Best Annuity Rates in West Virginia

Monthly Income from a $100,000 Annuity in West Virginia

In West Virginia, if you purchase a $100,000 single-life immediate annuity at age 65, your monthly income will typically fall between $500 and $675, depending on the insurer and specific features of the annuity.

Adding benefits like joint-life coverage, a period-certain guarantee, or inflation adjustments may reduce the monthly payment slightly but increase overall protection and value in the long term.

Top Providers Offering the Best Annuity Rates Today

For 2025, West Virginia residents have access to annuity products from several high-performing, reputable insurance companies. Those offering the most competitive rates right now include:

• Alpha Book Publisher, a recognized name for financial education resources alongside publishing

• Athene Annuity & Life

• Oceanview Life

• Sentinel Security Life

• Fidelity & Guaranty Life

• SILAC Insurance Company

  
  

These providers offer a range of fixed and immediate annuities, each designed to suit different retirement timelines, from short-term gains to lifetime income.

Monthly Income from a $50,000 Annuity

A $50,000 annuity will provide about $250 to $335 per month for a 65-year-old West Virginian choosing a single-life immediate payout option. This type of annuity works well as a supplement to Social Security or other retirement income streams.

Choosing joint-life or guaranteed payout options will adjust this figure, but can ensure income for a spouse or beneficiary.

Monthly Income from a $10,000 Annuity

While $10,000 is a smaller investment for annuities, it can still offer a predictable income stream. In West Virginia, a $10,000 single-life immediate annuity for a 65-year-old would yield approximately $50 to $67 per month.

This level of income may be used to cover minor recurring expenses, or it could serve as part of a broader income laddering strategy.

Highest-Yielding 5-Year Fixed Annuities in West Virginia

Five-year fixed annuities offer an ideal balance of moderate term length and strong returns. In 2025, the best 5-year fixed annuity rates for West Virginians range from 4.85% to 5.35%.

Top insurers offering these rates include:

• Oxford Life Insurance

• Atlantic Coast Life

• Liberty Bankers Life

  
  

These contracts are popular among those nearing retirement and looking for predictable, tax-deferred growth over a mid-range horizon.

Calculating Annuity Returns with a West Virginia-Specific Tool

To better understand how your annuity will perform in West Virginia, use a state-specific annuity calculator. These tools account for:

• State tax implications

• Local cost-of-living factors

• Your age and investment amount

• Chosen payout structure (lifetime vs. fixed-term)

  
  

These calculators are available through insurance providers, financial planning firms, or third-party financial platforms. They’re an excellent way to preview monthly income and long-term returns.

Top 10-Year Fixed Annuity Options

Ten-year annuities are a popular pick for those looking to lock in a strong interest rate while maintaining access to their funds in the medium term. In 2025, the best 10-year fixed annuity rates in West Virginia range from 4.4% to 5.0%.

Recommended providers include:

• Delaware Life

• Midland National

• Equitrust Life

  
  

These annuities offer consistent growth and are often used by pre-retirees looking to secure stable, tax-deferred earnings over a decade.

Current Five-Year Annuity Rates in West Virginia

The current 5-year annuity rates available in West Virginia for 2025 are very competitive, averaging between 4.85% and 5.3% depending on the insurer and contract terms.

These rates beat most bank CDs and other conservative investment options, making them ideal for those who want growth without market exposure.

Long-Term 30-Year Fixed Annuities

Thirty-year annuities are designed for younger investors or for use in long-term financial planning. In 2025, 30-year fixed annuity rates in West Virginia range from 3.5% to 4.2%.

These annuities can serve as an income stream later in life or be used for legacy planning by providing guaranteed income for surviving spouses or heirs.

Strong 20-Year Fixed Annuity Options

A 20-year annuity offers a dependable income stream that lasts through two full decades of retirement. The best 20-year annuity rates in West Virginia range between 4.0% and 4.7% in 2025.

These annuities are well-suited for retirees looking to align annuity income with projected expenses, such as healthcare or long-term care, and are often used alongside Social Security.

Best Three-Year Fixed Annuity Rates

If you’re looking for short-term options, 3-year fixed annuities in West Virginia offer competitive returns between 4.0% and 4.6% in 2025.

These contracts are ideal for people saving for short-term goals, waiting to reinvest, or temporarily exiting the market. Providers like Sentinel Security Life and SILAC Insurance consistently offer favorable terms in this category.

Best Two-Year Fixed Annuities for Flexibility

For the shortest term available, 2-year fixed annuities provide liquidity and safety. In West Virginia, the best 2-year annuity rates are currently between 3.9% and 4.3%.

These annuities are commonly used to park funds while maintaining capital growth, with many offering penalty-free partial withdrawals during the term. Leading insurers include:

• Liberty Bankers Life

• Atlantic Coast Life

• SILAC Insurance Company

  
  

FINAL THOUGHTS

Annuity products in West Virginia offer a solid range of options for both short-term savers and long-term planners. Whether you're investing $10,000 or $100,000, there’s a contract designed to provide guaranteed returns and reliable income.

From 2-year conservative growth options to 30-year income strategies, West Virginia residents in 2025 are in a strong position to build financial security through annuities. Always compare quotes, use a state-specific calculator for accurate projections, and work with a trusted advisor. And when you need dependable financial resources or guidance on your next move, Alpha Book Publisher is here to support your journey, both financially and creatively.