Today's Best Multi-Year Fixed Interest Deferred Annuities

Scan today's lists of the best Multi-year Fixed Interest Deferred Annuities (updated Monday, 2015-04-27). These lists are sorted by the surrender fee period. We revise these lists daily and there are frequent changes. Please bookmark this page and come back to it often.

For expert help with multi-year fixed interest deferred annuities call 800-872-6684 or click a 'Get My Quote' button next to any annuity in these lists.

OUR HIGHEST MULTI-YEAR DEFERRED ANNUITY RATES

April 27, 2015
Click Product Name
for more Information
Surrender
Fee Period
Minimum Premium Annual
Rate
AM Best
Rating
Click to
Sentinel Security Life
Personal Choice Annuity 10
10 yrs.$2,5003.55 %B++
Guggenheim Life
Preserve MYGA 9 Annuity
9 yrs.$250,0003.20 %B++
Guggenheim Life
Preserve MYGA 8 Annuity
8 yrs.$250,0003.10 %B++
Delaware Life
Pinnacle MYGA 7 Annuity
7 yrs.$10,0002.95 %A-
Guggenheim Life
Preserve MYGA 6 Annuity
6 yrs.$250,0002.90 %B++
Sentinel Security Life
Personal Choice Annuity 5
5 yrs.$2,5003.10 %B++
Oxford Life
Multi-Select 3 Annuity
3 yrs.$20,0002.00 %A-

MULTI-YEAR DEFERRED ANNUITY RATES (in order of Surrender Period)

