Annuity Payout Rates: Current Tables by Age
When you shop for an income annuity, like an immediate annuity, on the top of your list is probably your annuity rate. Most people want to maximize their annuity income, especially because it often lasts for the rest of your life.
Below we list annuity rates for most ages from 58 to 80 in easy-to-read tables. You'll notice that the annuity payout rates vary considerably. Annuity rates are based on things like your age, gender, payout option, and income start date. You can read our guide to customizing your income annuity for more information on how these factors affect your annuity rate.
While these tables show the best and average immediate annuity rates we offer for both men and women, make sure you run a custom annuity quote using our blue annuity calculator on this page. You'll get guaranteed quotes from top providers instantly online. It's fast, easy, and free — there is no obligation and your phone number isn't required.
Immediate Annuity Rates — Age 58
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 58 - Single Life Only | Single Life Only | $607 | $553 | $587 | $536 | ||||
| Age 58 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $604 | $554 | $584 | $537 | ||||
| Age 58 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $597 | $549 | $578 | $533 | ||||
| Age 58 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $587 | $540 | $571 | $527 | ||||
| Age 58 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $575 | $529 | $562 | $520 | ||||
| Age 58 - Single Life with Cash Refund | Single Life with Cash Refund | $586 | $543 | $570 | $531 | ||||
| Age 58 - Single Life with Installment Refund | Single Life with Installment Refund | $589 | $542 | $576 | $530 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 60
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 60 - Single Life Only | Single Life Only | $618 | $570 | $597 | $551 | ||||
| Age 60 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $621 | $571 | $597 | $552 | ||||
| Age 60 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $613 | $565 | $592 | $548 | ||||
| Age 60 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $601 | $553 | $584 | $540 | ||||
| Age 60 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $586 | $541 | $573 | $531 | ||||
| Age 60 - Single Life with Cash Refund | Single Life with Cash Refund | $600 | $557 | $582 | $544 | ||||
| Age 60 - Single Life with Installment Refund | Single Life with Installment Refund | $604 | $557 | $586 | $544 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 62
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 62 - Single Life Only | Single Life Only | $633 | $590 | $609 | $569 | ||||
| Age 62 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $640 | $590 | $613 | $569 | ||||
| Age 62 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $629 | $583 | $606 | $564 | ||||
| Age 62 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $614 | $569 | $596 | $554 | ||||
| Age 62 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $596 | $553 | $583 | $542 | ||||
| Age 62 - Single Life with Cash Refund | Single Life with Cash Refund | $615 | $573 | $596 | $559 | ||||
| Age 62 - Single Life with Installment Refund | Single Life with Installment Refund | $619 | $573 | $598 | $558 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 64
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 64 - Single Life Only | Single Life Only | $652 | $612 | $624 | $588 | ||||
| Age 64 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $662 | $612 | $633 | $588 | ||||
| Age 64 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $649 | $602 | $624 | $582 | ||||
| Age 64 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $631 | $585 | $611 | $570 | ||||
| Age 64 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $608 | $564 | $595 | $554 | ||||
| Age 64 - Single Life with Cash Refund | Single Life with Cash Refund | $634 | $590 | $612 | $574 | ||||
| Age 64 - Single Life with Installment Refund | Single Life with Installment Refund | $639 | $591 | $615 | $578 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 65
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 65 - Single Life Only | Single Life Only | $664 | $627 | $635 | $599 | ||||
| Age 65 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $675 | $627 | $644 | $600 | ||||
| Age 65 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $660 | $615 | $634 | $592 | ||||
| Age 65 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $639 | $596 | $620 | $579 | ||||
| Age 65 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $614 | $572 | $601 | $562 | ||||
| Age 65 - Single Life with Cash Refund | Single Life with Cash Refund | $644 | $602 | $621 | $584 | ||||
| Age 65 - Single Life with Installment Refund | Single Life with Installment Refund | $649 | $603 | $625 | $585 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 66
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 66 - Single Life Only | Single Life Only | $677 | $639 | $646 | $609 | ||||
| Age 66 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $688 | $639 | $656 | $610 | ||||
| Age 66 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $672 | $626 | $645 | $601 | ||||
| Age 66 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $648 | $604 | $628 | $586 | ||||
| Age 66 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $620 | $578 | $608 | $567 | ||||
| Age 66 - Single Life with Cash Refund | Single Life with Cash Refund | $655 | $612 | $631 | $591 | ||||
| Age 66 - Single Life with Installment Refund | Single Life with Installment Refund | $660 | $613 | $635 | $592 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 67
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 67 - Single Life Only | Single Life Only | $695 | $653 | $658 | $619 | ||||
| Age 67 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $700 | $653 | $665 | $620 | ||||
| Age 67 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $682 | $638 | $653 | $610 | ||||
| Age 67 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $654 | $613 | $634 | $593 | ||||
| Age 67 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $624 | $584 | $612 | $572 | ||||
| Age 67 - Single Life with Cash Refund | Single Life with Cash Refund | $663 | $622 | $639 | $599 | ||||
| Age 67 - Single Life with Installment Refund | Single Life with Installment Refund | $669 | $623 | $642 | $600 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 68
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 68 - Single Life Only | Single Life Only | $713 | $668 | $672 | $630 | ||||
