FIAFirst observed Jul 10, 2026
Prosperity PathWay 14 - availability added
S.USA Life Insurance Company Inc. - Participation rate added at 85.00% across 3 options
NYSE Market Pillars Index · Annual
Now listed
Updated July 10, 2026 · live from CANNEX
Fixed Index Annuity Rates Today
Featured standard 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. Standard participation-rate and performance-trigger cohorts are shown separately below.
Live standard FIA rates
Fixed index annuity cap, participation, and performance-trigger metrics are pulled from CANNEX through AdvisorWorld and grouped before ranking by standard benchmark comparison cohort: same recognizable public index plus same crediting term, including 7 carriers in the featured cap cohort. Proprietary and volatility-controlled index strategies are shown separately for reference.
14.00%
Top standard cap rate · S&P 500 · 1-yr point-to-point
54.00%
Top standard participation rate · S&P 500 · 1-yr point-to-point
8.00%
Top standard performance trigger · S&P 500 · 1-yr point-to-point
7
Featured cap cohort carriers
4
Featured participation cohort carriers
4
Featured trigger cohort carriers
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Find a leading standard fixed index annuity metric
Choose a standard benchmark metric to jump straight to the matching cap, participation-rate, or performance-trigger cohort tables from CANNEX.
Fixed index annuity rates
Standard benchmark FIA cap, participation, and performance-trigger cohorts
Standard rankings include recognizable public benchmark indexes only. Every sub-table ranks inside one comparison cohort: the same benchmark 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, declared trigger rate, or proprietary index strategy.
FIA cap rates
Standard FIA cap-rate cohorts
Featured first: S&P 500 1-year annual point-to-point caps · recognizable benchmark indexes only · each rank stays inside one cohort · as of July 10, 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
4A-
Talcott Financial Group
EverGuard Aspire
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
5A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
6A
The Standard
Enhanced Choice Index Plus 7
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
7A+
North American Company for Life and Health Insurance
NAC Guaranteed Allocation
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
8B++
EquiTrust Life Insurance Company
MarketValue Index
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
9A
The Standard
Enhanced Choice Index Plus 5
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
10A-
Knighthead Life
Chartline
12.00%
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 | Talcott Financial Group EverGuard Aspire | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | A- |
| 5 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 6 | The Standard Enhanced Choice Index Plus 7 | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 7 | North American Company for Life and Health Insurance NAC Guaranteed Allocation | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | A+ |
| 8 | EquiTrust Life Insurance Company MarketValue Index | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | B++ |
| 9 | The Standard Enhanced Choice Index Plus 5 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 10 | Knighthead Life Chartline | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A- |
FIA participation rates
Standard FIA participation-rate cohorts
Ranked only within the same benchmark index and crediting term · proprietary-index participation rates are shown separately below · as of July 10, 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
7B
Atlantic Coast Life
Accumulation Protector Plus Annuity
38.00%
Participation rate · S&P 500 · 1-yr point-to-point
8B
Atlantic Coast Life
Accumulation Protector Plus Annuity
26.00%
Participation rate · S&P 500 · 1-yr point-to-point
9A
Corebridge Financial
AG Choice Index 10
20.00%
Participation rate · S&P 500 · 1-yr point-to-point
10A
Corebridge Financial
AG Choice Index 10
10.00%
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 | Atlantic Coast Life Accumulation Protector Plus Annuity | 38.00% Participation rate | S&P 500 | 1-yr point-to-point | B |
| 8 | Atlantic Coast Life Accumulation Protector Plus Annuity | 26.00% Participation rate | S&P 500 | 1-yr point-to-point | B |
| 9 | Corebridge Financial AG Choice Index 10 | 20.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
| 10 | Corebridge Financial AG Choice Index 10 | 10.00% Participation rate | S&P 500 | 1-yr point-to-point | A |
S&P 500 · 2-Year
Participation rate
1B
Sentinel Security Life
Accumulation Protector Plus Annuity
68.00%
Participation rate · S&P 500 · 2-Year
2B
Atlantic Coast Life
Accumulation Protector Plus Annuity
58.00%
Participation rate · S&P 500 · 2-Year
3B
Sentinel Security Life
Accumulation Protector Plus Annuity
56.00%
Participation rate · S&P 500 · 2-Year
4B
Atlantic Coast Life
Accumulation Protector Plus Annuity
43.00%
Participation rate · S&P 500 · 2-Year
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Sentinel Security Life Accumulation Protector Plus Annuity | 68.00% Participation rate | S&P 500 | 2-Year | B |
| 2 | Atlantic Coast Life Accumulation Protector Plus Annuity | 58.00% Participation rate | S&P 500 | 2-Year | B |
| 3 | Sentinel Security Life Accumulation Protector Plus Annuity | 56.00% Participation rate | S&P 500 | 2-Year | B |
| 4 | Atlantic Coast Life Accumulation Protector Plus Annuity | 43.00% Participation rate | S&P 500 | 2-Year | B |
FIA performance triggers
Standard FIA performance-trigger cohorts
DeclaredRate is treated as the performance-trigger rate and ranked only within the same benchmark index and term · proprietary-index triggers are shown separately below · as of July 10, 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 7
6.85%
Performance trigger · S&P 500 · 1-yr point-to-point
7A+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
6.75%
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+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage+
5.60%
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 7 | 6.85% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
| 7 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 6.75% 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 | Allianz Life Insurance Company of North America Allianz Accumulation Advantage+ | 5.60% Performance trigger | S&P 500 | 1-yr point-to-point | A+ |
