MYGAFirst observed Jun 20, 2026
Secure Rate MYGA - availability removed
Heartland National Life Insurance Company - Product availability removed
No longer listed
CANNEX daily sync · Rates as of 2026-06-21
Annuity Rates Today
The top 5-year MYGA guaranteed rate is 6.65% from Atlantic Coast Life with AM Best B. Compare current rates and indexed crediting metrics — live from CANNEX, updated daily.
Live CANNEX rates
Top 5-year MYGA guaranteed rate
Atlantic Coast Life · AM Best B
6.65%
Top FIA cap metric
S&P 500 Index · Annual · AM Best A
14.00%
6.65%
Top 5-year MYGA guaranteed rate
5.03%
Average 5-year MYGA guaranteed rate
142
Products in current rate feeds
60
Carriers in current rate feeds
Today's best rates
Top annuity rates by product type
MYGA guaranteed rates
Best fixed annuity rates by term
Guaranteed rate · fixed account · top alternatives for 3-, 5-, and 7-year terms · as of 2026-06-21
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.03% Guaranteed rate · fixed account · 3-year | B |
| 3-year | 2 | Canvas Annuity Canvas Future Fund | 5.90% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 3 | Mountain Life Insurance Company Alpine Horizon | 5.75% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 4 | Wichita National Life Insurance Security MYGA | 5.70% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 5 | Sentinel Security Life Personal Choice Annuity | 5.70% Guaranteed rate · fixed account · 3-year | B |
| 5-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.55% Guaranteed rate · fixed account · 5-year | B |
| 5-year | 2 | Mountain Life Insurance Company Alpine Horizon | 6.10% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 3 | Wichita National Life Insurance Security MYGA | 6.10% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 4 | Canvas Annuity Canvas Future Fund | 6.00% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 5 | Gulf Guaranty Life Insurance Company Anchor MYGA | 6.00% Guaranteed rate · fixed account · 5-year | B++ |
| 7-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.99% Guaranteed rate · fixed account · 7-year | B |
| 7-year | 2 | Canvas Annuity Canvas Future Fund | 6.10% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 3 | Knighthead Life Staysail | 6.05% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 4 | Aspida Life Insurance Company Aspida Advisory MYGA | 6.05% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 5 | Wichita National Life Insurance Security MYGA | 5.95% Guaranteed rate · fixed account · 7-year | B+ |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each cap cohort · cap values above 20% are blocked · as of 2026-06-21
S&P 500 · 1-yr point-to-point
Cap rate
1A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
2A
Fidelity and Guaranty
FG AccumulatorPlus 10
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
3A
Fidelity and Guaranty
FG AccumulatorPlus 7
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
4B++
EquiTrust Life Insurance Company
MarketValue Index
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
5A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
6A
The Standard
Enhanced Choice Index Plus 7
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
7A-
Security Benefit Life Insurance Company
Strategic Growth Annuity
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
8A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 2 | Fidelity and Guaranty FG AccumulatorPlus 10 | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 3 | Fidelity and Guaranty FG AccumulatorPlus 7 | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 4 | EquiTrust Life Insurance Company MarketValue Index | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | B++ |
| 5 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 6 | The Standard Enhanced Choice Index Plus 7 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 7 | Security Benefit Life Insurance Company Strategic Growth Annuity | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A- |
| 8 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | A |
Source: CANNEX Financial Exchanges via AdvisorWorld public API, as of 2026-06-21. Rates vary by state, premium band, and issue age. FIA cap, participation, and performance-trigger tables rank only within a single index plus crediting-term cohort. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
Rate changes this week
FIAFirst observed Jun 19, 2026
MNL Endeavor 8 - Spread dropped
Midland National Life Insurance Company - Spread moved from 2.25% to 1.25%
S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index · Annual · 1-year term · Premium $75k-$100.0M
1.00%
2.25%to1.25%
FIAFirst observed Jun 19, 2026
MNL Endeavor 8 - Spread dropped
Midland National Life Insurance Company - Spread moved from 2.75% to 1.75%
S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index · Annual · 1-year term · Premium $0k-$75k
1.00%
2.75%to1.75%
FIAFirst observed Jun 19, 2026
MNL Endeavor 8 - Spread rose
Midland National Life Insurance Company - Spread moved from 2.20% to 3.00%
S&P 500 Low Volatility Daily Risk Control 8% USD Total Return Index · 2-Year · 2-year term · Premium $75k-$100.0M
80 bp
2.20%to3.00%
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
Annuity rates by product type
Live, not stale
Rates pull from CANNEX via AdvisorWorld and refresh daily.
Carrier strength shown
Rate rows include AM Best ratings so the yield and carrier tradeoff are visible.
Independent
We group guaranteed rates, caps, and participation metrics separately so comparisons stay honest.
Latest annuity reviews
All reviews →Annuity rates: FAQ
What are current annuity rates?
Annuity rates vary by product type, term, state, and carrier. This page shows current MYGA guaranteed rates and fixed indexed annuity crediting metrics refreshed from CANNEX, with carrier ratings shown next to rate data.
What are the best annuity rates today?
The top guaranteed MYGA rate is shown with the carrier and AM Best rating. Fixed indexed annuity caps and participation rates are labeled separately because they are crediting metrics, not guaranteed fixed rates.
How are annuity rates set?
Fixed MYGA rates are declared by the carrier for a guarantee term. Fixed indexed annuity outcomes are governed by caps, participation rates, spreads, indexes, and crediting periods, all of which can change.
Are annuity rates going up or down?
Rates move as carriers reprice. The rate-movement module shows recent public changes detected from the CANNEX daily refresh when available.