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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.
CANNEX data as of October 25, 2026 - 25 products ranked
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| # | Carrier | Product | S&P 500 1-Year Cap | Metric | Annual Strategy Fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | AuguStar Financial | Observatory Accumulation 10Alpha 20 — reported percentage 20% | 16.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 2 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory 5Growth Accelerator Strategy Fee Included | 15.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 3 | Fidelity and Guaranty | FG AccumulatorPlus 10Rider Charge Included | 14.25% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 4 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II 7Growth Accelerator Strategy Fee Included | 14.25% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 5 | Fidelity and Guaranty | FG AccumulatorPlus 7Rider Charge Included | 14.00% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 6 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II 5Growth Accelerator Strategy Fee Included | 13.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 7 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II 10Growth Accelerator Strategy Fee Included | 13.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 8 | Americo Financial Life and Annuity Insurance Company | Growth Commander 10(with fee) | 13.30% | cap · S&P 500 · 1-yr point-to-point | 1.50% | A |
| 9 | Security Benefit Life Insurance Company | Strategic Growth Annuity 10Rate Buy Up Feature (Strategy Fee Included) | 13.25% | cap · S&P 500 · 1-yr point-to-point | 0.95% | A- |
| 10 | Americo Financial Life and Annuity Insurance Company | Growth Commander 6(with fee) | 13.20% | cap · S&P 500 · 1-yr point-to-point | 1.50% | A |
| 11 | EquiTrust Life Insurance Company | MarketValue Index 10Rate Buy-Up Index Account with Annual Fee | 13.00% | cap · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 12 | Fidelity and Guaranty | Accelerator Plus 14Rider Charge Included | 12.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 13 | Athene Annuity and Life Company | Athene Performance Elite 7Strategy Fee Included | 12.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A+ |
| 14 | Athene Annuity and Life Company | Athene Performance Elite 7 PlusStrategy Fee Included | 12.75% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A+ |
| 15 | MassMutual Ascend Life Insurance Company | Index Protector 5 MVA | 12.75% | cap · S&P 500 · 1-yr point-to-point | None | A++ |
| 16 | Fidelity and Guaranty | Accelerator Plus 10Rider Charge Included | 12.50% | cap · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 17 | AuguStar Financial | Observatory Accumulation 10Alpha 40 — reported percentage 40% | 12.50% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 18 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory 5 | 12.25% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 19 | Corebridge Financial | Power Index Advisory | 12.25% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 20 | Symetra Life Insurance Company | Edge Elite 7 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 21 | Symetra Life Insurance Company | Edge Revolution 7 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 22 | EquiTrust Life Insurance Company | MarketSeven Index 7Rate Buy-Up Index Account with Annual Fee | 12.00% | cap · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 23 | Farmers Life Insurance Company | Farmers Harvest 10Enhanced Participation Rate | 11.75% | cap · S&P 500 · 1-yr point-to-point | 0.95% | B++ |
| 24 | AuguStar Financial | Observatory Accumulation 7Alpha 20 — reported percentage 20% | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 25 | Corebridge Financial | Power Select Advisory | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
Rankings based on CANNEX rate data verified as of the date shown above. Subject to change. Verify rates directly with carriers.
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