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6-Year MYGA Rates: The Full Market Table

Every visible 6-year multi-year guaranteed annuity rate in the live CANNEX feed - 40 rate rows across 23 carriers, as of July 14, 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.

6.84%

Top 6-year rate

5.01%

Market average

5.10%

Median rate

40

Rate rows listed

Today's top 6-year rate: 6.84% from Atlantic Coast Life (AM Best B).

Full market

All 6-year MYGA rates, filterable

The complete 6-year table at a $100,000 premium, as of July 14, 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 6-year MYGA rates.

Showing 40 of 40 6-year MYGA rate rows.

#CarrierProduct6-Year Guaranteed RateAM BestPremium
1Atlantic Coast LifeSafe Harbor Bonus GuaranteeStep schedule: 7.67% first year / 6.67% renewal6.84%BVaries
2Atlantic Coast LifeSafe Harbor Bonus GuaranteeStep schedule: 7.60% first year / 6.60% renewal6.77%BVaries
3Gulf Guaranty Life Insurance CompanyAnchor MYGAFlat rate6.00%B++Varies
4Atlantic Coast LifeSafe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal5.87%BVaries
5Mountain Life Insurance CompanySecure SummitStep schedule: 10.00% first year / 5.00% renewal5.82%B+Varies
6Atlantic Coast LifeSafe Haven Bonus GuaranteeStep schedule: 6.65% first year / 5.65% renewal5.82%BVaries
7Oxford Life Insurance CompanyMulti SelectFlat rate5.70%AVaries
8American National Insurance CompanyPalladium MYG MaxStep schedule: 9.75% first year / 4.75% renewal5.57%A$100,000 - $250,000
9Mountain Life Insurance CompanySecure SummitStep schedule: 9.75% first year / 4.75% renewal5.57%B+Varies
10Oceanview Life and Annuity CompanyHarbourview Multi-Year Guaranteed AnnuityFlat rate5.50%A$100,000+
11Nassau Life and Annuity CompanySimple AnnuityFlat rate5.50%B++Varies
12Americo Financial Life and Annuity Insurance CompanyPlatinum AssureFlat rate5.45%AVaries
13Sagicor Life Insurance CompanyMilestone Max MYGAFlat rate5.45%A-$75,000+
14American National Insurance CompanyPalladium MYGStep schedule: 9.60% first year / 4.60% renewal5.42%A$100,000 - $250,000
15Sagicor Life Insurance CompanyMilestone MYGAFlat rate5.40%A-$100,000+
16Clear Spring Life and Annuity CompanyPreserve Multi-Year Guaranteed AnnuityFlat rate5.40%A-$100,000+
17Oceanview Life and Annuity CompanyHarbourview Multi-Year Guaranteed AnnuityFlat rate5.35%A$100,000+
18EquiTrust Life Insurance CompanyCertainty SelectFlat rate5.30%B++Varies
19Pacific Guardian LifeDiamond Head MYGAFlat rate5.20%AVaries
20Talcott Financial GroupEverStead MYGAFlat rate5.20%A-$100,000 - $500,000
21Western-Southern Life Assurance CompanySmartStepStep schedule: 4.10% first year / 5.30% renewal5.10%A+$100,000+
22Massachusetts Mutual Life Insurance CompanyPremier VoyageFlat rate5.05%A++$100,000 - $1,000,000
23Protective Life Insurance CompanySmart Saver NYFlat rate4.80%A+$100,000+
24Corebridge FinancialAmerican Pathway Vision MYGFlat rate4.80%A$100,000+
25New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term MVA IIFlat rate4.75%A++$100,000 - $1,500,000
26New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term Choice IIFlat rate4.70%A++$100,000+
27New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term Fixed Annuity VFlat rate4.70%A++$100,000 - $1,500,000
28New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term Choice IIFlat rate4.55%A++$100,000+
29New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term Fixed Annuity IV - FP SeriesFlat rate4.50%A++$100,000+
30Western-Southern Life Assurance CompanySmartStepStep schedule: 4.10% first year / 4.55% renewal4.47%A+$100,000+
31New York Life Insurance and Annuity Corporation (NYLIAC)Secure Term Choice IIFlat rate4.45%A++$100,000+
32GBU Financial Life Insurance CompanyFuture Flex 5Flat rate4.40%A-$100,000+
33Western-Southern Life Assurance CompanySmartSelect TwoFlat rate4.20%A+$100,000+
34Western-Southern Life Assurance CompanySmartSelectFlat rate4.15%A+$100,000+
35Western-Southern Life Assurance CompanySmartSelect TwoFlat rate4.15%A+$100,000+
36Integrity Life Insurance Company (W&S)New MomentumStep schedule: 4.50% first year / 3.75% renewal3.87%A+Varies
37Nationwide Life Insurance CompanyPlatinum EdgeFlat rate3.75%A+Varies
38American National Insurance CompanyPalladium MYGFlat rate3.75%A$100,000 - $250,000
39Guaranty Income Life Insurance CompanyGuaranty Rate LockFlat rate3.70%A-$100,000 - $250,000
40United Life Insurance CompanyAccess SPDAFlat rate3.45%A-$10,000+

25th-75th percentile band: 4.45% to 5.50%. Lowest listed rate: 3.45%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 6-year MYGA rate index

5.97%+30 bps today

The MYGA 6-Year Rate Index averages the top 10 declared 6-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 5.01% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.50% → Jul 14, 2026: 5.67% · range 5.50%-5.67%

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 table3-year MYGA ratesFull market table4-year MYGA ratesFull market table5-year MYGA ratesFull market table7-year MYGA ratesFull market table10-year MYGA ratesFull market table
Best 6-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

6-year MYGA rates FAQ

What is a 6-year MYGA?

A 6-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 6-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 6-Year MYGA Rates page?

The best-rates page ranks the top 25 6-year products. This hub shows the full visible 6-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 currently lists 40 6-year rate rows from the live feed.

Why do 6-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 6-year rate locked for the whole term?

Most 6-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 rows 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 6-year MYGA rates are sourced from CANNEX Financial Exchanges through the AdvisorWorld public API, as of July 14, 2026, at a $100,000 premium with no state filter. The rate index is computed from the same feed 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.