Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
Rate data · Rates as of 2026-09-01
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
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MYGA guaranteed rates
Guaranteed rate · fixed account · top alternatives for 3-, 5-, and 7-year terms · as of 2026-09-01
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | 5.65% 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 | 5.45% Guaranteed rate · fixed account · 3-year | A | |
| 5-year | 1 | 6.15% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 2 | 5.90% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 3 | 5.85% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 4 | 5.75% Guaranteed rate · fixed account · 5-year | A | |
| 5-year | 5 | 5.75% 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 | 5.90% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 4 | 5.85% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 5 | 5.75% Guaranteed rate · fixed account · 7-year | A- |
FIA cap rates
Ranked within each comparable cap-rate cohort · as of 2026-09-01
S&P 500 · 1-yr point-to-point
| 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 | 10-year surrender | 12.70% Cap rate | S&P 500 | 1-yr point-to-point | 0.95% | A- |
| 5 | 7-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 14-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 7 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A++ | |
| 8 | 10-year surrender | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 9 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | None | A | |
| 10 | 10-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 2026-09-01. 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.
Minnesota Life Insurance Company - A Securian Co. - Participation rate moved from 180.00% to 190.00%
SG Climate Prepared Index · Annual · 1-year term · Premium $0–$99,999.99 · Premium under $100k
Minnesota Life Insurance Company - A Securian Co. - Participation rate moved from 190.00% to 200.00%
SG Climate Prepared Index · Annual · 1-year term · Premium $100,000 and up · Premium $100k+
Allianz Life Insurance Company of North America - Participation rate moved from 45.00% to 55.00%
S&P 500 Futures Excess Return Index · Annual
Allianz Life Insurance Company of North America - Participation rate moved from 55.00% to 60.00%
S&P 500 Futures Excess Return Index · Annual · 1-year term · Premium $100,000 and up · Premium $100k+
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
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.
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.
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.
Rates move as carriers reprice. The rate-movement module shows recent public changes detected from the CANNEX daily refresh when available.