Retirement Products


Current Interest Rates

Amica offers several annuity products* to help plan for your retirement, including Traditional IRAs and Roth IRAs. 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 2.50%
Flexible Premium Deferred Annuity 2.25%
1Current Interest rates are effective April 1, 2014 to April 30, 2014, and 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
Mississippi, New Jersey, Pennsylvania, Wyoming 1.50%
All other states 1.00%
1Guaranteed rates are subject to government regulations and/or policy limitations.

Single Premium Deferred Annuity

With a Single Premium Deferred Annuity*, in most states, an individual can make contributions for a limited amount of time, with a minimum initial contribution of $5,000. These tax-deferred funds can later be used for lifelong distributions to the policyholder. An SPDA can be an ideal outlet for existing IRA funds, pensions or profit-sharing plans.

Flexible Premium Deferred Annuity

A Flexible Premium Deferred Annuity* accumulates funds for a long-term period and offers the convenience to make contributions as frequently as you wish, within certain limits. These contributions accumulate tax-deferred and can be opened with a minimum contribution of $50.

For information on interest rates on existing contracts or for life product information, call a Life representative at 800-234-5433.

Amica Life Customers

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


We are licensed in all states (except Hawaii) and the District of Columbia.

*Not available in all states.