FIAFirst observed Jun 23, 2026
Foundations Annuity - Strategy guaranteed min/max rose
Security Benefit Life Insurance Company - Strategy guaranteed min/max moved from 2.45% to 2.75%
30 bp
2.45%to2.75%
Updated June 23, 2026 · live from CANNEX
Fixed Index Annuity Rates Today
Featured FIA cap cohort
14.00% - Global Atlantic - Forethought Life Insurance Company, ForeAccumulation II Advisory, cap rate · S&P 500 · 1-yr point-to-point, AM Best A. Participation-rate and performance-trigger cohorts are shown separately below.
Live FIA rates
Fixed index annuity cap, participation, and performance-trigger metrics are pulled from CANNEX through AdvisorWorld and grouped before ranking by comparison cohort: same index plus same crediting term, including 7 carriers in the featured cap cohort. The three metrics are distinct and never cross-ranked.
14.00%
Top cap rate · S&P 500 · 1-yr point-to-point
54.00%
Top participation rate · S&P 500 · 1-yr point-to-point
8.00%
Top performance trigger · S&P 500 · 1-yr point-to-point
7
Featured cap cohort carriers
5
Featured participation cohort carriers
5
Featured trigger cohort carriers
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Fixed index annuity rates
FIA cap, participation, and performance-trigger cohorts
Every sub-table ranks inside one comparison cohort: the same index and the same crediting term. Caps, participation rates, and performance triggers are separate metrics, so a high participation percentage is never ranked against a cap or declared trigger rate.
FIA cap rates
FIA cap-rate cohorts
Featured first: S&P 500 1-year annual point-to-point caps · each rank stays inside one cohort · as of June 23, 2026
S&P 500 · 1-yr point-to-point
Cap rate
1A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
2A
Fidelity and Guaranty
FG AccumulatorPlus 10
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
3A
Fidelity and Guaranty
FG AccumulatorPlus 7
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
4B++
EquiTrust Life Insurance Company
MarketValue Index
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
5A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
6A
The Standard
Enhanced Choice Index Plus 7
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
7A-
Security Benefit Life Insurance Company
Strategic Growth Annuity
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
8A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
9A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
10B++
Farmers Life Insurance Company
Farmers Harvest
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 2 | Fidelity and Guaranty FG AccumulatorPlus 10 | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 3 | Fidelity and Guaranty FG AccumulatorPlus 7 | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 4 | EquiTrust Life Insurance Company MarketValue Index | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | B++ |
| 5 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 6 | The Standard Enhanced Choice Index Plus 7 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 7 | Security Benefit Life Insurance Company Strategic Growth Annuity | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A- |
| 8 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 9 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 10 | Farmers Life Insurance Company Farmers Harvest | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | B++ |
FIA participation rates
FIA participation-rate cohorts
Ranked only within the same index and crediting term · high proprietary-index participation rates are not compared with S&P 500 rows · as of June 23, 2026
S&P 500 · 1-yr point-to-point
Participation rate
1B
Sentinel Security Life
Accumulation Protector Plus Annuity
54.00%
Participation rate · S&P 500 · 1-yr point-to-point
2A
Corebridge Financial
AG Choice Index 10
52.00%
Participation rate · S&P 500 · 1-yr point-to-point
3B++
Revol One Financial
AccumRev FIA
50.00%
Participation rate · S&P 500 · 1-yr point-to-point
4B++
Revol One Financial
AccumRev FIA
50.00%
Participation rate · S&P 500 · 1-yr point-to-point
5B++
Revol One Financial
AccumRev FIA
50.00%
Participation rate · S&P 500 · 1-yr point-to-point
6B
Sentinel Security Life
Accumulation Protector Plus Annuity
44.00%
Participation rate · S&P 500 · 1-yr point-to-point
7A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
40.00%
Participation rate · S&P 500 · 1-yr point-to-point
8A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
40.00%
Participation rate · S&P 500 · 1-yr point-to-point
9A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
40.00%
Participation rate · S&P 500 · 1-yr point-to-point
10A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
40.00%
Participation rate · S&P 500 · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Sentinel Security Life Accumulation Protector Plus Annuity | 54.00% Participation rate | S&P 500 | 1-yr point-to-point | B |
| 2 | Corebridge Financial AG Choice Index 10 | 52.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
| 3 | Revol One Financial AccumRev FIA | 50.00% Participation rate | S&P 500 | 1-yr point-to-point | B++ |
| 4 | Revol One Financial AccumRev FIA | 50.00% Participation rate | S&P 500 | 1-yr point-to-point | B++ |
| 5 | Revol One Financial AccumRev FIA | 50.00% Participation rate | S&P 500 | 1-yr point-to-point | B++ |
| 6 | Sentinel Security Life Accumulation Protector Plus Annuity | 44.00% Participation rate | S&P 500 | 1-yr point-to-point | B |
| 7 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 40.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
