Registered index-linked annuities offered through Schwab.

Intro - Current Rates

Current Rates

There is a $100,000 minimum for all annuity contracts offered through Schwab. For more information, contact an annuity specialist at 866-663-5241.

When selecting a registered index-linked annuity (RILA), there is key product terminology to know.  

  • Term (e.g., every 1, 3, or 6 years)—How often index performance is measured. The resulting index return, excluding dividends and subject to the cap rate and buffer, is credited to your account at the end of the term. 
  • Cap Rate—The maximum return you can earn when index performance is positive at the end of the term.
  • Buffer (also called "Shield Rate")—The maximum amount of loss the issuing insurance company will absorb if index performance is negative at the end of the term. 
  • Surrender Charge Period (also called "CDSC Period" or "Withdrawal Charge Period")—The length of time you need to keep your money in the product without incurring a withdrawal fee. 

Please see below for product prospectuses and other important information about the Prudential and Brighthouse annuities.

Rates as of 09/15/2021

The following products have a 6-year surrender charge period:

Prudential FlexGuard® indexed variable annuity

Buffer and Cap Rates

(Not available in New York and Oregon)

Prudential Logo Prudential Logo Prudential Logo

Prudential FlexGuard indexed variable annuity

1-Year Term
3-Year Term
6-Year Term

Brighthouse Shield® Level Select 6-Year Annuity

Buffer and Cap Rates

(Not available in Alaska and Oregon)

Brighthouse logo Brighthouse logo Brighthouse logo

Brighthouse Shield Level Select 6-Year Annuity

1-Year Term
3-Year Term
6-Year Term
1-Year Term (Step Rate)
1-Year Term (Fixed Account)

The following products have a 3-year surrender charge period:

Brighthouse Shield® Level Select 3-Year Annuity

Buffer and Cap Rates

(Not available in Alaska and Oregon)

Brighthouse logo Brighthouse logo Brighthouse logo

Brighthouse Shield Level Select 3-Year Annuity

1-Year Term
3-Year Term
1-Year Term (Step Rate)
1-Year Term (Fixed Account)

Get started today.

  • Get started today.

    Call an annuity specialist at 888-311-4889 (option 2) to learn more.