7-Year MYGA Rates: The Full Market Table

Every visible 7-year multi-year guaranteed annuity rate in the CANNEX feed - 197 rates across 54 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.

7.90%

Top 7-year rate

5.15%

Market average

5.20%

Median rate

197

Rates listed

top 7-year rate: 7.90% 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 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 7-year MYGA rates.

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Showing 197 of 197 7-year MYGA rates.

#	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	7.90%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.85% first year / 6.85% renewal	7.85%	B	Varies
3	Knighthead Life	StaysailFlat rate	6.80%	A-	$100,000+
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.75% first year / 5.75% renewal	6.75%	B	Varies
5	Knighthead Life	StaysailFlat rate	6.70%	A-	$100,000+
6	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
7	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
8	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 6.20% first year / 4.20% renewal	6.20%	A	$100,000+
9	Canvas Annuity	Canvas Future FundFlat rate	6.20%	B++	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
11	Knighthead Life	StaysailFlat rate	6.15%	A-	$100,000+
12	Revol One Financial	DirectGrowth MYGAFlat rate	6.15%	B++	Varies
13	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
14	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
15	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.05% first year / 4.05% renewal	6.05%	A+	Varies
16	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.05%	A-	$100,000+
17	Knighthead Life	StaysailFlat rate	6.05%	A-	$100,000+
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	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
22	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.00% first year / 4.00% renewal	6.00%	A+	Varies
23	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
24	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.95%	B++	Varies
25	Revol One Financial	DirectGrowth MYGAFlat rate	5.95%	B++	Varies
26	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.95%	B++	Varies
27	Wichita National Life Insurance	Security MYGAFlat rate	5.95%	B+	Varies
28	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
29	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.85%	B++	Varies
30	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
31	Mountain Life Insurance Company	Secure SummitFlat rate	5.75%	B+	Varies
32	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.70%	A-	$100,000+
33	Oxford Life Insurance Company	Multi SelectFlat rate	5.65%	A	Varies
34	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
35	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.60%	A	$75,000+
36	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.60%	A-	$100,000+
37	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.60%	B++	Varies
38	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.60%	B++	Varies
39	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
40	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.55%	A+	$100,000+
41	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.55%	A	$100,000+
42	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.55%	A	Varies
43	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.55%	B++	Varies
44	Athene Annuity and Life Company	Athene MYGFlat rate	5.50%	A+	$100,000+
45	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.50%	A+	$100,000+
46	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.50%	A+	Varies
47	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.50%	A+	Varies
48	Symetra Life Insurance Company	Select MaxFlat rate	5.50%	A	$100,000 - $250,000
49	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.50%	A	$100,000+
50	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.50%	A-	$100,000+
51	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.50%	A-	$100,000+
52	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
53	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
54	Mountain Life Insurance Company	Secure SummitFlat rate	5.50%	B+	Varies
55	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.45%	A++	Varies
56	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.45%	A+	Varies
57	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.45%	A	$100,000+
58	AuguStar Financial	LunarLock MYGAFlat rate	5.45%	A	$100,000+
59	Delaware Life	Apex MYGAFlat rate	5.45%	A-	$100,000+
60	Delaware Life	Pinnacle Plus MYGAFlat rate	5.45%	A-	$100,000+
61	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.45%	A-	$100,000+
62	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.45%	B++	Varies
63	Protective Life Insurance Company	SecureSaverFlat rate	5.40%	A+	$75,000+
64	Athene Annuity and Life Company	Athene MYGFlat rate	5.40%	A+	$100,000+
65	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.40%	A	$100,000+
66	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.40%	A	$100,000+
67	Symetra Life Insurance Company	Select ProFlat rate	5.40%	A	$100,000 - $250,000
68	American National Insurance Company	Palladium MYG MaxFlat rate	5.40%	A	$100,000 - $250,000
69	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.40%	A	$100,000+
70	Delaware Life	Apex ControlFlat rate	5.40%	A-	$100,000+
71	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
72	Prudential Financial	Prudential WealthGuardFlat rate	5.35%	A+	$100,000+
73	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.35%	A	$100,000+
74	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.35%	A	$100,000+
75	AuguStar Financial	LunarLock MYGAFlat rate	5.35%	A	$100,000+
76	AuguStar Financial	LunarLock PrimeFlat rate	5.35%	A	$100,000+
77	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.35%	A-	$100,000+
78	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.35%	B++	Varies
79	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.30%	A+	$100,000 - $250,000
80	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.30%	A+	$100,000+
81	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.30%	A+	$100,000+
82	American National Insurance Company	Palladium MYGFlat rate	5.30%	A	$100,000 - $250,000
83	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.30%	A	$100,000+
84	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
85	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.30%	A-	$100,000+
86	Axonic Insurance Services	Incline MYGAFlat rate	5.30%	A-	$100,000+
87	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.25%	A+	$100,000 - $500,000
88	Athene Annuity and Life Company	Athene MYGFlat rate	5.25%	A+	$100,000+
89	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.25%	A+	$100,000+
90	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.25%	A+	$100,000+
91	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.25%	A	$100,000+
92	Symetra Life Insurance Company	Select ProFlat rate	5.25%	A	$100,000 - $250,000
93	American National Insurance Company	Palladium Match MYGFlat rate	5.25%	A	$100,000 - $250,000
94	AuguStar Financial	LunarLock PrimeFlat rate	5.25%	A	$100,000+
95	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.20%	A++	$100,000 - $1,000,000
96	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.20%	A+	$100,000+
97	Lincoln Financial	Lincoln SelectFlat rate	5.20%	A	$100,000+
98	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.20%	A	Varies
99	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.20%	A	$100,000+
100	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 5.20% first year / 3.20% renewal	5.20%	A	$100,000+
101	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