April 27, 2015
Click Product Name
for more Information
Surrender
Fee Period
Minimum Premium Annual
Rate
AM Best
Rating
Click to
Sentinel Security Life
Personal Choice Annuity 10
10 yrs.$2,5003.55 %B++
Guggenheim Life and Annuity
Preserve MYGA 10 Annuity High-Band (MVA)
10 yrs.$249,9993.30 %B++
Delaware Life
Pinnacle MYGA℠ 10 Annuity Year (MVA)
10 yrs.$10,0003.25 %A-
Guggenheim Life and Annuity
Preserve MYGA 10 Annuity Low-Band (MVA)
10 yrs.$10,0003.20 %B++
EquiTrust Life
Certainty Select 10 Annuity (MVA)
10 yrs.$10,0003.00 %B++
Midland National Life
Guarantee Ultimate 10 Annuity High-Band (MVA)
10 yrs.$200,0003.00 %A+
North American
Guarantee Choice 10 Annuity High-Band (MVA)
10 yrs.$200,0003.00 %A+
Oxford Life
Multi-Select 10 Annuity (MVA)
10 yrs.$20,0003.00 %A-
Midland National Life
Guarantee Ultimate 10 Annuity Low-Band (MVA)
10 yrs.$10,0002.75 %A+
North American
Guarantee Choice 10 Annuity Low-Band (MVA)
10 yrs.$10,0002.75 %A+
Pacific Life
Pacific Frontiers II 10 Annuity (MVA)
10 yrs.$10,0002.15 %A+
Integrity Life
MultiVantage 10 Annuity (MVA)
10 yrs.$20,0002.10 %A+
Allianz Life of North America
Dominator Plus 10 Annuity High-Band (MVA LOAN)
10 yrs.$100,0002.00 %A
American National
Palladium MYG Annuity 10 High-Band (MVA)
10 yrs.$100,0002.00 %A
National Integrity Life
MultiVantage 10 Annuity (MVA)
10 yrs.$20,0001.95 %A+
Allianz Life of North America
Dominator Plus 10 Annuity Low-Band (MVA LOAN)
10 yrs.$25,0001.90 %A
American National
Palladium MYG Annuity 10 Low-Band (MVA)
10 yrs.$5,0001.90 %A
VOYA and Annuity
Guarantee Choice 10 Annuity High-Band (MVA)
10 yrs.$75,0001.60 %N/A
VOYA and Annuity
Guarantee Choice 10 Annuity Low-Band (MVA)
10 yrs.$15,0001.50 %N/A
Guggenheim Life and Annuity
Preserve MYGA 9 Annuity High-Band (MVA)
9 yrs.$249,9993.20 %B++
Guggenheim Life and Annuity
Preserve MYGA 9 Annuity Low-Band (MVA)
9 yrs.$10,0003.10 %B++
Oxford Life
Multi-Select 9 Annuity (MVA)
9 yrs.$20,0002.95 %A-
Midland National Life
Guarantee Ultimate 9 Annuity High-Band (MVA)
9 yrs.$200,0002.85 %A+
North American
Guarantee Choice 9 Annuity High-Band (MVA)
9 yrs.$200,0002.85 %A+
Minnesota Life
SecureOption Select 9 Annuity High-Band (MVA)
9 yrs.$100,0002.80 %A+
Midland National Life
Guarantee Ultimate 9 Annuity Low-Band (MVA)
9 yrs.$10,0002.65 %A+
North American
Guarantee Choice 9 Annuity Low-Band (MVA)
9 yrs.$10,0002.65 %A+
Minnesota Life
SecureOption Select 9 Annuity Low-Band (MVA)
9 yrs.$5,0002.60 %A+
Pacific Life
Pacific Frontiers II 9 Annuity (MVA)
9 yrs.$10,0002.05 %A+
American National
Palladium MYG Annuity 9 High-Band (MVA)
9 yrs.$100,0002.02 %A
American National
Palladium MYG Annuity 9 Low-Band (MVA)
9 yrs.$5,0001.92 %A
Guggenheim Life and Annuity
Preserve MYGA 8 Annuity High-Band (MVA)
8 yrs.$249,9993.10 %B++
Guggenheim Life and Annuity
Preserve MYGA 8 Annuity Low-Band (MVA)
8 yrs.$10,0003.00 %B++
Oxford Life
Multi-Select 8 Annuity (MVA)
8 yrs.$20,0002.90 %A-
EquiTrust Life
Certainty Select 8 Annuity (MVA)
8 yrs.$10,0002.85 %B++
Midland National Life
Guarantee Ultimate 8 Annuity High-Band (MVA)
8 yrs.$200,0002.75 %A+
North American
Guarantee Choice 8 Annuity High-Band (MVA)
8 yrs.$200,0002.75 %A+
Midland National Life
Guarantee Ultimate 8 Annuity Low-Band (MVA)
8 yrs.$10,0002.50 %A+
North American
Guarantee Choice 8 Annuity Low-Band (MVA)
8 yrs.$10,0002.50 %A+
American National
Palladium MYG Annuity 8 High-Band (MVA)
8 yrs.$100,0002.00 %A
Pacific Life
Pacific Frontiers II 8 Annuity (MVA)
8 yrs.$10,0002.00 %A+
American National
Palladium MYG Annuity 8 Low-Band (MVA)
8 yrs.$5,0001.90 %A
Sentinel Security Life
Personal Choice Annuity 7
7 yrs.$2,5003.25 %B++
Guggenheim Life and Annuity
Preserve MYGA 7 Annuity High-Band (MVA)
7 yrs.$249,9993.00 %B++
Delaware Life
Pinnacle MYGA℠ 7 Annuity Year (MVA)
7 yrs.$10,0002.95 %A-
Guggenheim Life and Annuity
Preserve MYGA 7 Annuity Low-Band (MVA)
