MYGA 3-year
comparable5.89%
10 source-backed contract options on an annual-equivalent basis.
Advertising gap: 21 bp
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 September 4, 2026 at 12:19 PM UTC · source: CANNEX + verified carrier sheets via AdvisorWorld public API
MYGA 5-Year6.44%No changeMYGA 3-Year6.10%No changeMYGA 7-Year6.55%No changeMYGA 10-Year6.21%No changeFIA S&P 500 Cap Index9.05%No cap move inFIA S&P 500 Participation Index47.76%No changeSPIA Income Index$621/moNo changeDIA Income Index$1,233/moFirst comparison pendingMYGA 5-Year6.44%No changeMYGA 3-Year6.10%No changeMYGA 7-Year6.55%No changeMYGA 10-Year6.21%No changeFIA S&P 500 Cap Index9.05%No cap move inFIA S&P 500 Participation Index47.76%No changeSPIA Income Index$621/moNo changeDIA Income Index$1,233/moFirst comparison pending
MYGA 5-year
comparable6.13%
10 source-backed contract options on an annual-equivalent basis.
Advertising gap: 31 bp
MYGA 7-year
comparable5.96%
10 source-backed contract options on an annual-equivalent basis.
Advertising gap: 59 bp
MYGA 10-year
comparable6.05%
10 source-backed contract options on an annual-equivalent basis.
Advertising gap: 16 bp
Other market benchmarks
FIA metrics remain separated by field. Fee-tier splits will appear only when the public index supplies strategy-fee dimensions.
FIA S&P 500 Cap Index
9.05%
No cap move in latest update
Cap rate · S&P 500 · 1-year point-to-point · avg of top 409 declared rates · 409 rates
No-fee tier
Not yet observedFee-bearing tier
Not yet observed
Not yet observedFee-bearing tier
Not yet observed
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.
409 CANNEX + 0 AW-verified rates
FIA S&P 500 Participation Index
47.76%
No participation move in latest update
Participation rate · S&P 500 · 1-year point-to-point · avg of top 194 declared rates · 194 rates
No-fee tier
Not yet observedFee-bearing tier
Not yet observed
Not yet observedFee-bearing tier
Not yet observed
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.
194 CANNEX + 0 AW-verified rates
SPIA Income Index
$621/mo
No change in latest reading
Guaranteed monthly income · life only · avg of top 24 declared rates · 24 rates
Basis: $100,000 premium · age 65 · male · life only
DIA Income Index
$1,233/mo
First comparison pending
Guaranteed monthly income · avg of top 10 declared rates · 10 rates
Basis: $100,000 premium · male · age 60 purchase · income at 70 · life only
10 CANNEX + 0 AW-verified rates
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.
6.13%index · guaranteed · 5-year
Current comparable reading · earlier chart points are headline basis
10 source-backed comparable options · 1 basis pending excluded
Comparable-basis methodology updated September 5, 2026.
Historical headline indexMarket average (all eligible products)Top single rate
Last historical top-single point: 6.35%
Separate CD reference: 1.36% · not included in this chart's scale.
Current cohort and basis
Ibexis Life & Annuity Insurance Company · MYGA Plus™
Basis pendingHeld out of comparable index
Headline 7.75%Comparable pendingVerified from carrier rate sheet
Knighthead Life · Staysail
Simple interest
Headline 6.70%5.95%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 6.30%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
Aspida Life Insurance Company · Aspida Advisory MYGA
Flat rate
Headline 6.15%6.15%CANNEX
Revol One Insurance Company · DirectGrowth MYGA
Flat rate
Headline 6.15%6.15%CANNEX
Heartland National Life Insurance Company · Secure Rate Pro
Flat rate
Headline 6.10%6.10%CANNEX
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
Repricing observatory · 30 days
Product changes
Changes are grouped by product and observation day.
Coverage: Showing 200 of 553 changes from the past 30 days. Ordinary rate moves use a 25 bp floor; fee additions and guarantee changes do not. 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
The Standard · Thrive Plus 7
FIA · observed Sep 5
Death benefit feeNot published → 0.8% · Added
Net for a $100,000 buyer: −$800/yr on $100,000, before compounding and contract-specific timing.
New fee
The Standard · Thrive Plus 10
FIA · observed Sep 5
Death benefit feeNot published → 0.8% · Added
Net for a $100,000 buyer: −$800/yr on $100,000, before compounding and contract-specific timing.
New fee
The Standard · Thrive Plus 10 Bonus
FIA · observed Sep 5
Death benefit feeNot published → 0.8% · Added
Net for a $100,000 buyer: −$800/yr on $100,000, before compounding and contract-specific timing.
