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Best FIA Performance Trigger Rates
Top S&P 500 annual performance trigger rates for fixed indexed annuities, ranked by highest trigger rate. A trigger rate is a flat credit paid only when the index condition is met - not a guaranteed yield. Sourced from CANNEX.
CANNEX data as of October 25, 2026 - 25 products ranked
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| # | Carrier | Product | S&P 500 1-Year Trigger | Metric | Annual Strategy Fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra 5 | 14.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 2 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra 7 | 14.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 3 | Midland National Life Insurance Company | MNL RetireVantage 10 | 11.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 4 | Midland National Life Insurance Company | MNL Endeavor 8 | 10.50% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 5 | Midland National Life Insurance Company | Summit Edge 10Downside Protection Strategy | 10.50% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 6 | Midland National Life Insurance Company | Summit Edge 7Downside Protection Strategy | 10.25% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 7 | Midland National Life Insurance Company | Summit Discovery 7Downside Protection Strategy | 10.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 8 | Midland National Life Insurance Company | Summit Edge 5Downside Protection Strategy | 10.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 9 | Fidelity and Guaranty | FG AccumulatorPlus 10Rider Charge Included | 9.50% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 10 | Fidelity and Guaranty | FG AccumulatorPlus 7Rider Charge Included | 9.25% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 11 | Midland National Life Insurance Company | Summit Journey 10Downside Protection Strategy | 9.25% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 12 | Symetra Life Insurance Company | Edge Elite 7 | 9.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 13 | Symetra Life Insurance Company | Edge Revolution 7 | 9.00% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 14 | Pacific Life Insurance Company | Index Advisory 7 | 8.85% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 15 | Pacific Life Insurance Company | Index Advisory 5 | 8.75% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 16 | Lincoln Financial | Optiblend Advisory 5 | 8.75% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 17 | Corebridge Financial | Power Index Advisory | 8.75% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 18 | Pacific Life Insurance Company | Pacific Index Foundation 2 10 | 8.70% | performance trigger · S&P 500 · 1-yr point-to-point | None | A+ |
| 19 | Jackson National Life Insurance | MarketProtector Advisory | 8.60% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 20 | Jackson National Life Insurance | MarketProtector Advisory | 8.55% | performance trigger · S&P 500 · 1-yr point-to-point | None | A |
| 21 | Fidelity and Guaranty | Accelerator Plus 14Rider Charge Included | 8.50% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 22 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage Classic 10Enhanced with Allocation Charge | 8.50% | performance trigger · S&P 500 · 1-yr point-to-point | 0.95% | A+ |
| 23 | MassMutual Ascend Life Insurance Company | AssuranceSelect 7 Plus | 8.50% | performance trigger · S&P 500 · 1-yr point-to-point | None | A++ |
| 24 | MassMutual Ascend Life Insurance Company | AssuranceSelect 7 Plus | 8.50% | performance trigger · S&P 500 · 1-yr point-to-point | None | A++ |
| 25 | Lincoln Financial | Core Capital 5 | 8.50% | performance trigger · 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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Related Resources
FIA performance trigger FAQ
What is a performance trigger rate?
A performance trigger (or declared performance) rate is a flat credit the contract pays when the index meets the trigger condition over the crediting term - commonly a flat-or-positive S&P 500 return. If the condition is not met, the credit for that term is typically 0%.
Is a trigger rate a guaranteed yield?
No. The trigger rate is only credited when the index condition is met, so it is not a guaranteed fixed rate like a MYGA. It also is not a cap or a participation rate - those are separate crediting metrics ranked on their own pages.
How does a trigger strategy differ from a cap strategy?
A cap strategy credits the index gain up to the cap, so the credit varies with the index. A trigger strategy pays one declared rate whenever the condition is met, whether the index is up slightly or up a lot.
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