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 November 6, 2026 at 8:11 AM EST
Next scheduled check: November 9, 2026 at 9:15 AM EST
Product moves in the latest feed · Nov 6
↓Fidelity and Guaranty · F&G Power Accumulator 7 · AM Best A · Participation rate · $0+ premium · 75.00% → 70.00% (−5.00 pts) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 10 · AM Best A · Participation rate · $0+ premium · 75.00% → 70.00% (−5.00 pts) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 7 · AM Best A · Cap rate · $0+ premium · 19.00% → 17.75% (−125 bps) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 10 · AM Best A · Cap rate · $0+ premium · 19.00% → 17.75% (−125 bps) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 7 · AM Best A · Participation rate · $0+ premium · 160.00% → 150.00% (−10.00 pts) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 10 · AM Best A · Participation rate · $0+ premium · 165.00% → 155.00% (−10.00 pts) · CANNEX↓Fidelity and Guaranty · FG AccumulatorPlus 10 · AM Best A · Participation rate · $0+ premium · 340.00% → 320.00% (−20.00 pts) · CANNEX↓Fidelity and Guaranty · F&G Power Accumulator 7 · AM Best A · Participation rate · $0+ premium · 265.00% → 250.00% (−15.00 pts) · CANNEX
Market pulse · latest rated CANNEX movers · Nov 6

Who moved, and which way

Latest CANNEX moves
Fidelity and Guaranty
F&G Power Accumulator 7 · Participation rate · $0+ premium · 75.00%→70.00%
AM Best A−5.00 pts
Fidelity and Guaranty
F&G Power Accumulator 10 · Participation rate · $0+ premium · 75.00%→70.00%
AM Best A−5.00 pts
Fidelity and Guaranty
F&G Power Accumulator 7 · Cap rate · $0+ premium · 19.00%→17.75%
AM Best A−125 bps
Fidelity and Guaranty
F&G Power Accumulator 10 · Cap rate · $0+ premium · 19.00%→17.75%
AM Best A−125 bps
Fidelity and Guaranty
F&G Power Accumulator 7 · Participation rate · $0+ premium · 160.00%→150.00%
AM Best A−10.00 pts

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
6.40%
No change in 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
6.05%
No change in 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
9.25%
No cap move in latest update
Cap rate · S&P 500 · 1-year point-to-point · eligible feed avg · 407 rates
Fee groups & source details
No-fee cohort
8.93%
209 strategies · source Nov 6 · selection v2Fee-based cohort
10.67%
39 strategies · source Nov 6 · 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.

407 CANNEX + 0 AW-verified rates

SPIA Income Index
$635/mo
-$0.07 latest update
Guaranteed monthly income · average of 20 eligible quotes

Basis: $100,000 premium · age 65 · male · life only
Quoted November 6, 2026 at 8:45 AM EST

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
49.51%
No participation move in latest update
Participation rate · S&P 500 · 1-year point-to-point · eligible feed avg · 193 rates
Fee groups & source details
No-fee cohort
51.73%
100 strategies · source Nov 6 · selection v2Fee-based cohort
63.35%
26 strategies · source Nov 6 · 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.

193 CANNEX + 0 AW-verified rates

DIA Income Index
$1,282/mo
-$0.16 latest update
Guaranteed monthly income · average of 10 eligible quotes

Basis: $100,000 premium · male · age 60 purchase · income at 70 · life only
Quoted November 6, 2026 at 8:45 AM EST

10 CANNEX + 0 AW-verified rates

Rate statistics Monthly rates report

MYGA rates by term · annual equivalent

Complete seven-term comparable cohort · source November 3, 2026 at 7:00 PM EST · $250,000 premium

MYGA 2-year
comparable
5.11%

10 options · annual equivalent

Headline gap: 0 bp

MYGA 3-year
comparable
6.05%

10 options · annual equivalent

Headline gap: 0 bp

MYGA 4-year
comparable
5.72%

10 options · annual equivalent

Headline gap: 0 bp

MYGA 5-year
comparable
6.27%

10 options · annual equivalent

Headline gap: 13 bp

MYGA 6-year
comparable
5.97%

10 options · annual equivalent

Headline gap: 8 bp

MYGA 7-year
comparable
6.22%

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.

