Retirement Products


Current Interest Rates

We offer several annuity products to help plan for your retirement, including traditional IRAs, Roth IRAs, and non-qualified annuities. These annuities can be opened as a Single Premium Deferred Annuity (SPDA) or a Flexible Premium Deferred Annuity (FPDA) depending on the way the contributions are made.

Current Rate

Each contribution you make has its own interest rate. The contribution amount will earn interest at this rate for the next 12 months.

Interest rates vary depending on the type of annuity and the date of purchase.

Product Current Rate1
Single Premium Deferred Annuity 2.75%
Flexible Premium Deferred Annuity 2.50%
1Current interest rates are subject to change without notice.

Guaranteed Rate

Guaranteed rates apply to both Single Premium Deferred Annuities and Flexible Premium Deferred Annuities. The interest rate you earn will never fall below the guaranteed rate.

State Guaranteed Rate1
All states 1.00%
1Guaranteed rates are subject to government regulations and/or policy limitations.

Amica Life Customers

To view interest rates on your current policies, log in to Your Account and click on the 'Life Interest Rates' link.


Not available in all states. Before purchase of an IRA, you should consult with your tax advisor to ensure that you have selected the best options for your retirement. Guaranteed returns are based on claims-paying rating of your insurer. Fixed annuities are not insured or guaranteed by any agency that insures deposits.