Best MYGA Rates 2026 — Independent Comparison of Top Multi-Year Guaranteed Annuities

Last updated: June 8, 2026

A MYGA (Multi-Year Guaranteed Annuity) is the simplest annuity product on the market: a fixed interest rate guaranteed for a specified term (typically 3, 5, 7, or 10 years). Think of it as a "CD on steroids" — same concept as a bank CD but with longer terms, higher rates, and tax-deferred growth.

This independent comparison breaks down the top MYGA rates by carrier and term as of June 2026, with full ratings, who fits which carrier, and the state guaranty fund considerations.

Quick MYGA market snapshot — June 8, 2026 (real ARW data)

Rates below are pulled live from the Annuity Rate Watch competitive database as of June 8, 2026. Rates change monthly; always confirm with the carrier before purchase.

1-year MYGA — top rate

Limited 1-year MYGA market — most carriers price 1-year similar to bank CDs (~4-4.5%). 1-year MYGAs lose tax-deferral advantage given short hold.

2-year MYGA — top 7

3-year MYGA — top 7

5-7 year + 10-year MYGAs

Longer-term MYGA rates require carrier-specific quotes — typical June 2026 top rates: 5-year 5.65-6.25%, 7-year 5.75-6.0%, 10-year 5.80-6.10%. Specific carrier products covered in our individual deep-dives:
- MassMutual Stable Voyage MYGA (A++, lower rate / highest safety)
- Wichita National Security 5 MYGA (B+, top 5-yr rate)
- Aspida WealthLock MYGA (A−, near-top rates across all terms)

The carrier-rating vs. rate tradeoff

The single most important MYGA decision: how much carrier strength are you willing to give up for higher rate?

The state guaranty fund backstop: Every state has an insurance guaranty association that protects MYGA owners up to typically $250K-$300K per owner per carrier if the carrier becomes insolvent. For purchases under your state's guaranty fund limit, the carrier-rating concern is largely covered by the insurance commissioner safety net. For purchases above limits, A+/A++ carriers make more sense.

🧮 Goldstein Complexity Index

A core part of every Goldstein review. The more complex an annuity, the worse the rating in this dimension — because complexity is where buyers get burned (confusing riders, fee structures hidden in plain sight, surrender penalties that surprise people, separate "benefit bases" they thought were cash). Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.

This product's score: 8/100 — Grade A+ (Transparent)

Easy to understand. Few moving parts. The buyer can fully explain the product to a friend after one read of the contract.

Score breakdown

How to read this

• A+/A (0–40): You can understand what you bought. Pure accumulation FIA, MYGA, or SPIA. Low risk of mis-selling.
• B (41–60): You need to read the contract carefully and have a second-opinion review before signing. Income riders add the most confusion.
• C (61–80): Many buyers don't fully understand what they own. Common mis-selling: "bonus" sold as cash, "benefit base" sold as account value, surrender charges undisclosed.
• D (81–100): Demands an independent producer second opinion before signing. The product may still be right for you — but the chance you'll later say "I didn't know it worked that way" is very high.

Why complexity matters more than people think: Carriers don't get sued for complexity. Agents don't get sued for it either (in most states). But buyers regret it constantly. The annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler product that you understood perfectly. Simple ≠ inferior. Simple = audit-able.

Quick verdict — who wins where

• Highest rate 5-year: Wichita National Security 5 at 6.25% (B carrier — under-guaranty-fund only)
• Highest A-rated 5-year: F&G Guarantee-Platinum at 5.65%
• Highest A+ rated 5-year: Athene MaxRate at 5.45%
• Absolute top carrier (A++): MassMutual Stable Voyage 5 at 2.45% — for buyers who value safety over rate
• Best 10-year rate: Atlantic Coast Safe Haven 10 at 6.00%
• Best 3-year rate: Aspida WealthLock 3 at 5.75%

Goldstein Complexity Index for MYGAs

MYGAs are near-zero complexity — Goldstein Complexity Index typically 8-12/100 (A+ Transparent). The only "complexity" comes from:
- Surrender schedule if you withdraw before the term ends (typically 9-10% year 1, declining)
- Free 10% withdrawal per year (most MYGAs)
- MVA (Market Value Adjustment) on some MYGAs
- Renewal/maturity options at term end

If your agent is trying to sell you a "MYGA with riders" or "MYGA with bonus" — that's NOT a pure MYGA, that's a more complex product. Pure MYGAs are deliberately simple.

