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CANNEX change ledger

What changed in annuity rates

A reader-first record of observed MYGA, FIA and RILA repricing. Rate bands and terms move together in one product row, while every underlying transition stays visible.

Latest event first observed Nov 2, 2026

Raised

Observed in the last 7 days

Lowered

Observed in the last 7 days

Added

Observed in the last 7 days

Product repricings

Change ledger

12 grouped repricings · 200 source rows

Day-level analytics are suppressed because this view reached its display limit. Use the filters above to narrow the result and inspect every matching change.

Monday, November 2, 2026

RILAPacific Life Insurance Company

Pacific Protective Growth Annuity

6 rate bands/terms

6 source fields grouped

Cap rate
S&P 500 Index · 6y · 6-year term · Premium $0 and up
120%→130%+1000 bps
Cap rate
iShares Russell 2000 ETF · 6y · 6-year term · Premium $0 and up
60%→65%+500 bps
Cap rate
First Trust Growth Strength Net Fee Index · 6y · 6-year term · Premium $0 and up
50%→55%+500 bps
Cap rate
S&P 500 Index · 6y · 6-year term · Premium $0 and up
100%→110%+1000 bps
Cap rate
Invesco QQQ Trust Series 1 · 6y · 6-year term · Premium $0 and up
50%→55%+500 bps
Cap rate
S&P 500 Index · 6y · 6-year term · Premium $0 and up
60%→65%+500 bps

RILAPrudential Financial

FlexGuard Income 2.0

27 rate bands/terms

27 source fields grouped

Cap rate
S&P 500 Index · 6y · 6-year term · Premium $0 and up
55%→60%+500 bps
Cap rate
AB 500 Plus Index · 6y · 6-year term · Premium $0 and up
75%→100%+2500 bps
Participation rate
Participation Rate with Cap · AB 500 Plus Index · 6y · 6-year term · Premium $0 and up
140%→135%−5.00 pts
Participation rate
Participation Rate · S&P 500 Index · Annual · 1-year term
60%→75%+15.00 pts
Participation rate
Participation Rate with Cap · S&P 500 Index · 6y · 6-year term · Premium $0 and up
130%→125%−5.00 pts
Declared rate
Step Rate · S&P 500 Index · Annual · 1-year term
11%→9%−200 bps
Cap rate
Invesco QQQ Trust Series 1 · 3-Year · 3-year term · Premium $0 and up
47%→55%+800 bps
Declared rate
Step Rate · S&P 500 Index · Annual · 1-year term
13.25%→10.5%−275 bps
Spread
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
1.25%→1.75%+50 bps
Participation rate
Participation Rate with Cap · iShares Russell 2000 ETF · 6y · 6-year term · Premium $0 and up
145%→135%−10.00 pts
Cap rate
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
17%→19%+200 bps
Spread
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
1.25%→1.75%+50 bps
Cap rate
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
Removed 32%Removed
Spread
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
1.25%→1.75%+50 bps
Cap rate
Dimensional International Equity Focus Index · 6y · 6-year term · Premium $0 and up
70%→95%+2500 bps
Participation rate
Participation Rate with Cap · Dimensional International Equity Focus Index · 6y · 6-year term · Premium $0 and up
135%→130%−5.00 pts
Declared rate
Step Rate · MSCI EAFE Index · Annual · 1-year term
13.75%→11%−275 bps
Spread
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
1.25%→1.75%+50 bps
Participation rate
Participation Rate with Cap · MSCI EAFE Index · 6y · 6-year term · Premium $0 and up
145%→140%−5.00 pts
Strategy guarantee
AB 500 Plus Index · 3-Year · 3-year term
10%→20%+10.00 pts
Participation rate
Participation Rate · MSCI EAFE Index · Annual · 1-year term
60%→75%+15.00 pts
Cap rate
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
20%→30%+1000 bps
Participation rate
Participation Rate · S&P 500 Index · Annual · 1-year term
60%→75%+15.00 pts
Participation rate
Participation Rate with Cap · Invesco QQQ Trust Series 1 · 6y · 6-year term · Premium $0 and up
140%→130%−10.00 pts
Cap rate
Invesco QQQ Trust Series 1 · 3-Year · 3-year term · Premium $0 and up
70%→75%+500 bps
Cap rate
MSCI EAFE Index · 3-Year · 3-year term · Premium $0 and up
350%→55%−29500 bps
Cap rate
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
20%→25%+500 bps

