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MYGA Plus™
Current published rates by contract term, premium band, option and jurisdiction.
AM Best financial strength: A- · Rating date not supplied
Financial strength concerns the insurer’s ability to pay claims, not the performance of a crediting option.
How to think about this contract
The fixed option credits simple interest. The separate index-linked option has a conditional credit; its quoted rate is not a guaranteed fixed return or an APY.
Confirm state eligibility and the exact option before comparing rates. These rate tables do not quote surrender values or mid-year withdrawals.
Supported states
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WY
Guaranteed fixed rates and conditional index-linked rates by term
3-year contract term · Base schedule — state eligibility unresolved
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.50% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 5.85% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.10% | 2026-10-15 |
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.15% | 2026-10-15 |
3-year contract term · CA
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.40% | 2026-10-15 |
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.05% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 5.75% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.00% | 2026-10-15 |
5-year contract term · Base schedule — state eligibility unresolved
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.75% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.30% | 2026-10-15 |
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.60% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.35% | 2026-10-15 |
5-year contract term · CA
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.50% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.20% | 2026-10-15 |
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.65% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.25% | 2026-10-15 |
7-year contract term · Base schedule — state eligibility unresolved
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 8.00% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.60% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.50% | 2026-10-15 |
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.85% | 2026-10-15 |
7-year contract term · CA
| Premium band | Index / strategy | Option | Floor | Rate type | Published rate | Effective date |
|---|---|---|---|---|---|---|
| $100,000–$2,000,000 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.90% | 2026-10-15 |
| $10,000–$99,999 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.40% | 2026-10-15 |
| $10,000–$99,999 | S&P 500 Index-Linked OptionMYGA conditional index-linked option | MYGA conditional index-linked option | Not applicable | Conditional index credit | 7.50% | 2026-10-15 |
| $100,000–$2,000,000 | Fixed OptionMYGA fixed option | MYGA fixed option | Not applicable | Fixed simple interest | 6.75% | 2026-10-15 |
Rate source
Ibexis published rate sheets, effective 2026-10-15. Product availability checked 2026-10-20. Values retain their reviewed source and product version.
Annuities are insurance contracts. Product terms and availability vary by state; review the issued contract and current carrier materials before a purchase.
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