Based on your answers, the product that best suits your financial goals is the Preserve Multi-Year Guaranteed Annuity from Clear Spring Life and Annuity Company.  This single premium, deferred annuity is a product that, for a single investment, earns a fixed rate of interest allowing your money to grow on a tax deferred basis until you decide to begine receiving annuity payments.  Offering multiple guaranteed rate periods, from 3 years to 10 years, to align with your specific needs, interest-only payments, and a 10% penalty-free withdrawal each year beginning in the second year.  
This annuity guarantees the interest rate for the entire guarantee period.