5-Year MYGA Rates: The Full Market Table

Every visible 5-year multi-year guaranteed annuity rate in the live CANNEX feed - 221 rates across 62 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.

7.45%

Top 5-year rate

5.13%

Market average

5.15%

Median rate

221

Rates listed

Today's top 5-year rate: 7.45% from Atlantic Coast Life (AM Best B).

Full market

All 5-year MYGA rates, filterable

The complete 5-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 5-year MYGA rates.

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Showing 221 of 221 5-year MYGA rates.

#	Carrier	Product	5-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.45% first year / 6.45% renewal	7.45%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.35% first year / 6.35% renewal	7.35%	B	Varies
3	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.65% first year / 5.65% renewal	6.65%	B	Varies
5	Knighthead Life	StaysailFlat rate	6.45%	A-	$100,000+
6	Knighthead Life	StaysailFlat rate	6.35%	A-	$100,000+
7	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.30%	B+	Varies
8	Wichita National Life Insurance	Security MYGAFlat rate	6.25%	B+	Varies
9	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
11	Canvas Annuity	Canvas Future FundFlat rate	6.10%	B++	Varies
12	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
13	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
14	American Life & Security Corp	American ClassicStep schedule: 6.05% first year / 5.45% renewal	6.05%	B++	Varies
15	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
16	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.05%	B+	Varies
17	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
18	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.00% first year / 4.00% renewal	6.00%	A+	Varies
19	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.00%	B++	Varies
20	Revol One Financial	DirectGrowth MYGAFlat rate	6.00%	B++	Varies
21	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	6.00%	B++	Varies
22	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
23	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.95% first year / 3.95% renewal	5.95%	A+	Varies
24	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
25	Knighthead Life	StaysailFlat rate	5.90%	A-	$100,000+
26	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.90%	B++	Varies
27	Revol One Financial	DirectGrowth MYGAFlat rate	5.90%	B++	Varies
28	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.90%	B++	Varies
29	Mountain Life Insurance Company	Secure SummitFlat rate	5.90%	B+	Varies
30	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.85%	A-	$100,000+
31	Axonic Insurance Services	Waypoint MYGAFlat rate	5.80%	A-	$100,000+
32	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
33	Revol One Financial	DirectGrowth MYGAFlat rate	5.80%	B++	Varies
34	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
35	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.80%	B++	Varies
36	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
37	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
38	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.70%	B++	Varies
39	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.65%	A-	$100,000+
40	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
41	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
42	Mountain Life Insurance Company	Secure SummitFlat rate	5.65%	B+	Varies
43	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
44	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
45	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.55%	A-	$100,000+
46	Axonic Insurance Services	Incline MYGAFlat rate	5.55%	A-	$100,000+
47	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.50%	A+	Varies
48	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.50%	A+	Varies
49	AuguStar Financial	LunarLock MYGAFlat rate	5.50%	A	$100,000+
50	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.50%	A	$100,000+
51	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.50%	A-	$75,000+
52	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.50%	B++	Varies
53	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
54	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.50%	B++	Varies
55	Lincoln Financial	Lincoln SelectFlat rate	5.45%	A	$100,000+
56	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.45%	A	Varies
57	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.45%	A-	$100,000+
58	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.45%	A-	$100,000+
59	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.45%	A-	$100,000+
60	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
61	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.40%	A+	$100,000+
62	AuguStar Financial	LunarLock MYGAFlat rate	5.40%	A	$100,000+
63	AuguStar Financial	LunarLock PrimeFlat rate	5.40%	A	$100,000+
64	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.40%	A	$100,000+
65	Delaware Life	Apex MYGAFlat rate	5.40%	A-	$100,000+
66	Delaware Life	Pinnacle Plus MYGAFlat rate	5.40%	A-	$100,000+
67	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.40%	A-	$100,000+
68	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.40%	B++	Varies
69	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.40%	B++	Varies
70	Protective Life Insurance Company	SecureSaverFlat rate	5.35%	A+	$75,000+
71	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.35%	A+	$100,000+
72	Symetra Life Insurance Company	Select MaxFlat rate	5.35%	A	$100,000 - $250,000
73	Oxford Life Insurance Company	Multi SelectFlat rate	5.35%	A	Varies
74	Delaware Life	Apex ControlFlat rate	5.35%	A-	$100,000+
75	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.35%	B++	Varies
76	Athene Annuity and Life Company	Athene MYGFlat rate	5.30%	A+	$100,000+
77	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.30%	A+	$100,000+
78	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.30%	A+	$100,000 - $250,000
