Best FIA Cap Rates

Top S&P 500 annual point-to-point cap rates for fixed indexed annuities. Ranked by highest cap rate, updated daily from CANNEX.

Updated April 6, 2026 — 25 products ranked

#CarrierProductCap RatePart. RateAM Best
1Global Atlantic - Forethought Life Insurance CompanyForeAccumulation II Advisory13.00%100%A
2Americo Financial Life and Annuity Insurance CompanyOptiMark12.30%100%A
3Americo Financial Life and Annuity Insurance CompanyOptiMark LT12.30%100%A
4MassMutual Ascend Life Insurance CompanyIndex Protector 5 MVA12.00%100%A++
5The StandardEnhanced Choice Index Plus 712.00%100%A
6Global Atlantic - Forethought Life Insurance CompanyForeAccumulation II12.00%100%A
7EquiTrust Life Insurance CompanyMarketValue Index12.00%100%B++
8Americo Financial Life and Annuity Insurance CompanyGrowth Commander 1012.00%100%A
9North American Company for Life and Health InsuranceNAC Guaranteed Allocation12.00%100%A+
10Americo Financial Life and Annuity Insurance CompanyGrowth Commander 611.95%100%A
11American Equity Investment Life Insurance CompanyAmerican Equity AssetShield 911.75%100%A
12American Equity Investment Life Insurance CompanyAmerican Equity AssetShield 1011.75%100%A
13Security Benefit Life Insurance CompanyStrategic Growth Annuity11.75%100%A-
14Farmers Life Insurance CompanyFarmers Harvest11.75%100%B++
15The StandardEnhanced Choice Index Plus 511.50%100%A
16Corebridge FinancialPower Index Advisory11.25%100%A
17American Equity Investment Life Insurance CompanyAmerican Equity AssetShield 711.25%100%A
18Security Benefit Life Insurance CompanyStrategic Growth 711.25%100%A-
19American National Insurance CompanyStrategy Indexed Plus 1011.10%100%A
20Prudential FinancialPruSecure Advisor11.05%100%A+
21Athene Annuity and Life CompanyAthene Performance Elite 711.00%100%A+
22Athene Annuity and Life CompanyAthene Performance Elite 7 Plus11.00%100%A+
23EquiTrust Life Insurance CompanyMarketSeven Index11.00%100%B++
24American Equity Investment Life Insurance CompanyAmerican Equity AssetShield 510.75%100%A
25Fidelity and GuarantyFG AccumulatorPlus 1010.75%100%A

Rankings based on live CANNEX rate data. Subject to change. Verify rates directly with carriers.

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