What A 10-Year Annuity Really Means
A 10-year annuity is an insurance contract with a ten-year surrender period. During those ten years, your money is either growing, paying income, or setting up future income—depending on the annuity type.
Most “fixed” annuity shopping comes down to three options:
- MYGA for a guaranteed rate over the full term
- Fixed indexed annuity (FIA) for index-linked growth potential with no market-loss risk
- Period certain annuity for a guaranteed income stream that lasts exactly ten years, then stops
Why do people choose ten years?
- Often, the strongest value tier for longer surrender schedules
- Gives index strategies more time to produce meaningful credited interest
- Aligns with retirement income planning, RMD timing, and longer “bridge” strategies
Compare The Highest 10-Year MYGA Annuity Rates
Explore 10-year MYGA rates with The Annuity Expert, where interest grows tax-deferred, and the rate is contractually guaranteed for the full term. Most MYGAs are built for people who want a predictable return and the option to take a lump sum at the end of the term (your premium plus earned interest).
While 10-year MYGAs offer excellent stability and some of the highest interest rates available, locking your money away for a full decade is a serious commitment. If you realize 10 years is too long, we recommend comparing them against the best fixed annuity rates to explore all other terms.
| Insurance Company | Product Name | Guaranteed APY | A.M Best Rating | Annual Liquidity |
|---|---|---|---|---|
| Oxford Life | Multi Select MYGA | 6.35% | A | 10% |
| Wichita National | Security MYGA | 6.3% | B++ | 0% |
10-Year Period Certain Annuity Rates
How it works: A 10-year period certain annuity pays income for exactly ten years. It does not provide a lifetime income. Payments are contractually guaranteed for the fixed period, after which they stop. If the annuitant dies before the term ends, the beneficiaries receive the remaining scheduled payouts.
10-year payout rate: 11.91% (annual payout rate for the ten-year term)
Example: A $100,000 period certain annuity would pay roughly $11,910 per year for ten years, then stop.
| Premium Deposit | Annual Payout | Monthly Payout | Total 10-Year Payout |
| $100,000 | $11,910 | $992.50 | $119,100 |
| $250,000 | $29,775 | $2,481.25 | $297,750 |
| $500,000 | $59,550 | $4,962.50 | $595,500 |
| $1,000,000 | $119,100 | $9,925.00 | $1,191,000 |
Request a custom quote below. Rates change weekly.
While a 10-year period certain annuity offers a very high guaranteed payout, a flat income stream will lose purchasing power over a decade due to inflation. If you need your income to grow over time, or if you need it to last for your entire life rather than just ten years, we highly recommend comparing this strategy against a Fixed Index Annuity with a Guaranteed Lifetime Withdrawal Benefit (GLWB).
10-Year Fixed Indexed Annuity (FIA) Rates
How it works: A 10-year FIA credits interest based on the performance of a market index (like the S&P 500), with protection when the index is down. You can earn interest when the index rises (subject to caps, participation rates, or spreads), and you don’t take market-loss hits in negative years.
| Insurer And Contract | Hypothetical Annual Rate Of Return |
|---|---|
| Athene BCA 10 2.0 | 25.00% |
| Athene Velocity | 23.89% |
Why Use A Broker To Compare 10-Year Rates?
Comparing rates ensures you secure the highest payouts and best interest rates available, ultimately maximizing your investment’s growth. Different annuity providers offer varied rates, so finding the right plan with affordable coverage that’s worth it is essential.
As an annuity broker, The Annuity Expert shops over 100+ insurers to find the best 10-year annuity rates for your specific needs. We don’t work for the insurance companies—we work for you.
Here’s what we provide at no cost:
- Side-by-side rate shopping across carriers
- Help choosing based on goals (lump sum vs. income vs. growth potential)
- A plain-language walkthrough of surrender charges, liquidity, and fine print
- Guidance on IRA/401(k) rollovers vs. non-qualified funding
Who Should Use a 10-Year Annuity?
Good fit for:
- People who want predictable growth without market-loss risk
- Long-term planners who don’t need the money soon and want to lock in a strategy
- Pre-retirees building an income bridge and stabilizing retirement assets
- Anyone who wants more time for index-crediting strategies to work while still protecting the principal
Not a good fit for:
- Anyone who needs full access to the money within the next ten years
- Investors who want uncapped market upside
- People who need maximum liquidity or may face large planned expenses
What Types of Funds Can You Use?
You can fund a 10-Year annuity with:
- IRA rollovers (Traditional, SEP, SIMPLE)
- 401(k), 403(b), and 457(b) rollovers
- Nonqualified savings (after-tax funds)
- Trust or joint ownership of assets
- Inherited IRAs (with restrictions on timing and withdrawals)
Step-by-Step Application Process
- Research and comparison: Review 10-year rate options and contract features
- Select your plan: Choose the MYGA, FIA, or period certain structure that matches your goal
- Submit application: Apply online or by phone with help from our team
- Transfer/rollover funds: Move money from a bank or roll over retirement assets (when applicable)
- Review and finalize: Confirm your term, rate/crediting, and beneficiary details
Book a Call Today
Book a call with our team to find the best 10-year rates for your plan. Shop, compare, and lock in a strategy that matches your timeline and liquidity needs.
If you want help right away, call 770-755-1565 to request quotes and side-by-side comparisons.
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