7 yrs.$10,0002.90 %B++
Oxford Life
Multi-Select 7 Annuity (MVA)
7 yrs.$20,0002.85 %A-
Midland National Life
Guarantee Ultimate 7 Annuity High-Band (MVA)
7 yrs.$200,0002.60 %A+
North American
Guarantee Choice 7 Annuity High-Band (MVA)
7 yrs.$200,0002.60 %A+
Fidelity & Guaranty Life
FG Guarantee-Plus 7 Annuity (MVA)
7 yrs.$10,0002.54 %B++
Fidelity & Guaranty Life
FG Guarantee-Platinum 7 Annuity (MVA)
7 yrs.$10,0002.50 %B++
Genworth Life and Annuity
SecureLiving Rate Saver 7 Annuity High-Band (MVA)
7 yrs.$250,0002.45 %A-
Midland National Life
Guarantee Ultimate 7 Annuity Low-Band (MVA)
7 yrs.$10,0002.40 %A+
North American
Guarantee Choice 7 Annuity Low-Band (MVA)
7 yrs.$10,0002.40 %A+
Genworth Life and Annuity
SecureLiving Rate Saver 7 Annuity Mid-Band (MVA)
7 yrs.$100,0002.35 %A-
Great American Life
SecureGain 7 Annuity Low-Band (STEP RATE)
7 yrs.$10,0002.19 %A
Great American Life
SecureGain 7 Annuity No MVA High-Band (MVA STEP RATE)
7 yrs.$100,0002.19 %A
Symetra Life
Symetra Custom 7 Annuity (No ROP) High-Band
7 yrs.$250,0002.17 %A
Great American Life
SecureGain 7 Annuity High-Band (STEP RATE)
7 yrs.$100,0002.15 %A
Genworth Life and Annuity
SecureLiving Rate Saver 7 Annuity Low-Band (MVA)
7 yrs.$25,0002.15 %A-
American National
Palladium MYG Annuity 7 High-Band (MVA)
7 yrs.$100,0002.14 %A
Minnesota Life
SecureOption Select 7 Annuity High-Band (MVA)
7 yrs.$100,0002.10 %A+
Great American Life
SecureGain 7 Annuity No MVA Low-Band (MVA STEP RATE)
7 yrs.$10,0002.09 %A
Symetra Life
Symetra Custom 7 Annuity (No ROP) Mid-Band
7 yrs.$100,0002.07 %A
American National
Palladium MYG Annuity 7 Low-Band (MVA)
7 yrs.$5,0002.04 %A
Minnesota Life
SecureOption Select 7 Annuity Low-Band (MVA)
7 yrs.$5,0001.90 %A+
Pacific Life
Pacific Frontiers II 7 Annuity (MVA)
7 yrs.$10,0001.90 %A+
Symetra Life
Symetra Custom 7 Annuity (No ROP) Mid-Band
7 yrs.$50,0001.87 %A
Symetra Life
Symetra Custom 7 Annuity (ROP) High-Band
7 yrs.$250,0001.87 %A
Integrity Life
MultiVantage 7 Annuity (MVA)
7 yrs.$20,0001.84 %A+
Symetra Life
Symetra Custom 7 Annuity (ROP) Mid-Band
7 yrs.$100,0001.77 %A
Minnesota Life
SecureOption Focus 7 Annuity High-Band
7 yrs.$100,0001.75 %A+
National Integrity Life
MultiVantage 7 Annuity (MVA)
7 yrs.$20,0001.74 %A+
Symetra Life
Symetra Custom 7 Annuity (No ROP) Low-Band
7 yrs.$10,0001.67 %A
Minnesota Life
SecureOption Focus 7 Annuity Mid-Band
7 yrs.$35,0001.65 %A+
Symetra Life
Symetra Custom 7 Annuity (ROP) Mid-Band
7 yrs.$50,0001.62 %A
Symetra Life
Symetra Custom 7 Annuity (ROP) Low-Band
7 yrs.$10,0001.57 %A
Minnesota Life
SecureOption Focus 7 Annuity Low-Band
7 yrs.$10,0001.45 %A+
Guggenheim Life and Annuity
Preserve MYGA 6 Annuity High-Band (MVA)
6 yrs.$249,9992.90 %B++
Guggenheim Life and Annuity
Preserve MYGA 6 Annuity Low-Band (MVA)
6 yrs.$10,0002.80 %B++
EquiTrust Life
Certainty Select 6 Annuity (MVA)
6 yrs.$10,0002.75 %B++
Oxford Life
Multi-Select 6 Annuity (MVA)
6 yrs.$20,0002.70 %A-
Midland National Life
Guarantee Ultimate 6 Annuity High-Band (MVA)
6 yrs.$200,0002.40 %A+
North American
Guarantee Choice 6 Annuity High-Band (MVA)
6 yrs.$200,0002.40 %A+
Midland National Life
Guarantee Ultimate 6 Annuity Low-Band (MVA)
6 yrs.$10,0002.15 %A+
North American
Guarantee Choice 6 Annuity Low-Band (MVA)
6 yrs.$10,0002.15 %A+
Pacific Life
Pacific Frontiers II 6 Annuity (MVA)
6 yrs.$10,0001.55 %A+
American National
Palladium MYG Annuity 6 High-Band (MVA)
6 yrs.$100,0001.40 %A
American National
Palladium MYG Annuity 6 Low-Band (MVA)
6 yrs.$5,0001.30 %A
Sentinel Security Life
Personal Choice Annuity 5
5 yrs.$2,5003.10 %B++
Guggenheim Life and Annuity
Preserve MYGA 5 Annuity High-Band (MVA)
5 yrs.$249,9992.70 %B++
Guggenheim Life and Annuity
Preserve MYGA 5 Annuity Low-Band (MVA)
5 yrs.$10,0002.60 %B++
Midland National Life
Guarantee Ultimate 5 Annuity High-Band (MVA)