| 8 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 40.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
| 9 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 40.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
| 10 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 40.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
Participation rate
1A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
180.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
2A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
140.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
3A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 7
125.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
4A+
Allianz Life Insurance Company of North America
Allianz 222+
85.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
5A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
85.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
6A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
83.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
7A+
Allianz Life Insurance Company of North America
Allianz Benefit Control+
75.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
8A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
47.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
9A+
Allianz Life Insurance Company of North America
Allianz 222+
45.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
10A+
Allianz Life Insurance Company of North America
Allianz Benefit Control+
41.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 180.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 2 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 140.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 3 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 7 | 125.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 4 | Allianz Life Insurance Company of North America Allianz 222+ | 85.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 5 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 85.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 6 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 83.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 7 | Allianz Life Insurance Company of North America Allianz Benefit Control+ | 75.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 8 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 47.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 9 | Allianz Life Insurance Company of North America Allianz 222+ | 45.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| 10 | Allianz Life Insurance Company of North America Allianz Benefit Control+ | 41.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
PIMCO Tactical Balanced ER Index · 1-yr point-to-point
Participation rate
1A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
170.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
2A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
145.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
3A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 7
135.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
4A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
130.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
5A+
Allianz Life Insurance Company of North America
Allianz 222
80.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
6A+
Allianz Life Insurance Company of North America
Allianz 222+
80.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
7A+
Allianz Life Insurance Company of North America
Allianz 360
75.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
8A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
75.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
9A+
Allianz Life Insurance Company of North America
Allianz Benefit Control
70.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
10A+
Allianz Life Insurance Company of North America
Allianz Benefit Control+
70.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 170.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 2 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 145.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 3 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 7 | 135.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 4 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 130.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 5 | Allianz Life Insurance Company of North America Allianz 222 | 80.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 6 | Allianz Life Insurance Company of North America Allianz 222+ | 80.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 7 | Allianz Life Insurance Company of North America Allianz 360 | 75.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 8 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 75.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 9 | Allianz Life Insurance Company of North America Allianz Benefit Control | 70.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| 10 | Allianz Life Insurance Company of North America Allianz Benefit Control+ | 70.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
S&P 500 Futures Excess Return Index · 1-yr point-to-point
Participation rate
1A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
55.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
2A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 7
50.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
3A+
Allianz Life Insurance Company of North America
Allianz 222+
45.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
4A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
30.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
