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Best MYGA Rates From A-Rated Carriers

Top 5-year multi-year guaranteed annuity rates limited to carriers rated A- or better by AM Best, ranked by highest guaranteed rate. Sourced from CANNEX.

CANNEX data as of July 14, 2026 - 25 products ranked

#CarrierProduct5-Year RateAM Best
1Knighthead LifeStaysail6.45%A-
2Knighthead LifeStaysail6.35%A-
3Knighthead LifeStaysail5.90%A-
4Aspida Life Insurance CompanyAspida Advisory MYGA5.85%A-
5Axonic Insurance ServicesWaypoint MYGA5.80%A-
6Knighthead LifeStaysail5.80%A-
7Axonic Insurance ServicesIncline Advisory MYGA5.75%A-
8Aspida Life Insurance CompanySynergy Choice MYGA5.65%A-
9Aspida Life Insurance CompanySynergy Choice MYGA5.55%A-
10Axonic Insurance ServicesIncline MYGA5.55%A-
11Midland National Life Insurance CompanyOak ADVantage5.50%A+
12Sagicor Life Insurance CompanyMilestone Max MYGA5.50%A-
13AuguStar FinancialLunarLock MYGA5.50%A
14AuguStar FinancialLunarLock MYGA5.50%A
15Royal Neighbors of AmericaMulti-year Guarantee Annuity5.50%A
16Midland National Life Insurance CompanyOak ADVantage Care5.50%A+
17Lincoln FinancialLincoln Select5.45%A
18Sagicor Life Insurance CompanyMilestone MYGA5.45%A-
19Aspida Life Insurance CompanySynergy Choice MYGA5.45%A-
20Americo Financial Life and Annuity Insurance CompanyPlatinum Assure5.45%A
21Americo Financial Life and Annuity Insurance CompanyPlatinum Assure5.45%A
22Clear Spring Life and Annuity CompanyPreserve Multi-Year Guaranteed Annuity5.45%A-
23Nationwide Life Insurance CompanySecure Growth5.40%A+
24Delaware LifeApex MYGA5.40%A-
25Delaware LifePinnacle Plus MYGA5.40%A-

Rankings based on live CANNEX rate data. Subject to change. Verify rates directly with carriers.

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A-rated MYGA rates FAQ

What counts as an A-rated carrier on this page?

This table only includes MYGA rows whose issuing carrier shows an AM Best financial-strength rating of A-, A, A+, or A++ in the current CANNEX feed. AM Best ratings measure claims-paying ability, not product quality.

Why filter MYGA rates by AM Best rating?

MYGA guarantees are backed by the issuing carrier, not the FDIC, so some buyers screen for higher-rated carriers first and accept that the top A-rated rate can be lower than the top rate from a lower-rated carrier. The unfiltered term pages show the full market for comparison.