FIAFirst observed Jul 24, 2026
Target Income Choice - availability removed
Delaware Life - Product availability removed
No longer listed
CANNEX data · Rates as of 2026-07-24
Annuity Rates, Verified as of July 24, 2026
The top 5-year MYGA guaranteed rate is 7.45% from Atlantic Coast Life with AM Best B. Compare rates and indexed crediting metrics with the true source date shown above.
CANNEX rates
Top 5-year MYGA guaranteed rate
Atlantic Coast Life · AM Best B
7.45%
Top FIA cap metric
S&P 500 · 1-yr point-to-point
14.00%
7.45%
Top 5-year MYGA guaranteed rate
5.14%
Average 5-year MYGA guaranteed rate
525
Products in rate feeds
66
Carriers in rate feeds
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 2026-07-24
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | 5.80% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 2 | 5.50% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 3 | 5.45% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 4 | 5.45% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 5 | 5.40% Guaranteed rate · fixed account · 3-year | A- | |
| 5-year | 1 | 6.45% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 2 | 5.85% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 3 | 5.80% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 4 | 5.75% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 5 | 5.65% Guaranteed rate · fixed account · 5-year | A- | |
| 7-year | 1 | 6.80% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 2 | 6.05% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 3 | 5.70% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 4 | 5.60% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 5 | 5.55% Guaranteed rate · fixed account · 7-year | A+ |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each cap cohort · cap values above 20% are blocked · as of 2026-07-24
Annual feeCANNEX strategies without a positive fee tier are classified as no-fee.
S&P 500 · 1-yr point-to-point
Cap rate
1A
5-year surrender
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
2A
10-year surrender
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
3A-
7-year surrender
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
4A-
10-year surrender
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
5A
7-year surrender
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
6A-
10-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
7A-
5-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
8A
7-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
9A+
10-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
10A
14-year surrender
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
| 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 | None | A- |
| 4 | 10-year surrender | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A- |
| 5 | 7-year surrender | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 10-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | None | A- |
| 7 | 5-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | None | A- |
| 8 | 7-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 9 | 10-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | None | A+ |
| 10 | 14-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of 2026-07-24. 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.
Rate changes this week
FIAFirst observed Jul 24, 2026
Target Growth 10 - availability removed
Delaware Life - Product availability removed
No longer listed
FIAFirst observed Jul 24, 2026
Growth Pathway - availability removed
Delaware Life - Product availability removed
No longer listed
FIAFirst observed Jul 24, 2026
Retirement Stages Select - availability removed
Delaware Life - Product availability removed
No longer listed
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
Annuity rates by product type
Verified as of
Rates show the last grounded CANNEX observation date and remain available during upstream outages.
Carrier strength shown
Rate listings include AM Best ratings so the rate and carrier tradeoff are visible.
Independent
We group guaranteed rates, caps, and participation metrics separately so comparisons stay honest.
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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.