MYGA 5-Year Rate Index
6.30%
No change in latest update
Historical CANNEX rates · different product set
Guaranteed rate · 5-year · avg of top 10 declared rates · 10 rates
9 CANNEX + 1 AW-verified rates
Live · data from CANNEX + verified carrier sheets
The Annuity Rate Index
Track guaranteed rates, index caps, and retirement income. See where annuity rates stand and what has changed.
As of September 25, 2026 at 8:18 AM EDT · source: CANNEX + verified carrier sheets via AdvisorWorld public API
Next scheduled check: September 28, 2026 at 10:15 AM EDT
Published headline rates · before annual-equivalent adjustment
MYGA 2-Year5.02%No changeMYGA 3-Year5.93%No changeMYGA 4-Year5.49%No changeMYGA 5-Year6.30%No changeMYGA 6-Year5.81%No changeMYGA 7-Year6.38%No changeMYGA 10-Year6.22%No changeFIA S&P 500 Cap Index9.09%No changeFIA S&P 500 Participation Index48.07%No changeSPIA Income Index$625/mo-$0.06DIA Income Index$1,242/mo-$0.14
Current headline benchmarks
MYGA 3-Year Rate Index
5.93%
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
9.09%
No cap move in latest update
Cap rate · S&P 500 · 1-year point-to-point · eligible feed avg · 401 rates
Fee groups & source details
No-fee cohort
8.77%
179 strategies · source Sep 25 · selection v2Fee-based cohort
10.22%
40 strategies · source Sep 25 · selection v2
8.77%
179 strategies · source Sep 25 · selection v2Fee-based cohort
10.22%
40 strategies · source Sep 25 · 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.
401 CANNEX + 0 AW-verified rates
SPIA Income Index
$625/mo
-$0.06 latest update
Guaranteed monthly income · average of 19 eligible quotes
Basis: $100,000 premium · age 65 · male · life only
Quoted September 26, 2026 at 9:45 AM EDT
19 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
48.07%
No participation move in latest update
Participation rate · S&P 500 · 1-year point-to-point · eligible feed avg · 191 rates
Fee groups & source details
No-fee cohort
52.96%
84 strategies · source Sep 25 · selection v2Fee-based cohort
60.54%
24 strategies · source Sep 25 · selection v2
52.96%
84 strategies · source Sep 25 · selection v2Fee-based cohort
60.54%
24 strategies · source Sep 25 · 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.
191 CANNEX + 0 AW-verified rates
DIA Income Index
$1,242/mo
-$0.14 latest update
Guaranteed monthly income · average of 10 eligible quotes
Basis: $100,000 premium · male · age 60 purchase · income at 70 · life only
Quoted September 26, 2026 at 9:45 AM EDT
10 CANNEX + 0 AW-verified rates
MYGA rates by term · annual equivalent
Complete seven-term comparable cohort · source September 24, 2026 at 8:00 PM EDT · $250,000 premium
MYGA 2-year
comparable5.02%
10 options · annual equivalent
Headline gap: 0 bp
MYGA 3-year
comparable5.89%
10 options · annual equivalent
Headline gap: 3 bp
MYGA 4-year
comparable5.48%
10 options · annual equivalent
Headline gap: 0 bp
MYGA 5-year
comparable6.15%
10 options · annual equivalent
Headline gap: 15 bp
MYGA 6-year
comparable5.75%
10 options · annual equivalent
Headline gap: 6 bp
MYGA 7-year
comparable6.12%
10 options · annual equivalent
Headline gap: 26 bp
MYGA 10-year
comparable6.06%
10 options · annual equivalent
Headline gap: 16 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.
6.15%index · guaranteed · 5-year
Current comparable reading · historical declared rates shown below
10 source-backed comparable options · 1 basis pending excluded
Comparable-basis methodology updated September 5, 2026.
Historical CANNEX headline indexHistorical CANNEX market average · dottedTop single rate · dashed
Last historical top-single point: 6.35%
Separate CD reference: 1.38% · not included in this chart's scale.
View historical chart values
| Date | Index | Top single | Market average |
|---|---|---|---|
| 5.92% | 6.35% | 4.77% | |
| 6.12% | 6.50% | 5.10% | |
| 6.14% | 6.50% | 5.10% | |
| 6.14% | 6.50% | 5.10% | |
| 6.14% | 6.50% | 5.10% | |
| 6.11% | 6.35% | 5.10% | |
| 6.11% | 6.35% | 5.11% | |
| 6.11% | 6.35% | 5.11% | |
| 6.11% | 6.35% | 5.12% | |
| 6.11% | 6.35% | 5.12% | |
| 6.11% | 6.35% | 5.12% | |
| 6.11% | 6.35% | 5.12% | |
| 6.11% | 6.35% | 5.13% | |
| 6.11% | 6.35% | 5.13% | |
| 6.11% | 6.35% | 5.13% | |
| 6.12% | 6.35% | 5.14% | |
| 6.13% | 6.35% | 5.14% | |
| 6.13% | 6.35% | 5.14% | |
| 6.13% | 6.35% | 5.14% | |
| 6.14% | 6.35% | 5.15% | |
| 6.14% | 6.35% | 5.16% | |
| 6.14% | 6.35% | 5.16% | |
| 6.14% | 6.35% | 5.16% | |
| 6.14% | 6.35% | 5.16% | |
| 6.14% | 6.35% | 5.16% | |
| 6.14% | 6.35% | 5.19% | |
| 6.16% | 6.35% | 5.20% | |
| 6.16% | 6.35% | 5.20% | |
| 6.16% | 6.35% | 5.24% | |
| 6.16% | 6.35% | 5.25% |
History uses the earlier CANNEX product set. Today’s comparable value uses a different calculation and is not a continuation of these lines.
