FIAFirst observed May 22, 2026
American Legend 7 - Cap rate dropped
MassMutual Ascend Life Insurance Company - Cap rate moved from 13.50% to 13.25%
25 bp
13.50%to13.25%
Live rates · as of May 23, 2026
Annuity Rates — Compare Today's Best Rates Across Carriers
Side-by-side comparison of 138+ annuity products from 11 carriers. MYGA guaranteed rates, FIA cap rates, carrier ratings — all sourced from CANNEX.
91 rated carriers 138+ products CANNEX data
Top 5-Year Guaranteed Rates
MYGA1
Mountain Life Insurance Company
Alpine Horizon
6.35%
B+2
Knighthead Life
Staysail
6.30%
A-3
Gulf Guaranty Life Insurance Company
Anchor MYGA
6.30%
B++4
Sentinel Security Life
Personal Choice Annuity
6.25%
B5
Wichita National Life Insurance
Security MYGA
6.25%
B+$136,047 projected on $100K
All rates Trusted Carriers
6.35%
Best 5-Yr MYGA
4.91%
Avg 5-Yr MYGA
13.00%
Best S&P 500 Cap
138+
Products Tracked
91
Rated Carriers
CANNEX daily sync
Latest Annuity Rate Changes
Significant public rate moves detected in the last 7 days.
FIAFirst observed May 22, 2026
Strategy Indexed Plus 7 - Participation rate rose
American National Insurance Company - Participation rate moved from 100.00% to 105.00%
5.00%
100.00%to1.05%
FIAFirst observed May 22, 2026
American Equity IncomeShield Bonus 10 - Participation rate added
American Equity Investment Life Insurance Company - Participation rate added at 100.00%
Nasdaq Premier Index · Annual · 1-year term · Premium $0k-$100.0M
Availability
FIAFirst observed May 22, 2026
American Equity AssetShield 5 - Cap rate added
American Equity Investment Life Insurance Company - Cap rate added at 6.00%
Dow Jones Industrial Average · Annual · 1-year term · Premium $0k-$100.0M
Availability
MYGA Rate Comparison
Top 15 multi-year guaranteed annuity rates, sorted by 5-year rate. Click any row to expand. Rates as of May 23, 2026.
| Carrier | Product | 3-Year | 5-Year | 7-Year | AM Best | |
|---|---|---|---|---|---|---|
| Mountain Life Insurance Company | Alpine Horizon | 6.00% | 6.35% | -- | B+ | |
| Knighthead Life | Staysail | 5.60% | 6.30% | 6.50% | A- | |
| 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++ | |
| Mountain Life Insurance Company | Secure Summit | 5.75% | 5.75% | 5.75% | B+ | |
| NexAnnuity | Nex MYGA | 5.75% | 5.75% | 5.00% | B+ | |
| Heartland National Life Insurance Company | Secure Rate MYGA | 5.40% | 5.75% | 5.80% | B++ | |
| CL Life and Annuity Insurance Company | CL Sundance | 5.50% | 5.70% | -- | 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++ |
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 23, 2026.
13.00%A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
12.00%A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.00%A
The Standard
Enhanced Choice Index Plus 7
12.00%B++
EquiTrust Life Insurance Company
MarketValue Index
11.75%A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
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Compare by Product Type
Every major annuity category with current rate data
MYGA·4 carriers
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
Compare MYGA rates
FIA7 carriers
Fixed Indexed Annuity
Index-linked returns with principal protection.
13.00% cap
SPIAIncome quotes
Immediate Annuity
Lump sum → guaranteed income within one year.
Lifetime income
DIALongevity
Deferred Income / QLAC
Lock in future income. QLACs reduce RMDs.
Future income
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.
Rate data checked: May 23, 2026