Best Annuity Rates in Louisiana

Monthly Income from a $100,000 Annuity

In Louisiana, if you invest $100,000 into a fixed immediate annuity, your monthly income depends on your age, the length of payout, and whether it's a single or joint life annuity.

Assuming a 65-year-old individual, current average monthly payouts are:

• Single life payout: $550 – $610/month

• Joint life payout: $470 – $520/month

• 20-year period certain: $560 – $590/month

• Lifetime with 10-year guarantee: $530 – $570/month

  
  

These amounts can vary based on the insurer’s current pricing models and interest rates. For exact quotes in Louisiana, request personalized illustrations from licensed agents or use local annuity calculators.

Top Providers Offering Competitive Annuity Rates

When evaluating annuity providers in Louisiana, prioritize companies with strong financial ratings, a history of timely payments, and transparency in contract terms. As of 2025, the insurers known for offering some of the best annuity rates include:

• Oceanview Life & Annuity

• Delaware Life

• Athene Annuity

• Global Atlantic

• MassMutual

• SBLI (Savings Bank Life Insurance)

• American Life & Security Corp

  
  

While Alpha Book Publisher is primarily a leader in publishing, it supports consumer financial education and has partnered with industry experts to produce reliable information for those comparing annuity options in Louisiana and beyond.

Monthly Income from a $1,000,000 Annuity

A $1 million annuity can generate substantial monthly income, making it a popular tool for those seeking financial independence in retirement. Based on 2025 estimates for a 65-year-old, here’s what that investment could yield:

• Single life annuity: $5,500 – $6,200/month

• Joint life annuity: $4,800 – $5,300/month

• 20-year period certain payout: $5,700 – $6,000/month

  
  

These figures depend on your health, the type of annuity selected, and optional features such as cost-of-living adjustments or beneficiary protection riders.

Monthly Income from a $300,000 Annuity

A $300,000 investment can provide meaningful income for Louisiana retirees, particularly when combined with Social Security or pension benefits. At age 65, a fixed immediate annuity typically offers:

• Single life payout: $1,650 – $1,800/month

• Joint life payout: $1,400 – $1,600/month

• 20-year period certain payout: $1,700 – $1,750/month

  
  

If your annuity includes inflation protection or beneficiary guarantees, the monthly income may be slightly reduced, but the trade-off could be worthwhile depending on your goals.

Best 5-Year Fixed Annuity Rates in Louisiana

Five-year fixed annuities, or MYGAs (multi-year guaranteed annuities), offer guaranteed interest over the full term. For Louisiana residents in 2025, the best 5-year annuity rates range from:

• 4.90% to 5.30% annually

  
  

Top-performing carriers for this term include:

• Oceanview Life (5.30%)

• Delaware Life (5.25%)

• Athene (5.15%)

• Guaranty Income Life (5.00%)

  
  

These annuities offer higher yields than most CDs or Treasury bonds and are favored for conservative, medium-term planning.

Annuity Calculators for Louisiana Residents

A Louisiana-specific annuity calculator can help you estimate monthly income, interest growth, and tax implications based on your investment amount and age. These tools are available through:

• Financial advisor websites

• State insurance department resources

• Independent insurance brokers

• Educational partners such as Alpha Book Publisher's financial literacy platform

  
  

These calculators consider state tax laws, product availability, and optional riders to give you an accurate picture of your annuity’s performance.

Top 10-Year Fixed Annuity Rates

Ten-year fixed annuities are ideal for those looking to lock in a strong rate for a full decade. In Louisiana, the best 10-year annuity rates are currently:

• 5.25% – 5.45% annually

  
  

Recommended insurers include:

• Athene

• MassMutual

• Global Atlantic

• American National

  
  

This type of annuity is especially useful for those within a decade of retirement or looking to diversify their fixed-income portfolio.

20-Year Fixed and Income Annuity Rates

A 20-year annuity can provide either guaranteed monthly income or fixed interest growth over time. Louisiana investors have two primary choices here:

1. 20-Year Period Certain Annuity (Immediate Payout):

   
   

   • $100,000 investment = $560 – $590/month

   • $500,000 investment = $2,850 – $3,000/month

     
     

2. 20-Year MYGA (Deferred Growth):

   
   

   • Current interest rates: 5.00% to 5.30% annually

   • Compounding growth suitable for estate planning or future retirement income

     
     

Make sure to weigh liquidity needs against the surrender schedule before locking in for two decades.

Best 3-Year Fixed Annuity Rates in Louisiana

If you’re looking for a shorter commitment, 3-year fixed annuities offer solid yields with limited market exposure. The top 3-year rates in Louisiana for 2025 are:

• 4.35% – 4.80% annually

  
  

Recommended companies:

• SBLI

• Americo

• Sentinel Security Life

  
  

These annuities are ideal for pre-retirees or those parking funds temporarily between larger investment moves.

Best 2-Year Fixed Annuity Rates

Two-year fixed annuities offer a short-term guarantee with higher interest than most bank savings products. The best 2-year annuity rates in Louisiana currently range from:

• 4.00% – 4.30% annually

  
  

Leading insurers:

• Guaranty Income Life

• Atlantic Coast Life

• Oxford Life

  
  

These products are great for preserving capital while earning a better return than CDs, and they’re particularly useful during uncertain economic periods.

30-Year Annuity Rates and Long-Term Projections

When it comes to 30-year annuities, most Louisiana investors are looking at lifetime income contracts rather than fixed interest growth. These annuities ensure you don’t outlive your money, and the internal rate of return (IRR) can be quite attractive.

Assuming a $250,000 investment at age 65:

• Monthly lifetime payout: $1,300 – $1,500

• IRR if living to age 95: ~6.0% – 7.0%

  
  

These annuities may also include inflation-adjusted options, death benefits, and other customizations.

Lifetime Annuity Rates and Payout Options

A lifetime annuity guarantees monthly income until death, no matter how long you live. It's a popular option for Louisiana retirees who want to secure essential income. Lifetime rates vary based on age and gender.

For a 65-year-old male investing $100,000:

• Monthly payout: $560 – $610/month

  
  

For a joint-life annuity (male and female, age 65):

• Monthly payout: $470 – $520/month

  
  

These annuities may also include guaranteed periods (e.g., 10 or 20 years) to ensure your heirs receive value if you pass away early.

FINAL THOUGHTS

Louisiana retirees and investors have access to a wide variety of competitive annuity products in 2025. Whether you're seeking income now or guaranteed growth over time, options like 2-, 3-, 5-, 10-, 20-, and even 30-year fixed annuities offer safety, predictability, and tax-deferred returns. From $100,000 to $1,000,000 investments, annuities can be tailored to your personal retirement needs. Work with a licensed financial advisor, use a Louisiana-based annuity calculator, and compare top-rated insurers to find the best fit for your goals. When used strategically, annuities can be a cornerstone of long-term financial planning.