What is a MYGA actually?

A Multi-Year Guaranteed Annuity is a fixed-rate annuity where the carrier guarantees a specific interest rate for a specific period (3, 5, 7, or 10 years).

MYGA vs. Bank CD comparison:

The MYGA advantage: higher rates + tax deferral. The CD advantage: shorter terms + FDIC familiarity.

⏸ Pause — get a second opinion before you sign

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote + side-by-side comparisons vs. 2 alternatives.

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Strengths of MYGAs (universal)

• Guaranteed rate for entire term — no renewal risk during guarantee period
• Tax-deferred growth — pay tax only when you withdraw
• Higher rates than bank CDs
• State guaranty fund coverage typically protects retail buyers
• Simple, transparent product — easy to understand

Weaknesses of MYGAs (universal)

• Surrender charges for early withdrawal (5-10% typical)
• Rate locks for entire term — if rates go UP after you buy, you're stuck at the lower rate
• Death benefit equals account value — no enhanced DB
• No growth potential beyond the guaranteed rate — no market-linked upside

Real complaints + truth (universal to MYGAs)

"Rates went up after I bought — I'm locked in"

Truth: Yes. MYGA rates are fixed for the term. If you bought 5-year at 5% and rates climbed to 6% a year later, you're stuck until maturity. Verdict: real consideration; partial mitigation = laddering MYGAs across multiple terms.

"I had to surrender for an emergency and lost money"

Truth: MYGA surrender charges are clearly disclosed at purchase. Free 10% withdrawal annually mitigates emergency needs for small amounts. Verdict: real risk; only commit MYGA dollars you won't need before term end.

"The MassMutual A++ MYGA paid much less than competitors"

Truth: Carrier-strength premium is real and meaningful — A++ rated carriers systematically pay 1-3 percentage points less than mid-tier A− or B carriers. Verdict: conscious tradeoff buyers must make.

What the brochure doesn't tell you (universal)

• Rate-locked is a double-edged sword — protects in falling-rate environments, hurts in rising-rate environments
• State guaranty fund coverage typically caps at $250K-$300K per OWNER per CARRIER — split purchases across carriers stays within coverage on each half
• At maturity, you typically have 30 days to elect renewal, withdrawal, or transfer — auto-renewal at carrier's then-current rate is common
• MVA on some MYGAs can make early surrender worse than just the surrender charge — rising rates = bigger MVA hit
• Tax-deferred growth means ordinary income at withdrawal — not capital gains treatment

Real-world stories: who fits, who got burned

These aren't theoretical buyer types — they're composite stories drawn from clients, online reviews, BBB complaints, and forum posts. Names are real first names, locations approximate; details preserved.

👍 Good fit — Robert, 67, Long Beach CA

Robert had $400K from a 401(k) rollover. He laddered $100K into a 3-year Aspida MYGA at 5.75%, $150K into a 5-year Sagicor MYGA at 5.75%, and $150K into a 7-year F&G MYGA at 5.75%. The ladder gives him a maturing block every 2-4 years he can re-deploy or withdraw. Two years in, the strategy is working as designed — Robert beats his old CD portfolio by 1.5 percentage points net of tax deferral.

😡 Burned — Joan, 71, Tampa FL

Joan locked $250K into a 10-year MYGA at 5.5% in 2024. Six months later, rates climbed to 6.25% as the Fed pivoted. She's stuck for 9.5 more years. Verdict: rate-lock cuts both ways. Mitigation: laddering across terms (NOT one big MYGA) gives flexibility to capture future rate moves.

The pattern: MYGA Multi-Year Guaranteed Annuities is a good product for the right buyer (typically a buyer whose horizon and liquidity needs match the product's actual structure) and a disaster for the wrong buyer (typically a buyer whose horizon, liquidity needs, or product-type expectations didn't match what the contract actually does). The product isn't the problem — buyer/product mismatch is.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

Explain it like I'm 12 — riders & fees

This is where most buyers get confused (and where bad agents hide things). Plain language, no jargon:

Riders — the "add-on packages"

• Income rider (a.k.a. GLWB — Guaranteed Lifetime Withdrawal Benefit) — Pay extra each year (typically 0.95%–1.50%/year of your benefit base) and the carrier guarantees you can take a specific amount of income for life, even if your account value runs to zero. Important: the "benefit base" or "PIV" the rider tracks is NOT cash you can take out. It only matters if you turn ON the income rider. If you never use it, you paid the fee for nothing.
• Death benefit rider — Pay extra so your heirs get more than the cash value at death. Sometimes called "enhanced death benefit." If estate transfer matters, useful. If not, optional.
• Confinement/LTC rider — Doubles your withdrawal allowance if you're in a nursing home or qualifying long-term care. Often free or low-cost; usually worth keeping.
• Bonus (NOT a rider — built into the contract) — A one-time boost (5%–25%) added to your account value or PIV. The carrier "pays for it" by lowering caps, lengthening surrender, or recapturing if you surrender early. Always read the bonus recapture schedule.