5A+
Allianz Life Insurance Company of North America
Allianz Benefit Control+
30.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 55.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| 2 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 7 | 50.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| 3 | Allianz Life Insurance Company of North America Allianz 222+ | 45.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| 4 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 30.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| 5 | Allianz Life Insurance Company of North America Allianz Benefit Control+ | 30.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
BlackRock Adaptive US Equity 15% Index · 1-yr point-to-point
Participation rate
1A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
45.00%
Participation rate · BlackRock Adaptive US Equity 15% Index · 1-yr point-to-point
2A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
45.00%
Participation rate · BlackRock Adaptive US Equity 15% Index · 1-yr point-to-point
3A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
45.00%
Participation rate · BlackRock Adaptive US Equity 15% Index · 1-yr point-to-point
4A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
45.00%
Participation rate · BlackRock Adaptive US Equity 15% Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 45.00% Participation rate | BlackRock Adaptive US Equity 15% Index | 1-yr point-to-point | A |
| 2 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 45.00% Participation rate | BlackRock Adaptive US Equity 15% Index | 1-yr point-to-point | A |
| 3 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 45.00% Participation rate | BlackRock Adaptive US Equity 15% Index | 1-yr point-to-point | A |
| 4 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 45.00% Participation rate | BlackRock Adaptive US Equity 15% Index | 1-yr point-to-point | A |
Blended Futures Index · 1-yr point-to-point
Participation rate
1A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
80.00%
Participation rate · Blended Futures Index · 1-yr point-to-point
2A+
Allianz Life Insurance Company of North America
Allianz 222+
50.00%
Participation rate · Blended Futures Index · 1-yr point-to-point
3A+
Allianz Life Insurance Company of North America
Allianz Benefit Control+
40.00%
Participation rate · Blended Futures Index · 1-yr point-to-point
4A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
35.00%
Participation rate · Blended Futures Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 80.00% Participation rate | Blended Futures Index | 1-yr point-to-point | A+ |
| 2 | Allianz Life Insurance Company of North America Allianz 222+ | 50.00% Participation rate | Blended Futures Index | 1-yr point-to-point | A+ |
| 3 | Allianz Life Insurance Company of North America Allianz Benefit Control+ | 40.00% Participation rate | Blended Futures Index | 1-yr point-to-point | A+ |
| 4 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 35.00% Participation rate | Blended Futures Index | 1-yr point-to-point | A+ |
FIA performance triggers
FIA performance-trigger cohorts
DeclaredRate is treated as the performance-trigger rate and ranked only within the same index and term · as of June 23, 2026
S&P 500 · 1-yr point-to-point
Performance trigger
1A
Fidelity and Guaranty
Accelerator Plus 14
8.00%
Performance trigger · S&P 500 · 1-yr point-to-point
2A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
8.00%
Performance trigger · S&P 500 · 1-yr point-to-point
3A
Fidelity and Guaranty
Accelerator Plus 10
7.75%
Performance trigger · S&P 500 · 1-yr point-to-point
4A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
7.45%
Performance trigger · S&P 500 · 1-yr point-to-point
5A
Corebridge Financial
AG Choice Index 10
7.35%
Performance trigger · S&P 500 · 1-yr point-to-point
6A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
6.75%
Performance trigger · S&P 500 · 1-yr point-to-point
7A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 7
6.50%
Performance trigger · S&P 500 · 1-yr point-to-point
8A
Fidelity and Guaranty
Accelerator Plus 14
6.25%
Performance trigger · S&P 500 · 1-yr point-to-point
9A
Fidelity and Guaranty
Accelerator Plus 10
6.00%
Performance trigger · S&P 500 · 1-yr point-to-point
10A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
5.75%
Performance trigger · S&P 500 · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Fidelity and Guaranty Accelerator Plus 14 | 8.00% Performance trigger | S&P 500 | 1-yr point-to-point | A |
| 2 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 8.00% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
| 3 | Fidelity and Guaranty Accelerator Plus 10 | 7.75% Performance trigger | S&P 500 | 1-yr point-to-point | A |
| 4 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 7.45% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
| 5 | Corebridge Financial AG Choice Index 10 | 7.35% Performance trigger | S&P 500 | 1-yr point-to-point | A |
| 6 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 6.75% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
| 7 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 7 | 6.50% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
| 8 | Fidelity and Guaranty Accelerator Plus 14 | 6.25% Performance trigger | S&P 500 | 1-yr point-to-point | A |
| 9 | Fidelity and Guaranty Accelerator Plus 10 | 6.00% Performance trigger | S&P 500 | 1-yr point-to-point | A |
| 10 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 5.75% Performance trigger | S&P 500 | 1-yr point-to-point | A |
