5-Year MYGA Rates: The Full Market Table

Every visible 5-year multi-year guaranteed annuity rate in the CANNEX feed - 126 rates across 62 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.

6.45%

Top 5-year rate

5.48%

Market average

5.55%

Median rate

126

Rates listed

top 5-year rate: 6.45% from Mountain Life Insurance Company (AM Best B-).

Full market

All 5-year MYGA rates, filterable

The complete 5-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 5-year MYGA rates.

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Showing 126 of 126 5-year MYGA rates.

#	Carrier	Product	5-Year Comparable Annual Rate	AM Best	Premium
1	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.45%	B-	Varies
2	Canvas Annuity	Canvas Future FundFlat rate	6.40%	B++	Varies
3	Wichita National Life Insurance	Security MYGAFlat rate	6.40%	B+	Varies
4	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.35%	A-	$100,000+
5	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.25%	B++	Varies
6	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
7	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.15%	B++	Varies
8	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	6.15%	B++	Varies
9	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	6.10%	A-	$100,000+
10	Axonic Insurance Services	Waypoint MYGAFlat rate	6.10%	A-	$100,000+
11	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
12	Midland National Life Insurance Company	Oak ADVantageFlat rate	6.00%	A+	Varies
13	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	6.00%	A+	Varies
14	Oxford Life Insurance Company	Multi SelectFlat rate	6.00%	A	Varies
15	CL Life and Annuity Insurance Company	CL SundanceFlat rate	6.00%	B++	Varies
16	American Gulf	Anchor MYGAFlat rate	6.00%	B++	Varies
17	AuguStar Financial	LunarLock MYGAFlat rate	5.95%	A	$100,000+
18	Atlantic Coast Life	Safe Harbor Bonus GuaranteeFull-term annual yield · 7.45% first year / 6.45% renewal	5.91%	B	Varies
19	Lincoln Financial	Lincoln SelectFlat rate	5.90%	A	$100,000+
20	AuguStar Financial	LunarLock PrimeFlat rate	5.90%	A	$100,000+
21	Atlantic Coast Life	Safe Haven Bonus GuaranteeFull-term annual yield · 6.70% first year / 5.70% renewal	5.90%	B	Varies
22	Mountain Life Insurance Company	Secure SummitFlat rate	5.90%	B-	Varies
23	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.85%	A++	Varies
24	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.85%	A++	Varies
25	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.85%	A+	$100,000+
26	Protective Life Insurance Company	SecureSaverFlat rate	5.85%	A+	$75,000+
27	Athene Annuity and Life Company	Athene MYGFlat rate	5.85%	A+	$100,000+
28	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.85%	A+	$100,000+
29	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.85%	A+	$100,000+
30	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.85%	A-	$100,000+
31	Axonic Insurance Services	Incline MYGAFlat rate	5.85%	A-	$100,000+
32	Knighthead Life	StaysailCompound-equivalent annual rate · 6.55% simple interest quoted	5.83%	A-	$100,000+
33	American Life & Security Corp	American ClassicFull-term annual yield · 6.30% first year / 5.70% renewal	5.82%	B++	Varies
34	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.80%	A+	$100,000 - $250,000
35	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.80%	A+	$100,000+
36	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.80%	A-	$100,000+
37	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.80%	B++	Varies
38	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
39	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.75%	A+	$100,000+
40	Symetra Life Insurance Company	Select MaxFlat rate	5.75%	A	$100,000 - $250,000
41	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.75%	A	$100,000+
42	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.75%	A	$75,000+
43	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.75%	A	$100,000+
44	Delaware Life	Apex MYGAFlat rate	5.75%	A-	$100,000+
45	Delaware Life	Pinnacle Plus MYGAFlat rate	5.75%	A-	$100,000+
46	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
47	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
48	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.70%	A++	Varies
49	Prudential Financial	Prudential WealthGuardFlat rate	5.70%	A+	$100,000+
50	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.70%	A	$100,000+
51	AuguStar Financial	LunarGuard MYGAFlat rate	5.70%	A	$100,000+
52	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.70%	A-	$100,000+
53	Delaware Life	Apex ControlFlat rate	5.70%	A-	$100,000+
54	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.70%	B++	Varies
55	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.65%	A	$100,000+
56	American National Insurance Company	Palladium MYG MaxFlat rate	5.65%	A	$100,000 - $250,000
57	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.65%	A	$100,000+
58	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.65%	A-	$100,000+
59	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.60%	A+	$100,000+
60	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.60%	A+	Varies
61	Symetra Life Insurance Company	Select ProFlat rate	5.60%	A	$100,000 - $250,000
62	Corebridge Financial	American Pathway AdvisoryFlat rate	5.60%	A	$100,000 - $250,000
63	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.60%	A-	$100,000+
64	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.55%	A++	$100,000 - $1,000,000
65	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.55%	A+	$100,000 - $500,000
66	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.55%	A+	$100,000+
67	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.55%	A	$100,000+
68	American National Insurance Company	Palladium MYGFlat rate	5.55%	A	$100,000 - $250,000