6.27%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 9Sep 24Oct 9Oct 23Nov 6
Last historical top-single point: 6.50%
Separate CD reference: 1.41% · 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%
6.22%6.45%
6.22%6.45%
6.23%6.45%
6.23%6.45%
6.25%6.45%
6.25%6.45%
6.25%6.45%
6.25%6.45%
6.25%6.45%
6.26%6.50%
6.26%6.50%
6.26%6.50%
6.26%6.50%
6.26%6.50%
6.26%6.50%
6.25%6.50%
6.25%6.50%
6.25%6.50%
6.25%6.50%
6.25%6.50%
6.25%6.50%
Current cohort and basis
Knighthead Life · Staysail
Simple interest
Headline 6.65%5.91%CANNEX
Canvas Annuity · Canvas Future Fund
Flat rate
Headline 6.50%6.50%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
Aspida Life Insurance Company · Synergy Choice MYGA
Flat rate
Headline 6.30%6.30%CANNEX
Farmers Life Insurance Company · Safeguard Plus
Flat rate
Headline 6.25%6.25%CANNEX
CL Life and Annuity Insurance Company · CL Sundance
Flat rate
Headline 6.25%6.25%CANNEX
Sentinel Security Life · Personal Choice Annuity
Flat rate
Headline 6.25%6.25%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 17,134 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
Fidelity and Guaranty · F&G Flex Accumulator
View this carrier’s recent changes
FIA · observed Nov 6
6 feed entries · view details
Participation rate · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002354774
300% → 290% · −10.00 pts
Participation rate · Rider Charge Included · CIBC Balanced 10% Volatility Control ER Index · 2-Year · 2-year term · Premium $0 and up · Option 0002603750
245% → 235% · −10.00 pts
Participation rate · Rider Charge Included · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002354780
340% → 330% · −10.00 pts
Participation rate · BlackRock Market Advantage Index · 2-Year · 2-year term · Premium $0 and up · Option 0002512677
235% → 225% · −10.00 pts
Participation rate · CIBC Balanced 10% Volatility Control ER Index · 2-Year · 2-year term · Premium $0 and up · Option 0002603747
215% → 210% · −5.00 pts
Participation rate · Strategy Fee Included · BlackRock Market Advantage Index · 2-Year · 2-year term · Premium $0 and up · Option 0002512680
265% → 260% · −5.00 pts
Option reduced
Fidelity and Guaranty · FG AccumulatorPlus 7
View this carrier’s recent changes
FIA · observed Nov 6
2 feed entries · view details
Participation rate · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002350631
310% → 300% · −10.00 pts
Participation rate · Rider Charge Included · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002350634
350% → 340% · −10.00 pts
Option reduced
Fidelity and Guaranty · Performance Pro
View this carrier’s recent changes
FIA · observed Nov 6
8 feed entries · view details
Participation rate · Morgan Stanley US Equity Allocator Index · 2-Year · 2-year term · Premium $0 and up · Option 0002834333
90% → 85% · −5.00 pts
Cap rate · S&P 500 Index · 3-Year · 3-year term · Premium $0 and up · Option 0002352252
16% → 15.25% · −75 bps
Participation rate · Rider Charge Included · CIBC Balanced 5% Volatility Control ER Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352225
235% → 225% · −10.00 pts
Participation rate · Goldman Sachs Global Factor Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352237
210% → 200% · −10.00 pts
Participation rate · Rider Charge Included · Morgan Stanley US Equity Allocator Index · 2-Year · 2-year term · Premium $0 and up · Option 0002834336
110% → 105% · −5.00 pts
Participation rate · CIBC Balanced 5% Volatility Control ER Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352228
195% → 185% · −10.00 pts
Participation rate · Rider Charge Included · Goldman Sachs Global Factor Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352234
250% → 240% · −10.00 pts
Cap rate · S&P 500 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352249
10% → 9.5% · −50 bps
Option reduced
Fidelity and Guaranty · FG AccumulatorPlus 10
View this carrier’s recent changes
FIA · observed Nov 6
6 feed entries · view details
Participation rate · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352030
315% → 305% · −10.00 pts
Participation rate · Goldman Sachs Global Factor Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352020
340% → 320% · −20.00 pts
Participation rate · Morgan Stanley US Equity Allocator Index · 2-Year · 2-year term · Premium $0 and up · Option 0002738616
150% → 145% · −5.00 pts
Participation rate · Rider Charge Included · Barclays Trailblazer Sectors 5 Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352033
355% → 345% · −10.00 pts
Participation rate · Rider Charge Included · Morgan Stanley US Equity Allocator Index · 2-Year · 2-year term · Premium $0 and up · Option 0002738619
170% → 165% · −5.00 pts
Participation rate · Rider Charge Included · Goldman Sachs Global Factor Index · 2-Year · 2-year term · Premium $0 and up · Option 0002352017
380% → 360% · −20.00 pts

