MYGAFirst observed Jun 26, 2026
Multi Select - availability added
Oxford Life Insurance Company - Announced fixed rate added at 5.25% across 2 options
Premium $0k-$100.0M
Now listed
Updated June 27, 2026 · live from CANNEX
Fixed Annuity Rates Today
Today's top fixed annuity rate
7.55% - Atlantic Coast Life, 10-year fixed annuity rate, AM Best B. Compare MYGA rates by term and carrier strength below.
Live MYGA rates
MYGA guaranteed fixed annuity rates are pulled from CANNEX through AdvisorWorld across 54 current MYGA carrier feeds. AM Best ratings are shown beside rates so the rate-strength tradeoff is visible.
6.03%
Top 3-year MYGA guaranteed rate
6.55%
Top 5-year MYGA guaranteed rate
6.99%
Top 7-year MYGA guaranteed rate
7.55%
Top 10-year MYGA guaranteed rate
MYGA rate finder
Compare fixed annuity rates by term, state, carrier, and AM Best rating
Choose a term and premium, then filter the live CANNEX feed by state availability, carrier, and minimum AM Best rating. The first page shows up to 25 matching products instead of one highlighted rate.
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Rates sourced from CANNEX Financial Exchanges. State filters return products available in that state when AdvisorWorld provides state-filtered results. Click any row for details. Updated dates appear in the expanded product detail when available; rate feed dates may vary by carrier.
Best fixed annuity rates
MYGA guaranteed rates by term
Ranked by guaranteed fixed rate within each term. Multiple carrier alternatives and AM Best ratings are shown so one high-rate carrier does not hide the strength tradeoff.
MYGA guaranteed rates
Best MYGA rates by term
Guaranteed rate · fixed account · top 20 alternatives for 3-, 5-, 7-, and 10-year terms · as of June 27, 2026
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.03% Guaranteed rate · fixed account · 3-year | B |
| 3-year | 2 | Canvas Annuity Canvas Future Fund | 6.00% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 3 | Mountain Life Insurance Company Alpine Horizon | 5.75% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 4 | Wichita National Life Insurance Security MYGA | 5.70% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 5 | Sentinel Security Life Personal Choice Annuity | 5.70% Guaranteed rate · fixed account · 3-year | B |
| 3-year | 6 | Atlantic Coast Life Safe Haven Bonus Guarantee | 5.68% Guaranteed rate · fixed account · 3-year | B |
| 3-year | 7 | CL Life and Annuity Insurance Company CL Sundance | 5.50% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 8 | Mountain Life Insurance Company Secure Summit | 5.50% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 9 | Axonic Insurance Services Waypoint MYGA | 5.45% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 10 | Corebridge Financial American Pathway Fixed 7 Annuity | 5.45% Guaranteed rate · fixed account · 3-year | A |
| 3-year | 11 | Axonic Insurance Services Incline Advisory MYGA | 5.40% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 12 | Revol One Financial DirectGrowth MYGA | 5.35% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 13 | Revol One Financial DirectGrowth MYGA California | 5.35% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 14 | Midland National Life Insurance Company Oak ADVantage | 5.35% Guaranteed rate · fixed account · 3-year | A+ |
| 3-year | 15 | Midland National Life Insurance Company Oak ADVantage Care | 5.35% Guaranteed rate · fixed account · 3-year | A+ |
| 3-year | 16 | Knighthead Life Staysail | 5.30% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 17 | Farmers Life Insurance Company Safeguard Plus | 5.30% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 18 | Axonic Insurance Services Incline MYGA | 5.25% Guaranteed rate · fixed account · 3-year | A- |
| 3-year | 19 | ELCO Mutual Life and Annuity Guardian Eagle | 5.25% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 20 | American National Insurance Company Palladium MYG Max | 5.25% Guaranteed rate · fixed account · 3-year | A |
| 5-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.55% Guaranteed rate · fixed account · 5-year | B |
| 5-year | 2 | Canvas Annuity Canvas Future Fund | 6.10% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 3 | Mountain Life Insurance Company Alpine Horizon | 6.10% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 4 | Wichita National Life Insurance Security MYGA | 6.10% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 5 | Gulf Guaranty Life Insurance Company Anchor MYGA | 6.00% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 6 | Sentinel Security Life Personal Choice Annuity | 5.95% Guaranteed rate · fixed account · 5-year | B |
| 5-year | 7 | Aspida Life Insurance Company Aspida Advisory MYGA | 5.85% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 8 | Atlantic Coast Life Safe Haven Bonus Guarantee | 5.85% Guaranteed rate · fixed account · 5-year | B |
