MYGA rates

Multi-year guaranteed annuity rates, in context

The best MYGA rates in 2026 run about 5 to 6 percent, because a multi-year guaranteed annuity pays close to the insurer's bond yield minus their spread. Here is how MYGA rates sit against the live Treasury curve, and the secondary-market alternative with an estimated yield up to 8.50% for money you can lock up.

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By term

MYGA rates against the Treasury curve

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Term	MYGA rate (market range)	Treasury, same term	Secondary market
3-year	4.9–5.5%	4.14%	up to 8.50%
5-year	5.2–5.8%	4.23%	up to 8.50%
7-year	5.4–6.0%	4.23%	up to 8.50%
10-year	5.5–6.1%	4.49%	up to 8.50%

Treasury yields as of July 2, 2026, U.S. Department of the Treasury (last available). MYGA ranges are illustrative 2026 market figures, not carrier quotes.

The pattern is the point. A MYGA pays a small premium over the Treasury of the same term. A secondary-market payment stream pays a wider premium because it has limited liquidity and is not guaranty-backed. See the full trade-off against CDs, Treasuries, and new annuities.

MYGA rate questions, answered straight

What are the best MYGA rates right now?

In 2026, the best multi-year guaranteed annuity rates run roughly 5 to 6 percent, with longer terms and lower-rated carriers paying slightly more. A MYGA rate is essentially the insurer's bond yield minus a spread, so top rates cluster close to the Treasury curve of similar duration. Money you can lock up for the full term but want a higher fixed yield on can look to secondary-market payment streams instead, which currently yield about 4 to 7 percent effective.

What is a MYGA and how is it different from a CD?

A multi-year guaranteed annuity (MYGA) locks a fixed interest rate for a set term, usually 3 to 10 years, much like a CD issued by an insurance company. The differences: a MYGA grows tax-deferred, is backed by the insurer rather than the FDIC, and carries surrender charges if you exit early. A CD is federally insured and easier to break. Both cap out near prevailing rates, which is why yield-focused buyers also compare the secondary market.

Are MYGA rates better than Treasury yields?

Usually a MYGA pays a modest premium over a Treasury of the same term, plus tax deferral, in exchange for giving up liquidity and taking insurer credit risk instead of federal backing. The premium is small because the insurer invests largely in the same bonds. To earn a wider spread over Treasuries, investors trade more liquidity, which is exactly what a secondary-market payment stream asks in return for its higher effective yield.

How do I compare a MYGA to a secondary-market payment stream?

Line up the MYGA's guaranteed rate and term against a listing's effective yield and payment window. The payment stream typically shows a higher yield for a comparable duration because you buy an existing schedule at a discount, but it has limited liquidity and is not covered by guaranty associations. There is no daily market, though resale or reassignment may be possible with our assistance at a price that is not guaranteed. Our inventory shows every listing's yield, carrier, and schedule, or reach our team at (800) 449-6311.

What these assets are, and what they are not

Guaranteed and life-contingent structured settlement payment rights, and lottery payment rights, represent the right to receive factored payments that Pacific Structured Assets purchases and assigns to investors through a court-approved process. They are purchased at a discount to their total scheduled payments.

These payment rights are NOT annuities, NOT insurance products, and NOT securities registered with the U.S. Securities and Exchange Commission. They are not bank deposits, are not FDIC-insured, and are not protected by any state insurance guaranty association. The industry term “secondary market annuity” refers to these payment rights and does not mean you are purchasing an insurance annuity contract.

You acquire the right to receive the payments, not the underlying annuity. The annuity itself does not change hands. Unlike the original structured settlement annuity, which may be shielded from creditors under applicable law, the assigned payment rights you purchase generally do not carry that creditor or bankruptcy protection.

Assigned annuities, offered as a separate product line, are existing insurance annuity contracts reassigned to a new owner through a change of ownership or an irrevocable change of payee.

These are long-term holdings with limited liquidity, and may not be suitable for every investor. There is no public trading market and no daily price. Resale or reassignment of a payment stream to another buyer may be possible, and Pacific Structured Assets can assist, but a resale is not guaranteed and the price it would bring is not guaranteed. Because the payments are fixed, that resale value moves with prevailing interest rates: an investor could realize a gain if rates have fallen since purchase, or a loss if rates have risen. These holdings are best suited to capital an investor can commit for the long term. Nothing on this website is tax, legal, financial, or investment advice. Consult your own advisors before investing.

Pacific Structured Assets, Inc. does not provide tax, legal, financial or accounting advice. The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal, financial or accounting advice. You should consult your own tax, legal, financial or accounting advisors before engaging in any transaction, including the acquisition of factored structured settlement payments. Pacific Structured Assets is not registered with the Securities and Exchange Commission and is not licensed to sell insurance in any state.

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Multi-year guaranteed annuity rates, in context

MYGA rates against the Treasury curve

MYGA rate questions, answered straight

Lock up the money either way? Compare the yield.

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