Quick reference: top fixed annuity rates by term, plus the best 10% liquidity picks (and A– or better).
| Term | Best Overall Rate | Best with 10% Liquidity | Best with 10% + A– or Better |
|---|---|---|---|
| 2-Year |
CL Life — Sundance 2
5.25% B++ • Interest-only withdrawals
|
Axonic — Waypoint 2 (High Band)
5.00% A– • 10% free
|
Axonic — Waypoint 2 (High Band)
5.00% A– • 10% free
|
| 3-Year |
Wichita National — Security 3
5.85% B+ • 0%/0% free
|
Axonic — Waypoint 3 (High Band)
5.45% A– • 10% free
|
Axonic — Waypoint 3 (High Band)
5.45% A– • 10% free
|
| 4-Year |
Nassau — Simple Annuity 4
5.15% B++ • 5%/5% free
|
Clear Spring — Preserve 4 (High Band)
5.15% A– • 10% free
|
Clear Spring — Preserve 4 (High Band)
5.15% A– • 10% free
|
| 5-Year |
Wichita National — Security 5
6.25% B+ • 0%/0% free
|
Axonic — Waypoint 5 (High Band)
5.70% A– • 10% free
|
Axonic — Waypoint 5 (High Band)
5.70% A– • 10% free
|
| 6-Year |
Atlantic Coast — Safe Haven 6
5.70% B++ • 0%/0% free
|
Clear Spring — Preserve 6 (High Band)
5.35% A– • 10% free
|
Clear Spring — Preserve 6 (High Band)
5.35% A– • 10% free
|
| 7-Year |
Wichita National — Security 7
6.10% B+ • 0%/0% free
|
Axonic — Waypoint 7 (High Band)
5.50% A– • 10% free
|
Axonic — Waypoint 7 (High Band)
5.50% A– • 10% free
|
| 8-Year |
EquiTrust — Certainty Select 8
5.40% B++ • Interest-only withdrawals
|
Clear Spring — Preserve 8 (High Band)
5.35% A– • 10% free
|
Clear Spring — Preserve 8 (High Band)
5.35% A– • 10% free
|
| 10-Year |
Wichita National — Security 10
6.05% B+ • 0%/0% free
|
Axonic — Waypoint 10 (High Band)
5.50% A– • 10% free
|
Axonic — Waypoint 10 (High Band)
5.50% A– • 10% free
|
Notes: "10% free" = penalty-free withdrawal allowance in policy year 2+ unless otherwise indicated. Ratings shown are AM Best. Availability, bands, and rates vary by state and change without notice.
Compliance: Verify state approvals, rate bands, surrender schedules, and commissions with your MGA prior to quoting or writing business. Suitability and product details must be confirmed on current carrier materials.