A fixed annuity is one of the simplest ways to grow your retirement savings safely. You lock in a guaranteed interest rate for a set term — your principal is protected, your growth is predictable, and your money is never exposed to market risk.
At Term Insurance Brokers, we work with multiple top-rated carriers to find you the highest fixed annuity rates available. Call us at 1-888-972-0024 or explore the resources below.
How Fixed Annuities Work
You earn a fixed rate on your premium for the full contract term — typically 2 to 10 years — regardless of what markets do.
Your initial deposit is fully protected. You cannot lose money due to market downturns, making fixed annuities ideal for conservative savers.
Interest compounds tax-deferred until you begin withdrawals, letting your savings grow faster than a comparable taxable account.
Fixed annuities have a surrender period during which early withdrawals may incur charges. Most contracts allow a 10% free withdrawal annually.
Who Should Consider a Fixed Annuity?
Fixed annuities are a strong fit if you are within 5–15 years of retirement, want to preserve capital, or are rolling over funds from a CD, IRA, or 401(k) and want a safe, predictable return. They are also popular as a “safe bucket” strategy alongside other investments.
Explore Fixed Annuity Resources
Current top rates from highly rated carriers, updated regularly.
Not sure which type fits your situation? Compare the two side by side.
Understand all the costs before you commit to a contract.
Learn how state guaranty associations protect your annuity funds.
We’ll compare rates from multiple top-rated carriers — no obligation, no pressure.