| 5-year | 9 | Knighthead Life Staysail | 5.80% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 10 | Revol One Financial DirectGrowth MYGA | 5.80% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 11 | Revol One Financial DirectGrowth MYGA California | 5.80% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 12 | Axonic Insurance Services Incline Advisory MYGA | 5.75% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 13 | CL Life and Annuity Insurance Company CL Sundance | 5.70% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 14 | Axonic Insurance Services Waypoint MYGA | 5.70% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 15 | Farmers Life Insurance Company Safeguard Plus | 5.65% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 16 | Baltimore Life Companies IQumulate Single Premium Deferred Annuity | 5.60% Guaranteed rate · fixed account · 5-year | B++ |
| 5-year | 17 | Axonic Insurance Services Incline MYGA | 5.55% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 18 | Sagicor Life Insurance Company Milestone Max MYGA | 5.50% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 19 | Mountain Life Insurance Company Secure Summit | 5.50% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 20 | Midland National Life Insurance Company Oak ADVantage | 5.50% Guaranteed rate · fixed account · 5-year | A+ |
| 7-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 6.99% Guaranteed rate · fixed account · 7-year | B |
| 7-year | 2 | Canvas Annuity Canvas Future Fund | 6.20% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 3 | Knighthead Life Staysail | 6.05% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 4 | Aspida Life Insurance Company Aspida Advisory MYGA | 6.05% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 5 | Wichita National Life Insurance Security MYGA | 5.95% Guaranteed rate · fixed account · 7-year | B+ |
| 7-year | 6 | Sentinel Security Life Personal Choice Annuity | 5.95% Guaranteed rate · fixed account · 7-year | B |
| 7-year | 7 | Atlantic Coast Life Safe Haven Bonus Guarantee | 5.84% Guaranteed rate · fixed account · 7-year | B |
| 7-year | 8 | Revol One Financial DirectGrowth MYGA | 5.80% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 9 | Revol One Financial DirectGrowth MYGA California | 5.80% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 10 | Farmers Life Insurance Company Safeguard Plus | 5.60% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 11 | Baltimore Life Companies IQumulate Single Premium Deferred Annuity | 5.60% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 12 | Sagicor Life Insurance Company Milestone Max MYGA | 5.60% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 13 | Sagicor Life Insurance Company Milestone MYGA | 5.55% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 14 | Oxford Life Insurance Company Multi Select | 5.55% Guaranteed rate · fixed account · 7-year | A |
| 7-year | 15 | Axonic Insurance Services Waypoint MYGA | 5.50% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 16 | Mountain Life Insurance Company Secure Summit | 5.50% Guaranteed rate · fixed account · 7-year | B+ |
| 7-year | 17 | Aspida Life Insurance Company Synergy Choice MYGA | 5.50% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 18 | Americo Financial Life and Annuity Insurance Company Platinum Assure | 5.50% Guaranteed rate · fixed account · 7-year | A |
| 7-year | 19 | Aspida Life Insurance Company WealthLock MYGA | 5.50% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 20 | Heartland National Life Insurance Company Secure Rate MYGA | 5.45% Guaranteed rate · fixed account · 7-year | B++ |
| 10-year | 1 | Atlantic Coast Life Safe Harbor Bonus Guarantee | 7.55% Guaranteed rate · fixed account · 10-year | B |
| 10-year | 2 | Sentinel Security Life Personal Choice Annuity | 5.95% Guaranteed rate · fixed account · 10-year | B |
| 10-year | 3 | Wichita National Life Insurance Security MYGA | 5.90% Guaranteed rate · fixed account · 10-year | B+ |
| 10-year | 4 | Revol One Financial DirectGrowth MYGA | 5.80% Guaranteed rate · fixed account · 10-year | B++ |
| 10-year | 5 | Atlantic Coast Life Safe Haven Bonus Guarantee | 5.80% Guaranteed rate · fixed account · 10-year | B |
| 10-year | 6 | Farmers Life Insurance Company Safeguard Plus | 5.70% Guaranteed rate · fixed account · 10-year | B++ |
| 10-year | 7 | Royal Neighbors of America Multi-year Guarantee Annuity | 5.65% Guaranteed rate · fixed account · 10-year | A |
| 10-year | 8 | Heartland National Life Insurance Company Secure Rate MYGA | 5.55% Guaranteed rate · fixed account · 10-year | B++ |
| 10-year | 9 | Oceanview Life and Annuity Company Harbourview Multi-Year Guaranteed Annuity | 5.55% Guaranteed rate · fixed account · 10-year | A |
| 10-year | 10 | Axonic Insurance Services Waypoint MYGA | 5.50% Guaranteed rate · fixed account · 10-year | A- |
