New York Life fixed annuity rates

New York Life, headquartered in New York, issues 4 fixed annuities in 3 to 7-year terms.

4.95% Top APY

A++ AM Best

Available products

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Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	3-yr	4-yr	5-yr	6-yr	7-yr	Min
Secure Term MVA Fixed Annuity II	4.80%	4.80%	4.85%	4.90%	4.95%	$5k	↓
Surrender schedule 3-yr 7% / 7% / 7% 4-yr 7% / 7% / 7% / 6% 5-yr 7% / 7% / 7% / 6% / 5% 6-yr 7% / 7% / 7% / 6% / 5% / 4% 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Unemployment Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Secure Term Choice Fixed Annuity II	4.75%	4.75%	4.80%	4.85%	4.90%	$5k	↓
Surrender schedule 3-yr 7% / 7% / 7% 4-yr 7% / 7% / 7% / 6% 5-yr 7% / 7% / 7% / 6% / 5% 6-yr 7% / 7% / 7% / 6% / 5% / 4% 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Unemployment Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Return of Premium · Return of Premium
Secure Term Fixed Annuity V	4.75%	4.75%	4.80%	4.85%	4.90%	$5k	↓
Surrender schedule 3-yr 7% / 7% / 7% 4-yr 7% / 7% / 7% / 6% 5-yr 7% / 7% / 7% / 6% / 5% 6-yr 7% / 7% / 7% / 6% / 5% / 4% 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Terminal Illness Waiver · Disability Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge)
Clear Income Advantage	—	—	—	—	1.00%	$50k
Surrender schedule 7-yr 7% / 7% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Unemployment Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About New York Life

AM Best rating: A++ What this means
Comdex score: 100 / 100 Composite of AM Best, S&P, Moody's, Fitch.
Website: nylannuities.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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New York Life fixed annuity rates

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