Fixed-Indexed Annuity Caps & Crediting
Published educational benchmarks. Not a quote, offer or recommendation.
No current approved weekly range is available. No estimated rates are shown.
Frequently asked questions
What do fixed-indexed annuity caps & crediting show?
Caps, participation rates, fixed-account rates and spreads describe different crediting methods. They are not guaranteed investment returns.
How do MYGA rates compare with CDs and Treasuries?
Current comparable MYGA observations are not available. Insurer guarantees differ from government-backed Treasury obligations and FDIC-insured bank deposits.
Why do lower-rated carriers pay more?
Higher rates from lower-rated carriers can reflect differences in financial strength and pricing. A higher yield can involve accepting different insurer credit risk; it is not a recommendation.
Do annuity rates differ by state?
Yes. Availability and contract terms vary by state, insurer, premium, issue age and product. Aggregate ranges are not a state-specific offer.
Does a benchmark mean I should replace an annuity?
No. Surrender charges, bonus recapture, riders, taxes and access needs can outweigh a rate difference. Review your actual contract with a licensed professional.
Educational reference only. A rate difference alone is not a reason to buy, surrender or replace an annuity. Review surrender charges, riders, taxes and liquidity with a licensed professional.