Fixed and Fixed Index Annuity Reviews Database 2026

Jason Caudill, MBA
Updated March 28, 2026 | 1 min read

Fixed Index Annuity Reviews

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Disclaimer: This content is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Annuity products vary by state and carrier. Always consult a licensed financial professional before making any financial decisions. My Annuity Store is an independent marketplace and does not provide investment advice.
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Featured Retirement Savings Products for April 16, 2026

Rates updated: April 16, 2026, 10:26 pm ET Source: AnnuityRateWatch
3-Year MYGA Rates Top 4 carriers
Axonic Insurance Best Rate
Waypoint 3 MYGA
Term: 3 yr Min: $100,000 Withdrawal: 10% AM Best A-
5.45% Guaranteed APY
Baltimore Life Insurance Company
IQumulate 3
Term: 3 yr Min: $5,000 Withdrawal: 0% AM Best B++
5.35% Guaranteed APY
CL Life
CL Sundance 3
Term: 3 yr Min: $20,000 Withdrawal: Interest Only AM Best B++
5.35% Guaranteed APY
American Life
American Classic 3 (No Liquidity)
Term: 3 yr Min: $1,000 Withdrawal: 0% AM Best B++
5.10% Guaranteed APY

Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

Rates updated: April 16, 2026, 10:26 pm ET Source: AnnuityRateWatch
5-Year MYGA Rates Top 4 carriers
American Gulf Best Rate
Anchor MYGA 5
Term: 5 yr Min: $10,000 Withdrawal: 0% AM Best B++
6.30% Guaranteed APY
Baltimore Life Insurance Company
IQumulate 5
Term: 5 yr Min: $5,000 Withdrawal: 0% AM Best B++
5.80% Guaranteed APY
Axonic Insurance
Waypoint 5 MYGA
Term: 5 yr Min: $100,000 Withdrawal: 10% AM Best A-
5.70% Guaranteed APY
CL Life
CL Sundance 5
Term: 5 yr Min: $20,000 Withdrawal: Interest Only AM Best B++
5.50% Guaranteed APY

Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

Rates updated: April 16, 2026, 10:26 pm ET Source: AnnuityRateWatch
7-Year MYGA Rates Top 4 carriers
American Gulf Best Rate
Anchor MYGA 7
Term: 7 yr Min: $10,000 Withdrawal: 0% AM Best B++
6.30% Guaranteed APY
Baltimore Life Insurance Company
IQumulate 7
Term: 7 yr Min: $5,000 Withdrawal: 0% AM Best B++
5.80% Guaranteed APY
Axonic Insurance
Waypoint 7 MYGA
Term: 7 yr Min: $100,000 Withdrawal: 10% AM Best A-
5.50% Guaranteed APY
Aspida
Synergy Choice 7
Term: 7 yr Min: $100,000 Withdrawal: 0% AM Best A-
5.30% Guaranteed APY

Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

Rate data temporarily unavailable. Please check back shortly.

Rates updated: April 16, 2026, 10:26 pm ET Source: AnnuityRateWatch
3-Year MYGA Rates Top 2 carriers
Athene IA Best Rate
Athene Max Rate 3
Term: 3 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.00% Guaranteed APY
Athene IA
Athene Max Rate 3 (state specific)
Term: 3 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.00% Guaranteed APY
5-Year MYGA Rates Top 2 carriers
Athene IA Best Rate
Athene Max Rate 5
Term: 5 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.20% Guaranteed APY
Athene IA
Athene Max Rate 5 (state specific)
Term: 5 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.15% Guaranteed APY
7-Year MYGA Rates Top 2 carriers
Athene IA Best Rate
Athene Max Rate 7
Term: 7 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.30% Guaranteed APY
Athene IA
Athene Max Rate 7 (state specific)
Term: 7 yr Min: $100,000 Withdrawal: Interest Only AM Best A+
5.25% Guaranteed APY

Rates shown are for informational purposes only and subject to change without notice. Products marked SI use simple interest, effective compound yield is lower than the stated rate. Minimum premiums shown are for non-qualified (after-tax) funds. Always verify current rates with a licensed annuity professional before purchasing.

Rates sourced from AnnuityRateWatch. A-rated carriers (AM Best A− or better) only. Not a solicitation. Rates vary by state and deposit size. Verify current rates before purchasing.

Jason Caudill, MBA
Written by
Jason Caudill, MBA

Jason Caudill, MBA is the founder of My Annuity Store and has spent over 15 years helping clients protect retirement savings with annuities from A-rated carriers. He is an independent licensed insurance agent, not affiliated with any single carrier, which means you always get unbiased guidance.

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