Guaranty coverage limit

$250,000

Per owner, per insurer — the Illinois guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →

Available in Illinois

Top rates filed in your state.

599 products · updated August 7, 2026

#	Carrier	Product	Term	APYRate (APY)	Min
1	Upstream LifeSecure Legacy · 5-yr	Secure Legacy · 5-yr fixed annuity rate	5-yr	6.38%	$10,000	View rate
2	Sentinel SecurityPersonal Choice · 10-yr	Personal Choice · 10-yr fixed annuity rate	10-yr	6.25%	$2,500	View rate
3	Sentinel SecurityPersonal Choice · 7-yr	Personal Choice · 7-yr fixed annuity rate	7-yr	6.25%	$2,500	View rate
4	Sentinel SecurityPersonal Choice · 5-yr	Personal Choice · 5-yr fixed annuity rate	5-yr	6.25%	$2,500	View rate
5	Wichita NationalSecurity MYGA · 5-yr	Security MYGA · 5-yr fixed annuity rate	5-yr	6.25%	$10,000	View rate
6	Heartland NationalSecure Rate Pro (7-10) · 10-yr	Secure Rate Pro (7-10) · 10-yr fixed annuity rate	10-yr	6.15%	$5,000	View rate
7	Heartland NationalSecure Rate Pro (7-10) · 7-yr	Secure Rate Pro (7-10) · 7-yr fixed annuity rate	7-yr	6.10%	$5,000	View rate
8	Heartland NationalSecure Rate Pro (7-10) with RMD Rider · 10-yr	Secure Rate Pro (7-10) with RMD Rider · 10-yr fixed annuity rate	10-yr	6.10%	$5,000	View rate
9	Heartland NationalSecure Rate Pro (3-5) · 5-yr	Secure Rate Pro (3-5) · 5-yr fixed annuity rate	5-yr	6.10%	$5,000	View rate
10	Wichita NationalSecurity MYGA · 7-yr	Security MYGA · 7-yr fixed annuity rate	7-yr	6.10%	$10,000	View rate
11	Wichita NationalSecurity MYGA with 10% Free Withdrawal Rider · 5-yr	Security MYGA with 10% Free Withdrawal Rider · 5-yr fixed annuity rate	5-yr	6.10%	$10,000	View rate
12	Wichita NationalSecurity MYGA with Enhanced Death Benefit Rider · 5-yr	Security MYGA with Enhanced Death Benefit Rider · 5-yr fixed annuity rate	5-yr	6.10%	$10,000	View rate
13	Upstream LifeSecure Legacy · 4-yr	Secure Legacy · 4-yr fixed annuity rate	4-yr	6.08%	$10,000	View rate
14	AspidaAdvisory MYGA · 7-yr	Advisory MYGA · 7-yr fixed annuity rate	7-yr	6.05%	$100,000	View rate
15	Farmers LifeSafeguard Plus · 10-yr	Safeguard Plus · 10-yr fixed annuity rate	10-yr	6.05%	$10,000	View rate
16	Heartland NationalSecure Rate Pro (7-10) with RMD Rider · 7-yr	Secure Rate Pro (7-10) with RMD Rider · 7-yr fixed annuity rate	7-yr	6.05%	$5,000	View rate
17	Heartland NationalSecure Rate Pro (3-5) with RMD Rider · 5-yr	Secure Rate Pro (3-5) with RMD Rider · 5-yr fixed annuity rate	5-yr	6.05%	$5,000	View rate
18	Heartland NationalSecure Rate Pro (7-10) with Interest Withdrawal Rider · 10-yr	Secure Rate Pro (7-10) with Interest Withdrawal Rider · 10-yr fixed annuity rate	10-yr	6.05%	$5,000	View rate
19	Upstream LifeSecure Legacy · 6-yr	Secure Legacy · 6-yr fixed annuity rate	6-yr	6.05%	$10,000	View rate
20	American CenturyFreedom Max Growth · 10-yr	Freedom Max Growth · 10-yr fixed annuity rate	10-yr	6.05%	$5,000	View rate
21	Wichita NationalSecurity MYGA · 10-yr	Security MYGA · 10-yr fixed annuity rate	10-yr	6.05%	$10,000	View rate
