Ratings last updated July 30, 2026
American Century Life Insurance Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of B++ (Good).
AM Best assigns American Century Life Insurance Company a financial-strength rating of B++, which sits in its "Good" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. A B++ reflects AM Best's assessment that the company has a good ability to meet those obligations, a solid rating that sits one tier below the "Excellent" (A) range. Ratings can change; the rating shown here was last checked July 30, 2026.
American Century Life lists six multi-year guaranteed annuities (MYGAs) on AnnuaLife, its American Freedom and American Spirit series. Rates below are examples as of July 30, 2026 and vary by state.
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| American Freedom Max Growth 3 | 3 yr | 5.60% | $5,000 | View |
| American Spirit SPDA - 3 Interest Only | 3 yr | 5.55% | $2,000 | View |
| American Freedom Max Growth 5 | 5 yr | 6.00% | $5,000 | View |
| American Freedom Max Growth 7 | 7 yr | 6.00% | $5,000 | View |
| American Freedom Max Growth 10 | 10 yr | 6.05% | $5,000 | View |
| American Spirit SPDA - 10 Interest Only | 10 yr | 5.85% | $2,000 | View |
Sources: American Century Life, Annuity Expert Advice. Company facts last checked July 30, 2026.
American Century Life is a smaller carrier that posts competitive MYGA rates, up to 6.05% on its American Freedom series at the time of writing, with unusually low minimums that start at $2,000 on the American Spirit contracts. All of it comes paired with a B++ ("Good") AM Best rating, one tier below the "Excellent" A-range carriers. That is a tradeoff, not a flaw: you may pick up a little yield and a low entry point versus an A-rated carrier while accepting a rating one notch lower. An advisor can weigh the rate and the rating for your timeline.
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