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 16, 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	Global Atlantic - Forethought Life Insurance Company	ForeAccumulation II	12.50%	cap · S&P 500 · 1-yr point-to-point	A
5	The Standard	Enhanced Choice Index Plus 7	12.50%	cap · S&P 500 · 1-yr point-to-point	A
6	EquiTrust Life Insurance Company	MarketValue Index	12.50%	cap · S&P 500 · 1-yr point-to-point	B++
7	The Standard	Enhanced Choice Index Plus 5	12.00%	cap · S&P 500 · 1-yr point-to-point	A
8	Security Benefit Life Insurance Company	Strategic Growth Annuity	12.00%	cap · S&P 500 · 1-yr point-to-point	A-
9	American Equity Investment Life Insurance Company	American Equity AssetShield 10	11.75%	cap · S&P 500 · 1-yr point-to-point	A
10	American Equity Investment Life Insurance Company	American Equity AssetShield 9	11.75%	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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