MYGAFirst observed Oct 3, 2026
CL Tarrant Trail 4-Year - Guarantee-period yield rose
CL Life and Annuity Insurance Company - Guarantee-period yield moved from 7.00% to 7.25%
Guarantee-period yield · 1-year guarantee
25 bp
7.00%to7.25%
Rates as of October 2, 2026 · CANNEX source data
Fixed Annuity Rates Today
Top fixed annuity rate in this view
6.55% - Aspida Life Insurance Company, 7-year fixed annuity rate, AM Best A-. Compare MYGA rates by term and carrier strength below.
MYGA rates
Fixed annuity rates shown here are MYGA guaranteed rates pulled from CANNEX through AdvisorWorld across 37 carriers in this filtered view. AM Best ratings are shown beside rates so the rate-strength tradeoff is visible.
75
MYGA products in this view
37
Carriers in this view
5.84%
Median 5-year comparable rate
A-
Default AM Best floor
Comparable by term
One honest market read for each guarantee term
The large figure uses an A- or better carrier floor. The all-carrier high stays beside it so the strength tradeoff is visible. Step and simple quotes enter only through their full-term comparable annual rate.
3-year61 rates
6.20%
Top A- or better · Corebridge Financial
- Top all
- 6.30%
- Median
- 5.50%
5-year62 rates
6.35%
Top A- or better · Aspida Life Insurance Company
- Top all
- 6.45%
- Median
- 5.84%
7-year59 rates
6.55%
Top A- or better · Aspida Life Insurance Company
- Top all
- 6.55%
- Median
- 5.75%
10-year36 rates
6.35%
Top A- or better · Oxford Life Insurance Company
- Top all
- 6.50%
- Median
- 5.65%
MYGA rate finder
Compare fixed annuity rates by term, state, carrier, and AM Best rating
Choose a term and premium, then filter rates by state availability, carrier, and minimum AM Best rating. The first page shows up to 25 matching products instead of one highlighted rate.
43 matching rates · median 5.80%
Ranked by full-term comparable annual rate · swipe the table to see every column →
| Compare | Carrier | Product | Term | Comparable | Advertised | Schedule | AM Best | Availability | Premium | Free W/D | Rate date | Details |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aspida Life Insurance Company | Aspida Advisory MYGA | 5-year | 6.35% | 6.35% | Flat | A- | Select state | $100,000+ | View details | |||
| Aspida Life Insurance Company | Synergy Choice MYGA | 5-year | 6.10% | 6.10% | Flat | A- | Select state | $100,000+ | View details | |||
| Axonic Insurance Services | Waypoint MYGA | 5-year | 6.10% | 6.10% | Flat | A- | Select state | $100,000+ | View details | |||
| Midland National Life Insurance Company | Oak ADVantage | 5-year | 6.00% | 6.00% | Flat | A+ | Select state | Varies | View details | |||
| Midland National Life Insurance Company | Oak ADVantage Care | 5-year | 6.00% | 6.00% | Flat | A+ | Select state | Varies | View details | |||
| Oxford Life Insurance Company | Multi Select | 5-year | 6.00% | 6.00% | Flat | A | Select state | Varies | View details | |||
| AuguStar Financial | LunarLock MYGA | 5-year | 5.95% | 5.95% | Flat | A | Select state | $100,000+ | View details | |||
| AuguStar Financial | LunarLock Prime | 5-year | 5.90% | 5.90% | Flat | A | Select state | $100,000+ | View details | |||
| Lincoln Financial | Lincoln Select | 5-year | 5.90% | 5.90% | Flat | A | Select state | $100,000+ | View details | |||
| Reliance Standard Life Insurance Company | Reliance Guarantee | 5-year | 5.85% | 5.85% | Flat | A++ | Select state | Varies | View details | |||
| Reliance Standard Life Insurance Company | Eleos MVA | 5-year | 5.85% | 5.85% | Flat | A++ | Select state | Varies | View details | |||
| Athene Annuity and Life Company | Athene MaxRate | 5-year | 5.85% | 5.85% | Flat | A+ | Select state | $100,000+ | View details | |||
| Athene Annuity and Life Company | Athene MYG | 5-year | 5.85% | 5.85% | Flat | A+ | Select state | $100,000+ | View details | |||
| Nationwide Life Insurance Company | Secure Growth | 5-year | 5.85% | 5.85% | Flat | A+ | Select state | $100,000+ | View details | |||
| North American Company for Life and Health Insurance | NAC Guarantee Plus | 5-year | 5.85% | 5.85% | Flat | A+ | Select state | $100,000+ | View details | |||
| Protective Life Insurance Company | SecureSaver | 5-year | 5.85% | 5.85% | Flat | A+ | Select state | $75,000+ | View details | |||
| Aspida Life Insurance Company | WealthLock MYGA Plus | 5-year | 5.85% | 5.85% | Flat | A- | Select state | $100,000+ | View details | |||
| Axonic Insurance Services | Incline MYGA | 5-year | 5.85% | 5.85% | Flat | A- | Select state | $100,000+ | View details | |||
| Knighthead Life | Staysail | 5-year | 5.83% | 6.55% simple | Simple | A- | Select state | $100,000+ | View details | |||
| Midland National Life Insurance Company | LiveWell Guarantee Max | 5-year | 5.80% | 5.80% | Flat | A+ | Select state | $100,000 - $250,000 | View details | |||
| Midland National Life Insurance Company | MNL Guarantee Pro | 5-year | 5.80% | 5.80% | Flat | A+ | Select state | $100,000+ | View details | |||
| Aspida Life Insurance Company | WealthLock MYGA | 5-year | 5.80% | 5.80% | Flat | A- | Select state | $100,000+ | View details | |||
| Pacific Life Insurance Company | Expedition 2 with MVA | 5-year | 5.75% | 5.75% | Flat | A+ | Select state | $100,000+ | View details | |||
| Oceanview Life and Annuity Company | Sky Harbourview Multi-Year Guaranteed Annuity | 5-year | 5.75% | 5.75% | Flat | A | Select state | $100,000+ | View details | |||
| Sagicor Life Insurance Company | Milestone Max MYGA | 5-year | 5.75% | 5.75% | Flat | A | Select state | $75,000+ | View details |
Showing 1-25 of 43
Actual filtered market
Comparable-rate distribution
Each bar counts a visible rate in the current term, premium, state, rating, carrier, and schedule filters. These bins are calculated from the rows above.
