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Example market rate snapshot

5-year MYGA rate range

A prepared view of the leading eligible 5-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.

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Answer for this scenario

5-year MYGA guaranteed rate

Leading eligible 5-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”

CANNEX data current as of September 11, 2026

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 termLeading highLeading carrier / strengthMedian of sampleLeading rangeLive observations
2-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
3-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
4-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
5-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
6-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
7-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
8-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
9-year MYGALive cohort unavailable; no placeholder rate or carrier-strength claim.
10-year MYGALive 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

8.4%–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 5-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.

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Cite this

Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

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