10-year MYGA average
The average 10-year MYGA rate is 5.55% as of July 15, 2026, calculated from 56 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
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Annuity rate statistics built to be cited
Plain-English MYGA and FIA market statistics with the number, observation date, sample size, source, and stable statistic link in one place. Stable link to the current statistic · every observation preserved in the versioned daily history CSV · permanent month-end archives.
Current statistics as of July 15, 2026 · CANNEX via AdvisorWorld
Whole-market MYGA distributions
MYGA averages, medians, top rates, and middle 50%
Each term uses the same deduplicated CANNEX rates and calculation as the term market pages. These are whole visible-market distributions, not a ranked top-10 list.
10-year MYGA median
The median 10-year MYGA rate is 5.50% as of July 15, 2026, calculated from 56 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
10-year MYGA middle 50%
The middle 50% of 10-year MYGA rates runs from 5.15% to 5.95% as of July 15, 2026, calculated from 56 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
Top 10-year MYGA rate
The highest 10-year MYGA rate is 8.65% as of July 15, 2026, calculated from 56 marketed rates representing 36 products from 27 carriers tracked via CANNEX.
2-year MYGA average
The average 2-year MYGA rate is 4.32% as of July 15, 2026, calculated from 29 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
2-year MYGA median
The median 2-year MYGA rate is 4.15% as of July 15, 2026, calculated from 29 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
2-year MYGA middle 50%
The middle 50% of 2-year MYGA rates runs from 3.90% to 5.00% as of July 15, 2026, calculated from 29 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
Top 2-year MYGA rate
The highest 2-year MYGA rate is 6.10% as of July 15, 2026, calculated from 29 marketed rates representing 21 products from 12 carriers tracked via CANNEX.
3-year MYGA average
The average 3-year MYGA rate is 4.82% as of July 15, 2026, calculated from 188 marketed rates representing 113 products from 57 carriers tracked via CANNEX.
3-year MYGA median
The median 3-year MYGA rate is 4.85% as of July 15, 2026, calculated from 188 marketed rates representing 113 products from 57 carriers tracked via CANNEX.
3-year MYGA middle 50%
The middle 50% of 3-year MYGA rates runs from 4.45% to 5.25% as of July 15, 2026, calculated from 188 marketed rates representing 113 products from 57 carriers tracked via CANNEX.
Top 3-year MYGA rate
The highest 3-year MYGA rate is 6.80% as of July 15, 2026, calculated from 188 marketed rates representing 113 products from 57 carriers tracked via CANNEX.
4-year MYGA average
The average 4-year MYGA rate is 4.66% as of July 15, 2026, calculated from 50 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA median
The median 4-year MYGA rate is 4.60% as of July 15, 2026, calculated from 50 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
4-year MYGA middle 50%
The middle 50% of 4-year MYGA rates runs from 4.35% to 4.95% as of July 15, 2026, calculated from 50 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
Top 4-year MYGA rate
The highest 4-year MYGA rate is 6.05% as of July 15, 2026, calculated from 50 marketed rates representing 35 products from 20 carriers tracked via CANNEX.
5-year MYGA average
The average 5-year MYGA rate is 5.12% as of July 15, 2026, calculated from 221 marketed rates representing 134 products from 62 carriers tracked via CANNEX.
5-year MYGA median
The median 5-year MYGA rate is 5.10% as of July 15, 2026, calculated from 221 marketed rates representing 134 products from 62 carriers tracked via CANNEX.
5-year MYGA middle 50%
The middle 50% of 5-year MYGA rates runs from 4.75% to 5.45% as of July 15, 2026, calculated from 221 marketed rates representing 134 products from 62 carriers tracked via CANNEX.
Top 5-year MYGA rate
The highest 5-year MYGA rate is 7.45% as of July 15, 2026, calculated from 221 marketed rates representing 134 products from 62 carriers tracked via CANNEX.
6-year MYGA average
The average 6-year MYGA rate is 5.04% as of July 15, 2026, calculated from 35 marketed rates representing 29 products from 22 carriers tracked via CANNEX.
