7-Year MYGA Rates: The Full Market Table

Every visible 7-year multi-year guaranteed annuity rate in the CANNEX feed - 107 rates across 53 carriers, as of October 2, 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.

6.50%

Top 7-year rate

5.32%

Market average

5.50%

Median rate

107

Rates listed

top 7-year rate: 6.50% from Aspida Life Insurance Company (AM Best A-).

Full market

All 7-year MYGA rates, filterable

The complete 7-year table at a $100,000 premium, as of October 2, 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.

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Showing 107 of 107 7-year MYGA rates.

#	Carrier	Product	7-Year Comparable Annual Rate	AM Best	Premium
1	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.50%	A-	$100,000+
2	Canvas Annuity	Canvas Future FundFlat rate	6.40%	B++	Varies
3	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
4	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.15%	B++	Varies
5	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
6	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
7	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	6.05%	A-	$100,000+
8	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.05%	B++	Varies
9	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	6.05%	B++	Varies
10	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.95%	A+	$100,000+
11	Athene Annuity and Life Company	Athene MYGFlat rate	5.90%	A+	$100,000+
12	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.90%	A	$75,000+
13	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.90%	A-	$100,000+
14	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.85%	A	$100,000+
15	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.85%	A-	$100,000+
16	Knighthead Life	StaysailFlat rate	5.83%	A-	$100,000+
17	AuguStar Financial	LunarLock MYGAFlat rate	5.80%	A	$100,000+
18	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.80%	A-	$100,000+
19	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
20	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.75%	A+	Varies
21	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.75%	A+	Varies
22	Prudential Financial	Prudential WealthGuardFlat rate	5.75%	A+	$100,000+
23	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.75%	A+	Varies
24	Symetra Life Insurance Company	Select MaxFlat rate	5.75%	A	$100,000 - $250,000
25	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.75%	A	$100,000+
26	AuguStar Financial	LunarLock PrimeFlat rate	5.75%	A	$100,000+
27	Mountain Life Insurance Company	Secure SummitFlat rate	5.75%	B-	Varies
28	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.70%	A+	$100,000+
29	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.70%	A	$100,000+
30	Oxford Life Insurance Company	Multi SelectFlat rate	5.70%	A	Varies
31	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.70%	A	$100,000+
32	Protective Life Insurance Company	SecureSaverFlat rate	5.65%	A+	$75,000+
33	Delaware Life	Apex MYGAFlat rate	5.65%	A-	$100,000+
34	Delaware Life	Pinnacle Plus MYGAFlat rate	5.65%	A-	$100,000+
35	Axonic Insurance Services	Waypoint MYGAFlat rate	5.65%	A-	$100,000+
36	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.60%	A++	Varies
37	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.60%	A+	$100,000+
38	Lincoln Financial	Lincoln SelectFlat rate	5.60%	A	$100,000+
39	Symetra Life Insurance Company	Select ProFlat rate	5.60%	A	$100,000 - $250,000
40	Corebridge Financial	American Pathway AdvisoryFlat rate	5.60%	A	$100,000 - $250,000
41	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.60%	A-	$100,000+
42	Delaware Life	Apex ControlFlat rate	5.60%	A-	$100,000+
43	Axonic Insurance Services	Incline MYGAFlat rate	5.60%	A-	$100,000+
44	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.55%	A+	$100,000 - $250,000
45	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.55%	A+	$100,000+
46	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.55%	A+	$100,000+
47	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.55%	A	$100,000+
48	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.55%	A	Varies
49	Corebridge Financial	Foundation AnnuityFlat rate	5.55%	A	$100,000+
50	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.55%	B++	Varies
51	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.50%	A	$100,000+
52	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.50%	A	$100,000+
53	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.50%	A	$100,000+
54	Corebridge Financial	Pathway ChoiceFlat rate	5.50%	A	$100,000 - $250,000
55	Talcott Financial Group	EverStead MYGAFlat rate	5.50%	A-	$100,000 - $500,000
56	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.50%	B++	Varies
57	Lincoln Financial	MyGuarantee PlusFlat rate	5.45%	A	$100,000+
