Multi Year Guarantee Annuities (MYGA) Yield Curve

The chart below shows the average and best MYGA interest rates arranged by the Guaranteed Period. The chart uses actual current rates effective 8/21/2014.

The average Guaranteed Yield to Surrender is calculated by averaging all MYG products in our database for each duration. For example, for the five year guarantee period, we averaged the rates of 230 MYGA products to get 1.64% as shown in the chart.





The Following MYGA Products are Included in the Chart

Find out which company has the best rates, get notified before rates change and see side-by-side comparisons of all products with full product detail.  Learn More.

1 Year MYGAs
BankRate.com
1-Year CD (National Avg.)
Fidelity Investments
Brokered CD (1 year)
Brokered CD (3 month)
Brokered CD (6 month)
Brokered CD (9 month)
Protective Life Corporation
ProSaver RateBuilder 1
ProSaver Select (5 yr. ladder) 1
ProSaver Select (7 yr. ladder) 1
2 Year MYGAs
Fidelity Investments
Brokered CD (2 year)
Protective Life Corporation
ProSaver RateBuilder 2
ProSaver Select (5 yr. ladder) 2
ProSaver Select (7 yr. ladder) 2
3 Year MYGAs
BankRate.com
3-Year CD (National Avg.)
Commonwealth Annuity
Commonwealth MYGA 3
Delaware Life
Pinnacle MYGAsm 3 Year
Pinnacle MYGAsm 3 Year (DE & FL)
EquiTrust Life Insurance Company
Certainty Select 3
Certainty Select 3 w/ Optional Liquidity Rider
Fidelity & Guaranty Life
FG Guarantee-Platinum 3
Fidelity Investments
Brokered CD (3 year)
Forethought Financial
SecureForeSM 3
SecureForeSM 3 ROP
Guggenheim Life and Annuity Company
Preserve MYGA 3
Liberty Bankers Life
Bankers 3
Bankers Elite 3
Manhattan Life Insurance Company
Preferred Choice 3
New York Life Insurance and Annuity Corporation
Secure Term Choice II (3-Year)
Secure Term MVA II (3-Year)
Principal Financial Group
Principal Preferred Series Annuity 3
Principal Preferred Series Annuity 3 (NY)
Principal Select Series 3
Protective Life Corporation
ProSaver RateBuilder 3
ProSaver Select (5 yr. ladder) 3
ProSaver Select (7 yr. ladder) 3
ProSaver Select R 3
Royal Neighbors of America
Choice 3
Security Benefit Life
Advanced Choice 3
Western United Life
SGA III
4 Year MYGAs
Guaranty Income Life
Guaranty 4 Annuity
Guggenheim Life and Annuity Company
Preserve MYGA 4
Integrity Life Insurance
MultiVantage 4
MetLife Investors USA Insurance Company
Target Maturity 4
Midland National Life
Guarantee Ultimate 4
Guarantee Ultimate II 4
National Integrity Life Insurance
MultiVantage 4
North American Company
Guarantee Choice 4
Guarantee Choice II 4
Pacific Life
Pacific Frontiers II 4
Phoenix Life Insurance Company
Phoenix Select Plus® 4-year
Principal Financial Group
Principal Preferred Series Annuity 4
Principal Preferred Series Annuity 4 ROP
Principal Preferred Series Annuity 4 ROP (NY)
Principal Select Series 4
Protective Life Corporation
ProSaver RateBuilder 4
ProSaver Select (5 yr. ladder) 4
ProSaver Select (7 yr. ladder) 4
ProSaver Select R 4
Transamerica Life
Savers Choice 4 No ROP
Savers Choice 4 ROP
Transamerica Select 4
5 Year MYGAs
AIG
American Pathway 5 - 5 Year
American Pathway 5 - 5 Year MVA
American Pathway 5 - 5 Year MVA No ROP
American Pathway 5 - 5 Year No ROP
American Pathway SolutionsMYG 5
BB&T Decathlon MVA 5-Year
BB&T Decathlon Non-GROP MVA 5-Year
WNL Eagle Nest 5
WNL PNCI Flexible Premium 5
WNL Stable Growth 5
Allianz Life Insurance Company of North America
Dominator Plus 5
American Equity Investment Life Insurance Company
Guarantee 5 (ICC13 MYGA)
Guarantee 5 (SPDA-MYGA)
American General Life Insurance Company
American Pathway Secure 10 Annuity (5 Year)
American Pathway Select MVA 10 Annuity (5 Year)
American National Insurance Company
Palladium MYG Annuity 5
American National Life Insurance Company of NY
Palladium MYG 5
Americo
Platinum Assure 5
Annuity Investors Life
GreatStep Five sm
GreatStep Five smNo MVA
Athene Annuity & Life
Athene MaxRate 5
Athene MaxRate 5 (CA)
Athene MaxRate 5 (FL)
Athene MaxRate EL 5
Athene MaxRate EL 5 (FL)
Athene Annuity & Life Assurance Company of New York
Athene MaxRate 5
Athene MaxRate 5 Enhanced Liquidity
Bankers Life Insurance Company
SPDA 5
SPDA Select
BankRate.com
5-Year CD (National Avg.)
