7-Year MYGA Rates: The Full Market Table

Every visible 7-year multi-year guaranteed annuity rate in the live CANNEX feed - 195 rate rows across 54 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.

7.04%

Top 7-year rate

4.97%

Market average

5.10%

Median rate

195

Rate rows listed

Today's top 7-year rate: 7.04% from Atlantic Coast Life (AM Best B).

Full market

All 7-year MYGA rates, filterable

The complete 7-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 7-year MYGA rates.

AM Best

Carrier

Sort

Showing 195 of 195 7-year MYGA rate rows.

#	Carrier	Product	7-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.90% first year / 6.90% renewal	7.04%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.85% first year / 6.85% renewal	6.99%	B	Varies
3	Knighthead Life	StaysailFlat rate	6.80%	A-	$100,000+
4	Knighthead Life	StaysailFlat rate	6.70%	A-	$100,000+
5	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
6	Canvas Annuity	Canvas Future FundFlat rate	6.20%	B++	Varies
7	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
8	Knighthead Life	StaysailFlat rate	6.15%	A-	$100,000+
9	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
10	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
11	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.05%	A-	$100,000+
12	Knighthead Life	StaysailFlat rate	6.05%	A-	$100,000+
13	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
14	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
15	Revol One Financial	DirectGrowth MYGAFlat rate	6.00%	B++	Varies
16	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
17	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.95%	B++	Varies
18	Wichita National Life Insurance	Security MYGAFlat rate	5.95%	B+	Varies
19	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
20	Revol One Financial	DirectGrowth MYGAFlat rate	5.90%	B++	Varies
21	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.90%	B++	Varies
22	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.75% first year / 5.75% renewal	5.89%	B	Varies
23	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.85%	B++	Varies
24	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	5.84%	B	Varies
25	Revol One Financial	DirectGrowth MYGAFlat rate	5.80%	B++	Varies
26	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
27	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.80%	B++	Varies
28	Mountain Life Insurance Company	Secure SummitFlat rate	5.75%	B+	Varies
29	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.70%	A-	$100,000+
30	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
31	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.60%	A-	$100,000+
32	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.60%	A-	$75,000+
33	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.60%	B++	Varies
34	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.60%	B++	Varies
35	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
36	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.55%	A-	$100,000+
37	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.55%	B++	Varies
38	Oxford Life Insurance Company	Multi SelectFlat rate	5.50%	A	Varies
39	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.50%	A	Varies
40	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.50%	A-	$100,000+
41	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.50%	A-	$100,000+
42	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
43	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
44	Mountain Life Insurance Company	Secure SummitFlat rate	5.50%	B+	Varies
45	AuguStar Financial	LunarLock MYGAFlat rate	5.45%	A	$100,000+
46	Delaware Life	Apex MYGAFlat rate	5.45%	A-	$100,000+
47	Delaware Life	Pinnacle Plus MYGAFlat rate	5.45%	A-	$100,000+
48	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.45%	A-	$100,000+
49	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.45%	B++	Varies
50	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.40%	A+	$100,000+
51	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.40%	A+	Varies
52	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.40%	A+	Varies
53	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.40%	A	$100,000+
54	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.40%	A	$100,000+
55	American National Insurance Company	Palladium MYG MaxFlat rate	5.40%	A	$100,000 - $250,000
56	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.40%	A	$100,000+
57	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.40%	A-	$100,000+
58	Delaware Life	Apex ControlFlat rate	5.40%	A-	$100,000+
59	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
60	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.35%	A++	Varies
61	Athene Annuity and Life Company	Athene MYGFlat rate	5.35%	A+	$100,000+
62	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.35%	A+	$100,000+
63	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.35%	A+	Varies
64	Symetra Life Insurance Company	Select MaxFlat rate	5.35%	A	$100,000 - $250,000
65	AuguStar Financial	LunarLock MYGAFlat rate	5.35%	A	$100,000+
66	AuguStar Financial	LunarLock PrimeFlat rate	5.35%	A	$100,000+
67	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.35%	B++	Varies
68	American National Insurance Company	Palladium MYGFlat rate	5.30%	A	$100,000 - $250,000
69	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
70	Protective Life Insurance Company	SecureSaverFlat rate	5.25%	A+	$75,000+
