Top annual S&P 500 FIA caps for $1 million in New York
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $1 million FIA premium in New York.
annual S&P 500 FIA cap scenario for a $1,000,000 hypothetical premium in NY.
Fixed indexed annuity accumulation cohort
Top FIA annual-cap annuities for this scenario
Ranked only within the no-fee, annual S&P 500 one-year point-to-point FIA accumulation cohort, using each product's current cap. MYGA guaranteed rates and FIA income metrics are not part of this ranking.
| Rank | Carrier and product | A.M. Best | Live ranking metric |
|---|---|---|---|
| 1 | Safe Solution S.USA Life Insurance Company Inc. FIA cohort | A- | 8.5% Annual S&P 500 cap · 1-year point-to-point |
| 2 | IndexFlex Fixed Annuity - FP Series New York Life Insurance and Annuity Corporation (NYLIAC) FIA cohort | A++ | 8% Annual S&P 500 cap · 1-year point-to-point |
| 3 | Power Index 5 NY Corebridge Financial FIA cohort | A | 8% Annual S&P 500 cap · 1-year point-to-point |
| 4 | Power Index Premier NY Corebridge Financial FIA cohort | A | 8% Annual S&P 500 cap · 1-year point-to-point |
| 5 | ASIA Plus American National Insurance Company FIA cohort | A | 7% Annual S&P 500 cap · 1-year point-to-point |
| 6 | FGNY Index-Choice 10 Fidelity and Guaranty FIA cohort | A | 6.5% Annual S&P 500 cap · 1-year point-to-point |
| 7 | Protective Indexed Annuity NY Protective Life Insurance Company FIA cohort | A+ | 5.65% Annual S&P 500 cap · 1-year point-to-point |
Rank is limited to the selected product family and scenario. Products with implausible values or a mismatched or unverified family are excluded from this table.
Rates, caps, and product availability can change and vary by state, premium band, issue age, product, and contract terms. Figures reflect the data date shown with the result. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only—not financial, investment, insurance, or tax advice, a quote, or a carrier-approved illustration.
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Methodology note
This prepared answer uses current CANNEX data delivered through AdvisorWorld. Products are ranked only within the scenario’s selected family and metric; MYGA guaranteed rates are never compared with FIA caps, participation rates, or income metrics.
Data date: July 16, 2026. A date appears only when the source supplies a verified refresh date; the time you view the page is never substituted.
Stable current context: cite the statistics hub’s annual S&P 500 FIA cap statistic. The hub and this ranking use the same guarded FIA cap cohort where their filters overlap.
How to cite this scenario
Cite “AnnuityRatesHQ, Top annual S&P 500 FIA caps for $1 million in New York, CANNEX data via AdvisorWorld” and link directly to this page. Include the visible feed-freshness label and the exact ranking metric in any quoted figure.