Is an FIA cap the same as a MYGA guaranteed rate?
No. A MYGA rate is guaranteed for its stated term, while an FIA cap limits potential index-linked interest crediting and can change.
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Today’s annuity rate market, in one honest snapshot
See how current MYGA guaranteed rates vary by term, then examine separate FIA cap, participation, and verified income-withdrawal cohorts. These percentages describe different contract mechanics and are never treated as comparable returns.
Distribution view
Ranges and medians, not another product ranking
Grounded
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Explore current benchmark cohorts
Each page contains a server-rendered answer from the same cached data boundary, ready to cite without submitting a form.
Current 2-year MYGA rate range
A baked view of the leading eligible 2-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 3-year MYGA rate range
A baked view of the leading eligible 3-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 4-year MYGA rate range
A baked view of the leading eligible 4-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 5-year MYGA rate range
A baked view of the leading eligible 5-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 6-year MYGA rate range
A baked view of the leading eligible 6-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 7-year MYGA rate range
A baked view of the leading eligible 7-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 8-year MYGA rate range
A baked view of the leading eligible 8-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 9-year MYGA rate range
A baked view of the leading eligible 9-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent 10-year MYGA rate range
A baked view of the leading eligible 10-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See baked snapshotCurrent FIA S&P 500 cap rate range
The leading family-verified, no-fee annual S&P 500 point-to-point cap cohort.
See baked snapshotCurrent FIA S&P 500 participation rate range
The leading family-verified, no-cap annual S&P 500 participation-rate cohort.
See baked snapshotFIA withdrawal rate range at age 55, immediate election
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 55 and a 0-year hypothetical deferral.
See baked snapshotFIA withdrawal rate range at age 55, after 10 years
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 55 and a 10-year hypothetical deferral.
See baked snapshotFIA withdrawal rate range at age 60, immediate election
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 60 and a 0-year hypothetical deferral.
See baked snapshotFIA withdrawal rate range at age 60, after 10 years
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 60 and a 10-year hypothetical deferral.
See baked snapshotFIA withdrawal rate range at age 65, immediate election
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 65 and a 0-year hypothetical deferral.
See baked snapshotFIA withdrawal rate range at age 65, after 10 years
A baked range among up to ten verified leading FIA lifetime-withdrawal-rate rows for age 65 and a 10-year hypothetical deferral.
See baked snapshotMethodology
How the snapshot is calculated
Source. Every displayed market value comes from CANNEX via AdvisorWorld through AnnuityRatesHQ’s cached, timeout-protected public data boundary. Premium, state, age, and deferral are the user’s hypothetical inputs.
Cadence and freshness. Live reads revalidate on a regular cache cadence. The visible date comes only from the upstream sync_log; render times, capture timestamps, and carrier effective dates are never substituted.
Formula. Each metric is normalized, deduplicated inside a like-for-like cohort, sorted high to low, and limited to up to ten leading eligible observations. The median is the middle value, or the mean of the two middle values for an even sample. “Range” means the low-to-high span inside that leading sample—not a promised marketwide range.
Integrity. Product family is verified before FIA plausibility rules run. MYGA best-rate figures must remain inside 2%–9%. Implausible values and family mismatches are quarantined with a [rate-integrity] signal. Verified sentinel values render as “Uncapped,” never as 999%.
Metric boundaries. MYGA guaranteed rates, FIA caps, FIA participation rates, and FIA lifetime withdrawal rates remain separate. None is converted into or described as a generic return.
Permanent statistics. Cite the statistics hub’s dated 5-year MYGA top-rate statistic, annual S&P 500 FIA cap statistic, or annual S&P 500 FIA participation statistic when those metrics match the figure being discussed. The tool does not borrow a different hub statistic for FIA income.
How to cite this tool
A source line readers can verify
Suggested citation: “AnnuityRatesHQ, Annuity Rate Snapshot, CANNEX data via AdvisorWorld, annuityrateshq.com/market-rate-snapshot.” Link to the result permalink for the exact hypothetical inputs and include the grounded feed-freshness label shown with that verified result when it is available.
Include the exact metric and basis when citing a figure—for example, “5-year MYGA guaranteed rate” or “annual S&P 500 FIA participation rate.” Never shorten a cap, participation rate, or lifetime withdrawal rate to “return.”
Questions about the benchmarks
Keep unlike annuity rates separate
What does the FIA income range measure?
It is the range among up to ten verified leading FIA lifetime-withdrawal-rate rows for the selected state, age, and hypothetical deferral. It is not a yield or marketwide distribution.
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ExploreRate changes
Track movement in current feeds.
ExploreIncome comparison
Compare income paths for a hypothetical scenario.
ExploreTypes of annuities
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ExploreFixed index annuity guide
Learn how FIA caps and participation rates work.
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