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Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
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Build a transparent three-sleeve annuity allocation using current MYGA, FIA accumulation, and FIA income-rider data—without pretending unlike contract metrics are one score.
Three sleeves · unlike metrics stay separate
The guaranteed rate, FIA cap, and rider withdrawal rate below are not interchangeable returns. Each comes from current CANNEX data checked for the matching annuity type.
MYGA fixed-rate sleeve
7.45%
5-year guaranteed rate
Simplified first-year interest
$18,625
Allocation × current guaranteed annual rate. This is an educational one-year calculation, not a carrier illustration or surrender-value quote.
Current selection: Atlantic Coast Life · Safe Harbor Bonus Guarantee
A.M. Best rating: B
Data date: July 16, 2026
FIA accumulation sleeve
12%
No-fee annual S&P 500 one-year point-to-point cap
User-hypothetical one-year credit
8% · $20,000
Uses your 8% hypothetical S&P 500 price change, floored at 0% and limited by the live cap. Dividends are excluded. Contract terms control actual credits.
Current selection: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA
A.M. Best rating: A++
Data date: July 16, 2026
FIA income sleeve
12.8%
Lifetime withdrawal rate at age 60 after 10 years
User-hypothetical annual withdrawal
$64,000
Your hypothetical $500,000 income base × live withdrawal rate. An income base is not cash value or premium; actual bases require product-specific rider mechanics and fees.
Current selection: Allianz Life Insurance Company of North America · Retirement Foundation ADV
A.M. Best rating: A+
Data date: July 16, 2026
Hypothetical first-year accumulation credits
$38,625
MYGA interest plus the simplified FIA index credit. This excludes the income-rider withdrawal because a withdrawal is not investment growth.
Allocation check
25% MYGA · 25% FIA growth · 50% FIA income
Data source: CANNEX via AdvisorWorld. The report date is the oldest data date among the sections shown above: July 16, 2026.
Rates vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing insurer’s claims-paying ability—not FDIC-insured.
Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm current state availability, contract terms, fees, crediting details, and rider mechanics before acting.
The URL preserves every input so another reader can rerun the calculation. Current product values may refresh; this link is not a frozen record or immutable citation.
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Each example uses the same current data checked for the matching annuity type and appears only when a complete answer is available.
A current three-sleeve example allocating $625,000 across 40% MYGA, 40% FIA growth, and 20% FIA income, with each live contract metric kept separate.
See a second Texas example using 40% MYGA, 40% FIA growth, and 20% FIA income, a user-assumed 8% one-year S&P 500 change, and a user-entered $100,000 hypothetical income base.
A current three-sleeve example allocating $1,000,000 across 25% MYGA, 25% FIA growth, and 50% FIA income, with each live contract metric kept separate.
See a second Texas example using 25% MYGA, 25% FIA growth, and 50% FIA income, a user-assumed 12% one-year S&P 500 change, and a user-entered $400,000 hypothetical income base.
A current three-sleeve example allocating $1,250,000 across 20% MYGA, 20% FIA growth, and 60% FIA income, with each live contract metric kept separate.
See a second Texas example using 20% MYGA, 20% FIA growth, and 60% FIA income, a user-assumed 16% one-year S&P 500 change, and a user-entered $600,000 hypothetical income base.
A current three-sleeve example allocating $2,500,000 across 10% MYGA, 10% FIA growth, and 80% FIA income, with each live contract metric kept separate.
See a second Texas example using 10% MYGA, 10% FIA growth, and 80% FIA income, a user-assumed 0% one-year S&P 500 change, and a user-entered $1,600,000 hypothetical income base.
Methodology
Source. Current CANNEX observations are delivered through AdvisorWorld.
Category and rate checks. MYGA and FIA products are kept separate and checked using the rules for that annuity category. MYGA rates outside the displayable range, mismatched annuity categories, implausible FIA caps, and unverified FIA-income choices are excluded.
Like-for-like selection. The MYGA sleeve uses one selected term and premium. The FIA growth sleeve uses only no-fee annual S&P 500 one-year point-to-point caps. The FIA income sleeve uses an age- and deferral-matched lifetime withdrawal-rate selection. The three metrics are never averaged.
Formula notes. Simplified MYGA interest equals allocated dollars × live guaranteed annual rate. FIA credit equals allocated dollars × min(max(user index assumption, 0), live cap), excluding dividends. Hypothetical rider withdrawal equals the user-entered income base × live withdrawal rate. These are educational calculations, not carrier illustrations.
Freshness. Current data refreshes every 10 minutes. Dates come only from verified feed freshness; the time you view the page is never shown as a data date.
Sharing
The permalink preserves the portfolio allocation and hypothetical inputs. Current product selections, rates, caps, rider mechanics, and dates may change when the page refreshes, so the URL is not a frozen record or immutable citation.
When discussing the live result, call each percentage by its displayed mechanic and data date; do not relabel the withdrawal rate as a return or the cap as a guaranteed credit.
Review dated market coverage contextNo. A MYGA guaranteed rate, an FIA index cap, and an FIA rider withdrawal rate describe different contract mechanics. The report keeps them in separate sleeves and never averages or sums them into a performance claim.
Carrier, product, MYGA rate, FIA cap, FIA withdrawal rate, and data dates come from current CANNEX data via AdvisorWorld. Portfolio allocations, assumed index return, hypothetical income base, and the resulting educational dollar calculations are user inputs or formulas applied to those inputs.
It uses products verified as fixed indexed annuities and limits the selection to no-fee annual S&P 500 one-year point-to-point cap strategies. Participation, monthly, fee-based, RILA, and implausible strategies are excluded.
No. An income base is a rider accounting value, not cash value or necessarily premium. The user-entered hypothetical base only demonstrates withdrawal-rate arithmetic; actual bases require source-backed product and rider terms.
The page displays an honest partial or unavailable state. It does not insert a default rate, fabricate a carrier, or publish an empty static scenario as an answered page.
Current data refreshes every 10 minutes. A visible as-of date appears only when CANNEX supplies a verified refresh date; the time you view the page is never substituted.
Continue researching
Compare guaranteed rates and terms without mixing in FIA mechanics.
Review caps, participation rates, and income-rider data in their proper categories.
Compare lifetime withdrawal rates and disclosed rider fees for verified fixed indexed annuities.
Understand how fixed-rate, indexed accumulation, and income mechanics differ.