6-year MYGA median
The median 6-year MYGA rate is 4.80% as of July 15, 2026, calculated from 35 marketed rates representing 29 products from 22 carriers tracked via CANNEX.
6-year MYGA middle 50%
The middle 50% of 6-year MYGA rates runs from 4.40% to 5.45% as of July 15, 2026, calculated from 35 marketed rates representing 29 products from 22 carriers tracked via CANNEX.
Top 6-year MYGA rate
The highest 6-year MYGA rate is 7.67% as of July 15, 2026, calculated from 35 marketed rates representing 29 products from 22 carriers tracked via CANNEX.
7-year MYGA average
The average 7-year MYGA rate is 5.11% as of July 15, 2026, calculated from 197 marketed rates representing 121 products from 55 carriers tracked via CANNEX.
7-year MYGA median
The median 7-year MYGA rate is 5.10% as of July 15, 2026, calculated from 197 marketed rates representing 121 products from 55 carriers tracked via CANNEX.
7-year MYGA middle 50%
The middle 50% of 7-year MYGA rates runs from 4.80% to 5.45% as of July 15, 2026, calculated from 197 marketed rates representing 121 products from 55 carriers tracked via CANNEX.
Top 7-year MYGA rate
The highest 7-year MYGA rate is 7.90% as of July 15, 2026, calculated from 197 marketed rates representing 121 products from 55 carriers tracked via CANNEX.
Shared Annuity Rate Index
Average of the top MYGA rates, by term
These preserved top-rate averages come from the same CANNEX data shown on the Annuity Rate Index. Their sample counts are declared-rate observations, not unique products, and one product can contribute multiple observations. They are not the whole-market averages above.
10-year MYGA Rate Index
The average of the top 25 10-year MYGA declared-rate observations was 6.26% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
2-year MYGA Rate Index
The average of the top 25 2-year MYGA declared-rate observations was 4.61% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
3-year MYGA Rate Index
The average of the top 25 3-year MYGA declared-rate observations was 5.93% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
4-year MYGA Rate Index
The average of the top 25 4-year MYGA declared-rate observations was 5.15% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
5-year MYGA Rate Index
The average of the top 25 5-year MYGA declared-rate observations was 6.26% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
6-year MYGA Rate Index
The average of the top 20 6-year MYGA declared-rate observations was 5.67% on July 15, 2026, based on 20 observations recorded in the CANNEX-backed Annuity Rate Index.
7-year MYGA Rate Index
The average of the top 25 7-year MYGA declared-rate observations was 6.31% on July 15, 2026, based on 25 observations recorded in the CANNEX-backed Annuity Rate Index.
Like-for-like FIA cohorts
FIA cap, participation, and performance-trigger statistics
S&P 500 one-year cap, participation, and performance-trigger strategies remain separate. We exclude products that do not belong in a like-for-like comparison. Uncapped strategies are “Uncapped,” never 0%.
Average S&P 500 one-year FIA cap rate
The average S&P 500 one-year FIA cap rate is 12.53% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Median S&P 500 one-year FIA cap rate
The median S&P 500 one-year FIA cap rate is 12.50% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Top S&P 500 one-year FIA cap rate
The highest S&P 500 one-year FIA cap rate is 14.00% as of July 15, 2026, across 10 strategies from 6 carriers tracked via CANNEX.
Average zero-fee S&P 500 one-year FIA participation rate
The average zero-fee S&P 500 one-year FIA participation rate is 39.40% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Median zero-fee S&P 500 one-year FIA participation rate
The median zero-fee S&P 500 one-year FIA participation rate is 44.00% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Top zero-fee S&P 500 one-year FIA participation rate
The highest zero-fee S&P 500 one-year FIA participation rate is 54.00% as of July 15, 2026, across 10 strategies from 4 carriers tracked via CANNEX.
