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%

Growth Pathway 7

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.

Growth Pathway Fixed Index Annuity is an insurance product that offers protection for your money against a market downturn—with the opportunity for it to capture gains. It enables you to earn interest based on the performance of a specific market index, or a combination of indexes. 
  • Market Downside Protection – Your gains are locked in each year, meaning you can’t lose any of your payments or any credited interest due to market downturns or sudden market swings. 
  • Tax-deferred growth – You’ll have access to crediting strategies to help your money grow - four index options and one fixed account option. You can diversify your annuity by choosing one or a combination of strategies. And you won’t pay taxes on gains until you withdraw them. And the combination of compounded gains and a potentially lower tax bracket after you retire can help make your retirement savings go farther.
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
4.3% Fixed
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year S&P 500 PTP Cap (7-Year Lock)
Point to Point
Annual
7.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
60% Participation
2% Spread
1-Year Morgan Stanley Global Opportunities PTP Participation Rate
Point to Point
Annual
145% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.25% Performance triggered
1-Year S&P 500 Performance Triggered (7-Year Lock)
Performance Triggered
Annual
6% Performance triggered
1-Year Fixed Account
Fixed
4.6% Fixed
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
65% Participation
2% Spread
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
55% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap (7-Year Lock)
Point to Point
Annual
8.5% Cap
1-Year S&P 500 Performance Triggered (7-Year Lock)
Performance Triggered
Annual
6.5% Performance triggered
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% Performance triggered
1-Year Fixed Account
Fixed
4.85% Fixed
1-Year S&P 500 PTP Participation Rate with Spread
Point to Point
Annual
70% Participation
2% Spread
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
1-Year Morgan Stanley Global Opportunities PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year S&P 500 PTP Cap (7-Year Lock)
Point to Point
Annual
9% Cap
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate
Point to Point
Annual
195% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.5% Performance triggered
1-Year S&P 500 Performance Triggered (7-Year Lock)
Performance Triggered
Annual
7% Performance triggered

Surrender schedule

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