4-Year MYGA Rates: The Full Market Table
Every visible 4-year multi-year guaranteed annuity rate in the CANNEX feed - 33 rates across 20 carriers, as of October 2, 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.
6.05%
Top 4-year rate
5.12%
Market average
5.25%
Median rate
33
Rates listed
top 4-year rate: 6.05% from Oxford Life Insurance Company (AM Best A).
All 4-year MYGA rates, filterable
The complete 4-year table at a $100,000 premium, as of October 2, 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 4-year MYGA rates.
Showing 33 of 33 4-year MYGA rates.
25th-75th percentile band: 5.05% to 5.35%. Lowest listed rate: 3.25%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.
The 4-year MYGA rate index
The MYGA 4-Year Rate Index averages the top 10 declared 4-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 5.12% computed from the table above. Daily values and movement come from the Annuity Rate Index.
Aug 24, 2026: 5.00% → Oct 2, 2026: 5.54% · range 5.00%-5.54%
Broader movement across all terms and product types is tracked on rate changes.
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MYGA rates by term
4-year MYGA rates FAQ
What is a 4-year MYGA?
A 4-year MYGA (multi-year guaranteed annuity) is a fixed annuity with contractually guaranteed interest for a 4-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 4-Year MYGA Rates page?
The best-rates page ranks the top 25 4-year products. This hub shows the full visible 4-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 33 4-year rates from the feed.
Why do 4-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 4-year rate locked for the whole term?
Most 4-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 4-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of October 2, 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.