69	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.55%	A	Varies
70	Corebridge Financial	Foundation AnnuityFlat rate	5.55%	A	$100,000+
71	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.55%	B++	Varies
72	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.55%	B++	Varies
73	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.50%	A++	$100,000+
74	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.50%	A	$100,000+
75	Corebridge Financial	First Choice 5Flat rate	5.50%	A	$100,000+
76	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.50%	A	$100,000+
77	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	5.50%	A	$100,000 - $250,000
78	American National Insurance Company	Palladium Match MYGFlat rate	5.50%	A	$100,000 - $250,000
79	Corebridge Financial	Pathway ChoiceFlat rate	5.50%	A	$100,000 - $250,000
80	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.50%	A-	$100,000+
81	Talcott Financial Group	EverStead MYGAFlat rate	5.50%	A-	$100,000 - $500,000
82	Pacific Life Insurance Company	Pacific HarborFlat rate	5.45%	A+	Up to $200,000
83	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.45%	A	$100,000+
84	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.45%	A-	$100,000+
85	Pacific Life Insurance Company	Expedition IIFlat rate	5.40%	A+	$100,000+
86	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.40%	A	$100,000+
87	The Standard	Multi-Choice AnnuityFlat rate	5.40%	A	$100,000+
88	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
89	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.35%	A++	$100,000 - $1,500,000
90	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.35%	A++	Up to $250,000
91	Protective Life Insurance Company	Smart Saver NYFlat rate	5.35%	A+	$100,000+
92	The Standard	Focused Growth AnnuityFlat rate	5.35%	A	$100,000+
93	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.35%	A	$100,000 - $250,000
94	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.30%	A++	$100,000+
95	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.30%	A++	$100,000 - $1,500,000
96	Lincoln Financial	MyGuarantee PlusFlat rate	5.30%	A	$100,000+
97	Corebridge Financial	American Pathway Vision MYGFlat rate	5.30%	A	$100,000+
98	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.25%	A	$100,000+
99	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.25%	A	Varies
100	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.25%	A	$100,000+
101	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.25%	B++	Varies
102	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
103	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	5.15%	A+	$100,000+
104	Corebridge Financial	Pathway Choice Focus NYFlat rate	5.15%	A	$100,000 - $250,000
105	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	5.10%	A++	$100,000+
106	Western-Southern Life Assurance Company	SmartSelectFlat rate	5.05%	A+	$100,000+
107	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.05%	A	$100,000+
108	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	5.00%	A++	$100,000+
109	Western-Southern Life Assurance Company	MultiRateFull-term annual yield · 6.55% first year / 4.55% renewal	4.95%	A+	Varies
110	Integrity Life Insurance Company (W&S)	New MomentumFull-term annual yield · 5.50% first year / 4.75% renewal	4.90%	A+	Varies
111	Integrity Life Insurance Company (W&S)	MultiVantageFull-term annual yield · 5.65% first year / 4.65% renewal	4.85%	A+	Varies
112	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.80%	A	$100,000+
113	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
114	Integrity Life Insurance Company (W&S)	SPDA Series IIFull-term annual yield · 5.55% first year / 4.55% renewal	4.75%	A+	Varies
115	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
116	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	4.65%	A++	$100,000+
117	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	4.60%	A++	$100,000+
118	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
119	American National Insurance Company	WealthQuest Citadel 5 DiamondFull-term annual yield · 5.15% first year / 4.15% renewal	4.35%	A	$100,000+
120	ELCO Mutual Life and Annuity	Guardian Eagle FlexFlat rate	4.25%	B++	Varies
121	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
122	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
123	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
124	Nationwide Life Insurance Company	Platinum EdgeFlat rate	3.50%	A+	Varies
125	Investors Heritage	Heritage Builder AnnuityFlat rate	3.50%	B++	Varies
126	SILAC Insurance Company	Secure SavingsFlat rate	3.45%	B+	Varies

25th-75th percentile band: 5.30% to 5.82%. Lowest listed rate: 3.45%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 5-year MYGA rate index

6.34%Flat vs. prior observation

The MYGA 5-Year Rate Index averages the top 10 declared 5-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 5.48% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Aug 24, 2026: 5.92% → Oct 2, 2026: 6.21% · range 5.92%-6.21%

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 3-year MYGA ratesFull market table 4-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 5-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

5-year MYGA rates FAQ

What is a 5-year MYGA?

A 5-year MYGA (multi-year guaranteed annuity) is a fixed annuity with contractually guaranteed interest for a 5-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 5-Year MYGA Rates page?

The best-rates page ranks the top 25 5-year products. This hub shows the full visible 5-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 126 5-year rates from the feed.

Why do 5-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 5-year rate locked for the whole term?

Most 5-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 5-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.