Nasdaq-100 · 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 · 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 | 1-yr point-to-point | A+ |
Source: CANNEX Financial Exchanges via AdvisorWorld public API, as of July 10, 2026. Each standard FIA table ranks one metric for recognizable public benchmark indexes 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, triggers, and proprietary-index strategies are never cross-ranked. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
Reference strategies
Proprietary & volatility-controlled index strategies - not directly comparable
These indexes can use volatility control, smoothing, bank-custom construction, excess-return mechanics, or other proprietary rules. Their participation or trigger figures are useful context, but they are not comparable with standard-benchmark rates and are shown for reference rather than ranked against standard indexes or other proprietary index families.
FIA reference participation
Proprietary-index participation strategies
Reference only · volatility-controlled and smoothed-index participation figures are not comparable with standard benchmark participation rates · as of July 10, 2026
PIMCO Tactical Balanced ER Index · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
435.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
410.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
385.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
360.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
360.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
350.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
335.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
335.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
325.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
305.00%
Participation rate · PIMCO Tactical Balanced ER Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 435.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 410.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 385.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 360.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 360.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 350.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 335.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 335.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 325.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 305.00% Participation rate | PIMCO Tactical Balanced ER Index | 1-yr point-to-point | A+ |
Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
435.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
410.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
385.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
360.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
345.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
335.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
320.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
295.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
270.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
270.00%
Participation rate · Bloomberg US Dynamic Balance III ER Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 435.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 410.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 385.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 360.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 345.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 335.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 320.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 295.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 270.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 270.00% Participation rate | Bloomberg US Dynamic Balance III ER Index | 1-yr point-to-point | A+ |
S&P 500 Futures Excess Return Index · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
125.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
115.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
110.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
105.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
100.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
95.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
95.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
90.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 222+
85.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
85.00%
Participation rate · S&P 500 Futures Excess Return Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 125.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 115.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 110.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 105.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 100.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 95.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 95.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 90.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 222+ | 85.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 85.00% Participation rate | S&P 500 Futures Excess Return Index | 1-yr point-to-point | A+ |
S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
355.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
330.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
300.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
280.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 222
250.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 360
245.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
245.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 222
225.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
225.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 360
220.00%
Participation rate · S&P 500 Futures Daily Risk Control 5% Index Excess Return · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 355.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 330.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 300.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 280.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 222 | 250.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 360 | 245.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 245.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 222 | 225.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 225.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 360 | 220.00% Participation rate | S&P 500 Futures Daily Risk Control 5% Index Excess Return | 1-yr point-to-point | A+ |
Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
335.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
310.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
285.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
260.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
235.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 222
230.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 360
225.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage
210.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 222
205.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz 360
205.00%
Participation rate · Bloomberg US Dynamic Balance II ER Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 335.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 310.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 285.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 260.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 235.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 222 | 230.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 360 | 225.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage | 210.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 222 | 205.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz 360 | 205.00% Participation rate | Bloomberg US Dynamic Balance II ER Index | 1-yr point-to-point | A+ |
Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
Participation rate
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
275.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
250.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
225.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
210.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
200.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
190.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
175.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
170.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
160.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage Classic
150.00%
Participation rate · Morgan Stanley Strategic Trends 10 ER Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 275.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 250.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 225.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 210.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 200.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 190.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 175.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 170.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 160.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage Classic | 150.00% Participation rate | Morgan Stanley Strategic Trends 10 ER Index | 1-yr point-to-point | A+ |
FIA reference triggers
Proprietary-index performance-trigger strategies
Reference only · proprietary-index trigger figures are not comparable with standard benchmark trigger rates · as of July 10, 2026
CS Momentum Index · 1-yr point-to-point
Performance trigger
ReferenceB
Atlantic Coast Life
Accumulation Protector Plus Annuity
11.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
ReferenceB
Sentinel Security Life
Accumulation Protector Plus Annuity
11.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
ReferenceB
Atlantic Coast Life
Accumulation Protector Plus Annuity
9.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
ReferenceB
Sentinel Security Life
Accumulation Protector Plus Annuity
9.00%
Performance trigger · CS Momentum Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Atlantic Coast Life Accumulation Protector Plus Annuity | 11.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| Reference | Sentinel Security Life Accumulation Protector Plus Annuity | 11.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| Reference | Atlantic Coast Life Accumulation Protector Plus Annuity | 9.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
| Reference | Sentinel Security Life Accumulation Protector Plus Annuity | 9.00% Performance trigger | CS Momentum Index | 1-yr point-to-point | B |
Russell 2000 Index · 1-yr point-to-point
Performance trigger
ReferenceA+
Allianz Life Insurance Company of North America
Allianz Accumulation Advantage 5
7.60%
Performance trigger · Russell 2000 Index · 1-yr point-to-point
| Reference | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| Reference | Allianz Life Insurance Company of North America Allianz Accumulation Advantage 5 | 7.60% Performance trigger | Russell 2000 Index | 1-yr point-to-point | A+ |
This week
FIA rate movements
Indexed-crediting changes detected from the CANNEX daily refresh.
FIAFirst observed Jul 10, 2026
Lincoln FlexAdvantage - Cap rate dropped
Lincoln Financial - Cap rate moved from 8.55% to 7.25%
S&P 500 Index · Annual · 1-year term · Premium $0k-$100k
1.30%
8.55%to7.25%
FIAFirst observed Jul 10, 2026
Lincoln FlexAdvantage - Declared rate dropped
Lincoln Financial - Declared rate moved from 6.75% to 5.25%
Dual Trigger · S&P 500 Index · Annual · 1-year term · Premium $0k-$100k
1.50%
6.75%to5.25%
FIAFirst observed Jul 10, 2026
Lincoln FlexAdvantage - Declared rate dropped
Lincoln Financial - Declared rate moved from 7.25% to 6.50%
S&P 500 Index · Annual · 1-year term · Premium $0k-$100k
75 bp
7.25%to6.50%
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. Standard cap rows are ranked only inside their benchmark-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. Standard benchmark 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. Standard benchmark 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. Standard leaderboards include recognizable public benchmark indexes only, and 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. Proprietary and volatility-controlled indexes are also separated from standard benchmark rankings.
What is a comparison cohort?
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. Rows restart their rank inside each cohort.
Why are proprietary indexes shown separately?
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.
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 July 10, 2026. Standard rankings exclude proprietary and volatility-controlled indexes; reference strategies vary by state, premium band, issue age, index design, and crediting method. Rankings are cohort-specific and educational only - not advice, a quote, or a carrier-approved illustration.