New fee
MassMutual Ascend Life Insurance Company · American Legend 7
FIA · observed Sep 5
Death benefit feeNot published → 0.95% · Added
Net for a $100,000 buyer: −$950/yr on $100,000, before compounding and contract-specific timing.
Not classified
American Life & Security Corp · Max Growth
FIA · observed Sep 6
Current crediting rate · Guarantee term: 1 year4.5% → 4.75% · +25 bps
Declared rate · S&P 500 Index · Annual · 1-year term · Premium $0 and upUnit not yet classified → Unit not yet classified · +25 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up9.5% → 10% · +50 bps
Net for a $100,000 buyer: +$250/yr certain component; index-linked upside also changed conditionally.
Raise
The Standard · Enhanced Choice Index Plus 10
FIA · observed Sep 6
Current crediting rate · Guarantee term: 10 years4.25% → 4.5% · +25 bps
Participation rate · S&P MARC 5% Excess Return · Annual · 1-year term · Premium $0 and up175% → 185% · +10.00 pts
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up9% → 9.25% · +25 bps
Net for a $100,000 buyer: +$250/yr certain component; index-linked upside also changed conditionally.
Raise
American Life & Security Corp · American Select
FIA · observed Sep 6
Participation rate · S&P MARC 5% Excess Return · Annual · 1-year term · Premium $0 and up150% → 175% · +25.00 pts
Participation rate · S&P 500 Dynamic Intraday TCA Index (USD) ER · Annual · 1-year term · Premium $0 and up75% → 80% · +5.00 pts
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up9.5% → 10% · +50 bps
Net for a $100,000 buyer: Conditional: participation, cap, or trigger changes affect credited interest only when the index result uses them.
Not classified
American Life & Security Corp · Max Growth Bonus
FIA · observed Sep 6
Declared rate · S&P 500 Index · Annual · 1-year term · Premium $0 and upUnit not yet classified → Unit not yet classified · +25 bps
Current crediting rate · Guarantee term: 1 year3.7% → 3.95% · +25 bps
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up7.25% → 7.75% · +50 bps
Net for a $100,000 buyer: +$250/yr certain component; index-linked upside also changed conditionally.
Raise
The Standard · Enhanced Choice Index Plus 5
FIA · observed Sep 6
Participation rate · S&P MARC 5% Excess Return · Annual · 5-year term · Premium $0 and up165% → 175% · +10.00 pts
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up9% → 9.25% · +25 bps
Net for a $100,000 buyer: Conditional: participation, cap, or trigger changes affect credited interest only when the index result uses them.
Raise
The Standard · Enhanced Choice Index Plus 7
FIA · observed Sep 6
Cap rate · S&P 500 Index · Annual · 1-year term · Premium $0 and up9.5% → 9.75% · +25 bps
Participation rate · S&P MARC 5% Excess Return · Annual · 7-year term · Premium $0 and up170% → 180% · +10.00 pts
Net for a $100,000 buyer: Conditional: participation, cap, or trigger changes affect credited interest only when the index result uses them.
Cut
United Life Insurance Company · WealthChoice 7
FIA · observed Sep 6
Cap rate · Cap with Bailout · S&P 500 Index · Annual · 1-year term · Premium $0 and up10.25% → 9.75% · −50 bps
Net for a $100,000 buyer: Conditional: participation, cap, or trigger changes affect credited interest only when the index result uses them.
Cut
United Life Insurance Company · WealthChoice 5
FIA · observed Sep 6
Cap rate · Cap with Bailout · S&P 500 Index · Annual · 1-year term · Premium $0 and up10% → 9.5% · −50 bps
Net for a $100,000 buyer: Conditional: participation, cap, or trigger changes affect credited interest only when the index result uses them.
CANNEX observations describe current new-money product terms. They do not establish changes to an existing owner's in-force renewal terms.
Market pulse · Latest CANNEX reading
Who moved, and which way
Market breadth
Latest reported market window+0net carriers raising
2 raised2 cut64 unchanged
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 ledgerPut it everywhere
Embed the headline series. Share the current source.
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Current comparable reference — live, not frozen: AnnuityRatesHQ MYGA 5-Year Comparable Rate Index, 6.13% (September 4, 2026 at 12:19 PM UTC). https://annuityrateshq.com/rate-index
Live embeddable widget · preview
ARHQ Annuity Rate Index · Sep 4
MYGA 5-Year6.44%
FIA Cap · S&P 1-Year9.05%
SPIA income · 65M/$100k$621/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.
Current and embeddable
Use the visible as-of time when referring to these live benchmarks. The embeddable widget currently shares the headline series; comparable values remain on this page.
Buyer-direction table. 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: 1.36% · 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.