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How to Get 7.75% Returns With Fixed Annuities

A plain-English guide for retirees who want growth without market risk.

By Andrew Cavasino, Certified Financial Fiduciary

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About the author

Andrew Cavasino is a Series 65 Certified Financial Fiduciary and a dual-licensed insurance and securities advisor. He has helped hundreds of retirees compare fixed annuity rates across every major carrier and choose contracts built around their income needs.

What you'll learn

  • Where the 7.75% figure comes from and what it actually applies to
  • The difference between a rate, a bonus, a cap, and a roll-up
  • How multi-year guaranteed annuities (MYGAs) lock in your rate
  • Which carriers are currently posting the strongest fixed rates
  • Surrender schedules and how to keep your money accessible
  • The questions to ask before you sign any annuity contract
"I had no idea the rate I was quoted was not the rate I would actually earn. This guide explained it in ten minutes."

Linda R., retired, age 68

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Rates referenced are illustrative and vary by carrier, state, and term.

© 2026 Superb Assets. Educational content only; not financial advice.