Are annuity rates still going up in 2026? The answer depends entirely on which type of annuity you are buying. If you want to maximize your retirement income, you need to understand exactly where the market is peaking before you lock your money into a contract.

In this unfiltered market update, Shawn from The Annuity Expert breaks down the current interest rate environment. For Multi-Year Guaranteed Annuities (MYGAs), rates have largely plateaued between 5% and 6%. Shawn warns against chasing slightly higher yields from "teeny tiny" B-rated insurance companies that have fewer employees than a fast-food restaurant, as the risk is simply not worth the extra fraction of a percent.

However, Fixed Index Annuities (FIAs) and Guaranteed Lifetime Withdrawal Benefits (GLWBs) are currently seeing massive rate increases. Cap rates, participation ...