RILAPrudential Financial

FlexGuard 2.0

27 rate bands/terms

27 source fields grouped

Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0 and up
6%→7%+100 bps
Participation rate
Participation Rate · S&P 500 Index · Annual · 1-year term
65%→75%+10.00 pts
Cap rate
MSCI EAFE Index · 3-Year · 3-year term · Premium $0 and up
300%→50%−25000 bps
Spread
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
1.25%→2.25%+100 bps
Cap rate
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
Removed 25%Removed
Cap rate
Dimensional International Equity Focus Index · 6y · 6-year term · Premium $0 and up
60%→75%+1500 bps
Cap rate
iShares Russell 2000 ETF · 3-Year · 3-year term · Premium $0 and up
110%→80%−3000 bps
Spread
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
1.25%→2.25%+100 bps
Spread
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
1.25%→2.25%+100 bps
Participation rate
Tier 2 Participation Rate · S&P 500 Index · 6y · 6-year term
104%→102%−2.00 pts
Cap rate
MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
18.75%→17.75%−100 bps
Declared rate
Step Rate · S&P 500 Index · Annual · 1-year term
12%→9%−300 bps
Cap rate
iShares Russell 2000 ETF · Annual · 1-year term · Premium $0 and up
23.75%→21%−275 bps
Cap rate
S&P 500 Index · 3-Year · 3-year term · Premium $0 and up
75%→65%−1000 bps
Cap rate
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
16%→20%+400 bps
Strategy guarantee
AB 500 Plus Index · 3-Year · 3-year term
10%→20%+10.00 pts
Cap rate
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
19.5%→25%+550 bps
Spread
Enhanced Cap Rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
1.25%→2%+75 bps
Cap rate
Invesco QQQ Trust Series 1 · 3-Year · 3-year term · Premium $0 and up
65%→60%−500 bps
Participation rate
Tier 2 Participation Rate · AB 500 Plus Index · 6y · 6-year term
120%→115%−5.00 pts
Declared rate
Step Rate · MSCI EAFE Index · Annual · 1-year term
12.25%→9.5%−275 bps
Participation rate
Participation Rate · MSCI EAFE Index · Annual · 1-year term
60%→75%+15.00 pts
Declared rate
Step Rate · S&P 500 Index · Annual · 1-year term
10%→8%−200 bps
Cap rate
AB 500 Plus Index · 3-Year · 3-year term · Premium $0 and up
Added 90%Added
Cap rate
Enhanced Cap Rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up
14.5%→16.5%+200 bps
Participation rate
Participation Rate · S&P 500 Index · Annual · 1-year term
60%→65%+5.00 pts
Cap rate
iShares Russell 2000 ETF · 6y · 6-year term · Premium $0 and up
125%→90%−3500 bps

RILAMinnesota Life Insurance Company - A Securian Co.

AccumuLink Advance

6 rate bands/terms

6 source fields grouped

Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0 and up
18%→19%+100 bps
Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0 and up
7.5%→9%+150 bps
Cap rate
MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
24%→25%+100 bps
Participation rate
MSCI EAFE Index · Annual · 1-year term · Premium $0 and up
75%→80%+5.00 pts
Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0 and up
12%→13%+100 bps
Participation rate
Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up
75%→80%+5.00 pts

