BackNine's Annuity Market Report, November 2025 - Top Rates and Benefits

If you’re still treating annuities as a niche tactical play, it’s time to rethink—fast. The U.S. individual-annuity market just hit a new milestone: total sales surged to $119.5 billion in Q3 2025, up 8% versus a year ago. We’re on track for a fourth consecutive year of record annuity sales, with LIMRA projecting year end results north of $450 billion.
 
In plain English: the annuity market is no longer just growing—it’s booming.
 
Why It Matters for You and Your Clients:

• Recent Fed actions have increased the relative value of MYGAs. With fixed-rate deferred annuity (FRD) sales nearly doubling their 2024 totals, advisors should see a clear signal from their clients that there’s a desire for protection, tax-deferral, and guaranteed growth.
• More advanced options like fixed-indexed annuities (FIAs) hit $32.8 billion in Q3 (up 5%), driven by clients desire for protection against market volatility and guaranteed lifetime income.

These numbers reflect more than just higher interest rates—they represent a shift in investor mindset. Clients are waking up to the need for protected growth and guaranteed lifetime income, not just pure accumulation.
 
What This Means for Your Funnel: As an advisor affiliated with the BackNine network, you’re in the right place at the right time. With the market in motion and clients suddenly asking, “What’s the best way to lock in income for life?”, you can step in with a compelling call to action: “Let’s protect your assets and build your income floor before the next market turn.”
 
Click here to download BackNine’s annuity highlights for November 2025