Fixed Annuities for Wisconsin Retirees & Conservative Savers

Looking for a steady, low-risk way to grow your money or lock in retirement income? Fixed annuities offer guaranteed returns and peace of mind for Wisconsin residents—whether you’re saving for the future or ready to turn your nest egg into predictable monthly income.



From Brookfield to Milwaukee and beyond, we help individuals understand if a fixed annuity makes sense for their financial plan.

What Is a Fixed Annuity?

A fixed annuity is an insurance product that pays you a guaranteed interest rate over a set period. Think of it like a CD alternative, but with added tax advantages and potential retirement income options.


You can buy a fixed annuity with a single lump sum or through a series of payments. Over time, your money grows at a guaranteed rate, and you can choose to take income from it later—or immediately, depending on the type of annuity.

Types of Fixed Annuities

  • Deferred Fixed Annuities

    These are the most common. You invest money for a guaranteed period—typically 3, 5, or 10 years—and earn interest along the way. Also known as MYGAs (Multi-Year Guaranteed Annuities), they’re great for people who want to avoid market risk but still want better returns than a savings account.

    • Guaranteed interest rate for a set term
    • Tax-deferred growth until withdrawal
    • Ideal for conservative investors

  • Immediate Fixed Annuities

    If you’re retiring and want to turn your savings into income right away, an immediate annuity converts a lump sum into a monthly payout for life—or a set number of years.

    • Income starts right away (often within 30 days)
    • Customizable payout options: lifetime, joint, or period certain
    • Often used to create a stable retirement income floor

Why People in Wisconsin Choose Fixed Annuities

  • Retirees

    Looking for guaranteed income in retirement

  • CD Buyers

    Wanting better rates than the bank, without stock market risk

  • Pre-Retirees

    Locking in today’s rates while they’re still working

  • Estate Planners

    Using annuities as part of a broader financial strategy

With today’s market volatility, many Wisconsin residents are turning to annuities for financial stability—especially near retirement.

FAQs About Fixed Annuities

  • What is the current interest rate on fixed annuities?

    Rates vary depending on term length and insurer. Contact us for today’s best MYGA and deferred fixed annuity rates available in Wisconsin.

  • Are fixed annuities FDIC insured?

    No, they aren’t FDIC insured like bank accounts. But they are backed by the issuing insurance company and regulated by Wisconsin’s insurance department. State guaranty associations provide additional protection, up to certain limits.

  • Can I withdraw money early?

    Most fixed annuities have a surrender period—usually 3 to 10 years—during which early withdrawals may be penalized. Some allow limited penalty-free access each year.

  • Is a fixed annuity a good investment for retirement?

    It depends on your goals. If you value predictable growth, tax deferral, and guaranteed income, a fixed annuity might fit. We’ll help you compare options and understand how it works in your overall retirement plan.

  • Do annuities replace Social Security or pensions?

    No, but they can supplement your income and fill in the gaps. Many Wisconsin retirees use annuities to cover fixed monthly expenses like housing, food, or healthcare.

Let’s Talk About Your Options

Not every retirement strategy needs to involve stock market risk. Fixed annuities offer a guaranteed way to grow your savings or receive income, without daily market swings.



Let’s review the available options and get you today’s best annuity rates in Wisconsin—no pressure, no jargon, just real answers.