| 10-year | 11 | Mountain Life Insurance Company Secure Summit | 5.50% Guaranteed rate · fixed account · 10-year | B+ |
| 10-year | 12 | EquiTrust Life Insurance Company Certainty Select | 5.50% Guaranteed rate · fixed account · 10-year | B++ |
| 10-year | 13 | Talcott Financial Group EverStead MYGA | 5.50% Guaranteed rate · fixed account · 10-year | A- |
| 10-year | 14 | Delaware Life Pinnacle Plus MYGA | 5.45% Guaranteed rate · fixed account · 10-year | A- |
| 10-year | 15 | Axonic Insurance Services Incline Advisory MYGA | 5.40% Guaranteed rate · fixed account · 10-year | A- |
| 10-year | 16 | Reliance Standard Life Insurance Company Reliance Guarantee | 5.40% Guaranteed rate · fixed account · 10-year | A++ |
| 10-year | 17 | Oxford Life Insurance Company Multi Select | 5.35% Guaranteed rate · fixed account · 10-year | A |
| 10-year | 18 | American National Insurance Company Palladium MYG Max | 5.30% Guaranteed rate · fixed account · 10-year | A |
| 10-year | 19 | Oceanview Life and Annuity Company Sky Harbourview Multi-Year Guaranteed Annuity | 5.30% Guaranteed rate · fixed account · 10-year | A |
| 10-year | 20 | Axonic Insurance Services Incline MYGA | 5.25% Guaranteed rate · fixed account · 10-year | A- |
Source: CANNEX Financial Exchanges via AdvisorWorld public API, as of June 27, 2026. MYGA rates are guaranteed fixed rates for the stated term and vary by state, premium band, issue age, and carrier. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
This week
MYGA rate movements
Guaranteed fixed annuity rate changes detected from the CANNEX daily refresh.
MYGAFirst observed Jun 26, 2026
Multi Select - availability added
Oxford Life Insurance Company - Announced fixed rate added at 4.85%
Premium $0k-$100.0M
Now listed
MYGAFirst observed Jun 26, 2026
Stable Income Annuity - availability added
Nationwide Life Insurance Company - Announced fixed rate added at 2.60%
Premium $0k-$100.0M
Now listed
MYGAFirst observed Jun 26, 2026
Brighthouse Fixed Rate Annuity - availability added
Brighthouse Financial - Announced fixed rate added at 4.20%
Premium $0k-$100k
Now listed
Source: CANNEX daily refresh. MYGA movements reflect guaranteed or credited rate changes by term; availability can still vary by carrier, state, and premium band.
In context
Today's best MYGA vs. a CD benchmark
A multi-year guaranteed annuity locks a guaranteed rate like a CD, but it is tax-deferred and backed by the issuing insurer rather than FDIC insurance.
6.65%
Top 5-year MYGA guaranteed rate
Atlantic Coast Life · AM Best B · CANNEX
vs
Unavailable
FDIC national 60-month CD rate
Benchmark only · not CANNEX · date unavailable
CD benchmark source: FDIC national rates via FRED. CDs may be FDIC or NCUA insured when held at eligible institutions and within applicable limits; annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.
Fixed annuity basics
What is a MYGA?
Guaranteed fixed rate
A MYGA credits a declared fixed rate for the contract term. The rate shown is a guaranteed rate, not a cap, participation rate, or illustration.
Term matters
The surrender period usually lines up with the guarantee term. Compare 3-, 5-, 7-, and 10-year rates against your actual liquidity timeline.
Carrier strength matters
The guarantee depends on the issuing carrier's claims-paying ability. That is why AM Best appears beside the rate in every table row.
Get fixed annuity rates matched to you
See current MYGA rates for your state, premium, age, and term in a personalized comparison.
Get my rate reportFixed annuity rates FAQ
What are fixed annuity rates today?
Fixed annuity rates today are guaranteed MYGA rates declared by insurance carriers for a set term. This page shows live CANNEX-backed MYGA rates for 3-, 5-, 7-, and 10-year terms with AM Best ratings.
Are MYGA rates the same as fixed annuity rates?
For most people searching fixed annuity rates, yes: MYGA rates are multi-year guaranteed fixed annuity rates. The carrier guarantees the fixed interest rate for the stated term.
What is the best fixed annuity rate?
The best fixed annuity rate depends on term, state, premium band, issue age, and carrier strength. The table shows top alternatives per term so a higher rate from a lower-rated carrier is visible beside other options.
How do MYGA rates compare to CDs?
MYGAs and CDs both offer fixed rates for a term, but MYGA growth is tax-deferred and backed by the issuing insurer rather than FDIC insurance. The CD rate shown here is a benchmark, not a CANNEX annuity rate.
Are fixed annuity rates FDIC insured?
No. Fixed annuity guarantees are backed by the issuing insurance carrier's claims-paying ability. They are not bank deposits and are not FDIC insured.
Sources and data: all fixed annuity and MYGA rates are sourced from CANNEX Financial Exchanges through the AdvisorWorld public API, as of June 27, 2026. The CD figure is the FDIC national 60-month CD benchmark via FRED, not a CANNEX rate. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration.