Annuity rate data from AdvisorWorld and CANNEX carrier feeds

Check the data date shown with any rate before you rely on it. View current rates

Live · data from CANNEX + verified carrier sheets

The Annuity Rate Index

Daily annuity benchmarks and the product terms changing beneath them.

Headline observations October 16, 2026 at 8:09 AM EDT
Next scheduled check: October 19, 2026 at 10:15 AM EDT
Product moves in the latest feed · Oct 16
↑Nassau Life and Annuity Company · Nassau Bonus Annuity Plus · AM Best B++ · Participation rate · $0+ premium · 90.00% → 135.00% (+45.00 pts) · CANNEX↑Nassau Life and Annuity Company · Nassau Bonus Annuity Plus · AM Best B++ · Participation rate · $0+ premium · 40.00% → 59.00% (+19.00 pts) · CANNEX↑Nassau Life and Annuity Company · Nassau Bonus Annuity Plus · AM Best B++ · Participation rate · $0+ premium · 28.00% → 41.00% (+13.00 pts) · CANNEX↑Nassau Life and Annuity Company · Nassau Bonus Annuity · AM Best B++ · Participation rate · $0+ premium · 125.00% → 167.00% (+42.00 pts) · CANNEX↑The Lafayette Life Insurance Company · Marquis® Centennial · AM Best A+ · Cap rate · $0+ premium · 11.75% → 15.50% (+375 bps) · CANNEX↑Nassau Life and Annuity Company · Nassau Bonus Annuity · AM Best B++ · Participation rate · $0+ premium · 165.00% → 211.00% (+46.00 pts) · CANNEX↑Pacific Life Insurance Company · Pacific Index Foundation 2 · AM Best A+ · Fixed rate · $0–$99,999.99 premium · 3.70% → 4.70% (+100 bps) · CANNEX↑Pacific Life Insurance Company · Pacific Index Foundation · AM Best A+ · Fixed rate · $0–$99,999.99 premium · 3.80% → 4.80% (+100 bps) · CANNEX

What changed beneath the averages

Selected product observations · Oct 16 · 13,156 entries in the 30-day feed

View full change history
Observed Oct 16 · Mixed changes

Equitable Financial Life Insurance Company of America

Structured Capital Strategies PLUS 21 NY

AM Best rating unavailable in this index reading

Different options in the same product update moved in opposite directions.

1-year guaranteeStrategy guarantee
Before15%After14.5%
−0.50 pts
1-year guaranteeCap rate
Before13%After13.5%
+50 bps
6-year guaranteeCap rate
Before300%After310%
+1000 bps

Each row compares one rate option before and after the same product refresh. Different guarantee terms and premium tiers are separate choices; other terms may also have changed.

Source: CANNEX via AdvisorWorld

Show rate option references
Reduced: CANNEX event rateevent-4992592
Raised: CANNEX event rateevent-4992589
Raised: CANNEX event rateevent-4992591
See the carrier’s product history
Latest · Oct 16

Nassau Life and Annuity Company · Nassau Bonus Annuity Plus

AM Best B++

Participation rate

90.00% → 135.00% · +45.00 pts

$0+ premium

Source: CANNEX via AdvisorWorld

View carrier changes

Bonus up, income payout down? · 30-day check

No verified bonus increase paired with an income payout cut was found in the current 30-day feed.

This finding covers the captured fields and matching product refreshes.

Know the coverage. These are selected examples from the recorded feed, not all recent changes. Dates show when changes were observed. Each card identifies its source. Browse all available change records
Market pulse · latest rated CANNEX movers · Oct 16

Who moved, and which way

Market breadth · Oct 16
Latest reported market window
+5net carriers raising in this reading
6 raised1 cut60 unchanged

This count applies to the labeled update only. The product above includes both increases and a cut.

Latest CANNEX moves
Nassau Life and Annuity Company
Nassau Bonus Annuity Plus · Participation rate · $0+ premium · 90.00%→135.00%
AM Best B+++45.00 pts
Nassau Life and Annuity Company
Nassau Bonus Annuity Plus · Participation rate · $0+ premium · 40.00%→59.00%
AM Best B+++19.00 pts
Nassau Life and Annuity Company
Nassau Bonus Annuity Plus · Participation rate · $0+ premium · 28.00%→41.00%
AM Best B+++13.00 pts
Nassau Life and Annuity Company
Nassau Bonus Annuity · Participation rate · $0+ premium · 125.00%→167.00%
AM Best B+++42.00 pts
The Lafayette Life Insurance Company
Marquis® Centennial · Cap rate · $0+ premium · 11.75%→15.50%
AM Best A++375 bps

Movers are CANNEX rate changes detected in the labeled event window. Changes without an AM Best rating or enough detail to distinguish the rate are not shown.

