Annuity Rates — Compare Today's Best Rates Across Carriers
Side-by-side comparison of 478+ annuity products from 51 carriers. MYGA guaranteed rates, FIA cap rates, carrier ratings — all sourced from CANNEX.
Top 5-Year Guaranteed Rates
MYGAAlpine Horizon
6.35%
B+Anchor MYGA
6.30%
B++Security MYGA
6.25%
B+Personal Choice Annuity
6.25%
BDirectGrowth MYGA
6.00%
B++Trusted Carriers
6.35%
Best 5-Yr MYGA
4.89%
Avg 5-Yr MYGA
13.00%
Best S&P 500 Cap
478+
Products Tracked
91
Rated Carriers
MYGA Rate Comparison
Top 15 multi-year guaranteed annuity rates, sorted by 5-year rate. Click any row to expand. Rates as of May 14, 2026.
| Carrier | Product | 3-Year | 5-Year | 7-Year | AM Best | |
|---|---|---|---|---|---|---|
| Mountain Life Insurance Company | Alpine Horizon | 6.00% | 6.35% | -- | B+ | |
| Gulf Guaranty Life Insurance Company | Anchor MYGA | -- | 6.30% | 6.30% | B++ | |
| Sentinel Security Life | Personal Choice Annuity | 6.00% | 6.25% | 6.25% | B | |
| Wichita National Life Insurance | Security MYGA | 5.85% | 6.25% | 6.10% | B+ | |
| Revol One Financial | DirectGrowth MYGA | 5.55% | 6.00% | 6.00% | B++ | |
| Atlantic Coast Life | Safe Harbor Bonus Guarantee | 5.79% | 5.91% | 5.89% | B | |
| Revol One Financial | DirectGrowth MYGA California | 5.45% | 5.90% | 5.90% | B++ | |
| Baltimore Life Companies | IQumulate Single Premium Deferred Annuity | 5.35% | 5.80% | 5.80% | B++ | |
| NexAnnuity | Nex MYGA | 5.75% | 5.75% | 5.00% | B+ | |
| Mountain Life Insurance Company | Secure Summit | 5.75% | 5.75% | 5.75% | B+ | |
| Heartland National Life Insurance Company | Secure Rate MYGA | 5.40% | 5.75% | 5.80% | B++ | |
| Axonic Insurance Services | Waypoint MYGA | 5.45% | 5.70% | 5.50% | A- | |
| Farmers Life Insurance Company | Safeguard Plus | 5.30% | 5.65% | 5.60% | B++ | |
| Knighthead Life | Staysail | 5.31% | 5.63% | 5.50% | A- | |
| Axonic Insurance Services | Incline MYGA | 5.25% | 5.55% | 5.25% | A- |
Rates sourced from CANNEX. Subject to change.
View all ratesTop FIA Cap Rates
Best S&P 500 annual point-to-point cap rates. Rates as of May 14, 2026.
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
100% participation
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
100% participation
The Standard
Enhanced Choice Index Plus 7
100% participation
EquiTrust Life Insurance Company
MarketValue Index
100% participation
American Equity Investment Life Insurance Company
American Equity AssetShield 10
100% participation
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Compare by Product Type
Every major annuity category with current rate data
Multi-Year Guaranteed Annuity
Guaranteed fixed rates for 3, 5, or 7 years. No market risk. The simplest annuity: deposit, earn interest, withdraw.
6.35%
Best 5-year rate
Fixed Indexed Annuity
Index-linked returns with principal protection.
Immediate Annuity
Lump sum → guaranteed income within one year.
Deferred Income / QLAC
Lock in future income. QLACs reduce RMDs.
91 Carriers Rated
AM Best, S&P, Moody's, and Fitch ratings for every carrier. Financial strength assessments and product lineups.
Annuity Reviews
In-depth analysis of individual annuity products
Rate data sourced from CANNEX Financial Exchanges. Carrier ratings from A.M. Best, Standard & Poor's, Moody's, and Fitch. All rates subject to change and should be verified directly with carriers.
Rates effective: May 14, 2026