Annuity rate data from AdvisorWorld and CANNEX carrier feeds
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See a second Texas example using 40% MYGA, 40% FIA growth, and 20% FIA income, a user-assumed 8% one-year S&P 500 change, and a user-entered $100,000 hypothetical income base.
The answer below uses three complete groups of data checked for the matching annuity type.
Three sleeves · unlike metrics stay separate
The guaranteed rate, FIA cap, and rider withdrawal rate below are not interchangeable returns. Each comes from CANNEX data checked for the matching annuity type.
MYGA fixed-rate sleeve
7%
5-year guaranteed rate
Simplified first-year interest
$17,500
Allocation × guaranteed annual rate. This is an educational one-year calculation, not a carrier illustration or surrender-value quote.
Source selection: Mountain Life Insurance Company · Simple Summit
A.M. Best rating: B-
Data date: November 13, 2026
FIA accumulation sleeve
13.25%
No-fee annual S&P 500 one-year point-to-point cap
User-hypothetical one-year credit
8% · $20,000
Uses your 8% hypothetical S&P 500 price change, floored at 0% and limited by the cap. Dividends are excluded. Contract terms control actual credits.
Source selection: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA
A.M. Best rating: A++
Data date: November 13, 2026
FIA income sleeve
13.1%
Lifetime withdrawal rate at age 60 after 10 years
User-hypothetical annual withdrawal
$13,100
Your hypothetical $100,000 income base × withdrawal rate. An income base is not cash value or premium; actual bases require product-specific rider mechanics and fees.
Source selection: Allianz Life Insurance Company of North America · Retirement Foundation ADV
A.M. Best rating: A+
Data date: November 13, 2026
Hypothetical first-year accumulation credits
$37,500
MYGA interest plus the simplified FIA index credit. This excludes the income-rider withdrawal because a withdrawal is not investment growth.
Allocation check
40% MYGA · 40% FIA growth · 20% FIA income
Data source: CANNEX via AdvisorWorld. The report date is the oldest data date among the sections shown above: November 13, 2026.
Rates vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing insurer’s claims-paying ability—not FDIC-insured.
Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm current state availability, contract terms, fees, crediting details, and rider mechanics before acting.
MYGA, no-fee annual S&P 500 one-year point-to-point FIA cap, and FIA lifetime withdrawal-rate options are selected separately through family and plausibility checks. Dollar examples use the scenario’s own $625,000 allocation, 8% index assumption, and $100,000 hypothetical income base.
This prepared example checks for newer source data while retaining the last valid result; it is not a frozen record or immutable citation. Treat each sleeve’s verified date as point-in-time context, and keep the index return and income base labeled as scenario hypotheticals.
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Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm state availability, surrender terms, fees, crediting details, rider mechanics, and insurer claims-paying ability before acting.
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