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Fixed index rates

Fixed index annuity caps and participation rates

FIA returns are shaped by the crediting method: the cap, the participation rate, and any spread. Here are current example terms across popular products, so you can compare the levers, not just a headline.

Rates last updated July 29, 2026
Showing 50 of 50 products Rates last updated August 2, 2026
Global Atlantic Financial GroupForeAccumulation II Advisory With Growth Accelerator Rider
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap13.50%
Participation-
Min premium$25,000
Global Atlantic Financial GroupForeAccumulation II 7 With Growth Accelerator Rider
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.50%
Participation-
Min premium$25,000
Global Atlantic Financial GroupForeAccumulation II 10 With Growth Accelerator Rider
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.25%
Participation-
Min premium$25,000
Global Atlantic Financial GroupForeAccumulation II 5 With Growth Accelerator Rider
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.25%
Participation-
Min premium$25,000
Pruco Life Insurance Company (Prudential)PruSecure Advisor 7
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.55%
Participation60%
Min premium$10,000
Pruco Life Insurance Company (Prudential)PruSecure Advisor 5
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation55%
Min premium$10,000
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