Annual S&P 500 cap
No-fee, one-year point-to-point FIA strategies
No current rates met the selected category and rate checks. No zero or placeholder rate was substituted.
Example market rate snapshot
10-year MYGA rate range
A prepared view of the leading eligible 10-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
Answer for this scenario
10-year MYGA guaranteed rate
Leading eligible 10-year MYGA contracts at the hypothetical premium
No eligible observations passed the cohort, family, and integrity checks. No placeholder figure was substituted.
Current market dashboard
Separate benchmarks, never one generic “rate”
Data date unavailable
Hypothetical inputs: $250,000 premium, TX, age 60, 10-year income deferral. Premium scopes MYGA and FIA growth eligibility; FIA income results are scoped by state, age, and deferral, not premium.
MYGA guaranteed-rate curve
Each term is ranked only against MYGA guaranteed rates in the displayable 2%–9% band. FIA crediting terms are excluded.
| Guaranteed term | Leading high | Leading carrier / strength | Median of sample | Leading range | Live observations |
|---|---|---|---|---|---|
| 2-year MYGA | 6.25% | Western-Southern Life Assurance Company · MultiRate · AM Best A+ | 5.03% | 4.5%–6.25% | 10 |
| 3-year MYGA | 6.8% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6% | 5.85%–6.8% | 10 |
| 4-year MYGA | 6.15% | Western-Southern Life Assurance Company · MultiRate · AM Best A+ | 5.28% | 5%–6.15% | 10 |
| 5-year MYGA | 7.45% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.25% | 6.1%–7.45% | 10 |
| 6-year MYGA | Live cohort unavailable; no placeholder rate or carrier-strength claim. | ||||
| 7-year MYGA | Live cohort unavailable; no placeholder rate or carrier-strength claim. | ||||
| 8-year MYGA | Live cohort unavailable; no placeholder rate or carrier-strength claim. | ||||
| 9-year MYGA | Live cohort unavailable; no placeholder rate or carrier-strength claim. | ||||
| 10-year MYGA | Live cohort unavailable; no placeholder rate or carrier-strength claim. | ||||
Annual S&P 500 participation rate
No-cap, no-fee, one-year point-to-point FIA strategies
No current rates met the selected category and rate checks. No zero or placeholder rate was substituted.
FIA lifetime withdrawal rate at age 60
10-year hypothetical deferral; leading current FIA income strategies checked for the matching annuity type
Leading high
12.8%
Allianz Life Insurance Company of North America · Retirement Foundation ADV · AM Best A+
Median of sample
9.9%
Leading range
8.21%–12.8%
Calculated from 10 leading eligible live observations after family and integrity checks.
MYGA rates are guaranteed for the stated term, subject to contract terms. FIA caps and participation rates are point-in-time crediting mechanics—not yields or guaranteed returns—and can change. Lifetime withdrawal rates depend on rider rules and may involve fees. Availability and values vary by state, premium, age, product version, and election date. Guarantees rely on the issuing insurer’s claims-paying ability and are not FDIC-insured. Educational only; not financial advice, a quote, or a carrier-approved illustration.
What this example means
This answer uses CANNEX data delivered through AdvisorWorld. The focused metric stays inside its own product family, index, term, and calculation basis. The page never turns a MYGA guaranteed rate, FIA cap, FIA participation rate, or lifetime withdrawal rate into one generic return.
Stable context: cite the statistics hub’s 10-year MYGA top-rate statistic. The hub supplies the stable statistic link and immutable as-of verification record; this scenario keeps its leading-sample and hypothetical-input context.
Use the result permalink for the same hypothetical state, premium, age, and deferral inputs. Availability can change, so cite the displayed data date.