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Defined Outcome Investing  ·  Guaranteed Returns  ·  Tax-Deferred

Know your outcomebefore you invest.

Defined outcome investing means your return, growth, or income is set before you commit — no guesswork, no market anxiety.

Principal ProtectedA-Rated CarriersLicensed in 49 StatesNo SSN Required to Quote40+ Years Experience

Rates subject to change. Guarantees backed by issuing insurance carrier. Not FDIC insured. Not available in CA or NY.

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Your outcomes backed by

Nationwide
AM Best A+
Oceanview Life
AM Best A
F&G
AM Best A-

Choose your strategy

Guaranteed Rate

LockIn

Lock in a guaranteed rate for 2–10 years. Your growth is set on day one.

Multi-year guaranteed annuity (MYGA)

Protected Growth

IndexedUp

Participate in market growth with a protected floor. You can't lose what you put in.

Fixed indexed annuity (FIA)

Lifetime Income

Paycheck

Turn your savings into guaranteed monthly income you can't outlive.

Single premium immediate annuity

Compare all three strategies side by side →

Outcomes delivered

$120M+

premium secured

8,000+

retirees served

Up to 5.55%

average LockIn rate

"I locked in 5.4% for 5 years. First time in retirement I actually know what I'm getting."

Margaret

68 · Florida · LockIn

"My TSP was making me nervous. Now I have a paycheck that shows up every month, no matter what the market does."

Robert

71 · Texas · Paycheck

"I wanted some growth but couldn't afford a crash. IndexedUp let me sleep through the last downturn."

Diane

64 · North Carolina · IndexedUp

BBB Accredited Business
AM Best A-Rated Carriers

Placeholder quotes — swap for verified testimonials.

Platform tools

Contract Checkup

Already have a policy? See if you're getting the best outcome.

Maturity Tracker

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Federal retiree? We built tools specifically for FERS, TSP, and FEGLI.

Plan your pension, TSP withdrawals, and defined outcome strategy in one place.

What is Defined Outcome Investing?

Defined outcome investing means you know your worst-case and best-case returns before you commit a dollar. Instead of exposing your savings to unknown market swings, a defined outcome product puts clear boundaries on your risk — your rate, your floor, or your monthly income is set on day one. Every product Annuital offers is a defined outcome product, built around three strategies:

LockIn

A guaranteed rate, locked

A multi-year guaranteed annuity (MYGA) sets your interest rate for the full term — your growth is known before you invest. Run the numbers →

IndexedUp

Market upside, with a floor

A fixed indexed annuity (FIA) credits a portion of S&P 500 gains with a 0% floor — you share in upside without ever losing principal. See the backtest →

Paycheck

Income you can't outlive

A single premium immediate annuity turns a lump sum into guaranteed monthly income for life — your paycheck is set before you commit. Estimate your income →

Defined outcome investing is the opposite of guessing. Whether you're a retiree in drawdown who can't afford a market crash, a saver who wants a higher guaranteed rate than a CD, or someone who needs income that lasts as long as you do — there's a defined outcome strategy built for it. All products are issued by AM Best B++ or better carriers and are 100% principal protected.

Today's Highest Rate  ·  Live

What does a $100,000 depositearn me today?

Today's top fixed annuity rate is 5.55% APY, from Nassau Life and Annuity Company (MYAnnuity 7X), guaranteed for 7 years — tax-deferred.

Your Deposit

$100,000

Year 1 Earnings

$5,550

Total Interest · 7 Yrs

$45,951

Illustration only. Earnings grow tax-deferred; withdrawals before age 59½ may incur IRS penalties. Surrender charges apply for early withdrawals during the 7-year term. Rates subject to change.

Tax-Equivalent Yield

Your 5.55% APY is worth 5.78% to a taxable investor

Only the gains in a fixed annuity get the yearly tax-deferral boost — you eventually pay tax on them at withdrawal. Over a 7-year term at a 22% federal + 5% state marginal rate, a fully taxable investment (taxed on interest each year) would need to yield 5.78% to match this annuity — a +0.23% edge from deferral.

