Best Annuity Rates in Wisconsin

Monthly Income from a $100,000 Annuity in Wisconsin

The monthly income from a $100,000 annuity in Wisconsin depends on a few key factors, including your age, whether the annuity is immediate or deferred, and the length of the payout period. For a 65-year-old choosing an immediate fixed annuity, the typical monthly income ranges from $500 to $600. A single-life annuity will yield higher payments compared to a joint-life or inflation-adjusted option. If you defer payments for several years, the monthly amount can increase significantly due to interest accumulation.

Providers Offering the Highest Annuity Payouts

Several top-tier insurers consistently offer the highest paying annuity options in Wisconsin. These companies combine competitive rates with strong financial ratings and flexible policy features. According to financial analysts and consumer reviews, Alpha Book Publisher recommends:

• MassMutual

• Athene

• New York Life

• Fidelity & Guaranty Life

• Allianz Life

  
  

These providers are known for high fixed annuity rates and customizable income solutions, including lifetime income options, guaranteed periods, and inflation protection riders.

Monthly Payout from a $1,000,000 Annuity

A $1,000,000 annuity offers substantial income in retirement. In Wisconsin, a 65-year-old purchasing an immediate single-life annuity might receive monthly payments between $5,000 and $6,300, depending on features such as joint payout options, inflation adjustments, and deferred start dates. Choosing to defer income for 5–10 years will increase monthly income further. These payouts are ideal for retirees seeking predictable cash flow and principal protection without market exposure.

Income from a $300,000 Annuity in Wisconsin

A $300,000 annuity is a solid mid-tier investment that can provide reliable supplemental retirement income. For a 65-year-old in Wisconsin choosing an immediate fixed annuity, monthly income generally falls between $1,500 and $1,850. Adding a joint-life rider or inflation-adjusted feature can reduce the starting payout, but those options offer more protection over time. Deferred annuities provide even higher future income if allowed to accumulate interest before withdrawals begin.

Best 5-Year Fixed Annuity Rates in Wisconsin

Five-year fixed annuities offer a balanced option between short-term liquidity and long-term returns. In Wisconsin, the top 5-year fixed annuity rates for 2025 range from 5.30% to 5.45%. These annuities guarantee a set interest rate over five years and often come with features such as 10% annual penalty-free withdrawals and tax-deferred growth. Top providers include:

• Delaware Life

• Oceanview Life

• Sentinel Security Life

• Midland National

  
  

These contracts are perfect for individuals nearing retirement or rolling over funds from a CD or 401(k).

Wisconsin-Based Annuity Calculators for Income Planning

To get a clearer picture of potential earnings and income projections, residents can use a Wisconsin-specific annuity calculator. These tools allow you to input your investment amount, age, payout duration, and type of annuity to estimate monthly income. Some calculators even compare options across multiple insurers. Alpha Book Publisher recommends tools offered by financial planners or insurance platforms that factor in Wisconsin’s state tax rules and insurance regulations to deliver the most accurate results.

Highest-Yielding 10-Year Fixed Annuity Rates

For longer-term savers, 10-year fixed annuities in Wisconsin are offering rates between 5.50% and 5.65% in 2025. These annuities lock in a high guaranteed return for a decade, making them an ideal choice for conservative investors planning ahead for retirement. Insurers such as American Equity, Athene, and North American provide strong 10-year contracts with optional benefits like death benefit protection, free withdrawals, and future income riders.

Best 2-Year Fixed Annuity Rates in Wisconsin

Short-term investors looking for flexibility and safety may opt for a 2-year fixed annuity. While these are less common than 3- or 5-year options, several providers in Wisconsin offer rates between 4.85% and 5.00%. These annuities are good alternatives to CDs and are often used to park funds during periods of market uncertainty. Trusted providers include:

• Atlantic Coast Life

• Liberty Bankers Life

• SILAC Insurance

  
  

These companies offer low fees, fixed returns, and some liquidity through annual free withdrawal features.

30-Year Annuity Options for Long-Term Income

A 30-year annuity is a rare but powerful financial tool for long-term planners. Structured for fixed payouts or deferred income, a $1 million investment in a 30-year annuity may pay out between $4,200 and $5,200 per month, depending on the chosen structure and features. For deferred options, these annuities can deliver strong compound growth over time with interest rates averaging 4.75% to 5.25%. Companies like New York Life, Protective Life, and Lincoln Financial specialize in long-term annuities with customization for estate planning or legacy purposes.

Best 20-Year Annuity Plans in Wisconsin

A 20-year annuity provides a stable income over two decades and is a popular choice for those looking to cover a specific retirement window. For example, a $500,000 investment could yield monthly payments between $2,800 and $3,200, depending on contract details. Deferred 20-year fixed annuities also offer excellent growth opportunities, with 2025 rates ranging from 5.25% to 5.50%. Leading insurers such as Guardian Life, Mutual of Omaha, and MassMutual Ascend offer flexible terms, guaranteed income, and optional inflation-adjusted payments.

Best 3-Year Fixed Annuity Rates in Wisconsin

Three-year fixed annuities continue to offer excellent returns with short-term flexibility. In Wisconsin, top 3-year fixed annuity rates range from 5.00% to 5.25% in 2025. These contracts are ideal for individuals waiting for market stabilization or preparing for a major purchase. Reputable companies like SILAC, EquiTrust, and Liberty Bankers Life lead the market with contracts offering competitive returns, low fees, and limited access to funds during the term.

Current 5-Year Annuity Rates in Wisconsin

As of this year, the current 5-year annuity rates in Wisconsin remain highly attractive, hovering between 5.30% and 5.45%. These contracts offer a combination of safety, predictability, and moderate commitment. Many insurers allow for free partial withdrawals, beneficiary designations, and even enhanced payout options in cases of terminal illness or nursing home confinement. These features make the 5-year annuity a versatile tool for both retirement planning and medium-term financial strategies.

FINAL THOUGHTS

Wisconsin residents in 2025 are well-positioned to take advantage of some of the strongest annuity rates available in decades. Whether you're investing $50,000 or $1 million, the right annuity can provide dependable income, tax advantages, and peace of mind. With highly rated providers offering contracts ranging from 2 to 30 years, there’s a solution for every stage of retirement planning. Alpha Book Publisher encourages working with trustworthy, top-rated insurers and using detailed calculators to tailor your annuity strategy to your unique financial goals.