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Example market rate snapshot

FIA 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.

Answer for this scenario

FIA lifetime withdrawal rate at age 65

10-year hypothetical deferral; leading family-verified FIA income rows

Leading high

14.05%

Allianz Life Insurance Company of North America · Retirement Foundation ADV · AM Best A+

Median of leading sample

11.21%

Observed numeric range

9%–14.05%

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”

CANNEX feed scanned July 15, 2026

Hypothetical inputs: $250,000 premium, TX, age 65, 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 MYGA6.1%Western-Southern Life Assurance Company · MultiRate · AM Best A+5%4.4%6.1%10
3-year MYGA6.8%Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B6%5.8%6.8%10
4-year MYGA6.05%Mountain Life Insurance Company · Alpine Horizon · AM Best B+5.25%5%6.05%10
5-year MYGA7.45%Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B6.25%6%7.45%10
6-year MYGA7.67%Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B5.5%5.3%7.67%10
7-year MYGA7.9%Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B6.2%6%7.9%10
8-year MYGA6%Mountain Life Insurance Company · Secure Summit · AM Best B+5.35%3.9%6%9
9-year MYGA5.4%Clear Spring Life and Annuity Company · Preserve Multi-Year Guaranteed Annuity · AM Best A-5.25%3.9%5.4%9
10-year MYGA8.65%Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B6.1%5.7%8.65%10

Annual S&P 500 cap

No-fee, one-year point-to-point FIA strategies

Leading high

10.5%

Revol One Financial · AccumRev FIA · AM Best B++

Median of sample

9.88%

Leading range

9%10.5%

Calculated from 10 leading eligible live observations after family and integrity checks.

Annual S&P 500 participation rate

No-cap, no-fee, one-year point-to-point FIA strategies

Leading high

54%

Sentinel Security Life · Accumulation Protector Plus Annuity · AM Best B

Median of sample

47%

Leading range

10%54%

Calculated from 10 leading eligible live observations after family and integrity checks.

FIA lifetime withdrawal rate at age 65

10-year hypothetical deferral; leading family-verified FIA income rows

Leading high

14.05%

Allianz Life Insurance Company of North America · Retirement Foundation ADV · AM Best A+

Median of sample

11.21%

Leading range

9%14.05%

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 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. Current availability can change, so cite the grounded feed-freshness label when it is present.