year guaranteed annuity (MYGA) — 7-year term, A-rated carrier
Rates illustrative and subject to change. Free consultation to confirm current carrier rates.
A fixed annuity is a contract between you and an A-rated insurance carrier. You deposit a lump sum (often from a 401(k) rollover, IRA, or savings), and the carrier guarantees a fixed interest rate for a set number of years. Your principal can never decrease due to market losses.
At the end of the term, you can withdraw your money, renew at current rates, or convert to a guaranteed lifetime income stream. Earnings grow tax-deferred — meaning you don't pay income tax until you take a withdrawal.
Side-by-side look at the most common retirement savings vehicles.
| Vehicle | Principal Protection | Typical Growth | Liquidity | Taxation |
|---|---|---|---|---|
| Fixed Annuity | 100% principal protected | 5–9%+ guaranteed | Limited (surrender period) | Tax-deferred |
| Bank CD | FDIC up to $250K | 4–5% typical | Penalty for early withdrawal | Taxed annually |
| Money Market | FDIC up to $250K | 3–5% variable | Fully liquid | Taxed annually |
| 401(k) / IRA | Market risk | Variable (avg ~7%) | Penalty before 59½ | Tax-deferred / Roth |
Looking to lock in guaranteed growth as you transition out of stock-heavy portfolios.
Want predictable lifetime income that won't run out, regardless of market performance.
Frustrated with low CD rates and ready for higher guaranteed yields with similar safety.
Want to protect retirement assets from the next market downturn while keeping tax-deferred status.
A fixed annuity is a contract with an insurance company where you deposit a lump sum and earn a guaranteed interest rate for a set period. Your principal is fully protected and growth is tax-deferred until you withdraw.
Insurance carriers can offer higher rates because annuity contracts include surrender periods (typically 3–10 years), allowing the insurer to invest more aggressively. The trade-off is reduced liquidity in exchange for stronger guaranteed growth.
Fixed annuities are backed by the issuing insurance carrier and state guaranty associations. We only place clients with A-rated carriers. Your principal cannot decline due to market losses.
Most fixed annuities allow penalty-free withdrawals of 10% per year. Full access is available after the surrender period or as a guaranteed lifetime income stream.
Earnings grow tax-deferred — you only pay income tax when you withdraw. This compounding advantage often outpaces taxable accounts over 5–10+ years.
We compare current rates from A-rated carriers and show you the strongest principal-protected options for your retirement timeline.
By calling the number above, you will be connected to a licensed insurance agent.