5-Year MYGA Rates: The Full Market Table

Every visible 5-year multi-year guaranteed annuity rate in the CANNEX feed - 221 rates across 61 carriers, as of August 3, 2026. Ranked by guaranteed rate with AM Best ratings and premium bands, so mid-market and low-end rates are visible, not just the top of the leaderboard.

7.45%

Top 5-year rate

5.16%

Market average

5.15%

Median rate

221

Rates listed

top 5-year rate: 7.45% from Atlantic Coast Life (AM Best B).

Full market

All 5-year MYGA rates, filterable

The complete 5-year table at a $100,000 premium, as of August 3, 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 221 of 221 5-year MYGA rates.

#	Carrier	Product	5-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.45% first year / 6.45% renewal	7.45%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.35% first year / 6.35% renewal	7.35%	B	Varies
3	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.65% first year / 5.65% renewal	6.65%	B	Varies
5	Knighthead Life	StaysailFlat rate	6.45%	A-	$100,000+
6	Knighthead Life	StaysailFlat rate	6.35%	A-	$100,000+
7	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.30%	B+	Varies
8	Wichita National Life Insurance	Security MYGAFlat rate	6.25%	B+	Varies
9	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
11	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.15% first year / 4.15% renewal	6.15%	A+	Varies
12	Revol One Financial	DirectGrowth MYGAFlat rate	6.15%	B++	Varies
13	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.10% first year / 4.10% renewal	6.10%	A+	Varies
14	Canvas Annuity	Canvas Future FundFlat rate	6.10%	B++	Varies
15	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
16	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
17	American Life & Security Corp	American ClassicStep schedule: 6.05% first year / 5.45% renewal	6.05%	B++	Varies
18	Revol One Financial	DirectGrowth MYGAFlat rate	6.05%	B++	Varies
19	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	6.05%	B++	Varies
20	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
21	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.05%	B+	Varies
22	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
23	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.00%	B++	Varies
24	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	6.00%	B++	Varies
25	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
26	Revol One Financial	DirectGrowth MYGAFlat rate	5.95%	B++	Varies
27	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.95%	B++	Varies
28	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
29	Knighthead Life	StaysailFlat rate	5.90%	A-	$100,000+
30	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.90%	B++	Varies
31	Mountain Life Insurance Company	Secure SummitFlat rate	5.90%	B+	Varies
32	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.85%	A-	$100,000+
33	Axonic Insurance Services	Waypoint MYGAFlat rate	5.80%	A-	$100,000+
34	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
35	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
36	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
37	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
38	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.70%	B++	Varies
39	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.65%	A-	$100,000+
40	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
41	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
42	Mountain Life Insurance Company	Secure SummitFlat rate	5.65%	B+	Varies
43	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.60%	A+	Varies
44	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.60%	A+	Varies
45	Axonic Insurance Services	Incline MYGAFlat rate	5.60%	A-	$100,000+
46	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
47	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
48	Lincoln Financial	Lincoln SelectFlat rate	5.55%	A	$100,000+
49	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.55%	A	Varies
50	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.55%	A-	$100,000+
51	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.50%	A+	$100,000+
52	Protective Life Insurance Company	SecureSaverFlat rate	5.50%	A+	$75,000+
53	Symetra Life Insurance Company	Select MaxFlat rate	5.50%	A	$100,000 - $250,000
54	Oxford Life Insurance Company	Multi SelectFlat rate	5.50%	A	Varies
55	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.50%	A	$75,000+
56	AuguStar Financial	LunarLock MYGAFlat rate	5.50%	A	$100,000+
57	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.50%	A	$100,000+
58	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.50%	B++	Varies
59	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
60	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.50%	B++	Varies
61	Athene Annuity and Life Company	Athene MYGFlat rate	5.45%	A+	$100,000+
62	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.45%	A+	$100,000+
63	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.45%	A+	$100,000+
64	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.45%	A	$100,000+
65	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.45%	A-	$100,000+
66	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
67	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.40%	A+	$100,000+
68	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.40%	A+	$100,000 - $250,000
69	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.40%	A+	$100,000+
70	Symetra Life Insurance Company	Select ProFlat rate	5.40%	A	$100,000 - $250,000
71	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
72	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
73	AuguStar Financial	LunarLock MYGAFlat rate	5.40%	A	$100,000+
74	AuguStar Financial	LunarLock PrimeFlat rate	5.40%	A	$100,000+
75	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.40%	A	$100,000+
76	Delaware Life	Apex MYGAFlat rate	5.40%	A-	$100,000+
77	Delaware Life	Pinnacle Plus MYGAFlat rate	5.40%	A-	$100,000+
78	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.40%	A-	$100,000+
79	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.40%	B++	Varies
80	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.40%	B++	Varies
81	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.35%	A++	Varies
82	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.35%	A++	Varies
83	Athene Annuity and Life Company	Athene MYGFlat rate	5.35%	A+	$100,000+
84	Delaware Life	Apex ControlFlat rate	5.35%	A-	$100,000+
85	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.35%	B++	Varies
86	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.35%	B++	Varies
87	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.30%	A+	Varies
88	Prudential Financial	Prudential WealthGuardFlat rate	5.30%	A+	$100,000+
89	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.30%	A	$100,000+
90	AuguStar Financial	LunarGuard MYGAFlat rate	5.30%	A	$100,000+
91	AuguStar Financial	LunarLock PrimeFlat rate	5.30%	A	$100,000+
92	American National Insurance Company	Palladium MYG MaxFlat rate	5.30%	A	$100,000 - $250,000
93	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.30%	A	$100,000+
94	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
95	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.30%	A-	$100,000+
96	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.30%	B++	Varies
97	Pacific Life Insurance Company	Pacific HarborFlat rate	5.25%	A+	Up to $200,000
98	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.25%	A	$100,000+
99	Symetra Life Insurance Company	Select ProFlat rate	5.25%	A	$100,000 - $250,000
100	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
101	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
102	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.20%	A++	Varies
103	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.20%	A+	$100,000 - $500,000
104	Athene Annuity and Life Company	Athene MYGFlat rate	5.20%	A+	$100,000+
105	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.20%	A	$100,000+
106	The Standard	Multi-Choice AnnuityFlat rate	5.20%	A	$100,000+
107	American National Insurance Company	Palladium MYGFlat rate	5.20%	A	$100,000 - $250,000
108	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
109	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
110	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
111	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.15%	A++	$100,000 - $1,000,000
112	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 5.15% first year / 4.15% renewal	5.15%	A+	Varies
113	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.15%	A+	$100,000+
114	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.15% first year / 4.15% renewal	5.15%	A+	Varies
115	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.15%	A+	$100,000+
116	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.15%	A+	$100,000+
117	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.15%	A	Varies
118	The Standard	Focused Growth AnnuityFlat rate	5.15%	A	$100,000+
119	The Standard	Multi-Choice AnnuityFlat rate	5.15%	A	$100,000+
120	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.15%	A	$100,000+
121	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 5.15% first year / 4.15% renewal	5.15%	A	$100,000+
122	American National Insurance Company	Palladium Match MYGFlat rate	5.15%	A	$100,000 - $250,000
123	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.15%	A	$100,000+
124	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.15%	B++	Varies
125	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.10%	A++	$100,000+
126	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.10%	A+	$100,000 - $500,000
127	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.10%	A+	$100,000+
128	The Standard	Multi-Choice AnnuityFlat rate	5.10%	A	$100,000+
129	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
130	Talcott Financial Group	EverStead MYGAFlat rate	5.10%	A-	$100,000 - $500,000
131	Pacific Life Insurance Company	Expedition IIFlat rate	5.05%	A+	$100,000+
132	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.05%	A	$100,000+
133	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
134	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
135	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.00%	A++	Up to $250,000
136	Lincoln Financial	MyGuarantee PlusFlat rate	5.00%	A	$100,000+
137	Corebridge Financial	First Choice 5Flat rate	5.00%	A	$100,000+
138	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.00%	A	$100,000+
139	The Standard	Multi-Choice AnnuityFlat rate	5.00%	A	$100,000+
140	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
141	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
142	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.95%	A++	$100,000 - $1,500,000
143	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.95% first year / 4.20% renewal	4.95%	A+	Varies
144	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.95%	A+	$100,000+
145	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
146	Corebridge Financial	First Choice 5Flat rate	4.95%	A	$100,000+
147	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.95%	A	$100,000+
148	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.95%	A	$100,000+
149	Corebridge Financial	Foundation AnnuityFlat rate	4.95%	A	$100,000+
150	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.95%	A-	$100,000+
