Live Rates — Updated Daily
Today's Best Annuity Rates
Real rates from 63 carriers. No projections, no guesses — institutional CANNEX data.
S&P 500 Cap
13.00%
Annual P2P
Premium Bonus
29%
Day-1 Bonus
S&P 500 Par
110%
Participation
MYGA Rate
7.04%
7-Year Guaranteed
Highest S&P 500 Cap Rates
Annual point-to-point, 0% floor
| Carrier | Product | Cap Rate | AM Best |
|---|---|---|---|
| Global Atlantic | ForeAccumulation II Advisory | 13.00% | A |
| Americo | OptiMark LT | 12.30% | A |
| The Standard | Enhanced Choice Index Plus 7 | 12.00% | A |
| North American | Guaranteed Allocation | 12.00% | A+ |
| EquiTrust | MarketValue Index | 12.00% | B++ |
| MassMutual Ascend | Index Protector 5 MVA | 12.00% | A++ |
4 more — unlock with free report
Highest Premium Bonuses
Day-1 bonus credited to account — subject to vesting
| Carrier | Product | Bonus | Detail | AM Best |
|---|---|---|---|---|
| Athene | Performance Elite 15 Plus | 29% | 15yr surrender | A+ |
| Axonic | Trailhead FIA Plus Enhanced | 23% | 10yr surrender | A- |
| North American | Secure Horizon Plus | 22% | 10yr surrender | A+ |
| Athene | Performance Elite 10 Plus | 22% | 10yr surrender | A+ |
| Nassau | Bonus Annuity Plus | 21% | 10yr surrender | A- |
| AuguStar | OrionShield 10 with Bonus | 21% | 10yr surrender | A- |
4 more — unlock with free report
Highest Participation Rates
S&P 500 participation — uncapped upside potential
| Carrier | Product | Participation | AM Best |
|---|---|---|---|
| SILAC | Denali 14 | 110% | A- |
| SILAC | Evolve 14 | 110% | A- |
| Americo | Elite 5 | 103% | A |
| Farmers | Farmers Harvest | 100% | B++ |
2 more — unlock with free report
Best Guaranteed MYGA Rates
Locked rate, no market risk
| Carrier | Term | Rate | AM Best |
|---|---|---|---|
| Atlantic Coast Life | 7-Year | 7.04% | NR |
| Atlantic Coast Life | 5-Year | 6.65% | NR |
| Corebridge | 3-Year | 6.40% | A+ |
| Knighthead Life | 7-Year | 6.50% | A- |
| Knighthead Life | 5-Year | 6.30% | A- |
3 more — unlock with free report
Rates from CANNEX Financial Exchanges. Subject to change. Products may not be available in all states. Premium bonuses subject to vesting schedules.
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