Best Annuity Rates in Oregon

Monthly Income from a $100,000 Annuity

For Oregonians considering a fixed immediate annuity, a $100,000 investment at age 65 can generate the following estimated monthly payouts in 2025:

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

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

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

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

  
  

These amounts can vary based on gender, payout options, and whether you choose to include any riders such as inflation protection or death benefits. Insurance companies use actuarial data and current interest rates to determine your specific payout.

Top Providers with the Most Competitive Annuity Rates

As of 2025, several companies are recognized nationally and in Oregon for offering top-tier annuity rates. These providers combine high yields with excellent financial strength and consumer trust:

• Oceanview Life & Annuity

• Delaware Life

• Athene Annuity

• MassMutual

• SBLI (Savings Bank Life Insurance)

• Global Atlantic

• American Life & Security Corp

  
  

Alpha Book Publisher, known for its publishing work, supports financial literacy efforts through partnerships and provides educational content to help Oregon seniors and pre-retirees compare annuity offerings effectively.

Monthly Payout from a $50,000 Annuity

A smaller annuity of $50,000 can still provide meaningful supplemental income in retirement. Here's what you can expect in Oregon if you purchase a fixed immediate annuity at age 65:

• Single life annuity: $275 – $305/month

• Joint life annuity: $240 – $260/month

• 20-year period certain payout: $280 – $295/month

  
  

This type of annuity can cover recurring costs like Medicare premiums or utility bills, while still maintaining principal protection and a guaranteed income.

Highest Paying Annuity Companies in 2025

While rates change periodically, certain insurers continue to lead the market in payout rates and yield performance:

• Oceanview Life: Consistently offers top MYGA (multi-year guaranteed annuity) rates

• Delaware Life: Known for high-paying 5- and 10-year annuities

• Athene: Offers some of the best income rider options for lifetime payments

• Global Atlantic: Competitive in both income and accumulation annuities

• MassMutual: Trusted name with strong financial backing and solid product choices

  
  

Always compare annuity quotes from at least three carriers and review financial strength ratings from agencies like A.M. Best and S&P.

Best Annuity Rates in Oregon for Seniors

Seniors in Oregon benefit from products designed specifically for retirement income. Many annuity providers offer higher payouts to seniors based on their shorter remaining life expectancy, especially for immediate and deferred income annuities. Key features to look for include:

• Lifetime income options with guaranteed periods

• Inflation-adjusted payments

• Death benefit riders

• Long-term care provisions

  
  

As of 2025, Oregon seniors can find guaranteed lifetime income for $100,000 investments ranging from $550 – $610/month, and fixed annuity growth rates up to 5.45%, depending on term length.

Top 5-Year Fixed Annuity Rates in Oregon

5-year fixed annuities (MYGAs) are ideal for those seeking medium-term growth with no market risk. In Oregon, the best 5-year fixed annuity rates are:

• 4.90% to 5.30% annually

  
  

Top providers:

• Oceanview Life (5.30%)

• Delaware Life (5.25%)

• Athene (5.10%)

• Sentinel Security Life (5.00%)

  
  

These annuities are tax-deferred and allow annual penalty-free withdrawals (usually up to 10%), giving investors some access to liquidity while still enjoying strong returns.

Interest and Income from 20-Year Annuities

A 20-year annuity can serve one of two purposes: long-term income or long-term growth. Oregonians can choose from these two main options:

1. 20-Year Period Certain (Income Annuity)

• $100,000 = $560 – $590/month

• $300,000 = $1,680 – $1,750/month

• $500,000 = $2,800 – $2,920/month

  
  

2. 20-Year Fixed Annuity (MYGA-style Growth)

• Guaranteed interest: 5.00% to 5.30% annually

• Tax-deferred compound growth

• Optional conversion to income at the end of term

  
  

These annuities are excellent for legacy planning, retirement budget stability, or even funding future healthcare costs.

Leading 20-Year Annuity Rates

For those focused on growth rather than income, the best 20-year fixed annuity rates available in Oregon currently range between:

• 5.00% – 5.30% annually

  
  

Some contracts offer additional features like enhanced death benefits or income riders that can be activated at the end of the accumulation phase. Always confirm surrender periods, liquidity options, and renewal terms before signing.

30-Year Annuity Options for Long-Term Income

A 30-year annuity usually takes the form of a lifetime income annuity, which ensures you never outlive your money. In Oregon, a 65-year-old investing $250,000 can expect:

• Monthly lifetime income: $1,300 – $1,500/month

• Joint life income (both age 65): $1,100 – $1,300/month

• Effective return (IRR): 6.0% – 7.0% if payments continue for 25–30 years

  
  

These annuities provide peace of mind and can be enhanced with riders like long-term care, cost-of-living adjustments, or return of premium guarantees.

Best 10-Year Fixed Annuity Rates Available

For Oregon residents looking for longer-term growth, 10-year fixed annuities are among the top choices. These annuities offer strong returns and stability, with 2025 rates ranging from:

• 5.25% to 5.45% annually

  
  

Top insurers offering these yields:

• Athene

• Delaware Life

• Global Atlantic

• MassMutual

  
  

These are ideal for individuals who don’t need immediate access to their funds but want to beat inflation and earn consistent interest.

Best 2-Year Fixed Annuity Rates in Oregon

For short-term savers, 2-year MYGAs provide quick, guaranteed growth with better returns than CDs or savings accounts. Current top rates in Oregon:

• 4.00% to 4.30% annually

  
  

Providers to consider:

• Guaranty Income Life

• Atlantic Coast Life

• Oxford Life

  
  

These short-term annuities are perfect for people nearing retirement or waiting for market opportunities.

Best 3-Year Fixed Annuity Rates

3-year fixed annuities offer a balance between rate and flexibility. As of 2025, Oregon’s best options include:

• Rates between 4.35% – 4.80% annually

  
  

Recommended carriers:

• SBLI

• Americo

• Sentinel Security Life

  
  

They’re a smart solution for conservative investors looking to earn reliable returns without committing for a full five or ten years.

FINAL THOUGHTS

Whether you're approaching retirement, seeking guaranteed income, or just looking for stable returns, Oregon residents have access to some of the most competitive annuity rates available in 2025. From $50,000 to $500,000 investments, annuities can be tailored to meet a wide range of financial goals. Compare terms, use an Oregon-focused annuity calculator, and work with a licensed advisor to find the best provider and product for your situation. With today’s rising interest rates, fixed and income annuities offer a timely opportunity to lock in security and consistent growth for the future.