Top Guaranteed Fixed Annuities Rated A- (or Higher)

TermInsurer / ProductRatingRate
2 years
Axonic / AmFirst
Axonic Waypoint MYGA 2
A- 5.00%
Axonic / AmFirst
Axonic Waypoint MYGA 2
A- 4.70%
Aspida
Aspida Synergy Choice 2
A- 4.10%
Aspida
Aspida Synergy Choice 2
A- 4.00%
Aspida
Aspida Synergy Choice 2
A- 3.95%
3 years
Axonic / AmFirst
Axonic Waypoint MYGA 3
A- 5.55%
Knighthead / Merit Life
Staysail 3
A- 5.31%
Knighthead / Merit Life
Staysail 3 (California)
A- 5.22%
Gainbridge
SteadyPace 3
A- 5.20%
Axonic / AmFirst
Axonic Waypoint MYGA 3
A- 5.15%
4 years
Gainbridge
SteadyPace 4
A- 5.20%
Clear Spring
Preserve MYGA 4
A- 5.15%
Gainbridge
SteadyPace 4
A- 5.00%
Clear Spring
Preserve MYGA 4
A- 4.85%
Sagicor
Milestone Max MYGA 4
A- 4.80%
5 years
Axonic / AmFirst
Axonic Waypoint MYGA 5
A- 5.80%
Knighthead / Merit Life
Staysail 5
A- 5.63%
Knighthead / Merit Life
Staysail 5 (California)
A- 5.55%
Knighthead / Merit Life
Staysail 5
A- 5.43%
Knighthead / Merit Life
Staysail 5 (California)
A- 5.35%
6 years
Clear Spring
Preserve MYGA 6
A- 5.35%
Gainbridge
SteadyPace 6
A- 5.30%
Sagicor
Milestone Max MYGA 6
A- 5.25%
Gainbridge
SteadyPace 6
A- 5.10%
Sagicor
Milestone Max MYGA 6
A- 5.05%
7 years
Knighthead / Merit Life
Staysail 7
A- 5.50%
Axonic / AmFirst
Axonic Waypoint MYGA 7
A- 5.50%
Knighthead / Merit Life
Staysail 7 (California)
A- 5.43%
Clear Spring
Preserve MYGA 7
A- 5.35%
Knighthead / Merit Life
Staysail 7
A- 5.32%
8 years
Clear Spring
Preserve MYGA 8
A- 5.35%
Gainbridge
SteadyPace 8
A- 5.30%
Gainbridge
SteadyPace 8
A- 5.10%
Clear Spring
Preserve MYGA 8
A- 5.05%
GILICO
Guaranty Rate Lock 8
A- 4.10%
9 years
Clear Spring
Preserve MYGA 9
A- 5.35%
Gainbridge
SteadyPace 9
A- 5.30%
Gainbridge
SteadyPace 9
A- 5.10%
Clear Spring
Preserve MYGA 9
A- 5.05%
GILICO
Guaranty Rate Lock 9
A- 4.10%
10 years
Axonic / AmFirst
Axonic Waypoint MYGA 10
A- 5.50%
Clear Spring
Preserve MYGA 10
A- 5.35%
Gainbridge
SteadyPace 10
A- 5.30%
Axonic / AmFirst
Axonic Waypoint MYGA 10
A- 5.20%
Gainbridge
SteadyPace 10
A- 5.10%

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What Is the Best Fixed Annuity from a A- or Higher Rated Insurer?

The best fixed annuity from a A- or higher rated insurer pays 5.80% compound interest, as of 12/12/25, offered on the Axonic Waypoint MYGA 5 product issued by Axonic / AmFirst, which is rated A-.

The next best fixed annuity from a A- or higher rated insurer pays 5.63% compound interest, as of 12/12/25, offered on the Staysail 5 product issued by Knighthead / Merit Life, which is rated A-.