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Illustrative Benchmarks

Annuity & fixed-income benchmarks.

Illustrative reference ranges for MYGA guaranteed rates, fixed-indexed annuity crediting parameters, and Treasury benchmarks. Provided for educational context alongside your Annuity Position Score.

ILLUSTRATIVE RANGE — NOT LIVE

These are illustrative educational benchmark ranges, not live rates, quotes, or offers from any specific carrier. Actual rates and crediting terms vary by carrier, state, contract term, premium amount, issue age and product features.

Multi-Year Guaranteed Annuities (MYGA)

Illustrative ranges. Fixed rate guaranteed for a set term.

ILLUSTRATIVE RANGE — NOT LIVE
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)

Illustrative ranges. Index-linked crediting; principal protected from index loss.

ILLUSTRATIVE RANGE — NOT LIVE
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.

Illustrative Treasury Benchmark Ranges

Illustrative ranges shown for duration-matched comparison — not current U.S. Treasury yields.

ILLUSTRATIVE RANGE — NOT LIVE
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 illustrative benchmark ranges for educational 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 and is not currently connected.

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