5-Year MYGA Rates: The Full Market Table

Every visible 5-year multi-year guaranteed annuity rate in the CANNEX feed - 125 rates across 61 carriers, as of August 21, 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.

6.30%

Top 5-year rate

5.25%

Market average

5.35%

Median rate

125

Rates listed

top 5-year rate: 6.30% 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 August 21, 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 125 of 125 5-year MYGA rates.

#	Carrier	Product	5-Year Comparable Annual Rate	AM Best	Premium
1	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.30%	B+	Varies
2	Wichita National Life Insurance	Security MYGAFlat rate	6.25%	B+	Varies
3	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
4	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.15%	A-	$100,000+
5	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.15%	B++	Varies
6	Canvas Annuity	Canvas Future FundFlat rate	6.10%	B++	Varies
7	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
8	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	6.05%	B++	Varies
9	Knighthead Life	StaysailCompound-equivalent annual rate · 6.80% simple interest quoted	6.03%	A-	$100,000+
10	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.00%	B++	Varies
11	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	6.00%	B++	Varies
12	Atlantic Coast Life	Safe Harbor Bonus GuaranteeFull-term annual yield · 7.45% first year / 6.45% renewal	5.91%	B	Varies
13	Mountain Life Insurance Company	Secure SummitFlat rate	5.90%	B+	Varies
14	Atlantic Coast Life	Safe Haven Bonus GuaranteeFull-term annual yield · 6.70% first year / 5.70% renewal	5.90%	B	Varies
15	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.85%	A-	$100,000+
16	American Life & Security Corp	American ClassicFull-term annual yield · 6.30% first year / 5.70% renewal	5.82%	B++	Varies
17	Axonic Insurance Services	Waypoint MYGAFlat rate	5.80%	A-	$100,000+
18	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
19	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.75%	A	$75,000+
20	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
21	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
22	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.70%	A	$100,000+
23	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.70%	B++	Varies
24	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.65%	A+	Varies
25	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.65%	A+	Varies
26	American National Insurance Company	Palladium MYG MaxFlat rate	5.65%	A	$100,000 - $250,000
27	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.60%	A+	$100,000+
28	AuguStar Financial	LunarLock MYGAFlat rate	5.60%	A	$100,000+
29	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.60%	A-	$100,000+
30	Axonic Insurance Services	Incline MYGAFlat rate	5.60%	A-	$100,000+
31	Athene Annuity and Life Company	Athene MYGFlat rate	5.55%	A+	$100,000+
32	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.55%	A+	$100,000+
33	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.55%	A	$100,000+
34	Symetra Life Insurance Company	Select MaxFlat rate	5.55%	A	$100,000 - $250,000
35	American National Insurance Company	Palladium MYGFlat rate	5.55%	A	$100,000 - $250,000
36	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.55%	A	Varies
37	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.55%	A	$100,000+
38	Delaware Life	Apex MYGAFlat rate	5.55%	A-	$100,000+
39	Delaware Life	Pinnacle Plus MYGAFlat rate	5.55%	A-	$100,000+
40	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.55%	A-	$100,000+
41	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.55%	B++	Varies
42	Protective Life Insurance Company	SecureSaverFlat rate	5.50%	A+	$75,000+
43	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.50%	A+	$100,000+
44	Oxford Life Insurance Company	Multi SelectFlat rate	5.50%	A	Varies
45	American National Insurance Company	Palladium Match MYGFlat rate	5.50%	A	$100,000 - $250,000
46	AuguStar Financial	LunarLock PrimeFlat rate	5.50%	A	$100,000+
47	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.50%	A	$100,000+
48	Delaware Life	Apex ControlFlat rate	5.50%	A-	$100,000+
49	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.50%	B++	Varies
50	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
51	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.50%	B++	Varies
52	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.45%	A+	$100,000 - $250,000
53	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.45%	A+	$100,000+
54	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.45%	A	$100,000+
55	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.45%	A-	$100,000+
56	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.45%	A-	$100,000+
57	Symetra Life Insurance Company	Select ProFlat rate	5.40%	A	$100,000 - $250,000
58	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
59	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
60	AuguStar Financial	LunarGuard MYGAFlat rate	5.40%	A	$100,000+
61	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.35%	A++	Varies
62	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.35%	A++	Varies
63	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.35%	A++	Up to $250,000
