MYGAFirst observed Sep 8, 2026
EverStead MYGA - Fixed rate rose
Talcott Financial Group - Fixed rate moved from 4.60% to 5.90%
Fixed account · Daily · 4-year term · Premium $0–$99,999.99 · Premium under $100k
1.30%
4.60%to5.90%
CANNEX data · Rates as of 2026-09-08
Annuity Rates, Verified as of September 8, 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.
CANNEX rates
Top 5-year MYGA guaranteed rate
Mountain Life Insurance Company · AM Best B-
6.30%
FIA cap metrics are temporarily unavailable.
6.30%
Top 5-year MYGA guaranteed rate
5.29%
Average 5-year MYGA guaranteed rate
621
Products in rate feeds
68
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 2026-09-08
| Premium band | Rate date | Details | ||||
|---|---|---|---|---|---|---|
| 3-year #1 | 5.80% | $100,000+ | A | |||
| 3-year #2 | 5.67% | $100,000+ | A- | |||
| 3-year #3 | 5.65% | $100,000+ | A- | |||
| 3-year #4 | 5.60% | $100,000+ | A | |||
| 3-year #5 | 5.50% | $0+ | A+ | |||
| 5-year #1 | 6.15% | $100,000+ | A- | |||
| 5-year #2 | 5.95% | $100,000+ | A- | |||
| 5-year #3 | 5.90% | $100,000+ | A- | |||
| 5-year #4 | 5.85% | $100,000+ | A- | |||
| 5-year #5 | 5.75% | $75,000+ | A | |||
| 7-year #1 | 6.35% | $100,000+ | A- | |||
| 7-year #2 | 5.93% | $100,000+ | A- | |||
| 7-year #3 | 5.90% | $100,000+ | A- | |||
| 7-year #4 | 5.90% | $75,000+ | A | |||
| 7-year #5 | 5.85% | $100,000+ | A |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each comparable cap-rate cohort · as of 2026-09-08
Annual feeCANNEX strategies without a positive fee tier are classified as no-fee.
FIA cap strategies are temporarily unavailable from CANNEX.
Source: CANNEX Financial Exchanges via AdvisorWorld, as of 2026-09-08. 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
All changesMYGAFirst observed Sep 8, 2026
EverStead MYGA - Fixed rate rose
Talcott Financial Group - Fixed rate moved from 4.85% to 5.25%
Fixed account · Daily · 5-year term · Premium $0–$99,999.99 · Premium under $100k
40 bp
4.85%to5.25%
MYGAFirst observed Sep 8, 2026
EverStead MYGA - Fixed rate rose
Talcott Financial Group - Fixed rate moved from 5.10% to 5.50%
Fixed account · Daily · 5-year term · Premium $100,000–$499,999.99 · Premium $100k-$500k
40 bp
5.10%to5.50%
MYGAFirst observed Sep 8, 2026
EverStead MYGA - Fixed rate rose
Talcott Financial Group - Fixed rate moved from 5.20% to 5.60%
Fixed account · Daily · 5-year term · Premium $500,000 and up · Premium $500k+
40 bp
5.20%to5.60%
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.
Latest annuity reviews
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.