CS Momentum Index · 1-yr point-to-point
Performance trigger
1B
Atlantic Coast Life
Accumulation Protector Plus Annuity
11.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
2B
Sentinel Security Life
Accumulation Protector Plus Annuity
11.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
3B
Atlantic Coast Life
Accumulation Protector Plus Annuity
9.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
4B
Sentinel Security Life
Accumulation Protector Plus Annuity
9.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Atlantic Coast Life Accumulation Protector Plus Annuity | 11.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| 2 | Sentinel Security Life Accumulation Protector Plus Annuity | 11.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| 3 | Atlantic Coast Life Accumulation Protector Plus Annuity | 9.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| 4 | Sentinel Security Life Accumulation Protector Plus Annuity | 9.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
Nasdaq-100 Index · 1-yr point-to-point
Performance trigger
1A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
7.40%
Performance trigger · Nasdaq-100 Index · 1-yr point-to-point
2A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
6.75%
Performance trigger · Nasdaq-100 Index · 1-yr point-to-point
3A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
6.50%
Performance trigger · Nasdaq-100 Index · 1-yr point-to-point
4A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
6.25%
Performance trigger · Nasdaq-100 Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 7.40% Performance trigger | Nasdaq-100 Index | 1-yr point-to-point | A+ |
| 2 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 6.75% Performance trigger | Nasdaq-100 Index | 1-yr point-to-point | A |
| 3 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 6.50% Performance trigger | Nasdaq-100 Index | 1-yr point-to-point | A |
| 4 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 6.25% Performance trigger | Nasdaq-100 Index | 1-yr point-to-point | A |
S&P 500 Advantage 15% VT TCA Index (USD) ER · 1-yr point-to-point
Performance trigger
1A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
8.50%
Performance trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · 1-yr point-to-point
2A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
8.50%
Performance trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · 1-yr point-to-point
3A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
8.25%
Performance trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · 1-yr point-to-point
4A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
7.75%
Performance trigger · S&P 500 Advantage 15% VT TCA Index (USD) ER · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 8.50% Performance trigger | S&P 500 Advantage 15% VT TCA Index (USD) ER | 1-yr point-to-point | A |
| 2 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 8.50% Performance trigger | S&P 500 Advantage 15% VT TCA Index (USD) ER | 1-yr point-to-point | A |
| 3 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 8.25% Performance trigger | S&P 500 Advantage 15% VT TCA Index (USD) ER | 1-yr point-to-point | A |
| 4 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 7.75% Performance trigger | S&P 500 Advantage 15% VT TCA Index (USD) ER | 1-yr point-to-point | A |
Dow Jones Industrial Average · 1-yr point-to-point
Performance trigger
1A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
6.50%
Performance trigger · Dow Jones Industrial Average · 1-yr point-to-point
2A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
6.25%
Performance trigger · Dow Jones Industrial Average · 1-yr point-to-point
3A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
6.00%
Performance trigger · Dow Jones Industrial Average · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 6.50% Performance trigger | Dow Jones Industrial Average | 1-yr point-to-point | A |
| 2 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 6.25% Performance trigger | Dow Jones Industrial Average | 1-yr point-to-point | A |
| 3 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 6.00% Performance trigger | Dow Jones Industrial Average | 1-yr point-to-point | A |
Nasdaq Premier Index · 1-yr point-to-point
Performance trigger
1A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
8.50%
Performance trigger · Nasdaq Premier Index · 1-yr point-to-point
2A
American Equity Investment Life Insurance Company
American Equity AssetShield 7
8.25%
Performance trigger · Nasdaq Premier Index · 1-yr point-to-point
3A
American Equity Investment Life Insurance Company
American Equity AssetShield 5
7.75%
Performance trigger · Nasdaq Premier Index · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 8.50% Performance trigger | Nasdaq Premier Index | 1-yr point-to-point | A |
| 2 | American Equity Investment Life Insurance Company American Equity AssetShield 7 | 8.25% Performance trigger | Nasdaq Premier Index | 1-yr point-to-point | A |
| 3 | American Equity Investment Life Insurance Company American Equity AssetShield 5 | 7.75% Performance trigger | Nasdaq Premier Index | 1-yr point-to-point | A |
Source: CANNEX Financial Exchanges via AdvisorWorld public API, as of June 23, 2026. Each FIA table ranks one metric within one comparison cohort: same index and same crediting term. Cap and trigger values above 20% and participation values above 600% are excluded, so caps, participation rates, and triggers are never cross-ranked. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
This week
FIA rate movements
Indexed-crediting changes detected from the CANNEX daily refresh.
