Fixed Indexed Annuity Rates — Compare FIA Cap Rates & Strategies
351 products from 48 carriers across 200+ index strategies. Filter by index, crediting period, carrier rating, and state availability.
Updated March 4, 2026
351
Products
48
Carriers
200+
Indices
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Rates sourced from CANNEX Financial Exchanges. Click any row for details. Subject to change.
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Cap rates, participation rates, rider options, and crediting methods compared across carriers — personalized to your state and goals.
What is an FIA?
Fixed Indexed Annuities link returns to market indices while guaranteeing your principal. Growth is credited based on index performance, subject to caps and participation rates.
Cap vs Participation
Cap rate limits your maximum gain. Participation rate is the % of index gain you receive. Some strategies use spreads instead — a deduction from the index return.
Engineered Indices
Beyond S&P 500, many FIAs offer proprietary volatility-controlled indices. These often have higher caps or uncapped participation but different risk profiles.
Browse FIA Rates by Carrier
Guardian Life Insurance Company
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Allianz
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AmFirst
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American Equity Investment Life Insurance Company
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American Life
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American National Life Insurance Company
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Americo
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Aspida
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Athene Annuity and Life Company
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Atlantic Coast Life
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AuguStar Financial
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Axonic Insurance Services (AIS)
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