FIAFirst observed Aug 27, 2026
EverGuard Aspire with Premium Bonus - Premium bonus rose
Talcott Financial Group - Premium bonus moved from 18.00% to 20.00%
2.00%
18.00%to20.00%
Rates as of August 27, 2026 · CANNEX source data
Best Annuity Rates — August 27, 2026
Top guaranteed rate in today's CANNEX feed
6.30% - Mountain Life Insurance Company, 5-year MYGA, AM Best B+. Compare today's best rates across product types below.
Rates verified as of August 27, 2026
MYGA guaranteed rates and FIA cap metrics are pulled from CANNEX through AdvisorWorld. Ratings are displayed with carrier rates so rate and strength are visible together.
6.30%
Top 5-year MYGA guaranteed rate
14.00%
Top S&P 500 1-year FIA cap
5.26%
Average 5-year MYGA guaranteed rate
68
Carriers in today's CANNEX feed
Today's best rates
Top annuity rates by product type
Today's CANNEX rates, ranked with like-for-like metrics. The rating floor applies to every ranking below.
MYGA guaranteed rates
Best fixed annuity rates by term
Guaranteed rate · fixed account · top alternatives for 3-, 5-, and 7-year terms · as of August 27, 2026
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | 5.65% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 2 | 5.50% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 3 | 5.50% Guaranteed rate · fixed account · 3-year | A+ | |
| 3-year | 4 | 5.45% Guaranteed rate · fixed account · 3-year | A- | |
| 3-year | 5 | 5.45% Guaranteed rate · fixed account · 3-year | A | |
| 5-year | 1 | 6.15% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 2 | 5.90% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 3 | 5.85% Guaranteed rate · fixed account · 5-year | A- | |
| 5-year | 4 | 5.75% Guaranteed rate · fixed account · 5-year | A | |
| 5-year | 5 | 5.75% Guaranteed rate · fixed account · 5-year | A- | |
| 7-year | 1 | 6.35% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 2 | 5.90% Guaranteed rate · fixed account · 7-year | A- | |
| 7-year | 3 | 5.90% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 4 | 5.85% Guaranteed rate · fixed account · 7-year | A | |
| 7-year | 5 | 5.75% Guaranteed rate · fixed account · 7-year | A- |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each comparable cap-rate cohort · as of August 27, 2026
Annual feeCANNEX strategies without a positive fee tier are classified as no-fee.
S&P 500 · 1-yr point-to-point
Cap rate
1A
5-year surrender
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
2A
10-year surrender
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
3A
7-year surrender
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
4A
7-year surrender
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
5A
14-year surrender
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
6A
5-year surrender
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
7A
10-year surrender
12.25%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
8A++
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
9A
10-year surrender
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
10A
10-year surrender
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 2 | 10-year surrender | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 3 | 7-year surrender | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 4 | 7-year surrender | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 5 | 14-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 5-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 7 | 10-year surrender | 12.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 8 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A++ | |
| 9 | 10-year surrender | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A |
| 10 | 10-year surrender | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
FIA participation rates
Best fixed index annuity S&P 500 participation rates
Ranked within each comparable participation-rate cohort · as of August 27, 2026
Annual feeCANNEX strategies without a positive fee tier are classified as no-fee.
S&P 500 · 1-yr point-to-point
Participation rate
1A
5-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
2A
7-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
3A
10-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
4A
7-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
5A
5-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
6A
5-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
7A
7-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 1.25%
8A+
7-year surrender
65.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
9A-
10-year surrender
63.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: 0.95%
10A++
10-year surrender
62.00%
Participation rate · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 2 | 7-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 3 | 10-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 4 | 7-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 5 | 5-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 6 | 5-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 7 | 7-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 8 | 7-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A+ |
| 9 | 10-year surrender | 63.00% Participation rate | S&P 500 | 1-yr point-to-point | 0.95% | A- |
| 10 | 10-year surrender | 62.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A++ |
S&P 500 · 2-Year
Participation rate
1A
5-year surrender
80.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.25%
2A
7-year surrender
80.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.25%
3A
5-year surrender
80.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.25%
4A
7-year surrender
80.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.25%
5A
10-year surrender
79.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.00%
6A
10-year surrender
79.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.00%
7A
7-year surrender
77.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: 1.00%
8A
10-year surrender
75.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: None
9A
5-year surrender
75.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: None
10A
3-year surrender
75.00%
Participation rate · S&P 500 · 2-Year
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 2 | 7-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 3 | 5-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 4 | 7-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 5 | 10-year surrender | 79.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 6 | 10-year surrender | 79.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 7 | 7-year surrender | 77.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 8 | 10-year surrender | 75.00% Participation rate | S&P 500 | 2-Year | None | A |
