MYGAFirst observed Sep 9, 2026
EverStead MYGA - Guarantee-period yield rose
Talcott Financial Group - Guarantee-period yield moved from 4.85% to 5.25%
Guarantee-period yield · 5-year guarantee
40 bp
4.85%to5.25%
Rates as of September 9, 2026 · CANNEX source data
Fixed Annuity Rates Today
Today's top fixed annuity rate
5.80% - Oceanview Life and Annuity Company, 10-year fixed annuity rate, AM Best A. Compare MYGA rates by term and carrier strength below.
Live MYGA rates
Fixed annuity rates shown here are MYGA guaranteed rates pulled from CANNEX through AdvisorWorld across 16 carriers in this filtered view. AM Best ratings are shown beside rates so the rate-strength tradeoff is visible.
23
MYGA products in this view
16
Carriers in this view
Unavailable
Median 5-year comparable rate
A-
Default AM Best floor
Comparable by term
One honest market read for each guarantee term
The large figure uses an A- or better carrier floor. The all-carrier high stays beside it so the strength tradeoff is visible. Step and simple quotes enter only through their full-term comparable annual rate.
MYGA rate finder
Compare fixed annuity rates by term, state, carrier, and AM Best rating
Choose a term and premium, then filter the live CANNEX feed by state availability, carrier, and minimum AM Best rating. The first page shows up to 25 matching products instead of one highlighted rate.
23 matching rates · median 5.40%
Ranked by full-term comparable annual rate · swipe the table to see every column →
| Compare | Carrier | Product | Term | Comparable | Advertised | Schedule | AM Best | Availability | Premium | Free W/D | Rate date | Details |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oceanview Life and Annuity Company | Harbourview Multi-Year Guaranteed Annuity | 10-year | 5.80% | 5.80% | Flat | A | Select state | $100,000+ | 10.00% | |||
| Oxford Life Insurance Company | Multi Select | 10-year | 5.80% | 5.80% | Flat | A | Select state | Varies | 10.00% | |||
| Royal Neighbors of America | Multi-year Guarantee Annuity | 10-year | 5.80% | 5.80% | Flat | A | Select state | $100,000+ | Not published | |||
| Talcott Financial Group | EverStead MYGA | 10-year | 5.70% | 5.70% | Flat | A- | Select state | $100,000 - $500,000 | 10.00% | |||
| Delaware Life | Pinnacle Plus MYGA | 10-year | 5.60% | 5.60% | Flat | A- | Select state | $100,000+ | 10.00% | |||
| Oceanview Life and Annuity Company | Sky Harbourview Multi-Year Guaranteed Annuity | 10-year | 5.55% | 5.55% | Flat | A | Select state | $100,000+ | 10.00% | |||
| Reliance Standard Life Insurance Company | Reliance Guarantee | 10-year | 5.50% | 5.50% | Flat | A++ | Select state | Varies | Not published | |||
| Lincoln Financial | MyGuarantee Plus | 10-year | 5.50% | 5.50% | Flat | A | Select state | $100,000+ | 10.00% | |||
| Axonic Insurance Services | Waypoint MYGA | 10-year | 5.50% | 5.50% | Flat | A- | Select state | $100,000+ | Not published | |||
| Lincoln Financial | Lincoln Select | 10-year | 5.40% | 5.40% | Flat | A | Select state | $100,000+ | Not published | |||
| Clear Spring Life and Annuity Company | Preserve Multi-Year Guaranteed Annuity | 10-year | 5.40% | 5.40% | Flat | A- | Select state | $100,000+ | Not published | |||
| Axonic Insurance Services | Incline Advisory MYGA | 10-year | 5.40% | 5.40% | Flat | A- | Select state | $100,000+ | Not published | |||
| American National Insurance Company | Palladium MYG Max | 10-year | 5.30% | 5.30% | Flat | A | Select state | $100,000 - $250,000 | Not published | |||
| Axonic Insurance Services | Incline MYGA | 10-year | 5.30% | 5.30% | Flat | A- | Select state | $100,000+ | Not published | |||
| Corebridge Financial | American Pathway Vision MYG | 10-year | 5.25% | 5.25% | Flat | A | Select state | $100,000+ | Not published | |||
| Pacific Guardian Life | Diamond Head MYGA | 10-year | 5.20% | 5.20% | Flat | A | Select state | Varies | Not published | |||
| American National Insurance Company | Palladium MYG | 10-year | 5.15% | 5.15% | Flat | A | Select state | $100,000 - $250,000 | Not published | |||
| The Standard | Focused Growth Annuity | 10-year | 4.80% | 4.80% | Flat | A | Select state | $100,000+ | Not published | |||
| Integrity Life Insurance Company (W&S) | MultiVantage | 10-year | 4.35% | 5.25% year 1 | Step · bonus | A+ | Select state | Varies | Not published | |||
| Nationwide Life Insurance Company | Platinum Edge | 10-year | 4.25% | 4.25% | Flat | A+ | Select state | Varies | Not published | |||
| Integrity Life Insurance Company (W&S) | New Momentum | 10-year | 4.12% | 4.80% year 1 | Step · bonus | A+ | Select state | Varies | Not published | |||
| Guaranty Income Life Insurance Company | Guaranty Rate Lock | 10-year | 3.70% | 3.70% | Flat | A- | Select state | $100,000 - $250,000 | Not published | |||
| Corebridge Financial | Assured Edge Income Achiever | 10-year | 2.00% | 2.00% | Flat | A | Select state | Varies | Not published |
Actual filtered market
Comparable-rate distribution
Each bar counts a visible rate in the current term, premium, state, rating, carrier, and schedule filters. These bins are calculated from the rows above.
