Market Data

Today's Annuity Rates

Best-available cap rates for fixed indexed annuities and guaranteed rates for multi-year guaranteed annuities (MYGAs), sourced from public carrier filings and industry aggregators. Updated April 13, 2026.

Last updated: April 13, 2026 · Rates change weekly — verify with your carrier or advisor before acting.

Fixed Indexed Annuity — Best S&P 500 Cap Rates by Term

Term	Best Cap Rate	Leading Carrier	AM Best	Notes
3-Year	8.75%	United of Omaha (Mutual of Omaha)	A+	—
5-Year	10.50%	Axonic Insurance Services	A-	—
6-Year	7.85%	Americo Financial Life	A	—
7-Year	10.50%	Axonic Insurance Services	A-	—
8-Year	9.30%	Midland National Life	A+	↑ 0.75% this week
9-Year	10.25%	S.USA Life Insurance	A-	—
10-Year	10.50%	American Life & Security Corp	B++	Top rate
12-Year	7.75%	North American Co. for Life & Health	A+	—
15-Year	7.00%	Athene Annuity and Life	A+	—

Source: annuity.org FIA rate tracker · S&P 500 annual point-to-point crediting method · Rates subject to change without notice.

Multi-Year Guaranteed Annuity (MYGA) Rates

MYGAs offer a fixed, guaranteed interest rate for a set term — similar to a CD but tax-deferred. Rates below reflect best-available carrier offerings for $100,000+ premium tiers.

Term	Rate	Carrier	Product	AM Best
1-Year	6.00%	Global Atlantic	ForeCare Fixed Annuity (LTC)	A
2-Year	5.50%	Axonic Insurance Services	Skyline MYGA	A-
3-Year	6.00%	Mountain Life Insurance	Alpine Horizon	B+
5-Year	6.45%	Atlantic Coast Life	Safe Harbor Bonus Guarantee	B+
7-Year	6.90%	Atlantic Coast Life	Safe Harbor Bonus Guarantee	B+
10-Year	7.65%	Atlantic Coast Life	Safe Harbor Bonus Guarantee	B+

Source: RetireGuide, immediateannuities.com · Rates are current as of April 13, 2026 · Verify directly with carrier.

Cap Rate vs. Credited Return: the number that actually matters

A cap rate is the upper bound — what your annuity could credit in a strong year. The credited return is what your contract actually delivers once the indexing method, participation rate, and spread are applied. Two contracts with the same cap rate can produce very different results in the same market.

Model a cap rate historically →

Rates shown are illustrative of best-available market conditions and are compiled from public aggregators including annuity.org and RetireGuide. They do not represent specific product offers and are not guaranteed. Annuity rates reset periodically and can change without notice. This page is for informational purposes only and does not constitute financial advice. Always consult a licensed financial professional before purchasing an annuity.