Schwab Fixed Indexed Annuity Rates

Rates as of 07/24/2025

Protective® Indexed Annuity II

(Not available in New York)

5-Year Initial Guaranteed Period

S&P 500® Index

  • Interest Crediting Strategy 
  • Breakpoint1
  • Rates
  • Interest Crediting Strategy 
    Annual Rate Cap for Term Strategy1
  • Breakpoint1
    <$100,000
  • Rates
    N/A
  • Interest Crediting Strategy 
    Annual Rate Cap for Term Strategy1
  • Breakpoint1
    ≥$100,000
  • Rates
    7.00%

7-Year Initial Guaranteed Period

S&P 500® Index

  • Interest Crediting Strategy 
  • Breakpoint1
  • Rates
  • Interest Crediting Strategy 
    Annual Rate Cap for Term Strategy1
  • Breakpoint1
    <$100,000
  • Rates
    N/A
  • Interest Crediting Strategy 
    Annual Rate Cap for Term Strategy1 
  • Breakpoint1
    ≥$100,000
  • Rates
    7.10%
  • All rates are guaranteed for the full term.
  • Available rates shown here are subject to change at any time.

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