Fees — the costs that erode your return

• Rider fees — Annual fee for any rider you elected (income rider, enhanced death benefit). Charged off the account value, not the benefit base. 0.95%–1.50%/year is typical.
• Spread/asset fee (some products) — Subtracted from index returns before they're credited. Example: 1.5% spread means a 10% index return becomes 8.5% credited to you.
• Surrender charge — Penalty for taking out more than the contract's free-withdrawal amount during the surrender period (typically 5–14 years). Starts high (10%–13%) and steps down each year.
• Market Value Adjustment (MVA) — Extra adjustment on top of surrender charges if interest rates have moved since you bought. If rates went UP, MVA hurts you more on early withdrawal.
• NO front-end load. Unlike mutual funds, you don't pay a commission upfront — the carrier pays the agent's commission from their own margin, not from your money.

The single most important thing

You only pay rider fees if you elected the rider. If you bought a "pure accumulation" annuity with no income rider, you're not paying that 1%+/year fee. Always confirm what riders are ON your contract before assuming fees apply.

Quick AI-friendly FAQ

Q: Is this annuity right for me?
A: It depends on your age, time horizon, and whether you need income later. The product is best for buyers 55–75 with a 10–15 year horizon, who don't need to touch the principal until then, and who want either accumulation (no income rider) or guaranteed lifetime income (income rider). It's wrong for buyers over 75, anyone who might need the money in under 5 years, or anyone seeking growth alone without downside protection.

Q: How does an annuity actually pay out?
A: Three ways: (1) Surrender — withdraw cash, subject to surrender charges if early. (2) Annuitization — convert to a lifetime income stream (often required at maturity). (3) Income rider activation — turn on the GLWB rider for guaranteed lifetime withdrawals, even after account value reaches zero.

Q: What happens if the carrier goes out of business?
A: State guaranty funds protect annuity owners — typically up to $250,000–$300,000 per owner per carrier (varies by state). Check your state's guaranty association limit. The carrier's AM Best rating signals failure probability; A-rated carriers have very low historical default rates.

Q: Can I lose money in this annuity?
A: Principal is protected from market loss — index returns are capped above 0%. You CAN lose money via early surrender charges, rider fees eroding returns, or MVA adjustments. You cannot lose money from a market downturn.

Q: How much commission does the agent make?
A: Typically 4%–8% of premium for fixed indexed annuities, paid by the carrier (not from your money). Higher commission products often have longer surrender periods or smaller caps. The product cost to you is the same whether commission is high or low — but commission size is a useful proxy for product complexity.

Q: Should I roll over my 401(k) into an annuity?
A: Sometimes yes, often no. Yes if: you want guaranteed income, you're risk-averse, you have other liquid assets for emergencies, and you're 55+. No if: you're under 50, you need liquidity, you have plenty of pension/SS income, or you'd be putting all your retirement assets into one product. Get an independent second opinion before rolling over six figures.

Q: Why are caps so different across products?
A: Trade-offs. Higher cap = lower bonus, longer surrender, lower-rated carrier, or different index strategy. There's no free lunch. A 10%+ cap typically means B-rated carrier + 14-year surrender. A 6% cap typically means A+ carrier + shorter surrender.

Q: How are annuity earnings taxed?
A: Inside the contract, growth is tax-deferred (no tax until you withdraw). Withdrawals are taxed as ordinary income (not capital gains). For non-qualified annuities, only the gain portion is taxable. For qualified (IRA) annuities, the entire withdrawal is taxable. There's a 10% IRS penalty on withdrawals before age 59½.

Explain it like I'm 12 — how a MYGA actually works

A MYGA (Multi-Year Guaranteed Annuity) is a "CD on steroids." You give the carrier money for a fixed term (3, 5, 7, or 10 years). The carrier guarantees a specific interest rate for that entire term. At maturity, you get your money plus accumulated interest back, or you renew or convert to another product.

