What’s a good annuity rate in 2026?

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September 8, 2026 / 2:51 PM EDT / CBS News

No matter how well you prepare, the retirement planning process comes with lots of unknowns, from how long your savings need to last to what your investment returns may look like from one year to the next. That uncertainty can make retirement products with guaranteed returns, like annuities, particularly appealing, especially for retirees and those approaching retirement who want to ensure that they have a source of predictable income in their financial plan.

And right now, the interest rate environment is giving annuity shoppers even more to consider. After all, longer-term yields remain elevated, despite the ongoing questions about where rates could be headed next. That broader rate environment has also helped keep yields on certain fixed-income products relatively high compared with the ultra-low-rate environment of several years ago.

But simply finding an annuity advertising a high percentage doesn't necessarily mean you've found a good deal. Annuity rates vary substantially by product, term, insurer and contract provisions, and the highest advertised rate may come with tradeoffs that matter just as…

Original source: https://www.cbsnews.com/moneywatch/