2026's best fixed annuity rates near 6.50% are at 15-year highs. Call 1-800-MEDIGAP to lock one in.
What are the best annuity rates in 2026?
In mid-2026, the best fixed annuity (MYGA) rates reach roughly 6.50 percent APY on top contracts, with leading 5-year deals near 6.30 percent and top A-rated carriers around 5.70 percent, according to industry rate trackers. The very highest advertised rates sometimes come from lower-rated insurers, so balance yield against financial strength. Immediate annuity payouts are likewise elevated, paying a 65-year-old roughly $600-$700 monthly per $100,000. These rates remain near 15-year highs. Because rates change daily and vary by state and carrier, comparing several at once captures the best deal. Call 1-800-MEDIGAP for today's strongest annuity rates from A-rated insurers.
Why are 2026 annuity rates so high, and will they last?
Annuity rates are elevated in 2026 because they track interest rates, which climbed to multi-year highs and have only begun to ease. As the Federal Reserve cuts rates, annuity rates are expected to drift lower through 2026, though the decline should be gradual. That dynamic favors buyers who act now: locking a fixed annuity today guarantees the current rate for your full term, insulating you from future cuts. Waiting risks lower payouts later. The tradeoff is reduced liquidity during the surrender period. If you have idle cash or a maturing CD, today's environment is attractive. Call 1-800-MEDIGAP to lock a top 2026 rate before it moves.