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RILA Rate Comparison Tool

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

Rates current as of 05/04/2026.

6-Year Point-to-Point S&P 500ยฎ 10% Buffer

6-Year Buffer Cap Rate Participation Rate Fee Rate
911ฑฌมฯอ๘ Amplifyยฎ 3.0 โ€” 125.00% 0.95%
Principal Strategic Outcomes Enhanced โ€” 125.00% 0.95%
Brighthouse Shield Level Select II 6 โ€” 121.00% 1.25%
Equitable SCS Premier โ€” 117.00% 1.25%
Allianz Index Advantage + โ€” 115.00% 1.25%
Symetra Trek Plus โ€” 115.00% 1.00%
Securian AccumuLink Advance โ€” 111.00% โ€”
911ฑฌมฯอ๘ Amplifyยฎ 3.0 โ€” 110.00% โ€”
Aspida DreamPath โ€” 110.00% โ€”
MassMutual Ascend Index Summit 6 Pro โ€” 110.00% 0.95%
RiverSource Structured Solutions 2 6-Year โ€” 106.00% 1.00%
Midland LiveWell Dynamic Annuity โ€” 105.00% โ€”
Jackson Market Link Pro III โ€” 102.00% โ€”
Principal Strategic Outcomes โ€” 102.00% โ€”
TruStage ZoneChoice Advantage โ€” 102.00% โ€”
F&G Confidence Builder โ€” 100.00% โ€”
Nationwide Defender^ โ€” 100.00% โ€”
MassMutual Ascend Index Summit 6 โ€” 100.00% โ€”
Lincoln Level Advantage 2 B-Share (AV DB) โ€” 100.00% โ€”
Corebridge MarketLock โ€” 100.00% โ€”
Pacific Protective Growth โ€” 100.00% โ€”
Brighthouse Shield Level Select II 6 โ€” 100.00% โ€”
Symetra Trek Plus โ€” 100.00% โ€”
Global Atlantic ForeStructured Growth II โ€” 90.00% โ€”
Aspida DreamPath 500.00% โ€” โ€”
Allianz Index Advantage + NF 400.00% โ€” โ€”
Equitable SCS Plus 21 300.00% โ€” โ€”
Transamerica Structured Index Advantage 250.00% โ€” โ€”
RiverSource Structured Solutions 2 6-Year 100.00% โ€” 0.35%
RiverSource Structured Solutions 2 6-Year 80.00% โ€” โ€”
Prudential FlexGuard 2.0 70.00% 125.00% โ€”

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

 

 

6-Year Point-to-Point S&P 500ยฎ 20% Buffer

Product Cap Rate Participation Rate Fee Rate
911ฑฌมฯอ๘ Amplifyยฎ 3.0 โ€” 115.00% 0.95%
Principal Strategic Outcomes Enhanced โ€” 115.00% 0.95%
Allianz Index Advantage + โ€” 110.00% 1.25%
Symetra Trek Plus โ€” 105.00% 1.00%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 โ€” 100.00% โ€”
Aspida DreamPath โ€” 100.00% โ€”
MassMutual Ascend Index Summit 6 Pro โ€” 100.00% 0.95%
Securian AccumuLink Advance โ€” 95.00% โ€”
Global Atlantic ForeStructured Growth II โ€” 92.00% โ€”
Principal Strategic Outcomes โ€” 90.00% โ€”
F&G Confidence Builder 500.00% โ€” โ€”
Aspida DreamPath 300.00% โ€” โ€”
TruStage ZoneChoice Advantage 200.00% โ€” โ€”
Equitable SCS Premier 150.00% 110.00% 1.25%
Corebridge MarketLock 125.00% โ€” โ€”
Global Atlantic ForeStructured Growth II 105.00% โ€” โ€”
Nationwide Defender^ 100.00% โ€” โ€”
Pacific Protective Growth 100.00% โ€” โ€”
Symetra Trek Plus 100.00% 90.00% โ€”
Allianz Index Advantage + NF 90.00% โ€” โ€”
Midland LiveWell Dynamic Annuity 90.00% โ€” โ€”
Transamerica Structured Index Advantage 85.00% โ€” โ€”
Prudential FlexGuard 2.0 80.00% โ€” โ€”
MassMutual Ascend Index Summit 6 80.00% โ€” โ€”
Jackson Market Link Pro III 80.00% โ€” โ€”
Equitable SCS Plus 21 75.00% โ€” โ€”
Lincoln Level Advantage 2 B-Share (AV DB) 70.00% โ€” โ€”
Prudential FlexGuard 2.0 65.00% 110.00% โ€”