Commonwealth Annuity
Commonwealth MYGA 5
CUNA Mutual
Members Select Fixed Annuity II 5-Year
Delaware Life
Pinnacle MYGAsm 5 Year
Pinnacle MYGAsm 5 Year (DE & FL)
EquiTrust Life Insurance Company
Certainty Select 5
Certainty Select 5 w/ Optional Liquidity Rider
Fidelity & Guaranty Life
FG Guarantee-Platinum 5
FG Guarantee-Platinum 5 (CT,NC,OK)
FG Guarantee-Plus 5
Fidelity Investments
Brokered CD (5 year)
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 5
First Symetra Custom 5 (ROP)
Forethought Financial
SecureFore 5
SecureFore 5 ROP
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 5
Great American Life Insurance Company
American Freedom Stars & Stripes® 5 (MVA)
American Freedom Stars & Stripes® 5 (Non MVA)
SecureGain 5
SecureGain 5 No MVA
Guardian Insurance & Annuity Co.
Guardian Fixed Target Annuity 5
Guggenheim Life and Annuity Company
Preserve MYGA 5
ProOption MYGA 5
Integrity Life Insurance
MultiVantage 5
John Hancock
JH Liberty 5
Liberty Bankers Life
Bankers 5
Bankers 5 Premier
Bankers 5 Premier Plus
Bankers Elite 5
Liberty Life Assurance Company of Boston
Balance Annuity 5 MYGA
Balance Annuity 5 MYGA No ROP
Foundation Annuity MYGA
Foundation Annuity MYGA No ROP
Lincoln Financial Group
Lincoln ClassicSolutionSM Fixed
Lincoln MYGuaranteesm Plus 5
Lincoln Select 5
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 5
Manhattan Life Insurance Company
Preferred Choice 5
Mass Mutual
Stable Voyage 5
MetLife Investors USA Insurance Company
Fixed Annuity FA 5
Target Maturity 5
Midland National Life
Dynamic Choice® 5
Dynamic Choice® 5 ROP
Dynamic Choice® 5 with MVA
Dynamic Choice® 5 with MVA & ROP
Guarantee Ultimate 5
Guarantee Ultimate II 5
Minnesota Life
SecureOption Select 5-Year
Mutual of Omaha
Ultra - Secure Plus 5
National Integrity Life Insurance
MultiVantage 5
Nationwide Life and Annuity Insurance Company
Nationwide Platinum V® Plus
Nationwide Platinum V® Plus ROP
New York Life Insurance and Annuity Corporation
Secure Term Choice II (5-Year)
Secure Term MVA II (5-Year)
North American Company
Guarantee Choice 5
Guarantee Choice II 5
Oxford Life Insurance Company
Income Protector
Pacific Life
Pacific Frontiers II 5
Phoenix Life Insurance Company
Phoenix Select Plus® 5-year
Principal Financial Group
Principal Preferred Series Annuity 5
Principal Preferred Series Annuity 5 ROP
Principal Select Series 5
Protective Life Corporation
FutureSaver II Annuity 5
FutureSaver II Annuity 5 (ROP)
ProSaver Platinum 5
ProSaver Platinum Plus 5
ProSaver RateBuilder 5
ProSaver Select (5 yr. ladder) 5
ProSaver Select (7 yr. ladder) 5
ProSaver Select R 5
RiverSource
Quantum Select 5 (No ROP)
Quantum Select 5 (ROP)
Royal Neighbors of America
Choice 5
Security Benefit Life
Advanced Choice 5
Choice Fixed Annuity 5
Lighthouse Select 5
Sentinel Security Life Insurance Company
Personal Choice Annuity 5
Personal Choice Annuity 5 FL
Personal Choice Annuity 5 MN
Symetra Life Insurance Company
Select 5 (No ROP)
Select 5 (ROP)
Select 5 No ROP
Select 5 ROP
Symetra Custom 5 (No ROP)
Symetra Custom 5 (ROP)
The Standard
Focused Growth Annuity 5
Secured Rate Annuity 5
Transamerica Life