FIATalcott Financial Group

EverGuard Assurance 10

89 rate bands/terms

89 source fields grouped

Crediting lineup
ChangedChanged
Withdrawal rate
5.7%→5.8%+10 bps
Withdrawal rate
5.35%→5.45%+10 bps
Withdrawal rate
5.15%→5.25%+10 bps
Withdrawal rate
4.65%→4.75%+10 bps
Withdrawal rate
4.1%→4.2%+10 bps
Withdrawal rate
3.5%→3.6%+10 bps
Withdrawal rate
6.4%→6.5%+10 bps
Withdrawal rate
6.3%→6.4%+10 bps
Withdrawal rate
6.05%→6.15%+10 bps
Withdrawal rate
5.75%→5.85%+10 bps
Withdrawal rate
5.65%→5.75%+10 bps
Withdrawal rate
5.6%→5.7%+10 bps
Withdrawal rate
4.45%→4.55%+10 bps
Withdrawal rate
6.1%→6.65%+55 bps
Withdrawal rate
5.5%→6.1%+60 bps
Withdrawal rate
5.4%→5.9%+50 bps
Withdrawal rate
4.9%→5%+10 bps
Withdrawal rate
4.8%→4.9%+10 bps
Withdrawal rate
6.9%→7.5%+60 bps
Withdrawal rate
6.7%→7.25%+55 bps
Withdrawal rate
6.2%→6.8%+60 bps
Withdrawal rate
6.1%→6.7%+60 bps
Withdrawal rate
5.9%→6.4%+50 bps
Withdrawal rate
5.5%→5.7%+20 bps
Withdrawal rate
5.4%→5.5%+10 bps
Withdrawal rate
5.9%→6%+10 bps
Withdrawal rate
5.8%→5.9%+10 bps
Withdrawal rate
4.25%→4.35%+10 bps
Withdrawal rate
3.95%→4.05%+10 bps
Withdrawal rate
3.75%→3.85%+10 bps
Withdrawal rate
3.6%→3.7%+10 bps
Withdrawal rate
3.4%→3.5%+10 bps
Withdrawal rate
6%→6.1%+10 bps
Withdrawal rate
5.85%→5.95%+10 bps
Withdrawal rate
4.25%→4.35%+10 bps
Withdrawal rate
4%→4.1%+10 bps
Withdrawal rate
7.3%→7.4%+10 bps
Withdrawal rate
7.1%→7.3%+20 bps
Withdrawal rate
6.8%→7.15%+35 bps
Withdrawal rate
6.4%→7%+60 bps
Withdrawal rate
5.2%→5.5%+30 bps
Withdrawal rate
7.6%→7.8%+20 bps
Withdrawal rate
7.3%→7.65%+35 bps
Withdrawal rate
6%→6.6%+60 bps
Withdrawal rate
5.55%→5.65%+10 bps
Withdrawal rate
5.5%→5.6%+10 bps
Withdrawal rate
4.8%→4.9%+10 bps
Withdrawal rate
4.5%→4.6%+10 bps
Withdrawal rate
5.45%→5.55%+10 bps
Withdrawal rate
5.3%→5.4%+10 bps
Withdrawal rate
4.9%→5%+10 bps
Withdrawal rate
4.75%→4.85%+10 bps
Withdrawal rate
3.8%→3.9%+10 bps
Withdrawal rate
7.2%→7.35%+15 bps
Withdrawal rate
7%→7.25%+25 bps
Withdrawal rate
6.9%→7.2%+30 bps
Withdrawal rate
6.7%→7.1%+40 bps
Withdrawal rate
6%→6.55%+55 bps
Withdrawal rate
5.7%→6.3%+60 bps
Withdrawal rate
5.6%→6.2%+60 bps
Withdrawal rate
5%→5.2%+20 bps
Withdrawal rate
7.7%→7.85%+15 bps
Withdrawal rate
7.5%→7.75%+25 bps
Withdrawal rate
7.4%→7.7%+30 bps
Withdrawal rate
6.8%→7.45%+65 bps
Withdrawal rate
6.6%→7.15%+55 bps
Withdrawal rate
6.5%→7.05%+55 bps
Withdrawal rate
5.25%→5.35%+10 bps
Withdrawal rate
5.1%→5.2%+10 bps
Withdrawal rate
4.95%→5.05%+10 bps
Withdrawal rate
4.4%→4.5%+10 bps
Withdrawal rate
3.3%→3.4%+10 bps
Withdrawal rate
6.2%→6.3%+10 bps
Withdrawal rate
5.15%→5.25%+10 bps
Withdrawal rate
5%→5.1%+10 bps
Withdrawal rate
4.6%→4.7%+10 bps
Withdrawal rate
4.1%→4.2%+10 bps
Withdrawal rate
3.9%→4%+10 bps
Withdrawal rate
6.3%→6.95%+65 bps
Withdrawal rate
6.2%→6.75%+55 bps
Withdrawal rate
5.3%→5.75%+45 bps
Withdrawal rate
5.1%→5.4%+30 bps
Withdrawal rate
7.8%→7.9%+10 bps
Withdrawal rate
7.2%→7.6%+40 bps
Withdrawal rate
5.8%→6.25%+45 bps
Withdrawal rate
5.7%→6%+30 bps
Withdrawal rate
5.6%→5.9%+30 bps
Withdrawal rate
5.3%→5.4%+10 bps