Full change ledger

Current headline benchmarks

MYGA 5-Year Rate Index
6.38%
+1 bps latest update
Guaranteed rate · 5-year · avg of top 10 declared rates · 10 rates

10 CANNEX + 0 AW-verified rates

MYGA 3-Year Rate Index
6.04%
+4 bps latest update
Guaranteed rate · 3-year · avg of top 10 declared rates · 10 rates

10 CANNEX + 0 AW-verified rates

FIA S&P 500 Cap Index
9.08%
+5 bps latest update
Cap rate · S&P 500 · 1-year point-to-point · eligible feed avg · 394 rates
Fee groups & source details
No-fee cohort
8.90%
196 strategies · source Oct 16 · selection v2Fee-based cohort
10.51%
40 strategies · source Oct 16 · selection v2

AdvisorWorld visible ranking cohort · $100,000 premium · AdvisorWorld fee filter

Whole-feed average across all eligible S&P 500 1-year caps — a broader cohort than the leading-rate cap statistics on the statistics hub.

394 CANNEX + 0 AW-verified rates

SPIA Income Index
$630/mo
+$1 latest update
Guaranteed monthly income · average of 20 eligible quotes

Basis: $100,000 premium · age 65 · male · life only
Quoted October 16, 2026 at 9:45 AM EDT

20 CANNEX + 0 AW-verified rates

More benchmarks & fee comparisons

Fee groups are separate S&P 500 one-year strategy averages. An unknown fee is never treated as zero.

FIA S&P 500 Participation Index
48.59%
+30 bps latest update
Participation rate · S&P 500 · 1-year point-to-point · eligible feed avg · 192 rates
Fee groups & source details
No-fee cohort
51.19%
94 strategies · source Oct 16 · selection v2Fee-based cohort
63.35%
26 strategies · source Oct 16 · selection v2

AdvisorWorld visible ranking cohort · $100,000 premium · AdvisorWorld fee filter

Whole-feed average across all eligible S&P 500 1-year participation rates, including strategies with fees — a broader cohort than the hub’s zero-fee participation statistics.

192 CANNEX + 0 AW-verified rates

DIA Income Index
$1,264/mo
-$0.15 latest update
Guaranteed monthly income · average of 10 eligible quotes

Basis: $100,000 premium · male · age 60 purchase · income at 70 · life only
Quoted October 16, 2026 at 9:45 AM EDT

10 CANNEX + 0 AW-verified rates

Rate statistics Monthly rates report

MYGA rates by term · annual equivalent

Complete seven-term comparable cohort · source October 16, 2026 at 4:00 AM EDT · $250,000 premium

MYGA 2-year
comparable
5.09%

10 options · annual equivalent

Headline gap: 0 bp

MYGA 3-year
comparable
6.01%

10 options · annual equivalent

Headline gap: 3 bp

MYGA 4-year
comparable
5.68%

10 options · annual equivalent

Headline gap: 0 bp

MYGA 5-year
comparable
6.25%

10 options · annual equivalent

Headline gap: 13 bp

MYGA 6-year
comparable
5.96%

10 options · annual equivalent

Headline gap: 8 bp

MYGA 7-year
comparable
6.21%

10 options · annual equivalent

Headline gap: 27 bp

MYGA 10-year
comparable
6.23%

10 options · annual equivalent

Headline gap: 17 bp

Flagship benchmark

MYGA 5-Year Rate Index

The comparable benchmark converts explicit flat, step-rate, and simple-interest contracts to an annual-equivalent basis. Headline rates remain available for comparison; products without captured basis are excluded rather than estimated.