Capital Builder 5
Savers Choice 5 No ROP
Savers Choice 5 ROP
Transamerica Select 5
Western United Life
Future Max V-V
Western-Southern Life Assurance Company
Acclaim 5-Year
Acclaim 5-Year ROP
6 Year MYGAs
AIG
American Pathway SolutionsMYG 6
WNL Regions Advantage 6
American Equity Investment Life Insurance Company
Guarantee 6 (ICC13 MYGA)
American General Life Insurance Company
American Pathway Achiever MVA 10
American National Insurance Company
Palladium MYG Annuity 6
American National Life Insurance Company of NY
Palladium MYG 6
CUNA Mutual
Members Focus Fixed Annuity 6
EquiTrust Life Insurance Company
Certainty Select 6
Certainty Select 6 w/ Optional Liquidity Rider
Guaranty Income Life
Guaranty 6 Annuity
Guardian Insurance & Annuity Co.
Guardian Fixed Target Annuity 6
Guggenheim Life and Annuity Company
Preserve MYGA 6
John Hancock
JH Liberty 6
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 6
Lincoln Select 6
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 6
Manhattan Life Insurance Company
Preferred Choice 6
MetLife Investors USA Insurance Company
Target Maturity 6
Midland National Life
Guarantee Ultimate 6
Guarantee Ultimate II 6
New York Life Insurance and Annuity Corporation
Secure Term Choice II (6-Year)
Secure Term MVA II (6-Year)
North American Company
Guarantee Choice 6
Guarantee Choice II 6
Pacific Life
Pacific Explorer 6
Pacific Frontiers II 6
Principal Financial Group
Principal Preferred Series Annuity 6
Principal Preferred Series Annuity 6 ROP
Principal Select Series 6
Protective Life Corporation
FutureSaver II Annuity 6
FutureSaver II Annuity 6 (ROP)
ProSaver Platinum 6
ProSaver Platinum Plus 6
ProSaver Plus II 6
ProSaver RateBuilder 6
ProSaver Select (7 yr. ladder) 6
ProSaver Select R 6
Royal Neighbors of America
Choice 6
The Standard
Focused Growth Annuity 6
Secured Rate Annuity 6
Transamerica Life
Savers Choice 6 No ROP
Savers Choice 6 ROP
Transamerica Select 6
Western-Southern Life Assurance Company
Horizon 6
Horizon 6 ROP
7 Year MYGAs
AIG
American Pathway 7 - 7 Year
American Pathway 7 - 7 Year No ROP
American Pathway 7 - MVA - 7 Year
American Pathway 7 - MVA - 7 Year No ROP
American Pathway Fixed Annuity 7
American Pathway Set Rate Annuity 7
American Pathway SolutionsMYG 7
BB&T Decathlon 7
BB&T Decathlon MVA 7-Year
BB&T Decathlon Non-GROP 7
BB&T Decathlon Non-GROP MVA 7-Year
WNL PNCI Flexible Premium 7
WNL Stable Growth 7
American Equity Investment Life Insurance Company
Guarantee 7 (ICC13 MYGA)
Guarantee 7 (SPDA-MYGA)
American General Life Insurance Company
American Pathway Secure 10 Annuity (7 Year)
American Pathway Select MVA 10 Annuity (7 Year)
American National Insurance Company
Palladium MYG Annuity 7
American National Life Insurance Company of NY
Palladium MYG 7
Annuity Investors Life
GreatStep Seven sm
GreatStep Seven sm No MVA
Athene Annuity & Life
Athene 7 MYG
Athene MaxRate 7
Athene MaxRate 7 (CA)
Athene MaxRate 7 (FL)
Athene MaxRate EL 7
Athene MaxRate EL 7 (FL)
Athene Annuity & Life Assurance Company of New York
Athene MaxRate 7
Athene MaxRate 7 Enhanced Liquidity
Commonwealth Annuity
Commonwealth MYGA 7
CUNA Mutual
