Expert analysis on annuity rates, market trends, and retirement planning strategies
Fixed annuity rates hit 5.5% in early 2026—the highest since 2008. But with CDs offering similar rates and inflation concerns, are fixed annuities still the safe-haven investment they once were? We compare current rates, analyze post-inflation returns, and help you decide if fixed annuities fit your portfolio.
Read Full Art icle →FIA cap rates of 9-12% are drawing massive attention in 2026. We explain the economic forces (bond yields, option costs, carrier competition) driving these historic rates, how long they're likely to last, and whether now is the right time to lock in.
Read Full Article →When 10-year Treasury yields are at 4.5% and fixed annuities offer 5.0-5.5%, what accounts for the spread? We break down how insurance companies use bond portfolios to fund guaranteed rates, why annuities can beat Treasuries, and when bonds make more sense.
Read Full Article →You've received quotes from 3-5 carriers—now what? Not all annuity rates are created equal. We walk through the hidden variables: surrender schedules, guaranteed vs. current rates, renewal caps, and fee structures that dramatically affect your net returns.
Read Full Article →Variable annuities carry higher fees than any other annuity type—but how much, exactly? We break down M&E charges (1-1.5%), fund expenses, rider costs, and show you three real-world total cost scenarios. Learn when high fees are justified and when they're a red flag.
Read Full Article →MYGAs offer 5.0-5.5% guaranteed rates, beating most CDs in 2026. But tax treatment, FDIC vs. state guaranty protection, and liquidity differ dramatically. We compare both products across 10 scenarios to show you when MYGAs win, when CDs are better, and when to use both.
Read Full Article →Just like bond or CD ladders, annuity laddering staggers contracts across time to manage rate risk, liquidity, and surrender periods. We show you three complete ladder examples ($500K, $750K, $600K portfolios), explain when laddering beats a single large contract, and provide a 7-step implementation plan.
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