2026 Annuity Rates
Compare monthly income from 8 top-rated US insurance carriers. All rates shown are for a $100,000 single premium immediate annuity (SPIA) with life-only payout.
Male Annuity Rates
Monthly income estimates for men, ages 55–80. Male rates are typically the highest due to shorter average life expectancy.
Male Monthly Income Rates
Updated March 2026| Carrier | Rating | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|---|
| New York Life | A++ | $535/mo | $575/mo | $632/mo | $712/mo | $825/mo | $988/mo |
| MassMutual | A++ | $520/mo | $558/mo | $615/mo | $695/mo | $808/mo | $970/mo |
| Pacific Life | A+ | $528/mo | $565/mo | $622/mo | $702/mo | $815/mo | $978/mo |
| Prudential | A+ | $515/mo | $552/mo | $608/mo | $688/mo | $798/mo | $960/mo |
| MetLife | A+ | $522/mo | $560/mo | $618/mo | $698/mo | $810/mo | $972/mo |
| Lincoln Financial | A+ | $510/mo | $548/mo | $605/mo | $685/mo | $795/mo | $958/mo |
| Nationwide | A+ | $518/mo | $555/mo | $612/mo | $692/mo | $802/mo | $965/mo |
| Allianz | A+ | $530/mo | $570/mo | $628/mo | $708/mo | $820/mo | $982/mo |
Rates updated March 2026. Based on $100,000 premium. Your exact rate may differ — request a personalized quote.
Female Annuity Rates
Monthly income estimates for women, ages 55–80. Female rates are slightly lower because women live longer on average.
Female Monthly Income Rates
Updated March 2026| Carrier | Rating | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|---|
| New York Life | A++ | $510/mo | $545/mo | $598/mo | $672/mo | $778/mo | $932/mo |
| MassMutual | A++ | $495/mo | $530/mo | $582/mo | $656/mo | $762/mo | $915/mo |
| Pacific Life | A+ | $502/mo | $538/mo | $590/mo | $664/mo | $770/mo | $922/mo |
| Prudential | A+ | $490/mo | $525/mo | $578/mo | $650/mo | $755/mo | $908/mo |
| MetLife | A+ | $498/mo | $535/mo | $586/mo | $660/mo | $765/mo | $918/mo |
| Lincoln Financial | A+ | $485/mo | $522/mo | $575/mo | $648/mo | $752/mo | $905/mo |
| Nationwide | A+ | $492/mo | $528/mo | $580/mo | $654/mo | $758/mo | $910/mo |
| Allianz | A+ | $505/mo | $540/mo | $594/mo | $668/mo | $774/mo | $928/mo |
Rates updated March 2026. Based on $100,000 premium. Your exact rate may differ — request a personalized quote.
Joint Annuity Rates
Monthly income estimates for couples (100% survivor benefit). Joint rates are lower because the annuity must cover two lifetimes.
Joint (Couple) Monthly Income Rates
Updated March 2026| Carrier | Rating | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|---|
| New York Life | A++ | $475/mo | $508/mo | $555/mo | $622/mo | $715/mo | $845/mo |
| MassMutual | A++ | $460/mo | $493/mo | $540/mo | $607/mo | $700/mo | $830/mo |
| Pacific Life | A+ | $468/mo | $500/mo | $548/mo | $615/mo | $708/mo | $838/mo |
| Prudential | A+ | $455/mo | $488/mo | $535/mo | $602/mo | $695/mo | $822/mo |
| MetLife | A+ | $465/mo | $498/mo | $545/mo | $612/mo | $705/mo | $835/mo |
| Lincoln Financial | A+ | $452/mo | $485/mo | $532/mo | $600/mo | $692/mo | $820/mo |
| Nationwide | A+ | $458/mo | $492/mo | $538/mo | $605/mo | $698/mo | $825/mo |
| Allianz | A+ | $472/mo | $505/mo | $552/mo | $618/mo | $712/mo | $842/mo |
Rates updated March 2026. Based on $100,000 premium. Your exact rate may differ — request a personalized quote.
What Affects Your Annuity Rate?
Several factors determine the monthly income you'll receive from an annuity:
- Your age: Older buyers receive higher monthly payments because the insurance company expects to make payments for fewer years.
- Your gender: Men receive higher payments than women because women have longer life expectancies. Joint (couples) rates are the lowest.
- Investment amount: Your monthly income scales proportionally. Investing $200,000 instead of $100,000 doubles your monthly payment.
- The insurance carrier: Rates vary by 10-15% across carriers. That's why comparing multiple companies is essential.
- Current interest rates: Annuity rates are influenced by Treasury yields and corporate bond rates. When rates are higher, annuity payouts tend to be more generous.
- Payout option: Life-only pays the most. Adding a period-certain guarantee or survivor benefit reduces the monthly amount.
These Are Sample Rates
Your actual rate could be higher based on your specific age and situation. Get a personalized quote — it's free, takes 2 minutes, and there's no obligation.
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