Members Select Fixed Annuity II 7-Year
Members Select Fixed Annuity II 7-Year (No MVA)
Delaware Life
Pinnacle MYGAsm 7 Year
Pinnacle MYGAsm 7 Year (DE & FL)
Fidelity & Guaranty Life
FG Guarantee-Platinum 7
FG Guarantee-Plus 7
First Symetra Nat’l Life Ins Co of NY
First Symetra Custom 7
First Symetra Custom 7 (ROP)
Genworth Life and Annuity Insurance Co
SecureLiving Rate Saver 7
Great American Life Insurance Company
American Freedom Stars & Stripes® 7 (MVA)
American Freedom Stars & Stripes® 7 (Non MVA)
SecureGain 7
SecureGain 7 No MVA
Guggenheim Life and Annuity Company
Preserve MYGA 7
ProOption MYGA 7
Integrity Life Insurance
MultiVantage 7
SPDA Series II 7
John Hancock
JH Liberty 7
Liberty Bankers Life
Bankers 7
Bankers 7 Premier
Bankers Elite 7
Lincoln Financial Group
Lincoln Long-Term Care Fixed Annuity
Lincoln MYGuaranteesm Plus 7
Lincoln Select 7
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 7
Manhattan Life Insurance Company
Preferred Choice 7
Mass Mutual
Stable Voyage 7
MetLife Investors USA Insurance Company
Fixed Annuity FA 7
Target Maturity 7
Midland National Life
Guarantee Ultimate 7
Guarantee Ultimate II 7
Minnesota Life
SecureOption Focus 7
SecureOption Select 7-Year
Mutual of Omaha
Ultra - Secure Plus 7
National Integrity Life Insurance
MultiVantage 7
New Momentum 7
New York Life Insurance and Annuity Corporation
Secure Term Choice II (7-Year)
Secure Term MVA II (7-Year)
North American Company
Guarantee Choice 7
Guarantee Choice II 7
Pacific Life
Pacific Expedition
Pacific Expedition With RateAdvantage
Pacific Frontiers II 7
Pacific Income Advantage 7
Phoenix Life Insurance Company
Phoenix Select Plus® 7-year
Principal Financial Group
Principal Preferred Series Annuity 7
Principal Preferred Series Annuity 7 ROP
Principal Select Series 7
Protective Life Corporation
FutureSaver II Annuity 7
FutureSaver II Annuity 7 (ROP)
ProSaver Platinum 7
ProSaver Platinum Plus 7
ProSaver RateBuilder 7
ProSaver Select (7 yr. ladder) 7
ProSaver Select R 7
Security Benefit Life
Advanced Choice 7
Choice Fixed Annuity 7
Lighthouse Select 7
Sentinel Security Life Insurance Company
Personal Choice Annuity 7
Personal Choice Annuity 7 FL
Personal Choice Annuity 7 MN
Symetra Life Insurance Company
Symetra Custom 7 (7-Year ROP)
Symetra Custom 7 (No ROP)
Symetra Custom 7 (ROP)
The Standard
Focused Growth Annuity 7
Transamerica Life
Savers Choice 7 No ROP
Savers Choice 7 ROP
Transamerica Select 7
United States Life Insurance Co. (NY)
AG Horizon EmpireSecure 7
VALIC
VALIC Assured Choice Annuity 7
Western-Southern Life Assurance Company
MultiRate (Option 7)
8 Year MYGAs
AIG
American Pathway Set Rate Annuity 8
American Pathway SolutionsMYG 8
American National Insurance Company
Palladium MYG Annuity 8
EquiTrust Life Insurance Company
Certainty Select 8
Certainty Select 8 w/ Optional Liquidity Rider
Guaranty Income Life
Guaranty 8 Annuity
Guggenheim Life and Annuity Company
Preserve MYGA 8
John Hancock
JH Liberty 8
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 8
Lincoln Select 8
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 8
Midland National Life