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

Raise
Fidelity and Guaranty · F&G Safe Income Advantage
View this carrier’s recent changes
FIA · observed Nov 6
200 feed entries · view details
Withdrawal rate · Income option 0002388314 · tier 1 · 0-year deferral · income age 70
Recorded: 8.01%
Withdrawal rate · Income option 0002403972 · tier 1 · 2-year deferral · income ages 78–80
Recorded: 6.48%
Withdrawal rate · Income option 0002388314 · tier 1 · 0-year deferral · income age 70
Recorded: 8.71%
Withdrawal rate · Income option 0002403974 · tier 1 · 1-year deferral · income age 69
Recorded: 5.8%
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 78
6.22% → 6.31% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 70
6.09% → 6.18% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 67
6.04% → 6.11% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 61
5.62% → 5.68% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 56
4.98% → 5.05% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 55
4.93% → 5% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 47
4.2% → 4.27% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 9-year deferral · income age 46
4.12% → 4.19% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 80
6.27% → 6.36% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 71
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 62
5.75% → 5.81% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 61
5.61% → 5.67% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 53
4.64% → 4.7% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 47
4.12% → 4.19% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 45
3.98% → 4.05% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 44
3.96% → 4.03% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 8-year deferral · income age 43
3.79% → 3.86% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 75
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 70
6.07% → 6.16% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 69
6.08% → 6.17% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 67
6.02% → 6.09% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 66
5.88% → 5.95% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 61
5.6% → 5.66% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 56
4.92% → 4.99% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 55
4.87% → 4.94% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 52
4.45% → 4.52% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 7-year deferral · income age 46
3.98% → 4.05% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 79-year deferral · income ages 18–21
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 73-year deferral · income ages 18–27
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 75
6.09% → 6.18% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 74
6.13% → 6.22% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 73
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 68
6.04% → 6.11% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 67
6.01% → 6.08% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 62
5.73% → 5.79% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 60
5.53% → 5.59% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 6-year deferral · income age 53
4.5% → 4.56% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 69-year deferral · income age 20
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 69-year deferral · income age 18
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 68-year deferral · income age 20
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 68-year deferral · income age 18
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 67-year deferral · income ages 23–33
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 67-year deferral · income age 22
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 67-year deferral · income age 18
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 66-year deferral · income ages 24–34
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 66-year deferral · income age 19
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 64-year deferral · income age 23
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 63-year deferral · income age 25
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 63-year deferral · income age 23
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 63-year deferral · income age 19
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 62-year deferral · income age 23
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 62-year deferral · income age 20
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 62-year deferral · income age 18
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 61-year deferral · income age 26
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 61-year deferral · income age 24
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 60-year deferral · income age 28
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 60-year deferral · income age 27
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 60-year deferral · income age 23
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 79
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 77
6.12% → 6.21% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 76
6.09% → 6.18% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 67
6% → 6.07% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 65
5.79% → 5.86% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 63
5.7% → 5.77% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 59
5.43% → 5.49% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 57
5.14% → 5.2% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 56
4.74% → 4.81% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 5-year deferral · income age 51
4.2% → 4.27% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 59-year deferral · income age 26
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 59-year deferral · income age 24
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 59-year deferral · income age 18
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 58-year deferral · income age 31
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 58-year deferral · income age 27
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 58-year deferral · income age 25
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 58-year deferral · income age 23
6.12% → 6.21% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 31
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 30
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 28
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 27
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 25
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 23
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 22
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 57-year deferral · income age 20
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 56-year deferral · income age 33
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 56-year deferral · income age 28
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 56-year deferral · income age 22
6.08% → 6.15% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 55-year deferral · income ages 35–45
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 55-year deferral · income age 34
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 55-year deferral · income age 31
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 55-year deferral · income age 29
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 55-year deferral · income age 21
5.91% → 5.98% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 54-year deferral · income ages 36–46
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 54-year deferral · income age 33
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 54-year deferral · income age 30
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 54-year deferral · income age 25
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 53-year deferral · income age 31
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 53-year deferral · income age 30
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 53-year deferral · income age 29
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 53-year deferral · income age 28
6.12% → 6.21% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 37
