Best FIA Participation Rates
Top S&P 500 annual point-to-point participation rates for fixed indexed annuities, ranked by highest participation rate. A participation rate is the share of index gain used to calculate credits - not a guaranteed yield. Sourced from CANNEX.
CANNEX data as of August 25, 2026 - 25 products ranked
| # | Carrier | Product | S&P 500 1-Year Participation | Metric | Annual Strategy Fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Nassau Life and Annuity Company | Nassau Growth Annuity 10Strategy Fee Included | 73.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 2 | Nassau Life and Annuity Company | Nassau Growth Annuity 10Strategy Fee Included | 73.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 3 | Nassau Life and Annuity Company | Nassau Growth Annuity 9Strategy Fee Included | 73.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 4 | EquiTrust Life Insurance Company | MarketValue Index 10Rate Buy-Up Index Account with Annual Fee | 70.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 5 | Eagle Life Insurance Company | Eagle Select Focus 5Performance Rate Rider | 65.00% | participation · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 6 | Eagle Life Insurance Company | Eagle Select Focus 7Performance Rate Rider | 65.00% | participation · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 7 | Oceanview Life and Annuity Company | Harbourview Fixed Indexed Annuity 10 | 65.00% | participation · S&P 500 · 1-yr point-to-point | None | A |
| 8 | Oceanview Life and Annuity Company | Harbourview Fixed Indexed Annuity 7 | 65.00% | participation · S&P 500 · 1-yr point-to-point | None | A |
| 9 | Oceanview Life and Annuity Company | Harbourview Fixed Indexed Annuity 5 | 65.00% | participation · S&P 500 · 1-yr point-to-point | None | A |
| 10 | EquiTrust Life Insurance Company | MarketSeven Index 7Rate Buy-Up Index Account with Annual Fee | 65.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
| 11 | American National Insurance Company | Select Focus 5with Performance Rate Rider (with fee) | 65.00% | participation · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 12 | American National Insurance Company | Select Focus 7with Performance Rate Rider(with fee) | 65.00% | participation · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 13 | Midland National Life Insurance Company | Summit Laddered 71 Year — 25% allocation | 65.00% | participation · S&P 500 · 1-yr point-to-point | None | A+ |
| 14 | Security Benefit Life Insurance Company | Strategic Growth Annuity 10Rate Buy Up Feature (Strategy Fee Included) | 63.00% | participation · S&P 500 · 1-yr point-to-point | 0.95% | A- |
| 15 | Nassau Life and Annuity Company | Nassau Growth Annuity 10 | 62.00% | participation · S&P 500 · 1-yr point-to-point | None | B++ |
| 16 | Nassau Life and Annuity Company | Nassau Growth Annuity 10 | 62.00% | participation · S&P 500 · 1-yr point-to-point | None | B++ |
| 17 | Nassau Life and Annuity Company | Nassau Growth Annuity 9 | 62.00% | participation · S&P 500 · 1-yr point-to-point | None | B++ |
| 18 | Reliance Standard Life Insurance Company | Reliance Accumulator 10 | 62.00% | participation · S&P 500 · 1-yr point-to-point | None | A++ |
| 19 | Reliance Standard Life Insurance Company | Reliance Accumulator 7 | 61.00% | participation · S&P 500 · 1-yr point-to-point | None | A++ |
| 20 | American Equity Investment Life Insurance Company | American Equity AssetShield Bonus 5 - Option 1Performance Rate Rider | 60.00% | participation · S&P 500 · 1-yr point-to-point | 1.50% | A |
| 21 | SILAC Insurance Company | Denali 14 | 60.00% | participation · S&P 500 · 1-yr point-to-point | None | B+ |
| 22 | SILAC Insurance Company | Evolve 14 | 60.00% | participation · S&P 500 · 1-yr point-to-point | None | B+ |
| 23 | Oceanview Life and Annuity Company | Harbourview Fixed Indexed Annuity 3 | 60.00% | participation · S&P 500 · 1-yr point-to-point | None | A |
| 24 | Reliance Standard Life Insurance Company | Keystone Index Annuity 10 | 60.00% | participation · S&P 500 · 1-yr point-to-point | None | A++ |
| 25 | EquiTrust Life Insurance Company | MarketFive Index 5Rate Buy-Up Index Account with Annual Fee | 60.00% | participation · S&P 500 · 1-yr point-to-point | 1.00% | B++ |
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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FIA participation rate FAQ
Is a participation rate the return I earn?
No. A participation rate is the share of the index gain used to calculate your interest credit, subject to the contract terms. In a down index year the credit from this strategy is typically 0%. It is not a guaranteed yield and should not be compared directly to a MYGA rate or a CD rate.
Why are participation rates ranked separately from cap rates?
Participation rates, caps, spreads, fixed-account rates, and performance triggers are different crediting metrics. Ranking them in one column would be misleading, so this table ranks only S&P 500 annual point-to-point participation rates and the cap table ranks only caps.
Can participation rates change?
Yes. Carriers can reset participation rates on contract anniversaries, and new-business rates change with the CANNEX feed. The table shows current new-business rates, not a locked lifetime rate.