FIAFirst observed Jun 16, 2026
Marquis® Centennial - Cap rate rose
The Lafayette Life Insurance Company - Cap rate moved from 9.25% to 11.00%
S&P 500 Index · Monthly · 1-year term · Premium $0k-$100.0M
1.75%
9.25%to11.00%
Updated June 16, 2026 from CANNEX
Annuity Rates Today
Compare current annuity rates across MYGA fixed annuities, fixed indexed annuities, income riders, SPIA immediate income, and DIA/QLAC deferred income. Rate data comes from AdvisorWorld and CANNEX and refreshes on the same schedule as the rate pages.
- 5-year MYGA
- 6.65%
- FIA cap
- 14.00%
- Products
- 143
Current annuity rates today
Current rate overview
Fixed annuity
5-year MYGA guaranteed rate
Atlantic Coast Life. Compare terms, minimum premium, and carrier rating.
6.65%
Fixed indexed annuity
S&P 500 cap-rate leader
Global Atlantic - Forethought Life Insurance Company. ForeAccumulation II Advisory.
14.00%
Income annuity
FIA income-rider withdrawal rate
Nationwide Life Insurance Company. Deferral: 10 years.
12.85%
Carrier data
6.65%
Current 5-year MYGA
5.05%
Average 5-year MYGA
14.00%
Current FIA cap
8
Carrier feeds
4
Weekly rate moves
CANNEX rate hub
Current Annuity Rates by Product Type
This table pulls together the rate paths buyers compare first: fixed annuity guarantees, FIA caps and participation rates, income-rider withdrawal rates, and quote-based SPIA/DIA income. Rates are as of June 16, 2026.
| Product type | Current rate indicator | Carrier or source | What to compare | Full table |
|---|---|---|---|---|
| 3-year MYGA fixed annuity | 6.13% | Atlantic Coast Life | Guaranteed rate, surrender period, premium minimum, AM Best rating | Open |
| 5-year MYGA fixed annuity | 6.65% | Atlantic Coast Life | Guaranteed rate, tax deferral, liquidity window, carrier strength | Open |
| 7-year MYGA fixed annuity | 7.04% | Atlantic Coast Life | Longer guarantee period versus surrender flexibility | Open |
| Fixed indexed annuity cap rates | 14.00% | Global Atlantic - Forethought Life Insurance Company - ForeAccumulation II Advisory | S&P 500 cap, crediting period, index strategy, rating | Open |
| FIA participation rates | -- | CANNEX FIA strategy data | Participation rate, index, spread, cap, and strategy fee | Open |
| FIA income-rider withdrawal rates | 12.85% | Nationwide Life Insurance Company - Stable Income Annuity | Deferral years, single/joint life, rider fee, guaranteed withdrawal rate | Open |
| SPIA immediate annuity income | Quote path | Multiple CANNEX immediate-income carriers | Monthly income by age, premium, state, and payout option | Open |
| DIA and QLAC deferred income | Quote path | Multiple CANNEX deferred-income carriers | Income start age, QLAC limits, payout option, joint-life needs | Open |
Source: CANNEX Financial Exchanges via AdvisorWorld public rate data. Rates are subject to change and may vary by state, premium band, age, rider election, and carrier rules.
This week
Annuity Rate Changes This Week
Significant public rate moves detected in the last 7 days.
FIAFirst observed Jun 16, 2026
ForeAccumulation II - Cap rate removed
Global Atlantic - Forethought Life Insurance Company - Cap rate removed; previously 7.10%
Guaranteed Minimum Annual Floor and Cap Strategy · Nasdaq-100 Index · Annual · 1-year term · Premium $100k-$100.0M
Availability
FIAFirst observed Jun 16, 2026
ForeAccumulation II - Participation rate added
Global Atlantic - Forethought Life Insurance Company - Participation rate added at 100.00% across 16 options
Multiple crediting options
Availability
FIAFirst observed Jun 16, 2026
ForeAccumulation II Advisory - Cap rate rose
Global Atlantic - Forethought Life Insurance Company - Cap rate moved from 7.75% to 8.50%
Guaranteed Minimum Annual Floor and Cap Strategy · Nasdaq-100 Agile 15% Index · Annual · 1-year term · Premium $100k-$100.0M
75 bp
7.75%to8.50%
MYGA Annuity Rates Today by Term
Top multi-year guaranteed annuity rates for 3-, 5-, and 7-year terms. Click any row for product details and report actions.
| Carrier | Product | 3-Year | 5-Year | 7-Year | AM Best | |
|---|---|---|---|---|---|---|
| Atlantic Coast Life | Safe Harbor Bonus Guarantee | 6.13% | 6.65% | 7.04% | B | |
| Mountain Life Insurance Company | Alpine Horizon | 6.00% | 6.35% | -- | B+ | |
| Knighthead Life | Staysail | 5.60% | 6.30% | 6.50% | A- | |
| 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+ | |
| Canvas Annuity | Canvas Future Fund | 5.90% | 6.00% | 6.10% | B++ | |
| Farmers Life Insurance Company | Safeguard Plus | 5.65% | 6.00% | 5.95% | B++ | |
| Revol One Financial | DirectGrowth MYGA | 5.55% | 6.00% | 6.00% | B++ | |
| Gulf Guaranty Life Insurance Company | Anchor MYGA | -- | 6.00% | 5.00% | B++ | |
| Revol One Financial | DirectGrowth MYGA California | 5.45% | 5.90% | 5.90% | B++ | |
| Atlantic Coast Life | Safe Haven Bonus Guarantee | 5.78% | 5.90% | 5.89% | B | |
| Aspida Life Insurance Company | Aspida Advisory MYGA | 5.15% | 5.85% | 6.05% | A- | |
| 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+ |
Rates sourced from CANNEX. Subject to change.
