Annuity carrier
Athene
AM Best A+ · 3 MYGA · 25 FIA in feed
Comparable MYGA rate · 5-year guaranteed rate
5.85%
CANNEX via AdvisorWorld · rates as of September 25, 2026
carrier comparison
Athene vs American General Life Insurance Co
Carrier-level comparison using AM Best ratings, MYGA rates and FIA caps, 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 September 25, 2026.
View carrier profile
VS
Annuity carrier
American General Life Insurance Co
AM Best A · 15 MYGA · 16 FIA in feed
Comparable MYGA rate · 5-year guaranteed rate
5.6%
CANNEX via AdvisorWorld · rates as of September 25, 2026
Auto-verdict
Athene leads on carrier strength, 5-year MYGA rate, 3-year MYGA rate; American General Life Insurance Co leads on MYGA lineup in the feed. This compares the displayed metrics only and is not a personalized recommendation.
- On carrier strength, Athene has the higher figure (A+ AM Best vs A AM Best); American General Life Insurance Co is lower.
- On 5-year MYGA rate, Athene has the higher figure (5.85% · 5-year guaranteed rate · Maxrate vs 5.6% · 5-year guaranteed rate · American Pathway Advisory); American General Life Insurance Co is lower.
- On 3-year MYGA rate, Athene has the higher figure (5.65% · 3-year guaranteed rate · Maxrate vs 5.6% · 3-year guaranteed rate · American Pathway Advisory); American General Life Insurance Co is lower.
- On MYGA lineup in the feed, American General Life Insurance Co has the higher figure (15 MYGA products in feed vs 3 MYGA products in feed); Athene 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 | Athene | American General Life Insurance Co |
|---|---|---|
| AM Best ratingCarrier financial strength from the rate feed; higher rating rank is highlighted. | A+ AM BestLeading CANNEX via AdvisorWorld · rates as of September 25, 2026 | A AM Best CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Best 5-year MYGA rateHighest 5-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of September 25, 2026 | CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Best 3-year MYGA rateHighest 3-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of September 25, 2026 | CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Best 7-year MYGA rateHighest 7-year guaranteed rate for each carrier at the same guarantee period. | CANNEX via AdvisorWorld · rates as of September 25, 2026 | CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| MYGA products in feedDistinct MYGA products in the rate feed; the full shelf may be larger. | 3 MYGA products in feed CANNEX via AdvisorWorld · rates as of September 25, 2026 | 15 MYGA products in feedLeading CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| Best S&P 500 annual capHighest annual point-to-point S&P 500 cap for each carrier in the FIA feed. | CANNEX via AdvisorWorld · rates as of September 25, 2026 | CANNEX via AdvisorWorld · rates as of September 25, 2026 |
| FIA products in feedDistinct FIA products in the rate feed; the full shelf may be larger. | 25 FIA products in feedLeading CANNEX via AdvisorWorld · rates as of September 25, 2026 | 16 FIA products in feed CANNEX via AdvisorWorld · rates as of September 25, 2026 |
lineups
Top products from each carrier
Athene
Top MYGA products in feed
Top FIA products in feed
Rates: CANNEX via AdvisorWorld · rates as of September 25, 2026
American General Life Insurance Co
Top MYGA products in feed
Top FIA products in feed
Rates: CANNEX via AdvisorWorld · rates as of September 25, 2026
Product-level matchups
Compare their products head to head
Common questions
Decision FAQs from the same numbers
Is Athene or American General Life Insurance Co rated higher by AM Best?
On carrier strength, Athene 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 Athene or American General Life Insurance Co have higher MYGA rates right now?
On 5-year MYGA rate, Athene has the higher figure (5.85% · 5-year guaranteed rate · Maxrate vs 5.6% · 5-year guaranteed rate · American Pathway Advisory); American General Life Insurance Co is lower. On 3-year MYGA rate, Athene has the higher figure (5.65% · 3-year guaranteed rate · Maxrate vs 5.6% · 3-year guaranteed rate · American Pathway Advisory); American General Life Insurance Co is lower. On 7-year MYGA rate, Athene has the higher figure (5.95% · 7-year guaranteed rate · Maxrate vs 5.6% · 7-year guaranteed rate · American Pathway Advisory); American General Life Insurance Co is lower. Rates vary by state, premium band, and term, so confirm on each product page.
Does Athene or American General Life Insurance Co have the higher S&P 500 cap?
On S&P 500 annual cap, Athene has the higher figure (12.75% · S&P 500 annual cap · Performance Elite 7 vs 12.25% · S&P 500 annual cap · Power Index Advisory); American General Life Insurance Co is lower. Caps and participation rates can change and vary by state and premium band.
Who offers more annuity products, Athene or American General Life Insurance Co?
On MYGA lineup in the feed, American General Life Insurance Co has the higher figure (15 MYGA products in feed vs 3 MYGA products in feed); Athene is lower. On FIA lineup in the feed, Athene has the higher figure (25 FIA products in feed vs 16 FIA products in feed); American General Life Insurance Co 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.
Keep comparing
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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.