| Guarantee term | A-rated carriers (A‑ to A++) | B+ / B++ rated carriers |
|---|---|---|
| 3-year | 4.45% – 5.40%9 carriers | — |
| 5-year | 5.05% – 5.60%9 carriers | 5.20% – 6.00%3 carriers |
| 7-year | 5.20% – 5.80%10 carriers | — |
| 10-year | 5.35% – 5.70%3 carriers | — |
As of July 12, 2026. Ranges reflect the best published rate per carrier from carrier-published public rate sheets; single-band and multi-band products vary by deposit size. A.M. Best ratings as stated by each carrier as of July 12, 2026; ratings can change. Rates change frequently — confirm current rates before making any decision.
Insurance advertising rules require a carrier’s approval before naming its products and rates in marketing. We publish verified rate ranges by rating tier instead — and when you talk with an advisor, you’ll see the full picture with every carrier named, in writing.
Probably not — and that’s the honest answer. These ranges reflect publicly published rate sheets. Advisors see additional carriers and rate bands that never get published. Use this table as your floor, not your ceiling.
An optional benefit on many fixed indexed annuities that guarantees a lifetime monthly income you can turn on later — regardless of how the market performs. Riders usually carry an annual fee and their terms vary widely, which is exactly why side-by-side comparison matters more here than anywhere else in the annuity world.
We check carrier-published rate sheets daily and update the ranges whenever they move. The “as of” date above the table always tells you exactly how fresh the numbers are.