--- title: What’s the Best 5-Year Fixed Annuity? description: We’ve recently had agents calling in asking about the best 5-year fixed annuity. Here's what you need to know. image: https://blog.newhorizonsmktg.com/hubfs/BlogImages/NH-Whats-the-Best-5-Year-Fixed-Annuity.webp --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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Plus, the best 5-year fixed annuity often depends on what your client is looking for. That said, here's a quick guide to help you figure out which 5-year fixed annuity is the best. ## A Few Quick Notes Before we continue, a few more quick things: 1. You can always access **up-to-date annuity rates** by visiting our [Annuity Rates](https://www.newhorizonsmktg.com/products/annuity-rates) page. This link is also included at the bottom of the weekly email newsletter. 2. If you’re **just starting** out with annuities, this article is where you should begin: *[The Ultimate Guide to Selling Annuities In the Senior Market](https://blog.newhorizonsmktg.com/how-to-sell-annuities)* 3. **If you’ve started selling annuities, you’ve probably come across **these questions** (we have answers):[Annuity Q&A for Agents: Top Sales Experts Answer Your Trickiest Questions](http://www.newhorizonsmktg.com/news/annuity-q-a-for-agents-top-sales-experts-answer-your-trickiest-questions) ## Rate is King Alright, let's start with the golden rule of annuities – rate is king! When you're scouting for the best 5-year fixed annuity, keep your eyes peeled for those interest rates. Rate isn't the only thing that matters, but it's definitely No. 1. You can view all of the current interest rates for fixed annuities [right here](https://www.newhorizonsmktg.com/products/annuity-rates). Note that you must be registered and logged into our website to access this page. ## Full Account Value at Death Next up, we've got the importance of full account value at death. Picture this: your client passes away, and their loved ones are left with peace of mind knowing they'll receive the full account value. It's a win-win situation that adds an extra layer of security to their financial plan. We really like fixed annuities that come with this feature. ## Withdrawal Features Now, let's talk free withdrawals. Look out for annuities with withdrawal features like accumulated interest and the option for 5% or 10% free withdrawals. These perks give your clients the flexibility they need. Even if they don't plan to use any of the money, it's nice to know they can. That usually helps more hesitant clients get over the hurdle of a long-term contract. ## RMD-Friendly For clients with qualified money, finding an annuity that's RMD-friendly is a big one. Aim for one with a 5-10% withdrawal feature that caters to their age-appropriate RMD needs. ## 5-Year MYGA Comparison Chart Rates are constantly changing, so [visit our annuity rates page](https://www.newhorizonsmktg.com/products/annuity-rates)to look at the current rates. However, here's a chart to take a look at some of the other important features your client will appreciate. These are the carriers that are getting the majority of the 5-year fixed annuity business from us in 2024. |   | **Full Account Value at Death** | **Accumulated interest?** | **Other withdrawal options** | **RMD-friendly?** | **A.M. Best Rating** | | --- | --- | --- | --- | --- | --- | | [**Heartland National Life**](https://www.newhorizonsmktg.com/annuity-rates/secure-rate-5) | Yes | Yes | 5% Free Withdrawal Rider | Yes | B++ | | [**SILAC**](https://www.newhorizonsmktg.com/annuity-rates/secure-savings-elite-5) | Yes | Yes - rider deduction | 5% Free Withdrawal Rider | Yes - rider deduction | B+ | | [**Liberty Bankers Life (Elite)**](https://www.newhorizonsmktg.com/annuity-rates/bankers-elite-5) | No | No | None | No | A- | | [**Atlantic Coast Life**](https://www.newhorizonsmktg.com/annuity-rates/safe-haven-5) | Yes - rider deduction | Yes - rider deduction | 10% Free Withdrawal Rider | Yes - rider deduction | B++ | | [**Sentinel**](https://www.newhorizonsmktg.com/annuity-rates/personal-choice-5) | Yes - rider deduction | Yes - rider deduction | 10% Free Withdrawal Rider | Yes - rider deduction | B++ |   ## Annuity Carrier Spotlight: Heartland National Life Here's why agents are loving Heartland National Life right now: - Amazing rates (view current rates [here](https://www.newhorizonsmktg.com/products/annuity-rates)) - Full account value at death - Accumulated interest built right in, no rider necessary - .10% rider deduction for RMDs or a 5% penalty-free withdrawal That's why Heartland National Life is one of the best 5-year fixed annuities on the market right now. They're getting a ton of business – if you're not contracted to offer their annuities, that would be my top recommendation as we make our way through 2024.   ## Conclusion If you have any questions about the best fixed annuities, please don’t think twice about getting in touch with me. You can email or call me using the links below and I'll be glad to assist you. [Email Kirk](mailto:ksarff@nhmteam.net?subject=Annuity%20Rates%20Article) [Call Kirk](tel:+12172338000) [Annuities](https://blog.newhorizonsmktg.com/tag/annuities) ## Comments ## Read On [![NH-The-Senior-Market-Insurance-Agents-Guide-to-Overcoming-Objections-FB](https://blog.newhorizonsmktg.com/hubfs/NH-The-Senior-Market-Insurance-Agents-Guide-to-Overcoming-Objections-FB.jpg)](https://blog.newhorizonsmktg.com/the-senior-market-insurance-agents-guide-to-overcoming-objections) ### [The Senior Market Insurance Agent’s Guide to Overcoming Objections](https://blog.newhorizonsmktg.com/the-senior-market-insurance-agents-guide-to-overcoming-objections) Agents all over the country are living off of commission sales. If you can’t make the sale because... [![Quarterly Annuity Update with Kirk Sarff | Q4 2025](https://blog.newhorizonsmktg.com/hubfs/NH-Quarterly-Annuity-Update-with-Kirk-Sarff-Q4-2025.webp)](https://blog.newhorizonsmktg.com/quarterly-annuity-update1544) ### [Quarterly Annuity Update with Kirk Sarff | Q4 2025](https://blog.newhorizonsmktg.com/quarterly-annuity-update1544) Disclaimer: Interest rates change often. This article will be updated on a quarterly basis, but... [![From $0 to $200K In Annuity Sales: How One Agent Did It](https://blog.newhorizonsmktg.com/hubfs/NH-From-$0-to-$200K-In-Annuity-Sales-How-One-Agent-Did-It.webp)](https://blog.newhorizonsmktg.com/from-0-to-200k-in-annuity-sales-how-one-agent-did-it-1544) ### [From $0 to $200K In Annuity Sales: How One Agent Did It](https://blog.newhorizonsmktg.com/from-0-to-200k-in-annuity-sales-how-one-agent-did-it-1544) What if you could learn to sell annuities by having a proven producer mentor you through your... This website is for agent use only. 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