3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the CANNEX feed - 107 rates across 56 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.

6.00%

Top 3-year rate

4.91%

Market average

5.00%

Median rate

107

Rates listed

top 3-year rate: 6.00% from Sentinel Security Life (AM Best B).

Full market

All 3-year MYGA rates, filterable

The complete 3-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 3-year MYGA rates.

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Showing 107 of 107 3-year MYGA rates.

#	Carrier	Product	3-Year Comparable Annual Rate	AM Best	Premium
1	Canvas Annuity	Canvas Future FundFlat rate	6.00%	B++	Varies
2	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.00%	B+	Varies
3	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	B	Varies
4	Revol One Insurance Company	DirectGrowth MYGAFlat rate	5.85%	B++	Varies
5	Wichita National Life Insurance	Security MYGAFlat rate	5.85%	B+	Varies
6	Mountain Life Insurance Company	Secure SummitFlat rate	5.85%	B+	Varies
7	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.80%	B++	Varies
8	Atlantic Coast Life	Safe Haven Bonus GuaranteeFull-term annual yield · 6.45% first year / 5.45% renewal	5.78%	B	Varies
9	Knighthead Life	StaysailCompound-equivalent annual rate · 6.10% simple interest quoted	5.76%	A-	$100,000+
10	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	5.75%	B++	Varies
11	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
12	Corebridge Financial	American Pathway Fixed 7 AnnuityFull-term annual yield · 5.70% first year / 5.10% renewal	5.70%	A	$100,000+
13	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
14	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.50%	A+	Varies
15	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.50%	A+	Varies
16	Corebridge Financial	American Pathway Fixed 5 AnnuityFull-term annual yield · 5.50% first year / 5.10% renewal	5.50%	A	$100,000+
17	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
18	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.50%	B++	Varies
19	American Life & Security Corp	American ClassicFull-term annual yield · 5.80% first year / 5.35% renewal	5.50%	B++	Varies
20	Atlantic Coast Life	Safe Harbor Bonus GuaranteeCompound-equivalent annual rate · 5.80% simple interest quoted	5.49%	B	Varies
21	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.45%	A-	$100,000+
22	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
23	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
24	Axonic Insurance Services	Incline MYGAFlat rate	5.30%	A-	$100,000+
25	Pacific Life Insurance Company	Pacific HarborFlat rate	5.25%	A+	Up to $200,000
26	American National Insurance Company	Palladium MYG MaxFlat rate	5.25%	A	$100,000 - $250,000
27	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.25%	A-	$100,000+
28	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.25%	B++	Varies
29	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.20%	A+	$100,000 - $250,000
30	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.20%	A+	$100,000+
31	Symetra Life Insurance Company	Select MaxFlat rate	5.20%	A	$100,000 - $250,000
32	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
33	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
34	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.20%	A-	$100,000+
35	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.20%	B++	Varies
36	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.15%	A+	$100,000+
37	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.15%	A+	$100,000+
38	Symetra Life Insurance Company	Select ProFlat rate	5.15%	A	$100,000 - $250,000
39	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.15%	A-	$100,000+
40	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.15%	B++	Varies
41	Athene Annuity and Life Company	Athene MYGFlat rate	5.10%	A+	$100,000+
42	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.10%	A	$100,000+
43	American National Insurance Company	Palladium MYGFlat rate	5.10%	A	$100,000 - $250,000
44	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
45	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.10%	A	$100,000+
46	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.10%	A-	$100,000+
47	Pacific Life Insurance Company	Expedition IIFlat rate	5.05%	A+	$100,000+
48	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.05%	A+	$100,000+
49	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.05%	A	$100,000+
50	Oxford Life Insurance Company	Multi SelectFlat rate	5.05%	A	Varies
51	American National Insurance Company	Palladium Match MYGFlat rate	5.05%	A	$100,000 - $250,000
52	Delaware Life	Apex MYGAFlat rate	5.05%	A-	$100,000+
53	Delaware Life	Pinnacle Plus MYGAFlat rate	5.05%	A-	$100,000+
54	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.00%	A++	$100,000 - $1,000,000
55	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
56	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
57	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.00%	A-	$100,000+
58	GCU Insurance	Triple Advantage PLUSFlat rate	5.00%	A-	$50,000+
59	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	4.95%	A++	$100,000+
60	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.95%	A+	$100,000+
61	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	4.95%	A	$75,000+
62	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
63	Delaware Life	Apex ControlFlat rate	4.95%	A-	$100,000+
64	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.90%	A++	$100,000 - $1,500,000
65	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.90%	A+	$100,000 - $500,000
66	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	4.90%	A+	$100,000+
67	Sagicor Life Insurance Company	Milestone MYGAFlat rate	4.90%	A	$100,000+
68	Western-Southern Life Assurance Company	MultiRateFull-term annual yield · 6.20% first year / 4.20% renewal	4.86%	A+	Varies
69	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.85%	A++	$100,000+
70	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.85%	A++	$100,000 - $1,500,000
71	Talcott Financial Group	EverStead MYGAFlat rate	4.85%	A-	$100,000 - $500,000
72	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.80%	A	$100,000+
73	The Standard	Multi-Choice AnnuityFlat rate	4.80%	A	$100,000+
74	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	4.75%	A	$100,000+
75	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	4.75%	A	Varies
76	The Standard	Focused Growth AnnuityFlat rate	4.75%	A	$100,000+
77	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	4.75%	A	$100,000+
78	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
79	AuguStar Financial	LunarGuard MYGAFlat rate	4.70%	A	$100,000+
80	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.65%	A++	$100,000+
81	AuguStar Financial	LunarLock MYGAFlat rate	4.65%	A	$100,000+
82	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
83	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.60%	A	$100,000+
84	Integrity Life Insurance Company (W&S)	SPDA Series IIFull-term annual yield · 5.25% first year / 4.25% renewal	4.58%	A+	Varies
85	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
86	AuguStar Financial	LunarLock PrimeFlat rate	4.55%	A	$100,000+
87	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
88	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
89	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
90	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.40%	A+	$100,000+
91	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.35%	A	$100,000+
92	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.25%	A+	$100,000+
93	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	4.10%	A++	$100,000+
94	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
95	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.05%	A	$100,000 - $250,000
96	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.05%	A	$100,000+
97	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	3.95%	A++	$100,000+
98	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
99	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
100	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	3.75%	A++	$100,000+
101	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
102	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
103	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
104	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.45%	A++	$100,000+
105	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
106	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
107	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies

25th-75th percentile band: 4.65% to 5.25%. Lowest listed rate: 2.70%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 3-year MYGA rate index

5.77%Flat vs. prior observation

The MYGA 3-Year Rate Index averages the top 10 declared 3-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 4.91% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.51% → Aug 9, 2026: 5.74% · range 5.51%-5.74%

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

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MYGA rates by term

2-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 10-year MYGA ratesFull market table 20-year MYGA ratesFull market table

Best 3-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

3-year MYGA rates FAQ

What is a 3-year MYGA?

A 3-year MYGA (multi-year guaranteed annuity) is a fixed annuity with contractually guaranteed interest for a 3-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 3-Year MYGA Rates page?

The best-rates page ranks the top 25 3-year products. This hub shows the full visible 3-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 107 3-year rates from the feed.

Why do 3-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 3-year rate locked for the whole term?

Most 3-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 3-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.