2-year MYGA average
The average 2-year MYGA rate is 4.32% as of July 15, 2026, calculated from 29 marketed rate rows representing 21 products from 12 carriers tracked via CANNEX.
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Annuity rate statistics built to be cited
Plain-English MYGA and FIA market statistics with the number, observation date, sample size, source, permanent citation link, and monthly record in one place.
Current statistics as of July 15, 2026 · CANNEX via AdvisorWorld
Whole-market MYGA distributions
MYGA averages, medians, top rates, and middle 50%
Each term uses the same deduplicated CANNEX rates and calculation as the term market pages. These are whole visible-market distributions, not a ranked top-10 list.
2-year MYGA median
The median 2-year MYGA rate is 4.15% as of July 15, 2026, calculated from 29 marketed rate rows representing 21 products from 12 carriers tracked via CANNEX.
Top 2-year MYGA rate
The highest 2-year MYGA rate is 6.10% as of July 15, 2026, calculated from 29 marketed rate rows representing 21 products from 12 carriers tracked via CANNEX.
2-year MYGA middle 50%
The middle 50% of 2-year MYGA rates runs from 3.90% to 5.00% as of July 15, 2026, calculated from 29 marketed rate rows representing 21 products from 12 carriers tracked via CANNEX.
3-year MYGA average
The average 3-year MYGA rate is 4.82% as of July 15, 2026, calculated from 188 marketed rate rows representing 113 products from 57 carriers tracked via CANNEX.
3-year MYGA median
The median 3-year MYGA rate is 4.85% as of July 15, 2026, calculated from 188 marketed rate rows representing 113 products from 57 carriers tracked via CANNEX.
Top 3-year MYGA rate
The highest 3-year MYGA rate is 6.80% as of July 15, 2026, calculated from 188 marketed rate rows representing 113 products from 57 carriers tracked via CANNEX.
3-year MYGA middle 50%
The middle 50% of 3-year MYGA rates runs from 4.45% to 5.25% as of July 15, 2026, calculated from 188 marketed rate rows representing 113 products from 57 carriers tracked via CANNEX.
4-year MYGA average
The average 4-year MYGA rate is 4.66% as of July 15, 2026, calculated from 50 marketed rate rows representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA median
The median 4-year MYGA rate is 4.60% as of July 15, 2026, calculated from 50 marketed rate rows representing 35 products from 20 carriers tracked via CANNEX.
Top 4-year MYGA rate
The highest 4-year MYGA rate is 6.05% as of July 15, 2026, calculated from 50 marketed rate rows representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA middle 50%
The middle 50% of 4-year MYGA rates runs from 4.35% to 4.95% as of July 15, 2026, calculated from 50 marketed rate rows representing 35 products from 20 carriers tracked via CANNEX.
5-year MYGA average
The average 5-year MYGA rate is 5.12% as of July 15, 2026, calculated from 221 marketed rate rows representing 134 products from 62 carriers tracked via CANNEX.
5-year MYGA median
The median 5-year MYGA rate is 5.10% as of July 15, 2026, calculated from 221 marketed rate rows representing 134 products from 62 carriers tracked via CANNEX.
Top 5-year MYGA rate
The highest 5-year MYGA rate is 7.45% as of July 15, 2026, calculated from 221 marketed rate rows representing 134 products from 62 carriers tracked via CANNEX.
5-year MYGA middle 50%
The middle 50% of 5-year MYGA rates runs from 4.75% to 5.45% as of July 15, 2026, calculated from 221 marketed rate rows representing 134 products from 62 carriers tracked via CANNEX.
6-year MYGA average
The average 6-year MYGA rate is 5.04% as of July 15, 2026, calculated from 35 marketed rate rows representing 29 products from 22 carriers tracked via CANNEX.
6-year MYGA median
The median 6-year MYGA rate is 4.80% as of July 15, 2026, calculated from 35 marketed rate rows representing 29 products from 22 carriers tracked via CANNEX.