6.25%index · guaranteed · 5-year
Current comparable reading · historical declared rates shown below
10 source-backed comparable options · 0 basis pending excluded
Comparable-basis methodology updated September 5, 2026.
Historical CANNEX headline indexTop single rate · dashed
5.85%6.03%6.21%6.39%6.57%Aug 24Sep 5Sep 16Sep 25Oct 6Oct 16
Last historical top-single point: 6.45%
Separate CD reference: 1.38% · not included in this chart's scale.
View historical chart values
Historical CANNEX declared rates · selected date range
DateIndexTop single
5.92%6.35%
6.12%6.50%
6.14%6.50%
6.14%6.50%
6.14%6.50%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.11%6.35%
6.12%6.35%
6.13%6.35%
6.13%6.35%
6.13%6.35%
6.14%6.35%
6.14%6.35%
6.14%6.35%
6.14%6.35%
6.14%6.35%
6.14%6.35%
6.14%6.35%
6.16%6.35%
6.16%6.35%
6.16%6.35%
6.16%6.35%
6.16%6.35%
6.16%6.35%
6.17%6.40%
6.19%6.40%
6.19%6.40%
6.21%6.40%
6.21%6.40%
6.21%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.18%6.40%
6.21%6.45%
6.21%6.45%
6.21%6.45%
6.22%6.45%
Current cohort and basis
Knighthead Life · Staysail
Simple interest
Headline 6.65%5.91%CANNEX
Aspida Life Insurance Company · Aspida Advisory MYGA
Flat rate
Headline 6.45%6.45%CANNEX
Atlantic Coast Life · Safe Harbor Bonus Guarantee
Simple interest
Year 1 7.45% · renewal 6.45% · 5-year term
Headline 6.45%5.91%CANNEX
Mountain Life Insurance Company · Alpine Horizon
Flat rate
Headline 6.45%6.45%CANNEX
Wichita National Life Insurance · Security MYGA
Flat rate
Headline 6.40%6.40%CANNEX
Canvas Annuity · Canvas Future Fund
Flat rate
Headline 6.40%6.40%CANNEX
Aspida Life Insurance Company · Synergy Choice MYGA
Flat rate
Headline 6.30%6.30%CANNEX
Sentinel Security Life · Personal Choice Annuity
Flat rate
Headline 6.25%6.25%CANNEX
Revol One Insurance Company · DirectGrowth MYGA
Flat rate
Headline 6.25%6.25%CANNEX
Pacific Life Insurance Company · Expedition 2 with MVA
Flat rate
Headline 6.15%6.15%CANNEX
Explore product changes, fees & guarantees
Repricing observatory · 30 days

Product changes

Feed entries are grouped by product and observation day. A recorded value without a comparable prior value does not establish a change.

Coverage: Showing the latest 200 of 13,156 feed entries from the past 30 days. Older matching entries are outside this view. No magnitude floor is applied to the returned feed. The feed may not yet include every kind of product change. Browse more recorded changes.

Bonus up, income payout down

Paired changes to the same product in the same CANNEX refresh, checked across the full 30-day change feed. Payouts depend on the selected income rider and age.

No verified bonus increase paired with an income payout cut was found in this 30-day feed.

Verified reductions to specific options · 30 days

Each reduction has a comparable before-and-after value. Increases found in the same product refresh appear alongside it; a reduction here does not mean every option was cut.

Option reduced
Lincoln Financial · Lincoln Level Advantage 2 Advisory
View this carrier’s recent changes
RILA · observed Oct 16
1 feed entry · view details
Minimum protection buffer · Capital Group Growth ETF · Annual · 1-year term · Tier 1 · Option 44305595
15% → 10% · −5.00 pts
Option reduced
Allianz Life Insurance Company of North America · Index Advantage+ New York Annuity
View this carrier’s recent changes
RILA · observed Oct 16
1 feed entry · view details
Minimum cap rate · Performance Strategy · Russell 2000 Index · Annual · 1-year term · Tier 1 · Option 46865016
44% → 4% · −40.00 pts
Mixed changes
Equitable Financial Life Insurance Company of America · Structured Capital Strategies PLUS 21 NY
View this carrier’s recent changes
RILA · observed Oct 16
The same refresh also raised other options
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002725998: 13% → 13.5% · +50 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002726190: 300% → 310% · +1000 bps
Examples from the matching product update; see the carrier history for the full mix.
1 feed entry · view details
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 47448327
15% → 14.5% · −0.50 pts
Mixed changes
Equitable Financial Life Insurance Company of America · Structured Capital Strategies PLUS 21
View this carrier’s recent changes
RILA · observed Oct 16
The same refresh also raised other options
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002452615: 8.5% → 9% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002452545: 140% → 150% · +1000 bps
Examples from the matching product update; see the carrier history for the full mix.
1 feed entry · view details
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 27779790
15% → 14.5% · −0.50 pts

Selected from 200 recent decrease entries; older matching entries may be outside this view.

