Best Annuity Rates in Georgia

Monthly Income from a $100,000 Annuity in Georgia

For Georgia residents, a $100,000 annuity can provide reliable monthly income, especially when set up as a single premium immediate annuity (SPIA). A 65-year-old retiree choosing a single-life payout can expect approximately $500 to $600 per month.

Typical payout ranges:

• Single Life Immediate Annuity: ~$560/month

• Joint Life with 10-Year Period Certain: ~$470/month

• With 2% Annual COLA (Cost-of-Living Adjustment): ~$440/month initially, with annual increases

  
  

These figures are influenced by age, payout structure, and whether inflation protection is included. The older the annuitant, the higher the monthly payout due to the shorter payment period.

Highest Paying Annuity Providers

When searching for the highest paying annuity, you’ll want to look at providers that offer top yields on multi-year guaranteed annuities (MYGAs), fixed indexed annuities, and immediate annuities.

Currently leading the pack:

• Athene

• Delaware Life

• Oceanview Life & Annuity

• MassMutual Ascend

• Fidelity & Guaranty Life

  
  

These insurers are known for their strong financial ratings and competitive interest rates, especially on fixed contracts with 3- to 10-year terms. Many also offer attractive options for seniors with income riders, enhanced death benefits, and flexible withdrawal provisions.

Companies Offering the Best Annuity Rates Today

As of 2025, the best annuity rates available in Georgia are being provided by a mix of national and regional carriers. While rates are subject to change, top offerings include:

• Oceanview Life – MYGAs up to 5.60%

• Delaware Life – MYGAs around 5.55%

• Sentinel Security Life – Competitive short-term fixed annuities

• Aspida Life – Strong mid-term offerings

• Canvas Annuity – Attractive 2- to 5-year products

  
  

Choosing the best annuity goes beyond rate—it’s also about evaluating surrender schedules, liquidity provisions, and insurer credibility.

Monthly Income from a $500,000 Fixed Annuity

For those investing $500,000 into a fixed annuity in Georgia, monthly income can be quite substantial if you opt for immediate payouts.

Estimates for a 65-year-old:

• Single Life Immediate Annuity: ~$2,750/month

• Joint Life with 10-Year Guarantee: ~$2,300/month

• With 2% COLA: ~$2,100/month to start, rising over time

  
  

This annuity size is commonly used to cover essential monthly expenses, fund legacy plans, or balance out more volatile investment assets in retirement.

Best 5-Year Fixed Annuity Rates in Georgia

5-year fixed annuities (MYGAs) are among the most popular products for retirees seeking security with a strong yield. As of 2025, the best 5-year annuity rates in Georgia range between 5.30% and 5.60%.

Top providers:

• Delaware Life – ~5.60%

• Oceanview Life – ~5.55%

• Nassau Re – ~5.45%

• Sentinel Security Life – ~5.40%

  
  

A $100,000 investment at 5.6% grows to around $131,000 over five years, assuming compound growth with no early withdrawals. These contracts often allow limited annual penalty-free withdrawals, which is helpful for emergency planning.

Planning with a 30-Year Annuity Structure

Though traditional 30-year fixed annuities don’t exist in a conventional sense, you can build a long-term income stream using:

• Lifetime income annuities with a 30-year guaranteed period

• Deferred income annuities (DIAs)

• Structured settlement annuities

  
  

A $100,000 investment might generate:

• ~$500/month for 30 years (depending on structure)

• More if deferred or purchased at an older age

  
  

These long-term strategies appeal to those focused on estate planning or extended retirement coverage, especially if combined with Social Security and pension benefits.

Best 10-Year Fixed Annuity Rates

10-year fixed annuities provide a decade of guaranteed growth with no market risk. Georgia residents can currently access interest rates between 4.90% and 5.25%.

Top insurers:

• MassMutual Ascend – ~5.25%

• American National – ~5.10%

• F&G Life – ~5.00%

  
  

With tax-deferred growth and predictable returns, 10-year annuities work well for those still accumulating retirement assets or planning for mid-term financial goals.

Best 3-Year Fixed Annuity Rates in Georgia

For short-term income planning, 3-year fixed annuities are a strong alternative to CDs and high-yield savings. In 2025, Georgia’s best 3-year annuity rates are in the 5.10% to 5.35% range.

Top providers:

• Sentinel Security Life – ~5.35%

• Canvas Annuity – ~5.25%

• Aspida Life – ~5.20%

  
  

Short-term annuities offer quick turnaround with higher yields than typical bank products. They’re ideal for laddering strategies or conservative savers expecting to reassess options after a few years.

Reliable 20-Year Annuity Payout Options

A 20-year annuity can be either:

• A period-certain annuity with equal monthly payouts

• A fixed MYGA or deferred annuity with long-term growth

  
  

For income-based products, a $100,000 annuity might pay:

• ~$550–$600/month for 20 years

  
  

For fixed growth products:

• Rates range from 4.85% to 5.10% on MYGAs with 20-year durations

  
  

These are effective tools for retirees who want predictable payouts through their 60s and 70s or plan to leave a structured income to a spouse or heirs.

Best 2-Year Fixed Annuity Rates in Georgia

2-year fixed annuities offer short-term growth for investors who want liquidity sooner. The best current rates in Georgia are between 4.60% and 4.85%.

Recommended insurers:

• Canvas Annuity – ~4.80%

• Oxford Life – ~4.70%

• Delaware Life – ~4.65%

  
  

These contracts are perfect for transitioning money from maturing CDs or parking cash with a higher return while waiting for market clarity or better opportunities.

Current 5-Year Annuity Rates in Georgia

The current 5-year MYGA rates in Georgia are highly competitive in 2025, offering returns well above traditional banking products.

• Delaware Life – ~5.60%

• Oceanview Life – ~5.55%

• Aspida Life – ~5.45%

• Sentinel Security Life – ~5.40%

  
  

These annuities are ideal for retirees looking to lock in solid yields while maintaining safety and tax-deferred growth. Many also allow for limited withdrawals in case of unexpected needs.

Fidelity’s Best 5-Year Fixed Annuity Rates in Georgia

Fidelity doesn’t issue annuities directly but offers access to leading annuity carriers. Their 5-year fixed annuity rates in Georgia are currently up to 5.30%, depending on the insurer.

Fidelity's platform allows you to:

• Compare multiple insurer rates

• Access retirement planning tools

• Integrate annuities into existing IRA or brokerage accounts

• Get professional assistance with portfolio balancing

  
  

Fidelity is ideal for investors who want transparency and the convenience of managing annuities alongside other retirement assets.

FINAL THOUGHTS

Georgia retirees and investors in 2025 are positioned to take advantage of historically strong annuity rates across all durations—from 2-year savings vehicles to lifetime income streams. Whether you're setting up a $500,000 annuity for monthly income, securing a 5-year MYGA for mid-term growth, or exploring a 30-year payout strategy, the current market offers stability and attractive returns.

Insurers like Athene, Delaware Life, Oceanview, and Fidelity's partner network provide competitive products tailored to various retirement needs. With high-yielding MYGAs, income annuities for every budget, and flexible payout options, now is a great time to explore annuities as part of a comprehensive retirement plan. Use a Georgia-specific annuity calculator or speak with a licensed advisor to customize your solution and secure your financial future.