Multi-Year Guaranteed Annuity
Foundation Annuity
Corebridge Financial · AM Best A
7-year Guaranteed rate
5% guaranteed
CANNEX via AdvisorWorld · as of June 18, 2026
DB-backed product comparison
Foundation Annuity vs American Freedom Aspire 5
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
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VS
Multi-Year Guaranteed Annuity
American Freedom Aspire 5
MassMutual Ascend Life Insurance Company · AM Best A++
5-year Guaranteed rate
4.65% guaranteed
CANNEX via AdvisorWorld · as of June 18, 2026
Auto-verdict
Foundation Annuity leads on guaranteed fixed rate; American Freedom Aspire 5 leads on carrier strength, surrender period; liquidity and annual fee are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On guaranteed fixed rate, Foundation Annuity has the higher figure (5% 7-year guaranteed rate vs 4.65% 5-year guaranteed rate); American Freedom Aspire 5 is lower.
- On carrier strength, American Freedom Aspire 5 has the higher figure (A++ AM Best vs A AM Best); Foundation Annuity is lower.
- On surrender period, American Freedom Aspire 5 has the lower figure (5 years surrender period vs 7 years surrender period); Foundation Annuity is higher.
- On liquidity, both show 10%/yr free withdrawal.
- On annual fee, both show No annual fee returned.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Foundation Annuity | American Freedom Aspire 5 |
|---|---|---|
| Guaranteed fixed rateDisplayed MYGA guaranteed rate and term. | 5% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · as of June 18, 2026 | 4.65% 5-year guaranteed rate CANNEX via AdvisorWorld · as of June 18, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A AM Best CANNEX via AdvisorWorld · as of June 18, 2026 | A++ AM BestLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender period CANNEX via AdvisorWorld · as of June 18, 2026 | 5 years surrender periodLeading CANNEX via AdvisorWorld · as of June 18, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | No annual fee returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 | No annual fee returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 | No income rider returnedTie CANNEX via AdvisorWorld · as of June 18, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of June 18, 2026 | $100,000 minimum premiumTie CANNEX via AdvisorWorld · as of June 18, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's live guaranteed MYGA rate to the displayed term.
Foundation Annuity
5% guaranteed · 5-year term
American Freedom Aspire 5
4.65% guaranteed · 5-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Foundation Annuity$127,628
American Freedom Aspire 5$125,515
Foundation Annuity has the higher illustrated guaranteed value ($127,628 vs $125,515).
Illustrated interest: Foundation Annuity $27,628; American Freedom Aspire 5 $25,515.
Assumptions: annual compounding at the current guaranteed rate for the displayed term. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of June 18, 2026.
Common questions
Decision FAQs from the same numbers
Is Foundation Annuity or American Freedom Aspire 5 better for growth?
On guaranteed fixed rate, Foundation Annuity has the higher figure (5% 7-year guaranteed rate vs 4.65% 5-year guaranteed rate); American Freedom Aspire 5 is lower.
Is Foundation Annuity or American Freedom Aspire 5 better for income?
On income rider availability, both show No income rider returned. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Foundation Annuity or American Freedom Aspire 5 better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, American Freedom Aspire 5 has the lower figure (5 years surrender period vs 7 years surrender period); Foundation Annuity is higher. On annual fee, both show No annual fee returned.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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