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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 September 16, 2026
Today's top rate
IbexisFIA Plus 10
AM BestA-
Index and methodS&P 500 annual pt-to-pt
Cap20.25%
Participation-
Min premium$25,000
Fidelity & Guaranty LifeFG AccumulatorPlus 10
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap20.00%
Participation55%
Min premium$10,000
Fidelity & Guaranty LifeFG AccumulatorPlus 7
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap19.75%
Participation55%
Min premium$10,000
Global Atlantic Financial GroupForeAccumulation II Advisory With Growth Accelerator Rider
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap14.50%
Participation-
Min premium$25,000
AuguStarObservatory Accumulation 10
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap13.00%
Participation-
Min premium$25,000
Talcott FinancialEverGuard Aspire 10 Model 2: Equity Focused
AM BestA-
Index and methodS&P 500 annual pt-to-pt
Cap13.00%
Participation-
Min premium$25,000
Talcott FinancialEverGuard Aspire 7 Model 2: Equity Focused
AM BestA-
Index and methodS&P 500 annual pt-to-pt
Cap13.00%
Participation-
Min premium$25,000
AuguStarObservatory Accumulation 7
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.75%
Participation-
Min premium$25,000
AuguStarObservatory Accumulation 5
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.50%
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
Talcott FinancialEverGuard Aspire 5 Model 2: Equity Focused
AM BestA-
Index and methodS&P 500 annual pt-to-pt
Cap12.50%
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
Cap12.50%
Participation-
Min premium$25,000
MassMutual AscendIndex Protector 5 MVA
AM BestA++
Index and methodS&P 500 annual pt-to-pt
Cap12.50%
Participation-
Min premium$50,000
Fidelity & Guaranty LifeFG Accelerator Plus 14
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.25%
Participation55%
Min premium$10,000
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
Fidelity & Guaranty LifeFG Accelerator Plus 10
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap12.00%
Participation55%
Min premium$10,000
American Equity InvestmentAssetShield 10
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap11.75%
Participation55%
Min premium$5,000
American Equity InvestmentAssetShield 9
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap11.75%
Participation55%
Min premium$5,000
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
American Equity InvestmentAssetShield 7
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation55%
Min premium$5,000
Athene IAAthene Performance Elite 7
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation-
Min premium$10,000
Athene IAAthene Performance Elite 7 Plus
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation-
Min premium$10,000
Athene IAAthene Performance Elite® 7
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation-
Min premium$10,000
Athene IAAthene Performance Elite® 7 Plus
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation-
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
Reliance Standard LifeReliance Accumulator 10
AM BestA++
Index and methodS&P 500 annual pt-to-pt
Cap11.50%
Participation64%
Min premium$20,000
Global Atlantic Financial GroupForeAccumulation II Advisory
AM BestA
Index and methodS&P 500 annual pt-to-pt
Cap11.25%
Participation-
Min premium$25,000
Reliance Standard LifeKeystone 10 Index Annuity
AM BestA++
Index and methodS&P 500 annual pt-to-pt
Cap11.25%
Participation62%
Min premium$10,000
Reliance Standard LifeReliance Accumulator 7
AM BestA++
Index and methodS&P 500 annual pt-to-pt
Cap11.25%
Participation63%
Min premium$20,000
Securian FinancialSecureLink Ultra 7
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap11.20%
Participation57%
Min premium$20,000
Securian FinancialSecureLink Ultra 5
AM BestA+
Index and methodS&P 500 annual pt-to-pt
Cap10.95%
Participation52%
Min premium$20,000
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