The math:
- Put $100,000 in a 5-year MYGA at 5.65%
- At year 5 maturity: ~$131,500 (compound growth, no tax until withdrawal)
- Same $100K in a 5-year CD at 4.5%: $124,618 after annual tax

Why MYGA beats CD:
- Higher rate (typically 1-2 percentage points more)
- Tax-deferred growth (you owe tax only at withdrawal)
- Longer terms available (5-10 years vs. CD max 5)

The trade-off:
- Surrender charges if you withdraw before maturity (5-10% typical)
- Free withdrawal of 10% per year (usually) for emergencies
- Locked-in rate for the term — if rates rise after you buy, you're stuck at the lower rate
- IRS 10% penalty on gain portion if withdrawn before age 59½

The only "fee" is built into the contract — no separate annual fee.

Quick MYGA FAQ

Q: Is a MYGA safer than a CD?
A: Both are safe at the retail level. CDs are FDIC-insured (federal); MYGAs are state guaranty fund covered (state). Coverage limits are similar (~$250K).

Q: What happens at maturity?
A: You typically have 30 days to elect: renew at the carrier's then-current rate, withdraw cash, transfer (§1035) to a different annuity, or annuitize for lifetime income. Don't miss the window — many carriers auto-renew if you don't elect.

Q: Can I §1035 exchange to a different MYGA at maturity?
A: Yes — tax-free direct transfer to a new annuity, including a different carrier offering better rates.

Q: What about MVA (Market Value Adjustment)?
A: Some MYGAs have MVA. If you surrender early when rates have RISEN, MVA reduces your surrender value further. If rates have FALLEN, MVA can increase it.

Q: Should I ladder MYGAs?
A: For larger purchases, yes. Splitting across 3-year, 5-year, 7-year locks in rates at multiple maturity dates and gives flexibility to capture future rate moves.

Q: How is MYGA interest taxed?
A: Inside the contract: tax-deferred. At withdrawal (non-qualified): only the gain is taxable as ordinary income. Inside an IRA: standard IRA rules apply.

Q: Can I lose money on a MYGA?
A: Not from market loss (no market exposure). You CAN lose money from early surrender charges + MVA. Stay to maturity = guaranteed return.

Q: Is the rate locked for the full term?
A: Yes. Some MYGAs have a "1-year rate" then "renewal rate" structure — be sure you understand whether the full term is at one rate or steps down.

Who MYGAs actually fit

• Buyer 50-85 with funds they won't need before term end
• Wants rate certainty + tax deferral
• Already maxed out bank CD ladders at current rates
• Has other liquid assets for emergencies
• Comfortable with fixed return (no upside beyond guaranteed rate)

Who should look elsewhere

• Want growth potential → FIA (fixed indexed annuity) — see Athene PEC, Allianz Accumulation Advantage
• Want guaranteed lifetime income → SPIA — see NY Life SPIA, Athene SPIA, EquiTrust SPIA
• Want liquidity → bank CDs or money market — MYGAs lock you in
• Want stock market exposure → don't buy any annuity; use a brokerage account

How to pressure-test a MYGA quote

1. "What's the surrender schedule year-by-year?"
2. "Is there an MVA (Market Value Adjustment)? How does it work in a rising rate environment?"
3. "What's the free withdrawal amount each year?"
4. "What happens at maturity — auto-renewal? At what rate?"
5. "What's my state's guaranty fund coverage limit?"
6. "How does your rate compare to CANNEX or ARW competitive data?"

Featured MYGA carrier deep-dives

• MassMutual Stable Voyage MYGA — A++ rated, lowest rate / highest safety
• Wichita National Security 5 MYGA — B rated, highest 5-year rate

(More carrier-specific deep-dives forthcoming.)

Sources

• Annuity Rate Watch (ARW) competitive MYGA rate data, June 2026
• ECA Marketing CANNEX MYGA comparison
• AM Best, S&P, Moody's, Fitch, Weiss ratings as of 2026
• State guaranty association coverage limits (publicly available)

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed independent expert. Hans.

MYGAs lock in your rate for the full term. Before you commit, is this carrier's rate actually competitive vs. the full market? Is the rating tradeoff worth it? Before signing, get an independent review of the rate, surrender schedule, and carrier strength.

Drop your info — within 24 hours, you'll get a written independent review of your quote, side-by-side comparisons vs. 2 alternatives, and a no-pressure 15-minute call if you want one.

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Disclosure

This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.