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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 23, 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

5.60%

Market average

5.75%

Median rate

126

Rates listed

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

Full market

All 5-year MYGA rates, filterable

The complete 5-year table at a $100,000 premium, as of October 23, 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	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.45%	A-	$100,000+
2	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.45%	B-	Varies
3	Canvas Annuity	Canvas Future FundFlat rate	6.40%	B++	Varies
4	Wichita National Life Insurance	Security MYGAFlat rate	6.40%	B+	Varies
5	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	6.30%	A-	$100,000+
6	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.25%	B++	Varies
7	CL Life and Annuity Insurance Company	CL SundanceFlat rate	6.25%	B++	Varies
8	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.25%	B++	Varies
9	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	C+	Varies
10	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	6.15%	A+	$100,000+
11	AuguStar Financial	LunarLock MYGAFlat rate	6.15%	A	$100,000+
12	Axonic Insurance Services	Waypoint MYGAFlat rate	6.15%	A-	$100,000+
13	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	6.15%	B++	Varies
14	AuguStar Financial	LunarLock PrimeFlat rate	6.10%	A	$100,000+
15	Delaware Life	Apex MYGAFlat rate	6.10%	A-	$100,000+
16	Delaware Life	Pinnacle Plus MYGAFlat rate	6.10%	A-	$100,000+
17	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	6.10%	A-	$100,000+
18	Mountain Life Insurance Company	Secure SummitFlat rate	6.10%	B-	Varies
19	Athene Annuity and Life Company	Athene MYGFlat rate	6.05%	A+	$100,000+
20	Athene Annuity and Life Company	Athene MaxRateFlat rate	6.05%	A+	$100,000+
21	Aspida Life Insurance Company	WealthLock MYGAFlat rate	6.05%	A-	$100,000+
22	Delaware Life	Apex ControlFlat rate	6.05%	A-	$100,000+
23	Axonic Insurance Services	Incline MYGAFlat rate	6.05%	A-	$100,000+
24	Nationwide Life Insurance Company	Secure GrowthFlat rate	6.00%	A+	$100,000+
25	Protective Life Insurance Company	SecureSaverFlat rate	6.00%	A+	$75,000+
26	Midland National Life Insurance Company	Oak ADVantageFlat rate	6.00%	A+	Varies
27	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	6.00%	A+	Varies
28	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	6.00%	A	$100,000+
29	Lincoln Financial	Lincoln SelectFlat rate	6.00%	A	$100,000+
30	Symetra Life Insurance Company	Select MaxFlat rate	6.00%	A	$100,000 - $250,000
31	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	6.00%	A	$75,000+
32	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	6.00%	A	$100,000+
33	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	6.00%	A-	$100,000+
34	American Gulf	Anchor MYGAFlat rate	6.00%	B++	Varies
35	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
36	Prudential Financial	Prudential WealthGuardFlat rate	5.95%	A+	$100,000+
37	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.95%	A	$100,000+
38	Oxford Life Insurance Company	Multi SelectFlat rate	5.95%	A	Varies
39	Knighthead Life	StaysailCompound-equivalent annual rate · 6.65% simple interest quoted	5.91%	A-	$100,000+
40	Atlantic Coast Life	Safe Harbor Bonus GuaranteeFull-term annual yield · 7.45% first year / 6.45% renewal	5.91%	B	Varies
41	Symetra Life Insurance Company	Select ProFlat rate	5.90%	A	$100,000 - $250,000
42	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.90%	A	Varies
43	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.90%	A-	$100,000+
44	Atlantic Coast Life	Safe Haven Bonus GuaranteeFull-term annual yield · 6.70% first year / 5.70% renewal	5.90%	B	Varies
45	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.85%	A++	Varies
46	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.85%	A++	Varies
47	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.85%	A+	$100,000+
48	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.85%	A-	$100,000+
49	American Life & Security Corp	American ClassicFull-term annual yield · 6.30% first year / 5.70% renewal	5.82%	B++	Varies
50	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.80%	A++	$100,000 - $1,000,000
51	Pacific Life Insurance Company	Expedition IIFlat rate	5.80%	A+	$100,000+
52	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.80%	A+	$100,000 - $250,000
53	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.80%	A+	$100,000+
54	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.80%	A+	$100,000+
55	Lincoln Financial	MyGuarantee PlusFlat rate	5.80%	A	$100,000+
56	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.80%	A	$100,000+
57	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.80%	A-	$100,000+
58	Talcott Financial Group	EverStead MYGAFlat rate	5.80%	A-	$100,000 - $500,000
59	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.80%	B++	Varies
60	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.80%	B++	Varies
61	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
62	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.75%	A++	$100,000+
63	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.75%	A++	Up to $250,000
64	Pacific Life Insurance Company	Pacific HarborFlat rate	5.75%	A+	Up to $200,000
