We track fixed annuity rates from 40+ carriers and explain how they actually work — in plain English, with no sales pressure. Learn what fits your retirement, then decide when you're ready.
Start wherever makes sense for you. No forms, no phone number required — just answers.
Filter by state, term, and investment amount. Sorted by guaranteed yield — the honest, full-term number, not just a first-year headline rate.
Rates shown are for illustrative purposes and subject to change without notice. Not all products available in all states. Free withdrawal percentages vary by product — confirm with carrier before purchase. Annuities are insurance products, not bank deposits or securities. AM Best ratings current as of last update.
Fixed annuities solve specific problems. Which one fits your situation?
Lock in a fixed rate for 2–10 years with tax-deferred compounding. Better rates than most CDs — no market risk, no surprises. Learn more →
Earn interest tied to the S&P 500 with zero downside exposure. Lock in gains annually and never lose a dollar to market losses. Learn more →
Turn a lump sum into income you can't outlive. Only annuities and pensions can do this — no other financial product comes close. Learn more →
Use an annuity to fund potential long-term care needs — up to 3× leverage on your deposit, with no "use-it-or-lose-it" pressure. Learn more →
Devin Shave founded Annuity Radar because the annuity industry needed a straightforward resource — one that shows you real rates, explains how products actually work, and gives you the information to make your own decision without being sold to.
Annuity Radar operates under SFG Financial Services, Devin's family-owned financial services firm that has served clients since the 1970s. Devin is licensed in multiple states and specializes in MYGAs, Fixed Indexed Annuities, and income annuities.
We explain products, give you real numbers, and let you decide. If an annuity isn't right for you, we'll say so.
Carriers pay commissions — you don't. We'll disclose everything upfront, including what we earn, before you make any decision.
We're not captive to any one company. We compare rates across the market and recommend what's actually best for your situation.
Use our MYGA Calculator to see year-by-year compounding growth, compare against a taxable CD, and see exactly how much tax deferral adds to your bottom line.
If your annuity is a few years old, today's rates may have moved — and your surrender period may be ending. Devin will review your current contract honestly and tell you whether you can do better, with no obligation to change anything.
Plain-English education on fixed annuities — no jargon, no spin.
The side-by-side math most banks don't want you to see — and why tax deferral changes the final number significantly.
How you can earn interest linked to the S&P 500 without ever losing principal — and what "cap rate" actually means.
The math behind income annuities — and why no stock portfolio can truly replicate guaranteed lifetime payments.
Devin works with clients across the country — and the same things come up again and again: clear explanations, honest guidance, and no sales pitch.
"I have been using Devin for the past 7 years and have invested a significant amount of my retirement assets with him. Devin has provided excellent financial advice and supreme service — from completing applications all the way through transferring assets. He has proved he has integrity, honesty, and cares about his clients. I would highly recommend Devin to serve as your financial advisor."
"Working with Devin has been an absolute pleasure. His extensive knowledge made the entire process seamless and stress-free. He takes the time to explain everything in detail and ensures all my questions are answered. I always feel confident that I'm making the best financial decisions with his guidance. I highly recommend Devin to anyone looking for a knowledgeable and trustworthy advisor."
"Devin made the entire process feel simple and comfortable. He took the time to explain my options in a way that actually made sense, and I never felt rushed or pressured. It's clear that he genuinely cares about helping people make the right decision for their situation. I would absolutely recommend him to anyone looking for honest and knowledgeable guidance."
"Devin was able to identify some large gaps in our retirement plan and explain clearly the solutions and steps we needed to take to bulletproof our plan. He is excellent and professional, and my family trusts him. I am very grateful for the time he spent with us and the confidence he gave us moving forward."
"Working with Devin was a great experience from start to finish. He was patient, responsive, and very clear about how everything worked. What I appreciated most was that he explained both the pros and cons instead of just trying to sell me something. That gave me a lot of confidence in the decisions I was making."
"Devin is the kind of advisor you hope to find. He listens, he explains things clearly, and he follows through on what he says he's going to do. I had a lot of questions, and he answered every one with patience and professionalism. I felt like I was in good hands the entire time."
Testimonials reflect the experiences of individual clients and are not a guarantee of future results. Clients were not compensated for their statements.
Send Devin your situation — deposit amount, timeline, state — and he'll come back with the top options for you. No commitment, no pitch call.