Today's fixed annuity rates are near 15-year highs. Call 1-800-MEDIGAP to lock one in.
What are fixed annuity rates today?
As of mid-2026, fixed annuity rates run roughly 5.5 to 6.5 percent APY, depending on term and carrier, according to industry rate trackers. Top 5-year contracts reach about 6.30 percent, while the strongest A-rated insurers offer around 5.70 percent. These rates are guaranteed for the full contract term and protect your principal from market loss. Because annuity rates update daily and vary by state, the figure you qualify for depends on when and where you buy. The strongest way to capture today's rate is to compare several carriers at once. Call 1-800-MEDIGAP and a licensed specialist will pull live rates for you.
Should you lock in a fixed annuity rate now?
Locking in may be smart timing. Fixed annuity rates currently sit near 15-year highs, but they are widely expected to drift lower through 2026 as the Federal Reserve eases monetary policy. Buying now locks a guaranteed rate for your full term, insulating you from future cuts. The tradeoff is reduced liquidity during the surrender period. If you have idle cash or a maturing CD and want predictable, tax-deferred growth, today's environment is favorable. Still, the right term and carrier depend on your timeline and need for access. Call 1-800-MEDIGAP to compare current offers and lock a rate before it moves.