Fed Cuts Rates—Lock in Higher Annuity Payouts Before Insurers Follow

Updated October 17, 2025

If you’re considering buying an annuity soon, now is a good time to update your quotes. While we’re not telling you to buy immediately, updating your quotes is free and can lock in current rates before insurers decrease their payouts.

Update Your Quotes Now

Check your annuity quotes today—it only takes a few minutes and can lock in your rate. Simply use the blue quote calculator on this page. Quotes are free and can lock in your annuity rate for 1-2 weeks (as long as all of the information you enter is accurate).

Once you get your new annuity quotes, they are locked in for a brief period of time. In order to fully secure these rates, you’ll need to submit your annuity application in advance of their expiration date. Don’t wait until the last minute, the application process takes several days.

About our Annuity Quote Calculator:

• Fast and free
• Locks in current rates for 1-2 weeks
• No phone number is required
• Potentially more annuity income
• Top-tier insurance companies (several A++)

Call us at (866) 866-1999 to learn how to lock in your annuity once you get quotes.

Why Are Insurers Lowering Annuity Rates Now?

The Federal Reserve has already lowered the Federal Funds rate this year. Although the Fed rate doesn’t directly set annuity rates, it can influence the broader financial system, including insurers’ payouts.

If you want more information, we have a page dedicated to the relationship between annuity rates, bond rates, and the Fed Rate. We also have an annuity trends page.

Several of our top-tier insurers (including A++ companies) have already informed us that they are lowering their rates, and we anticipate more to come.

In addition to this, various reputable sources indicate that the Federal Reserve has more rate cuts in store.

While none of this is certain, running an annuity quote is a free, easy way to ensure that you have access to better rates before insurers cut their payouts.

Need Help Running A Quote?

Call us at (866) 866-1999 if you’d like us to update your annuity quotes or discuss strategies for this rate environment. We provide honest guidance without any sales pressure. We’re here to help.

References:

• Derby, Michael S., and Saphir, Ann. “Fed's Waller on board for an October rate cut, as Miran again presses for aggressive easing” Reuters. Published October 16, 2025.
• Feroli, Michael. “What’s the Fed’s next move?” J.P. Morgan. Published September 26, 2025.
• Timiraos, Nick. “Powell Keeps Fed on Track to Lower Rates Again” The Wall Street Journal. Published October 14, 2025.