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Best Annuity Rates — October 27, 2026
6.50% - Canvas Annuity, 5-year MYGA, AM Best B++. Compare the latest verified rates across product types below.
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.
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 October 27, 2026
| Premium band | Rate date | Details | ||||
|---|---|---|---|---|---|---|
| 3-year #1 | 6.30% | $100,000+ | A | |||
| 3-year #2 | 6.10% | $100,000+ | A | |||
| 3-year #3 | 5.80% | $100,000+ | A- | |||
| 3-year #4 | 5.80% | $0+ | A+ | |||
| 3-year #5 | 5.80% | $0+ | A+ | |||
| 5-year #1 | 6.45% | $100,000+ | A- | |||
| 5-year #2 | 6.30% | $100,000+ | A- | |||
| 5-year #3 | 6.15% | $100,000+ | A+ | |||
| 5-year #4 | 6.15% | $100,000+ | A | |||
| 5-year #5 | 6.15% | $100,000+ | A- | |||
| 7-year #1 | 6.65% | $100,000+ | A- | |||
| 7-year #2 | 6.35% | $100,000+ | A- | |||
| 7-year #3 | 6.25% | $100,000+ | A- | |||
| 7-year #4 | 6.20% | $100,000+ | A+ | |||
| 7-year #5 | 6.20% | $100,000+ | A |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each comparable cap-rate cohort · as of October 27, 2026
S&P 500 · 1-yr point-to-point
Cap rate
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 10-year surrender | 16.00% Cap rate | S&P 500 | 1-yr point-to-point | None | A |
| 2 | 5-year surrender | 15.75% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 3 | 10-year surrender | 14.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 4 | 7-year surrender | 14.25% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 5 | 7-year surrender | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 5-year surrender | 13.75% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 7 | 10-year surrender | 13.75% Cap rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 8 | 10-year surrender | 13.30% Cap rate | S&P 500 | 1-yr point-to-point | 1.50% | A |
| 9 | 10-year surrender | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | 0.95% | A- |
| 10 | 6-year surrender | 13.20% Cap rate | S&P 500 | 1-yr point-to-point | 1.50% | A |
FIA participation rates
Best fixed index annuity S&P 500 participation rates
Ranked within each comparable participation-rate cohort · as of October 27, 2026
S&P 500 · 1-yr point-to-point
Participation rate
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 4-year surrender | 80.00% Participation rate | S&P 500 | 1-yr point-to-point | 3.00% | A- |
| 2 | 5-year surrender | 70.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 3 | 7-year surrender | 70.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 4 | 5-year surrender | 70.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 5 | 7-year surrender | 70.00% Participation rate | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 6 | 10-year surrender | 70.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A+ |
| 7 | 7-year surrender | 67.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 8 | 7-year surrender | 67.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 9 | 5-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
| 10 | 5-year surrender | 65.00% Participation rate | S&P 500 | 1-yr point-to-point | None | A |
S&P 500 · 2-Year
Participation rate
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 4-year surrender | 100.00% Participation rate | S&P 500 | 2-Year | 3.00% | A- |
| 2 | 5-year surrender | 85.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 3 | 7-year surrender | 85.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 4 | 5-year surrender | 85.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 5 | 7-year surrender | 85.00% Participation rate | S&P 500 | 2-Year | 1.25% | A |
| 6 | 10-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 7 | 10-year surrender | 80.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 8 | 7-year surrender | 78.00% Participation rate | S&P 500 | 2-Year | 1.00% | A |
| 9 | 10-year surrender | 75.00% Participation rate | S&P 500 | 2-Year | None | A |
| 10 | 5-year surrender | 75.00% Participation rate | S&P 500 | 2-Year | None | A |
Nasdaq-100 · 1-yr point-to-point
Participation rate
| 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
| 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 | 4-year surrender | 80.00% Participation rate | Nasdaq-100 | 2-Year | 3.00% | A- |
| 8 | 4-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | 1.00% | A- |
| 9 | 5-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
| 10 | 7-year surrender | 60.00% Participation rate | Nasdaq-100 | 2-Year | None | A- |
S&P 500 · 5-Year
Participation rate
| 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 | 5-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 7 | 5-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 8 | 10-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 9 | 9-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
| 10 | 5-year surrender | 90.00% Participation rate | S&P 500 | 5-Year | None | A |
S&P 500 · 3-Year
Participation rate
| 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 | 12-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 October 27, 2026
S&P 500 · 1-yr point-to-point
Performance trigger
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 5-year surrender | 14.00% Performance trigger | S&P 500 | 1-yr point-to-point | None | A+ |
| 2 | 7-year surrender | 14.00% 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 | 9.50% Performance trigger | S&P 500 | 1-yr point-to-point | 1.25% | A |
| 10 | 7-year surrender | 9.25% Performance trigger | S&P 500 | 1-yr point-to-point | 1.25% | A |
Nasdaq-100 · 1-yr point-to-point
Performance trigger
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | 7-year surrender | 9.75% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 2 | 7-year surrender | 9.75% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 3 | 5-year surrender | 9.50% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 4 | 5-year surrender | 9.50% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 5 | Jackson Fixed Index Accumulation Advisory 7 | 9.40% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 6 | Jackson Fixed Index Accumulation Advisory 5 | 9.20% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 7 | Jackson Fixed Index Accumulation 7 7-year surrender | 8.30% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 8 | Jackson Fixed Index Accumulation 5 5-year surrender | 8.25% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 9 | 5-year surrender | 8.25% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
| 10 | 7-year surrender | 8.25% Performance trigger | Nasdaq-100 | 1-yr point-to-point | None | A |
Dow Jones · 1-yr point-to-point
Performance trigger
| Rank | Carrier and product | Metric value | Index | Term | Annual strategy fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Jackson Fixed Index Accumulation Advisory 7 | 9.30% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 2 | Jackson Fixed Index Accumulation Advisory 5 | 9.10% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 3 | Jackson Fixed Index Accumulation 7 7-year surrender | 8.20% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 4 | Jackson Fixed Index Accumulation 5 5-year surrender | 8.15% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 5 | Jackson Protection Advantage 10 10-year surrender | 7.60% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 6 | Jackson Fixed Index Accumulation Advisory 5 | 7.15% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 7 | Jackson Fixed Index Accumulation Advisory 7 | 6.95% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 8 | 10-year surrender | 6.50% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 9 | 9-year surrender | 6.50% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
| 10 | 7-year surrender | 6.45% Performance trigger | Dow Jones | 1-yr point-to-point | None | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of October 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
Equitable Financial Life Insurance Company of America · S&P 500 Index · AM Best A
110% Participation
0% buffer · 1-year term
Annual strategy fee: None
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
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
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Rate movements
Significant guaranteed-rate and indexed-crediting changes detected from the CANNEX daily refresh.
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.
CD benchmark source: FDIC national rates via FRED. The displayed MYGA rate is 5.09 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.
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 latest verified annuity rate?
The best annuity rate depends on product type, term, state, premium band, and carrier rating. This page shows the latest verified 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 exact 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 October 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
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