Guaranteed Fixed Deferred Annuity Rates Offered Through Schwab

Rates as of 12/01/2022

Midland National LiveWell® Guarantee Max¹

(Not available in New York)

(The 7-year guarantee period is not available in CA and FL.) 

  • Guarantee Period (Years) 
  • $25,000-$99,999 
  • $100,000-$249,999 
  • $250,000+ 
  • Guarantee Period (Years) 
    3
  • $25,000-$99,999 
    N/A
  • $100,000-$249,999 
    4.45%
  • $250,000+ 
    4.50%
  • Guarantee Period (Years) 
    5
  • $25,000-$99,999 
    N/A
  • $100,000-$249,999 
    4.65%
  • $250,000+ 
    4.70%
  • Guarantee Period (Years) 
    7
  • $25,000-$99,999 
    N/A
  • $100,000-$249,999 
    4.85%
  • $250,000+ 
    4.90%

New York Life Secure Term Choice Fixed Annuity II²

  • Guarantee Period (Years) 
  • $5,000-$24,999 
  • $25,000-$49,999 
  • $50,000-$99,999 
  • $100,000-$1,499,999 
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.40%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.50%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.60%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.60%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.60%

New York Life Secure Term Choice Fixed Annuity II² Interest Opportunity Rider³ Option 1³

  • Guarantee Period (Years) 
  • $5,000-$24,999
  • $25,000-$49,999 
  • $50,000-$99,999 
  • $100,000-$1,499,999 
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.25%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.35%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.45%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.45%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.45%

New York Life Secure Term Choice Fixed Annuity II² Interest Opportunity Rider³ Option 2³

  • Guarantee Period (Years) 
  • $5,000-$24,999 
  • $25,000-$49,999 
  • $50,000-$99,999 
  • $100,000-$1,499,999 
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.15%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.25%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.35%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.35%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000-$1,499,999 
    4.35%

MassMutual Stable Voyage℠⁴

  • Guarantee Period (Years) 
  • $10,000-$99,999 
  • $100,000+ 
  • Guarantee Period (Years) 
    3
  • $10,000-$99,999 
    N/A
  • $100,000+ 
    4.40%
  • Guarantee Period (Years) 
    4
  • $10,000-$99,999 
    N/A
  • $100,000+ 
    4.40%
  • Guarantee Period (Years) 
    5
  • $10,000-$99,999 
    N/A
  • $100,000+ 
    4.40%

USAA Protected Deferred Annuity⁵

(Not available in New York)

  • Guarantee Period (Years) 
  • $50,000-$99,999 
  • $100,000+ 
  • Guarantee Period (Years) 
    3
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.15%
  • Guarantee Period (Years) 
    4
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years) 
    5
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years) 
    10
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.50%

Western & Southern SmartSelect Single Premium Deferred Annuity


(Not available in New York) 

  • Guarantee Period (Years)6 
  • $20,000-$99,999 
  • $100,000+ 
  • Guarantee Period (Years)6 
    3
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years)6 
    4
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years)6 
    5
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years)6 
    6
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    4.00%
  • Guarantee Period (Years)6 
    7
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    3.85%

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