Annual S&P 500 cap
No-fee, one-year point-to-point FIA strategies
No eligible live observations passed the cohort, product-family, and rate-integrity checks. No zero or placeholder rate was substituted.
Example market rate snapshot
Current 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.
Answer for this scenario
3-year MYGA guaranteed rate
Leading eligible 3-year MYGA contracts at the hypothetical premium
Leading high
6.8%
Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B
Median of leading sample
6%
Observed numeric range
5.8%–6.8%
Observed among 10 leading eligible numeric live observations; this is not a promised marketwide range. MYGA figures are guaranteed rates for the stated term. FIA caps, participation rates, and lifetime withdrawal rates are separate mechanics—not yields or guaranteed returns—and can change or depend on rider rules. 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.
Current market dashboard
Separate benchmarks, never one generic “rate”
Grounded feed freshness 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 | 6.1% | Western-Southern Life Assurance Company · MultiRate · AM Best A+ | 5% | 4.4%–6.1% | 10 |
| 3-year MYGA | 6.8% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6% | 5.8%–6.8% | 10 |
| 4-year MYGA | 6.05% | Mountain Life Insurance Company · Alpine Horizon · AM Best B+ | 5.25% | 5%–6.05% | 10 |
| 5-year MYGA | 7.45% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.25% | 6%–7.45% | 10 |
| 6-year MYGA | 7.67% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 5.5% | 5.3%–7.67% | 10 |
| 7-year MYGA | 7.9% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.2% | 6%–7.9% | 10 |
| 8-year MYGA | 6% | Mountain Life Insurance Company · Secure Summit · AM Best B+ | 5.35% | 3.9%–6% | 9 |
| 9-year MYGA | 5.4% | Clear Spring Life and Annuity Company · Preserve Multi-Year Guaranteed Annuity · AM Best A- | 5.25% | 3.9%–5.4% | 9 |
| 10-year MYGA | 8.65% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.1% | 5.7%–8.65% | 10 |
Annual S&P 500 participation rate
No-cap, no-fee, one-year point-to-point FIA strategies
No eligible live observations passed the cohort, product-family, and rate-integrity checks. No zero or placeholder rate was substituted.
FIA lifetime withdrawal rate at age 60
10-year hypothetical deferral; leading family-verified FIA income rows
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 baked answer means
The answer was generated on the server from cached CANNEX-via-AdvisorWorld reads. 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.
Permanent context: cite the statistics hub’s 3-year MYGA top-rate statistic. The hub is the permanent dated market citation; this scenario keeps its leading-sample and hypothetical-input context.
Use the result permalink for the same hypothetical state, premium, age, and deferral inputs. Current availability can change, so cite the grounded feed-freshness label when it is present.