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.
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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.