7-Year MYGA Rates: The Full Market Table

Every visible 7-year multi-year guaranteed annuity rate in the live CANNEX feed - 197 rates across 55 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.

7.90%

Top 7-year rate

5.11%

Market average

5.15%

Median rate

197

Rates listed

Today's top 7-year rate: 7.90% from Atlantic Coast Life (AM Best B).

Full market

All 7-year MYGA rates, filterable

The complete 7-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 7-year MYGA rates.

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Showing 197 of 197 7-year MYGA rates.

#	Carrier	Product	7-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.90% first year / 6.90% renewal	7.90%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.85% first year / 6.85% renewal	7.85%	B	Varies
3	Knighthead Life	StaysailFlat rate	6.80%	A-	$100,000+
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.75% first year / 5.75% renewal	6.75%	B	Varies
5	Knighthead Life	StaysailFlat rate	6.70%	A-	$100,000+
6	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
7	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
8	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 6.20% first year / 4.20% renewal	6.20%	A	$100,000+
9	Canvas Annuity	Canvas Future FundFlat rate	6.20%	B++	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
11	Knighthead Life	StaysailFlat rate	6.15%	A-	$100,000+
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	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	6.05%	A-	$100,000+
15	Knighthead Life	StaysailFlat rate	6.05%	A-	$100,000+
16	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
17	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
18	Revol One Financial	DirectGrowth MYGAFlat rate	6.00%	B++	Varies
19	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
20	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.95%	B++	Varies
21	Wichita National Life Insurance	Security MYGAFlat rate	5.95%	B+	Varies
22	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
23	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.90% first year / 3.90% renewal	5.90%	A+	Varies
24	Revol One Financial	DirectGrowth MYGAFlat rate	5.90%	B++	Varies
25	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.90%	B++	Varies
26	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.85% first year / 3.85% renewal	5.85%	A+	Varies
27	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.85%	B++	Varies
28	Revol One Financial	DirectGrowth MYGAFlat rate	5.80%	B++	Varies
29	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
30	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.80%	B++	Varies
31	Mountain Life Insurance Company	Secure SummitFlat rate	5.75%	B+	Varies
32	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.70%	A-	$100,000+
33	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
34	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.60%	A-	$100,000+
35	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.60%	A-	$75,000+
36	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.60%	B++	Varies
37	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.60%	B++	Varies
38	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
39	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.55%	A-	$100,000+
40	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.55%	B++	Varies
41	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.50%	A	$100,000+
42	Oxford Life Insurance Company	Multi SelectFlat rate	5.50%	A	Varies
43	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.50%	A	Varies
44	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.50%	A-	$100,000+
45	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.50%	A-	$100,000+
46	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
47	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
48	Mountain Life Insurance Company	Secure SummitFlat rate	5.50%	B+	Varies
49	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.45%	A	$100,000+
50	AuguStar Financial	LunarLock MYGAFlat rate	5.45%	A	$100,000+
51	Delaware Life	Apex MYGAFlat rate	5.45%	A-	$100,000+
52	Delaware Life	Pinnacle Plus MYGAFlat rate	5.45%	A-	$100,000+
53	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.45%	A-	$100,000+
54	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.45%	B++	Varies
55	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.40%	A+	$100,000+
56	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.40%	A+	Varies
57	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.40%	A+	Varies
58	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.40%	A	$100,000+
59	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.40%	A	$100,000+
60	American National Insurance Company	Palladium MYG MaxFlat rate	5.40%	A	$100,000 - $250,000
61	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.40%	A	$100,000+
62	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.40%	A-	$100,000+
63	Delaware Life	Apex ControlFlat rate	5.40%	A-	$100,000+
64	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
65	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.35%	A++	Varies
66	Athene Annuity and Life Company	Athene MYGFlat rate	5.35%	A+	$100,000+
67	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.35%	A+	$100,000+
68	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.35%	A+	Varies