View all MYGA ratesFixed Indexed Annuity Rates Today
Current FIA cap and participation-rate leaders from CANNEX. FIA rates are crediting-strategy terms, not guaranteed fixed interest rates.
| Carrier | Product | Index / strategy | Cap rate | Participation | AM Best |
|---|---|---|---|---|---|
| Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory | S&P 500 Index / Annual | 14.00% | -- | A |
| Fidelity and Guaranty | FG AccumulatorPlus 10 | S&P 500 Index / Annual | 13.25% | -- | A |
| Fidelity and Guaranty | FG AccumulatorPlus 7 | S&P 500 Index / Annual | 13.00% | -- | A |
| EquiTrust Life Insurance Company | MarketValue Index | S&P 500 Index / Annual | 12.50% | -- | B++ |
| Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II | S&P 500 Index / Annual | 12.25% | -- | A |
| The Standard | Enhanced Choice Index Plus 7 | S&P 500 Index / Annual | 12.00% | -- | A |
| Security Benefit Life Insurance Company | Strategic Growth Annuity | S&P 500 Index / Annual | 12.00% | -- | A- |
| American Equity Investment Life Insurance Company | American Equity AssetShield 10 | S&P 500 Index / Annual | 11.75% | -- | A |
FIA caps and participation rates can change by state, premium band, index, crediting term, and strategy fee. Review product pages and carrier materials before purchase.
Free Comparison Report
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See current annuity rates filtered for your age, state, premium, income timing, and risk preference. The report keeps the rate comparison informational first and includes carrier ratings.
Rate comparison paths
Annuity Rates Comparison Hub
Compare guaranteed fixed rates, FIA strategies, immediate income, deferred income, carrier pages, rate changes, reviews, and the annuity payout calculator all connect from here.
Compare MYGA annuity rates
Guaranteed fixed annuity rates by 3-, 5-, and 7-year terms.
Compare fixed indexed annuity rates
FIA cap rates, participation rates, spreads, and index strategies.
Compare SPIA immediate annuity rates
Immediate income quotes by age, premium, and payout option.
Compare DIA and QLAC rates
Deferred income annuity and QLAC quote paths for future income.
See best annuity rates rankings
Ranked lists for buyers comparing the strongest current rate options.
Compare annuity income paths
SPIA, DIA, annuitization, and FIA income riders side by side.
Browse annuity providers
Carrier ratings, product lineups, and provider-specific rate pages.
Track annuity rate changes
This week's significant MYGA and FIA moves from CANNEX.
Read annuity product reviews
Independent product analysis linked to current rate data.
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Get a free report that lines up current annuity rates, carrier strength, surrender terms, and income choices without turning the homepage into a sales pitch.
Methodology
How We Update Current Annuity Rates
Rate data is sourced from CANNEX Financial Exchanges through AdvisorWorld's public rate data. The homepage uses the same latest rate data as the MYGA and FIA pages, refreshes on the same schedule, and keeps personalized income calculations inside the quote and comparison tools.
Last updated: Updated June 16, 2026. Rates can vary by state, age, premium, rider election, payout option, and carrier underwriting rules.
What the data means
MYGA and fixed rates
Guaranteed interest rates for a contract term. Compare rate, surrender schedule, minimum premium, and financial strength.
FIA strategy rates
Caps, participation rates, and spreads govern indexed-crediting strategies. They are not the same as MYGA fixed interest rates.
Income annuity rates
SPIA and DIA income depends on age, premium, payout form, timing, state, and carrier. Quote tools handle those variables.
Rate changes
The rate-change section highlights significant public moves observed in the latest CANNEX refresh.
Current Annuity Rates FAQ
Answers use the same latest rate data shown above.
What are current annuity rates?
Current annuity rates vary by product type, term, state, and carrier strength. In the latest data on AnnuityRatesHQ, the leading 5-year MYGA rate is 6.65%, the leading fixed indexed annuity cap rate is 14.00%, and leading FIA income-rider withdrawal rates are 12.85%.
What are annuity rates today?
AnnuityRatesHQ refreshes rate data on June 16, 2026. The homepage summarizes today's annuity rates across MYGA fixed annuities, fixed indexed annuity caps and participation rates, FIA income riders, SPIA immediate income quotes, and DIA/QLAC deferred income quotes.
What is a good annuity rate?
A good annuity rate is competitive with current rate data for the same product type and term, while also coming from a carrier whose financial-strength rating, surrender schedule, state availability, and liquidity rules fit your plan. For context, the current average 5-year MYGA rate tracked here is 5.05%.
Are annuity rates going up?
Annuity rates move when carriers adjust new-money rates, crediting caps, participation rates, or income-rider payouts. The current rate-change feed shows 97 increases and 44 decreases in the last 7 days; use the rate changes page to compare this week's significant moves by carrier and product type.
How are annuity rates set?
Carriers set annuity rates from the current interest-rate environment, bond yields, option costs for indexed strategies, hedging budgets, product term, premium band, state availability, and carrier pricing goals. CANNEX data lets AnnuityRatesHQ compare those published rates across carriers in one place.
Recent Annuity Reviews Linked to Rate Data
Product-level context for buyers comparing rates and contract terms.
Rate data sourced from CANNEX Financial Exchanges through AdvisorWorld. Carrier ratings from A.M. Best, S&P, Moody's, and Fitch where available. All rates are subject to change and should be verified before purchase.
Updated June 16, 2026