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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 November 13, 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 | MassMutual Ascend Life Insurance Company | Index Protector 5 MVA | 12.75% | cap · S&P 500 · 1-yr point-to-point | None | A++ |
| 3 | Corebridge Financial | Power Index Advisory | 12.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 4 | Jackson National Life Insurance | Jackson Fixed Index Accumulation Advisory 7 | 12.60% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 5 | AuguStar Financial | Observatory Accumulation 10Alpha 40 — reported percentage 40% | 12.50% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 6 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory 5 | 12.25% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 7 | Corebridge Financial | Power Select Advisory | 12.25% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 8 | Jackson National Life Insurance | Jackson Fixed Index Accumulation Advisory 5 | 12.20% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 9 | Prudential Financial | PruSecure Advisor 7 | 12.05% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 10 | Symetra Life Insurance Company | Edge Elite 7 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 11 | Symetra Life Insurance Company | Edge Revolution 7 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 12 | Prudential Financial | PruSecure Advisor 5 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 13 | Mountain Life Insurance Company | Skyline Peak Advantage 5 | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | B- |
| 14 | Lincoln Financial | Core Capital 5 | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 15 | AuguStar Financial | Observatory Accumulation 7Alpha 20 — reported percentage 20% | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 16 | Lincoln Financial | Optiblend Advisory 5 | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 17 | Prudential Financial | PruSecure 7 | 11.55% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 18 | Symetra Life Insurance Company | Edge Elite 5 | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 19 | AuguStar Financial | Observatory Accumulation 5Alpha 20 — reported percentage 20% | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 20 | Pacific Life Insurance Company | Pacific Advisory Fixed Indexed Annuity | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 21 | Prudential Financial | PruSecure 5 | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 22 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra 5 | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 23 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra 7 | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 24 | Pacific Life Insurance Company | Pacific Index Foundation 2 10 | 11.35% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 25 | Pacific Life Insurance Company | Pacific Index Foundation 2 9 | 11.35% | 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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