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RILA Rate Comparison Tool

See how buffered annuity rates compare across S&P 500® strategies from many of the top insurance carriers.

Rates current as of 03/02/2026.

6-Year S&P 500® 10% Buffer

6-Year Buffer Cap Rate Participation Rate Fee Rate
Athene® Amplify 2.0 125.00% 0.95%
Principal Strategic Outcomes Enhanced 125.00% 0.95%
Equitable SCS Premier 117.00% 1.25%
Symetra Trek Plus 115.00% 1.00%
Athene® Amplify 2.0 NF 110.00%
Securian AccumuLink Advance 110.00%
Aspida DreamPath 110.00%
Allianz Index Advantage + 110.00% 1.25%
MassMutual Ascend Index Summit 6 Pro 105.00% 0.95%
Midland LiveWell Dynamic Annuity 105.00%
Corebridge MarketLock 105.00%
TruStage ZoneChoice 105.00%
Principal Strategic Outcomes 102.00%
F&G Confidence Builder 100.00%
Nationwide Defender^ 100.00%
Allianz Index Advantage + NF 100.00%
Lincoln Level Advantage 2 (AV DB) 100.00%
Jackson Market Link Pro III 100.00%
Pacific Protective Growth 100.00%
Brighthouse - Shield II 6 100.00%
Symetra Trek Plus 100.00%
Global Atlantic ForeStructured Growth II 90.00%
MassMutual Ascend Index Summit 6 90.00%
Aspida DreamPath 500.00%
Equitable SCS Plus 21 300.00%
Transamerica Structured Index Advantage 250.00%
Prudential FlexGuard 2.0 70.00% 125.00%

^Extra fees apply for ROP DB and lock-in election

⁺ Prudential FlexGuard (Tiered) participation rates are displayed as such: Tier 1 Return/Tier 2 Return. 5% Buffer has 5% Tier; 10% Buffer has 20% Tier. 

 

 

6-Year S&P 500® 20% Buffer

Product Cap Rate Participation Rate Fee Rate
Principal Strategic Outcomes Enhanced 120.00%  0.95%
Athene® Amplify 2.0 115.00% 0.95%
Allianz Index Advantage + 105.00% 1.25%
Symetra Trek Plus 105.00% 1.00%
Athene® Amplify 2.0 NF 100.00%
Aspida DreamPath 100.00%
MassMutual Ascend Index Summit 6 Pro 100.00% 0.95%
Securian AccumuLink Advance 95.00%
Global Atlantic ForeStructured Growth II* 92.00%
Principal Strategic Outcomes 92.00%
MassMutual Ascend Index Summit 6 80.00%
F&G Confidence Builder 500.00%
Aspida DreamPath 300.00%
Corebridge MarketLock 200.00%  
TruStage ZoneChoice 200.00%
Equitable SCS Premier 150.00% 1.25%
Nationwide Defender^ 100.00%
Allianz Index Advantage + NF 100.00%
Pacific Protective Growth 100.00%
Prudential FlexGuard 90.00%
Global Atlantic ForeStructured Growth II* 90.00%
Midland LiveWell Dynamic Annuity 90.00%
Transamerica Structured Index Advantage 90.00%
Symetra Trek Plus 90.00%
Jackson Market Link Pro II 80.00%
Lincoln Level Advantage 2 (AV DB) 75.00%
Equitable SCS 21 75.00%
Prudential FlexGuard 2.0 60.00%

^Extra fees apply for ROP DB and lock-in election

* Global Atlantic high band rates, premium > $100,000

 

 

1-Year S&P 500® 10% Buffer

Product Cap Rate Participation Rate Fee Rate
Securian AccumuLink Advance 83.00%
Global Atlantic ForeStructured Growth II* 80.00%
Athene® Amplify 2.0 25.50% 0.95%
MassMutual Ascend Index Summit 6 Pro 23.25% 0.95%
Allianz Index Advantage + 23.00% 1.25%
Equitable SCS Premier 21.00% 1.25%
Aspida DreamPath 20.50%
F&G Confidence Builder 20.25%
Symetra Trek Plus 20.00% 1.00%
Nationwide Defender^ 18.00%
Athene® Amplify 2.0 NF 17.00%
MassMutual Ascend Index Summit 6 17.00%
Securian AccumuLink Advance 16.50%
Midland LiveWell Dynamic Annuity 16.50%
Pacific Protective Growth 16.50%
Global Atlantic ForeStructured Growth II* 16.25%
Prudential FlexGuard 16.00%
Allianz Index Advantage + NF 16.00%
Lincoln Level Advantage 2 (AV DB) 16.00%
Corebridge MarketLock 16.00%    
Transamerica Structured Index Advantage 16.00%
Jackson Market Link Pro III 15.50%
Symetra Trek Plus 15.50%
Principal Strategic Outcomes Enhanced 15.00% 0.95%
TruStage ZoneChoice 14.75%
Equitable SCS 21 14.00%
Brighthouse – Shield II 6 13.25%
Principal Strategic Outcomes 13.00%
Brighthouse – Shield II 3 10.00%

^Extra fees apply for ROP DB and lock-in election

* Global Atlantic high band rates, premium > $100,000

 

 

1-Year S&P 500® 20% Buffer

Product Cap Rate Participation Rate Fee Rate
Securian AccumuLink Advance 65.00%
Athene® Amplify 2.0 15.00% 0.95%
Aspida DreamPath 14.50%
F&G Confidence Builder 14.25%
MassMutual Ascend Index Summit 6 Pro 14.00% 0.95%
Allianz Index Advantage + 13.75% 1.25%
Equitable SCS Premier 13.00% 1.25%
Nationwide Defender^ 12.00%
Athene® Amplify 2.0 NF 11.75%
MassMutual Ascend Index Summit 6 11.50%
Lincoln Level Advantage 2 (AV DB) 11.50%
Corebridge MarketLock 11.50%
Securian AccumuLink Advance 11.00%
Global Atlantic ForeStructured Growth II* 11.00%
Allianz Index Advantage + NF 11.00%
Principal Strategic Outcomes Enhanced 10.50% 0.95%
Jackson Market Link Pro II 10.25%
Equitable SCS 21 9.50%  
Principal Strategic Outcomes 8.50%

^Extra fees apply for ROP DB and lock-in election

* Global Atlantic high band rates, premium > $100,000

 

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