In A Falling Annuity Rate Environment, Now Is The Time To Act

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After the Fed Cut, securing today’s annuity rates is essential. The Fed’s recent 25 bps cut is a clear signal that the high-rate window is tightening.

We don’t know when we’ll see rates at these levels again, which makes acting now especially important.

Lock In Today’s MYGA Rates

We are still seeing MYGA rates above 5.8%, but these will adjust as carriers reprice. MYGAs allow clients to:

  • Lock in current multi-year guaranteed rates
  • Protect against future reductions
  • Maintain steady, predictable returns

Securing these rates now preserves today’s stronger guarantees.

FIAs for Protection With Upside Potential

Several carriers currently offer S&P cap rates over 10%, creating strong crediting opportunities while maintaining full protection from market losses. FIAs provide:

  • Downside protection
  • Index-based growth potential
  • Long-term accumulation and income options
Why Act Now

With rates moving lower, clients need solutions that offer certainty and protection. MYGAs lock in today’s rates; FIAs safeguard principal while offering controlled upside potential.

Contact an annuity consultant today to secure security and growth for your clients.