FIAFirst observed Jun 22, 2026
American Legend 7 - availability added
MassMutual Ascend Life Insurance Company - Declared rate added at 7.10%
S&P 500 Index · Annual · 1-year term · Premium $100k-$100.0M
Now listed
FIAFirst observed Jun 22, 2026
American Legend 7 - availability added
MassMutual Ascend Life Insurance Company - Participation rate added at 100.00% across 2 options
S&P 500 Index · Annual · 1-year term
Now listed
FIAFirst observed Jun 22, 2026
American Legend 7 - availability added
MassMutual Ascend Life Insurance Company - Strategy guaranteed min/max added at 2.40% across 2 options
Now listed
Source: CANNEX daily refresh. FIA movements can reflect caps, participation rates, declared rates, additions, or removals.
Crediting mechanics
How FIA crediting works
A fixed index annuity rate table only makes sense when the metric, index, and term travel together. The tables above enforce all three before assigning a rank.
Cap
The cap is the maximum credited index gain for the term. Cap rows are ranked only inside their index and term cohort, with the S&P 500 1-year cohort featured first.
Participation
The participation rate is the share of the index gain credited by the formula. Participation rows are grouped by index and term before any rank is assigned.
Performance trigger
A performance trigger credits a fixed declared rate when the index return is at least zero. Declared trigger rates are ranked only against trigger rows in the same cohort.
Spread, index, term
A spread reduces measured index gain. The index and crediting term define the measurement period, so every row labels the metric, index, and term together.
Get FIA rates matched to your profile
Compare indexed-crediting options for your state, premium, age, and timeline in a personalized report.
Get my rate reportFixed index annuity FAQ
What is a fixed index annuity?
A fixed index annuity is an insurance contract that credits interest from an index formula while protecting the contract value from direct market losses. The crediting formula can use a cap, participation rate, performance trigger, spread, index, and crediting term.
What are fixed index annuity rates?
Fixed index annuity rates are the current crediting terms published for FIA strategies. A cap is the maximum credited index gain, a participation rate is the share of index gain credited, a performance trigger is a declared rate credited when the index return is at least zero, and a spread is deducted from index gain. Each leaderboard compares rows only inside the same index and crediting term.
What is an FIA cap?
An FIA cap is the maximum index-linked credit for a crediting period. The featured cap cohort is S&P 500 1-year annual point-to-point, so the ranking stays like-for-like.
What is a participation rate?
A participation rate is the percentage of an index gain credited by the contract formula. A 150% participation rate means the formula credits 150% of the measured gain before any other contract limits or charges.
What is a performance trigger?
A performance trigger credits a fixed declared rate for the crediting period whenever the measured index return is at least zero. It is its own FIA metric, not a cap, participation rate, or fixed-account rate.
Why are caps, participation rates, and triggers separated?
Caps, participation rates, and performance-trigger declared rates are different metrics. A 14% cap, a 150% participation rate, and a 6% trigger rate cannot be ranked in one column, and none should be ranked across different indexes or crediting terms.
What is a comparison cohort?
A comparison cohort is one index family plus one crediting term, such as S&P 500 1-year annual point-to-point or PIMCO Balanced Index 2-year. Rows restart their rank inside each cohort.
Sources and data: all fixed index annuity cap, participation, and performance-trigger metrics are sourced from CANNEX Financial Exchanges through the AdvisorWorld public API, as of June 23, 2026. Metrics vary by state, premium band, issue age, index, and crediting method; rankings are cohort-specific and educational only - not advice, a quote, or a carrier-approved illustration.