| Age 68 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $715 | $668 | $679 | $631 | ||||
| Age 68 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $695 | $651 | $665 | $620 | ||||
| Age 68 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $664 | $623 | $644 | $601 | ||||
| Age 68 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $629 | $590 | $618 | $577 | ||||
| Age 68 - Single Life with Cash Refund | Single Life with Cash Refund | $675 | $634 | $650 | $608 | ||||
| Age 68 - Single Life with Installment Refund | Single Life with Installment Refund | $682 | $636 | $654 | $609 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 70
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 70 - Single Life Only | Single Life Only | $754 | $702 | $704 | $653 | ||||
| Age 70 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $752 | $701 | $710 | $654 | ||||
| Age 70 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $725 | $679 | $692 | $640 | ||||
| Age 70 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $684 | $642 | $665 | $616 | ||||
| Age 70 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $640 | $600 | $630 | $585 | ||||
| Age 70 - Single Life with Cash Refund | Single Life with Cash Refund | $703 | $659 | $675 | $625 | ||||
| Age 70 - Single Life with Installment Refund | Single Life with Installment Refund | $711 | $661 | $680 | $626 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 72
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 72 - Single Life Only | Single Life Only | $800 | $742 | $738 | $690 | ||||
| Age 72 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $794 | $740 | $742 | $691 | ||||
| Age 72 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $758 | $710 | $718 | $672 | ||||
| Age 72 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $704 | $662 | $688 | $640 | ||||
| Age 72 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $652 | $610 | $643 | $599 | ||||
| Age 72 - Single Life with Cash Refund | Single Life with Cash Refund | $732 | $688 | $700 | $654 | ||||
| Age 72 - Single Life with Installment Refund | Single Life with Installment Refund | $738 | $692 | $707 | $657 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 74
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 74 - Single Life Only | Single Life Only | $853 | $792 | $778 | $736 | ||||
| Age 74 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $844 | $787 | $785 | $736 | ||||
| Age 74 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $794 | $745 | $751 | $709 | ||||
| Age 74 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $724 | $683 | $708 | $663 | ||||
| Age 74 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $661 | $618 | $653 | $611 | ||||
| Age 74 - Single Life with Cash Refund | Single Life with Cash Refund | $768 | $721 | $733 | $689 | ||||
| Age 74 - Single Life with Installment Refund | Single Life with Installment Refund | $776 | $727 | $740 | $693 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 75
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 75 - Single Life Only | Single Life Only | $882 | $820 | $805 | $763 | ||||
| Age 75 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $871 | $814 | $809 | $762 | ||||
| Age 75 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $812 | $765 | $769 | $729 | ||||
| Age 75 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $733 | $694 | $718 | $676 | ||||
| Age 75 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $665 | $623 | $658 | $617 | ||||
| Age 75 - Single Life with Cash Refund | Single Life with Cash Refund | $788 | $741 | $750 | $708 | ||||
| Age 75 - Single Life with Installment Refund | Single Life with Installment Refund | $796 | $749 | $758 | $714 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 76
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 76 - Single Life Only | Single Life Only | $913 | $847 | $831 | $787 | ||||
| Age 76 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $901 | $840 | $835 | $785 | ||||
| Age 76 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $831 | $784 | $788 | $747 | ||||
| Age 76 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $743 | $703 | $728 | $685 | ||||
| Age 76 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $668 | $627 | $662 | $620 | ||||
| Age 76 - Single Life with Cash Refund | Single Life with Cash Refund | $809 | $761 | $769 | $725 | ||||
| Age 76 - Single Life with Installment Refund | Single Life with Installment Refund | $818 | $766 | $778 | $733 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 78
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 78 - Single Life Only | Single Life Only | $981 | $913 | $896 | $844 | ||||
| Age 78 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $966 | $900 | $888 | $840 | ||||
| Age 78 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $869 | $821 | $820 | $784 | ||||
| Age 78 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $759 | $719 | $746 | $703 | ||||
| Age 78 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $672 | $631 | $668 | $626 | ||||
| Age 78 - Single Life with Cash Refund | Single Life with Cash Refund | $855 | $802 | $807 | $762 | ||||
| Age 78 - Single Life with Installment Refund | Single Life with Installment Refund | $860 | $811 | $818 | $773 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
Immediate Annuity Rates — Age 80
| Annuity Type | Male Best | Male Avg | Female Best | Female Avg | |||||
|---|---|---|---|---|---|---|---|---|---|
| Age 80 - Single Life Only | Single Life Only | $1,059 | $988 | $975 | $910 | ||||
| Age 80 - Single Life with 5 Years Certain | Single Life with 5 Years Certain | $1,041 | $966 | $954 | $900 | ||||
| Age 80 - Single Life with 10 Years Certain | Single Life with 10 Years Certain | $906 | $855 | $859 | $820 | ||||
| Age 80 - Single Life with 15 Years Certain | Single Life with 15 Years Certain | $772 | $730 | $761 | $718 | ||||
| Age 80 - Single Life with 20 Years Certain | Single Life with 20 Years Certain | $675 | $634 | $672 | $630 | ||||
| Age 80 - Single Life with Cash Refund | Single Life with Cash Refund | $906 | $845 | $853 | $799 | ||||
| Age 80 - Single Life with Installment Refund | Single Life with Installment Refund | $915 | $859 | $866 | $815 | ||||
Annuity rates were surveyed as of July 1, 2026 and are illustrative only. These examples are based on a $100,000 premium and do not include state-specific premium taxes. Annuity rates change often and without notice. To get your guaranteed annuity rate, run custom quotes using our annuity calculator.
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