5 yrs.$200,0002.60 %A+
Oxford Life
Multi-Select 5 Annuity (MVA)
5 yrs.$20,0002.55 %A-
EquiTrust Life
Certainty Select 5 Annuity (MVA)
5 yrs.$10,0002.50 %B++
North American
Guarantee Choice 5 Annuity High-Band (MVA)
5 yrs.$200,0002.45 %A+
Delaware Life
Pinnacle MYGA℠ 5 Annuity Year (MVA)
5 yrs.$10,0002.40 %A-
Midland National Life
Guarantee Ultimate 5 Annuity Low-Band (MVA)
5 yrs.$10,0002.40 %A+
North American
Guarantee Choice 5 Annuity Low-Band (MVA)
5 yrs.$10,0002.25 %A+
Genworth Life and Annuity
SecureLiving Rate Saver 5 Annuity High-Band (MVA)
5 yrs.$250,0002.20 %A-
Genworth Life and Annuity
SecureLiving Rate Saver 5 Annuity Mid-Band (MVA)
5 yrs.$100,0002.10 %A-
Fidelity & Guaranty Life
FG Guarantee-Plus 5 Annuity (MVA)
5 yrs.$10,0002.05 %B++
Symetra Life
Symetra Custom 5 Annuity (No ROP) High-Band
5 yrs.$250,0002.00 %A
Great American Life
SecureGain 5 Annuity High-Band (MVA STEP RATE)
5 yrs.$100,0001.95 %A
Fidelity & Guaranty Life
FG Guarantee-Platinum 5 Annuity (MVA)
5 yrs.$10,0001.95 %B++
Genworth Life and Annuity
SecureLiving Rate Saver 5 Annuity Low-Band (MVA)
5 yrs.$25,0001.90 %A-
Great American Life
SecureGain 5 Annuity Low-Band (MVA STEP RATE)
5 yrs.$10,0001.85 %A
Symetra Life
Symetra Custom 5 Annuity (No ROP) Mid-Band
5 yrs.$100,0001.85 %A
Great American Life
SecureGain 5 Annuity No MVA High-Band (STEP RATE)
5 yrs.$100,0001.75 %A
Symetra Life
Symetra Custom 5 Annuity (ROP) High-Band
5 yrs.$250,0001.75 %A
Great American Life
SecureGain 5 Annuity No MVA Low-Band (STEP RATE)
5 yrs.$10,0001.65 %A
Symetra Life
Symetra Custom 5 Annuity (ROP) Mid-Band
5 yrs.$100,0001.65 %A
Allianz Life of North America
Dominator Plus 5 Annuity High-Band (MVA LOAN)
5 yrs.$100,0001.50 %A
Allianz Life of North America
Dominator Plus 5 Annuity Low-Band (MVA LOAN)
5 yrs.$25,0001.50 %A
Minnesota Life
SecureOption Select 5 Annuity Low-Band (MVA)
5 yrs.$5,0001.50 %A+
Minnesota Life
SecureOption Select 5 Annuity High-Band (MVA)
5 yrs.$100,0001.50 %A+
Symetra Life
Symetra Custom 5 Annuity (No ROP) Mid-Band
5 yrs.$50,0001.50 %A
American National
Palladium MYG Annuity 5 High-Band (MVA)
5 yrs.$100,0001.30 %A
Integrity Life
MultiVantage 5 Annuity (MVA)
5 yrs.$20,0001.30 %A+
National Integrity Life
MultiVantage 5 Annuity (MVA)
5 yrs.$20,0001.30 %A+
Pacific Life
Pacific Frontiers II 5 Annuity (MVA)
5 yrs.$10,0001.25 %A+
Symetra Life
Symetra Custom 5 Annuity (ROP) Mid-Band
5 yrs.$50,0001.25 %A
Symetra Life
Symetra Custom 5 Annuity (No ROP) Low-Band
5 yrs.$25,0001.25 %A
American National
Palladium MYG Annuity 5 Low-Band (MVA)
5 yrs.$5,0001.20 %A
Symetra Life
Symetra Custom 5 Annuity (ROP) Low-Band
5 yrs.$25,0001.15 %A
Oxford Life
Multi-Select 4 Annuity (MVA)
4 yrs.$20,0002.30 %A-
Guggenheim Life and Annuity
Preserve MYGA 4 Annuity High-Band (MVA)
4 yrs.$249,9992.10 %B++
Guggenheim Life and Annuity
Preserve MYGA 4 Annuity Low-Band (MVA)
4 yrs.$10,0002.00 %B++
Midland National Life
Guarantee Ultimate 4 Annuity High-Band (MVA)
4 yrs.$200,0001.85 %A+
North American
Guarantee Choice 4 Annuity High-Band (MVA)
4 yrs.$200,0001.75 %A+
Midland National Life
Guarantee Ultimate 4 Annuity Low-Band (MVA)
4 yrs.$10,0001.60 %A+
North American
Guarantee Choice 4 Annuity Low-Band (MVA)
4 yrs.$10,0001.50 %A+
Integrity Life
MultiVantage 4 Annuity (MVA)
4 yrs.$20,0001.25 %A+
National Integrity Life
MultiVantage 4 Annuity (MVA)
4 yrs.$20,0001.25 %A+
Oxford Life
Multi-Select 3 Annuity (MVA)
3 yrs.$20,0002.00 %A-
Delaware Life
Pinnacle MYGA℠ 3 Annuity Year (MVA)
3 yrs.$10,0001.60 %A-
Guggenheim Life and Annuity
Preserve MYGA 3 Annuity High-Band (MVA)
3 yrs.$249,9991.60 %B++
EquiTrust Life
Certainty Select 3 Annuity (MVA)
3 yrs.$10,0001.50 %B++
Guggenheim Life and Annuity
Preserve MYGA 3 Annuity Low-Band (MVA)
3 yrs.$10,0001.50 %B++
Fidelity & Guaranty Life
FG Guarantee-Platinum 3 Annuity (MVA)
3 yrs.$10,0001.25 %B++