Annuity APY

5.55%

Term

7 yrs

Marginal Tax Rate

27%

Tax-Equivalent Yield

5.78%

Illustration only. Tax-equivalent yield compares the annuity's tax-deferred growth (tax paid once at withdrawal on the gains) to a fully taxable alternative taxed on interest each year, over the same 7-year term. Actual tax treatment depends on your individual circumstances — consult a qualified tax advisor. Withdrawals before age 59½ may incur IRS penalties.

Tax-Equivalent Yield of Fixed Annuities

A 5.55% tax-deferred annuity is not worth 7.6% to a taxable investor — that number uses the tax-free bond formula. Because you eventually pay tax on the gains, the true 7-year tax-equivalent yield is about 5.78% (a +0.23 point edge from deferral), stacking on top of annuities' already higher headline rates.

Read the full guide: the correct formula, examples & FAQ

Today's Top Rates  ·  Updated Daily

Get a personalized quote

3-Year

5.20%

APY Guaranteed

Oceanview Life and Annuity Company

Quote

5-Year· Most Popular

5.50%

APY Guaranteed

Nassau Life and Annuity Company

Quote

7-Year

5.55%

APY Guaranteed

Nassau Life and Annuity Company

Quote

Why Annuital  ·  Built Different

Experience

40 Years in the Business

Small Business Insurance Agency has been placing fixed annuities since 1984. Decades of expertise behind every recommendation.

Speed

Apply in 10 Minutes

Complete your preliminary application online in minutes. Our concierge team will then walk you through the full process, review the product with you, and ensure it's the right fit before anything is finalized.

Support

Human Backup When You Need It

Licensed agents are a phone call away. Real answers from real people — no bots, no runaround.

Buy Fixed Annuities (MYGAs) Online — Guaranteed Rates Up to 5.55% APY

Compare and buy fixed annuities — also referred to as multi-year guaranteed annuities (MYGAs) — from top-rated insurance carriers with guaranteed interest rates significantly higher than bank CDs. A MYGA locks in a guaranteed interest rate for a set term (typically 3, 5, or 7 years), offering tax-deferred growth, 100% principal protection, and predictable retirement income — all without market risk.

✓Rates up to 5.55% APY — Higher than most CDs
✓Tax-deferred growth — No annual taxes on earnings
✓Principal protected — Your money is safe

Trusted by federal employees for TSP rollovers, FERS planning, and retirement income strategies.

Fixed Annuity Products (MYGAs)

7 multi-year guaranteed annuities available in FL

Nassau Life and Annuity Company

MYAnnuity 7X

B++

Rate · FL

5.55%

APY Guaranteed

Term

7yr

Surrender Period

$100k Growth Projection

+$45,951 over 7 yrs

Yr 0Yr 3Yr 6$98k$113k$128k$148k
Min Premium$10,000
Free Withdrawal/yrNone
Terminal Illness WaiverNursing Home WaiverEnhanced Death Benefit

Rates subject to change. Guarantees backed by issuing carrier.

Nassau Life and Annuity Company

MYAnnuity 5X

B++

Rate · FL

5.50%

APY Guaranteed

Term

5yr

Surrender Period

$100k Growth Projection

+$30,696 over 5 yrs

Yr 0Yr 2Yr 4$98k$107k$116k$133k
Min Premium$10,000
Free Withdrawal/yrNone
Terminal Illness WaiverNursing Home Waiver

Rates subject to change. Guarantees backed by issuing carrier.

Nassau Life and Annuity Company

MYAnnuity 7X with 10% Free Withdrawal

B++

Rate · FL

5.35%

APY Guaranteed

Term

7yr

Surrender Period

$100k Growth Projection

+$44,026 over 7 yrs

Yr 0Yr 3Yr 6$98k$113k$128k$146k
Min Premium$10,000
Free Withdrawal/yr10%
10% penalty-free withdrawal annuallyGuaranteed fixed rate for 7 yearsDeath benefit included

Rates subject to change. Guarantees backed by issuing carrier.

