Best 5-year MYGA rates
Rates as of 2026-10-15. About, examples, not offers. Best among carriers we work with, not the whole market.
| 5-yr MYGA | Rate |
|---|---|
| AM Best A | about 6.00% |
| AM Best A | about 5.50% |
Example profile: age 65, Florida, $100,000 non-qualified. Your rate depends on age, state, amount and type of money.
For comparison, the 5-year Treasury was about 4.91% on the same date. See the full rate board.
Frequently asked questions
What is a good 5-year MYGA rate right now?
As of 2026-10-15, the best 5-year rate among carriers we work with was about 6.00% (AM Best A) for our example profile. Rates change often, so get a live quote for your situation.
Why don't you show the insurance company name?
We show each insurer's AM Best financial strength rating so you can judge safety. One of our licensed advisors shares company and product details when you get a quote.
Are MYGAs safe?
A MYGA is backed by the financial strength and claims-paying ability of the issuing insurance company, not the FDIC. That is why we show each insurer's AM Best financial strength rating. Every state also runs a life and health insurance guaranty association that provides limited protection, with limits that vary by state.
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