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 05/04/2026.
6-Year Point-to-Point S&P 500® 10% Buffer
| 6-Year Buffer | Cap Rate | Participation Rate | Fee Rate |
|---|---|---|---|
| Athene Amplify® 3.0 | — | 125.00% | 0.95% |
| Principal Strategic Outcomes Enhanced | — | 125.00% | 0.95% |
| Brighthouse Shield Level Select II 6 | — | 121.00% | 1.25% |
| Equitable SCS Premier | — | 117.00% | 1.25% |
| Allianz Index Advantage + | — | 115.00% | 1.25% |
| Symetra Trek Plus | — | 115.00% | 1.00% |
| Securian AccumuLink Advance | — | 111.00% | — |
| Athene Amplify® 3.0 | — | 110.00% | — |
| Aspida DreamPath | — | 110.00% | — |
| MassMutual Ascend Index Summit 6 Pro | — | 110.00% | 0.95% |
| RiverSource Structured Solutions 2 6-Year | — | 106.00% | 1.00% |
| Midland LiveWell Dynamic Annuity | — | 105.00% | — |
| Jackson Market Link Pro III | — | 102.00% | — |
| Principal Strategic Outcomes | — | 102.00% | — |
| TruStage ZoneChoice Advantage | — | 102.00% | — |
| F&G Confidence Builder | — | 100.00% | — |
| Nationwide Defender^ | — | 100.00% | — |
| MassMutual Ascend Index Summit 6 | — | 100.00% | — |
| Lincoln Level Advantage 2 B-Share (AV DB) | — | 100.00% | — |
| Corebridge MarketLock | — | 100.00% | — |
| Pacific Protective Growth | — | 100.00% | — |
| Brighthouse Shield Level Select II 6 | — | 100.00% | — |
| Symetra Trek Plus | — | 100.00% | — |
| Global Atlantic ForeStructured Growth II | — | 90.00% | — |
| Aspida DreamPath | 500.00% | — | — |
| Allianz Index Advantage + NF | 400.00% | — | — |
| Equitable SCS Plus 21 | 300.00% | — | — |
| Transamerica Structured Index Advantage | 250.00% | — | — |
| RiverSource Structured Solutions 2 6-Year | 100.00% | — | 0.35% |
| RiverSource Structured Solutions 2 6-Year | 80.00% | — | — |
| Prudential FlexGuard 2.0 | 70.00% | 125.00% | — |
^Extra fees apply for ROP DB and lock-in election
6-Year Point-to-Point S&P 500® 20% Buffer
| Product | Cap Rate | Participation Rate | Fee Rate |
|---|---|---|---|
| Athene Amplify® 3.0 | — | 115.00% | 0.95% |
| Principal Strategic Outcomes Enhanced | — | 115.00% | 0.95% |
| Allianz Index Advantage + | — | 110.00% | 1.25% |
| Symetra Trek Plus | — | 105.00% | 1.00% |
| Athene Amplify® 3.0 | — | 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 | — | 90.00% | — |
| F&G Confidence Builder | 500.00% | — | — |
| Aspida DreamPath | 300.00% | — | — |
| TruStage ZoneChoice Advantage | 200.00% | — | — |
| Equitable SCS Premier | 150.00% | 110.00% | 1.25% |
| Corebridge MarketLock | 125.00% | — | — |
| Global Atlantic ForeStructured Growth II | 105.00% | — | — |
| Nationwide Defender^ | 100.00% | — | — |
| Pacific Protective Growth | 100.00% | — | — |
| Symetra Trek Plus | 100.00% | 90.00% | — |
| Allianz Index Advantage + NF | 90.00% | — | — |
| Midland LiveWell Dynamic Annuity | 90.00% | — | — |
| Transamerica Structured Index Advantage | 85.00% | — | — |
| Prudential FlexGuard 2.0 | 80.00% | — | — |
| MassMutual Ascend Index Summit 6 | 80.00% | — | — |
| Jackson Market Link Pro III | 80.00% | — | — |
| Equitable SCS Plus 21 | 75.00% | — | — |
| Lincoln Level Advantage 2 B-Share (AV DB) | 70.00% | — | — |
| Prudential FlexGuard 2.0 | 65.00% | 110.00% | — |
^Extra fees apply for ROP DB and lock-in election
6-Year Dual Trigger S&P 500®
| Product | Buffer Rate | Cap Rate | Participation Rate | Fee Rate |
|---|---|---|---|---|
| Equitable SCS Premier | 40% | 40.00% | — | 1.25% |
| Allianz Index Advantage + | 30% | 42.00% | — | 1.25% |
| Athene Amplify® 3.0 | 30% | 41.00% | — | — |
| Allianz Index Advantage + NF | 30% | 32.00% | — | — |
| Equitable SCS Premier | 20% | 50.00% | — | 1.25% |
| Athene Amplify® 3.0 | 20% | 47.00% | — | — |
| Allianz Index Advantage + | 20% | 47.00% | — | 1.25% |
| TruStage ZoneChoice Advantage | 20% | 42.00% | — | — |
| Allianz Index Advantage + NF | 20% | 36.00% | — | — |
| Equitable SCS Premier | 10% | 60.00% | — | 1.25% |
| Athene Amplify® 3.0 | 10% | 54.00% | — | — |
| Allianz Index Advantage + | 10% | 53.00% | — | 1.25% |