Current cohort and basis
Knighthead Life · Staysail
Simple interest
Headline 6.55%5.83%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
Aspida Life Insurance Company · Aspida Advisory MYGA
Flat rate
Headline 6.30%6.30%CANNEX
Canvas Annuity · Canvas Future Fund
Flat rate
Headline 6.30%6.30%CANNEX
Sentinel Security Life · Personal Choice Annuity
Flat rate
Headline 6.25%6.25%CANNEX
Wichita National Life Insurance · Security MYGA
Flat rate
Headline 6.25%6.25%CANNEX
Farmers Life Insurance Company · Safeguard Plus
Flat rate
Headline 6.15%6.15%CANNEX
Revol One Insurance Company · DirectGrowth MYGA
Flat rate
Headline 6.15%6.15%CANNEX
Ibexis Life & Annuity Insurance Company · MYGA Plus™
Basis pendingHeld out of comparable index
Headline 6.15%Comparable pendingVerified from carrier rate sheet
Atlantic Coast Life · Safe Haven Bonus Guarantee
Simple interest
Year 1 6.70% · renewal 5.70% · 5-year term
Headline 6.70%5.90%CANNEX
Market pulse · latest rated CANNEX movers · Sep 25
Who moved, and which way
Market breadth
Latest reported market window+2net carriers raising
2 raised0 cut66 unchanged
Latest CANNEX moves
Athene Annuity and Life Company
Athene BCA 6 2.0 · Participation rate · $0+ premium · 170.00%→185.00%
AM Best A++15.00 pts
Athene Annuity and Life Company
Athene Velocity · Participation rate · $0+ premium · 170.00%→185.00%
AM Best A++15.00 pts
Athene Annuity and Life Company
Athene BCA 8 2.0 · Participation rate · $0+ premium · 175.00%→190.00%
AM Best A++15.00 pts
Athene Annuity and Life Company
Athene BCA 10 2.0 · Participation rate · $0+ premium · 48.00%→52.00%
AM Best A++4.00 pts
Athene Annuity and Life Company
Athene BCA 6 2.0 · Participation rate · $0+ premium · 180.00%→195.00%
AM Best A++15.00 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 ledgerExplore product changes, fees & guarantees
Repricing observatory · 30 days
Product changes
Changes are grouped by product and observation day.
Coverage: Showing the latest 200 of 7,938 changes from the past 30 days. Older matching changes are outside this view. No magnitude floor is applied to the returned feed. The feed may not yet include every kind of product change.
Changes to watch
Rate increases shown with a new fee, lower guarantee, or tighter lock-in.
New fee
Prudential Financial · FlexGuard Income 2.0
RILA · observed Sep 25
1 recorded changes · view details
Rider feeNot published → 1.7% · Added
Net for a $100,000 buyer: −$1,700/yr on $100,000, before compounding and contract-specific timing.
Raise
Oceanview Life and Annuity Company · Sky Harbourview Multi-Year Guaranteed Annuity
MYGA · observed Sep 26
54 recorded changes · view details
First-year rate component · Guarantee term: 10 years · Schedule year: 1(3 matching observations)5.2% → 5.4% · +20 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(3 matching observations)5.1% → 5.4% · +30 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(6 matching observations)5.4% → 5.65% · +25 bps
Guarantee-period yield · Guarantee term: 5 years(6 matching observations)5.4% → 5.65% · +25 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(3 matching observations)5.05% → 5.3% · +25 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(6 matching observations)5.45% → 5.75% · +30 bps
First-year rate component · Guarantee term: 10 years · Schedule year: 1(6 matching observations)5.55% → 5.75% · +20 bps
Guarantee-period yield · Guarantee term: 7 years(6 matching observations)5.45% → 5.75% · +30 bps
Guarantee-period yield · Guarantee term: 10 years(6 matching observations)5.55% → 5.75% · +20 bps
Guarantee-period yield · Guarantee term: 7 years(3 matching observations)5.1% → 5.4% · +30 bps
Guarantee-period yield · Guarantee term: 5 years(3 matching observations)5.05% → 5.3% · +25 bps
Guarantee-period yield · Guarantee term: 10 years(3 matching observations)5.2% → 5.4% · +20 bps
Net for a $100,000 buyer: Multiple alternative terms or rate options changed; no single dollar total can be stated for a $100,000 buyer.