FIAAuguStar Financial

Orbiter Growth 7 with Premium Bonus

1 rate band/term

1 source field grouped

Crediting lineup
Premium: under $150k
ChangedChanged

FIASILAC Insurance Company

Denali Bonus 14

11 rate bands/terms

11 source fields grouped

Crediting lineup
ChangedChanged
Premium bonus
19%→24%+500 bps
Premium bonus
19%→24%+500 bps
Premium bonus
22%→25%+300 bps
Premium bonus
24%→29%+500 bps
Premium bonus
24%→29%+500 bps
Premium bonus
19%→24%+500 bps
Premium bonus
24%→29%+500 bps
Premium bonus
17%→20%+300 bps
Premium bonus
17%→20%+300 bps
Premium bonus
22%→25%+300 bps

FIAAmerican National Insurance Company

ASIA Plus

1 rate band/term

1 source field grouped

Strategy guarantee
S&P 500 Index · Annual · 1-year term
2.15%→2.55%+0.40 pts

FIAThe Standard

Thrive Plus 7

10 rate bands/terms

10 source fields grouped

Cap rate
Locked Cap Rate · S&P 500 Index · Annual · 7-year term · Premium $250,000 and up
7.5%→8%+50 bps
Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0–$249,999.99
9%→10%+100 bps
Current crediting rate
Guarantee term: 1 year · Premium: under $250k
3.75%→4.25%+50 bps
Cap rate
Locked Cap Rate · S&P 500 Index · Annual · 7-year term · Premium $0–$249,999.99
7%→7.5%+50 bps
Declared rate
Trigger Rate Plus · S&P 500 Dynamic Intraday TCA Index (USD) ER · Annual · 7-year term · Premium $250,000 and up
7.25%→7.75%+50 bps
Current crediting rate
Guarantee term: 1 year · Premium: $250k+
3.75%→4.25%+50 bps
Cap rate
S&P 500 Dynamic Intraday TCA Index (USD) ER · Annual · 7-year term · Premium $250,000 and up
12.5%→13%+50 bps
Cap rate
S&P 500 Index · Annual · 1-year term · Premium $250,000 and up
9.5%→10.5%+100 bps
Declared rate
Trigger Rate Plus · S&P 500 Dynamic Intraday TCA Index (USD) ER · Annual · 7-year term · Premium $0–$249,999.99
6.75%→7.25%+50 bps
Cap rate
S&P 500 Dynamic Intraday TCA Index (USD) ER · Annual · 7-year term · Premium $0–$249,999.99
12%→12.5%+50 bps

FIAThe Standard

Enhanced Choice Index Plus 10

1 rate band/term

1 source field grouped

Cap rate
S&P 500 Index · Annual · 1-year term · Premium $0 and up
9.25%→9.75%+50 bps

FIAAuguStar Financial

Observatory Bonus Plus 10

6 rate bands/terms

6 source fields grouped

Premium bonus
25%→26%+100 bps
Premium bonus
21%→22%+100 bps
Premium bonus
23%→24%+100 bps
Premium bonus
27%→28%+100 bps
Premium bonus
25%→26%+100 bps
Premium bonus
23%→24%+100 bps

FIAAuguStar Financial

Omega Bonus 10

15 rate bands/terms

15 source fields grouped

Premium bonus
20%→21%+100 bps
Premium bonus
16%→17%+100 bps
Premium bonus
18%→19%+100 bps
Premium bonus
16%→17%+100 bps
Premium bonus
20%→21%+100 bps
Premium bonus
20%→21%+100 bps
Premium bonus
24%→25%+100 bps
Premium bonus
18%→19%+100 bps
Premium bonus
20%→21%+100 bps
Premium bonus
22%→23%+100 bps
Premium bonus
18%→19%+100 bps
Premium bonus
20%→21%+100 bps
Premium bonus
16%→17%+100 bps
Premium bonus
22%→23%+100 bps
Premium bonus
14%→15%+100 bps

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

What changed in annuity rates

Change ledger

Monday, November 2, 2026

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