71	Athene Annuity and Life Company	Athene MYGFlat rate	5.25%	A+	$100,000+
72	Prudential Financial	Prudential WealthGuardFlat rate	5.25%	A+	$100,000+
73	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.25%	A	$100,000+
74	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
75	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
76	American National Insurance Company	Palladium Match MYGFlat rate	5.25%	A	$100,000 - $250,000
77	AuguStar Financial	LunarLock PrimeFlat rate	5.25%	A	$100,000+
78	Axonic Insurance Services	Incline MYGAFlat rate	5.25%	A-	$100,000+
79	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.20%	A++	$100,000 - $1,000,000
80	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.20%	A+	$100,000 - $500,000
81	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.20%	A+	$100,000 - $250,000
82	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.20%	A+	$100,000+
83	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.20%	A+	$100,000+
84	Symetra Life Insurance Company	Select ProFlat rate	5.20%	A	$100,000 - $250,000
85	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.20%	A	Varies
86	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.20%	A	$100,000+
87	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
88	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
89	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.20%	A-	$100,000+
90	Talcott Financial Group	EverStead MYGAFlat rate	5.20%	A-	$100,000 - $500,000
91	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.15%	A-	$100,000+
92	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.15%	A-	$100,000+
93	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.10%	A+	$100,000 - $500,000
94	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.10%	A+	$100,000+
95	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.10%	A+	$100,000+
96	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.10%	A+	$100,000+
97	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.10%	A	$100,000+
98	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.10%	A	$100,000+
99	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
100	AuguStar Financial	LunarGuard MYGAFlat rate	5.10%	A	$100,000+
101	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.10%	A-	$100,000+
102	Athene Annuity and Life Company	Athene MYGFlat rate	5.05%	A+	$100,000+
103	Lincoln Financial	Lincoln SelectFlat rate	5.05%	A	$100,000+
104	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
105	Symetra Life Insurance Company	Select ProFlat rate	5.05%	A	$100,000 - $250,000
106	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.05%	A	$100,000+
107	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
108	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.05%	A-	$100,000+
109	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.00%	A+	$100,000+
110	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.00%	A+	$100,000+
111	Lincoln Financial	MyGuarantee PlusFlat rate	5.00%	A	$100,000+
112	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.00%	A	$100,000+
113	The Standard	Focused Growth AnnuityFlat rate	5.00%	A	$100,000+
114	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
115	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
116	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.00%	A-	$100,000+
117	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.00%	B++	Varies
118	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	5.00%	B++	Varies
119	NexAnnuity	Nex MYGAFlat rate	5.00%	B+	Varies
120	Pacific Life Insurance Company	Expedition IIFlat rate	4.95%	A+	$100,000+
121	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	4.95%	A+	Varies
122	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
123	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.95%	A	$100,000+
124	The Standard	Multi-Choice AnnuityFlat rate	4.95%	A	$100,000+
125	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.95%	A-	$100,000+
126	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.90%	A	$100,000 - $249,999
127	The Standard	Multi-Choice AnnuityFlat rate	4.90%	A	$100,000+
128	The Standard	Multi-Choice AnnuityFlat rate	4.85%	A	$100,000+
129	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.85%	A	$100,000+
130	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
131	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
132	NexAnnuity	Nex MYGAFlat rate	4.85%	B+	Varies
133	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.80%	A++	$100,000 - $1,500,000
134	Pacific Life Insurance Company	Expedition IIFlat rate	4.80%	A+	$100,000+
135	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
136	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
137	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.80%	A-	$100,000+
138	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
139	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
140	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.75%	A++	$100,000+
141	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.75%	A++	$100,000 - $1,500,000
142	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.75%	A	$100,000+
143	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
144	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
145	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.75%	A-	$100,000+
146	MassMutual Ascend Life Insurance Company	American Freedom Aspire 7Flat rate	4.70%	A++	$100,000+
147	MassMutual Ascend Life Insurance Company	SecureGain 7 - 2025Flat rate	4.70%	A++	$100,000+
