Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Foundations Annuity 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

As a fixed index annuity, Foundations helps grow retirement savings without investing in the stock market. You can receive interest credits based on a portion of the increase of a financial market index, but are guaranteed to never lose money due to market loss. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
3% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
9.5% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
1.75% Spread
2-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Biennial
1% Spread
1-Year S&P 500 Factor Rotator Daily RC2 7% PTP Participation Rate with Spread
Point to Point
Annual
140% Participation
2-Year S&P 500 Factor Rotator Daily RC2 7% PTP Participation Rate with Spread
Point to Point
Biennial
175% Participation
1-Year S&P MARC 5% ER PTP Participation Rate with Spread
Point to Point
Annual
200% Participation
2-Year S&P MARC 5% ER PTP Participation Rate with Spread
Point to Point
Biennial
250% Participation
1-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Annual
160% Participation
2-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread
Point to Point
Biennial
200% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%