Turn Your 401(k) or IRA into a Guaranteed Private Pension for Life
Fixed Index Annuities (FIAs) and Multi-Year Guaranteed Annuities (MYGAs) safeguard your retirement nest egg against market volatility while generating predictable monthly lifetime cash flow. Eliminate sequence of returns risk with contractual guarantees backed by top A-rated insurance institutions.
2026 Fixed Index & Income Annuities Benchmark Rate Card
Actuarial rate estimates based on verified A+ carrier underwriting standards.
| Rollover Principal | Day-1 Bonus (10%) | Starting Income Base | Guaranteed Lifetime Monthly | Guaranteed Annual Income | Downside Floor |
|---|---|---|---|---|---|
| $100,000 | +$10,000 | $134,750 | $696/mo | $8,355/yr | 0% Contractual Floor |
| $250,000 | +$25,000 | $336,875 | $1,741/mo | $20,886/yr | 0% Contractual Floor |
| $500,000 | +$50,000 | $673,750 | $3,481/mo | $41,773/yr | 0% Contractual Floor |
| $1,000,000 | +$100,000 | $1,347,500 | $6,962/mo | $83,545/yr | 0% Contractual Floor |
Top Rated Annuities Underwriters
Allianz Life
A.M. Best: A+ (Superior)Market leader in lifetime income rider accumulation bonuses (up to 35% index credited bonus) and solid capital reserves.
Athene USA
A.M. Best: A+ (Superior)Consistently aggressive index participation rates, large day-one premium bonuses, and premier MYGA fixed yields.
Lincoln Financial Group
A.M. Best: A (Excellent)Sophisticated index account design (multiple S&P and volatility-controlled options) and premium long-term care riders.
Pacific Life
A.M. Best: A+ (Superior)Consistently ranked #1 in overall indexed universal life sales volume; exceptional financial strength and customer service.
Check $0 Copay & Extra Allowances in Your Area
In addition to whole life burial protection, seniors in Your Area may qualify for Medicare Advantage cards offering grocery allowances, dental, vision, hearing aids, and transportation with zero monthly copays.
Frequently Asked Questions
What is the difference between a Fixed Index Annuity and a MYGA?
A Multi-Year Guaranteed Annuity (MYGA) acts like a high-yield insurance CD, locking in a fixed guaranteed interest rate (e.g., 5.5% for 3 to 7 years). A Fixed Index Annuity (FIA) credits interest based on stock index performance with a 0% floor and offers optional Guaranteed Lifetime Withdrawal Benefit (GLWB) riders.
Can I lose money in a Fixed Index Annuity?
No. Fixed annuities are legal contracts guaranteeing 100% principal protection against market downturns. The insurance company absorbs all market losses. In down years, your interest credited is 0%, keeping your high-water mark intact.
Are annuity rollovers from a 401(k) taxable?
No, if executed as a direct rollover or trustee-to-trustee transfer, moving pre-tax funds from a 401(k) or traditional IRA into a qualified annuity is 100% tax-free and penalty-free.