Fixed Index Annuity Rates Today

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.

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. Standard leaderboards include recognizable public benchmark indexes only, and each leaderboard compares strategies only inside the same index and crediting term.

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.

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.

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.

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. Proprietary and volatility-controlled indexes are also separated from standard benchmark rankings.

A comparison cohort is one standard benchmark index family plus one crediting term, such as S&P 500 1-year annual point-to-point or Nasdaq-100 1-year. Strategies restart their rank inside each cohort.

Bank custom, volatility-controlled, smoothed, and excess-return index strategies can publish participation or trigger figures that are not directly comparable with standard benchmark-index rates. They are shown for reference, but they are excluded from the standard FIA rankings and structured rate list.