Today's Indexed Annuity Rates

Compare current fixed indexed annuity and MYGA rates from A-rated carriers. Rates updated March 2026 — contact us for personalized, carrier-specific quotes.

Fixed Indexed Annuity (FIA) Rates

FIA rates are expressed as annual cap rates — the maximum interest you can earn in a given year based on index performance.

Carrier	Product	S&P 500 Cap	Floor	Term	AM Best
MassMutual Ascend	WealthChoice 7 (7-yr)	Up to 10.25% S&P 500	0%	7 Years	A++
Nationwide	American Legend 7 (7-yr)	Up to 10.00% S&P 500	0%	7 Years	A+
Sagicor	Sage Accumulator 7 (7-yr)	Up to 10.50% S&P 500	0%	7 Years	A-
TopAmerican Equity	AssetShield 10 (10-yr)	Up to 12.00% S&P 500	0%	10 Years	A
Fidelity & Guaranty	FG AccumulatorPlus 10 (10-yr)	Up to 11.50% S&P 500	0%	10 Years	A
Delaware Life	Peak 10 (10-yr)	Up to 9.50% S&P 500	0%	10 Years	A-

MYGA (Multi-Year Guaranteed) Rates

MYGAs offer a guaranteed fixed interest rate for the entire term — similar to a CD but with tax-deferred growth and typically higher rates.

Carrier	Term	Guaranteed Rate	Tax Treatment	AM Best
Mountain Life	3 Years	6.00%	Tax-Deferred	A-
BestAmerican National	5 Years	5.35%	Tax-Deferred	A
Midland National	5 Years	5.00%	Tax-Deferred	A+
American National	7 Years	5.35%	Tax-Deferred	A
Global Atlantic	1 Year	6.00%	Tax-Deferred	A

Rates as of March 2026. Rates are subject to change without notice and may not be available in all states. Minimum premium requirements apply. Fixed indexed annuities are insurance products, not securities or bank deposits. They are not FDIC insured. Past index performance does not guarantee future interest credits. Contact us for current, carrier-specific illustrations tailored to your situation.

What You Need to Know About FIA Rates

Cap Rate

The maximum interest you can earn in a given year based on index performance. If the index gains 15% and your cap is 10%, you earn 10%.

Participation Rate

Some FIAs use a participation rate instead of a cap. If the index gains 20% and your participation rate is 60%, you earn 12%.

Floor (0%)

If the index loses value, your account earns 0% — not a negative return. Your principal is always protected.

Crediting Strategy

Most FIAs offer multiple index options and crediting strategies. We'll help you choose the right combination for your goals.

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