10-Year MYGA Rates: The Full Market Table

Every visible 10-year multi-year guaranteed annuity rate in the CANNEX feed - 55 rates across 26 carriers, updated regularly from CANNEX. Ranked by guaranteed rate with AM Best ratings and premium bands, so mid-market and low-end rates are visible, not just the top of the leaderboard.

8.65%

Top 10-year rate

5.59%

Market average

5.55%

Median rate

Rates listed

top 10-year rate: 8.65% from Atlantic Coast Life (AM Best B).

Full market

All 10-year MYGA rates, filterable

The complete 10-year table at a $100,000 premium, updated regularly from CANNEX. Filter by minimum AM Best rating or carrier. For state- and premium-specific results, use the MYGA rate finder; for the ranked shortlist, see best 10-year MYGA rates.

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Showing 55 of 55 10-year MYGA rates.

#	Carrier	Product	10-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 8.65% first year / 7.65% renewal	8.65%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 8.45% first year / 7.45% renewal	8.45%	B	Varies
3	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.80% first year / 5.80% renewal	6.80%	B	Varies
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
5	Canvas Annuity	Canvas Future Fund 10 YearFlat rate	6.30%	B++	Varies
6	Revol One Financial	DirectGrowth MYGAFlat rate	6.25%	B++	Varies
7	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
8	Revol One Financial	DirectGrowth MYGAFlat rate	6.15%	B++	Varies
9	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.15%	B++	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.15%	B	Varies
11	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
12	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.05%	B++	Varies
13	Revol One Financial	DirectGrowth MYGAFlat rate	6.05%	B++	Varies
14	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
15	Wichita National Life Insurance	Security MYGAFlat rate	6.05%	B+	Varies
16	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
17	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.95%	B++	Varies
18	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
19	Wichita National Life Insurance	Security MYGAFlat rate	5.90%	B+	Varies
20	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.80%	A	$100,000+
21	Mountain Life Insurance Company	Secure SummitFlat rate	5.75%	B+	Varies
22	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.70%	B++	Varies
23	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.70%	B++	Varies
24	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.65%	A	$100,000+
25	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.65%	A	$100,000+
26	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.60%	B++	Varies
27	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.55%	A	$100,000+
28	Oxford Life Insurance Company	Multi SelectFlat rate	5.55%	A	Varies
29	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.55%	B++	Varies
30	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.55%	B++	Varies
31	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.50%	A++	Varies
32	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
33	Talcott Financial Group	EverStead MYGAFlat rate	5.50%	A-	$100,000 - $500,000
34	Mountain Life Insurance Company	Secure SummitFlat rate	5.50%	B+	Varies
35	Delaware Life	Pinnacle Plus MYGAFlat rate	5.45%	A-	$100,000+
36	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
37	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
38	American National Insurance Company	Palladium MYG MaxFlat rate	5.30%	A	$100,000 - $250,000
39	Axonic Insurance Services	Incline MYGAFlat rate	5.30%	A-	$100,000+
40	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 5.25% first year / 4.25% renewal	5.25%	A+	Varies
41	Lincoln Financial	MyGuarantee PlusFlat rate	5.25%	A	$100,000+
42	Lincoln Financial	Lincoln SelectFlat rate	5.20%	A	$100,000+
43	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
44	Corebridge Financial	American Pathway Vision MYGFlat rate	5.15%	A	$100,000+
45	American National Insurance Company	Palladium MYGFlat rate	5.15%	A	$100,000 - $250,000
46	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.00%	B++	Varies
47	NexAnnuity	Nex MYGAFlat rate	5.00%	B+	Varies
48	NexAnnuity	Nex MYGAFlat rate	4.85%	B+	Varies
49	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.80% first year / 4.05% renewal	4.80%	A+	Varies
50	The Standard	Focused Growth AnnuityFlat rate	4.70%	A	$100,000+
51	NexAnnuity	Nex MYGAFlat rate	4.70%	B+	Varies
52	Nationwide Life Insurance Company	Platinum EdgeFlat rate	4.25%	A+	Varies
53	American National Insurance Company	Palladium MYGFlat rate	4.15%	A	$100,000 - $250,000
54	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.70%	A-	$100,000 - $250,000
55	Corebridge Financial	Assured Edge Income AchieverFlat rate	2.00%	A	Varies

25th-75th percentile band: 5.20% to 6.05%. Lowest listed rate: 2.00%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 10-year MYGA rate index

6.18%+3 bps vs. prior observation

The MYGA 10-Year Rate Index averages the top 10 declared 10-year guaranteed rates in the CANNEX feed under the index's own premium scenario, so it tracks the competitive top of the market rather than the whole-market average of 5.59% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.86% → Aug 3, 2026: 6.08% · range 5.85%-6.08%

Broader movement across all terms and product types is tracked on rate changes.

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Confirm rates for your state, premium, and age in a personalized comparison - including premium bands not shown at the $100,000 default.

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MYGA rates by term

2-year MYGA ratesFull market table 3-year MYGA ratesFull market table 4-year MYGA ratesFull market table 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 7-year MYGA ratesFull market table 20-year MYGA ratesFull market table

Best 10-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

10-year MYGA rates FAQ

What is a 10-year MYGA?

A 10-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 10-year guarantee period. The rate shown is a guaranteed fixed rate, not a cap, participation rate, or illustration.

How is this different from the Best 10-Year MYGA Rates page?

The best-rates page ranks the top 25 10-year products. This hub shows the full visible 10-year market from the CANNEX feed - including mid-pack and low-end rates - with distribution stats so you can see where any quote falls. This page lists 55 10-year rates from the feed.

Why do 10-year MYGA rates differ so much across carriers?

Carriers price MYGA rates by financial-strength position, premium band, state approvals, and rate schedule. A higher rate often comes from a lower AM Best rated carrier, which is why the rating appears beside every rate in the table.

Is the 10-year rate locked for the whole term?

Most 10-year MYGAs credit one flat guaranteed rate for the full guarantee period. Some products use a step schedule with a different first-year rate; those products are labeled with their schedule in the table instead of being shown as a flat rate.

Are these rates FDIC insured?

No. MYGA guarantees are backed by the issuing insurance carrier's claims-paying ability, not FDIC insurance. State guaranty associations provide separate, limited coverage that varies by state.

Sources and data: all 10-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, updated regularly from CANNEX, at a $100,000 premium with no state filter. The rate index is computed from the same data and averages top declared rates only. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.