CANNEX data · Rates as of 2026-08-26
Annuity Rates, Verified as of August 26, 2026
The top 5-year MYGA guaranteed rate is 6.30% from Mountain Life Insurance Company with AM Best B+. Compare rates and indexed crediting metrics with the true source date shown above.
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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 2026-08-26
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | 5.65% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 2 | 5.50% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 3 | 5.50% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 4 | 5.45% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 5 | 5.45% Guaranteed rate · fixed account · 3-year | A | |
| 5-year | 1 | 6.15% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 2 | 5.90% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 3 | 5.85% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 4 | 5.75% Guaranteed rate · fixed account · 5-year | A | |
| 5-year | 5 | 5.75% Guaranteed rate · fixed account · 5-year | A- | |
| 7-year | 1 | 6.35% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 2 | 5.90% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 3 | 5.90% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 4 | 5.85% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 5 | 5.75% Guaranteed rate · fixed account · 7-year | A- |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each comparable cap-rate cohort · as of 2026-08-26
S&P 500 · 1-yr point-to-point
Cap rate
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 2 | 10-year surrender | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 3 | 7-year surrender | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 4 | 7-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 5 | 14-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A++ | |
| 7 | 10-year surrender | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 8 | 10-year surrender | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | 0.95% | A- |
| 9 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | None | A | |
| 10 | 10-year surrender | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | 1.50% | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of 2026-08-26. Rates vary by state, premium band, and issue age. Standard FIA cap, participation, and performance-trigger tables rank recognizable public benchmark indexes only, and only within a single index plus crediting-term cohort. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
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All reviews →Annuity rates: FAQ
What annuity rates are shown?
Annuity rates vary by product type, term, state, and carrier. This page shows MYGA guaranteed rates and fixed indexed annuity crediting metrics from CANNEX, with the true source date and carrier ratings next to the data.
What are the best annuity rates?
The top guaranteed MYGA rate in the source 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.