📊 Updated October 2026

Current Fixed Index Annuity Rates

Real-time FIA cap rates, participation rates, and spreads from 30+ A-rated carriers. Independent comparison—no carrier quotas, no sales pressure.

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Top FIA Cap Rates (October 2026)

Annual point-to-point strategy • 1-year terms • Rates subject to change

Carrier	Product	Cap Rate	Participation Rate	Floor	Financial Strength
AuguStar	Observatory Accumulation 10	14.00%	215%	0%	A (A.M. Best)
Prudential	PruSecure 5	11.00%	—	0%	A+ (A.M. Best)
Symetra	Edge Elite 5 2026	11.00%	150%	0%	A (A.M. Best)
Reliance Standard	Reliance Accumulator 10	11.00%	230%	0%	A++ (A.M. Best)
Allianz	Benefit Control Annuity	10.50%	—	0%	A+ (A.M. Best)
Global Atlantic	ForeAccumulation II 7	10.50%	180%	0%	A (A.M. Best)
Athene	Athene Aviator 5	10.25%	—	0%	A+ (A.M. Best)
Pacific Life	Pacific Index Foundation 5	10.25%	—	0%	A+ (A.M. Best)
Midland National	Endeavor 10	10.00%	—	0%	A+ (A.M. Best)
American Equity	AssetShield 10	9.25%	105%	0%	A (A.M. Best)

Note: Rates shown are current as of October 2026 and subject to change. Cap rates represent annual point-to-point crediting strategies on S&P 500 index. Participation rates apply to different strategies. All carriers are A-rated or better by at least one major rating agency. Contact us for real-time rates and product availability in your state.

Popular Crediting Strategies

Different strategies for different return profiles

Annual Point-to-Point with Cap

9.5-12.5%

How it works: Measures index gain from start to end of year. If S&P 500 gains 15%, you get the cap rate (e.g., 12%). If it drops 10%, you get 0%.

Best for: Maximum upside capture with simplicity

Monthly Averaging with Cap

6.5-8.5%

How it works: Averages monthly index values over the year. Smooths volatility but typically lower caps than annual strategies.

Best for: Reducing volatility drag, more consistent returns

Participation Rate (No Cap)

125-145%

How it works: You receive a percentage of index gains with no upper cap. 145% participation means if S&P gains 10%, you get 14.5%.

Best for: Unlimited upside when markets surge

Why FIA Rates Are at 15-Year Highs

Three factors driving unprecedented cap rates in 2026

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Treasury Yields

10-year Treasuries at 4.5% give insurance companies higher returns on their bond portfolios, allowing them to offer higher caps.

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Lower Option Costs

Index option prices have dropped 30-40% from 2020-2022 highs. Lower costs = more budget for higher caps and participation rates.

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Competitive Pressure

40+ carriers compete for FIA market share. Rate competition has pushed cap rates to levels not seen since 2008-2010.

Read Full Analysis: Why FIA Rates Hit 15-Year Highs →

Ready to Lock in Current FIA Rates?

Schedule a no-pressure consultation. We'll compare your personalized rates across 30+ carriers and explain exactly how each strategy works.

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