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Top Guaranteed Annuity Rates

2-Year-Guaranteed-Annuities

Insurance CompanyProduct NameGuaranteed RateFree WithdrawalsDeath Benefit
Oceanview Life and AnnuityHarbourview 2 High Band (Greater than $80K)4.30%Year 1: 0%
Years 2+: 10%
Full Contract Value
AmericoPlatinum Assure 24.30%Year 1: 3%
Years 2+: 3%
Full Contract Value
AspidaSynergy Choice High Band (Greater than $100K)4.10%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
AspidaSynergy Choice Low Band (Less than $100K)3.95%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
Oceanview Life and AnnuityHarbourview 2 Low Band (Less than $80K)3.95%Year 1: 0%
Years 2+: 10%
Full Contract Value
SILAC Insurance Company (Formerly Equitable Life and Casualty)Secure Savings Elite3.15%None Unless Optional Riders are AddedSurrender Value Unless Spousal Continuance
SILAC Insurance Company (Formerly Equitable Life and Casualty)Secure Savings 2.60%Year 1: Greater of Interest or RMD
Years 2+: 5%
Full Contract Value

3-Year-Guaranteed-Annuities

Insurance CompanyProduct NameGuaranteed RateFree WithdrawalsDeath Benefit
AspidaSynergy Choice 3 High Band (More than $100k)5%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
Global AtlanticSecureFore 3 High Band (More than $100K)5%Year 1: 10%
Years 2+: 10%
Full Contract Value
Clear Spring LifePreserve MYGA 3 High Band (More than $250k)5%Year 1: 0%
Years 2+: 10%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 3 High Band ($250K+)4.90%Year 1: 0%
Years 2+: 5%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 3 Mid Band ($100k - $250K)4.90%Year 1: 0%
Years 2+: 5%
Full Contract Value
Clear Spring LifePreserve MYGA 3 (Less Than $250K) 4.90%Year 1: 0%
Years 2+: 10%
Full Contract Value
AspidaSynergy Choice 3 Low Band (Less than $100K)4.85%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
Guaranty Income LifeGuaranty Rate Lock 3 Low Band ($10k - $100K)4.80%Year 1: 0%
Years 2+: 5%
Full Contract Value
Oceanview Life and Annuity Harbourview 3 High Band (More than $80k)4.75%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 3 High Band (More than $250K)4.70%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 3 Mid Band ($100K - $250K)4.60%Year 1: 0%
Years 2+: 10%
Full Contract Value
AmericoPlatinum Assure 34.60%Year 1: 3%
Years 2+: 3%
Full Contract Value
Fidelity & GuarantyFG Guarantee-Platinum 34.50%Year 1: Interest
Years 2+: Interest
Full Contract Value
Global AtlanticSecureFore 3 Low Band (Less than $100K)4.50%Year 1: 10%
Years 2+: 10%
Full Contract Value
OxfordMulti-Select 34.45%Year 1: Interest
Years 2+: 10%
Full Contract Value
North AmericanNAC Guarantee Plus 3 High Band (More than $100k)4.40%Year 1: 0%
Years 2+: Interest
Full Contract Value
Oceanview Life and Annuity Harbourview 3 Low Band (Less than $80k)4.40%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 3 Low Band (Less than $100K)4.35%Year 1: 0%
Years 2+: 10%
Full Contract Value
Mass Mutual Ascend Life Ins. Co. (Formerly Great American)SecureGain 3 High Band (More than $100K)4.10%Year 1: 10%
Years 2+: 10%
Full Contract Value
American NationalPalladium MYG 3 High Band (More than $250k)4.05%Year 1: 10%
Years 2+: 10%
Full Contract Value
American NationalPalladium MYG 3 Mid Band ($100,00 - $250,000)3.90%Year 1: 10%
Years 2+: 10%
Full Contract Value
American NationalPalladium MYG 3 Low Band (Less than $100K)3.80%Year 1: 10%
Years 2+: 10%
Full Contract Value

4-Year-Guaranteed-Annuities

Insurance CompanyProduct NameGuaranteed RateFree WithdrawalsDeath Benefit
AmericoPlatinum Assure 45.15%Year 1: 5%
Years 2+: 5%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 4 High Band ($250K+)5%Year 1: 0%
Years 2+: 5%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 4 Mid Band ($100k - $250K)5%Year 1: 0%
Years 2+: 5%
Full Contract Value
Clear Spring LifePreserve MYGA 4 ($250K+)5%Year 1: 0%
Years 2+: 10%
Full Contract Value
Oceanview Life and AnnuityHarbourview 4 (High Band $80,000+)5%Year 1: 0%
Years 2+: 10%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 4 Low Band ($10k - $100K)4.90%Year 1: 0%
Years 2+: 5%
Full Contract Value
Clear Spring LifePreserve MYGA 4 Low Band (Less Than $250K)4.90%Year 1: 0%
Years 2+: 10%
Full Contract Value
OxfordMulti-Select 44.70%Year 1: Interest
Years 2+: 10%
Full Contract Value
Oceanview Life and AnnuityHarbourview 4 (Low-Band $20,000 - $80,000)4.65%Year 1: 0%
Years 2+: 10%
Full Contract Value
AIG/CorebridgeVisionMYG 4 High Band (Greater than $100k)4.50%Year 1: 0%
Years 2+: 15%
Full Contract Value
Sagicor Life Insurance CompanyMilestone MYGA 4 High Band ($100k+)4.10%Year 1: 0%
Years 2+: 10%
Full Contract Value
Sagicor Life Insurance CompanyMilestone MYGA 4 Mid Band ($50k - $100k)3.85%Year 1: 0%
Years 2+: 10%
Full Contract Value

