Guaranty coverage limit

$250,000

Per owner, per insurer — the South Dakota 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 South Dakota

Top rates filed in your state.

533 products · updated August 9, 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 · 5-yr	Personal Choice · 5-yr fixed annuity rate	5-yr	6.25%	$2,500	View rate
3	Sentinel SecurityPersonal Choice · 10-yr	Personal Choice · 10-yr fixed annuity rate	10-yr	6.25%	$2,500	View rate
4	Sentinel SecurityPersonal Choice · 7-yr	Personal Choice · 7-yr fixed annuity rate	7-yr	6.25%	$2,500	View rate
5	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
6	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
7	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
8	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
9	Upstream LifeSecure Legacy · 4-yr	Secure Legacy · 4-yr fixed annuity rate	4-yr	6.08%	$10,000	View rate
10	AspidaAdvisory MYGA · 7-yr	Advisory MYGA · 7-yr fixed annuity rate	7-yr	6.05%	$100,000	View rate
11	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
12	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
13	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
14	Upstream LifeSecure Legacy · 6-yr	Secure Legacy · 6-yr fixed annuity rate	6-yr	6.05%	$10,000	View rate
15	American GulfAnchor MYGA · 5-yr	Anchor MYGA · 5-yr fixed annuity rate	5-yr	6.00%	$10,000	View rate
16	American GulfAnchor MYGA · 6-yr	Anchor MYGA · 6-yr fixed annuity rate	6-yr	6.00%	$10,000	View rate
17	Sentinel SecurityPersonal Choice · 3-yr	Personal Choice · 3-yr fixed annuity rate	3-yr	6.00%	$2,500	View rate
18	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
19	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
20	Revol OneDirectGrowth MYGA · 7-yr	DirectGrowth MYGA · 7-yr fixed annuity rate	7-yr	6.00%	$25,000	View rate
21	Revol OneDirectGrowth MYGA · 10-yr	DirectGrowth MYGA · 10-yr fixed annuity rate	10-yr	6.00%	$25,000	View rate
22	Revol OneDirectGrowth MYGA · 5-yr	DirectGrowth MYGA · 5-yr fixed annuity rate	5-yr	6.00%	$25,000	View rate
23	Atlantic CoastSafe Harbor · 10-yr	Safe Harbor · 10-yr fixed annuity rate	10-yr	5.91%	$5,000	View rate
24	Atlantic CoastSafe Harbor · 5-yr	Safe Harbor · 5-yr fixed annuity rate	5-yr	5.91%	$5,000	View rate
25	Atlantic CoastSafe Harbor · 6-yr	Safe Harbor · 6-yr fixed annuity rate	6-yr	5.90%	$5,000	View rate
26	Atlantic CoastSafe Harbor · 20-yr	Safe Harbor · 20-yr fixed annuity rate	20-yr	5.90%	$5,000	View rate
27	Atlantic CoastSafe Haven · 5-yr	Safe Haven · 5-yr fixed annuity rate	5-yr	5.90%	$5,000	View rate
28	Atlantic CoastSafe Haven · 10-yr	Safe Haven · 10-yr fixed annuity rate	10-yr	5.90%	$5,000	View rate
29	Atlantic CoastSafe Haven · 20-yr	Safe Haven · 20-yr fixed annuity rate	20-yr	5.90%	$5,000	View rate
30	Revol OneDirectGrowth MYGA with Free Partial Surrender · 5-yr	DirectGrowth MYGA with Free Partial Surrender · 5-yr fixed annuity rate	5-yr	5.90%	$25,000	View rate
31	Revol OneDirectGrowth MYGA with Free Partial Surrender · 10-yr	DirectGrowth MYGA with Free Partial Surrender · 10-yr fixed annuity rate	10-yr	5.90%	$25,000	View rate
32	Revol OneDirectGrowth MYGA with Free Partial Surrender · 7-yr	DirectGrowth MYGA with Free Partial Surrender · 7-yr fixed annuity rate	7-yr	5.90%	$25,000	View rate
33	Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 5-yr	DirectGrowth MYGA with Enhanced Death Benefit · 5-yr fixed annuity rate	5-yr	5.90%	$25,000	View rate
34	Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 10-yr	DirectGrowth MYGA with Enhanced Death Benefit · 10-yr fixed annuity rate	10-yr	5.90%	$25,000	View rate
35	Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 7-yr	DirectGrowth MYGA with Enhanced Death Benefit · 7-yr fixed annuity rate	7-yr	5.90%	$25,000	View rate
36	Upstream LifeSecure Legacy · 3-yr	Secure Legacy · 3-yr fixed annuity rate	3-yr	5.90%	$10,000	View rate
37	Atlantic CoastSafe Haven · 7-yr	Safe Haven · 7-yr fixed annuity rate	7-yr	5.89%	$5,000	View rate
38	Atlantic CoastSafe Harbor · 7-yr	Safe Harbor · 7-yr fixed annuity rate	7-yr	5.89%	$5,000	View rate
39	Atlantic CoastSafe Haven · 6-yr	Safe Haven · 6-yr fixed annuity rate	6-yr	5.87%	$5,000	View rate
40	AspidaAdvisory MYGA · 5-yr	Advisory MYGA · 5-yr fixed annuity rate	5-yr	5.85%	$100,000	View rate

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South Dakota fixed annuity rates & guaranty limit.

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