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
FIA withdrawal rate range at age 60, after 10 years
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 60 and a 10-year hypothetical deferral.
Answer for this scenario
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 leading sample
9.9%
Observed numeric range
8.21%–12.8%
Observed among 10 leading eligible numeric 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”
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 | 9% | Mountain Life Insurance Company · Secure Summit · AM Best B+ | 5.8% | 5.45%–9% | 10 |
| 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 tracked-carrier coverage statistic. No matching 8/9-year or FIA-income hub aggregate is published, so coverage is context only and no other rate statistic is substituted.
Use the result permalink for the same hypothetical state, premium, age, and deferral inputs. Availability can change, so cite the displayed data date.