Guaranteed Fixed Deferred Annuity Rates Offered Through Schwab

Rates as of 07/25/2025

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 
    4.50%
  • $250,000+ 
    4.60%
  • Guarantee Period (Years) 
    5
  • $25,000-$99,999 
    N/A
  • $100,000-$249,999 
    4.85%
  • $250,000+ 
    4.95%
  • Guarantee Period (Years) 
    7
  • $25,000-$99,999 
    N/A
  • $100,000-$249,999 
    4.90%
  • $250,000+ 
    5.00%

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+
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.45%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.55%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.55%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.55%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.55%

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+
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.30%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.40%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.40%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.40%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+
    4.40%

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+ 
  • Guarantee Period (Years) 
    3
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.20%
  • Guarantee Period (Years) 
    4
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years) 
    5
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years) 
    6
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%
  • Guarantee Period (Years) 
    7
  • $5,000-$24,999 
    N/A
  • $25,000-$49,999 
    N/A
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.30%

MassMutual Premier Voyage℠

(Not available in New York.)

  • Guaranteed Period (Years)5
  • $10,000 -$24,999.99
  • $25,000 - $49,999.99
  • $50,000 - $99,999.99
  • $100,000 - $999,999.99
  • $1,000,000 – $9,999,999.99
  • Guaranteed Period (Years)5
    2
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    3.55%
  • $1,000,000 – $9,999,999.99
    3.60%
  • Guaranteed Period (Years)5
    3
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    4.45%
  • $1,000,000 – $9,999,999.99
    4.50%
  • Guaranteed Period (Years)5
    4
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    4.45%
  • $1,000,000 – $9,999,999.99
    4.50%
  • Guaranteed Period (Years)5
    5
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    4.55%
  • $1,000,000 – $9,999,999.99
    4.60%
  • Guaranteed Period (Years)5
    6
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    4.40%
  • $1,000,000 – $9,999,999.99
    4.45%
  • Guaranteed Period (Years)5
    7
  • $10,000 -$24,999.99
    N/A
  • $25,000 - $49,999.99
    N/A
  • $50,000 - $99,999.99
    N/A
  • $100,000 - $999,999.99
    4.70%
  • $1,000,000 – $9,999,999.99
    4.75%

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+ 
    4.45%
  • Guarantee Period (Years) 
    4
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.35%
  • Guarantee Period (Years) 
    5
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    4.70%
  • Guarantee Period (Years) 
    10
  • $50,000-$99,999 
    N/A
  • $100,000+ 
    5.00%

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+ 
    3.95%
  • Guarantee Period (Years)6 
    7
  • $20,000-$99,999 
    N/A
  • $100,000+ 
    3.25%

Call today

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    Call an Annuity Specialist at 888-311-4889 (option 2) to learn more.