Top 6-year MYGA rate
The highest 6-year MYGA rate is 7.67% as of July 15, 2026, calculated from 35 marketed rate rows representing 29 products from 22 carriers tracked via CANNEX.
6-year MYGA middle 50%
The middle 50% of 6-year MYGA rates runs from 4.40% to 5.45% as of July 15, 2026, calculated from 35 marketed rate rows representing 29 products from 22 carriers tracked via CANNEX.
7-year MYGA average
The average 7-year MYGA rate is 5.11% as of July 15, 2026, calculated from 197 marketed rate rows representing 121 products from 55 carriers tracked via CANNEX.
7-year MYGA median
The median 7-year MYGA rate is 5.10% as of July 15, 2026, calculated from 197 marketed rate rows representing 121 products from 55 carriers tracked via CANNEX.
Top 7-year MYGA rate
The highest 7-year MYGA rate is 7.90% as of July 15, 2026, calculated from 197 marketed rate rows representing 121 products from 55 carriers tracked via CANNEX.
7-year MYGA middle 50%
The middle 50% of 7-year MYGA rates runs from 4.80% to 5.45% as of July 15, 2026, calculated from 197 marketed rate rows representing 121 products from 55 carriers tracked via CANNEX.
10-year MYGA average
The average 10-year MYGA rate is 5.55% as of July 15, 2026, calculated from 56 marketed rate rows representing 36 products from 27 carriers tracked via CANNEX.
10-year MYGA median
The median 10-year MYGA rate is 5.50% as of July 15, 2026, calculated from 56 marketed rate rows representing 36 products from 27 carriers tracked via CANNEX.
Top 10-year MYGA rate
The highest 10-year MYGA rate is 8.65% as of July 15, 2026, calculated from 56 marketed rate rows representing 36 products from 27 carriers tracked via CANNEX.
10-year MYGA middle 50%
The middle 50% of 10-year MYGA rates runs from 5.15% to 5.95% as of July 15, 2026, calculated from 56 marketed rate rows representing 36 products from 27 carriers tracked via CANNEX.
Shared Annuity Rate Index
Average of the top MYGA rates, by term
These current top-rate averages come from the same live CANNEX data shown on the Annuity Rate Index. Their sample counts are declared-rate observations, not unique products, and one product can contribute multiple observations. They are not the whole-market averages above. The chart below records one observation per day, so its latest same-day point may precede the current figures.
2-year MYGA Rate Index
The average of the top 10 2-year MYGA declared-rate observations was 5.27% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
3-year MYGA Rate Index
The average of the top 10 3-year MYGA declared-rate observations was 6.23% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
4-year MYGA Rate Index
The average of the top 10 4-year MYGA declared-rate observations was 5.53% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
5-year MYGA Rate Index
The average of the top 10 5-year MYGA declared-rate observations was 6.60% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
6-year MYGA Rate Index
The average of the top 5 6-year MYGA declared-rate observations was 6.92% on July 15, 2026, based on 5 observations recorded in the CANNEX-backed Annuity Rate Index.
7-year MYGA Rate Index
The average of the top 10 7-year MYGA declared-rate observations was 6.76% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
10-year MYGA Rate Index
The average of the top 10 10-year MYGA declared-rate observations was 6.76% on July 15, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
Like-for-like FIA cohorts
FIA cap, participation, and performance-trigger statistics
S&P 500 one-year cap, participation, and performance-trigger strategies remain separate. We exclude products that do not belong in a like-for-like comparison. Uncapped strategies are “Uncapped,” never 0%.
Average S&P 500 one-year FIA cap rate
The average S&P 500 one-year FIA cap rate is 12.53% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Median S&P 500 one-year FIA cap rate
The median S&P 500 one-year FIA cap rate is 12.50% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Top S&P 500 one-year FIA cap rate
The highest S&P 500 one-year FIA cap rate is 14.00% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Average zero-fee S&P 500 one-year FIA participation rate
The average zero-fee S&P 500 one-year FIA participation rate is 39.40% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Median zero-fee S&P 500 one-year FIA participation rate
The median zero-fee S&P 500 one-year FIA participation rate is 44.00% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Top zero-fee S&P 500 one-year FIA participation rate
The highest zero-fee S&P 500 one-year FIA participation rate is 54.00% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Average S&P 500 one-year FIA performance-trigger rate
The average S&P 500 one-year FIA performance-trigger rate is 5.73% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Median S&P 500 one-year FIA performance-trigger rate
The median S&P 500 one-year FIA performance-trigger rate is 6.00% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Top S&P 500 one-year FIA performance-trigger rate
The highest S&P 500 one-year FIA performance-trigger rate is 8.00% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Coverage and movement
How broad is the feed, and how fast is it moving?
Tracked annuity carriers
AnnuityRatesHQ tracks 64 annuity carriers as of July 15, 2026, across 175 unique MYGA and FIA products in the CANNEX-backed feed. The family coverage includes 159 MYGA product IDs from 63 carriers and 16 FIA product IDs from 8 carriers.
Shared rate-index history
MYGA rates over time, by guarantee term
Each line is the stored once-daily average of the top CANNEX-backed declared-rate observations for one MYGA term. This is the same recorded history used by the Annuity Rate Index, not a second trend calculation. One product can contribute more than one rate observation. A current sync can move after the latest daily point is stored.
2-year3-year4-year5-year6-year7-year10-year
| Term | First daily observation | Latest stored daily observation | Sample at latest |
|---|---|---|---|
| 2-year | 4.56% · Mar 18, 26 | 4.84% · Jul 15, 26 | 10 rate observations |
| 3-year | 5.51% · Mar 18, 26 | 5.67% · Jul 15, 26 | 10 rate observations |
| 4-year | 4.94% · Mar 18, 26 | 5.18% · Jul 15, 26 | 10 rate observations |
| 5-year | 5.92% · Mar 18, 26 | 6.02% · Jul 15, 26 | 10 rate observations |
| 6-year | 5.50% · Mar 18, 26 | 5.67% · Jul 15, 26 | 10 rate observations |
| 7-year | 5.95% · Mar 18, 26 | 6.06% · Jul 15, 26 | 10 rate observations |
| 10-year | 5.86% · Mar 18, 26 | 6.05% · Jul 15, 26 | 10 rate observations |
Permanent monthly record
Monthly annuity rate archives
Monthly archives never refresh with current data. Historical backfills contain only the figures actually preserved by recorded history.
How to cite
Use the dated sentence and permanent URL
Site: AnnuityRatesHQ · as-of date: 2026-07-15 · source: CANNEX via AdvisorWorld. Link to the statistic's permanent URL when quoting one figure.
AnnuityRatesHQ. “Annuity Rate Statistics.” https://annuityrateshq.com/annuity-rate-statistics. Data as of 2026-07-15. CANNEX via AdvisorWorld.
Methodology and accuracy boundaries
Comparable data, honest omissions
MYGA averages use the same term-market calculation as our rate pages after duplicate visible rows are removed. We exclude non-marketed minimum-guarantee rates, and eligible displayed rates must fall within the 2%-9% comparison range.
FIA caps, participation rates, and performance triggers are checked in separate, like-for-like S&P 500 one-year groups. The participation statistic excludes strategies with fees or mixed crediting methods. Caps, participation rates, triggers, fixed rates, and RILA structures are never blended. A strategy without a cap is labeled “Uncapped,” not zero.
Every live “as of” date reflects the latest CANNEX observation. If current data is unavailable, we omit the statistic instead of displaying zero or a placeholder value.
Whole-market MYGA distributions include each eligible marketed rate after duplicate displayed rows are removed. Because one product can have multiple premium bands or contract versions, each citation reports both the number of rate entries and the number of unique products represented.
The history chart uses the same figures as the Annuity Rate Index. Monthly records are preserved permanently, and archive pages do not refresh. Historical additions include only data that was actually recorded.