79	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.30%	A+	$100,000+
80	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.30%	A+	Varies
81	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.30%	A	$100,000+
82	AuguStar Financial	LunarGuard MYGAFlat rate	5.30%	A	$100,000+
83	AuguStar Financial	LunarLock PrimeFlat rate	5.30%	A	$100,000+
84	American National Insurance Company	Palladium MYG MaxFlat rate	5.30%	A	$100,000 - $250,000
85	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.30%	A	$100,000+
86	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
87	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.30%	A-	$100,000+
88	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.30%	B++	Varies
89	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.25%	A+	$100,000+
90	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
91	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.25%	A	$100,000+
92	Athene Annuity and Life Company	Athene MYGFlat rate	5.20%	A+	$100,000+
93	Prudential Financial	Prudential WealthGuardFlat rate	5.20%	A+	$100,000+
94	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.20%	A	$100,000+
95	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.20%	A	$100,000+
96	Symetra Life Insurance Company	Select ProFlat rate	5.20%	A	$100,000 - $250,000
97	The Standard	Multi-Choice AnnuityFlat rate	5.20%	A	$100,000+
98	American National Insurance Company	Palladium MYGFlat rate	5.20%	A	$100,000 - $250,000
99	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
100	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
101	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
102	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.20%	B++	Varies
103	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.15%	A++	Varies
104	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.15%	A++	Varies
105	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.15%	A+	$100,000 - $500,000
106	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.15%	A	Varies
107	The Standard	Focused Growth AnnuityFlat rate	5.15%	A	$100,000+
108	The Standard	Multi-Choice AnnuityFlat rate	5.15%	A	$100,000+
109	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.15%	A	$100,000+
110	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 5.15% first year / 4.15% renewal	5.15%	A	$100,000+
111	American National Insurance Company	Palladium Match MYGFlat rate	5.15%	A	$100,000 - $250,000
112	Pacific Life Insurance Company	Pacific HarborFlat rate	5.10%	A+	Up to $200,000
113	The Standard	Multi-Choice AnnuityFlat rate	5.10%	A	$100,000+
114	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.10%	A	$100,000+
115	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.10%	A	$100,000+
116	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
117	Talcott Financial Group	EverStead MYGAFlat rate	5.10%	A-	$100,000 - $500,000
118	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.05%	A++	$100,000 - $1,000,000
119	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.05%	A+	$100,000 - $500,000
120	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 5.05% first year / 4.05% renewal	5.05%	A+	Varies
121	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.05%	A+	$100,000+
122	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.05%	A	$100,000+
123	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
124	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
125	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.00%	A++	$100,000+
126	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.00%	A++	Varies
127	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.00%	A++	Up to $250,000
128	Athene Annuity and Life Company	Athene MYGFlat rate	5.00%	A+	$100,000+
129	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.00%	A+	$100,000+
130	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.00% first year / 4.00% renewal	5.00%	A+	Varies
131	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.00%	A+	$100,000+
132	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.00%	A+	$100,000+
133	Corebridge Financial	First Choice 5Flat rate	5.00%	A	$100,000+
134	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.00%	A	$100,000+
135	Symetra Life Insurance Company	Select ProFlat rate	5.00%	A	$100,000 - $250,000
136	The Standard	Multi-Choice AnnuityFlat rate	5.00%	A	$100,000+
137	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.00%	A	$100,000+
138	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
139	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
140	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.00%	B++	Varies
141	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
142	Corebridge Financial	First Choice 5Flat rate	4.95%	A	$100,000+
143	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.95%	A	$100,000+
144	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.95%	A	$100,000+
145	Corebridge Financial	Foundation AnnuityFlat rate	4.95%	A	$100,000+
146	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.95%	A-	$100,000+
147	Pacific Life Insurance Company	Expedition IIFlat rate	4.90%	A+	$100,000+
148	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.90%	A	$100,000+
149	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.90%	A	$100,000+
150	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.90%	A-	$100,000+
151	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.85% first year / 4.10% renewal	4.85%	A+	Varies
152	Lincoln Financial	MyGuarantee PlusFlat rate	4.85%	A	$100,000+
153	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
154	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
155	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.85%	A-	$100,000+
156	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.84% first year / 1.10% renewal	4.84%	A-	Varies
157	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.80%	A+	$100,000+
158	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
159	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.80%	A+	$100,000+
