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Example market rate snapshot
The leading current no-cap annual S&P 500 participation-rate strategies.
Answer for this scenario
No-cap, no-fee, one-year point-to-point FIA strategies
Leading high
65%
Oceanview Life and Annuity Company · Harbourview Fixed Indexed Annuity · AM Best A
Median of leading sample
50%
Observed numeric range
38%–65%
Observed among 10 leading eligible numeric live observations; this is not a promised marketwide range. MYGA figures are guaranteed rates for the stated term. FIA caps, participation rates, and lifetime withdrawal rates are separate mechanics—not yields or guaranteed returns—and can change or depend on rider rules. Guarantees rely on the issuing insurer’s claims-paying ability and are not FDIC-insured. Educational only; not financial advice, a quote, or a carrier-approved illustration.
Current market dashboard
CANNEX data current as of July 16, 2026
Each term is ranked only against MYGA guaranteed rates in the displayable 2%–9% band. FIA crediting terms are excluded.
| Guaranteed term | Leading high | Leading carrier / strength | Median of sample | Leading range | Live observations |
|---|---|---|---|---|---|
| 2-year MYGA | 6.1% | Western-Southern Life Assurance Company · MultiRate · AM Best A+ | 5% | 4.4%–6.1% | 10 |
| 3-year MYGA | 6.8% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6% | 5.8%–6.8% | 10 |
| 4-year MYGA | 6.05% | Mountain Life Insurance Company · Alpine Horizon · AM Best B+ | 5.25% | 5%–6.05% | 10 |
| 5-year MYGA | 7.45% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.25% | 6%–7.45% | 10 |
| 6-year MYGA | 7.67% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 5.55% | 5.4%–7.67% | 10 |
| 7-year MYGA | 7.9% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.2% | 6%–7.9% | 10 |
| 8-year MYGA | 6% | Mountain Life Insurance Company · Secure Summit · AM Best B+ | 5.35% | 3.9%–6% | 9 |
| 9-year MYGA | 5.4% | Clear Spring Life and Annuity Company · Preserve Multi-Year Guaranteed Annuity · AM Best A- | 5.25% | 3.9%–5.4% | 9 |
| 10-year MYGA | 8.65% | Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B | 6.1% | 5.75%–8.65% | 10 |
Annual S&P 500 cap
No-fee, one-year point-to-point FIA strategies
Leading high
12.5%
North American Company for Life and Health Insurance · NAC Guaranteed Allocation · AM Best A+
Median of sample
10.5%
Leading range
10.25%–12.5%
Calculated from 10 leading eligible live observations after family and integrity checks.
Annual S&P 500 participation rate
No-cap, no-fee, one-year point-to-point FIA strategies
Leading high
65%
Oceanview Life and Annuity Company · Harbourview Fixed Indexed Annuity · AM Best A
Median of sample
50%
Leading range
38%–65%
Calculated from 10 leading eligible live observations after family and integrity checks.
FIA lifetime withdrawal rate at age 60
10-year hypothetical deferral; leading current FIA income strategies checked for the matching annuity type
Leading high
12.8%
Allianz Life Insurance Company of North America · Retirement Foundation ADV · AM Best A+
Median of sample
9.9%
Leading range
8.21%–12.8%
Calculated from 10 leading eligible live observations after family and integrity checks.
This answer uses current CANNEX data delivered through AdvisorWorld. The focused metric stays inside its own product family, index, term, and calculation basis. The page never turns a MYGA guaranteed rate, FIA cap, FIA participation rate, or lifetime withdrawal rate into one generic return.
Stable current context: cite the statistics hub’s annual S&P 500 FIA participation statistic. Use the hub sentence only when its cohort matches the figure being discussed.
Use the result permalink for the same hypothetical state, premium, age, and deferral inputs. Current availability can change, so cite the data date when it is present.