Last updated: October 19, 2026
Quick Answer
Fixed annuities guarantee your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed.
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Questions & Answers
| Question | Answer |
|---|---|
| What is the lowest interest rate a fixed annuity will earn? | The minimum guaranteed interest rate is the lowest rate your annuity will earn. |
| Can the company change a guaranteed interest rate? | The company will guarantee it will not change for some time period. |
| Where is the guaranteed interest rate stated? | It’s stated in your contract and disclosure and can’t change as long as you own the annuity. |
Related Questions
Large Print Version
Are annuity interest rates guaranteed?
Fixed annuities guarantee your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed.
What is the lowest interest rate a fixed annuity will earn?
The minimum guaranteed interest rate is the lowest rate your annuity will earn.
Can the company change a guaranteed interest rate?
The company will guarantee it will not change for some time period.
Where is the guaranteed interest rate stated?
It’s stated in your contract and disclosure and can’t change as long as you own the annuity.
Source: © 2025 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.
Annuities Explained is not affiliated with or endorsed by the National Association of Insurance Commissioners (NAIC).
Educational content provided by Jeffrey Scott McLeod, LUTC, National Insurance Producer License #558629. This is for informational purposes only and is not a recommendation to buy or sell any annuity. Guarantees are subject to the claims-paying ability of the issuing insurance company. Always consult your own advisor and read the full NAIC Buyer’s Guide. For residents of your state.
Jeffrey Scott McLeod, LUTC — National Producer #558629.
Questions? Contact Jeff@AnnuitiesExplained.org.