Raise
Athene Annuity and Life Company · Athene MYG NY
MYGA · observed Sep 26
24 recorded changes · view details
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)5.25% → 5.6% · +35 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)4.95% → 5.15% · +20 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)4.6% → 4.8% · +20 bps
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)4.9% → 5.15% · +25 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)4.8% → 5.05% · +25 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)5.25% → 5.6% · +35 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)4.95% → 5.15% · +20 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)5.05% → 5.4% · +35 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)4.6% → 4.8% · +20 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)5.05% → 5.4% · +35 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)4.9% → 5.15% · +25 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)4.8% → 5.05% · +25 bps
Net for a $100,000 buyer: Multiple alternative terms or rate options changed; no single dollar total can be stated for a $100,000 buyer.
Raise
Athene Annuity and Life Company · Athene MaxRate
MYGA · observed Sep 26
24 recorded changes · view details
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)5.15% → 5.35% · +20 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)5.05% → 5.25% · +20 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)5.35% → 5.7% · +35 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)5.05% → 5.25% · +20 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)5.05% → 5.3% · +25 bps
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)5.35% → 5.7% · +35 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)5.05% → 5.3% · +25 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)4.8% → 5% · +20 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)4.8% → 5% · +20 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)5.15% → 5.35% · +20 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)5.25% → 5.6% · +35 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)5.25% → 5.6% · +35 bps
Net for a $100,000 buyer: Multiple alternative terms or rate options changed; no single dollar total can be stated for a $100,000 buyer.
Raise
Athene Annuity and Life Company · Athene MYG
MYGA · observed Sep 26
24 recorded changes · view details
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)5.2% → 5.4% · +20 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)5.15% → 5.35% · +20 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)5.45% → 5.65% · +20 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)4.85% → 5.1% · +25 bps
First-year rate component · Guarantee term: 5 years · Schedule year: 1(2 matching observations)5.4% → 5.6% · +20 bps
First-year rate component · Guarantee term: 7 years · Schedule year: 1(2 matching observations)5.2% → 5.4% · +20 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)4.85% → 5.1% · +25 bps
Guarantee-period yield · Guarantee term: 7 years(2 matching observations)5.45% → 5.65% · +20 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)5.15% → 5.35% · +20 bps
Guarantee-period yield · Guarantee term: 5 years(2 matching observations)5.4% → 5.6% · +20 bps
First-year rate component · Guarantee term: 3 years · Schedule year: 1(2 matching observations)5.15% → 5.4% · +25 bps
Guarantee-period yield · Guarantee term: 3 years(2 matching observations)5.15% → 5.4% · +25 bps
Net for a $100,000 buyer: Multiple alternative terms or rate options changed; no single dollar total can be stated for a $100,000 buyer.
New fee
Prudential Financial · FlexGuard Income 2.0
RILA · observed Sep 25
1 recorded changes · view details
Rider feeNot published → 1.7% · Added
Net for a $100,000 buyer: −$1,700/yr on $100,000, before compounding and contract-specific timing.
Not classified
Midland National Life Insurance Company · Summit Edge 10
FIA · observed Sep 25
1 recorded changes · view details
Crediting lineup · Premium: $100k+Not published → Not published · Changed
Net for a $100,000 buyer: No deterministic dollar effect can be stated from the observed fields alone.
Not classified
Midland National Life Insurance Company · Summit Edge 7
FIA · observed Sep 25
1 recorded changes · view details
Crediting lineupNot published → Not published · Changed
Net for a $100,000 buyer: No deterministic dollar effect can be stated from the observed fields alone.
Not classified
Midland National Life Insurance Company · Summit Edge 5
FIA · observed Sep 25
1 recorded changes · view details
Crediting lineup · Premium: $100k+Not published → Not published · Changed
Net for a $100,000 buyer: No deterministic dollar effect can be stated from the observed fields alone.
CANNEX observations describe current new-money product terms. They do not establish changes to an existing owner's in-force renewal terms.
Put it everywhere
Embed the live index. Cite the source.
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, 6.15% (comparable cohort September 24, 2026 at 8:00 PM EDT; headline observations September 25, 2026 at 8:18 AM EDT). https://annuityrateshq.com/rate-index
Live embeddable widget · preview
ARHQ Annuity Rate Index · Sep 25
MYGA 5-Year6.30%
FIA Cap · S&P 1-Year9.09%
SPIA income · 65M/$100k$625/mo
FIA fee-group breakdown
FIA cap · no-fee visible cohort8.77%
179 strategies · source Sep 25 · selection v2
FIA cap · fee-based visible cohort10.22%
40 strategies · source Sep 25 · selection v2
FIA participation · no-fee visible cohort52.96%
84 strategies · source Sep 25 · selection v2
FIA participation · fee-based visible cohort60.54%
24 strategies · source Sep 25 · 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
Higher declared/fixed rates, caps, participation, triggers, bonuses, roll-ups, withdrawals, free-withdrawal allowances, and guarantees are classified as better. Higher fees, surrender length, vesting length, or newly applicable MVA are classified as worse. Added and removed values reverse those directions. Any field outside this closed table remains unclassified.CD benchmark: 1.38% · FDIC national rates via FRED · not from CANNEX.
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.