Massachusetts · updated July 24, 2026

Massachusetts fixed annuity rates & guaranty limit.

In Massachusetts, the state guaranty association covers annuity contract value up to $250,000 per owner per insurer. Below are the highest guaranteed rates filed for sale to Massachusetts residents — up to 6.05% APY.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the Massachusetts 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 Massachusetts

Top rates filed in your state.

510 products · updated July 24, 2026

# Carrier APY
1 AspidaAdvisory MYGA · 7-yr 6.05%
2 Farmers LifeSafeguard Plus · 10-yr 6.05%
3 American CenturyFreedom Max Growth · 10-yr 6.05%
4 Farmers LifeSafeguard Plus · 5-yr 6.00%
5 American CenturyFreedom Max Growth · 7-yr 6.00%
6 American CenturyFreedom Max Growth · 5-yr 6.00%
7 Revol OneDirectGrowth MYGA · 7-yr 6.00%
8 Revol OneDirectGrowth MYGA · 10-yr 6.00%
9 Revol OneDirectGrowth MYGA · 5-yr 6.00%
10 Farmers LifeSafeguard Plus · 7-yr 5.95%
11 American CenturyFreedom Max Growth with Required Minimum · 10-yr 5.95%
12 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 10-yr 5.95%
13 Atlantic CoastSafe Harbor · 10-yr 5.91%
14 Atlantic CoastSafe Harbor · 5-yr 5.91%
15 Atlantic CoastSafe Harbor · 6-yr 5.90%
16 Atlantic CoastSafe Harbor · 20-yr 5.90%
17 Atlantic CoastSafe Haven · 5-yr 5.90%
18 Atlantic CoastSafe Haven · 10-yr 5.90%
19 Atlantic CoastSafe Haven · 20-yr 5.90%
20 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 7-yr 5.90%
21 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 5-yr 5.90%
22 American CenturyFreedom Max Growth with Required Minimum · 5-yr 5.90%
23 American CenturyFreedom Max Growth with Required Minimum · 7-yr 5.90%
24 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 10-yr 5.90%
25 Revol OneDirectGrowth MYGA with Free Partial Surrender · 5-yr 5.90%
26 Revol OneDirectGrowth MYGA with Free Partial Surrender · 10-yr 5.90%
27 Revol OneDirectGrowth MYGA with Free Partial Surrender · 7-yr 5.90%
28 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 5-yr 5.90%
29 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 10-yr 5.90%
30 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 7-yr 5.90%
31 Atlantic CoastSafe Haven · 7-yr 5.89%
32 Atlantic CoastSafe Harbor · 7-yr 5.89%
33 Atlantic CoastSafe Haven · 6-yr 5.87%
34 AspidaAdvisory MYGA · 5-yr 5.85%
35 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 7-yr 5.85%
36 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 5-yr 5.85%
37 American CenturySPDA with Free Withdrawal Waiver · 10-yr 5.85%
38 AxonicWaypoint MYGA · 5-yr 5.80%
39 Baltimore LifeIQumulate · 7-yr 5.80%
40 OceanviewHarbourview MYGA · 10-yr 5.80%

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Fixed annuity rates by insurer.

76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.

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Fixed annuity rates by state.

Each state's guaranty coverage limit and the top annuity rates filed for sale there.

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