Guarantee Ultimate 8
Guarantee Ultimate II 8
New York Life Insurance and Annuity Corporation
Secure Term Choice (8-Year)
Secure Term MVA (8-Year)
North American Company
Guarantee Choice 8
Guarantee Choice II 8
Pacific Life
Pacific Frontiers II 8
Pacific Income Advantage 8
Protective Life Corporation
FutureSaver II Annuity 8
FutureSaver II Annuity 8 (ROP)
ProSaver Platinum 8
Transamerica Life
Savers Choice 8 No ROP
Savers Choice 8 ROP
Transamerica Select 8
9 Year MYGAs
AIG
American Pathway Set Rate Annuity 9
American Pathway SolutionsMYG 9
American National Insurance Company
Palladium MYG Annuity 9
Guggenheim Life and Annuity Company
Preserve MYGA 9
John Hancock
JH Liberty 9
Liberty Bankers Life
Bankers Elite 9
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 9
Lincoln Select 9
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 9
Mass Mutual
Stable Voyage 9
Midland National Life
Guarantee Ultimate 9
Guarantee Ultimate II 9
Minnesota Life
SecureOption Select 9-Year
North American Company
Guarantee Choice 9
Guarantee Choice II 9
Pacific Life
Pacific Frontiers II 9
Pacific Income Advantage 9
Principal Financial Group
Principal Select Series 9
Protective Life Corporation
FutureSaver II Annuity 9
FutureSaver II Annuity 9 (ROP)
ProSaver Platinum 9
10 Year MYGAs
AIG
American Pathway Fixed Annuity 10
American Pathway Set Rate Annuity 10
American Pathway SolutionsMYG 10
Allianz Life Insurance Company of North America
Dominator Plus 10
American General Life Insurance Company
American Pathway Select MVA 10 Annuity (10 Year)
American National Insurance Company
Palladium MYG Annuity 10
American National Life Insurance Company of NY
Palladium MYG 10
CUNA Mutual
Members Select Fixed Annuity II 10-Year
Members Select Fixed Annuity II 10-Year (No MVA)
Members Select Fixed Annuity II 5-Year (No MVA)
Delaware Life
Pinnacle MYGAsm 10 Year
Pinnacle MYGAsm 10 Year (DE & FL)
EquiTrust Life Insurance Company
Certainty Select 10
Certainty Select 10 w/ Optional Liquidity Rider
Guggenheim Life and Annuity Company
Preserve MYGA 10
ProOption MYGA 10
ING Annuity and Asset Sales
Guarantee Choice 10
Integrity Life Insurance
MultiVantage 10
New Momentum 10
John Hancock
JH Liberty 10
Lincoln Financial Group
Lincoln MYGuaranteesm Plus 10
Lincoln Select 10
Lincoln Life & Annuity of New York
Lincoln MYGuaranteesm Plus 10
MetLife Investors USA Insurance Company
Fixed Annuity FA 10
Target Maturity 10
Midland National Life
Guarantee Ultimate 10
Guarantee Ultimate II 10
National Integrity Life Insurance
MultiVantage 10
New Momentum 10
North American Company
Guarantee Choice 10
Guarantee Choice II 10
Pacific Life
Pacific Frontiers II 10
Pacific Income Advantage 10
Phoenix Life Insurance Company
Phoenix Select Plus® 10-year
Protective Life Corporation
FutureSaver II Annuity 10
FutureSaver II Annuity 10 (ROP)
ProSaver Platinum 10
Sentinel Security Life Insurance Company
Personal Choice Annuity 10
Personal Choice Annuity 10 FL
Personal Choice Annuity 10 MN
The Standard
Focused Growth Annuity 10
15 Year MYGAs
Protective Life Corporation
ProSaver Platinum 15

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