FIAFirst observed Jun 17, 2026
Elevate Accumulator - Participation rate rose
Prudential Financial - Participation rate moved from 30.00% to 40.00%
S&P 500 Index · Annual · 1-year term · Premium $0k-$100.0M
10.00%
30.00%to40.00%
Updated June 17, 2026 · live from CANNEX
Fixed Index Annuity Rates Today
Today's top S&P 500 FIA cap
14.00% - Global Atlantic - Forethought Life Insurance Company, ForeAccumulation II Advisory, cap · S&P 500 · 1-yr point-to-point, AM Best A. Participation-rate leaders are shown separately below.
Live FIA rates
Fixed index annuity cap and participation metrics are pulled from CANNEX through AdvisorWorld across 7 current cap-rate carrier feeds. AM Best ratings appear on every row so rate and carrier strength stay visible together.
14.00%
Top S&P 500 1-year cap
550.00%
Top participation · CS Momentum Index · 3-Year
7
Cap-rate carriers in feed
14
Participation-rate carriers in feed
Best rate finder
Find the leading fixed index annuity cap
See the current S&P 500 1-year annual point-to-point cap leader from CANNEX with the metric label and AM Best rating attached.
14.00%
Global Atlantic - Forethought Life Insurance CompanyForeAccumulation II Advisory · 14.00% · cap · S&P 500 · 1-yr point-to-point · AM Best ARates as of June 17, 2026.
Fixed index annuity rates
FIA cap leaders and participation leaders
The lead table ranks S&P 500 1-year annual point-to-point caps only. Participation-rate rows live in their own table so a participation percentage is never presented as a cap.
FIA cap rates
S&P 500 1-year FIA cap leaders
Ranked like-for-like: cap only · S&P 500 · 1-year annual point-to-point · as of June 17, 2026
1A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
14.00%
14.00% · cap · S&P 500 · 1-yr point-to-point
2A
Fidelity and Guaranty
FG AccumulatorPlus 10
13.25%
13.25% · cap · S&P 500 · 1-yr point-to-point
3A
Fidelity and Guaranty
FG AccumulatorPlus 7
13.00%
13.00% · cap · S&P 500 · 1-yr point-to-point
4B++
EquiTrust Life Insurance Company
MarketValue Index
12.50%
12.50% · cap · S&P 500 · 1-yr point-to-point
5A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.25%
12.25% · cap · S&P 500 · 1-yr point-to-point
6A
The Standard
Enhanced Choice Index Plus 7
12.00%
12.00% · cap · S&P 500 · 1-yr point-to-point
7A-
Security Benefit Life Insurance Company
Strategic Growth Annuity
12.00%
12.00% · cap · S&P 500 · 1-yr point-to-point
8A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
11.75%
11.75% · cap · S&P 500 · 1-yr point-to-point
9A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
11.75%
11.75% · cap · S&P 500 · 1-yr point-to-point
10B++
Farmers Life Insurance Company
Farmers Harvest
11.75%
11.75% · cap · S&P 500 · 1-yr point-to-point
| Rank | |||
|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory | 14.00% 14.00% · cap · S&P 500 · 1-yr point-to-point | A |
| 2 | Fidelity and Guaranty FG AccumulatorPlus 10 | 13.25% 13.25% · cap · S&P 500 · 1-yr point-to-point | A |
| 3 | Fidelity and Guaranty FG AccumulatorPlus 7 | 13.00% 13.00% · cap · S&P 500 · 1-yr point-to-point | A |
| 4 | EquiTrust Life Insurance Company MarketValue Index | 12.50% 12.50% · cap · S&P 500 · 1-yr point-to-point | B++ |
| 5 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.25% 12.25% · cap · S&P 500 · 1-yr point-to-point | A |
| 6 | The Standard Enhanced Choice Index Plus 7 | 12.00% 12.00% · cap · S&P 500 · 1-yr point-to-point | A |
| 7 | Security Benefit Life Insurance Company Strategic Growth Annuity | 12.00% 12.00% · cap · S&P 500 · 1-yr point-to-point | A- |
| 8 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 11.75% 11.75% · cap · S&P 500 · 1-yr point-to-point | A |
| 9 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 11.75% 11.75% · cap · S&P 500 · 1-yr point-to-point | A |
| 10 | Farmers Life Insurance Company Farmers Harvest | 11.75% 11.75% · cap · S&P 500 · 1-yr point-to-point | B++ |
FIA participation rates
FIA participation-rate leaders
Ranked separately by participation rate · metric, index, term, and AM Best shown on each row · as of June 17, 2026
1B
Atlantic Coast Life
Accumulation Protector Plus Annuity
550.00%
550.00% · participation · CS Momentum Index · 3-Year
2B
Atlantic Coast Life
Accumulation Protector Plus Annuity
550.00%
550.00% · participation · CS ESG Macro 5 Index · 3-Year
3B
Atlantic Coast Life
Accumulation Protector Plus Annuity
465.00%
465.00% · participation · CS Momentum Index · 3-Year
4B
Atlantic Coast Life
Accumulation Protector Plus Annuity
465.00%
465.00% · participation · CS ESG Macro 5 Index · 3-Year
5B
Sentinel Security Life
Accumulation Protector Plus Annuity
407.00%
407.00% · participation · CS Momentum Index · 3-Year
6B
Sentinel Security Life
Accumulation Protector Plus Annuity
407.00%
407.00% · participation · CS ESG Macro 5 Index · 3-Year
7A+
Athene Annuity and Life Company
Athene AccuMax 7
400.00%
400.00% · participation · Shiller Barclays CAPE Allocator 6 Index · 7-Year
8B
Atlantic Coast Life
Accumulation Protector Plus Annuity
385.00%
385.00% · participation · CS Momentum Index · 2-Year
9B
Atlantic Coast Life
Accumulation Protector Plus Annuity
385.00%
385.00% · participation · CS ESG Macro 5 Index · 2-Year
