Buy Insured Gives Savers a Guaranteed Fixed-Rate Alternative to Bank CDs
Led by 45-year industry veteran Tom Enstice, the Linwood, N.J. agency compares fixed annuity rates from 55+ insurance carriers so savers can lock in a guaranteed rate for 2 to 10 years.
Key points
- Multi-year guaranteed annuities lock in a fixed rate for 2 to 10 years with no market exposure.
- Buy Insured compares rates from 55+ insurance carriers and serves savers in all 50 states.
- Interest grows tax-deferred, unlike a bank CD.
LINWOOD, N.J., [Month Day, 2026] – Buy Insured, an independent fixed annuity agency led by Tom Enstice, is helping savers who want more than a bank CD offers lock in a guaranteed rate backed by an insurance company. The agency compares multi-year guaranteed annuity (MYGA) rates from 55+ carriers, with guarantee terms from 2 to 10 years. Current guaranteed rates reach 6.25% for a 10-year term and 6.15% for 5 years, compared with a national average CD rate of [X.XX]% [source, date].
A multi-year guaranteed annuity works much like a CD. The saver makes a single deposit, the insurance company guarantees a fixed rate for the full term, and the money grows at that locked rate with no exposure to the market. Unlike a CD, interest grows tax-deferred until it is withdrawn.
“Preservation of capital with protected growth is the core mission.”Tom Enstice, Principal and Founder, Buy Insured
Enstice has worked in investment services since 1977, including 38 years as a First Vice President at Morgan Stanley, before moving to the independent side of the business. As an independent agency, Buy Insured is not tied to one company’s products and can match each client with the carrier and term that fit their goals.
What savers get
- A guaranteed rate locked for the full term, unaffected by the stock market.
- Principal protection backed by the issuing insurance company.
- Tax-deferred growth until funds are withdrawn.
- A choice of 55+ carriers and terms from 2 to 10 years, with a reinvest or income option.
- An online rate calculator at BuyInsured.org that shows guaranteed rates by state and term before a saver talks to anyone.
Buy Insured serves savers in all 50 states. Savers can see today’s rates and request a confirmed quote at BuyInsured.org or by calling (609) 927-4700.
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About Buy Insured
Buy Insured is an independent fixed annuity agency based in Linwood, New Jersey, and a wholly owned subsidiary of Coastal Financial Group, an independent wealth and risk management firm on the South Jersey Shore. Led by Tom Enstice, the agency compares insured fixed-rate annuities from 55+ carriers to help savers protect principal and grow at a guaranteed rate. Learn more at BuyInsured.org.
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Annuities are insurance products, not bank deposits. They are not FDIC insured and not guaranteed by any bank or federal agency. Guarantees are backed by the claims-paying ability of the issuing insurance company. Rates vary by state, carrier and deposit amount and are subject to change. Withdrawals before the end of the term may be subject to surrender charges, and withdrawals before age 59½ may be subject to a 10% IRS penalty.