RILAFirst observed Jul 21, 2026
Index Summit 6 - Declared rate rose
MassMutual Ascend Life Insurance Company - Declared rate moved from 10.00% to 11.00%
S&P 500 Index · Annual · 1-year term
1.00%
10.00%to11.00%
CANNEX data · Rates as of 2026-07-21
Annuity Rates, Honestly Dated
The top dated 5-year MYGA guaranteed rate is 7.45% from Atlantic Coast Life with AM Best B. Compare dated rates and indexed crediting metrics with the true source date shown above.
Dated CANNEX rates
Top 5-year MYGA guaranteed rate
Atlantic Coast Life · AM Best B
7.45%
Top FIA cap metric
Global Atlantic - Forethought Life Insurance Company · ForeAccumulation II Advisory · AM Best A
S&P 500 · 1-yr point-to-point
14.00%
7.45%
Top 5-year MYGA guaranteed rate
Unavailable
Average 5-year MYGA guaranteed rate
Unavailable
Products in dated rate feeds
Unavailable
Carriers in dated rate feeds
Dated 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 2026-07-21
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | Knighthead Life Staysail | 6.45% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 2 | Aspida Life Insurance Company Aspida Advisory MYGA | 5.85% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 3 | Axonic Insurance Services Waypoint MYGA | 5.80% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 4 | Axonic Insurance Services Incline Advisory MYGA | 5.75% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 5 | Aspida Life Insurance Company Synergy Choice MYGA | 5.65% Guaranteed rate · fixed account · 3-year | A- |
| 5-year | 1 | Knighthead Life Staysail | 6.45% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 2 | Aspida Life Insurance Company Aspida Advisory MYGA | 5.85% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 3 | Axonic Insurance Services Waypoint MYGA | 5.80% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 4 | Axonic Insurance Services Incline Advisory MYGA | 5.75% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 5 | Aspida Life Insurance Company Synergy Choice MYGA | 5.65% Guaranteed rate · fixed account · 5-year | A- |
| 7-year | 1 | Knighthead Life Staysail | 6.45% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 2 | Aspida Life Insurance Company Aspida Advisory MYGA | 5.85% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 3 | Axonic Insurance Services Waypoint MYGA | 5.80% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 4 | Axonic Insurance Services Incline Advisory MYGA | 5.75% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 5 | Aspida Life Insurance Company Synergy Choice MYGA | 5.65% Guaranteed rate · fixed account · 7-year | A- |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each cap cohort · cap values above 20% are blocked · as of 2026-07-21
Annual feeMissing fees are not classified as no-fee.
S&P 500 · 1-yr point-to-point
Cap rate
1A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
2A
Fidelity and Guaranty
FG AccumulatorPlus 10
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
3A
Fidelity and Guaranty
FG AccumulatorPlus 7
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
4A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
5A-
Security Benefit Life Insurance Company
Strategic Growth Annuity
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
6A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
7A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
8A
Americo Financial Life and Annuity Insurance Company
Growth Commander 10
11.70%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: Not shown
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 2 | Fidelity and Guaranty FG AccumulatorPlus 10 | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 3 | Fidelity and Guaranty FG AccumulatorPlus 7 | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 4 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 5 | Security Benefit Life Insurance Company Strategic Growth Annuity | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A- |
| 6 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 7 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
| 8 | Americo Financial Life and Annuity Insurance Company Growth Commander 10 | 11.70% Cap rate | S&P 500 | 1-yr point-to-point | Not shown | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of 2026-07-21. 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
RILAFirst observed Jul 21, 2026
Index Summit 6 - availability added
MassMutual Ascend Life Insurance Company - State availability added at 1.00%
State AK
Now listed
RILAFirst observed Jul 21, 2026
Symetra Trek Plus - Cap rate rose
Symetra Life Insurance Company - Cap rate moved from 19.50% to 23.00%
Nasdaq-100 Index · Annual · 1-year term
3.50%
19.50%to23.00%
RILAFirst observed Jul 21, 2026
Symetra Trek Plus - Cap rate rose
Symetra Life Insurance Company - Cap rate moved from 24.50% to 27.50%
Strategy Fee Included · Nasdaq-100 Index · Annual · 1-year term
3.00%
24.50%to27.50%
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
Annuity rates by product type
Honestly dated
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 dated 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 dated annuity rates?
The top guaranteed MYGA rate in the dated 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.