Top Guaranteed Fixed Annuities in California

TermInsurer / ProductRatingRate
2 years
Axonic / AmFirst
Axonic Waypoint MYGA 2
A- 5.00%
Oceanview
Harbourview MYGA 2 (California)
A 4.85%
Axonic / AmFirst
Axonic Waypoint MYGA 2
A- 4.70%
Americo
Platinum Assure Series 2
A 4.60%
Oceanview
Harbourview MYGA 2 (California)
A 4.50%
3 years
Canvas / Puritan Life
Canvas Future Fund 3
B++ 6.00%
Axonic / AmFirst
Axonic Waypoint MYGA 3
A- 5.55%
Ohio State Life
Nex MYGA 3
B+ 5.25%
Knighthead / Merit Life
Staysail 3 (California)
A- 5.22%
Gainbridge
SteadyPace 3
A- 5.20%
4 years
Americo
Platinum Assure Series 4
A 5.20%
Gainbridge
SteadyPace 4
A- 5.20%
Clear Spring
Preserve MYGA 4
A- 5.15%
Gainbridge
SteadyPace 4
A- 5.00%
Oxford Life
Multi-Select 4
A 4.95%
5 years
Canvas / Puritan Life
Canvas Future Fund 5
B++ 6.15%
Axonic / AmFirst
Axonic Waypoint MYGA 5
A- 5.80%
Knighthead / Merit Life
Staysail 5 (California)
A- 5.55%
Nassau
Nassau MYAnnuity 5
B++ 5.40%
Americo
Platinum Assure Series 5
A 5.35%
6 years
Americo
Platinum Assure Series 6
A 5.40%
Oxford Life
Multi-Select 6
A 5.40%
EquiTrust
Certainty Select 6
B++ 5.35%
Clear Spring
Preserve MYGA 6
A- 5.35%
Gainbridge
SteadyPace 6
A- 5.30%
7 years
Canvas / Puritan Life
Canvas Future Fund 7
B++ 6.20%
Axonic / AmFirst
Axonic Waypoint MYGA 7
A- 5.50%
Nassau
Nassau MYAnnuity 7
B++ 5.45%
Knighthead / Merit Life
Staysail 7 (California)
A- 5.43%
Americo
Platinum Assure Series 7
A 5.40%
8 years
EquiTrust
Certainty Select 8
B++ 5.40%
Clear Spring
Preserve MYGA 8
A- 5.35%
Gainbridge
SteadyPace 8
A- 5.30%
Oxford Life
Multi-Select 8
A 5.30%
Gainbridge
SteadyPace 8
A- 5.10%
9 years
Clear Spring
Preserve MYGA 9
A- 5.35%
Gainbridge
SteadyPace 9
A- 5.30%
Oxford Life
Multi-Select 9
A 5.20%
Gainbridge
SteadyPace 9
A- 5.10%
Clear Spring
Preserve MYGA 9
A- 5.05%
10 years
EquiTrust
Certainty Select 10
B++ 5.50%
Axonic / AmFirst
Axonic Waypoint MYGA 10
A- 5.50%
Clear Spring
Preserve MYGA 10
A- 5.35%
Gainbridge
SteadyPace 10
A- 5.30%
Oxford Life
Multi-Select 10
A 5.25%

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What Is the Best Fixed Annuity in California?

The best fixed annuity in California pays 6.20% compound interest, as of 12/10/25, offered on the Canvas Future Fund 7 product issued by Canvas / Puritan Life, which carries a B++ rating.

The next best fixed annuity in California pays 6.15% compound interest, as of 12/10/25, offered on the Canvas Future Fund 5 product issued by Canvas / Puritan Life, which carries a B++ rating.