151	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.90%	A++	$100,000+
152	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.90%	A++	$100,000 - $1,500,000
153	Pacific Life Insurance Company	Expedition IIFlat rate	4.90%	A+	$100,000+
154	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.90%	A	$100,000+
155	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.90%	A	$100,000+
156	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.90%	A-	$100,000+
157	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.88% first year / 1.10% renewal	4.88%	A-	Varies
158	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	4.85%	A+	Varies
159	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
160	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
161	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.85%	A-	$100,000+
162	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.80%	A+	$100,000+
163	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
164	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
165	Corebridge Financial	Foundation AnnuityFlat rate	4.80%	A	$100,000+
166	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
167	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
168	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.75%	A++	$100,000+
169	Pacific Life Insurance Company	Expedition IIFlat rate	4.75%	A+	$100,000+
170	Corebridge Financial	First Choice 5Flat rate	4.75%	A	$100,000+
171	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
172	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
173	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.70%	A++	$100,000+
174	Corebridge Financial	First Choice 5Flat rate	4.70%	A	$100,000+
175	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.70%	A	$100,000+
176	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
177	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.70%	A-	$100,000+
178	SILAC Insurance Company	Secure Savings EliteFlat rate	4.69%	B+	Varies
179	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.65%	A++	$100,000+
180	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	4.65%	A++	$100,000+
181	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	4.65%	A++	$100,000+
182	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
183	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
184	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
185	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
186	SILAC Insurance Company	Secure Savings EliteFlat rate	4.65%	B+	Varies
187	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	4.60%	A++	$100,000+
188	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.60%	A+	$100,000+
189	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.60%	A-	$100,000+
190	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
191	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.55%	A+	$100,000+
192	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
193	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
194	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
195	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.50%	A+	$100,000+
196	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.50%	A+	$100,000+
197	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
198	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
199	MassMutual Ascend Life Insurance Company	SecureGain 5Step schedule: 4.40% first year / 4.15% renewal	4.40%	A++	$100,000+
200	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
201	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
202	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
203	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.30%	A	$100,000 - $250,000
204	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
205	ELCO Mutual Life and Annuity	Guardian Eagle FlexFlat rate	4.25%	B++	Varies
206	MassMutual Ascend Life Insurance Company	SecureGain 5Step schedule: 4.20% first year / 3.95% renewal	4.20%	A++	$100,000+
207	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
208	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
209	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
210	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 4.10% first year / 3.10% renewal	4.10%	A	$100,000+
211	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
212	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.80%	A+	$100,000+
213	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
214	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
215	SILAC Insurance Company	Secure Savings EliteFlat rate	3.75%	B+	Varies
216	SILAC Insurance Company	Secure Savings EliteFlat rate	3.69%	B+	Varies
217	SILAC Insurance Company	Secure Savings EliteFlat rate	3.65%	B+	Varies
218	Nationwide Life Insurance Company	Platinum EdgeFlat rate	3.50%	A+	Varies
219	Investors Heritage	Heritage Builder AnnuityFlat rate	3.50%	B++	Varies
220	SILAC Insurance Company	Secure SavingsFlat rate	3.45%	B+	Varies
221	American National Insurance Company	Palladium MYGFlat rate	3.35%	A	$100,000 - $250,000

25th-75th percentile band: 4.80% to 5.50%. Lowest listed rate: 3.35%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 5-year MYGA rate index

6.08%+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 5.16% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.92% → Aug 3, 2026: 6.04% · range 5.92%-6.05%

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 that credits a declared guaranteed rate for a 5-year guarantee period. The rate shown is a guaranteed fixed rate, 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 221 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 August 3, 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.