| TruStage ZoneChoice Advantage | 10% | 50.00% | — | — |
| Allianz Index Advantage + NF | 10% | 42.00% | — | — |
1-Year Point-to-Point 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® 3.0 | 25.50% | — | 0.95% |
| MassMutual Ascend Index Summit 6 Pro | 23.25% | — | 0.95% |
| Allianz Index Advantage + | 22.50% | — | 1.25% |
| Equitable SCS Premier | 21.00% | — | 1.25% |
| Symetra Trek Plus | 21.00% | — | 1.00% |
| Aspida DreamPath | 20.50% | — | — |
| F&G Confidence Builder | 20.25% | — | — |
| Nationwide Defender^ | 18.00% | — | — |
| Securian AccumuLink Advance | 17.00% | — | — |
| Athene Amplify® 3.0 | 17.00% | — | — |
| MassMutual Ascend Index Summit 6 | 17.00% | — | — |
| Midland LiveWell Dynamic Annuity | 16.50% | — | — |
| Pacific Protective Growth | 16.50% | — | — |
| Global Atlantic ForeStructured Growth II | 16.25% | — | — |
| Prudential FlexGuard 2.0 | 16.00% | — | — |
| Allianz Index Advantage + NF | 16.00% | — | — |
| Lincoln Level Advantage 2 B-Share (AV DB) | 16.00% | — | — |
| Jackson Market Link Pro III | 16.00% | — | — |
| Corebridge MarketLock | 16.00% | — | — |
| Brighthouse Shield Level Select II 6 | 16.00% | — | — |
| Transamerica Structured Index Advantage | 16.00% | — | — |
| Symetra Trek Plus | 16.00% | — | — |
| Principal Strategic Outcomes Enhanced | 15.00% | — | 0.95% |
| TruStage ZoneChoice Advantage | 15.00% | — | — |
| RiverSource Structured Solutions 2 6-Year | 14.75% | — | — |
| Equitable SCS Plus 21 | 14.00% | — | — |
| Principal Strategic Outcomes | 13.00% | — | — |
| Brighthouse Shield Level Select II 3 | 11.00% | — | — |
^Extra fees apply for ROP DB and lock-in election
1-Year Point-to-Point S&P 500® 20% Buffer
| Product | Cap Rate | Participation Rate | Fee Rate |
|---|---|---|---|
| Securian AccumuLink Advance | — | 65.00% | — |
| Athene Amplify® 3.0 | 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 + | 13.50% | — | 1.25% |
| Equitable SCS Premier | 13.50% | — | 1.25% |
| Nationwide Defender^ | 12.00% | — | — |
| Athene Amplify® 3.0 | 11.75% | — | — |
| Securian AccumuLink Advance | 11.50% | — | — |
| MassMutual Ascend Index Summit 6 | 11.50% | — | — |
| Lincoln Level Advantage 2 B-Share (AV DB) | 11.50% | — | — |
| Corebridge MarketLock | 11.50% | — | — |
| Global Atlantic ForeStructured Growth II | 11.00% | — | — |
| Allianz Index Advantage + NF | 11.00% | — | — |
| Principal Strategic Outcomes Enhanced | 10.50% | — | 0.95% |
| TruStage ZoneChoice Advantage | 10.50% | — | — |
| Jackson Market Link Pro III | 10.25% | — | — |
| RiverSource Structured Solutions 2 6-Year | 10.00% | — | — |
| Equitable SCS Plus 21 | 9.50% | — | — |
| Principal Strategic Outcomes | 8.50% | — | — |
^Extra fees apply for ROP DB and lock-in election
1-Year Dual Trigger S&P 500®
| Product | Buffer Rate | Cap Rate | Participation Rate | Fee Rate |
|---|---|---|---|---|
| Equitable SCS Premier | 40% | 5.50% | — | 1.25% |
| Allianz Index Advantage + | 20% | 8.10% | — | 1.25% |
| Equitable SCS Premier | 20% | 8.00% | — | 1.25% |
| Athene Amplify® 3.0 | 20% | 7.00% | — | — |
| RiverSource Structured Solutions 2 6-Year | 20% | 6.55% | — | — |
| Allianz Index Advantage + NF | 20% | 6.50% | — | — |
| Global Atlantic ForeStructured Growth II | 20% | 6.25% | — | — |
| Allianz Index Advantage + | 10% | 10.80% | — | 1.25% |
| Equitable SCS Premier | 10% | 10.50% | — | 1.25% |
| Aspida DreamPath | 10% | 10.25% | — | — |
| MassMutual Ascend Index Summit 6 Pro | 10% | 10.00% | — | 0.95% |
| Athene Amplify® 3.0 | 10% | 9.50% | — | — |
| RiverSource Structured Solutions 2 6-Year | 10% | 9.40% | — | — |
| Symetra Trek Plus | 10% | 9.25% | — | — |
| Global Atlantic ForeStructured Growth II | 10% | 9.00% | — | — |
| Equitable SCS Plus 21 | 10% | 9.00% | — | — |
| Allianz Index Advantage + NF | 10% | 8.80% | — | — |
| MassMutual Ascend Index Summit 6 | 10% | 8.00% | — | — |
| Brighthouse Shield Level Select II 6 | 10% | 8.00% | — | — |
| Lincoln Level Advantage 2 B-Share (AV DB) | 10% | 7.25% | — | — |
| Brighthouse Shield Level Select II 3 | 10% | 7.00% | — | — |