Free rate report · Updated Oct. 11, 2026
Today's Top Fixed Annuity Rates, Side by Side in One Free Report.
The Annuity Rate Report lists today's top guaranteed rates from dozens of insurance companies for 5- and 10-year terms, so you can see what your savings could earn, locked in and protected from market drops. No calls to a dozen companies, no guesswork.
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Why this matters
Most people never see the best rates. That could be costing them.
Maybe your CD is coming due. Or your savings are sitting in a bank account earning next to nothing. So you take the rate your bank offers, or the one in the ad, and assume that's about as good as it gets.
The truth surprises most people. Guaranteed rates on fixed annuities can vary a lot from one insurance company to the next, even for the same deposit and the same term. This report puts today's top rates side by side, and shows you how to read them in 60 seconds.
What most people do
- Take the rate their bank offers
- Pick the biggest number in an ad
- Assume all fixed rates are about the same
- plus more costly habits in the report
What smart savers do
- Compare rates from many insurers
- Look past the first-year rate
- Check the company behind the guarantee
- the details are in the report
Inside this report
Everything you need to compare today's guaranteed rates
A clear, easy-to-scan report. Find the term that fits, compare the numbers that matter, then keep it handy for any annuity conversation.
Top 10-year rates
Today's highest guaranteed rates when you lock in for 10 years, ranked from the top.
Top 5-year rates
Shorter commitment, still guaranteed. Three full pages of 5-year rates, side by side.
The 60-second reading guide
What every column means, in plain English, before you look at a single number.
The one number to compare
Why the biggest rate on the page isn't always the best deal, and which column tells the truth.
What rates can't tell you
The fine print, the company's strength, and the other things that matter as much as the rate.
The main types, decoded
Fixed, fixed indexed and income annuities, and the job each one is built to do.
Is an annuity right for you?
An honest fit check, including when an annuity is not the right move.
Bonus: your exact rate
How to get today's best rates for your own amount, age and state, free.
The eye-opener
A rate just 1% higher on $100,000 can mean about $16,000 more over 10 years.
Same $100,000. Same 10 years. Same guarantee. The only difference is which company you choose, and rates can vary that much. See who is paying the most today.
Hypothetical example for illustration only: $100,000 earning 5% versus 6% a year, compounded yearly for 10 years, before taxes. Not a specific product. Rates change often and depend on the deposit amount, age and state.
This report is for you if
You want a guaranteed rate, without the guesswork.
- You have a CD coming due and want to know what else is out there before you renew.
- Your money is in bank savings or a money market and you wonder if it could be earning more.
- You're within 10 years of retirement, and you want part of your savings growing at a rate you know in advance.
- You're tired of market swings and want money you won't need for 5 to 10 years off the roller coaster.
- You were quoted a rate by a bank or an agent and want to see how it stacks up.
- Your annuity's term is ending soon and you want to know your options before it renews.
Inside the report
The rate in the ad isn't always the rate you get
Some rates drop after the first year. One column on the report shows the real number to compare. Unlock today's rates and the 60-second reading guide with your free copy.
Top 10-year rates
Top 5-year rates
The number to compare
What to check next
How it works
Today's rates in under a minute
Tell us where to send it
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Download it right away
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Get your exact rate, if you like
Book a free Annuity Clarity Session and Roger will look up today's best rates for your amount, age and state.
From the author
Hi, I'm Roger Fishel.
I help people who are close to retirement, or already there, protect what they've saved and make it last. One question I hear all the time is, "What's the best rate I can get right now?" The honest answer: it changes often, and it's rarely the one in the ad.
As an independent agent, I'm not tied to any one insurance company, so I can look across the market. That's why I put this report together: today's top guaranteed rates, side by side, with a plain-English guide to reading them.
Plan. Protect. Prosper.
Questions
Before you download
Is the report really free?
Yes. There's no cost and no credit card. Fill in the short form and the PDF is yours.
Do I have to buy anything?
No. The report is education. It shows you what today's guaranteed rates look like so you can decide whether a fixed annuity belongs in your plan. If you'd like to talk it through, that's always your choice.
What kind of annuity rates are in the report?
Multi-Year Guaranteed Annuities, often called MYGAs. They pay a fixed rate that is guaranteed for the whole term, such as 5 or 10 years, and your money is not exposed to market losses. Many people compare them to CDs. Surrender charges can apply if you take out more than the free amount before the term ends.
Will I get the exact rates in the report?
The report shows rates for a $100,000 deposit at age 65 in Florida, as of the date printed on it. Rates change often, and your rate depends on your amount, age and state. In a free Annuity Clarity Session, Roger can look up today's rates for you.
Will someone pressure me?
No. You'll get the report and a few helpful follow-up emails, and Roger's team may reach out once to make sure it arrived and answer any questions. You can unsubscribe at any time.
I already own an annuity. Is it still useful?
Yes. It shows you how your rate compares with today's. You can also request a free Annuity X-Ray, a plain-English review of your current contract, including when your surrender period ends.
Is this financial or tax advice?
No. The report is for general education only. Neither the firm nor its agents or representatives may give tax or legal advice. Please talk with a qualified professional about your own situation before you act.
How do I receive it?
It opens on the very next page as a PDF you can read on your phone or computer, and we also email you a copy so you can find it later.
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