10-year MYGA average
The average 10-year MYGA rate is 5.38% as of September 25, 2026, calculated from 36 marketed rates representing 36 products from 27 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, 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.
Latest preserved observation: September 25, 2026 · CANNEX via AdvisorWorld. Each statistic shows its own source date.
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.
10-year MYGA median
The median 10-year MYGA rate is 5.60% as of September 25, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
10-year MYGA middle 50%
The middle 50% of 10-year MYGA rates runs from 5.20% to 5.80% as of September 25, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
Top 10-year MYGA rate
The highest 10-year MYGA guaranteed rate is 6.30% as of September 25, 2026, calculated from 36 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
2-year MYGA average
The average 2-year MYGA rate is 4.55% as of September 25, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
2-year MYGA median
The median 2-year MYGA rate is 4.65% as of September 25, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
2-year MYGA middle 50%
The middle 50% of 2-year MYGA rates runs from 4.15% to 5.05% as of September 25, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
Top 2-year MYGA rate
The highest 2-year MYGA guaranteed rate is 5.25% as of September 25, 2026, calculated from 20 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
20-year MYGA average
The average 20-year MYGA rate is 4.40% as of September 25, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
20-year MYGA median
The median 20-year MYGA rate is 3.60% as of September 25, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
20-year MYGA middle 50%
The middle 50% of 20-year MYGA rates runs from 3.60% to 3.60% as of September 25, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
Top 20-year MYGA rate
The highest 20-year MYGA guaranteed rate is 5.19% as of September 25, 2026, calculated from 2 marketed rates representing 2 products from 1 carriers tracked via CANNEX.
3-year MYGA average
The average 3-year MYGA rate is 5.12% as of September 25, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
3-year MYGA median
The median 3-year MYGA rate is 5.25% as of September 25, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
3-year MYGA middle 50%
The middle 50% of 3-year MYGA rates runs from 4.95% to 5.45% as of September 25, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
Top 3-year MYGA rate
The highest 3-year MYGA guaranteed rate is 6.10% as of September 25, 2026, calculated from 107 marketed rates representing 112 products from 57 carriers tracked via CANNEX.
4-year MYGA average
The average 4-year MYGA rate is 5.04% as of September 25, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA median
The median 4-year MYGA rate is 5.20% as of September 25, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA middle 50%
The middle 50% of 4-year MYGA rates runs from 5.00% to 5.30% as of September 25, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
Top 4-year MYGA rate
The highest 4-year MYGA guaranteed rate is 6.05% as of September 25, 2026, calculated from 33 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
5-year MYGA average
The average 5-year MYGA rate is 5.41% as of September 25, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
5-year MYGA median
The median 5-year MYGA rate is 5.50% as of September 25, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
5-year MYGA middle 50%
The middle 50% of 5-year MYGA rates runs from 5.25% to 5.75% as of September 25, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
Top 5-year MYGA rate
The highest 5-year MYGA guaranteed rate is 6.45% as of September 25, 2026, calculated from 126 marketed rates representing 131 products from 62 carriers tracked via CANNEX.
6-year MYGA average
The average 6-year MYGA rate is 5.16% as of September 25, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
6-year MYGA median
The median 6-year MYGA rate is 5.35% as of September 25, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
6-year MYGA middle 50%
The middle 50% of 6-year MYGA rates runs from 4.65% to 5.60% as of September 25, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
Top 6-year MYGA rate
The highest 6-year MYGA guaranteed rate is 6.00% as of September 25, 2026, calculated from 31 marketed rates representing 31 products from 23 carriers tracked via CANNEX.
7-year MYGA average
The average 7-year MYGA rate is 5.28% as of September 25, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
7-year MYGA median
The median 7-year MYGA rate is 5.50% as of September 25, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
7-year MYGA middle 50%
The middle 50% of 7-year MYGA rates runs from 5.15% to 5.70% as of September 25, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
Top 7-year MYGA rate
The highest 7-year MYGA guaranteed rate is 6.50% as of September 25, 2026, calculated from 114 marketed rates representing 118 products from 55 carriers tracked via CANNEX.
Shared Annuity Rate Index
Average of the top MYGA rates, by term
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.
10-year MYGA Rate Index
The average of the top 10 10-year MYGA declared-rate observations was 6.22% on September 25, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
2-year MYGA Rate Index
The average of the top 10 2-year MYGA declared-rate observations was 5.02% on September 25, 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 5.93% on September 25, 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 5.49% on September 25, 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 6.30% on September 25, 2026, based on 10 observations recorded in the CANNEX-backed Annuity Rate Index.
6-year MYGA Rate Index
The average of the top 10 6-year MYGA declared-rate observations was 5.81% on September 25, 2026, based on 10 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 6.38% on September 25, 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 12.82% as of September 25, 2026, across 10 strategies from 7 carriers tracked via CANNEX.
Median S&P 500 one-year FIA cap rate
The median S&P 500 one-year FIA cap rate is 12.70% as of September 25, 2026, across 10 strategies from 7 carriers tracked via CANNEX.
Top S&P 500 one-year FIA cap rate
The highest S&P 500 one-year FIA cap rate is 14.50% as of September 25, 2026, across 10 strategies from 7 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 60.04% as of September 25, 2026, across 80 strategies from 22 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 60.00% as of September 25, 2026, across 80 strategies from 22 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 73.00% as of September 25, 2026, across 80 strategies from 22 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 7.86% as of September 25, 2026, across 80 strategies from 20 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 7.70% as of September 25, 2026, across 80 strategies from 20 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 13.50% as of September 25, 2026, across 80 strategies from 20 carriers tracked via CANNEX.
Coverage and movement
How broad is the feed, and how fast is it moving?
Tracked annuity carriers
AnnuityRatesHQ tracks 68 annuity carriers as of September 25, 2026, across 623 unique MYGA and FIA products in the CANNEX-backed feed. The family coverage includes 171 MYGA products from 63 carriers and 452 FIA products from 53 carriers.
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 citable sentence and verification record
Site: AnnuityRatesHQ · as-of date: 2026-09-25 · source: CANNEX via AdvisorWorld. Link to the statistic's stable hub URL and include its immutable as-of JSON URL so the quoted value remains independently verifiable.
AnnuityRatesHQ. “Annuity Rate Statistics.” https://annuityrateshq.com/annuity-rate-statistics. Data as of 2026-09-25. CANNEX via AdvisorWorld.
Verifiable at https://annuityrateshq.com/annuity-rate-statistics/as-of/2026-09-25
Methodology and accuracy boundaries
Comparable data, honest omissions
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.