Is an FIA cap the same as a MYGA guaranteed rate?
No. A MYGA rate is guaranteed for its stated term, while an FIA cap limits potential index-linked interest crediting and can change.
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Today’s annuity rate market, in one honest snapshot
See how current MYGA guaranteed rates vary by term, then examine separate FIA cap, participation, and verified income-withdrawal cohorts. These percentages describe different contract mechanics and are never treated as comparable returns.
Distribution view
Ranges and medians, not another product ranking
Data date
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Ready-to-use examples
Explore current benchmark cohorts
Each page contains an answer from the same current data, ready to cite without submitting a form.
Current 2-year MYGA rate range
A prepared view of the leading eligible 2-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 3-year MYGA rate range
A prepared view of the leading eligible 3-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 4-year MYGA rate range
A prepared view of the leading eligible 4-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 5-year MYGA rate range
A prepared view of the leading eligible 5-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 6-year MYGA rate range
A prepared view of the leading eligible 6-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 7-year MYGA rate range
A prepared view of the leading eligible 7-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 8-year MYGA rate range
A prepared view of the leading eligible 8-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 9-year MYGA rate range
A prepared view of the leading eligible 9-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent 10-year MYGA rate range
A prepared view of the leading eligible 10-year MYGA guaranteed-rate cohort for a hypothetical $250,000 Texas premium.
See example snapshotCurrent FIA S&P 500 cap rate range
The leading current no-fee annual S&P 500 point-to-point cap strategies.
See example snapshotCurrent FIA S&P 500 participation rate range
The leading current no-cap annual S&P 500 participation-rate strategies.
See example snapshotFIA withdrawal rate range at age 55, immediate election
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 55 and a 0-year hypothetical deferral.
See example snapshotFIA withdrawal rate range at age 55, after 10 years
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 55 and a 10-year hypothetical deferral.
See example snapshotFIA withdrawal rate range at age 60, immediate election
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 60 and a 0-year hypothetical deferral.
See example snapshotFIA withdrawal rate range at age 60, after 10 years
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 60 and a 10-year hypothetical deferral.
See example snapshotFIA withdrawal rate range at age 65, immediate election
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 65 and a 0-year hypothetical deferral.
See example snapshotFIA withdrawal rate range at age 65, after 10 years
A prepared range among up to ten verified leading FIA lifetime-withdrawal-rate observations for age 65 and a 10-year hypothetical deferral.
See example snapshotMethodology
How the snapshot is calculated
Source. Every displayed market value comes from current CANNEX data delivered through AdvisorWorld. Premium, state, age, and deferral are the user’s hypothetical inputs.
Cadence and freshness. Current data is refreshed regularly. The visible date comes only from a verified source refresh date; the time you view the page, capture timestamps, and carrier effective dates are never substituted.
Formula. Each metric is normalized, deduplicated inside a like-for-like cohort, sorted high to low, and limited to up to ten leading eligible observations. The median is the middle value, or the mean of the two middle values for an even sample. “Range” means the low-to-high span inside that leading sample—not a promised marketwide range.
Integrity. Product family is verified before FIA plausibility checks. MYGA best-rate figures must remain inside 2%–9%. Implausible values and family mismatches are excluded for review. A verified uncapped strategy is shown as “Uncapped,” never as 999%.
Metric boundaries. MYGA guaranteed rates, FIA caps, FIA participation rates, and FIA lifetime withdrawal rates remain separate. None is converted into or described as a generic return.
Stable current statistics. Cite the statistics hub’s dated 5-year MYGA top-rate statistic, annual S&P 500 FIA cap statistic, or annual S&P 500 FIA participation statistic when those metrics match the figure being discussed. Copied citations carry an immutable as-of JSON verification URL, and the tool does not borrow a different hub statistic for FIA income.
How to cite this tool
A source line readers can verify
Suggested citation: “AnnuityRatesHQ, Annuity Rate Snapshot, CANNEX data via AdvisorWorld, annuityrateshq.com/market-rate-snapshot.” Link to the result for the exact hypothetical inputs and include the data date shown with that result when it is available.
Include the exact metric and basis when citing a figure—for example, “5-year MYGA guaranteed rate” or “annual S&P 500 FIA participation rate.” Never shorten a cap, participation rate, or lifetime withdrawal rate to “return.”
Questions about the benchmarks
Keep unlike annuity rates separate
What does the FIA income range measure?
It is the range among up to ten verified leading FIA lifetime-withdrawal-rate observations for the selected state, age, and hypothetical deferral. It is not a yield or marketwide distribution.
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See which products lead inside one comparable cohort.
ExploreMYGA rates
Inspect current guaranteed rates and terms.
ExploreFIA rates
Compare separate cap and participation cohorts.
ExploreBest annuity rates
Review current leaders with product context.
ExploreRate changes
Track movement in current feeds.
ExploreIncome comparison
Compare income paths for a hypothetical scenario.
ExploreTypes of annuities
Keep product families and guarantees straight.
ExploreFixed index annuity guide
Learn how FIA caps and participation rates work.
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