Cut
Lincoln Financial · Lincoln Level Advantage 2 Advisory
View this carrier’s recent changes
RILA · observed Oct 16
1 feed entry · view details
Minimum protection buffer · Capital Group Growth ETF · Annual · 1-year term · Tier 1 · Option 44305595
15% → 10% · −5.00 pts

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Cut
Allianz Life Insurance Company of North America · Index Advantage+ New York Annuity
View this carrier’s recent changes
RILA · observed Oct 16
1 feed entry · view details
Minimum cap rate · Performance Strategy · Russell 2000 Index · Annual · 1-year term · Tier 1 · Option 46865016
44% → 4% · −40.00 pts

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Terms recorded
Corebridge Financial · MarketLock Annuity NY
View this carrier’s recent changes
RILA · observed Oct 16
1 feed entry · view details
Buffer · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002851310
0% → 10% · +1000 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Mixed
Equitable Financial Life Insurance Company of America · Structured Capital Strategies PLUS 21 NY
View this carrier’s recent changes
RILA · observed Oct 16
26 feed entries · view details
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 47448327
15% → 14.5% · −0.50 pts
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002726190
300% → 310% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002726142
350% → 360% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002725998
13% → 13.5% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002726148
225% → 235% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002726199
560% → 570% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 30% buffer · Option 0002726184
110% → 120% · +1000 bps
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 30% buffer · Option 0002726037
11% → 11.5% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002726160
180% → 190% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002726196
180% → 190% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 30% buffer · Option 0002726178
145% → 155% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002726214
150% → 160% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 10% buffer · Option 0002725980
17% → 17.5% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002726208
140% → 150% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002726154
215% → 225% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002726166
165% → 175% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 30% buffer · Option 0002726175
150% → 160% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002726220
100% → 110% · +1000 bps
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002726085
15% → 14.5% · −50 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002726202
205% → 215% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002726016
11.5% → 12% · +50 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002726052
9% → 9.5% · +50 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 30% buffer · Option 0002726028
9% → 9.5% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002726172
140% → 150% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002726211
160% → 170% · +1000 bps
Cap rate · Russell 2000 Index · Annual · 1-year term · Premium $0 and up · 30% buffer · Option 0002726031
12% → 12.5% · +50 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Raise
Equitable Financial Life Insurance Company of America · Structured Capital Strategies Income
View this carrier’s recent changes
RILA · observed Oct 16
4 feed entries · view details
Cap rate · S&P 500 Index · 3-Year · 3-year term · Premium $0 and up · 40% buffer · Option 0002452276
35% → 40% · +500 bps
Cap rate · S&P 500 Index · 3-Year · 3-year term · Premium $0 and up · 20% buffer · Option 0002452273
55% → 65% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002452300
8.5% → 9.5% · +100 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002452297
12% → 12.5% · +50 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Raise
Equitable Financial Life Insurance Company of America · Investment Edge 21
View this carrier’s recent changes
RILA · observed Oct 16
13 feed entries · view details
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002632768
8.5% → 9% · +50 bps
Cap rate · Russell 2000 Index · 5-Year · 5-year term · Premium $0 and up · 15% buffer · Option 0002632915
205% → 215% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002632756
11.5% → 12% · +50 bps
Cap rate · Nasdaq-100 Index · 5-Year · 5-year term · Premium $0 and up · 15% buffer · Option 0002632921
95% → 105% · +1000 bps
Cap rate · Russell 2000 Index · 5-Year · 5-year term · Premium $0 and up · 10% buffer · Option 0002632903
300% → 310% · +1000 bps
Cap rate · Russell 2000 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002632771
9.5% → 10% · +50 bps
Cap rate · Nasdaq-100 Index · 5-Year · 5-year term · Premium $0 and up · 20% buffer · Option 0002633107
95% → 105% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002632792
9% → 9.5% · +50 bps
Cap rate · S&P 500 Index · 5-Year · 5-year term · Premium $0 and up · 20% buffer · Option 0002632924
75% → 85% · +1000 bps
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002632777
9% → 9.5% · +50 bps
Cap rate · Russell 2000 Index · 5-Year · 5-year term · Premium $0 and up · 20% buffer · Option 0002632894
165% → 175% · +1000 bps
Cap rate · Nasdaq-100 Index · 5-Year · 5-year term · Premium $0 and up · 10% buffer · Option 0002632909
125% → 135% · +1000 bps
Cap rate · Nasdaq-100 Index · 5-Year · 5-year term · Premium $0 and up · 20% buffer · Option 0002632933
80% → 90% · +1000 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Mixed
Equitable Financial Life Insurance Company of America · Structured Capital Strategies PLUS 21
View this carrier’s recent changes
RILA · observed Oct 16
26 feed entries · view details
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002452615
8.5% → 9% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002452545
140% → 150% · +1000 bps
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002452584
15% → 14.5% · −50 bps
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002452642
9% → 9.5% · +50 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002452524
300% → 310% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002452527
205% → 215% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002323497
165% → 175% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 40% buffer · Option 0002452603
125% → 135% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002452542
180% → 190% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 40% buffer · Option 0002452609
95% → 105% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 40% buffer · Option 0002452600
90% → 95% · +500 bps
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 27779790
15% → 14.5% · −0.50 pts
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 10% buffer · Option 0002323455
17% → 17.5% · +50 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002452612
11.5% → 12% · +50 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002323479
350% → 360% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002323488
215% → 225% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002323515
560% → 570% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002452548
100% → 110% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002323470
13% → 13.5% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002323527
140% → 150% · +1000 bps
Cap rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002323518
160% → 170% · +1000 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002452554
9% → 9.5% · +50 bps
Cap rate · Russell 2000 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002452624
9.5% → 10% · +50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002323524
180% → 190% · +1000 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 10% buffer · Option 0002323521
225% → 235% · +1000 bps
Cap rate · Russell 2000 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002452530
150% → 160% · +1000 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

