Fixed Indexed Annuity Rates — Compare FIA Cap Rates & Strategies
Compare current FIA cap rates, participation rates, and index strategies. Filter by index, crediting period, carrier rating, and state availability.
Rates as of June 15, 2026
10
Strategies
7
Carriers
FIA
Indices
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Rates sourced from CANNEX Financial Exchanges. Click any row for details. Subject to change.
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What is an FIA?
Fixed Indexed Annuities link returns to market indices while guaranteeing your principal. Growth is credited based on index performance, subject to caps and participation rates.
Cap vs Participation
Cap rate limits your maximum gain. Participation rate is the % of index gain you receive. Some strategies use spreads instead — a deduction from the index return.
Engineered Indices
Beyond S&P 500, many FIAs offer proprietary volatility-controlled indices. These often have higher caps or uncapped participation but different risk profiles.
Browse FIA Rates by Carrier
Guardian Life Insurance Company
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Allianz
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AmFirst
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American Equity Investment Life Insurance Company
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American Life
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American National Life Insurance Company
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Americo
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Aspida
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Athene Annuity and Life Company
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Atlantic Coast Life
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AuguStar Financial
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Axonic Insurance Services (AIS)
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Frequently Asked Questions
What is a Fixed Indexed Annuity?
A Fixed Indexed Annuity links returns to market indices like the S&P 500 while guaranteeing your principal. Growth is credited based on index performance, subject to caps and participation rates.
What is a cap rate on an FIA?
A cap rate is the maximum interest rate you can earn during a crediting period. When index returns exceed the cap, your earnings are limited to the cap rate specified in your contract.
What is a participation rate?
The participation rate is the percentage of index gains credited to your account. A 75% participation rate means you receive 75% of the index gain, subject to any cap.
Can you lose money in a Fixed Indexed Annuity?
No. FIAs guarantee your principal against market losses. If the index declines, your account value stays the same -- it cannot decrease due to market performance.
What are engineered indices?
Beyond standard indices like the S&P 500, many FIAs offer proprietary volatility-controlled indices. These often have higher caps or uncapped participation rates but different risk profiles than traditional market indices.