Best FIA Performance Trigger Rates
Top S&P 500 annual performance trigger rates for fixed indexed annuities, ranked by highest trigger rate. A trigger rate is a flat credit paid only when the index condition is met - not a guaranteed yield. Sourced from CANNEX.
CANNEX data as of July 16, 2026 - 25 products ranked
| # | Carrier | Product | S&P 500 1-Year Trigger | Metric | AM Best |
|---|---|---|---|---|---|
| 1 | Midland National Life Insurance Company | Summit Discovery 7 | 10.00% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 2 | Midland National Life Insurance Company | Summit Journey 10 | 9.25% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 3 | Fidelity and Guaranty | Accelerator Plus 14 | 8.00% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 4 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage Classic | 8.00% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 5 | Fidelity and Guaranty | Accelerator Plus 10 | 7.75% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 6 | Lincoln Financial | Optiblend Advisory 5 | 7.75% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 7 | Pacific Life Insurance Company | Index Edge | 7.55% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 8 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage 5 | 7.45% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 9 | Corebridge Financial | AG Choice Index 10 | 7.35% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 10 | Lincoln Financial | Lincoln Covered Choice 5 II | 7.25% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 11 | Lincoln Financial | Lincoln FlexAdvantage | 7.25% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 12 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage 7 | 6.85% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 13 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage Classic | 6.75% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 14 | Lincoln Financial | OptiBlend | 6.75% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 15 | Minnesota Life Insurance Company - A Securian Co. | SecureLink Ultra | 6.75% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 16 | Lincoln Financial | Lincoln Set 5 II | 6.50% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 17 | Fidelity and Guaranty | Accelerator Plus 14 | 6.25% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 18 | Fidelity and Guaranty | Accelerator Plus 10 | 6.00% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 19 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage+ | 5.60% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 20 | American Life & Security Corp | Max Growth Bonus | 4.75% | performance trigger · S&P 500 · 1-yr point-to-point | B++ |
| 21 | Allianz Life Insurance Company of North America | Allianz Accumulation Advantage+ | 4.35% | performance trigger · S&P 500 · 1-yr point-to-point | A+ |
| 22 | Corebridge Financial | AG Choice Index 10 | 4.15% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 23 | American National Insurance Company | ASIA Plus | 3.75% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 24 | Fidelity and Guaranty | F&G SecureIncome® 7 | 3.75% | performance trigger · S&P 500 · 1-yr point-to-point | A |
| 25 | Allianz Life Insurance Company of North America | Allianz 222+ | 3.65% | performance trigger · 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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Related Resources
FIA performance trigger FAQ
What is a performance trigger rate?
A performance trigger (or declared performance) rate is a flat credit the contract pays when the index meets the trigger condition over the crediting term - commonly a flat-or-positive S&P 500 return. If the condition is not met, the credit for that term is typically 0%.
Is a trigger rate a guaranteed yield?
No. The trigger rate is only credited when the index condition is met, so it is not a guaranteed fixed rate like a MYGA. It also is not a cap or a participation rate - those are separate crediting metrics ranked on their own pages.
How does a trigger strategy differ from a cap strategy?
A cap strategy credits the index gain up to the cap, so the credit varies with the index. A trigger strategy pays one declared rate whenever the condition is met, whether the index is up slightly or up a lot.