Mixed
Equitable Financial Life Insurance Company of America · Structured Capital Strategies Premier
View this carrier’s recent changes
RILA · observed Oct 16
36 feed entries · view details
Declared rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · Option 0002911588
50% → 55% · +500 bps
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002911369
15% → 14.5% · −50 bps
Declared rate · S&P 500 Index · 6y · 6-year term · Premium $0 and up · Option 0002911600
40% → 45% · +500 bps
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 59037150
14% → 13.5% · −0.50 pts
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 40% buffer · Option 0002911288
10.5% → 11% · +50 bps
Minimum guaranteed declared rate · S&P 500 Index · Annual · 1-year term · Tier 1 · Option 59037462
8% → 8.5% · +0.50 pts
Cap rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002911378
8% → 8.5% · +50 bps
Minimum guaranteed declared rate · S&P 500 Index · 6y · 6-year term · Tier 1 · Option 59042382
40% → 45% · +5.00 pts
Declared rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · Option 0002911609
45% → 50% · +500 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002911276
13.5% → 14% · +50 bps
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002911309
15.5% → 15% · −50 bps
Minimum guaranteed declared rate · Russell 2000 Index · Annual · 1-year term · Tier 1 · Option 59036778
15.5% → 15% · −0.50 pts
Minimum guaranteed declared rate · Nasdaq-100 Index · 6y · 6-year term · Tier 1 · Option 59042100
65% → 70% · +5.00 pts
Declared rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · Option 0002911585
65% → 70% · +500 bps
Cap rate · MSCI EAFE Index · Annual · 1-year term · Premium $0 and up · 15% buffer · Option 0002911366
11% → 11.5% · +50 bps
Declared rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · Option 0002911597
55% → 60% · +500 bps
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 10% buffer · Option 0002911357
22% → 21.5% · −50 bps
Declared rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · Option 0002911324
9.5% → 10% · +50 bps
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 59036904
15.5% → 15% · −0.50 pts
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 59037396
12.5% → 12% · −0.50 pts
Minimum guaranteed declared rate · Nasdaq-100 Index · 6y · 6-year term · Tier 1 · Option 59042337
55% → 60% · +5.00 pts
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 15% buffer · Option 0002911633
110% → 115% · +500 bps
Declared rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · Option 0002911336
8% → 8.5% · +50 bps
Minimum guaranteed declared rate · Nasdaq-100 Index · Annual · 1-year term · Tier 1 · Option 59039130
9% → 8.5% · −0.50 pts
Minimum guaranteed declared rate · S&P 500 Index · Annual · 1-year term · Tier 1 · Option 59039196
5.5% → 6% · +0.50 pts
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002911321
14% → 13.5% · −50 bps
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002911496
110% → 115% · +500 bps
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002911333
12.5% → 12% · −50 bps
Minimum guaranteed declared rate · Nasdaq-100 Index · 6y · 6-year term · Tier 1 · Option 59042538
45% → 50% · +5.00 pts
Cap rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · 20% buffer · Option 0002911381
10.5% → 10% · −50 bps
Declared rate · Nasdaq-100 Index · Annual · 1-year term · Premium $0 and up · Option 0002911417
9% → 8.5% · −50 bps
Minimum guaranteed declared rate · S&P 500 Index · 6y · 6-year term · Tier 1 · Option 59042151
50% → 55% · +5.00 pts
Cap rate · Nasdaq-100 Index · 6y · 6-year term · Premium $0 and up · 20% buffer · Option 0002911645
100% → 105% · +500 bps
Minimum guaranteed declared rate · S&P 500 Index · Annual · 1-year term · Tier 1 · Option 59037210
9.5% → 10% · +0.50 pts
Declared rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up · Option 0002911420
5.5% → 6% · +50 bps
Declared rate · Russell 2000 Index · Annual · 1-year term · Premium $0 and up · Option 0002911303
15.5% → 15% · −50 bps

