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Live · updated daily from CANNEX

The Annuity Rate Index

The daily benchmark for the U.S. annuity market, tracking guaranteed rates, index caps, participation rates, and income payouts across the CANNEX-backed AdvisorWorld public feed.

As of August 7, 2026 at 12:10 PM UTC · source: CANNEX via AdvisorWorld
Cite this index value Read the monthly rates report
MYGA 5-Year6.17%No change inMYGA 3-Year5.77%No change inMYGA 7-Year6.24%No change inMYGA 10-Year6.12%No change inFIA S&P 500 Cap Index8.27%-116 bpsFIA S&P 500 Participation Index40.82%-202 bpsSPIA Income Index$619/moNo change in latest readingDIA Income Index$1,225/moNo prior comparisonMYGA 5-Year6.17%No change inMYGA 3-Year5.77%No change inMYGA 7-Year6.24%No change inMYGA 10-Year6.12%No change inFIA S&P 500 Cap Index8.27%-116 bpsFIA S&P 500 Participation Index40.82%-202 bpsSPIA Income Index$619/moNo change in latest readingDIA Income Index$1,225/moNo prior comparison
MYGA 5-Year Rate Index
6.17%
No change in latest update
Guaranteed rate · 5-year · avg of top 10 declared rates · 10 rates

10 CANNEX + 0 AW-verified rates

FIA S&P 500 Cap Index
8.27%
-116 bps latest update
Cap rate · S&P 500 · 1-year point-to-point · avg of top 351 declared rates · 351 rates

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.

351 CANNEX + 0 AW-verified rates

FIA S&P 500 Participation Index
40.82%
-202 bps latest update
Participation rate · S&P 500 · 1-year point-to-point · avg of top 63 declared rates · 63 rates

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.

63 CANNEX + 0 AW-verified rates

SPIA Income Index
$619/mo
No change in latest reading
Guaranteed monthly income · life only · avg of top 24 declared rates · 24 rates
Flagship benchmark

MYGA 5-Year Rate Index

The headline guaranteed-rate benchmark: current value is the average of the 10 best eligible declared 5-year MYGA rate observations, with the market average shown alongside. Historical top-single-rate points appear separately for context.

6.17%index · guaranteed · 5-year
No change in latest update
10 CANNEX + 0 AW-verified rates
Top-10 IndexMarket average (all eligible products)Top single rateCD avg · 5-year benchmark, not CANNEX
4.46%5.02%5.59%6.15%6.72%Mar 18Apr 20May 21Jun 23Jul 16Aug 9
Last historical top-single point: 6.50%
Current index components
Knighthead Life · Staysail
5-year
6.80%CANNEX
Atlantic Coast Life · Safe Harbor Bonus Guarantee
5-year
6.45%CANNEX
Aspida Life Insurance Company · Aspida Advisory MYGA
5-year
6.15%CANNEX
Wichita National Life Insurance · Security MYGA
5-year
6.10%CANNEX
Canvas Annuity · Canvas Future Fund
5-year
6.10%CANNEX
Revol One Insurance Company · DirectGrowth MYGA
5-year
6.05%CANNEX
Mountain Life Insurance Company · Alpine Horizon
5-year
6.05%CANNEX
Heartland National Life Insurance Company · Secure Rate Pro
5-year
6.00%CANNEX
Gulf Guaranty Life Insurance Company · Anchor MYGA
5-year
6.00%CANNEX
Sentinel Security Life · Personal Choice Annuity
5-year
5.95%CANNEX
Market pulse · Latest CANNEX reading

Who moved, and which way

Latest CANNEX moves

No qualifying moves in the latest window.

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
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 data and links back to this benchmark page.

Cite this: AnnuityRatesHQ Annuity Rate Index, MYGA 5-Year, 6.17% (August 7, 2026 at 12:10 PM UTC). https://annuityrateshq.com/rate-index
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ARHQ Annuity Rate Index · Aug 7
MYGA 5-Year6.17%
FIA Cap · S&P 1-Year8.27%
SPIA income · 65M/$100k$619/mo
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How it's built

Methodology & honesty

Source-aware rate observations

Methodology v3 combines current CANNEX observations with published rates verified against carrier rate sheets. 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.

Citable and embeddable

Use the visible update date when citing these benchmarks. An embeddable widget is available for sharing the current index values.

CD benchmark: Not reported · FDIC national rates via FRED · not from CANNEX.
rate statistics See best annuity rates

Methodology v3 uses current CANNEX observations and published rates verified against carrier rate sheets through AdvisorWorld. 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.