CD maturing?

You can find better rates.

You can make a few extra dollars with a specialty insurer chasing a headline rate — and we could too. At GetSure we have chosen to say no thank you. If it were our life savings, we would put it with a MassMutual or a Mutual of Omaha. That is exactly the advice we give our customers.

Athene Corebridge (AIG) Lincoln Financial MassMutual Mutual of Omaha Nationwide New York Life North American Protective Pruco Life

Savings Decision Engine

Answer five questions to compare current fixed-rate options.

What amount should we compare?

Availability and protection limits vary by state.

What term length should we compare?

Use the longest term you would seriously consider. Longer guarantees often quote higher rates.

Is this retirement money?

This mostly affects paperwork and tax handling later.

Could you need part of this money before the term ends?

This is about flexibility, not emergencies.

Are you only comfortable with bank/CD protection?

Bank CDs and insurance-company contracts are protected differently.

Educational only — not a recommendation to buy.