58	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.45%	A	$100,000+
59	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.45%	A	$100,000+
60	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.45%	A-	$100,000+
61	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.40%	A++	$100,000 - $1,500,000
62	American National Insurance Company	Palladium MYG MaxFlat rate	5.40%	A	$100,000 - $250,000
63	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.40%	A-	$100,000+
64	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
65	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.35%	A++	$100,000+
66	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.35%	A++	$100,000 - $1,500,000
67	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.35%	A++	$100,000 - $1,000,000
68	Pacific Life Insurance Company	Expedition IIFlat rate	5.35%	A+	$100,000+
69	Protective Life Insurance Company	Smart Saver NYFlat rate	5.35%	A+	$100,000+
70	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.35%	A	$100,000 - $250,000
71	AuguStar Financial	LunarGuard MYGAFlat rate	5.35%	A	$100,000+
72	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.35%	B++	Varies
73	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.30%	A+	$100,000+
74	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.30%	A	$100,000+
75	Corebridge Financial	American Pathway Vision MYGFlat rate	5.30%	A	$100,000+
76	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.30%	A	Varies
77	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.30%	A	$100,000+
78	American National Insurance Company	Palladium MYGFlat rate	5.30%	A	$100,000 - $250,000
79	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.25%	A+	$100,000 - $500,000
80	American National Insurance Company	Palladium Match MYGFlat rate	5.25%	A	$100,000 - $250,000
81	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	5.20%	A	$100,000 - $249,999
82	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.20%	A	$100,000+
83	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
84	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	5.15%	A++	$100,000+
85	Corebridge Financial	Pathway Choice Focus NYFlat rate	5.15%	A	$100,000 - $250,000
86	The Standard	Focused Growth AnnuityFlat rate	5.10%	A	$100,000+
87	MassMutual Ascend Life Insurance Company	SecureGain 7 - 2025Flat rate	5.05%	A++	$100,000+
88	The Standard	Multi-Choice AnnuityFlat rate	5.05%	A	$100,000+
89	American Gulf	Anchor MYGAFlat rate	5.00%	B++	Varies
90	NexAnnuity	Nex MYGAFlat rate	5.00%	B+	Varies
91	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.95%	A	$100,000+
92	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
93	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.75%	A+	$100,000+
94	MassMutual Ascend Life Insurance Company	American Freedom Aspire 7Flat rate	4.70%	A++	$100,000+
95	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.70%	A+	$100,000+
96	MassMutual Ascend Life Insurance Company	American Freedom Classic 7 - 2025Flat rate	4.65%	A++	$100,000+
97	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.60%	A+	$100,000+
98	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
99	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
100	Nationwide Life Insurance Company	Platinum EdgeFlat rate	4.00%	A+	Varies
101	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
102	Investors Heritage	Heritage Builder AnnuityFlat rate	3.65%	B++	Varies
103	Protective Life Insurance Company	Income CreatorFlat rate	3.00%	A+	Varies
104	Prudential Financial	Prudential Fixed AnnuityFlat rate	3.00%	A+	Varies
105	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.90%	A	Varies
106	Nationwide Life Insurance Company	Stable Income AnnuityFlat rate	2.60%	A+	Varies
107	Corebridge Financial	Assured Edge AdvisoryFlat rate	2.50%	A	Varies

25th-75th percentile band: 5.20% to 5.70%. Lowest listed rate: 2.50%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 7-year MYGA rate index

6.43%+4 bps vs. prior observation

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 5.32% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Aug 24, 2026: 5.95% → Oct 1, 2026: 6.25% · range 5.95%-6.25%

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 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 10-year MYGA ratesFull market table 20-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 with contractually guaranteed interest for a 7-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 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 lists 107 7-year rates from the 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 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 7-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of October 2, 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.