Multi-Year Guaranteed Annuity
Stable Income Annuity
Nationwide Life Insurance Company · AM Best A+
7-year annualized rate
2.6%
CANNEX via AdvisorWorld · rates as of October 16, 2026
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Annuity product comparison
Stable Income Annuity vs Brighthouse Fixed Rate Annuity
Compare rates, carrier ratings, liquidity, surrender terms, and rider features.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
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VS
Multi-Year Guaranteed Annuity
Brighthouse Fixed Rate Annuity
Brighthouse Financial · AM Best A
7-year annualized rate
5.35%
CANNEX via AdvisorWorld · rates as of October 16, 2026
MYGA rates in the cards, table, and verdict use the published $100,000 premium scenario. The tool below changes rates only where both products publish premium-band boundaries.
Auto-verdict
Stable Income Annuity leads on carrier strength, income rider availability; Brighthouse Fixed Rate Annuity leads on same-term MYGA rate; liquidity and surrender period are tied. This compares available accumulation metrics and is not a personalized recommendation.
- On carrier strength, Stable Income Annuity has the higher figure (A+ AM Best vs A AM Best); Brighthouse Fixed Rate Annuity is lower.
- On income rider availability, Stable Income Annuity has available rider information (1 income rider available vs No income rider listed).
- On same-term MYGA rate, Brighthouse Fixed Rate Annuity has the higher figure (5.35% 7-year annualized rate vs 2.6% 7-year annualized rate); Stable Income Annuity is lower.
- On liquidity, both show 10%/yr free withdrawal.
- On surrender period, both show 7 years surrender period.
Auto-generated from the displayed data, accumulation metrics only, not a recommendation.
side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Stable Income Annuity | Brighthouse Fixed Rate Annuity |
|---|---|---|
| MYGA rate and termAnnualized rates are ranked only at the same guarantee term. A step schedule without a full-term yield shows its published first-year and renewal facts. | 2.6% 7-year annualized rate CANNEX via AdvisorWorld · rates as of October 16, 2026 | 5.35% 7-year annualized rateLeading CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| AM Best ratingCarrier financial strength from the product/rating feed when available. | A+ AM BestLeading CANNEX via AdvisorWorld · rates as of October 16, 2026 | A AM Best CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| Free withdrawalAvailable annual free-withdrawal percentage for the product. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 16, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender periodTie CANNEX via AdvisorWorld · rates as of October 16, 2026 | 7 years surrender periodTie CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | No annual fee listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026 | No annual fee listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | 1 income rider availableLeading CANNEX via AdvisorWorld · rates as of October 16, 2026 | No income rider listed CANNEX via AdvisorWorld · rates as of October 16, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $25,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of October 16, 2026 | $25,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of October 16, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's source-normalized annualized rate over the same guarantee term.
2.6% annualized · 7-year term
Brighthouse Fixed Rate Annuity
5.35% annualized · 7-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Brighthouse Fixed Rate Annuity has the higher illustrated guaranteed value ($144,026 vs $119,683).
Illustrated interest: Stable Income Annuity $19,683; Brighthouse Fixed Rate Annuity $44,026.
Assumptions: the published whole-term annualized rate is applied for the shared term. A step schedule may credit differently each year. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.
Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of October 16, 2026.
Common questions
Decision FAQs from the same numbers
Is Stable Income Annuity or Brighthouse Fixed Rate Annuity better for growth?
On same-term MYGA rate, Brighthouse Fixed Rate Annuity has the higher figure (5.35% 7-year annualized rate vs 2.6% 7-year annualized rate); Stable Income Annuity is lower.
Is Stable Income Annuity or Brighthouse Fixed Rate Annuity better for income?
On income rider availability, Stable Income Annuity has available rider information (1 income rider available vs No income rider listed). Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Stable Income Annuity or Brighthouse Fixed Rate Annuity better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, both show 7 years surrender period. On annual fee, both show No annual fee listed.
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
Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.
The verdict is auto-generated from the available 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.
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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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