Annuity carrier
American General Life Insurance Co
AM Best A · 14 MYGA · 16 FIA in dated feed
Comparable MYGA rate · 5-year guaranteed rate
5.1%
CANNEX via AdvisorWorld · rates as of July 21, 2026
Dated carrier comparison
American General Life Insurance Co vs Western Southern Life Assurance Company
Carrier-level comparison using dated AM Best ratings, dated MYGA rates, product-lineup depth, and sourced disclosures.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
Dated last-known-good data · rates as of July 21, 2026.
View carrier profile
VS
Annuity carrier
Western Southern Life Assurance Company
AM Best A+ · 4 MYGA in dated feed
Comparable MYGA rate · 5-year guaranteed rate
4.5%
CANNEX via AdvisorWorld · rates as of July 21, 2026
Auto-verdict
American General Life Insurance Co leads on 5-year MYGA rate, 3-year MYGA rate, 7-year MYGA rate; Western Southern Life Assurance Company leads on carrier strength. This compares the displayed dated metrics only and is not a personalized recommendation.
- On 5-year MYGA rate, American General Life Insurance Co has the higher figure (5.1% · 5-year guaranteed rate · American Pathway Advisory vs 4.5% · 5-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower.
- On 3-year MYGA rate, American General Life Insurance Co has the higher figure (5.7% · 3-year guaranteed rate · American Pathway Fixed 7 Annuity vs 4.25% · 3-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower.
- On 7-year MYGA rate, American General Life Insurance Co has the higher figure (5.1% · 7-year guaranteed rate · American Pathway Advisory vs 4.3% · 7-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower.
- On carrier strength, Western Southern Life Assurance Company has the higher figure (A+ AM Best vs A AM Best); American General Life Insurance Co is lower.
Auto-generated from the displayed dated data only, not a recommendation.
Dated side by side
Compare on the numbers
Only metrics for product types both carriers sell are shown. Missing applicable values show unavailable.
| Metric | American General Life Insurance Co | Western Southern Life Assurance Company |
|---|---|---|
| AM Best ratingCarrier financial strength from the dated rate feed; higher rating rank is highlighted. | A AM Best CANNEX via AdvisorWorld · rates as of July 21, 2026 | A+ AM BestLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 5-year MYGA rateHighest dated 5-year guaranteed rate for each carrier at the same guarantee period. | 5.1% · 5-year guaranteed rate · American Pathway AdvisoryLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4.5% · 5-year guaranteed rate · Smartselect Two CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 3-year MYGA rateHighest dated 3-year guaranteed rate for each carrier at the same guarantee period. | 5.7% · 3-year guaranteed rate · American Pathway Fixed 7 AnnuityLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4.25% · 3-year guaranteed rate · Smartselect Two CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Best 7-year MYGA rateHighest dated 7-year guaranteed rate for each carrier at the same guarantee period. | 5.1% · 7-year guaranteed rate · American Pathway AdvisoryLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4.3% · 7-year guaranteed rate · Smartselect Two CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| MYGA products in dated feedDistinct MYGA products in the dated rate feed; the full shelf may be larger. | 14 MYGA products in dated feedLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4 MYGA products in dated feed CANNEX via AdvisorWorld · rates as of July 21, 2026 |
Dated lineups
Top products from each carrier
American General Life Insurance Co
Top MYGA products in dated feed
Top FIA products in dated feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Western Southern Life Assurance Company
Top MYGA products in dated feed
Rates: CANNEX via AdvisorWorld · rates as of July 21, 2026
Common questions
Decision FAQs from the same numbers
Is American General Life Insurance Co or Western Southern Life Assurance Company rated higher by AM Best?
On carrier strength, Western Southern Life Assurance Company has the higher figure (A+ AM Best vs A AM Best); American General Life Insurance Co is lower. AM Best measures the insurer's claims-paying ability, not product value, so consider it with the rates above.
Does American General Life Insurance Co or Western Southern Life Assurance Company have higher MYGA rates right now?
On 5-year MYGA rate, American General Life Insurance Co has the higher figure (5.1% · 5-year guaranteed rate · American Pathway Advisory vs 4.5% · 5-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower. On 3-year MYGA rate, American General Life Insurance Co has the higher figure (5.7% · 3-year guaranteed rate · American Pathway Fixed 7 Annuity vs 4.25% · 3-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower. On 7-year MYGA rate, American General Life Insurance Co has the higher figure (5.1% · 7-year guaranteed rate · American Pathway Advisory vs 4.3% · 7-year guaranteed rate · Smartselect Two); Western Southern Life Assurance Company is lower. Rates vary by state, premium band, and term, so confirm on each product page.
Who offers more annuity products, American General Life Insurance Co or Western Southern Life Assurance Company?
On MYGA lineup in the dated feed, American General Life Insurance Co has the higher figure (14 MYGA products in dated feed vs 4 MYGA products in dated feed); Western Southern Life Assurance Company is lower. These counts cover products in the dated 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 dated rate feed, a proxy for shelf breadth rather than a complete catalog.
Keep comparing
Related carrier comparisons
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 dated data; missing applicable values show unavailable.
The verdict is auto-generated from the displayed dated 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 dated 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.