Best FIA Cap Rates
Top S&P 500 annual point-to-point cap rates for fixed indexed annuities. Ranked by highest cap rate. Sourced from CANNEX.
CANNEX data as of July 11, 2026 - 10 products ranked
| # | Carrier | Product | S&P 500 1-Year Cap | Metric | AM Best |
|---|---|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II Advisory | 14.00% | cap · S&P 500 · 1-yr point-to-point | A |
| 2 | Fidelity and Guaranty | FG AccumulatorPlus 10 | 13.25% | cap · S&P 500 · 1-yr point-to-point | A |
| 3 | Fidelity and Guaranty | FG AccumulatorPlus 7 | 13.00% | cap · S&P 500 · 1-yr point-to-point | A |
| 4 | Talcott Financial Group | EverGuard Aspire | 13.00% | cap · S&P 500 · 1-yr point-to-point | A- |
| 5 | Global Atlantic - Forethought Life Insurance Company | ForeAccumulation II | 12.50% | cap · S&P 500 · 1-yr point-to-point | A |
| 6 | The Standard | Enhanced Choice Index Plus 7 | 12.50% | cap · S&P 500 · 1-yr point-to-point | A |
| 7 | North American Company for Life and Health Insurance | NAC Guaranteed Allocation | 12.50% | cap · S&P 500 · 1-yr point-to-point | A+ |
| 8 | EquiTrust Life Insurance Company | MarketValue Index | 12.50% | cap · S&P 500 · 1-yr point-to-point | B++ |
| 9 | The Standard | Enhanced Choice Index Plus 5 | 12.00% | cap · S&P 500 · 1-yr point-to-point | A |
| 10 | Knighthead Life | Chartline | 12.00% | cap · S&P 500 · 1-yr point-to-point | A- |
Rankings based on live CANNEX rate data. Subject to change. Verify rates directly with carriers.
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