People often call in and ask what the best rates is right now (8-30-10).  Unfortunately most people are hoping for 4%-5% on some 5 year product.  They are often let down when I tell them that realistically if they want a Multi-Year Guaranteed Annuity or CD Type annuity that they are going to have to settle for somewhere in the range of 3% - 3.5% depending upon their state of residency.  After I mention what our rates are for those CD Type annuities I then start to talk about the case for Fixed Indexed Annuities.    To read more see our new article The Case for Fixed Indexed Annuities.