MYGA 5-Year Rate Index
6.43%
No change in latest update
Guaranteed rate · 5-year · avg of top 10 declared rates · 10 rates
9 CANNEX + 1 AW-verified rates
Live · updated daily from CANNEX + verified carrier sheets
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 and carrier-sheet-verified AdvisorWorld public feed.
As of August 17, 2026 at 12:13 PM UTC · source: CANNEX + verified carrier sheets via AdvisorWorld public API
MYGA 5-Year6.43%No change inMYGA 3-Year6.08%No change inMYGA 7-Year6.54%No change inMYGA 10-Year6.21%No change inFIA S&P 500 Cap Index8.81%Current feed averageFIA S&P 500 Participation Index47.27%Current feed averageSPIA Income Index$619/moNo change in latest readingDIA Income Index$1,226/moNo prior comparisonMYGA 5-Year6.43%No change inMYGA 3-Year6.08%No change inMYGA 7-Year6.54%No change inMYGA 10-Year6.21%No change inFIA S&P 500 Cap Index8.81%Current feed averageFIA S&P 500 Participation Index47.27%Current feed averageSPIA Income Index$619/moNo change in latest readingDIA Income Index$1,226/moNo prior comparison
FIA S&P 500 Cap Index
8.81%
Current feed average
Cap rate · S&P 500 · 1-year point-to-point · avg of top 403 declared rates · 403 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.
403 CANNEX + 0 AW-verified rates
FIA S&P 500 Participation Index
47.27%
Current feed average
Participation rate · S&P 500 · 1-year point-to-point · avg of top 196 declared rates · 196 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.
196 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.
6.43%index · guaranteed · 5-year
No change in latest update
9 CANNEX + 1 AW-verified rates
Top-10 IndexMarket average (all eligible products)Top single rateCD avg · 5-year benchmark, not CANNEX
Last historical top-single point: 6.50%
Current index components
Ibexis Life & Annuity Insurance Company · MYGA Plus™
5-year
7.75%Verified from carrier rate sheet
Knighthead Life · Staysail
5-year
6.80%CANNEX
Atlantic Coast Life · Safe Harbor Bonus Guarantee
5-year
6.45%CANNEX
Mountain Life Insurance Company · Alpine Horizon
5-year
6.30%CANNEX
Sentinel Security Life · Personal Choice Annuity
5-year
6.25%CANNEX
Wichita National Life Insurance · Security MYGA
5-year
6.25%CANNEX
Aspida Life Insurance Company · Aspida Advisory MYGA
5-year
6.15%CANNEX
Revol One Insurance Company · DirectGrowth MYGA
5-year
6.15%CANNEX
Heartland National Life Insurance Company · Secure Rate Pro
5-year
6.10%CANNEX
Canvas Annuity · Canvas Future Fund
5-year
6.10%CANNEX
Market pulse · Latest CANNEX reading
Who moved, and which way
Market breadth
Latest reported market window+7net carriers raising
8 raised1 cut2 mixed56 unchanged
Latest CANNEX moves
Jackson National Life Insurance
MarketProtector · Cap rate · $0–$99,999.99 premium · 10.50%→8.60%
AM Best A−190 bps
Jackson National Life Insurance
MarketProtector (CA) · Cap rate · $0–$99,999.99 premium · 10.50%→8.60%
AM Best A−190 bps
Jackson National Life Insurance
MarketProtector · Declared rate · $0–$99,999.99 premium · 8.45%→7.05%
AM Best A−140 bps
Jackson National Life Insurance
MarketProtector (CA) · Declared rate · $0–$99,999.99 premium · 8.45%→7.05%
AM Best A−140 bps
Jackson National Life Insurance
MarketProtector · Declared rate · $100,000+ premium · 9.30%→7.85%
AM Best A−145 bps
Jackson National Life Insurance
MarketProtector (CA) · Declared rate · $100,000+ premium · 9.30%→7.85%
AM Best A−145 bps
Jackson National Life Insurance
MarketProtector · Cap rate · $100,000+ premium · 11.55%→9.90%
AM Best A−165 bps
Jackson National Life Insurance
MarketProtector (CA) · Cap rate · $100,000+ premium · 11.55%→9.90%
AM Best A−165 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 ledgerPut 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.
Cite this: AnnuityRatesHQ Annuity Rate Index, MYGA 5-Year, 6.43% (August 17, 2026 at 12:13 PM UTC). https://annuityrateshq.com/rate-index
Live embeddable widget · preview
ARHQ Annuity Rate Index · Aug 17
MYGA 5-Year6.43%
FIA Cap · S&P 1-Year8.81%
SPIA income · 65M/$100k$619/mo
Powered by AnnuityRatesHQ · CANNEX + verified carrier sheets
<div data-arhq-rate-index></div><script async src="https://annuityrateshq.com/embed/rate-index.js?v=2026-07-15-canonical-display"></script>
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: 1.36% · FDIC national rates via FRED · not from CANNEX.
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.