160	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
161	Corebridge Financial	Foundation AnnuityFlat rate	4.80%	A	$100,000+
162	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
163	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
164	Pacific Life Insurance Company	Expedition IIFlat rate	4.75%	A+	$100,000+
165	Corebridge Financial	First Choice 5Flat rate	4.75%	A	$100,000+
166	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
167	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
168	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.70%	A++	$100,000 - $1,500,000
169	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	4.70%	A+	Varies
170	Corebridge Financial	First Choice 5Flat rate	4.70%	A	$100,000+
171	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.70%	A	$100,000+
172	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
173	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.70%	A-	$100,000+
174	SILAC Insurance Company	Secure Savings EliteFlat rate	4.69%	B+	Varies
175	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.65%	A++	$100,000+
176	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.65%	A++	$100,000 - $1,500,000
177	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	4.65%	A++	$100,000+
178	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	4.65%	A++	$100,000+
179	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
180	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
181	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
182	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
183	SILAC Insurance Company	Secure Savings EliteFlat rate	4.65%	B+	Varies
184	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	4.60%	A++	$100,000+
185	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.60%	A-	$100,000+
186	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
187	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.55%	A+	$100,000+
188	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
189	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
190	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
191	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.50%	A++	$100,000+
192	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.50%	A+	$100,000+
193	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
194	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.45%	A++	$100,000+
195	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
196	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.40%	A++	$100,000+
197	MassMutual Ascend Life Insurance Company	SecureGain 5Step schedule: 4.40% first year / 4.15% renewal	4.40%	A++	$100,000+
198	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.40%	A+	$100,000+
199	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.40%	A+	$100,000+
200	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
201	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
202	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
203	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.30%	A	$100,000 - $250,000
204	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
205	ELCO Mutual Life and Annuity	Guardian Eagle FlexFlat rate	4.25%	B++	Varies
206	MassMutual Ascend Life Insurance Company	SecureGain 5Step schedule: 4.20% first year / 3.95% renewal	4.20%	A++	$100,000+
207	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
208	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
209	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
210	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 4.10% first year / 3.10% renewal	4.10%	A	$100,000+
211	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
212	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.80%	A+	$100,000+
213	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
214	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
215	SILAC Insurance Company	Secure Savings EliteFlat rate	3.75%	B+	Varies
216	SILAC Insurance Company	Secure Savings EliteFlat rate	3.69%	B+	Varies
217	SILAC Insurance Company	Secure Savings EliteFlat rate	3.65%	B+	Varies
218	Nationwide Life Insurance Company	Platinum EdgeFlat rate	3.50%	A+	Varies
219	Investors Heritage	Heritage Builder AnnuityFlat rate	3.50%	B++	Varies
220	SILAC Insurance Company	Secure SavingsFlat rate	3.45%	B+	Varies
221	American National Insurance Company	Palladium MYGFlat rate	3.35%	A	$100,000 - $250,000

25th-75th percentile band: 4.75% to 5.45%. Lowest listed rate: 3.35%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 5-year MYGA rate index

6.26%+15 bps today

The MYGA 5-Year Rate Index averages the top 25 declared 5-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 5.13% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 4.67% → Jul 16, 2026: 4.98% · range 4.67%-4.98%

Broader movement across all terms and product types is tracked on rate changes.

Free Comparison Report

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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.

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MYGA rates by term

2-year MYGA ratesFull market table 3-year MYGA ratesFull market table 4-year MYGA ratesFull market table 6-year MYGA ratesFull market table 7-year MYGA ratesFull market table 10-year MYGA ratesFull market table

Best 5-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

5-year MYGA rates FAQ

What is a 5-year MYGA?

A 5-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 5-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 5-Year MYGA Rates page?

The best-rates page ranks the top 25 5-year products. This hub shows the full visible 5-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 221 5-year rates from the live feed.

Why do 5-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 5-year rate locked for the whole term?

Most 5-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 5-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.