| 9 | 5-year surrender | 75.00% Participation rate | S&P 500 | 2-Year | None | A |
| 10 | 3-year surrender | 75.00% Participation rate | S&P 500 | 2-Year | None | A |
Nasdaq-100 · 1-yr point-to-point
Participation rate
1A+
5-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
2A+
7-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
3A+
10-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
4A+
5-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
5A+
7-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
6A+
9-year surrender
105.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
7A+
5-year surrender
100.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
8A+
7-year surrender
100.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
9A+
10-year surrender
100.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
10A+
5-year surrender
100.00%
Participation rate · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 2 | 7-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 3 | 10-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 4 | 5-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 5 | 7-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 6 | 9-year surrender | 105.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 7 | 5-year surrender | 100.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 8 | 7-year surrender | 100.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 9 | 10-year surrender | 100.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 10 | 5-year surrender | 100.00% Participation rate | Nasdaq-100 | 1-yr point-to-point | None | A+ |
Nasdaq-100 · 2-Year
Participation rate
1A-
5-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
2A-
7-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
3A-
10-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
4A-
5-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
5A-
7-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
6A-
10-year surrender
100.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
7A-
5-year surrender
60.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
8A-
7-year surrender
60.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
9A-
10-year surrender
60.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
10A-
5-year surrender
60.00%
Participation rate · Nasdaq-100 · 2-Year
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 2 | 7-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 3 | 10-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 4 | 5-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 5 | 7-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 6 | 10-year surrender | 100.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 7 | 5-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 8 | 7-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 9 | 10-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 10 | 5-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
S&P 500 · 5-Year
Participation rate
1A
5-year surrender
105.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: 1.25%
2A
7-year surrender
105.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: 1.25%
3A
5-year surrender
105.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: 1.25%
4A
7-year surrender
105.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: 1.25%
5A
5-year surrender
98.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
6A
10-year surrender
90.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
7A
9-year surrender
90.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
8A+
10-year surrender
87.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
9A+
5-year surrender
85.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
10A+
7-year surrender
85.00%
Participation rate · S&P 500 · 5-Year
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 105.00% Participation rate | S&P 500 | 5-Year | 1.25% | A |
| 2 | 7-year surrender | 105.00% Participation rate | S&P 500 | 5-Year | 1.25% | A |
| 3 | 5-year surrender | 105.00% Participation rate | S&P 500 | 5-Year | 1.25% | A |
| 4 | 7-year surrender | 105.00% Participation rate | S&P 500 | 5-Year | 1.25% | A |
| 5 | 5-year surrender | 98.00% Participation rate | S&P 500 | 5-Year | None | A |
| 6 | 10-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 7 | 9-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 8 | 10-year surrender | 87.00% Participation rate | S&P 500 | 5-Year | None | A+ |
| 9 | 5-year surrender | 85.00% Participation rate | S&P 500 | 5-Year | None | A+ |
| 10 | 7-year surrender | 85.00% Participation rate | S&P 500 | 5-Year | None | A+ |
S&P 500 · 3-Year
Participation rate
1A+
3-year surrender
85.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: 1.00%
2A+
7-year surrender
85.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
3A+
5-year surrender
80.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
4A+
7-year surrender
75.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
5A+
7-year surrender
70.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
6A+
3-year surrender
65.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
7A+
5-year surrender
60.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
8A+
5-year surrender
55.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
9A+
10-year surrender
50.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
10A+
10-year surrender
50.00%
Participation rate · S&P 500 · 3-Year
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 3-year surrender | 85.00% Participation rate | S&P 500 | 3-Year | 1.00% | A+ |
| 2 | 7-year surrender | 85.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 3 | 5-year surrender | 80.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 4 | 7-year surrender | 75.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 5 | 7-year surrender | 70.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 6 | 3-year surrender | 65.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 7 | 5-year surrender | 60.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 8 | 5-year surrender | 55.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 9 | 10-year surrender | 50.00% Participation rate | S&P 500 | 3-Year | None | A+ |
| 10 | 10-year surrender | 50.00% Participation rate | S&P 500 | 3-Year | None | A+ |
FIA performance triggers
Best fixed index annuity S&P 500 performance-trigger rates
Ranked within each comparable performance-trigger cohort · as of August 27, 2026
Annual feeCANNEX strategies without a positive fee tier are classified as no-fee.
