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 2, 2026 - 7 products ranked
| # | Carrier | Product | S&P 500 1-Year Trigger | Metric | Annual Strategy Fee | AM Best |
|---|---|---|---|---|---|---|
| 1 | Fidelity and Guaranty | FG AccumulatorPlus 10Rider Charge Included | 8.50% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 2 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage Classic 10Enhanced with Allocation Charge | 8.25% | performance trigger · S&P 500 · 1-yr point-to-point | 0.95% | A+ |
| 3 | Fidelity and Guaranty | FG AccumulatorPlus 7Rider Charge Included | 8.25% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 4 | Fidelity and Guaranty | Accelerator Plus 14Rider Charge Included | 8.00% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 5 | Fidelity and Guaranty | Accelerator Plus 10Rider Charge Included | 7.75% | performance trigger · S&P 500 · 1-yr point-to-point | 1.25% | A |
| 6 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage+ 10Enhanced with Allocation Charge | 5.85% | performance trigger · S&P 500 · 1-yr point-to-point | 0.95% | A+ |
| 7 | Delaware Life | PrimeStart Bonus 10Enhanced (with Fee) | 5.75% | performance trigger · S&P 500 · 1-yr point-to-point | 1.00% | 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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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.