20-Year MYGA Rates: The Full Market Table
Every visible 20-year multi-year guaranteed annuity rate in the CANNEX feed - 2 rates across 1 carriers, as of August 7, 2026. Ranked by comparable annual rate with AM Best ratings and premium bands; step products use full-term annual yield and retain their first-year and renewal context.
5.19%
Top 20-year rate
4.40%
Market average
3.60%
Median rate
2
Rates listed
top 20-year rate: 5.19% from Atlantic Coast Life (AM Best B).
All 20-year MYGA rates, filterable
The complete 20-year table at a $100,000 premium, as of August 7, 2026. 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 20-year MYGA rates.
Showing 2 of 2 20-year MYGA rates.
| # | Carrier | Product | 20-Year Comparable Annual Rate | AM Best | Premium |
|---|---|---|---|---|---|
| 1 | Atlantic Coast Life | Safe Harbor Bonus GuaranteeCompound-equivalent annual rate · 8.75% simple interest quoted | 5.19% | B | Varies |
| 2 | Atlantic Coast Life | Safe Haven Bonus GuaranteeCompound-equivalent annual rate · 5.15% simple interest quoted | 3.60% | B | Varies |
25th-75th percentile band: 3.60% to 3.60%. Lowest listed rate: 3.60%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.
The 20-year MYGA rate index
The 20-year index value is temporarily unavailable. Daily benchmarks are available on the Annuity Rate Index.
Broader movement across all terms and product types is tracked on rate changes.
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MYGA rates by term
20-year MYGA rates FAQ
What is a 20-year MYGA?
A 20-year MYGA (multi-year guaranteed annuity) is a fixed annuity with contractually guaranteed interest for a 20-year guarantee period. Flat products show their level guaranteed rate; step products show their full-term annual yield with the first-year and renewal schedule, not a cap, participation rate, or illustration.
How is this different from the Best 20-Year MYGA Rates page?
The best-rates page ranks the top 25 20-year products. This hub shows the full visible 20-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 2 20-year rates from the feed.
Why do 20-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 20-year rate locked for the whole term?
Most 20-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 20-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of August 7, 2026, 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.