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We can help you fully understand the benefits, options, and considerations when selecting an annuity — including how to find rates of return that exceed CD. We’ll be in touch, or call us anytime at (888) 736-2396.
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We’re here to answer your questions and find the right products for you. Plus, we’re easy to reach. For the quickest information, just call us now: (888) 736-2396.
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You’re all set. We look forward to speaking with you soon.

We can help you fully understand the benefits, options, and considerations when selecting an annuity — including how to find rates of return that exceed CD. We’ll be in touch, or call us anytime at (888) 736-2396.
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A man is standing in front of a wall with pictures on it.

The path to smarter retirement decisions starts with expert knowledge.

Professor Aaron Brask, PhD, explains the benefits, options,
and considerations when selecting an annuity.

Let’s talk

We’re here to answer your questions and find the right products for you. Plus, we’re easy to reach. For the quickest information, just call us now: (888) 736-2396.
Start My Plan
Select Annuity Type*
Income to start after*
Income Options*
Purchase Dollar Amount*
Monthly Income Dollar Amount*
Resident State*
Type of Funds*
Income Based On*
Date of Birth*
Gender*
Date of Birth - Joint*
Gender - Joint*
Back
Submit

You’re all set. We look forward to speaking with you soon.

We can help you fully understand the benefits, options, and considerations when selecting an annuity — including how to find rates of return that exceed CD. We’ll be in touch, or call us anytime at (888) 736-2396.
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Why AnnuityPathAbout AnnuitiesExpert AdviceTake Our QuizAnnuities vs CDsRate Checker

Compare rates in real time here!

Check out our real-time annuity rate checker that shows you how to protect and grow your retirement income. Income security during retirement could be closer than you think. See how smart investors are capitalizing on earning opportunities.

MYGA/Fixed Rate Annuities

Current Rate Highs
5.25%
2 Years
5.65%
3 Years
6.00%
5 Years
6.00%
7 Years
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Welcome to your retirement path forward.

If the annuity marketplace feels complex and confusing, you don’t have to go it alone. AnnuityPath’s mission is to help you find the right annuity from the hundreds of options. We’re your independent resource, and we offer pressure-free, impartial guidance as you navigate this important financial decision. In fact, our only aim is to help you find the annuity that answers your needs and addresses your retirement portfolio strategy.

Independent

Our recommendations are drawn from a wide range of the top-rated carriers and made with third-party objectivity, so you can identify the annuity that is best for you.

Experienced

Access unparalleled expertise in every facet of the annuity marketplace. We are the place to get informed, reliable, strategic advice from professionals who’ve been in the industry for nearly four decades.

Transparent

Our priority at every step is your full understanding, from the initial inquiry to the product selection. Approach the annuity marketplace with clarity, confidence, and complete understanding.
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How Leah Brandt found a better way.

Leah Brandt’s 35+ years as a financial professional working in operations, sales, and marketing across financial services, retirement planning, and insurance taught her two key things:

1

People deserve clear, unbiased insight when exploring annuities.

2

There’s a better way to purchase annuities than the traditional sales-driven approach.
Leah set out to remove the industry bias and create a space where individuals can explore hundreds of annuity options with confidence. That’s why she founded AnnuityPath — a place where education comes first, and every recommendation is guided by your retirement goals.
Schedule a Call

Working with Annuity Path was a very positive experience. We felt very comfortable during the application process as they were so helpful and always so pleasant to work with. We would be confident to work with them for future investment opportunities.

Larry & Kathy T.

,

Leah Brandt is the most knowledgeable, fluent, and communicative MYGA Annuity agent I have found. She answers every question with patience and clarity, and makes the administrative part easy. She's always ready to assist, especially helpful in post funding policy administration. I will place future annuities with her again.

Dan V.

,

CDs or Annuities: 

The answer is in the rates.

You will see why smart investors are planning for the long-term by choosing annuities instead of CDs. They can realize better rates, earn more predictable returns, and earn interest tax-deferred.
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Tax Deferred

What you earn on your annuity will be tax-deferred until you take your money out, giving you a better chance to earn compound growth. When you take money out, you will be taxed at ordinary income rates, not as capital gains.

Better Interest Rates

Just look and compare: Multi-year guaranteed annuities (MYGAs) often offer higher interest rates than CDs. Best yet, we at AnnuityPath will help you find the highest interest rates possible.  

Guaranteed Growth

Annuities give you certainty. While some annuities grow based on the returns of a selected market index, protecting your investment principal, others grow at a guaranteed rate, so you can predict what you’ll have when they mature.

The key points smart investors know about annuities.

If you are seeking protection from market volatility, tax-deferred growth, or a guaranteed income during retirement, an annuity might be right for you. By understanding how annuities work, you can better evaluate their role in your financial strategy, ensuring that they align with your needs and goals.
How Annuities Work
Annuity Types
Why Annuities?
Annuities and Taxes
Annuity Options

How Annuities Work

An annuity is a contract between you and an insurance company, with terms designed to meet your specific financial goals. You can contribute money as a lump sum or periodically, and it grows based on a fixed rate or is linked to market performance, depending on the annuity you select.
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Annuity Types

Understanding the various annuity types is crucial to finding the one that meets your financial goals:
Multi-Year Guaranteed Annuities (MYGAs) 

offer fixed interest rates and function like CDs but often provide higher returns.
Fixed Indexed Annuities (FIAs)
combine the safety of fixed annuities with the growth potential tied to a market index, such as the S&P 500. They also include principal protection, ensuring you won’t lose money even during a downturn.
Immediate Annuities
‍pay income shortly after the lump sum is invested and are great if you’re retired and need immediate, predictable cash flow.
Deferred Income Annuities (DIAs)
ensure you will have income in the future by allowing you to invest now and then start receiving income at a pre-selected date when other resources may have been depleted.
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Why Annuities?

Annuities, depending on the type, can help you protect your savings from market volatility, safeguard your principal, offer tax-deferred growth, and offer guaranteed lifetime income. It’s that simple. Finally, annuities offer flexibility. Whether you’re looking to earn a guaranteed rate, take advantage of tax-deferred growth, or guarantee income now or in the future, there’s an annuity product designed to meet your specific goals.
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Annuities and Taxes

Annuities continue to grow without being taxed until you take your money out, making them an advantageous investment if you’re currently in a higher tax bracket. In many cases, only the interest or gains will be taxed as ordinary income, eliminating any concerns about capital gains (as always, be sure to talk with your tax advisor before an investment). Understanding the tax implications of annuities will help you optimize their benefits within your financial plan.
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Annuity Options

If you choose an income annuity, you can structure payouts to be:
  • Guaranteed income for the rest of your life.
  • Guaranteed income for as long as you or a designated beneficiary is alive.
  • Guaranteed income for the rest of your life with a guaranteed return of remaining principal to your beneficiaries if you die early.
  • A pre-set number of years for your payouts.
Plus, you can select an annuity with a rider providing death benefits or long-term care, among other options. Please note: While these add-ons can enhance the annuity’s utility, they often come with additional costs.
Get Started
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Will your retirement income last as long as you do?

Take the quiz to find out.
Answer these 6 questions to learn if you will be prepared for retirement.
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Income Builder
You're in a strong position to lock in a guaranteed income for life.
A SPIA (Single Premium Immediate Annuity) if you need immediate income or a DIA (Deferred Income Annuity) if you can wait to start receiving it may help you convert part of your savings into a monthly income stream you can’t outlive with options to protect your spouse too.
Schedule a Call
Secure Saver
You may benefit from a safe, fixed-rate annuity.
MYGAs (Multi-Year Guaranteed Annuities) offer a guaranteed rate for 2–10 years, similar to a CD, but often with better returns and with tax deferral.
Schedule a Call
Cautious Growth Planner
You may want growth with protection from loss.
FIAs (Fixed Index Annuities) allow your savings to grow without downside risk. Ideal for near-retirees seeking safety with upside to grow.
Schedule a Call
Spouse-Focused Planner
Let’s design an income strategy that protects your spouse.
You may benefit from an annuity that guarantees income for both you and your spouse making sure they are taken care of after you are gone.
Schedule a Call
Exploration-Focused Planner
Let’s walk through your options no pressure.
Let’s break down all the options for you in a brief call, and you can decide if annuities make sense later.
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We’re here to put
you on the right path.

Your source for finding rates of return that are
better than CDs.
questions@annuitypath.com
888-736-2396

Let’s talk

We’re here to answer your questions and find the right products for you. Plus, we’re easy to reach. For the quickest information, just call us now: (888) 736-2396.
Start My Plan
Select Annuity Type*
Income to start after*
Income Options*
Purchase Dollar Amount*
Monthly Income Dollar Amount*
Resident State*
Type of Funds*
Income Based On*
Date of Birth*
Gender*
Date of Birth - Joint*
Gender - Joint*
Back
Submit

You’re all set. We look forward to speaking with you soon.

We can help you fully understand the benefits, options, and considerations when selecting an annuity — including how to find rates of return that exceed CD. We’ll be in touch, or call us anytime at (888) 736-2396.
Submitted
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