S&P 500 · 1-yr point-to-point
Performance trigger
1A+
5-year surrender
13.50%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
2A+
7-year surrender
13.50%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
3A+
10-year surrender
11.00%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
4A+
8-year surrender
10.50%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
5A+
10-year surrender
10.50%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
6A+
7-year surrender
10.25%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
7A+
7-year surrender
10.00%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
8A+
5-year surrender
10.00%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
9A+
10-year surrender
9.25%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
10A+
7-year surrender
8.65%
Performance trigger · S&P 500 · 1-yr point-to-point
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 13.50% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 2 | 7-year surrender | 13.50% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 3 | 10-year surrender | 11.00% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 4 | 8-year surrender | 10.50% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 5 | 10-year surrender | 10.50% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 6 | 7-year surrender | 10.25% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 7 | 7-year surrender | 10.00% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 8 | 5-year surrender | 10.00% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 9 | 10-year surrender | 9.25% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 10 | 7-year surrender | 8.65% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
Nasdaq-100 · 1-yr point-to-point
Performance trigger
1A
5-year surrender
9.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
2A
7-year surrender
9.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
3A
5-year surrender
9.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
4A
7-year surrender
9.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
5A-
7-year surrender
8.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
6A-
10-year surrender
7.75%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
7A+
5-year surrender
7.40%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
8A
7-year surrender
7.15%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
9A
5-year surrender
7.00%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
10A
10-year surrender
6.75%
Performance trigger · Nasdaq-100 · 1-yr point-to-point
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 9.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 2 | 7-year surrender | 9.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 3 | 5-year surrender | 9.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 4 | 7-year surrender | 9.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 5 | 7-year surrender | 8.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A- |
| 6 | 10-year surrender | 7.75% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A- |
| 7 | 5-year surrender | 7.40% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A+ |
| 8 | 7-year surrender | 7.15% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 9 | 5-year surrender | 7.00% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 10 | 10-year surrender | 6.75% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
Dow Jones · 1-yr point-to-point
Performance trigger
1A
10-year surrender
6.50%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
2A
9-year surrender
6.50%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
3A
7-year surrender
6.45%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
4A
5-year surrender
6.00%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
5A
5-year surrender
5.25%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
6A
10-year surrender
5.25%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
7A
5-year surrender
4.75%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
8A
5-year surrender
4.25%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
9A
10-year surrender
4.00%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
10A
9-year surrender
4.00%
Performance trigger · Dow Jones · 1-yr point-to-point
Annual strategy fee: None
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 10-year surrender | 6.50% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 2 | 9-year surrender | 6.50% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 3 | 7-year surrender | 6.45% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 4 | 5-year surrender | 6.00% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 5 | 5-year surrender | 5.25% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 6 | 10-year surrender | 5.25% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 7 | 5-year surrender | 4.75% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 8 | 5-year surrender | 4.25% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 9 | 10-year surrender | 4.00% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 10 | 9-year surrender | 4.00% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of August 27, 2026. Rates vary by state, premium band, and issue age. Standard FIA cap, participation, and performance-trigger tables rank recognizable public benchmark indexes only, and only within a single index plus crediting-term cohort. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
Registered index-linked annuities
RILA segment rates by protection type
RILA segments are ranked in four like-for-like cohorts: cap and participation-rate strategies are separated inside buffer and floor protection types. The minimum AM Best rating selected above applies here too.
Best 1-Year S&P 500 Cap Rates — Buffer Strategies
Athene Annuity and Life Company · S&P 500 Index · AM Best A+
25.5% Cap
10% buffer · 1-year term
Annual strategy fee: 0.95%
Athene Annuity and Life Company · S&P 500 Index · AM Best A+
25.5% Cap
10% buffer · 1-year term
Annual strategy fee: 0.95%
