RILAFirst observed Aug 7, 2026
Athene Amplify 2.0 NF - Cap rate rose
Athene Annuity and Life Company - Cap rate moved from 75.00% to 105.00%
S&P 500 Index · 6y · 6-year term · Premium $0 and up
30.00%
75.00%to1.05%
Rate data · Rates as of 2026-08-07
Annuity Rates, Verified as of August 7, 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%
Top FIA cap metric
S&P 500 · 1-yr point-to-point
14.00%
6.30%
Top 5-year MYGA guaranteed rate
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Average 5-year MYGA guaranteed rate
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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 2026-08-07
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | 5.50% 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 | 5.40% Guaranteed rate · fixed account · 3-year | A- | |
| 5-year | 1 | 6.15% 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 | 5.70% 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 | 5.75% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 4 | 5.65% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 5 | 5.65% 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 2026-08-07
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: 1.25%
4A
7-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
5A
14-year surrender
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
6A++
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
7A
10-year surrender
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
8A-
10-year surrender
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 0.95%
9A
10-year surrender
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.50%
10A
9-year surrender
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.50%
| 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 | 10-year surrender | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | 1.50% | A |
| 10 | 9-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 2026-08-07. 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 changesRILAFirst observed Aug 7, 2026
Athene Amplify 3.0 - Cap rate dropped
Athene Annuity and Life Company - Cap rate moved from 100.00% to 90.00%
6y · 6-year term · Premium $0 and up
10.00%
100.00%to90.00%
RILAFirst observed Aug 7, 2026
Athene Amplify 3.0 - Participation rate dropped
Athene Annuity and Life Company - Participation rate moved from 115.00% to 110.00%
MSCI EAFE Index · 2-Year · 2-year term · Premium $0 and up
5.00%
115.00%to110.00%
RILAFirst observed Aug 7, 2026
Symetra Trek Plus - Cap rate rose
Symetra Life Insurance Company - Cap rate moved from 60.00% to 65.00%
Strategy Fee Included · Nasdaq-100 Index · 2-Year · 2-year term · Premium $0 and up
5.00%
60.00%to65.00%
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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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.