102	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
103	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.20%	A-	$100,000+
104	Talcott Financial Group	EverStead MYGAFlat rate	5.20%	A-	$100,000 - $500,000
105	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.15%	A+	$100,000 - $500,000
106	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.15%	A+	$100,000+
107	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.15%	A-	$100,000+
108	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.15%	A-	$100,000+
109	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 5.10% first year / 4.10% renewal	5.10%	A+	Varies
110	Pacific Life Insurance Company	Expedition IIFlat rate	5.10%	A+	$100,000+
111	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	5.10%	A+	Varies
112	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.10%	A	$100,000+
113	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.10%	A	$100,000+
114	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
115	AuguStar Financial	LunarGuard MYGAFlat rate	5.10%	A	$100,000+
116	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.10%	A-	$100,000+
117	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.05%	A++	$100,000 - $1,500,000
118	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.05% first year / 4.05% renewal	5.05%	A+	Varies
119	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.05%	A+	$100,000+
120	Lincoln Financial	MyGuarantee PlusFlat rate	5.05%	A	$100,000+
121	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
122	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.05%	A	$100,000+
123	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
124	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.00%	A++	$100,000+
125	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.00%	A++	$100,000 - $1,500,000
126	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.00%	A	$100,000+
127	The Standard	Focused Growth AnnuityFlat rate	5.00%	A	$100,000+
128	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
129	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
130	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.00%	A-	$100,000+
131	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.00%	B++	Varies
132	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	5.00%	B++	Varies
133	NexAnnuity	Nex MYGAFlat rate	5.00%	B+	Varies
134	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.98% first year / 1.20% renewal	4.98%	A-	Varies
135	Pacific Life Insurance Company	Expedition IIFlat rate	4.95%	A+	$100,000+
136	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
137	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.95%	A	$100,000+
138	The Standard	Multi-Choice AnnuityFlat rate	4.95%	A	$100,000+
139	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.95%	A-	$100,000+
140	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.90%	A	$100,000 - $249,999
141	The Standard	Multi-Choice AnnuityFlat rate	4.90%	A	$100,000+
142	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.90%	A-	$100,000+
143	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.85%	A++	$100,000+
144	The Standard	Multi-Choice AnnuityFlat rate	4.85%	A	$100,000+
145	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.85%	A	$100,000+
146	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
147	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
148	NexAnnuity	Nex MYGAFlat rate	4.85%	B+	Varies
149	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.80%	A++	$100,000+
150	Pacific Life Insurance Company	Expedition IIFlat rate	4.80%	A+	$100,000+
151	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
152	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
153	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.80%	A-	$100,000+
154	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
155	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
156	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.75%	A++	$100,000+
157	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.75%	A	$100,000+
158	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
159	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
160	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.75%	A-	$100,000+
161	MassMutual Ascend Life Insurance Company	American Freedom Aspire 7Flat rate	4.70%	A++	$100,000+
162	MassMutual Ascend Life Insurance Company	SecureGain 7 - 2025Flat rate	4.70%	A++	$100,000+
163	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.70%	A+	$100,000+
164	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.70% first year / 3.95% renewal	4.70%	A+	Varies
165	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
166	NexAnnuity	Nex MYGAFlat rate	4.70%	B+	Varies
167	MassMutual Ascend Life Insurance Company	American Freedom Classic 7 - 2025Flat rate	4.65%	A++	$100,000+
168	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
169	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
170	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
171	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.55% first year / 3.55% renewal	4.55%	A++	$100,000+
172	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
173	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
174	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
175	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.45% first year / 3.45% renewal	4.45%	A++	$100,000+
176	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.40%	A+	$100,000+
177	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
178	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
179	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.35%	A+	$100,000+
180	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
181	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.25%	A+	$100,000+
182	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.15%	A+	$100,000+
183	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
184	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.05%	A+	$100,000+
185	American National Insurance Company	Palladium MYGFlat rate	4.05%	A	$100,000 - $250,000
186	Nationwide Life Insurance Company	Platinum EdgeFlat rate	4.00%	A+	Varies
187	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
188	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
189	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
190	Investors Heritage	Heritage Builder AnnuityFlat rate	3.65%	B++	Varies
191	Protective Life Insurance Company	Income CreatorFlat rate	3.00%	A+	Varies
192	Prudential Financial	Prudential Fixed AnnuityFlat rate	3.00%	A+	Varies
193	Protective Life Insurance Company	Income CreatorFlat rate	2.90%	A+	Varies
194	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.90%	A	Varies
195	Nationwide Life Insurance Company	Stable Income AnnuityFlat rate	2.60%	A+	Varies
196	Corebridge Financial	Assured Edge AdvisoryFlat rate	2.50%	A	Varies
197	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.00%	A	Varies

25th-75th percentile band: 4.85% to 5.50%. Lowest listed rate: 2.00%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 7-year MYGA rate index

6.15%+3 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 5.15% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.95% → Aug 3, 2026: 6.09% · range 5.95%-6.09%

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

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

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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 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 lists 197 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 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.