65	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.75%	A	$100,000+
66	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.75%	A	$100,000+
67	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.75%	A	$100,000+
68	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
69	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
70	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.70%	A++	Varies
71	Corebridge Financial	American Pathway AdvisoryFlat rate	5.70%	A	$100,000 - $250,000
72	AuguStar Financial	LunarGuard MYGAFlat rate	5.70%	A	$100,000+
73	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.70%	B++	Varies
74	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.65%	A	$100,000+
75	Corebridge Financial	Foundation AnnuityFlat rate	5.65%	A	$100,000+
76	American National Insurance Company	Palladium MYG MaxFlat rate	5.65%	A	$100,000 - $250,000
77	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.60%	A+	Varies
78	Corebridge Financial	First Choice 5Flat rate	5.60%	A	$100,000+
79	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.60%	A	$100,000+
80	Corebridge Financial	Pathway ChoiceFlat rate	5.60%	A	$100,000 - $250,000
81	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.55%	A++	$100,000 - $1,500,000
82	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.55%	A+	$100,000 - $500,000
83	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.55%	A+	$100,000+
84	The Standard	Multi-Choice AnnuityFlat rate	5.55%	A	$100,000+
85	American National Insurance Company	Palladium MYGFlat rate	5.55%	A	$100,000 - $250,000
86	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.55%	B++	Varies
87	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.50%	A++	$100,000+
88	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.50%	A++	$100,000 - $1,500,000
89	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	5.50%	A++	$100,000+
90	Protective Life Insurance Company	Smart Saver NYFlat rate	5.50%	A+	$100,000+
91	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	5.50%	A	$100,000 - $250,000
92	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.50%	A	Varies
93	The Standard	Focused Growth AnnuityFlat rate	5.50%	A	$100,000+
94	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.50%	A	$100,000+
95	American National Insurance Company	Palladium Match MYGFlat rate	5.50%	A	$100,000 - $250,000
96	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.50%	A-	$100,000+
97	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	5.45%	A++	$100,000+
98	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	5.40%	A++	$100,000+
99	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.40%	A	$100,000+
100	Corebridge Financial	American Pathway Vision MYGFlat rate	5.40%	A	$100,000+
101	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
102	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.35%	A	$100,000 - $250,000
103	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	5.30%	A++	$100,000+
104	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.30%	A	$100,000+
105	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.25%	A	$100,000+
106	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.25%	B++	Varies
107	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
108	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	5.15%	A+	$100,000+
109	Corebridge Financial	Pathway Choice Focus NYFlat rate	5.15%	A	$100,000 - $250,000
110	Western-Southern Life Assurance Company	SmartSelectFlat rate	5.05%	A+	$100,000+
111	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	5.05%	A	$100,000+
112	Western-Southern Life Assurance Company	MultiRateFull-term annual yield · 6.55% first year / 4.55% renewal	4.95%	A+	Varies
113	Integrity Life Insurance Company (W&S)	New MomentumFull-term annual yield · 5.50% first year / 4.75% renewal	4.90%	A+	Varies
114	Integrity Life Insurance Company (W&S)	MultiVantageFull-term annual yield · 5.65% first year / 4.65% renewal	4.85%	A+	Varies
115	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
116	Integrity Life Insurance Company (W&S)	SPDA Series IIFull-term annual yield · 5.55% first year / 4.55% renewal	4.75%	A+	Varies
117	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
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: 5.50% to 6.00%. 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

6.39%+1 bps 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 5.60% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Aug 24, 2026: 5.92% → Oct 22, 2026: 6.25% · range 5.92%-6.25%

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

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Confirm rates for your state, premium, and age in a personalized comparison - including premium bands not shown at the $100,000 default.

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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 23, 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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5-Year MYGA Rates: The Full Market Table

All 5-year MYGA rates, filterable

The 5-year MYGA rate index

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MYGA rates by term

5-year MYGA rates FAQ

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