Nassau Life and Annuity Company

MYAnnuity 5X with 10% Free Withdrawal

B++

Rate · FL

5.30%

APY Guaranteed

Term

5yr

Surrender Period

$100k Growth Projection

+$29,462 over 5 yrs

Yr 0Yr 2Yr 4$98k$107k$115k$131k
Min Premium$10,000
Free Withdrawal/yr10%
10% penalty-free withdrawal annuallyGuaranteed fixed rate for 5 yearsDeath benefit included

Rates subject to change. Guarantees backed by issuing carrier.

F&G

Platinum 5

A-

Rate · FL

5.25%

APY Guaranteed

Term

5yr

Surrender Period

$100k Growth Projection

+$29,155 over 5 yrs

Yr 0Yr 2Yr 4$98k$107k$115k$131k
Min Premium$20,000
Free Withdrawal/yrNone
Nursing Home WaiverFlexible Premium OptionsGuaranteed Death Benefit

Rates subject to change. Guarantees backed by issuing carrier.

Oceanview Life and Annuity Company

Harbourview 3

A

Rate · FL

5.20%

APY Guaranteed

Term

3yr

Surrender Period

$100k Growth Projection

+$16,425 over 3 yrs

Yr 0Yr 2$98k$104k$109k$118k

Rate Tiers · FL

$20,000+4.85%
$70,000+5.20%
Min Premium$20,000
Free Withdrawal/yr10%
10% Free Withdrawal after Year 1RMD Friendly

Rates subject to change. Guarantees backed by issuing carrier.

Nationwide Life and Annuity Insurance Company

Secure Growth 3

A+

Rate · FL

4.00%

APY Guaranteed

Term

3yr

Surrender Period

$100k Growth Projection

+$12,486 over 3 yrs

Yr 0Yr 2$98k$103k$107k$114k

Rate Tiers · FL

$10,000+3.60%
$100,000+4.00%
Min Premium$10,000
Free Withdrawal/yr10%
10% annual penalty-free withdrawal100% principal protectedTax-deferred growth

Rates subject to change. Guarantees backed by issuing carrier.

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Frequently Asked Questions About Fixed Annuities

What is a fixed annuity?

A fixed annuity is a tax-deferred insurance contract that guarantees a fixed interest rate for a specific period, typically 3-10 years. Unlike CDs, your earnings grow tax-free until withdrawal.

Are fixed annuities better than CDs?

Fixed annuities often offer higher rates than CDs (5.55% vs 3-4%), plus tax-deferred growth. However, they have surrender periods. They're ideal for retirement savings you won't need immediately.

What is a MYGA?

A Multi-Year Guaranteed Annuity (MYGA) is what fixed annuities are also referred to as. A MYGA locks in your interest rate for the entire term, similar to how a CD works but with tax-deferred growth and higher rates.

How safe are fixed annuities?

Fixed annuities are backed by the financial strength of A-rated insurance companies and protected by state guaranty associations. Your principal is 100% protected from market losses.

How much do I need to retire comfortably?

A common rule is to replace 70-80% of your pre-retirement income. For example, if you earn $100k/year, aim for $70-80k in retirement income from pensions, Social Security, and savings.

Can I withdraw money early from a fixed annuity?

Most fixed annuities allow 10% penalty-free withdrawals annually. Larger withdrawals during the surrender period incur surrender charges. Withdrawals before age 59½ may also have a 10% IRS penalty.

Should I roll my TSP into an annuity?

Many federal retirees roll a portion (not all) of their TSP into fixed annuities to get guaranteed rates of 5%+ vs the G Fund's 3-4%, while keeping flexibility with the remaining balance.

What states does Annuital serve?

We serve residents of Connecticut, Florida, Georgia, Massachusetts, Michigan, North Carolina, New Hampshire, Ohio, Pennsylvania, Rhode Island, Texas, and Vermont. We are not licensed in California or New York.

Important Disclosures: Rates shown are current as of today and subject to change. All annuities are issued by licensed insurance companies and guarantees are backed by the financial strength of the issuing carrier. Products not available in CA or NY. Surrender charges apply for early withdrawals. All projections are illustrations only and not guarantees of future performance.