Annuity Rates — Compare Today's Best Rates Across Carriers
Side-by-side comparison of 520+ annuity products from 108 carriers. MYGA guaranteed rates, FIA cap rates, carrier ratings — all sourced from CANNEX.
Top 5-Year Guaranteed Rates
MYGASafe Harbor Bonus Guarantee
6.45%
BStaysail
6.30%
A-Anchor MYGA
6.30%
B++Security MYGA
6.25%
B+Alpine Horizon
6.15%
B+Trusted Carriers
6.45%
Best 5-Yr MYGA
4.47%
Avg 5-Yr MYGA
13.00%
Best S&P 500 Cap
520+
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. Updated March 4, 2026.
| Carrier | Product | 3-Year | 5-Year | 7-Year | AM Best | |
|---|---|---|---|---|---|---|
| Atlantic Coast Life | Safe Harbor Bonus Guarantee | 5.80% | 6.45% | 6.90% | B | |
| Knighthead Life | Staysail | 5.60% | 6.30% | 6.50% | A- | |
| Gulf Guaranty Life Insurance Company | Anchor MYGA | -- | 6.30% | 6.30% | B++ | |
| Wichita National Life Insurance | Security MYGA | 5.85% | 6.25% | 6.10% | B+ | |
| Mountain Life Insurance Company | Alpine Horizon | 6.00% | 6.15% | -- | B+ | |
| Sentinel Security Life | Personal Choice Annuity | 5.80% | 6.05% | 6.05% | B | |
| Axonic Insurance Services | Skyline MYGA | 5.75% | 6.05% | 5.90% | A- | |
| Heartland National Life Insurance Company | Secure Rate MYGA | 5.50% | 5.90% | 5.95% | B++ | |
| Revol One Financial | DirectGrowth MYGA | 5.55% | 5.85% | 5.85% | 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+ | |
| Revol One Financial | DirectGrowth MYGA California | 5.45% | 5.75% | 5.75% | B++ | |
| Farmers Life Insurance Company | Safeguard Plus | 5.30% | 5.75% | 5.70% | B++ | |
| Atlantic Coast Life | Safe Haven Bonus Guarantee | 5.45% | 5.70% | 5.75% | B | |
| Axonic Insurance Services | Waypoint MYGA | 5.40% | 5.65% | 5.50% | A- |
Rates sourced from CANNEX. Subject to change.
View all ratesTop FIA Cap Rates
Best S&P 500 annual point-to-point cap rates. Updated March 4, 2026.
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
100% participation
Americo Financial Life and Annuity Insurance Company
OptiMark
100% participation
Americo Financial Life and Annuity Insurance Company
OptiMark LT
100% participation
MassMutual Ascend Life Insurance Company
Index Protector 5 MVA
100% participation
The Standard
Enhanced Choice Index Plus 7
100% participation
Free Personalized Report
Get Your Free Top 10 Annuity Report
The highest-rated products matched to your profile — rates, carrier ratings, and features in one personalized report.
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.
6.45%
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.
Last updated: March 4, 2026