Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Retirement Stages Select 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.

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Learn how an annuity can provide guaranteed income for life.

Retirement Stages Select is a fixed index annuity that offers growth potential and principal protection to help you reach your retirement goals. 
Retirement Stages Select may be a good fit if: 
  • You are at or nearing retirement 
  • You are seeking downside protection for money you can’t afford to lose
  •  You are looking for opportunities to grow your nest egg without putting it at risk 
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
4.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate
Point to Point
Annual
150% Participation
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.5% Performance triggered
1-Year Fixed Account
Fixed
5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
55% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate
Point to Point
Annual
170% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.25% Performance triggered
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
85% Participation
1-Year Franklin SG Select PTP Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
165% Participation
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock
Point to Point
Annual
100% Participation
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
95% Participation
1-Year Franklin SG Select PTP Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
180% Participation
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock
Point to Point
Annual
110% Participation

Surrender schedule

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