Best FIA Cap Rates
Top S&P 500 annual point-to-point cap rates for fixed indexed annuities. Ranked by highest cap rate. Sourced from CANNEX.
Rates as of May 15, 2026 — 10 products ranked
| # | Carrier | Product | Cap Rate | Part. Rate | AM Best |
|---|---|---|---|---|---|
| 1 | The Standard | Enhanced Choice Index Plus 7 | 12.00% | 100% | A |
| 2 | EquiTrust Life Insurance Company | MarketValue Index | 12.00% | 100% | B++ |
| 3 | American Equity Investment Life Insurance Company | American Equity AssetShield 10 | 11.75% | 100% | A |
| 4 | American Equity Investment Life Insurance Company | American Equity AssetShield 9 | 11.75% | 100% | A |
| 5 | Security Benefit Life Insurance Company | Strategic Growth Annuity | 11.75% | 100% | A- |
| 6 | Farmers Life Insurance Company | Farmers Harvest | 11.75% | 100% | B++ |
| 7 | Americo Financial Life and Annuity Insurance Company | Growth Commander 10 | 11.70% | 100% | A |
| 8 | Americo Financial Life and Annuity Insurance Company | Growth Commander 6 | 11.60% | 100% | A |
| 9 | The Standard | Enhanced Choice Index Plus 5 | 11.50% | 100% | A |
| 10 | Athene Annuity and Life Company | Athene Performance Elite 7 | 11.50% | 100% | A+ |
Rankings based on live CANNEX rate data. Subject to change. Verify rates directly with carriers.
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