22	Farmers LifeSafeguard Plus · 5-yr	Safeguard Plus · 5-yr fixed annuity rate	5-yr	6.00%	$10,000	View rate
23	American GulfAnchor MYGA · 5-yr	Anchor MYGA · 5-yr fixed annuity rate	5-yr	6.00%	$10,000	View rate
24	American GulfAnchor MYGA · 6-yr	Anchor MYGA · 6-yr fixed annuity rate	6-yr	6.00%	$10,000	View rate
25	Sentinel SecurityPersonal Choice · 3-yr	Personal Choice · 3-yr fixed annuity rate	3-yr	6.00%	$2,500	View rate
26	Heartland NationalSecure Rate Pro (3-5) with Interest Withdrawal Rider · 5-yr	Secure Rate Pro (3-5) with Interest Withdrawal Rider · 5-yr fixed annuity rate	5-yr	6.00%	$5,000	View rate
27	Heartland NationalSecure Rate Pro (7-10) with Interest Withdrawal Rider · 7-yr	Secure Rate Pro (7-10) with Interest Withdrawal Rider · 7-yr fixed annuity rate	7-yr	6.00%	$5,000	View rate
28	American CenturyFreedom Max Growth · 7-yr	Freedom Max Growth · 7-yr fixed annuity rate	7-yr	6.00%	$5,000	View rate
29	American CenturyFreedom Max Growth · 5-yr	Freedom Max Growth · 5-yr fixed annuity rate	5-yr	6.00%	$5,000	View rate
30	Revol OneDirectGrowth MYGA · 7-yr	DirectGrowth MYGA · 7-yr fixed annuity rate	7-yr	6.00%	$25,000	View rate
31	Revol OneDirectGrowth MYGA · 10-yr	DirectGrowth MYGA · 10-yr fixed annuity rate	10-yr	6.00%	$25,000	View rate
32	Revol OneDirectGrowth MYGA · 5-yr	DirectGrowth MYGA · 5-yr fixed annuity rate	5-yr	6.00%	$25,000	View rate
33	Farmers LifeSafeguard Plus · 7-yr	Safeguard Plus · 7-yr fixed annuity rate	7-yr	5.95%	$10,000	View rate
34	American CenturyFreedom Max Growth with Required Minimum · 10-yr	Freedom Max Growth with Required Minimum · 10-yr fixed annuity rate	10-yr	5.95%	$5,000	View rate
35	American CenturyFreedom Max Growth with Interest-Only Withdrawal · 10-yr	Freedom Max Growth with Interest-Only Withdrawal · 10-yr fixed annuity rate	10-yr	5.95%	$5,000	View rate
36	Wichita NationalSecurity MYGA with 10% Free Withdrawal Rider · 7-yr	Security MYGA with 10% Free Withdrawal Rider · 7-yr fixed annuity rate	7-yr	5.95%	$10,000	View rate
37	Wichita NationalSecurity MYGA with Enhanced Death Benefit Rider · 7-yr	Security MYGA with Enhanced Death Benefit Rider · 7-yr fixed annuity rate	7-yr	5.95%	$10,000	View rate
38	Wichita NationalSecurity MYGA with Enhanced Death Benefit and 10% Free Withdrawal Riders · 5-yr	Security MYGA with Enhanced Death Benefit and 10% Free Withdrawal Riders · 5-yr fixed annuity rate	5-yr	5.95%	$10,000	View rate
39	Atlantic CoastSafe Harbor · 10-yr	Safe Harbor · 10-yr fixed annuity rate	10-yr	5.91%	$5,000	View rate
40	Atlantic CoastSafe Harbor · 5-yr	Safe Harbor · 5-yr fixed annuity rate	5-yr	5.91%	$5,000	View rate

See the national best-rate leaderboard →

Featured

Your income for life.

How it works

Featured

Your best guaranteed rate.

Rates & tools

Featured

Every guide, in plain English.

Start here

Featured

How a decision works with us.

GetSure

Illinois fixed annuity rates & guaranty limit.

Top rates filed in your state.

Fixed annuity rates by insurer.

Fixed annuity rates by state.

Lock a Illinois rate