Average S&P 500 one-year FIA performance-trigger rate
The average S&P 500 one-year FIA performance-trigger rate is 5.73% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Median S&P 500 one-year FIA performance-trigger rate
The median S&P 500 one-year FIA performance-trigger rate is 6.00% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Top S&P 500 one-year FIA performance-trigger rate
The highest S&P 500 one-year FIA performance-trigger rate is 8.00% as of July 15, 2026, across 16 strategies from 4 carriers tracked via CANNEX.
Coverage and movement
How broad is the feed, and how fast is it moving?
Tracked annuity carriers
AnnuityRatesHQ tracks 64 annuity carriers as of July 15, 2026, across 175 unique MYGA and FIA products in the CANNEX-backed feed. The family coverage includes 159 MYGA products from 63 carriers and 16 FIA products from 8 carriers.
Annuity rate-change velocity
The CANNEX daily sync logged 28 significant annuity rate increases and 15 significant annuity rate decreases in the past 30 days as of July 15, 2026, across 43 observed changes from 3 carriers. That is an average of 1.43 observed changes per day.
Shared rate-index history
MYGA rates over time, by guarantee term
Each line is the recorded daily average of the top CANNEX-backed declared rates for one MYGA term. This is the same history used by the Annuity Rate Index, not a second trend calculation. One product can contribute more than one rate. Today’s live reading can differ from the latest daily history point.
2-year3-year4-year5-year6-year7-year10-year
| Term | First daily observation | Latest stored daily observation | Sample at latest |
|---|---|---|---|
| 2-year | 4.16% · Mar 18, 26 | 4.29% · Jul 16, 26 | 21 rate observations |
| 3-year | 4.41% · Mar 18, 26 | 4.69% · Jul 16, 26 | 109 rate observations |
| 4-year | 4.40% · Mar 18, 26 | 4.62% · Jul 16, 26 | 33 rate observations |
| 5-year | 4.67% · Mar 18, 26 | 4.98% · Jul 16, 26 | 127 rate observations |
| 6-year | 4.85% · Mar 18, 26 | 4.95% · Jul 16, 26 | 29 rate observations |
| 7-year | 4.72% · Mar 18, 26 | 4.93% · Jul 16, 26 | 116 rate observations |
| 10-year | 5.17% · Mar 18, 26 | 5.37% · Jul 16, 26 | 33 rate observations |
Permanent monthly record
Monthly annuity rate archives
Monthly archives never refresh with current data. Historical backfills contain only the figures actually preserved by recorded history.
How to cite
Use the dated sentence and verification record
Site: AnnuityRatesHQ · as-of date: 2026-07-15 · source: CANNEX via AdvisorWorld. Link to the statistic's stable hub URL and include its immutable as-of JSON URL so the quoted value remains independently verifiable.
AnnuityRatesHQ. “Annuity Rate Statistics.” https://annuityrateshq.com/annuity-rate-statistics. Data as of 2026-07-15. CANNEX via AdvisorWorld.
Verifiable at https://annuityrateshq.com/annuity-rate-statistics/as-of/2026-07-15
Methodology and accuracy boundaries
Comparable data, honest omissions
MYGA averages use the same term-market calculation as our rate pages after duplicate visible rates are removed. We exclude non-marketed minimum-guarantee rates, and eligible displayed rates must fall within the 2%-9% comparison range.
FIA caps, participation rates, and performance triggers are checked in separate, like-for-like S&P 500 one-year groups. The participation statistic excludes strategies with fees or mixed crediting methods. Caps, participation rates, triggers, fixed rates, and RILA structures are never blended. A strategy without a cap is labeled “Uncapped,” not zero.
Every displayed citation uses a verified CANNEX observation date. If a complete date is unavailable, we continue showing the prior verified observation rather than an incomplete replacement.
Whole-market MYGA distributions include each eligible marketed rate after duplicate displayed rates are removed. Because one product can have multiple premium bands or contract versions, each citation reports both the number of rate entries and the number of unique products represented.
Daily history includes only complete observations. Earlier entries remain fixed, and each copied citation links to the saved figures for that date.
The history chart uses the same figures as the Annuity Rate Index. Monthly history remains available for long-term comparisons, and additions include only data that was actually recorded.