4-Year MYGA Rates: The Full Market Table
Every visible 4-year multi-year guaranteed annuity rate in the live CANNEX feed - 50 rates across 20 carriers, as of July 16, 2026. Ranked by guaranteed rate with AM Best ratings and premium bands, so mid-market and low-end rates are visible, not just the top of the leaderboard.
6.05%
Top 4-year rate
4.67%
Market average
4.60%
Median rate
50
Rates listed
Today's top 4-year rate: 6.05% from Mountain Life Insurance Company (AM Best B+).
All 4-year MYGA rates, filterable
The complete 4-year table at a $100,000 premium, as of July 16, 2026. Filter by minimum AM Best rating or carrier. For state- and premium-specific results, use the MYGA rate finder; for the ranked shortlist, see best 4-year MYGA rates.
Showing 50 of 50 4-year MYGA rates.
25th-75th percentile band: 4.35% to 4.95%. Lowest listed rate: 3.25%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.
The 4-year MYGA rate index
The MYGA 4-Year Rate Index averages the top 25 declared 4-year guaranteed rates in the CANNEX feed under the index's own premium scenario, so it tracks the competitive top of the market rather than the whole-market average of 4.67% computed from the table above. Daily values and movement come from the Annuity Rate Index.
Mar 18, 2026: 4.40% → Jul 16, 2026: 4.62% · range 4.40%-4.68%
Broader movement across all terms and product types is tracked on rate changes.
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See current rates for your state, premium, and age in a personalized comparison - including premium bands not shown at the $100,000 default.
MYGA rates by term
4-year MYGA rates FAQ
What is a 4-year MYGA?
A 4-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 4-year guarantee period. The rate shown is a guaranteed fixed rate, not a cap, participation rate, or illustration.
How is this different from the Best 4-Year MYGA Rates page?
The best-rates page ranks the top 25 4-year products. This hub shows the full visible 4-year market from the CANNEX feed - including mid-pack and low-end rates - with distribution stats so you can see where any quote falls. This page currently lists 50 4-year rates from the live feed.
Why do 4-year MYGA rates differ so much across carriers?
Carriers price MYGA rates by financial-strength position, premium band, state approvals, and rate schedule. A higher rate often comes from a lower AM Best rated carrier, which is why the rating appears beside every rate in the table.
Is the 4-year rate locked for the whole term?
Most 4-year MYGAs credit one flat guaranteed rate for the full guarantee period. Some products use a step schedule with a different first-year rate; those products are labeled with their schedule in the table instead of being shown as a flat rate.
Are these rates FDIC insured?
No. MYGA guarantees are backed by the issuing insurance carrier's claims-paying ability, not FDIC insurance. State guaranty associations provide separate, limited coverage that varies by state.
Sources and data: all 4-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of July 16, 2026, at a $100,000 premium with no state filter. The rate index is computed from the same data and averages top declared rates only. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.