Buyer impact: The observed terms changed. Strategy, rider, age, and allocation choices determine the dollar effect; these alternatives cannot be added together.

CANNEX observations describe current new-money product terms. They do not establish changes to an existing owner's in-force renewal terms.

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Advisors and publishers can embed the live Annuity Rate Index on any page. The widget updates from the same live CANNEX and verified carrier-sheet data and links back to this benchmark page.

Current comparable reference — live, not frozen: AnnuityRatesHQ MYGA 5-Year Comparable Rate Index, 6.25% (comparable cohort October 16, 2026 at 4:00 AM EDT; headline observations October 16, 2026 at 8:09 AM EDT). https://annuityrateshq.com/rate-index
Live embeddable widget · preview
ARHQ Annuity Rate Index · Oct 16
MYGA 5-Year6.38%
FIA Cap · S&P 1-Year9.08%
SPIA income · 65M/$100k$630/mo
FIA fee-group breakdown
FIA cap · no-fee visible cohort8.90%
196 strategies · source Oct 16 · selection v2
FIA cap · fee-based visible cohort10.51%
40 strategies · source Oct 16 · selection v2
FIA participation · no-fee visible cohort51.19%
94 strategies · source Oct 16 · selection v2
FIA participation · fee-based visible cohort63.35%
26 strategies · source Oct 16 · selection v2
AdvisorWorld visible ranking cohort · AdvisorWorld fee filter · $100,000 premium · separate from whole-feed headlines
Powered by AnnuityRatesHQ · CANNEX + verified carrier sheets
<div data-arhq-rate-index></div><script async src="https://annuityrateshq.com/embed/rate-index.js?v=2026-09-19-quote-history"></script>
How it's built

Methodology & honesty

Source-aware rate observations

Methodology v4 combines current CANNEX observations with published rates verified against carrier rate sheets. MYGA comparable basis uses v2. Each row identifies its source, and lapsed observations are excluded.

One metric per index

Each index uses one defined metric and declares its scope: a ranked top-N average or the whole eligible feed. Caps, participation rates, guaranteed rates, and income payouts are not blended.

Current and embeddable

Use the visible source time when referring to these live benchmarks. The embeddable widget shares the headline series, separately labeled FIA fee cohorts, and any independently anchored comparable MYGA series supplied in the same publication.

How product changes are classified A buyer direction is assigned only when the same measured term has both a prior and a current value. Higher declared or fixed rates, caps, participation, triggers, premium bonuses, income withdrawal rates, roll-ups, free-withdrawal allowances, and guarantees are generally better. A higher current fee or longer lock-in is generally worse. A maximum permitted fee is a ceiling, not necessarily the fee charged. An unmatched observation does not prove a carrier raise, cut, or new offering. Different strategies and rider elections cannot be added into one buyer impact.
CD benchmark: 1.38% · FDIC national rates via FRED · not from CANNEX.
rate statistics See best annuity rates

Methodology v4 uses current CANNEX observations and published rates verified against carrier rate sheets through AdvisorWorld. MYGA comparable basis uses v2. Source mix is reported for each index; lapsed observations are excluded. Each index tracks a single defined metric and scenario. CD figures are market benchmarks, not CANNEX rates. Educational information 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.

Why RILA is not in this rate index

The index publishes like-for-like fixed-rate, FIA crediting, and income benchmarks. RILA caps and participation rates cannot be compared without their buffer or floor and segment term, so no single RILA benchmark is published here. See the protection-grouped RILA tables instead.

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Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

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