10A
Fidelity and Guaranty
F&G Power Accumulator 10
360.00%
360.00% · participation · CIBC Balanced 5% Volatility Control ER Index · 2-Year
| Rank | |||
|---|---|---|---|
| 1 | Atlantic Coast Life Accumulation Protector Plus Annuity | 550.00% 550.00% · participation · CS Momentum Index · 3-Year | B |
| 2 | Atlantic Coast Life Accumulation Protector Plus Annuity | 550.00% 550.00% · participation · CS ESG Macro 5 Index · 3-Year | B |
| 3 | Atlantic Coast Life Accumulation Protector Plus Annuity | 465.00% 465.00% · participation · CS Momentum Index · 3-Year | B |
| 4 | Atlantic Coast Life Accumulation Protector Plus Annuity | 465.00% 465.00% · participation · CS ESG Macro 5 Index · 3-Year | B |
| 5 | Sentinel Security Life Accumulation Protector Plus Annuity | 407.00% 407.00% · participation · CS Momentum Index · 3-Year | B |
| 6 | Sentinel Security Life Accumulation Protector Plus Annuity | 407.00% 407.00% · participation · CS ESG Macro 5 Index · 3-Year | B |
| 7 | Athene Annuity and Life Company Athene AccuMax 7 | 400.00% 400.00% · participation · Shiller Barclays CAPE Allocator 6 Index · 7-Year | A+ |
| 8 | Atlantic Coast Life Accumulation Protector Plus Annuity | 385.00% 385.00% · participation · CS Momentum Index · 2-Year | B |
| 9 | Atlantic Coast Life Accumulation Protector Plus Annuity | 385.00% 385.00% · participation · CS ESG Macro 5 Index · 2-Year | B |
| 10 | Fidelity and Guaranty F&G Power Accumulator 10 | 360.00% 360.00% · participation · CIBC Balanced 5% Volatility Control ER Index · 2-Year | A |
Source: CANNEX Financial Exchanges via AdvisorWorld public API, as of June 17, 2026. Fixed index annuity cap and participation metrics vary by state, premium band, issue age, index, crediting method, and carrier. The S&P 500 cap table blocks values above 20% so participation-rate or other fields cannot be mislabeled as caps. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
This week
FIA rate movements
Indexed-crediting changes detected from the CANNEX daily refresh.
FIAFirst observed Jun 17, 2026
Elevate Accumulator - Fixed rate rose
Prudential Financial - Fixed rate moved from 3.00% to 4.00%
Daily · 1-year term · Premium $0k-$100.0M
1.00%
3.00%to4.00%
FIAFirst observed Jun 17, 2026
Elevate Accumulator - Cap rate rose
Prudential Financial - Cap rate moved from 9.00% to 9.65%
S&P 500 Index · Annual · 1-year term · Premium $0k-$100.0M
65 bp
9.00%to9.65%
FIAFirst observed Jun 17, 2026
Elevate Accumulator - Participation rate rose
Prudential Financial - Participation rate moved from 40.00% to 55.00%
MSCI EAFE Index · 3-Year · 3-year term · Premium $0k-$100.0M
15.00%
40.00%to55.00%
Source: CANNEX daily refresh. Movements can reflect caps, participation rates, guaranteed rates, additions, or removals.
Crediting mechanics
How FIA crediting works
A fixed index annuity rate table only makes sense when the metric, index, and term travel together. These are the distinctions the rankings enforce.
Cap
The cap is the maximum credited index gain for the term. The lead table ranks only S&P 500 1-year annual point-to-point caps and drops implausible cap values.
Participation
The participation rate is the share of the index gain credited by the formula. Participation leaders sit in a separate table because the percentage is not a cap.
Spread, index, term
A spread reduces measured index gain. The index and crediting term define the measurement period, so every row labels the metric, index, and term together.
Get FIA rates matched to your profile
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Get my rate reportFixed index annuity FAQ
What is a fixed index annuity?
A fixed index annuity is an insurance contract that credits interest from an index formula while protecting the contract value from direct market losses. The crediting formula can use a cap, participation rate, spread, index, and crediting term.
What are fixed index annuity rates?
Fixed index annuity rates are the current crediting terms published for FIA strategies. A cap is the maximum credited index gain, a participation rate is the share of index gain credited, and a spread is deducted from index gain.
What is an FIA cap?
An FIA cap is the maximum index-linked credit for a crediting period. This page ranks only S&P 500 1-year annual point-to-point caps in the lead table so the ranking stays like-for-like.
What is a participation rate?
A participation rate is the percentage of an index gain credited by the contract formula. A 150% participation rate means the formula credits 150% of the measured gain before any other contract limits or charges.
Why are caps and participation rates separated?
Caps and participation rates are different metrics. A 14% cap and a 150% participation rate cannot be ranked in the same column, so this page keeps cap leaders and participation leaders in separate views.
Sources and data: all fixed index annuity cap and participation metrics are sourced from CANNEX Financial Exchanges through the AdvisorWorld public API, as of June 17, 2026. Metrics vary by state, premium band, issue age, index, and crediting method. Educational only - not advice, a quote, or a carrier-approved illustration.