Top 10 Annuities, ranked within one annuity category at a time
Find current leaders inside one honest cohort at a time: MYGA guaranteed rates, annual S&P 500 FIA caps, or FIA income metrics. The tool never pretends those different measurements are interchangeable.
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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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<iframe src="https://annuityrateshq.com/embed/top-10-annuities?mode=fia-growth&stateCode=TX&premium=250000" title="Top 10 Annuities by AnnuityRatesHQ" width="100%" height="780" loading="lazy" style="border:1px solid #e5e7eb;border-radius:8px;"></iframe>Ready-to-use examples
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Top 3-year MYGA rates for $100,000 in Florida
A live ranking of current 3-year guaranteed MYGA rates available for a hypothetical $100,000 premium in Florida.
See example resultTop 5-year MYGA rates for $250,000 in Texas
A live ranking of current 5-year guaranteed MYGA rates available for a hypothetical $250,000 premium in Texas.
See example resultTop 7-year MYGA rates for $500,000 in California
A live ranking of current 7-year guaranteed MYGA rates available for a hypothetical $500,000 premium in California.
See example resultTop 10-year MYGA rates for $1 million in New York
A live ranking of current 10-year guaranteed MYGA rates available for a hypothetical $1 million premium in New York.
See example resultTop annual S&P 500 FIA caps for $250,000 in Florida
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $250,000 FIA premium in Florida.
See example resultTop annual S&P 500 FIA caps for $250,000 in Texas
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $250,000 FIA premium in Texas.
See example resultTop annual S&P 500 FIA caps for $500,000 in California
A like-for-like ranking of current no-fee, one-year point-to-point S&P 500 cap rates for a hypothetical $500,000 FIA premium in California.
See example resultTop 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.
See example resultTop FIA lifetime withdrawal rates at age 55 after 10 years in Florida
A live comparison of FIA lifetime withdrawal-rate options for issue age 55, a 10-year deferral, and Florida availability.
See example resultTop FIA lifetime withdrawal rates at age 60 after 5 years in Texas
A live comparison of FIA lifetime withdrawal-rate options for issue age 60, a 5-year deferral, and Texas availability.
See example resultTop FIA lifetime withdrawal rates at age 65 with no deferral in California
A live comparison of FIA lifetime withdrawal-rate options for issue age 65, no deferral, and California availability.
See example resultTop FIA lifetime withdrawal rates at age 62 after 10 years in New York
A live comparison of FIA lifetime withdrawal-rate options for issue age 62, a 10-year deferral, and New York availability.
See example resultMethodology
How this ranking is built
Source. Product and rate values come from current CANNEX data delivered through AdvisorWorld.
Cadence and freshness. Current data refreshes regularly. A source date appears only when the source supplies a verified refresh date; this page never substitutes the time you view it.
Formula. Eligible products are sorted from highest to lowest on the named metric, then capped at ten. The ranking is always within one cohort: MYGA declared rates, annual S&P 500 FIA point-to-point caps, or FIA income metrics.
Rate checks. MYGA “best rate” values must remain inside the displayable 2%–9% band. Products from a different annuity category and implausible rates are excluded rather than shown.
Stable current statistics. For dated market context that can be cited independently of this scenario, use the statistics hub’s 5-year MYGA top-rate statistic and annual S&P 500 FIA cap statistic. Each copied citation includes an immutable as-of JSON verification URL; no FIA-income percentage is substituted for an accumulation statistic.
How to cite this tool
A source line readers can verify
Suggested citation: “AnnuityRatesHQ, Top 10 Annuities, CANNEX data via AdvisorWorld, feed freshness unavailable, accessed at annuityrateshq.com/top-10-annuities.” Link to the result permalink when citing a particular mode and scenario.
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Rates, product families, and recent changes
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ExploreBest annuity rates
See current rate leaders and comparison context.
ExploreMYGA rates
Compare declared guaranteed rates and terms.
ExploreFixed indexed annuities
Research FIA accumulation and income mechanics.
ExploreRate changes
Track recent movement in the live feeds.
ExploreTypes of annuities
Understand what belongs in each product family.
ExploreFixed index annuity guide
Read how FIA caps and participation rates work.
ExploreSurrender charges
Check the liquidity tradeoff behind a headline metric.
ExploreEducational comparison only. Product availability, rates, caps, participation rates, rider terms, and guarantees can change and vary by state. Guarantees are backed by the issuing insurer.