MYGAFirst observed Jul 16, 2026
Premier Voyage - availability added
Massachusetts Mutual Life Insurance Company - Announced fixed rate added at 4.80% across 5 options
Now listed
Updated July 16, 2026 · live from CANNEX
Best Annuity Rates Today
This week's top guaranteed rate
7.45% - Atlantic Coast Life, 5-year MYGA, AM Best B. Compare today's best rates across product types below.
Live rate view
MYGA guaranteed rates and FIA cap metrics are pulled from CANNEX through AdvisorWorld. Ratings are displayed with carrier rates so rate and strength are visible together.
7.45%
Top 5-year MYGA guaranteed rate
14.00%
Top S&P 500 1-year FIA cap
5.13%
Average 5-year MYGA guaranteed rate
66
Carriers in current rate feeds
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7.45%
Atlantic Coast LifeSafe Harbor Bonus Guarantee · guaranteed rate · fixed account · 5-year · AM Best BRates as of July 16, 2026.
Today's best rates
Top annuity rates by product type
Live CANNEX rates, ranked with like-for-like metrics. Click table headers to sort.
MYGA guaranteed rates
Best fixed annuity rates by term
Guaranteed rate · fixed account · top alternatives for 3-, 5-, and 7-year terms · as of July 16, 2026
| Rank | ||||
|---|---|---|---|---|
| 3-year | 1 | Mountain Life Insurance Company Alpine Horizon | 6.00% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 2 | Sentinel Security Life Personal Choice Annuity | 6.00% Guaranteed rate · fixed account · 3-year | B |
| 3-year | 3 | Canvas Annuity Canvas Future Fund | 6.00% Guaranteed rate · fixed account · 3-year | B++ |
| 3-year | 4 | Wichita National Life Insurance Security MYGA | 5.85% Guaranteed rate · fixed account · 3-year | B+ |
| 3-year | 5 | Mountain Life Insurance Company Secure Summit | 5.85% Guaranteed rate · fixed account · 3-year | B+ |
| 5-year | 1 | Knighthead Life Staysail | 6.45% Guaranteed rate · fixed account · 5-year | A- |
| 5-year | 2 | Mountain Life Insurance Company Alpine Horizon | 6.30% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 3 | Sentinel Security Life Personal Choice Annuity | 6.25% Guaranteed rate · fixed account · 5-year | B |
| 5-year | 4 | Wichita National Life Insurance Security MYGA | 6.25% Guaranteed rate · fixed account · 5-year | B+ |
| 5-year | 5 | Canvas Annuity Canvas Future Fund | 6.10% Guaranteed rate · fixed account · 5-year | B++ |
| 7-year | 1 | Knighthead Life Staysail | 6.80% Guaranteed rate · fixed account · 7-year | A- |
| 7-year | 2 | Sentinel Security Life Personal Choice Annuity | 6.25% Guaranteed rate · fixed account · 7-year | B |
| 7-year | 3 | Canvas Annuity Canvas Future Fund | 6.20% Guaranteed rate · fixed account · 7-year | B++ |
| 7-year | 4 | Wichita National Life Insurance Security MYGA | 6.10% Guaranteed rate · fixed account · 7-year | B+ |
| 7-year | 5 | Heartland National Life Insurance Company Secure Rate Pro | 6.10% Guaranteed rate · fixed account · 7-year | B++ |
FIA cap rates
Best fixed index annuity S&P 500 caps
Ranked within each cap cohort · cap values above 20% are blocked · as of July 16, 2026
S&P 500 · 1-yr point-to-point
Cap rate
1A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
14.00%
Cap rate · S&P 500 · 1-yr point-to-point
2A
Fidelity and Guaranty
FG AccumulatorPlus 10
13.25%
Cap rate · S&P 500 · 1-yr point-to-point
3A
Fidelity and Guaranty
FG AccumulatorPlus 7
13.00%
Cap rate · S&P 500 · 1-yr point-to-point
4A
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
5A
The Standard
Enhanced Choice Index Plus 7
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
6B++
EquiTrust Life Insurance Company
MarketValue Index
12.50%
Cap rate · S&P 500 · 1-yr point-to-point
7A
The Standard
Enhanced Choice Index Plus 5
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
8A-
Security Benefit Life Insurance Company
Strategic Growth Annuity
12.00%
Cap rate · S&P 500 · 1-yr point-to-point
9A
American Equity Investment Life Insurance Company
American Equity AssetShield 10
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
10A
American Equity Investment Life Insurance Company
American Equity AssetShield 9
11.75%
Cap rate · S&P 500 · 1-yr point-to-point
| Rank | Carrier and product | Metric value | Index | Term | AM Best |
|---|---|---|---|---|---|
| 1 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II Advisory | 14.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 2 | Fidelity and Guaranty FG AccumulatorPlus 10 | 13.25% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 3 | Fidelity and Guaranty FG AccumulatorPlus 7 | 13.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 4 | Global Atlantic - Forethought Life Insurance Company ForeAccumulation II | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 5 | The Standard Enhanced Choice Index Plus 7 | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 6 | EquiTrust Life Insurance Company MarketValue Index | 12.50% Cap rate | S&P 500 | 1-yr point-to-point | B++ |
| 7 | The Standard Enhanced Choice Index Plus 5 | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 8 | Security Benefit Life Insurance Company Strategic Growth Annuity | 12.00% Cap rate | S&P 500 | 1-yr point-to-point | A- |
| 9 | American Equity Investment Life Insurance Company American Equity AssetShield 10 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | A |
| 10 | American Equity Investment Life Insurance Company American Equity AssetShield 9 | 11.75% Cap rate | S&P 500 | 1-yr point-to-point | A |
Source: CANNEX Financial Exchanges via AdvisorWorld, as of July 16, 2026. Rates vary by state, premium band, and issue age. Standard FIA cap, participation, and performance-trigger tables rank recognizable public benchmark indexes only, and only within a single index plus crediting-term cohort. Guarantees are backed by the issuing carrier's claims-paying ability, not FDIC insured.
Registered index-linked annuities
RILA segment rates by protection type
RILA segments are not included in one “best rate” ranking. Buffer and floor structures carry different downside exposure, so each protection type is shown separately.
Buffer segments
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
0.1175% cap
0.2% buffer
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
1.2% participation
0.2% buffer
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
0.8% participation
0.2% buffer
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
1% participation
0.2% buffer
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
0.7% participation
0.2% buffer
Floor segments
AccumuLink Advance
Minnesota Life Insurance Company - A Securian Co.
0.0675% cap
0% floor
Defined Protection Annuity 2.0
Nationwide Life Insurance Company
3.55% participation
0.1% floor
ForeStructured Growth II
Global Atlantic - Forethought Life Insurance Company
0.1175% cap
0.1% floor
ForeStructured Growth II Advisory
Global Atlantic - Forethought Life Insurance Company
0.1275% cap
0.1% floor
Index Achiever
MassMutual Ascend Life Insurance Company
0.135% cap
0.1% floor
This week
Rate movements
Significant guaranteed-rate and indexed-crediting changes detected from the CANNEX daily refresh.
MYGAFirst observed Jul 16, 2026
Stable Voyage - availability added
Massachusetts Mutual Life Insurance Company - Announced fixed rate added at 4.80%
Premium $100k+
Now listed
MYGAFirst observed Jul 16, 2026
Stable Voyage - availability added
Massachusetts Mutual Life Insurance Company - Announced fixed rate added at 4.90%
Premium $100k+
Now listed
MYGAFirst observed Jul 16, 2026
Stable Voyage - availability added
Massachusetts Mutual Life Insurance Company - Announced fixed rate added at 5.00%
Premium $100k+
Now listed
Source: CANNEX daily refresh. Movements can reflect MYGA guaranteed rates, FIA caps, participation rates, declared rates, additions, or removals.
In context
Today's best MYGA vs. a CD benchmark
A multi-year guaranteed annuity locks a guaranteed rate like a CD, but it is tax-deferred and backed by the issuing insurer rather than FDIC insurance.
7.45%
Top 5-year MYGA guaranteed rate
Atlantic Coast Life · AM Best B · CANNEX
vs
1.35%
FDIC national 60-month CD rate
Benchmark only · not CANNEX · June 2026
CD benchmark source: FDIC national rates via FRED. The displayed MYGA rate is 6.10 percentage points above this benchmark. CDs may be FDIC or NCUA insured when held at eligible institutions and within applicable limits; annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.
Know before you buy
What counts as a good annuity rate?
Rate is not everything
A higher rate from a lower-rated carrier can be a different tradeoff than a lower rate from an A-rated carrier. AM Best is shown with every carrier rate listing.
Match the term
A longer MYGA term can pay more, but it also locks the surrender period longer. Compare terms against your actual timeline.
Read the metric label
Guaranteed rate, cap, participation rate, spread, bonus, and roll-up rate are separate numbers. The tables label the metric, basis, and term.
Get the best rate matched to you
See current rates for your state, premium, age, and term in a personalized comparison.
Get my rate reportBest annuity rates FAQ
What is the best annuity rate today?
The best annuity rate depends on product type, term, state, premium band, and carrier rating. This page shows the top current MYGA guaranteed rates and the top S&P 500 1-year FIA caps from CANNEX with AM Best ratings.
Why are MYGA rates and FIA caps shown separately?
A MYGA rate is a guaranteed fixed rate for a term. An FIA cap is an index-crediting limit, not a guaranteed yield. They are different metrics and should not be ranked in one column.
Why are participation rates excluded from the FIA cap table?
Participation rates, spreads, fixed-account rates, bonuses, and caps are different crediting metrics. The FIA cap table ranks only S&P 500 annual point-to-point caps, and we exclude values that are clearly data errors.
Are annuity rates FDIC insured?
No. Annuity guarantees are backed by the issuing insurance carrier's claims-paying ability. The CD benchmark is shown only for context and is not part of the CANNEX annuity data.
Sources and data: all annuity rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of July 16, 2026. The CD figure is the FDIC national 60-month CD benchmark via FRED, not a CANNEX rate. Rates vary by state, premium band, and issue age; caps and participation rates can change. Educational only - not advice, a quote, or a carrier-approved illustration.
Best FIA rates by crediting metric
Best by carrier strength