5-Year-Guaranteed-Annuities

Insurance CompanyProduct NameGuaranteed RateFree WithdrawalsDeath Benefit
Global AtlanticSecureFore 5 High Band (More than $100k)5.40%Year 1: 10%
Years 2+: 10%
Full Contract Value
AmericoPlatinum Assure 55.40%Year 1: 5%
Years 2+: 5%
Full Contract Value
Nassau ReMYAnnuity 5X5.40%Year 1: 0%
Years 2+: 0%
Full Contract Value
AspidaMax Rate Synergy Choice (Greater than $100K)5.40%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
National Life GroupRetireMax Secure 55.25%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 5 High Band (More than $250K)5.25%Year 1: 0%
Years 2+: 10%
Full Contract Value
AspidaSynergy Choice Low Band (Less than $100k)5.25%None Unless Optional Riders are AddedSurrender Value Unless DB Rider is Added Or Spousal Continuance
Fidelity & Guaranty LifeFG Guarantee-Platinum 55.20%Year 1: Interest
Years 2+: Interest
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 5 High Band ($250K+)5.20%Year 1: 0%
Years 2+: 5%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 5 Mid Band ($100k - $250K)5.20%Year 1: 0%
Years 2+: 5%
Full Contract Value
IbexisMYGA Plus 5 Low Band (Less than $100K)5.18% Effective (5.75% Simple Interest)Year 1: 0%
Years 2+: 10%
Full Contract Value
NationwideSecure Growth 5 MVA High Band (Greater than $100K)5.15%Year 1: 10%
Years 2+: 10%
Full Contract Value
Nassau ReMYAnnuity 5X (Added Liquidity)5.10%Year 1: 10%
Years 2+: 10%
Full Contract Value
Oceanview Life and AnnuityHarbourview 5 (High-Band $80,000+)5.10%Year 1: 0%
Years 2+: 10%
Full Contract Value
Guaranty Income LifeGuaranty Rate Lock 5 Low Band ($10k - $100K)5.10%Year 1: 0%
Years 2+: 5%
Full Contract Value
Liberty BankersBankers Elite 55.10%Year 1: 0%
Years 2+: 0%
Full Contract Value
NationwideSecure Growth 5 MVA Low Band (Less than $100K)5%Year 1: 10%
Years 2+: 10%
Full Contract Value
Clear Spring LifePreserve MYGA 5 ($250K+)5%Year 1: 0%
Years 2+: 10%
Full Contract Value
RELIANCE STANDARD LIFE
Reliance Guarantee - 54.95%
Year 1: 10%
Years 2+: 10%
Full Contract Value
Global AtlanticSecureFore 5 Low Band (Less than $100k)4.90%Year 1: 10%
Years 2+: 10%
Full Contract Value
Clear Spring LifePreserve MYGA 5 Low Band4.90%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 5 Mid Band ($100K - $250K)4.85%Year 1: 0%
Years 2+: 10%
Full Contract Value
American EquityGuaranteeShield 5 Low Band (Less than $100K)4.85%Year 1: 0%
Years 2+: 10%
Full Contract Value
Oceanview Life and AnnuityHarbourview 5 (Low-Band $20,000 - $80,000)4.75%Year 1: 0%
Years 2+: 10%
Full Contract Value
OxfordMulti-Select 54.70%Year 1: Interest
Years 2+: 10%
Full Contract Value
North AmericanNAC Guarantee Plus 5 High Band (More than $100k)4.65%Year 1: 0%
Years 2+: Interest
Full Contract Value
SagicorMilestone MYGA 5 High Band ($100k+)4.25%Year 1: 0%
Years 2+: 10%
Full Contract Value
American NationalPalladium MYG 5 High Band ($250,000 +)4.20%Year 1: 10%
Years 2+: 10%
Full Contract Value
American NationalPalladium MYG 5 Low Band (Less Than $250k)4.10%Year 1: 10%
Years 2+: 10%
Full Contract Value

*Features and benefits may vary by product and state. Please review the contract or product disclosure for more information.  Guarantees are based on the financial strength and claims paying ability of the insurance companies and are not guaranteed by any bank or insured by the FDIC.  Annuities are different than Certificates of Deposit and may contain surrender charges and Market Value Adjustments.  Market Value Adjustment (MVA) applies to partial withdrawals that exceed the free withdrawal amount allowed and surrenders occurring during the surrender charge period. CHL and the insurance companies listed above do not offer legal or tax advice. Please consult a qualified professional.

Rates can change with very little notice so please verify the above rates with CHL & Associates.  Annuities are not FDIC Insured and are subject to the claims paying ability of the issuing insurance company.  Product filing form numbers are:  GuaranteeShield (ICC20 BASE-SPDA, ICC20 SPDA-3, ICC20 SPDA-5), Multi-Select (ICC20-MYGA20), Secure Savings and Secure Savings Elite (ICC17 MYGA), Harbourview (ICC19 OLA SPDA), Bankers Elite 3 (ICC17-Bankers 3-0704), Bankers Elite 5 (ICC17-Bankers 5-0704), Milestone MYGA Series (ICC173008 & ICC176068), Guaranty Rate Lock Series (ICC18-GI-FR-MYGA01 (01/18) Guarantee Platinum Series (ICC14-1095(06-14)), MYAnnuity 5X/7X (ICC18IFDAP, ICC18IFDANP)

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