Can I buy a fixed annuity online without a broker?

Yes. Annuital lets you compare and apply for fixed annuities directly online — no sales pressure. You can browse today's rates from Nassau, Oceanview, and F&G, get a free quote, and submit your application in minutes. Our licensed agents are available to answer questions if needed, but you are never required to speak with anyone to apply.

What are today's best fixed annuity rates?

Today's best fixed annuity (MYGA) rates reach up to 5.55% APY from A-rated carriers — more than 1% higher than the best 5-year CD rates currently available at banks. Rates vary by term (3, 5, or 7 years), premium amount, and state. Compare current live rates at Annuital.com.

How does a fixed annuity compare to a CD in 2026?

Fixed annuities (MYGAs) typically pay 1–1.5% more APY than the best CD rates in 2026 — up to 5.55% APY vs. ~4.20% for a 5-year CD. Unlike CDs, annuity interest grows tax-deferred, meaning you don't pay taxes until withdrawal. Both are principal-protected, but MYGAs offer compounding tax-deferred growth that CDs cannot match for retirement savings.

What is a multi-year guaranteed annuity (MYGA)?

A MYGA (multi-year guaranteed annuity) is a fixed annuity that locks in a guaranteed interest rate for a set term — typically 3, 5, or 7 years. Your principal is 100% protected, the rate never changes during your term, and all growth is tax-deferred. It works like a CD but with higher rates and better tax treatment for retirement savings.

How long does it take to buy a fixed annuity from Annuital?

Most applicants can complete the online application in under 10 minutes. You'll need your Social Security number and bank or rollover account information. Funding via electronic bank transfer is typically the fastest option. Once approved, your annuity contract is issued and your guaranteed rate is locked.

Are there fees when buying through Annuital?

The rate you see is the rate you earn. Surrender charges may apply if you withdraw more than the allowed penalty-free amount during the surrender period.

How safe are fixed annuities?

Fixed annuities are backed by the financial strength of AM Best-rated insurance carriers and state guaranty associations (typically up to $250,000 per carrier per state). Your principal is 100% guaranteed and protected from market losses. All carriers on Annuital are rated B++ or better by AM Best.

Can I withdraw money from a fixed annuity?

Most fixed annuities allow penalty-free withdrawals of up to 10% of your account value per year. Withdrawals above that during the surrender period incur surrender charges. After the surrender period ends, you can access your full balance penalty-free. Withdrawals before age 59½ may be subject to a 10% IRS penalty on gains.

What is the minimum investment for a fixed annuity?

The minimum investment on Annuital starts at $10,000 for Nassau's MYAnnuity products and $20,000 for Oceanview and F&G products. There is no maximum investment limit. You can fund with a lump sum bank transfer, IRA rollover, or 401(k) transfer.

What states does Annuital serve?

Annuital is licensed to sell fixed annuities in Connecticut, Florida, Massachusetts, North Carolina, New Hampshire, Rhode Island, and Vermont. Services are not available to residents of California or New York.

What is defined outcome investing?

Defined outcome investing means you know your worst-case and best-case returns before you invest. Instead of exposing your savings to unknown market swings, a defined outcome product sets clear boundaries on your risk — your guaranteed rate, your floor, or your monthly income is established on day one. Fixed annuities (MYGAs), fixed indexed annuities (FIAs), and immediate annuities are all defined outcome products.

How does defined outcome investing work?

A defined outcome product defines your return range upfront. A multi-year guaranteed annuity (MYGA) locks in a guaranteed interest rate for a set term. A fixed indexed annuity (FIA) credits a portion of an index's gains with a 0% floor, so your balance never falls below your principal. An immediate annuity converts a lump sum into guaranteed lifetime income. In every case, the outcome is known before you commit.

Is defined outcome investing safe?

Defined outcome products issued by insurance carriers are 100% principal protected and backed by the financial strength of AM Best B++ or better rated insurers, with additional protection from state guaranty associations. They are not FDIC insured and are subject to surrender charges for early withdrawals, but your principal is protected from market losses.

What is the difference between defined outcome investing and a regular investment?

A regular stock or mutual fund investment has an unknown outcome — your return depends entirely on market performance and can be negative. A defined outcome product sets boundaries: your worst case (the floor) and best case (the cap or guaranteed rate) are defined before you invest, removing the guesswork and market anxiety from retirement savings.

Who is defined outcome investing for?

Defined outcome investing is ideal for retirees and pre-retirees in drawdown who can't afford a market crash, savers who want a higher guaranteed rate than a bank CD, and anyone who needs income that lasts as long as they do. Annuital offers three defined outcome strategies: LockIn (guaranteed rate MYGA), IndexedUp (fixed indexed annuity with a floor), and Paycheck (lifetime income annuity).

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Annuity Calculators

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Enter your premium amount and state — see guaranteed rates up to 5.50% APY from top-rated carriers. Compare products side by side.

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Annuity Payout Calculator

See exactly how much income your annuity will generate — monthly and annually — based on real current rates in your state.

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Fixed Annuity vs CD vs Money Market

Side-by-side comparison of fixed annuities vs CDs vs money market funds vs savings accounts — see which earns more after tax.

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Income Planner (Immediate Annuities)

Calculate guaranteed lifetime income from immediate annuities. Enter your age and premium to see monthly payout projections.

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Annuity Ladder Builder

Enter your savings and income start date — instantly see a visual ladder of staggered MYGA purchases that maximizes yield while keeping money liquid at every rung. Built for savers and advisors.

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FIA Calculator — Oceanview CapLock (9.35% Cap)

See how a 9.35% cap, 0% floor fixed indexed annuity would have credited in the best, worst, and most recent 10-year S&P 500 windows — side by side with the raw index. Historical backtest tool.

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MYGA vs FIA Calculator

Compare a guaranteed multi-year rate against capped S&P 500 potential on the same premium. Quotes every MYGA on the shelf for your state, then shows the indexed product's best, median and worst outcome since 1988.

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Retirement Planning Calculators

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Federal Employee Calculators

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Calculate your federal pension annuity using the official OPM formula. Enter your high-3 salary and years of service for a precise monthly estimate.

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General Financial Calculators

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Common Questions

How much does a $100,000 annuity pay per month?

A $100,000 fixed annuity earning 5.50% APY over 5 years grows to approximately $130,696. If converted to lifetime income, a 65-year-old might receive $500–$700/month depending on the payout option. Use our Annuity Payout Calculator for a precise quote.

What is the required minimum distribution for a $500,000 IRA at age 73?

At age 73, the IRS Uniform Lifetime Table factor is 26.5. For a $500,000 IRA, your 2026 RMD would be approximately $18,868 ($500,000 ÷ 26.5). Use our free RMD Calculator for a precise figure and 15-year projections.

How is a FERS pension calculated?

FERS pension = High-3 average salary × Years of service × 1% (or 1.1% if retiring at 62+ with 20+ years). Example: $90,000 × 25 years × 1% = $22,500/year ($1,875/month). Use our Federal Pension Calculator for a personalized estimate.

When should I claim Social Security to maximize lifetime benefits?

Delaying past Full Retirement Age increases benefits by 8%/year up to age 70. If you're in good health, delaying to 70 often produces the highest lifetime total. Our Social Security Calculator compares all claiming ages 62–70.

Is a fixed annuity better than a CD?

Fixed annuities typically offer higher rates (up to 5.50% vs 3.50–4.75% for CDs in 2026) plus tax-deferred growth. CDs are FDIC insured; annuities are backed by insurance carriers and state guaranty associations. See our full Annuity vs CD comparison.

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