{
  "name": "Current U.S. Annuity Rates \u2014 MYGA, Immediate (SPIA) & Benchmarks \u2014 The Annuity Ledger",
  "description": "Grounded snapshot of top multi-year guaranteed annuity (MYGA) rates by term, immediate-annuity (SPIA) monthly payout per $100,000 by age, and market benchmarks (typical fixed-index cap, 10-year Treasury, 5-year CD). Snapshot, not a quote \u2014 rates vary by state, premium, and carrier and can change without notice.",
  "mygaAsOf": "2026-08-01",
  "spiaAsOf": "2026-04",
  "asOf": "2026-08-01",
  "updateCadence": "Monthly",
  "source": [
    "annuity.org & annuity.com MYGA/fixed rate surveys (top rate across 20+ carriers)",
    "annuity.org immediate-annuity ($100,000) payout tables",
    "U.S. Treasury daily par yield curve (10-year benchmark)"
  ],
  "creator": "https://annuityledger.com/#org",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "spatialCoverage": "United States",
  "myga": {
    "unit": "annual guaranteed rate, percent",
    "note": "Top available rate across surveyed carriers. A-rated carriers typically run ~0.5\u20130.8% lower (e.g. top 5-year A-rated ~5.5\u20135.7%). Rates vary by state and premium size and can change without notice \u2014 this is a snapshot, not a quote.",
    "byTerm": [
      {
        "term": "2-year",
        "top": 5.25
      },
      {
        "term": "3-year",
        "top": 6.1
      },
      {
        "term": "5-year",
        "top": 6.8
      },
      {
        "term": "7-year",
        "top": 6.15
      },
      {
        "term": "10-year",
        "top": 6.25
      }
    ]
  },
  "spia": {
    "unit": "monthly income (USD) per $100,000 premium, single life, life-only",
    "note": "Monthly income per $100,000, single life, life-only option. See the calculator for other premiums and payout options.",
    "byAge": [
      {
        "age": 60,
        "male": 530,
        "female": 503
      },
      {
        "age": 65,
        "male": 675.0,
        "female": 590
      },
      {
        "age": 70,
        "male": 750,
        "female": 703
      },
      {
        "age": 75,
        "male": 920,
        "female": 859
      },
      {
        "age": 80,
        "male": 1150,
        "female": 1080
      }
    ]
  },
  "benchmarks": {
    "treasury10yrPct": 4.73,
    "fixedIndexCapTypicalPct": 12.0,
    "cd5yrPct": 4.15
  },
  "disclaimer": "Educational only. Not individual financial advice, and not a quote. Annuity guarantees depend on the issuing insurer's claims-paying ability and state guaranty-association limits."
}