Below are some of the most competitive Multi-Year Guaranteed Annuity (MYGA) rates available today, sourced from our independent rate research through AnnuityRateWatch. As a Florida-licensed fiduciary, LifeCraft Retirement Income works with 40+ A-rated carriers and can secure rates from any major issuer on your behalf. If a rate below catches your eye, schedule a complimentary call and we’ll walk you through the carrier’s financial strength, surrender terms, and whether it fits your overall retirement income plan.
Top Multi-Year Guaranteed Annuity (MYGA) Rates
| Term | Carrier | Product | Rate |
|---|---|---|---|
| 2 Years | Axonic Insurance | Waypoint 2 MYGA | 5.00% |
| 3 Years | Nexannuity | Nex3 | 5.75% |
| 4 Years | Oceanview Life and Annuity | Harbourview 4 | 5.20% |
| 5 Years | Farmers Life Insurance | Safeguard Plus 5 | 6.00% |
| 6 Years | American National | Palladium MYG MAX 6 | 5.62% |
| 7 Years | Farmers Life Insurance | Safeguard Plus 7 | 5.95% |
| 8 Years | Talcott Financial Group | EverStead MYGA 8 | 5.30% |
| 9 Years | Talcott Financial Group | EverStead MYGA 9 | 5.30% |
| 10 Years | Farmers Life Insurance | Safeguard Plus 10 | 6.05% |
Last Updated: May 6, 2026
Important Disclosures:
Rates shown are indicative and subject to change without notice. They vary by state of issue, premium amount, and product features. This information is not an offer to sell or a solicitation to purchase any annuity product. Annuity contracts contain terms for keeping them in force, including surrender charges and other limitations. Annuities are not FDIC insured; guarantees are based on the claims-paying ability of the issuing insurance company. Always consult a licensed financial professional — like LifeCraft Retirement Income (FL Lic. #W064741) — before making a purchase decision.
Source: AnnuityRateWatch. Last Updated: May 6, 2026.