Annuity News & Rate Updates
Carrier moves, regulatory changes, and rate developments.
NAIC annuity buyer's guide: proposed changes for 2026
The NAIC's annuity guide review raises questions about illustrated returns, lifetime income and buyer rights. See proposed wording and practical checks.
Record $123.9 billion quarter: what the Q2 2026 annuity sales numbers say — and don't say — for shoppers
LIMRA: U.S. annuity sales hit a record $123.9 billion in Q2 2026. RILAs set a record and MYGA sales trailed last year. What the mix means for a buyer.
Why RILAs Are Among the Fastest-Growing Annuities, and Who Should Care
A RILA trades an FIA's 0% floor for more upside and a set, limited downside, so you can lose money. How buffers and floors work, and where a RILA fits.
Annuity "Best Interest" vs. Fiduciary: What the Standard Your Agent Owes You Really Means
Since a 2020 NAIC revision, a "best interest" rule covers annuity sales in every state. It is a heightened suitability standard, not a fiduciary duty.
How High-Net-Worth Retirees Ladder MYGAs Across Multiple Carriers
Retirees placing $1M or more often spread premium across several A-rated insurers and staggered maturities. The structuring logic and its honest tradeoffs.
Why MYGA rates track Treasury yields — and re-price unevenly
MYGA rates follow intermediate Treasury yields. How that link works, why carriers re-price unevenly, and how to compare offers on effective yield.
What drives MYGA rates - and how to decide whether to lock in
MYGA rates move with bond yields and Fed policy. How that works, how example rates compare with CDs and Treasuries, and how to decide whether to lock in.
How Fed policy moves annuity rates: the mechanism, explained
The Fed sets short-term rates, but MYGAs and SPIAs are priced off bond yields. How Fed policy reaches annuity rates, and what it means for locking in.
How the 10-year Treasury yield drives MYGA pricing
MYGA rates track Treasury yields of matching maturity, with the 10-year leading longer terms. How the link works and how to use it when shopping.
MYGA Shopping Math: After-Tax Yields, CDs, and Surveying Carriers
MYGA shopping math: compare top rates with top and averages with averages, weigh after-tax returns against CDs, and survey carriers before you lock in.
SECURE 2.0 changes to QLAC rules: what IRA holders can do now
SECURE 2.0 dropped the 25% QLAC limit and set an inflation-indexed dollar cap, $210,000 for 2026. What changed and how IRA holders can use it.