Best Annuity Rates in Louisiana

Annuity LockReviewed by Our TeamUpdated June 3, 2026

As of June 3, 2026, fixed annuities in Louisiana are offering guaranteed rates as high as 6.25%, based on Annuity Lock's latest survey of insurance carriers licensed in Louisiana. Fixed index annuities in Louisiana offer market-linked growth potential with a guaranteed principal floor, so your savings can grow when markets rise and stay protected when they fall.

Fixed Index Annuities

Oceanview

Harbourview 10

Oceanview · A

Term
10yr
$100,000
Projected Value
$242,695
+142.7%
The Standard

Index Select Annuity 10

The Standard · A

Term
10yr
$100,000
Projected Value
$228,014
+128.0%
Silac

Teton 14

Silac · B

Term
14yr
$100,000
Projected Value
$210,098
+110.1%
Oceanview

Harborview 7

Oceanview · A

Term
7yr
$100,000
Projected Value
$197,709
+97.7%
The Standard

Index Select Annuity 7

The Standard · A

Term
7yr
$100,000
Projected Value
$188,945
+88.9%
EquiTrust

Market Value Index

EquiTrust · B++

Term
10yr
$100,000
Projected Value
$181,975
+82.0%

Fixed Annuities

Sentinel Security Life

Personal Choice Annuity 5

Sentinel Security Life · B

Rate / Term
6.25%/ 5 yr
$100,000
Projected Value
$135,408
+35.4%
Sentinel Security Life

Personal Choice Annuity 3

Sentinel Security Life · B

Rate / Term
6.00%/ 3 yr
$100,000
Projected Value
$119,102
+19.1%
American Life

American Classic 5

American Life · B++

Rate / Term
5.45%/ 5 yr
$100,000
Projected Value
$130,387
+30.4%
Nassau Life and Annuity

Nassau Simple Annuity 6

Nassau Life and Annuity · B++

Rate / Term
5.25%/ 6 yr
$100,000
Projected Value
$135,935
+35.9%
Sagicor Life

Milestone Max 6

Sagicor Life · A-

Rate / Term
5.25%/ 6 yr
$100,000
Projected Value
$135,935
+35.9%
Oceanview

Harbourview 4

Oceanview · A

Rate / Term
5.20%/ 4 yr
$100,000
Projected Value
$122,479
+22.5%

Why Trust Our Data?

Carrier Independence

We provide objective comparisons across multiple top-rated carriers without bias toward specific commission structures.

Financial Strength Focus

We prioritize products from financially stable carriers with strong AM Best ratings to help protect your principal.

Accurate Projections

Our projections use current rates and guaranteed yield structures to show realistic portfolio growth potential.

Frequently Asked Questions

What is a fixed annuity?
A fixed annuity is an insurance contract that pays a guaranteed interest rate on your contribution for a set term. Your principal is fully protected and cannot decrease due to market performance, making fixed annuities one of the safest ways to grow savings with predictable, tax-deferred returns.
What is a fixed index annuity?
A fixed index annuity links your growth potential to a market index such as the S&P 500 while guaranteeing your principal against loss. When the index rises, you earn a portion of the gain up to a cap or participation rate. When it falls, your account value stays flat, so you get market upside without the downside risk.
Are annuity rates guaranteed?
Fixed annuity rates are contractually guaranteed by the issuing insurance carrier for the full term. Fixed index annuity floors are also guaranteed (typically 0%), meaning your account value can never decrease due to index performance. We display each carrier's AM Best rating, an independent measure of financial strength, so you can assess the carrier's ability to fulfill those guarantees.
How much do I need to invest in an annuity?
Most annuities listed on Annuity Lock have minimum premiums of $10,000 to $25,000. Some carriers offer better rates at higher investment bands such as $100,000 or more. The projected values shown use a $100,000 starting amount by default, but you can adjust this when you request a quote.
What does the AM Best rating mean?
AM Best is an independent rating agency that evaluates the financial strength of insurance carriers. A rating of A- or better indicates strong financial health and a solid ability to meet policyholder obligations. We only display products from carriers rated A- or better to help protect your investment.
Is an annuity right for me?
Annuities are well-suited for savers within 5 to 15 years of retirement who want guaranteed growth without stock market risk. If you're looking to protect a portion of your portfolio while still earning competitive returns, a fixed or fixed index annuity may be worth exploring. Speaking with a licensed financial advisor can help you determine the right fit for your situation.

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