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3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the CANNEX feed - 100 rates across 54 carriers, as of November 12, 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.

6.10%

Top 3-year rate

5.09%

Market average

5.25%

Median rate

100

Rates listed

top 3-year rate: 6.10% from Mountain Life Insurance Company (AM Best B-).

Full market

All 3-year MYGA rates, filterable

The complete 3-year table at a $100,000 premium, as of November 12, 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.

AM Best

Carrier

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Showing 100 of 100 3-year MYGA rates.

#	Carrier	Product	3-Year Comparable Annual Rate	AM Best	Premium
1	Canvas Annuity	Canvas Future FundFlat rate	6.10%	B++	Varies
2	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.10%	B-	Varies
3	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.00%	B++	Varies
4	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	B	Varies
5	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	5.90%	B++	Varies
6	Wichita National Life Insurance	Security MYGAFlat rate	5.85%	B+	Varies
7	Mountain Life Insurance Company	Secure SummitFlat rate	5.85%	B-	Varies
8	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.80%	B++	Varies
9	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.80%	B++	Varies
10	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.75%	B++	Varies
11	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
12	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.70%	A+	Varies
13	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.70%	A+	Varies
14	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.65%	A+	$100,000+
15	Axonic Insurance Services	Waypoint MYGAFlat rate	5.65%	A-	$100,000+
16	Athene Annuity and Life Company	Athene MYGFlat rate	5.60%	A+	$100,000+
17	Corebridge Financial	American Pathway AdvisoryFlat rate	5.60%	A	$100,000 - $250,000
18	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.60%	A-	$100,000+
19	Knighthead Life	StaysailFlat rate	5.54%	A-	$100,000+
20	Corebridge Financial	Pathway ChoiceFlat rate	5.50%	A	$100,000 - $250,000
21	Axonic Insurance Services	Incline MYGAFlat rate	5.50%	A-	$100,000+
22	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.50%	B++	Varies
23	American National Insurance Company	Palladium MYG MaxFlat rate	5.45%	A	$100,000 - $250,000
24	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.45%	A-	$100,000+
25	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.40%	A+	$100,000+
26	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.40%	A+	$100,000 - $250,000
27	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.40%	A+	$100,000+
28	Symetra Life Insurance Company	Select MaxFlat rate	5.40%	A	$100,000 - $250,000
29	Delaware Life	Apex MYGAFlat rate	5.40%	A-	$100,000+
30	Delaware Life	Pinnacle Plus MYGAFlat rate	5.40%	A-	$100,000+
31	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.40%	A-	$100,000+
32	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.40%	A-	$100,000+
33	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
34	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.35%	A+	$100,000+
35	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.35%	A	$100,000+
36	Symetra Life Insurance Company	Select ProFlat rate	5.35%	A	$100,000 - $250,000
37	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.35%	A	$100,000+
38	Delaware Life	Apex ControlFlat rate	5.35%	A-	$100,000+
39	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
40	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.30%	A++	$100,000 - $1,500,000
41	American National Insurance Company	Palladium MYGFlat rate	5.30%	A	$100,000 - $250,000
42	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.30%	A-	$100,000+
43	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.25%	A++	$100,000+
44	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.25%	A++	$100,000 - $1,500,000
45	Pacific Life Insurance Company	Pacific HarborFlat rate	5.25%	A+	Up to $200,000
46	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.25%	A+	$100,000+
47	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	5.25%	A	$100,000 - $250,000
48	American National Insurance Company	Palladium Match MYGFlat rate	5.25%	A	$100,000 - $250,000
49	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.25%	A	$100,000 - $250,000
50	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.25%	A-	$100,000+
51	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.25%	B++	Varies
52	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
53	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
54	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.20%	A	$75,000+
55	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
56	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.20%	A-	$100,000+
57	Pacific Life Insurance Company	Expedition IIFlat rate	5.15%	A+	$100,000+
58	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.15%	A	$100,000+
59	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.15%	A-	$100,000+
60	Talcott Financial Group	EverStead MYGAFlat rate	5.15%	A-	$100,000 - $500,000
61	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.10%	A++	$100,000 - $1,000,000
62	Prudential Financial	Prudential WealthGuardFlat rate	5.10%	A+	$100,000+
63	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.10%	A+	$100,000+
64	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.10%	A	$100,000+
65	Oxford Life Insurance Company	Multi SelectFlat rate	5.10%	A	Varies
66	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.05%	A++	$100,000+
67	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	5.05%	A++	$100,000+
68	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.05%	A+	$100,000+
69	Corebridge Financial	Pathway Choice Focus NYFlat rate	5.05%	A	$100,000 - $250,000
70	AuguStar Financial	LunarLock MYGAFlat rate	5.05%	A	$100,000+
71	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.00%	A+	$100,000 - $500,000
72	AuguStar Financial	LunarLock PrimeFlat rate	5.00%	A	$100,000+
73	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
74	GCU Insurance	Triple Advantage PLUSFlat rate	5.00%	A-	$50,000+
75	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
76	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	4.95%	B++	Varies
77	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	4.90%	A	$100,000+
78	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	4.90%	A	Varies
79	The Standard	Multi-Choice AnnuityFlat rate	4.90%	A	$100,000+
80	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	4.90%	A	$100,000+
81	AuguStar Financial	LunarGuard MYGAFlat rate	4.90%	A	$100,000+
82	The Standard	Focused Growth AnnuityFlat rate	4.85%	A	$100,000+
83	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.75%	A+	$100,000+
84	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.75%	A	$100,000+
85	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.60%	A+	$100,000+
86	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.50%	A	$100,000+
87	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
88	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
89	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.20%	A	$100,000+
90	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	4.10%	A++	$100,000+
91	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	3.95%	A++	$100,000+
92	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
93	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
94	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	3.75%	A++	$100,000+
95	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
96	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
97	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
98	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
99	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
100	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies

25th-75th percentile band: 4.95% to 5.40%. 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

The 3-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

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 100 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 November 12, 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.

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Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

3-Year MYGA Rates: The Full Market Table

All 3-year MYGA rates, filterable

The 3-year MYGA rate index

Get 3-year MYGA rates matched to you

MYGA rates by term

3-year MYGA rates FAQ

What would you like your money to do?

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