Current Market Benchmarks
Current annuity & fixed-income rates.
Reference ranges for MYGA guaranteed rates, fixed-indexed annuity crediting parameters, and Treasury benchmarks. Provided for context alongside your Annuity Position Score.
VERIFY — live feed pending
Multi-Year Guaranteed Annuities (MYGA)
Fixed rate guaranteed for a set term.
Product / Benchmark
Range
Notes
3-Year MYGA
Range4.75% – 5.60%
Guaranteed fixed rate, 3-year surrender period.
5-Year MYGA
Range5.10% – 6.00%
Most common MYGA term; rate locked for full term.
7-Year MYGA
Range5.20% – 6.10%
Longer lock; carrier and credit quality vary.
10-Year MYGA
Range5.25% – 6.15%
Longest common MYGA lock; check surrender schedule.
Fixed-Indexed Annuities (FIA)
Index-linked crediting; principal protected from index loss.
Product / Benchmark
Range
Notes
S&P 500 Annual Point-to-Point Cap
Range8.00% – 12.00%
Upside capped; principal protected from index loss.
S&P 500 Participation Rate
Range35% – 70%
Percentage of index gain credited, often uncapped.
Fixed Account (inside FIA)
Range3.50% – 5.25%
Optional fixed bucket within an indexed contract.
Volatility-Controlled Index Spread
Range1.00% – 3.50%
Spread subtracted from index return before crediting.
Treasury Benchmarks
Risk-free rates for duration-matched comparison.
Product / Benchmark
Range
Notes
1-Year Treasury
Range4.10% – 4.90%
Short-duration risk-free benchmark.
3-Year Treasury
Range3.90% – 4.70%
Comparable duration to 3-year MYGA.
5-Year Treasury
Range3.85% – 4.65%
Comparable duration to 5-year MYGA.
10-Year Treasury
Range3.95% – 4.75%
Long-duration benchmark; drives insurer pricing.
Rates shown are current market benchmarks for context only — not an offer or a quote for any specific product. Actual carrier rates vary by state, contract term, premium band, issue age, and rider election. Live rate feed integration is pending; ranges are refreshed periodically until connected.