Current 5-Year Fixed Annuity Rates
Compare today's best 5-year fixed annuity rates from top-rated insurance companies
Rates range from 4.95% to 5.45% APY • Guaranteed for full 5-year term
Rate Notice: Rates shown are subject to change daily and may vary based on your age, state of residence, and premium amount. Contact a licensed advisor for personalized quotes and to lock in current rates.
Today's Best 5-Year Fixed Annuity Rates
Rates effective as of today • Updated daily
| Insurance Company | AM Best Rating | 5-Year Rate | Min. Premium | Action |
|---|---|---|---|---|
Athene Annuity & Life Top Pick | A+ | 5.45% APY | $25,000 | Get Quote |
North American Company | A+ | 5.40% APY | $25,000 | Get Quote |
American National | A | 5.35% APY | $10,000 | Get Quote |
Oceanview Life & Annuity | A- | 5.30% APY | $10,000 Max: $1,000,000 | Get Quote |
SILAC Insurance Company | A- | 5.25% APY | $20,000 | Get Quote |
F&G Annuities & Life Top Pick | A- | 5.20% APY | $5,000 | Get Quote |
American Equity | A- | 5.15% APY | $10,000 | Get Quote |
Global Atlantic | A | 5.10% APY | $10,000 | Get Quote |
Sentinel Security Life | B++ | 5.05% APY | $5,000 | Get Quote |
Oxford Life Insurance | A- | 4.95% APY | $15,000 | Get Quote |
* Rates are subject to change without notice. Actual rates depend on age, state, and other underwriting factors.
Estimated Income from $100,000 Investment
* Estimates shown for illustration only. Actual income depends on product terms and payout options selected.
Why Choose a 5-Year Fixed Annuity?
- Optimal Balance: Long enough for substantial growth, short enough to maintain flexibility
- Guaranteed Returns: Lock in today's competitive rates for the full 5-year term
- Tax Deferral: Earnings grow tax-deferred until withdrawal
- Principal Protection: Your initial investment is protected from market losses
Current Market Conditions
Interest Rate Environment: With Federal Reserve rates stabilizing at elevated levels, 5-year fixed annuity rates are at their most attractive levels in over a decade.
Rate Outlook: Industry experts suggest rates may plateau or begin declining in late 2025, making this an opportune time to lock in current rates.
Comparison to Alternatives: Current 5-year annuity rates exceed most 5-year CD rates while offering additional benefits like tax deferral and potentially higher withdrawal allowances.
Frequently Asked Questions
How often do these rates change?
Annuity rates can change daily based on market conditions. The rates shown are updated each business day to reflect current offerings. We recommend connecting with an advisor to lock in rates before they change.
Are these rates guaranteed?
Yes, once you purchase a 5-year fixed annuity, your rate is guaranteed for the full 5-year term. The insurance company cannot change your rate during this period, regardless of market conditions.
Can I access my money during the 5-year term?
Most 5-year annuities allow penalty-free withdrawals of up to 10% annually after the first year. Larger withdrawals may incur surrender charges. Many also offer full access for terminal illness or nursing home confinement.
How do I know which company is best for me?
While rate is important, consider the insurance company's financial strength (AM Best rating), minimum premium requirements, and contract features. A licensed advisor can help match you with the best option for your specific situation.
Ready to Lock In Today's Rates?
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Disclaimer: Rates shown are for illustrative purposes and subject to change without notice. Actual rates will vary based on age, state of residence, premium amount, and other underwriting factors. This is not an offer to sell or solicitation to buy any specific annuity product. Annuities are insurance products and are not FDIC insured. Please consult with a licensed insurance professional for personalized advice and current rate information. Rates last verified: Today.