Annuity carrier
American Equity
AM Best A · 1 MYGA · 15 FIA in feed
Comparable MYGA rate · 5-year guaranteed rate
3.75%
CANNEX via AdvisorWorld · rates as of July 21, 2026
carrier comparison
American Equity vs Delaware Life
Carrier-level comparison using AM Best ratings, MYGA rates, product-lineup depth, and sourced disclosures.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
last-known-good data · rates as of July 21, 2026.
View carrier profile
VS
Annuity carrier
Delaware Life
AM Best A- · 3 MYGA · 10 FIA in feed
Comparable MYGA rate · 5-year guaranteed rate
5.4%
CANNEX via AdvisorWorld · rates as of July 21, 2026
Auto-verdict
American Equity leads on carrier strength; Delaware Life leads on 5-year MYGA rate, 3-year MYGA rate, MYGA lineup in the feed. This compares the displayed metrics only and is not a personalized recommendation.
- On carrier strength, American Equity has the higher figure (A AM Best vs A- AM Best); Delaware Life is lower.
- On 5-year MYGA rate, Delaware Life has the higher figure (5.4% · 5-year guaranteed rate · Apex MYGA vs 3.75% · 5-year guaranteed rate · Guaranteeshield); American Equity is lower.
- On 3-year MYGA rate, Delaware Life has the higher figure (5.05% · 3-year guaranteed rate · Apex MYGA vs 3.75% · 3-year guaranteed rate · Guaranteeshield); American Equity is lower.
- On MYGA lineup in the feed, Delaware Life has the higher figure (3 MYGA products in feed vs 1 MYGA product in feed); American Equity is lower.
Auto-generated from the displayed data only, not a recommendation.
side by side
Compare on the numbers
Only metrics for product types both carriers sell are shown. Missing applicable values show unavailable.
| Metric | American Equity | Delaware Life |
|---|---|---|
| AM Best ratingCarrier financial strength from the rate feed; higher rating rank is highlighted. | A AM BestLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | A- AM Best CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 5-year MYGA rateHighest 5-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of July 21, 2026 | CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 3-year MYGA rateHighest 3-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of July 21, 2026 | CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| MYGA products in feedDistinct MYGA products in the rate feed; the full shelf may be larger. | 1 MYGA product in feed CANNEX via AdvisorWorld · rates as of July 21, 2026 | 3 MYGA products in feedLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 |
lineups
Top products from each carrier
American Equity
Top MYGA products in feed
Top FIA products in feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Delaware Life
Top MYGA products in feed
Top FIA products in feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Common questions
Decision FAQs from the same numbers
Is American Equity or Delaware Life rated higher by AM Best?
On carrier strength, American Equity has the higher figure (A AM Best vs A- AM Best); Delaware Life is lower. AM Best measures the insurer's claims-paying ability, not product value, so consider it with the rates above.
Does American Equity or Delaware Life have higher MYGA rates right now?
On 5-year MYGA rate, Delaware Life has the higher figure (5.4% · 5-year guaranteed rate · Apex MYGA vs 3.75% · 5-year guaranteed rate · Guaranteeshield); American Equity is lower. On 3-year MYGA rate, Delaware Life has the higher figure (5.05% · 3-year guaranteed rate · Apex MYGA vs 3.75% · 3-year guaranteed rate · Guaranteeshield); American Equity is lower. Rates vary by state, premium band, and term, so confirm on each product page.
Who offers more annuity products, American Equity or Delaware Life?
On MYGA lineup in the feed, Delaware Life has the higher figure (3 MYGA products in feed vs 1 MYGA product in feed); American Equity is lower. These counts cover products in the rate feed, not every contract the carrier has ever issued.
How to read this comparison
Compare the carrier, then the contract.
A carrier comparison narrows the field; the product pages carry the surrender schedules, state availability, and rider mechanics that decide the actual fit.
Financial strength
Annuity guarantees are only as strong as the insurer behind them, so AM Best ratings appear beside the rates.
Rate context
MYGA winners use the same guarantee term on both sides. First-year or step rates can still be inspected by product, but never decide a cross-term carrier verdict.
Lineup depth
Product counts reflect the rate feed, a proxy for shelf breadth rather than a complete catalog.
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Disclosures and sources
Carrier and product figures are sourced from CANNEX via AdvisorWorld and labeled with their true source date. Comparisons are shown only for product types both carriers sell in the data; missing applicable values show unavailable.
The verdict is auto-generated from the displayed metrics only and is not a recommendation. MYGA rate winners compare the same guarantee period on both sides; a higher first-year or step rate is not ranked against a longer guarantee term. Product counts describe the feed, not every contract each carrier issues.
Rates vary by state, premium band, guarantee term, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the carrier comparison as a starting point.
Then open each carrier profile for ratings history and the available lineup, or go back to the market-wide rate tables.