69	Symetra Life Insurance Company	Select MaxFlat rate	5.35%	A	$100,000 - $250,000
70	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.35%	A	$100,000+
71	AuguStar Financial	LunarLock MYGAFlat rate	5.35%	A	$100,000+
72	AuguStar Financial	LunarLock PrimeFlat rate	5.35%	A	$100,000+
73	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.35%	B++	Varies
74	American National Insurance Company	Palladium MYGFlat rate	5.30%	A	$100,000 - $250,000
75	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.30%	A	$100,000+
76	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
77	Protective Life Insurance Company	SecureSaverFlat rate	5.25%	A+	$75,000+
78	Athene Annuity and Life Company	Athene MYGFlat rate	5.25%	A+	$100,000+
79	Prudential Financial	Prudential WealthGuardFlat rate	5.25%	A+	$100,000+
80	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.25%	A	$100,000+
81	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.25%	A	$100,000+
82	American National Insurance Company	Palladium Match MYGFlat rate	5.25%	A	$100,000 - $250,000
83	AuguStar Financial	LunarLock PrimeFlat rate	5.25%	A	$100,000+
84	Axonic Insurance Services	Incline MYGAFlat rate	5.25%	A-	$100,000+
85	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.20%	A++	$100,000 - $1,000,000
86	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.20%	A+	$100,000 - $500,000
87	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.20%	A+	$100,000 - $250,000
88	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.20%	A+	$100,000+
89	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.20%	A+	$100,000+
90	Symetra Life Insurance Company	Select ProFlat rate	5.20%	A	$100,000 - $250,000
91	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.20%	A	Varies
92	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.20%	A	$100,000+
93	American National Insurance Company	WealthQuest Citadel 7 DiamondStep schedule: 5.20% first year / 3.20% renewal	5.20%	A	$100,000+
94	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
95	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
96	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.20%	A-	$100,000+
97	Talcott Financial Group	EverStead MYGAFlat rate	5.20%	A-	$100,000 - $500,000
98	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.15%	A-	$100,000+
99	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.15%	A-	$100,000+
100	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.10%	A+	$100,000 - $500,000
101	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.10%	A+	$100,000+
102	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.10%	A+	$100,000+
103	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.10%	A+	$100,000+
104	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	5.10%	A	$100,000+
105	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	5.10%	A	$100,000+
106	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
107	AuguStar Financial	LunarGuard MYGAFlat rate	5.10%	A	$100,000+
108	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.10%	A-	$100,000+
109	Athene Annuity and Life Company	Athene MYGFlat rate	5.05%	A+	$100,000+
110	Lincoln Financial	Lincoln SelectFlat rate	5.05%	A	$100,000+
111	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
112	Symetra Life Insurance Company	Select ProFlat rate	5.05%	A	$100,000 - $250,000
113	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.05%	A	$100,000+
114	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
115	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.05%	A-	$100,000+
116	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.00%	A+	$100,000+
117	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.00%	A+	$100,000+
118	Lincoln Financial	MyGuarantee PlusFlat rate	5.00%	A	$100,000+
119	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.00%	A	$100,000+
120	The Standard	Focused Growth AnnuityFlat rate	5.00%	A	$100,000+
121	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
122	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
123	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.00%	A-	$100,000+
124	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.00%	B++	Varies
125	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	5.00%	B++	Varies
126	NexAnnuity	Nex MYGAFlat rate	5.00%	B+	Varies
127	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 4.95% first year / 3.95% renewal	4.95%	A+	Varies
128	Pacific Life Insurance Company	Expedition IIFlat rate	4.95%	A+	$100,000+
129	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	4.95%	A+	Varies
130	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
131	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.95%	A	$100,000+
132	The Standard	Multi-Choice AnnuityFlat rate	4.95%	A	$100,000+
133	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.95%	A-	$100,000+
134	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.94% first year / 1.20% renewal	4.94%	A-	Varies
135	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 4.90% first year / 3.90% renewal	4.90%	A+	Varies
136	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.90%	A	$100,000 - $249,999
137	The Standard	Multi-Choice AnnuityFlat rate	4.90%	A	$100,000+
138	The Standard	Multi-Choice AnnuityFlat rate	4.85%	A	$100,000+
139	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.85%	A	$100,000+
140	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