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 36
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 35
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 33
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 32
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 24
5.91% → 5.98% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 52-year deferral · income age 20
5.77% → 5.83% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 51-year deferral · income age 35
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 51-year deferral · income age 29
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 51-year deferral · income age 22
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 51-year deferral · income age 20
5.63% → 5.69% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 50-year deferral · income age 39
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 50-year deferral · income age 27
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 50-year deferral · income age 25
5.84% → 5.91% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 50-year deferral · income age 24
5.78% → 5.85% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 50-year deferral · income age 21
5.63% → 5.69% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 80
6.17% → 6.27% · +10 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 79
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 69
6.05% → 6.14% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 68
6.02% → 6.09% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 64
5.72% → 5.79% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 61
5.55% → 5.62% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 52
4.32% → 4.39% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 51
4.19% → 4.26% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 4-year deferral · income age 49
3.98% → 4.05% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 49-year deferral · income age 37
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 49-year deferral · income age 24
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 49-year deferral · income age 23
5.77% → 5.83% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 49-year deferral · income age 20
5.51% → 5.58% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 48-year deferral · income age 36
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 48-year deferral · income age 34
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 48-year deferral · income age 31
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 48-year deferral · income age 26
5.78% → 5.85% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 48-year deferral · income age 25
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 47-year deferral · income age 28
5.84% → 5.91% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 47-year deferral · income age 20
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 43
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 40
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 39
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 37
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 35
6.12% → 6.21% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 33
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 31
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 26
5.77% → 5.83% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 22
5.47% → 5.54% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 46-year deferral · income age 18
4.88% → 4.95% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 40
6.14% → 6.23% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 37
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 34
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 33
6.08% → 6.15% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 32
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 30
5.84% → 5.91% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 27
5.77% → 5.83% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 25
5.57% → 5.63% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 22
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 45-year deferral · income age 20
4.94% → 5.01% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 45
6.26% → 6.35% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 43
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 37
6.12% → 6.21% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 29
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 28
5.77% → 5.83% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 27
5.63% → 5.69% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 44-year deferral · income age 23
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 45
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 44
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 40
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 32
5.84% → 5.91% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 26
5.51% → 5.58% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 20
4.82% → 4.89% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 43-year deferral · income age 18
4.48% → 4.55% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income ages 48–58
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 41
6.18% → 6.27% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 40
6.2% → 6.29% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 37
6.11% → 6.2% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 35
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 25
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 23
4.94% → 5.01% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 42-year deferral · income age 19
4.48% → 4.55% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income ages 49–59
6.29% → 6.38% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 47
6.23% → 6.32% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 45
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 43
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 36
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 35
5.91% → 5.98% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 32
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 30
5.63% → 5.69% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 26
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 41-year deferral · income age 21
4.72% → 4.78% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 46
6.17% → 6.26% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 37
6.05% → 6.12% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 36
5.91% → 5.98% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 33
5.75% → 5.82% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 31
5.63% → 5.69% · +6 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 40-year deferral · income age 27
5.25% → 5.32% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 3-year deferral · income age 80
6.1% → 6.19% · +9 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 3-year deferral · income age 66
5.84% → 5.91% · +7 bps
Withdrawal rate · Income option 0002403974 · tier 1 · 3-year deferral · income age 58
4.87% → 4.93% · +6 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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Current comparable reference — live, not frozen: AnnuityRatesHQ MYGA 5-Year Comparable Rate Index, 6.27% (comparable cohort November 3, 2026 at 7:00 PM EST; headline observations November 6, 2026 at 8:11 AM EST). https://annuityrateshq.com/rate-index
Live embeddable widget · preview
ARHQ Annuity Rate Index · Nov 6
MYGA 5-Year6.40%
FIA Cap · S&P 1-Year9.25%
SPIA income · 65M/$100k$635/mo
FIA fee-group breakdown
FIA cap · no-fee visible cohort8.93%
209 strategies · source Nov 6 · selection v2
FIA cap · fee-based visible cohort10.67%
39 strategies · source Nov 6 · selection v2
FIA participation · no-fee visible cohort51.73%
100 strategies · source Nov 6 · selection v2
FIA participation · fee-based visible cohort63.35%
26 strategies · source Nov 6 · selection v2
AdvisorWorld visible ranking cohort · AdvisorWorld fee filter · $100,000 premium · separate from whole-feed headlines
Powered by AnnuityRatesHQ · CANNEX + verified carrier sheets
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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: 1.41% · 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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