Compare SPIA Annuity Rates From America's Top-Rated Carriers
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2026 SPIA Rates: How Much Guaranteed Income Could You Receive?
Based on a $100,000 investment. Updated monthly.
Male, Age 65
$675/mo
Best available rate
Female, Age 65
$637/mo
Best available rate
Joint, Age 65
$587/mo
Best available rate
How a Life Annuity Works
It's simpler than you think. Three steps to guaranteed retirement income.
You invest a lump sum
You transfer a one-time amount — from savings, a 401(k) rollover, or other retirement funds — to a top-rated insurance company.
The insurance company guarantees monthly payments
The carrier calculates your monthly payout based on your age, gender, and investment amount — backed by their financial reserves.
You receive income for the rest of your life
Your payments arrive every month like clockwork, no matter how long you live. Your income is guaranteed — period.
Learn About Annuities
Free guides written by immediate annuity specialists who work for you, not the insurance companies.
What Is a Life Annuity?
Understand how annuities provide guaranteed income in retirement and who they're best for.
Read More →Types of Annuities Explained
Immediate, deferred, fixed, indexed, variable: what each one does, and why the SPIA is the one built for income now.
Read More →How Are Annuities Taxed?
Federal and state tax treatment of annuity income, including exclusion ratios and required distributions.
Read More →Annuity vs. 401(k)
Comparing annuities to traditional retirement accounts — when does each make sense?
Read More →Best Age to Buy an Annuity
Timing matters. Learn how your age affects rates and when most people buy.
Read More →Pros & Cons of Annuities
An honest look at the benefits and drawbacks of annuity products for retirees.
Read More →SPIA Rates and Taxes in Your State
Tax treatment and regulations vary by state. Select yours for specific guidance.
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