Comments (3)

  1. Chris:
    Apr 07, 2015 at 12:30 PM

    I bought a $70,000 annuity a few years ago, to last over 7 years. If I close it out early and I'm under 59, will I lose any of the principal $70K with any penalties? I've already made one interest earnings withdrawal last year. But wondering if "penalty" by IRS and insurance company for early closure will touch the $70,000.

  2. Hersh Stern:
    Apr 07, 2015 at 12:35 PM

    Hi Chris-

    Sounds like you bought a “deferred” annuity with a 7-year surrender charge period. I’m assuming you paid for your annuity with savings, not IRA or 401k monies. So your annuity is what we call “non-qualified.”

    Since you were able to withdraw the interest easily, it appears your annuity permits penalty-free withdrawals of interest during the 7 years. But you are not yet 59-1/2, so there is a 10% federal tax penalty on the interest you withdrew even though the insurance company was okay about it. Those are two separate issues.

    Regarding whether you can cancel your annuity during the 7 years without penalties I suggest calling the insurance company. Only the company can tell you whether or not the surrender penalty for early withdrawals will invade your original principal or investment amount. Some annuities do and some don’t.

    As far as the IRS is concerned, both regular income taxes and any pre-59-1/2 penalty taxes will only apply to the earnings in your annuity, not to the original after-tax savings you invested.

    Hersh

  3. Chris:
    Apr 07, 2015 at 04:03 PM

    Thanks so much, that answered it all! Appreciate your thoughts on it. I didn't even realize I was getting an "annuity" at the time, just some 7 year "thing." (yeah, a novice here)

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