Top 10 Annuities, ranked with live product-family data
Find current leaders inside one honest cohort at a time: MYGA guaranteed rates, annual S&P 500 FIA caps, or FIA income metrics. The tool never pretends those different measurements are interchangeable.
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MYGA and FIA stay separate
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July 14, 2026
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Guaranteed fixed-rate cohort
Top MYGA annuities for this scenario
Ranked only against other MYGAs using declared guaranteed rates for the selected term. FIA caps and participation rates are not part of this ranking.
| Rank | Carrier and product | A.M. Best | Live ranking metric |
|---|---|---|---|
| 1 | Safe Harbor Bonus Guarantee Atlantic Coast Life MYGA cohort | B | 6.65% 5-year guaranteed rate |
| 2 | Staysail Knighthead Life MYGA cohort | A- | 6.45% 5-year guaranteed rate |
| 3 | Alpine Horizon Mountain Life Insurance Company MYGA cohort | B+ | 6.3% 5-year guaranteed rate |
| 4 | Security MYGA Wichita National Life Insurance MYGA cohort | B+ | 6.25% 5-year guaranteed rate |
| 5 | Personal Choice Annuity Sentinel Security Life MYGA cohort | B | 6.25% 5-year guaranteed rate |
| 6 | Canvas Future Fund Canvas Annuity MYGA cohort | B++ | 6.1% 5-year guaranteed rate |
| 7 | Secure Rate Pro Heartland National Life Insurance Company MYGA cohort | B++ | 6.1% 5-year guaranteed rate |
| 8 | Safeguard Plus Farmers Life Insurance Company MYGA cohort | B++ | 6% 5-year guaranteed rate |
| 9 | Anchor MYGA Gulf Guaranty Life Insurance Company MYGA cohort | B++ | 6% 5-year guaranteed rate |
| 10 | DirectGrowth MYGA Revol One Financial MYGA cohort | B++ | 6% 5-year guaranteed rate |
Rank is limited to the selected product family and scenario. Implausible, family-mismatched, or family-unverified rows are quarantined before they reach this table.
Rates and product availability vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only—not advice, a quote, or a carrier-approved illustration.
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Top 3-year MYGA rates for $100,000 in Florida
A live ranking of current 3-year guaranteed MYGA rates available for a hypothetical $100,000 premium in Florida.
See baked resultTop 5-year MYGA rates for $250,000 in Texas
A live ranking of current 5-year guaranteed MYGA rates available for a hypothetical $250,000 premium in Texas.
See baked resultTop 7-year MYGA rates for $500,000 in California
A live ranking of current 7-year guaranteed MYGA rates available for a hypothetical $500,000 premium in California.
See baked resultTop 10-year MYGA rates for $1 million in New York
A live ranking of current 10-year guaranteed MYGA rates available for a hypothetical $1 million premium in New York.
See baked resultTop annual S&P 500 FIA caps for $100,000 in Florida
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $100,000 FIA premium in Florida.
See baked resultTop annual S&P 500 FIA caps for $250,000 in Texas
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $250,000 FIA premium in Texas.
See baked resultTop annual S&P 500 FIA caps for $500,000 in California
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $500,000 FIA premium in California.
See baked resultTop annual S&P 500 FIA caps for $1 million in New York
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $1 million FIA premium in New York.
See baked resultTop FIA lifetime withdrawal rates at age 55 after 10 years in Florida
A live comparison of FIA lifetime withdrawal-rate options for issue age 55, a 10-year deferral, and Florida availability.
See baked resultTop FIA lifetime withdrawal rates at age 60 after 5 years in Texas
A live comparison of FIA lifetime withdrawal-rate options for issue age 60, a 5-year deferral, and Texas availability.
See baked resultTop FIA lifetime withdrawal rates at age 65 with no deferral in California
A live comparison of FIA lifetime withdrawal-rate options for issue age 65, no deferral, and California availability.
See baked resultTop FIA lifetime withdrawal rates at age 62 after 10 years in New York
A live comparison of FIA lifetime withdrawal-rate options for issue age 62, a 10-year deferral, and New York availability.
See baked resultMethodology
How this ranking is built
Source. Product and rate values come from CANNEX via AdvisorWorld, read through AnnuityRatesHQ’s cached, timeout-protected public data boundary.
Cadence and freshness. Live reads revalidate on a regular cache cadence. The displayed freshness label comes only from the upstream sync_log; this page never substitutes its own render time.
Formula. Eligible rows are sorted from highest to lowest on the named metric, then capped at ten. The ranking is always within one cohort: MYGA declared rates, annual S&P 500 FIA point-to-point caps, or FIA income metrics.
Integrity guards. MYGA “best rate” values must remain inside the displayable 2%–9% band. Product-family mismatches and implausible rates are quarantined by the data boundary rather than silently rendered.
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ExploreEducational comparison only. Product availability, rates, caps, participation rates, rider terms, and guarantees can change and vary by state. Guarantees are backed by the issuing insurer.