Prudential Financial · S&P 500 Index · AM Best A+
25% Cap
10% buffer · 1-year term
Annual strategy fee: None
Prudential Financial · S&P 500 Index · AM Best A+
25% Cap
10% buffer · 1-year term
Annual strategy fee: None
Prudential Financial · S&P 500 Index · AM Best A+
25% Cap
10% buffer · 1-year term
Annual strategy fee: None
Best 1-Year S&P 500 Participation Rates — Buffer Strategies
Minnesota Life Insurance Company - A Securian Co. · S&P 500 Index · AM Best A+
105% Participation
1% buffer · 1-year term
Annual strategy fee: None
Jackson Market Link Pro Advisory 4
Jackson National Life Insurance · S&P 500 Index · AM Best A
102% Participation
10% buffer · 1-year term
Annual strategy fee: 1.25%
Midland National Life Insurance Company · S&P 500 Index · AM Best A+
90% Participation
10% buffer · 1-year term
Annual strategy fee: None
ForeStructured Growth II Advisory
Global Atlantic - Forethought Life Insurance Company · S&P 500 Index · AM Best A
85% Participation
10% buffer · 1-year term
Annual strategy fee: None
Global Atlantic - Forethought Life Insurance Company · S&P 500 Index · AM Best A
80% Participation
100% buffer · 1-year term
Annual strategy fee: None
Best 1-Year S&P 500 Cap Rates — Floor Strategies
MassMutual Ascend Life Insurance Company · S&P 500 Index · AM Best A++
16.5% Cap
-10% floor · 1-year term
Annual strategy fee: None
MassMutual Ascend Life Insurance Company · S&P 500 Index · AM Best A++
16.5% Cap
-10% floor · 1-year term
Annual strategy fee: None
MassMutual Ascend Life Insurance Company · S&P 500 Index · AM Best A++
16% Cap
-10% floor · 1-year term
Annual strategy fee: None
Allianz Life Insurance Company of North America · S&P 500 Index · AM Best A+
15.75% Cap
-10% floor · 1-year term
Annual strategy fee: None
Midland National Life Insurance Company · S&P 500 Index · AM Best A+
14.5% Cap
-10% floor · 1-year term
Annual strategy fee: None
Best 1-Year S&P 500 Participation Rates — Floor Strategies
Defined Protection Annuity 2.0
Nationwide Life Insurance Company · S&P 500 Index · AM Best A+
90% Participation
-10% floor · 1-year term
Annual strategy fee: None
Defined Protection Annuity 2.0
Nationwide Life Insurance Company · S&P 500 Index · AM Best A+
75% Participation
-5% floor · 1-year term
Annual strategy fee: None
Defined Protection Annuity 2.0
Nationwide Life Insurance Company · S&P 500 Index · AM Best A+
75% Participation
-10% floor · 1-year term
Annual strategy fee: None
Defined Protection Annuity 2.0
Nationwide Life Insurance Company · S&P 500 Index · AM Best A+
60% Participation
0% floor · 1-year term
Annual strategy fee: None
Defined Protection Annuity 2.0
Nationwide Life Insurance Company · S&P 500 Index · AM Best A+
60% Participation
-5% floor · 1-year term
Annual strategy fee: None
This week
Rate movements
Significant guaranteed-rate and indexed-crediting changes detected from the CANNEX daily refresh.
FIAFirst observed Aug 27, 2026
EverGuard Assurance 10 — rate added
Talcott Financial Group - Cap rate rate added at 5.00% · S&P 500 Engle 15% VT TCA (USD) ER · Annual across 2 options
Annual
FIAFirst observed Aug 27, 2026
EverGuard Assurance 10 — rate added
Talcott Financial Group - Cap rate rate added at 5.50% · S&P 500 Engle 15% VT TCA (USD) ER · Annual
S&P 500 Engle 15% VT TCA (USD) ER · Annual
FIAFirst observed Aug 27, 2026
EverGuard Assurance 10 — rate added
Talcott Financial Group - Participation rate rate added at 100.00% · S&P 500 Engle 15% VT TCA (USD) ER · Annual across 3 options
Annual
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
In context
Today's best MYGA vs. a CD benchmark
A multi-year guaranteed annuity locks a guaranteed rate like a CD, but it is tax-deferred and backed by the issuing insurer rather than FDIC insurance.
6.30%
Top 5-year MYGA guaranteed rate
Mountain Life Insurance Company · AM Best B+ · CANNEX
vs
1.36%
FDIC national 60-month CD rate
Benchmark only · not CANNEX · August 2026
CD benchmark source: FDIC national rates via FRED. The displayed MYGA rate is 4.94 percentage points above this benchmark. CDs may be FDIC or NCUA insured when held at eligible institutions and within applicable limits; annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.
Know before you buy
What counts as a good annuity rate?
Rate is not everything
A higher rate from a lower-rated carrier can be a different tradeoff than a lower rate from an A-rated carrier. AM Best is shown with every carrier rate listing.
Match the term
A longer MYGA term can pay more, but it also locks the surrender period longer. Compare terms against your actual timeline.
Read the metric label
Guaranteed rate, cap, participation rate, spread, bonus, and roll-up rate are separate numbers. The tables label the metric, basis, and term.
Get the best rate matched to you
Confirm rates for your state, premium, age, and term in a personalized comparison.
Get my rate reportBest annuity rates FAQ
What is the best annuity rate today?
The best annuity rate depends on product type, term, state, premium band, and carrier rating. This page shows today's top MYGA guaranteed rates and separate S&P 500 1-year FIA cap, participation-rate, and performance-trigger rankings from CANNEX with AM Best ratings and an as-of date.
Why are MYGA rates and FIA caps shown separately?
A MYGA rate is a guaranteed fixed rate for a term. An FIA cap is an index-crediting limit, not a guaranteed yield. They are different metrics and should not be ranked in one column.
Are annuity rates FDIC insured?
No. Annuity guarantees are backed by the issuing insurance carrier's claims-paying ability. The CD benchmark is shown only for context and is not part of the CANNEX annuity data.
Sources and data: all annuity rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of August 27, 2026. The CD figure is the FDIC national 60-month CD benchmark via FRED, not a CANNEX rate. Rates vary by state, premium band, and issue age; caps and participation rates can change. Educational only - not advice, a quote, or a carrier-approved illustration.
Best FIA rates by crediting metric
Best by carrier strength