5.50–5.75%
13
5.75–6.00%
24
6.00–6.25%
5
6.25–6.50%
1
6.50–6.75%
0
Rates sourced from CANNEX Financial Exchanges. State filters return products available in that state when AdvisorWorld provides state-filtered results. Select any product for details. Updated dates appear in the expanded product detail when available; rate feed dates may vary by carrier.
This week
Fixed annuity (MYGA) rate movements
Guaranteed fixed annuity rate changes detected from the CANNEX daily refresh.
MYGAFirst observed Oct 3, 2026
CL Tarrant Trail 4-Year - First-year rate component rose
CL Life and Annuity Insurance Company - First-year rate component moved from 7.00% to 7.25%
First-year component · 1-year guarantee
25 bp
7.00%to7.25%
MYGAFirst observed Oct 3, 2026
CL Tarrant Trail 6-Year - First-year rate component rose
CL Life and Annuity Insurance Company - First-year rate component moved from 7.50% to 8.00%
First-year component · 1-year guarantee
50 bp
7.50%to8.00%
MYGAFirst observed Oct 3, 2026
CL Tarrant Trail 6-Year - Guarantee-period yield rose
CL Life and Annuity Insurance Company - Guarantee-period yield moved from 7.50% to 8.00%
Guarantee-period yield · 1-year guarantee
50 bp
7.50%to8.00%
Source: CANNEX daily refresh. MYGA movements reflect guaranteed or credited rate changes by term; availability can still vary by carrier, state, and premium band.
In context
Today's best MYGA vs. a CD benchmark
A multi-year guaranteed annuity locks a guaranteed rate like a CD, but it is tax-deferred and backed by the issuing insurer rather than FDIC insurance.
6.35%
Top 5-year MYGA guaranteed rate
Aspida Life Insurance Company · AM Best A- · CANNEX
vs
1.38%
FDIC national 60-month CD rate
Benchmark only · not CANNEX · September 2026
CD benchmark source: FDIC national rates via FRED. The displayed MYGA rate is 4.97 percentage points above this benchmark. CDs may be FDIC or NCUA insured when held at eligible institutions and within applicable limits; annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.
Fixed annuity basics
What is a MYGA?
Full term
Comparable first
Flat rates stay as stated; simple and step schedules use a compound-equivalent annual rate across the full term.
3·10 years
Term matters
Compare 3-, 5-, 7-, and 10-year rates against your actual liquidity timeline.
A-↑
Carrier strength matters
The guarantee depends on the issuing carrier's claims-paying ability. The finder defaults to AM Best A- or better and lets you expose every rating.
Get fixed annuity rates matched to you
See current MYGA rates for your state, premium, age, and term in a personalized comparison.
Get my rate reportFixed annuity rates FAQ
What are fixed annuity rates today?
MYGA rates vary by term and carrier. In this view, the median 5-year comparable annual rate is 5.84% across 62 rates.
Are MYGA rates the same as fixed annuity rates?
For most people searching fixed annuity rates, yes: MYGA rates are multi-year guaranteed fixed annuity rates. The carrier guarantees the fixed interest rate for the stated term.
What is the best fixed annuity rate?
The highest comparable 5-year rate in the A- or better cohort shown is 6.35% from Aspida Life Insurance Company. This figure is calculated from 62 rates in that selected-term cohort and can change with the filters.
How do MYGA rates compare to CDs?
MYGAs and CDs both offer fixed rates for a term, but MYGA growth is tax-deferred and backed by the issuing insurer rather than FDIC insurance. The CD rate shown here is a benchmark, not a CANNEX annuity rate.
Are fixed annuity rates FDIC insured?
No. Fixed annuity guarantees are backed by the issuing insurance carrier's claims-paying ability. They are not bank deposits and are not FDIC insured.
Sources and data: fixed annuity and MYGA rates shown here are sourced from CANNEX Financial Exchanges via AdvisorWorld, with rates observed October 2, 2026. The CD figure is the FDIC national 60-month CD benchmark via FRED, not a CANNEX rate. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration.