Best FIA Participation Rates
Top S&P 500 annual point-to-point participation rates for fixed indexed annuities, ranked by highest participation rate. A participation rate is the share of index gain used to calculate credits - not a guaranteed yield. Sourced from CANNEX.
CANNEX data as of July 16, 2026 - 20 products ranked
| # | Carrier | Product | S&P 500 1-Year Participation | Metric | AM Best |
|---|---|---|---|---|---|
| 1 | Oceanview Life and Annuity Company | Harbourview Fixed Indexed Annuity | 65.00% | participation · S&P 500 · 1-yr point-to-point | A |
| 2 | Midland National Life Insurance Company | Summit Laddered | 60.00% | participation · S&P 500 · 1-yr point-to-point | A+ |
| 3 | Sentinel Security Life | Accumulation Protector Plus Annuity | 54.00% | participation · S&P 500 · 1-yr point-to-point | B |
| 4 | Corebridge Financial | AG Choice Index 10 | 52.00% | participation · S&P 500 · 1-yr point-to-point | A |
| 5 | Revol One Financial | AccumRev FIA | 50.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 6 | Revol One Financial | AccumRev FIA | 50.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 7 | Revol One Financial | AccumRev FIA | 50.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 8 | Sentinel Security Life | Accumulation Protector Plus Annuity | 44.00% | participation · S&P 500 · 1-yr point-to-point | B |
| 9 | Corebridge Financial | Power Select AICO | 42.00% | participation · S&P 500 · 1-yr point-to-point | A |
| 10 | Atlantic Coast Life | Accumulation Protector Plus Annuity | 38.00% | participation · S&P 500 · 1-yr point-to-point | B |
| 11 | Atlantic Coast Life | Retirement Plus Multiplier Annuity | 28.00% | participation · S&P 500 · 1-yr point-to-point | B |
| 12 | Atlantic Coast Life | Accumulation Protector Plus Annuity | 26.00% | participation · S&P 500 · 1-yr point-to-point | B |
| 13 | North American Company for Life and Health Insurance | Income Pay Pro | 25.00% | participation · S&P 500 · 1-yr point-to-point | A+ |
| 14 | North American Company for Life and Health Insurance | NAC BenefitSolutions 10 | 25.00% | participation · S&P 500 · 1-yr point-to-point | A+ |
| 15 | Corebridge Financial | AG Choice Index 10 | 20.00% | participation · S&P 500 · 1-yr point-to-point | A |
| 16 | Corebridge Financial | AG Choice Index 10 | 10.00% | participation · S&P 500 · 1-yr point-to-point | A |
| 17 | Revol One Financial | Enduris 10 | 10.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 18 | Revol One Financial | Enduris 10 Bonus | 10.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 19 | Revol One Financial | Enduris 10 Income | 10.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
| 20 | Revol One Financial | Enduris 6 | 10.00% | participation · S&P 500 · 1-yr point-to-point | B++ |
Rankings based on live CANNEX rate data. Subject to change. Verify rates directly with carriers.
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FIA participation rate FAQ
Is a participation rate the return I earn?
No. A participation rate is the share of the index gain used to calculate your interest credit, subject to the contract terms. In a down index year the credit from this strategy is typically 0%. It is not a guaranteed yield and should not be compared directly to a MYGA rate or a CD rate.
Why are participation rates ranked separately from cap rates?
Participation rates, caps, spreads, fixed-account rates, and performance triggers are different crediting metrics. Ranking them in one column would be misleading, so this table ranks only S&P 500 annual point-to-point participation rates and the cap table ranks only caps.
Can participation rates change?
Yes. Carriers can reset participation rates on contract anniversaries, and new-business rates change with the CANNEX feed. The table shows current new-business rates, not a locked lifetime rate.