148	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.70%	A+	$100,000+
149	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.70%	A-	$100,000+
150	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
151	NexAnnuity	Nex MYGAFlat rate	4.70%	B+	Varies
152	MassMutual Ascend Life Insurance Company	American Freedom Classic 7 - 2025Flat rate	4.65%	A++	$100,000+
153	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
154	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
155	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
156	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.60%	A++	$100,000+
157	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.60%	A-	$100,000+
158	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.55%	A++	$100,000+
159	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
160	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
161	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.50%	A++	$100,000+
162	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
163	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 6.20% first year / 4.20% renewal	4.48%	A	$100,000+
164	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.55% first year / 4.42% renewal	4.44%	A++	$100,000+
165	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
166	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
167	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.35%	A+	$100,000+
168	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
169	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.45% first year / 4.32% renewal	4.34%	A++	$100,000+
170	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.30%	A+	$100,000+
171	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.90% first year / 3.90% renewal	4.18%	A+	Varies
172	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.15%	A+	$100,000+
173	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.15%	A+	$100,000+
174	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
175	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.85% first year / 3.85% renewal	4.13%	A+	Varies
176	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 4.95% first year / 3.95% renewal	4.09%	A+	Varies
177	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.05%	A+	$100,000+
178	American National Insurance Company	Palladium MYGFlat rate	4.05%	A	$100,000 - $250,000
179	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 4.90% first year / 3.90% renewal	4.04%	A+	Varies
180	Nationwide Life Insurance Company	Platinum EdgeFlat rate	4.00%	A+	Varies
181	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.55% first year / 3.80% renewal	3.91%	A+	Varies
182	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
183	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
184	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
185	Investors Heritage	Heritage Builder AnnuityFlat rate	3.65%	B++	Varies
186	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 5.20% first year / 3.20% renewal	3.48%	A	$100,000+
187	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.90%	A	Varies
188	Protective Life Insurance Company	Income CreatorFlat rate	2.03%	A+	Varies
189	Protective Life Insurance Company	Income CreatorFlat rate	1.93%	A+	Varies
190	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.94% first year / 1.20% renewal	1.73%	A-	Varies
191	Prudential Financial	Prudential Fixed AnnuityStep schedule: 2.50% first year / 1.53% renewal	1.66%	A+	Varies
192	Corebridge Financial	Assured Edge AdvisoryStep schedule: 2.50% first year / 1.53% renewal	1.66%	A	Varies
193	Nationwide Life Insurance Company	Stable Income AnnuityFlat rate	1.63%	A+	Varies
194	Corebridge Financial	Assured Edge Income BuilderStep schedule: 2.00% first year / 1.03% renewal	1.17%	A	Varies
195	New York Life Insurance and Annuity Corporation (NYLIAC)	Clear Income Advantage - FP SeriesStep schedule: 1.00% first year / 0.04% renewal	0.18%	A++	$100,000 - $1,500,000

25th-75th percentile band: 4.70% to 5.40%. Lowest listed rate: 0.18%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 7-year MYGA rate index

6.45%+39 bps today

The MYGA 7-Year Rate Index averages the top 10 declared 7-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 4.97% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.95% → Jul 14, 2026: 6.06% · range 5.95%-6.07%

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

Free Comparison Report

Get 7-year MYGA rates matched to you

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

Get Free Report

MYGA rates by term

2-year MYGA ratesFull market table 3-year MYGA ratesFull market table 4-year MYGA ratesFull market table 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 10-year MYGA ratesFull market table

Best 7-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

7-year MYGA rates FAQ

What is a 7-year MYGA?

A 7-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 7-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 7-Year MYGA Rates page?

The best-rates page ranks the top 25 7-year products. This hub shows the full visible 7-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 195 7-year rate rows from the live feed.

Why do 7-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 7-year rate locked for the whole term?

Most 7-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 7-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.