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 August 6, 2026 - 25 products ranked
| # | Carrier | Product | S&P 500 1-Year Cap | Metric | Annual Strategy Fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Talcott Financial Group | EverGuard Aspire 7Model 2: Equity Focused (EF) — 30% allocation | 13.00% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 2 | Talcott Financial Group | EverGuard Aspire 10Model 2: Equity Focused (EF) — 30% allocation | 13.00% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 3 | Knighthead Life | Chartline 10CAP Amplifier Model Portfolio — 50% allocation | 12.50% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 4 | Talcott Financial Group | EverGuard Aspire 5Model 2: Equity Focused (EF) — 30% allocation | 12.50% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 5 | North American Company for Life and Health Insurance | NAC Guaranteed Allocation 10Model Blend A — 20% allocation | 12.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 6 | Knighthead Life | Chartline 7CAP Amplifier Model Portfolio — 50% allocation | 12.25% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 7 | Knighthead Life | Chartline 5CAP Amplifier Model Portfolio — 50% allocation | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A- |
| 8 | North American Company for Life and Health Insurance | NAC Guaranteed Allocation 7Model Blend A — 20% allocation | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 9 | AuguStar Financial | Observatory Accumulation 10Alpha 20 — 20% allocation | 12.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 10 | AuguStar Financial | Observatory Accumulation 7Alpha 20 — 20% allocation | 11.75% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 11 | Prudential Financial | PruSecure Advisor 7 | 11.55% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 12 | MassMutual Ascend Life Insurance Company | Index Protector 5 MVA | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A++ |
| 13 | North American Company for Life and Health Insurance | NAC Guaranteed Allocation 5Model Blend A — 20% allocation | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 14 | AuguStar Financial | Observatory Accumulation 5Alpha 20 — 20% allocation | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 15 | Prudential Financial | PruSecure Advisor 5 | 11.50% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 16 | Corebridge Financial | Power Index Advisory | 11.35% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 17 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory 5 | 11.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 18 | Americo Financial Life and Annuity Insurance Company | OptiMark 10 | 11.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 19 | Americo Financial Life and Annuity Insurance Company | OptiMark LT 10 | 11.00% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 20 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra 7 | 11.00% | cap · S&P 500 · 1-yr point-to-point | None | A+ |
| 21 | Corebridge Financial | Power Select Advisory | 10.85% | cap · S&P 500 · 1-yr point-to-point | None | A |
| 22 | Revol One Insurance Company | AccumRev FIA 5 | 10.75% | cap · S&P 500 · 1-yr point-to-point | None | B++ |
| 23 | Revol One Insurance Company | AccumRev FIA 7 | 10.75% | cap · S&P 500 · 1-yr point-to-point | None | B++ |
| 24 | Revol One Insurance Company | AccumRev FIA 10 | 10.75% | cap · S&P 500 · 1-yr point-to-point | None | B++ |
| 25 | Reliance Standard Life Insurance Company | Reliance Accumulator 10 | 10.75% | 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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