2.00–2.25%
1
2.25–2.50%
0
2.50–2.75%
0
2.75–3.00%
0
3.00–3.25%
0
3.25–3.50%
0
3.50–3.75%
1
3.75–4.00%
0
4.00–4.25%
1
4.25–4.50%
2
4.50–4.75%
0
4.75–5.00%
1
5.00–5.25%
2
5.25–5.50%
6
5.50–5.75%
6
5.75–6.00%
3
6.00–6.25%
0
Rates sourced from CANNEX Financial Exchanges. State filters return products available in that state when AdvisorWorld provides state-filtered results. Select any product for details. Updated dates appear in the expanded product detail when available; rate feed dates may vary by carrier.
This week
Fixed annuity (MYGA) rate movements
Guaranteed fixed annuity rate changes detected from the CANNEX daily refresh.
MYGAFirst observed Sep 9, 2026
EverStead MYGA - First-year rate component rose
Talcott Financial Group - First-year rate component moved from 4.85% to 5.15%
First-year component · 3-year guarantee
30 bp
4.85%to5.15%
MYGAFirst observed Sep 9, 2026
EverStead MYGA - First-year rate component rose
Talcott Financial Group - First-year rate component moved from 5.20% to 5.50%
First-year component · 7-year guarantee
30 bp
5.20%to5.50%
MYGAFirst observed Sep 9, 2026
EverStead MYGA - Guarantee-period yield rose
Talcott Financial Group - Guarantee-period yield moved from 4.85% to 5.25%
Guarantee-period yield · 5-year guarantee
40 bp
4.85%to5.25%
Source: CANNEX daily refresh. MYGA movements reflect guaranteed or credited rate changes by term; availability can still vary by carrier, state, and premium band.
In context
Today's best MYGA vs. a CD benchmark
A multi-year guaranteed annuity locks a guaranteed rate like a CD, but it is tax-deferred and backed by the issuing insurer rather than FDIC insurance.
Unavailable
Top 5-year MYGA guaranteed rate
CANNEX rate unavailable
vs
1.36%
FDIC national 60-month CD rate
Benchmark only · not CANNEX · August 2026
CD benchmark source: FDIC national rates via FRED. CDs may be FDIC or NCUA insured when held at eligible institutions and within applicable limits; annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.
Fixed annuity basics
What is a MYGA?
Full term
Comparable first
Flat rates stay as stated; simple and step schedules use a compound-equivalent annual rate across the full term.
3·10 years
Term matters
Compare 3-, 5-, 7-, and 10-year rates against your actual liquidity timeline.
A-↑
Carrier strength matters
The guarantee depends on the issuing carrier's claims-paying ability. The finder defaults to AM Best A- or better and lets you expose every rating.
Get fixed annuity rates matched to you
See current MYGA rates for your state, premium, age, and term in a personalized comparison.
Get my rate reportFixed annuity rates FAQ
What are fixed annuity rates today?
Current MYGA rates vary by term and carrier. In this view, the median 10-year comparable annual rate is 5.50% across 36 rates.
Are MYGA rates the same as fixed annuity rates?
For most people searching fixed annuity rates, yes: MYGA rates are multi-year guaranteed fixed annuity rates. The carrier guarantees the fixed interest rate for the stated term.
What is the best fixed annuity rate?
The highest comparable 10-year rate in the current A- or better cohort is 5.80% from Oceanview Life and Annuity Company. This figure is calculated from 36 rates in that selected-term cohort and can change with the filters.
How do MYGA rates compare to CDs?
MYGAs and CDs both offer fixed rates for a term, but MYGA growth is tax-deferred and backed by the issuing insurer rather than FDIC insurance. The CD rate shown here is a benchmark, not a CANNEX annuity rate.
Are fixed annuity rates FDIC insured?
No. Fixed annuity guarantees are backed by the issuing insurance carrier's claims-paying ability. They are not bank deposits and are not FDIC insured.
Sources and data: all fixed annuity and MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of September 9, 2026. The CD figure is the FDIC national 60-month CD benchmark via FRED, not a CANNEX rate. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration.