Annuity rate data from AdvisorWorld and CANNEX carrier feeds
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Plain-English MYGA and FIA market statistics with the number, observation date, sample size, source, and stable statistic link in one place. Stable link to the current statistic · preserved observations in the versioned daily history CSV · permanent month-end archives.
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.
The average 2-year MYGA rate is 4.72% as of October 26, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
The median 2-year MYGA rate is 4.80% as of October 26, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
The highest 2-year MYGA guaranteed rate is 5.25% as of October 26, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
The middle 50% of 2-year MYGA rates runs from 4.40% to 5.15% as of October 26, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
The average 3-year MYGA rate is 5.31% as of October 26, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
The median 3-year MYGA rate is 5.45% as of October 26, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
The highest 3-year MYGA guaranteed rate is 6.30% as of October 26, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
The middle 50% of 3-year MYGA rates runs from 5.15% to 5.70% as of October 26, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
The average 4-year MYGA rate is 5.23% as of October 26, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
The median 4-year MYGA rate is 5.40% as of October 26, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
The highest 4-year MYGA guaranteed rate is 6.05% as of October 26, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
The middle 50% of 4-year MYGA rates runs from 5.15% to 5.55% as of October 26, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
The average 5-year MYGA rate is 5.60% as of October 26, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
The median 5-year MYGA rate is 5.75% as of October 26, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
The highest 5-year MYGA guaranteed rate is 6.50% as of October 26, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
The middle 50% of 5-year MYGA rates runs from 5.45% to 6.00% as of October 26, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
The average 6-year MYGA rate is 5.33% as of October 26, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
The median 6-year MYGA rate is 5.57% as of October 26, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
The highest 6-year MYGA guaranteed rate is 6.10% as of October 26, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
The middle 50% of 6-year MYGA rates runs from 4.85% to 5.80% as of October 26, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
The average 7-year MYGA rate is 5.49% as of October 26, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
The median 7-year MYGA rate is 5.65% as of October 26, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
The highest 7-year MYGA guaranteed rate is 6.65% as of October 26, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
The middle 50% of 7-year MYGA rates runs from 5.35% to 5.95% as of October 26, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
The average 10-year MYGA rate is 5.54% as of October 26, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
The median 10-year MYGA rate is 5.75% as of October 26, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
The highest 10-year MYGA guaranteed rate is 6.50% as of October 26, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
The middle 50% of 10-year MYGA rates runs from 5.30% to 6.00% as of October 26, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
The average 20-year MYGA rate is 5.17% as of October 26, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
The median 20-year MYGA rate is 5.15% as of October 26, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
The highest 20-year MYGA guaranteed rate is 5.19% as of October 26, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
The middle 50% of 20-year MYGA rates runs from 5.15% to 5.15% as of October 26, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
These top-rate averages come from the same 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 average of the top 10 2-year MYGA declared-rate observations was 5.10% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 3-year MYGA declared-rate observations was 6.06% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 4-year MYGA declared-rate observations was 5.66% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 5-year MYGA declared-rate observations was 6.40% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 6-year MYGA declared-rate observations was 6.00% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 7-year MYGA declared-rate observations was 6.49% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
The average of the top 10 10-year MYGA declared-rate observations was 6.38% on October 26, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
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%.
The average S&P 500 one-year FIA cap rate is 11.70% as of October 26, 2026, across 80 strategies from 26 carriers tracked via CANNEX.
The median S&P 500 one-year FIA cap rate is 11.30% as of October 26, 2026, across 80 strategies from 26 carriers tracked via CANNEX.
The highest S&P 500 one-year FIA cap rate is 16.00% as of October 26, 2026, across 80 strategies from 26 carriers tracked via CANNEX.
The average zero-fee S&P 500 one-year FIA participation rate is 62.26% as of October 26, 2026, across 78 strategies from 23 carriers tracked via CANNEX.
The median zero-fee S&P 500 one-year FIA participation rate is 61.00% as of October 26, 2026, across 78 strategies from 23 carriers tracked via CANNEX.
The highest zero-fee S&P 500 one-year FIA participation rate is 80.00% as of October 26, 2026, across 78 strategies from 23 carriers tracked via CANNEX.
The average S&P 500 one-year FIA performance-trigger rate is 8.24% as of October 26, 2026, across 80 strategies from 20 carriers tracked via CANNEX.
The median S&P 500 one-year FIA performance-trigger rate is 8.00% as of October 26, 2026, across 80 strategies from 20 carriers tracked via CANNEX.
The highest S&P 500 one-year FIA performance-trigger rate is 14.00% as of October 26, 2026, across 80 strategies from 20 carriers tracked via CANNEX.
AnnuityRatesHQ tracks 68 annuity carriers as of October 26, 2026, across 622 unique MYGA and FIA products in the CANNEX-backed feed. The family coverage includes 171 MYGA products from 63 carriers and 451 FIA products from 53 carriers.
Each line is the recorded daily market average of CANNEX-backed declared rates for one MYGA term — the stored Annuity Rate Index history series, not a second trend calculation. This recorded average spans the whole tracked market for the term, so it sits below the index’s current top-rate headline figures, which average only the leading rates. One product can contribute more than one rate. Today’s live reading can differ from the latest daily history point.
| Term | First daily observation | Latest stored daily observation | Sample at latest |
|---|---|---|---|
| 2-year | 4.58% · Aug 24, 26 | 5.05% · Oct 26, 26 | 10 rate observations |
| 3-year | 5.54% · Aug 24, 26 | 5.94% · Oct 26, 26 | 10 rate observations |
| 4-year | 5.00% · Aug 24, 26 | 5.65% · Oct 26, 26 | 10 rate observations |
| 5-year | 5.92% · Aug 24, 26 | 6.26% · Oct 26, 26 | 10 rate observations |
| 6-year | 5.57% · Aug 24, 26 | 5.99% · Oct 26, 26 | 10 rate observations |
| 7-year | 5.95% · Aug 24, 26 | 6.33% · Oct 26, 26 | 10 rate observations |
| 10-year | 5.89% · Aug 24, 26 | 6.28% · Oct 26, 26 | 10 rate observations |
Monthly archives never refresh with current data. Historical backfills contain only the figures actually preserved by recorded history.
The latest source observation is 2026-10-26. Each statistic shows its own date. Current figures and the current CSV may update; a Copy citation control appears only when that exact figure and sentence are saved in the daily archive.
MYGA averages use the same term-market calculation as our rate pages after duplicate visible rates are removed. We exclude non-marketed minimum-guarantee rates, and eligible displayed rates must fall within the 2%-9% comparison range.
“Top” MYGA rates cite level (flat-schedule) guaranteed rates only — the identical cohort behind the /myga rate hub, so the two pages or data views always agree. Step and bonus first-year rates stay in whole-market averages and appear separately as a distinctly labeled whole-market maximum, never as the top guaranteed rate.
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 displayed citation uses a verified CANNEX observation date. If a complete date is unavailable, we continue showing the prior verified observation rather than an incomplete replacement.
Whole-market MYGA distributions include each eligible marketed rate after duplicate displayed rates 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.
Daily history includes only complete observations. Earlier entries remain fixed, and each copied citation links to the saved figures for that date.
The history chart plots the stored Annuity Rate Index history series — recorded whole-market daily averages per term, a broader cohort than the index’s current top-rate headline averages. Monthly history remains available for long-term comparisons, and additions include only data that was actually recorded.
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Machine-readable citation contract
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.
<a href='https://annuityrateshq.com/rate-index'>Rate data: AnnuityRatesHQ Annuity Rate Index</a>Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us