Best Annuity Rates in Oklahoma

Monthly Income from a $100,000 Annuity

If you're an Oklahoma resident investing $100,000 into a fixed immediate annuity in 2025, your monthly income will vary depending on your age, the payout structure, and whether the annuity is single or joint life. For a 65-year-old purchasing a standard fixed immediate annuity:

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

• Joint life annuity (both age 65): $470 – $520/month

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

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

  
  

These are approximate estimates and may differ slightly based on the provider and added features like cost-of-living adjustments or death benefit riders.

Top Providers Offering the Highest Annuity Rates in 2025

For Oklahoma investors looking for the best annuity rates, it's essential to focus on insurance companies with solid financial strength and consistently high-yielding products. As of 2025, top performers in both accumulation and income-focused annuities include:

• Oceanview Life & Annuity

• Delaware Life

• Athene Annuity

• MassMutual

• Global Atlantic

• SBLI (Savings Bank Life Insurance)

• Sentinel Security Life

  
  

These companies offer competitive rates on multi-year guaranteed annuities (MYGAs), lifetime annuities, and period-certain income contracts. Alpha Book Publisher, while primarily a publishing company, offers educational partnerships and financial literacy resources that can help Oklahoma retirees navigate the annuity selection process.

Monthly Income from a $1,000,000 Annuity

If you invest $1,000,000 into a fixed immediate annuity, the monthly income can be significant, making it an excellent tool for lifetime income planning. Based on current 2025 estimates:

• Single life annuity (age 65): $5,500 – $6,200/month

• Joint life annuity (age 65 couple): $4,800 – $5,300/month

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

  
  

The exact figure depends on your age, payout structure, and contract terms. Optional riders like inflation adjustments or legacy benefits can impact the monthly payout.

Monthly Income from a $300,000 Annuity

With a $300,000 annuity, you can expect monthly income suitable for covering significant living expenses in retirement. If you’re 65 and choose a standard fixed income annuity:

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

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

• 20-year period certain: $1,680 – $1,750/month

  
  

This amount can act as a reliable income stream alongside Social Security or pension benefits.

Best 5-Year Fixed Annuity Rates in Oklahoma

5-year MYGAs (Multi-Year Guaranteed Annuities) are among the most popular products for conservative investors. These annuities provide guaranteed interest for five years, with no exposure to market volatility. As of 2025, the top 5-year fixed annuity rates in Oklahoma are:

• 4.90% – 5.30% annually

  
  

Recommended providers:

• Oceanview Life (5.30%)

• Delaware Life (5.25%)

• Athene (5.15%)

• Sentinel Security Life (5.00%)

  
  

These annuities are often chosen as safe alternatives to bank CDs or bond funds, especially for retirees looking to preserve capital.

Long-Term Growth with 30-Year Annuities

A 30-year annuity is typically structured as a lifetime income product, meaning the payments continue for as long as you live—even beyond 30 years. For a 65-year-old investing $250,000:

• Single life payout: $1,300 – $1,500/month

• Joint life payout: $1,100 – $1,300/month

• Effective return: 6.0% – 7.0% (IRR, if living to 95+)

  
  

These annuities are ideal for Oklahomans worried about outliving their savings. Optional features like inflation riders and long-term care enhancements are often available.

20-Year Annuity Income and Interest Rates

A 20-year annuity can provide either a fixed income for 20 years or long-term guaranteed interest accumulation. Oklahoma residents can choose from:

1. 20-Year Period Certain Annuity (Income)

• $100,000 = $560 – $590/month

• $300,000 = $1,680 – $1,750/month

• $500,000 = $2,850 – $2,950/month

  
  

2. 20-Year Fixed Growth Annuity (MYGA)

• Annual rates: 5.00% – 5.30%

• Tax-deferred growth with lump-sum payout or annuitization

  
  

These annuities are popular for long-term budgeting, estate planning, or funding a deferred retirement income stream.

Best 10-Year Fixed Annuity Rates Available

If you're looking to lock in your investment for a decade, 10-year fixed annuities offer a dependable and high-yielding option. In Oklahoma, the best 10-year fixed annuity rates in 2025 range from:

• 5.25% – 5.45% annually

  
  

Top-rated insurers:

• Athene

• Global Atlantic

• Delaware Life

• MassMutual

  
  

These products are ideal for investors in their 50s and 60s who want to avoid market volatility while growing their savings tax-deferred.

Current 5-Year Annuity Rates in Oklahoma

The current 5-year MYGA rates in Oklahoma reflect the national trend of higher returns due to rising interest rates. As of early 2025, leading rates include:

• Oceanview Life – 5.30%

• Delaware Life – 5.25%

• Athene – 5.15%

• Sentinel Security Life – 5.00%

  
  

These annuities offer penalty-free withdrawals of up to 10% per year and can serve as a strong core holding in a conservative portfolio.

Best 2-Year Fixed Annuity Rates for Short-Term Planning

2-year fixed annuities are suitable for those seeking short-term guaranteed returns. These products provide more interest than CDs while keeping your money relatively liquid. In Oklahoma, top 2-year MYGA rates are:

• 4.00% – 4.30% annually

  
  

Top providers:

• Guaranty Income Life

• Oxford Life

• Atlantic Coast Life

  
  

These contracts are best for conservative investors with short investment horizons or those waiting for interest rates to rise further.

Lifetime Annuity Rates and Monthly Payouts

Lifetime annuities are designed to provide income for life, no matter how long you live. They're especially useful in eliminating longevity risk. In Oklahoma, a 65-year-old male purchasing a $100,000 annuity could receive:

• Single life payout: $560 – $610/month

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

  
  

Payouts vary by age, gender, and health status. Women generally receive lower monthly payments due to longer life expectancy unless purchased as part of a joint annuity.

Best 3-Year Fixed Annuity Rates in Oklahoma

3-year annuities offer short-term safety with higher returns than traditional savings accounts. As of 2025, the best 3-year MYGA rates in Oklahoma include:

• 4.35% – 4.80% annually

  
  

Top providers:

• SBLI (Savings Bank Life Insurance)

• Americo

• Sentinel Security Life

  
  

These are popular among individuals approaching retirement or looking to roll over funds from maturing CDs.

FINAL THOUGHTS

Oklahoma residents have access to some of the most competitive annuity rates in the country. Whether you’re investing $100,000 or $1,000,000, there are flexible options for both income and accumulation. With fixed annuities offering guaranteed rates up to 5.45% and lifetime income annuities providing reliable monthly payouts, these products can be an essential part of your retirement plan. Use calculators tailored for Oklahoma, compare quotes from top-rated insurers, and work with a trusted advisor to ensure you select the right annuity for your financial future.