141	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
142	NexAnnuity	Nex MYGAFlat rate	4.85%	B+	Varies
143	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.80%	A++	$100,000 - $1,500,000
144	Pacific Life Insurance Company	Expedition IIFlat rate	4.80%	A+	$100,000+
145	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
146	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
147	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.80%	A-	$100,000+
148	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
149	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
150	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.75%	A++	$100,000+
151	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.75%	A++	$100,000 - $1,500,000
152	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	4.75%	A	$100,000+
153	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
154	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
155	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.75%	A-	$100,000+
156	MassMutual Ascend Life Insurance Company	American Freedom Aspire 7Flat rate	4.70%	A++	$100,000+
157	MassMutual Ascend Life Insurance Company	SecureGain 7 - 2025Flat rate	4.70%	A++	$100,000+
158	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.70%	A+	$100,000+
159	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.70%	A-	$100,000+
160	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
161	NexAnnuity	Nex MYGAFlat rate	4.70%	B+	Varies
162	MassMutual Ascend Life Insurance Company	American Freedom Classic 7 - 2025Flat rate	4.65%	A++	$100,000+
163	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
164	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
165	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
166	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.60%	A++	$100,000+
167	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.60%	A-	$100,000+
168	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.55%	A++	$100,000+
169	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.55% first year / 3.55% renewal	4.55%	A++	$100,000+
170	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.55% first year / 3.80% renewal	4.55%	A+	Varies
171	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
172	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
173	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.50%	A++	$100,000+
174	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
175	MassMutual Ascend Life Insurance Company	SecureGain 7Step schedule: 4.45% first year / 3.45% renewal	4.45%	A++	$100,000+
176	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
177	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
178	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.35%	A+	$100,000+
179	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
180	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.30%	A+	$100,000+
181	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.15%	A+	$100,000+
182	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.15%	A+	$100,000+
183	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
184	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.05%	A+	$100,000+
185	American National Insurance Company	Palladium MYGFlat rate	4.05%	A	$100,000 - $250,000
186	Nationwide Life Insurance Company	Platinum EdgeFlat rate	4.00%	A+	Varies
187	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
188	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
189	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
190	Investors Heritage	Heritage Builder AnnuityFlat rate	3.65%	B++	Varies
191	Protective Life Insurance Company	Income CreatorFlat rate	3.00%	A+	Varies
192	Protective Life Insurance Company	Income CreatorFlat rate	2.90%	A+	Varies
193	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.90%	A	Varies
194	Nationwide Life Insurance Company	Stable Income AnnuityFlat rate	2.60%	A+	Varies
195	Prudential Financial	Prudential Fixed AnnuityFlat rate	2.50%	A+	Varies
196	Corebridge Financial	Assured Edge AdvisoryFlat rate	2.50%	A	Varies
197	Corebridge Financial	Assured Edge Income BuilderFlat rate	2.00%	A	Varies

25th-75th percentile band: 4.80% to 5.45%. Lowest listed rate: 2.00%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 7-year MYGA rate index

6.31%+18 bps today

The MYGA 7-Year Rate Index averages the top 25 declared 7-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 5.11% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 4.72% → Jul 16, 2026: 4.93% · range 4.72%-4.96%

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 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 10-year MYGA ratesFull market table

Best 7-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

7-year MYGA rates FAQ

What is a 7-year MYGA?

A 7-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 7-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 7-Year MYGA Rates page?

The best-rates page ranks the top 25 7-year products. This hub shows the full visible 7-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 197 7-year rates from the live feed.

Why do 7-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 7-year rate locked for the whole term?

Most 7-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 7-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.