64	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.35%	B++	Varies
65	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.30%	A+	Varies
66	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.30%	A+	$100,000+
67	Lincoln Financial	MyGuarantee PlusFlat rate	5.30%	A	$100,000+
68	Pacific Life Insurance Company	Pacific HarborFlat rate	5.25%	A+	Up to $200,000
69	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.25%	A+	$100,000+
70	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.25%	A	$100,000+
71	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.25%	A	Varies
72	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.25%	A	$100,000+
73	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.20%	A++	Varies
74	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.20%	A+	$100,000 - $500,000
75	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.20%	A+	$100,000+
76	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.20%	A	$100,000+
77	The Standard	Multi-Choice AnnuityFlat rate	5.20%	A	$100,000+
78	Corebridge Financial	American Pathway AdvisoryFlat rate	5.20%	A	$100,000 - $250,000
79	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
80	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
81	Pacific Life Insurance Company	Expedition IIFlat rate	5.15%	A+	$100,000+
82	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.15%	A	$100,000+
83	The Standard	Focused Growth AnnuityFlat rate	5.15%	A	$100,000+
84	Corebridge Financial	Foundation AnnuityFlat rate	5.15%	A	$100,000+
85	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.10%	A++	$100,000 - $1,000,000
86	Corebridge Financial	First Choice 5Flat rate	5.10%	A	$100,000+
87	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.10%	A	$100,000+
88	Corebridge Financial	Pathway ChoiceFlat rate	5.10%	A	$100,000 - $250,000
89	Talcott Financial Group	EverStead MYGAFlat rate	5.10%	A-	$100,000 - $500,000
90	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.05%	A++	$100,000+
91	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.05%	A	$100,000+
92	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.05%	A	$100,000+
93	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.05%	A	$100,000 - $250,000
94	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.00%	A++	$100,000 - $1,500,000
95	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	5.00%	A++	$100,000+
96	Protective Life Insurance Company	Smart Saver NYFlat rate	5.00%	A+	$100,000+
97	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.95%	A-	$100,000+
98	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.90%	A++	$100,000+
99	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.90%	A++	$100,000 - $1,500,000
100	Corebridge Financial	American Pathway Vision MYGFlat rate	4.90%	A	$100,000+
101	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.85%	A	$100,000 - $250,000
102	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
103	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.80%	A	$100,000+
104	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
105	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
106	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.70%	A++	$100,000+
107	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	4.65%	A++	$100,000+
108	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	4.60%	A++	$100,000+
109	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.60%	A+	$100,000+
110	Western-Southern Life Assurance Company	MultiRateFull-term annual yield · 6.15% first year / 4.15% renewal	4.55%	A+	Varies
111	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.50%	A+	$100,000+
112	MassMutual Ascend Life Insurance Company	SecureGain 5Full-term annual yield · 4.40% first year / 4.15% renewal	4.40%	A++	$100,000+
113	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
114	Integrity Life Insurance Company (W&S)	New MomentumFull-term annual yield · 4.95% first year / 4.20% renewal	4.35%	A+	Varies
115	Integrity Life Insurance Company (W&S)	MultiVantageFull-term annual yield · 5.15% first year / 4.15% renewal	4.35%	A+	Varies
116	Integrity Life Insurance Company (W&S)	SPDA Series IIFull-term annual yield · 5.15% first year / 4.15% renewal	4.35%	A+	Varies
117	American National Insurance Company	WealthQuest Citadel 5 DiamondFull-term annual yield · 5.15% first year / 4.15% renewal	4.35%	A	$100,000+
118	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.30%	A	$100,000 - $250,000
119	ELCO Mutual Life and Annuity	Guardian Eagle FlexFlat rate	4.25%	B++	Varies
120	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
121	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
122	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
123	Nationwide Life Insurance Company	Platinum EdgeFlat rate	3.50%	A+	Varies
124	Investors Heritage	Heritage Builder AnnuityFlat rate	3.50%	B++	Varies
125	SILAC Insurance Company	Secure SavingsFlat rate	3.45%	B+	Varies

25th-75th percentile band: 5.00% to 5.55%. 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

The 5-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 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 125 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 21, 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.