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

 

 6-Year Dual Trigger S&P 500ยฎ

Product Buffer Rate Cap Rate Participation Rate Fee Rate
Equitable SCS Premier 40% 40.00% โ€” 1.25%
Allianz Index Advantage + 30% 42.00% โ€” 1.25%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 30% 41.00% โ€” โ€”
Allianz Index Advantage + NF 30% 32.00% โ€” โ€”
Equitable SCS Premier 20% 50.00% โ€” 1.25%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 20% 47.00% โ€” โ€”
Allianz Index Advantage + 20% 47.00% โ€” 1.25%
TruStage ZoneChoice Advantage 20% 42.00% โ€” โ€”
Allianz Index Advantage + NF 20% 36.00% โ€” โ€”
Equitable SCS Premier 10% 60.00% โ€” 1.25%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 10% 54.00% โ€” โ€”
Allianz Index Advantage + 10% 53.00% โ€” 1.25%
TruStage ZoneChoice Advantage 10% 50.00% โ€” โ€”
Allianz Index Advantage + NF 10% 42.00% โ€” โ€”

 

1-Year Point-to-Point S&P 500ยฎ 10% Buffer

Product Cap Rate Participation Rate Fee Rate
Securian AccumuLink Advance โ€” 83.00% โ€”
Global Atlantic ForeStructured Growth II โ€” 80.00% โ€”
911ฑฌมฯอ๘ Amplifyยฎ 3.0 25.50% โ€” 0.95%
MassMutual Ascend Index Summit 6 Pro 23.25% โ€” 0.95%
Allianz Index Advantage + 22.50% โ€” 1.25%
Equitable SCS Premier 21.00% โ€” 1.25%
Symetra Trek Plus 21.00% โ€” 1.00%
Aspida DreamPath 20.50% โ€” โ€”
F&G Confidence Builder 20.25% โ€” โ€”
Nationwide Defender^ 18.00% โ€” โ€”
Securian AccumuLink Advance 17.00% โ€” โ€”
911ฑฌมฯอ๘ Amplifyยฎ 3.0 17.00% โ€” โ€”
MassMutual Ascend Index Summit 6 17.00% โ€” โ€”
Midland LiveWell Dynamic Annuity 16.50% โ€” โ€”
Pacific Protective Growth 16.50% โ€” โ€”
Global Atlantic ForeStructured Growth II 16.25% โ€” โ€”
Prudential FlexGuard 2.0 16.00% โ€” โ€”
Allianz Index Advantage + NF 16.00% โ€” โ€”
Lincoln Level Advantage 2 B-Share (AV DB) 16.00% โ€” โ€”
Jackson Market Link Pro III 16.00% โ€” โ€”
Corebridge MarketLock 16.00% โ€” โ€”
Brighthouse Shield Level Select II 6 16.00% โ€” โ€”
Transamerica Structured Index Advantage 16.00% โ€” โ€”
Symetra Trek Plus 16.00% โ€” โ€”
Principal Strategic Outcomes Enhanced 15.00% โ€” 0.95%
TruStage ZoneChoice Advantage 15.00% โ€” โ€”
RiverSource Structured Solutions 2 6-Year 14.75% โ€” โ€”
Equitable SCS Plus 21 14.00% โ€” โ€”
Principal Strategic Outcomes 13.00% โ€” โ€”
Brighthouse Shield Level Select II 3 11.00% โ€” โ€”

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

 

 

1-Year Point-to-Point S&P 500ยฎ 20% Buffer

Product Cap Rate Participation Rate Fee Rate
Securian AccumuLink Advance โ€” 65.00% โ€”
911ฑฌมฯอ๘ Amplifyยฎ 3.0 15.00% โ€” 0.95%
Aspida DreamPath 14.50% โ€” โ€”
F&G Confidence Builder 14.25% โ€” โ€”
MassMutual Ascend Index Summit 6 Pro 14.00% โ€” 0.95%
Allianz Index Advantage + 13.50% โ€” 1.25%
Equitable SCS Premier 13.50% โ€” 1.25%
Nationwide Defender^ 12.00% โ€” โ€”
911ฑฌมฯอ๘ Amplifyยฎ 3.0 11.75% โ€” โ€”
Securian AccumuLink Advance 11.50% โ€” โ€”
MassMutual Ascend Index Summit 6 11.50% โ€” โ€”
Lincoln Level Advantage 2 B-Share (AV DB) 11.50% โ€” โ€”
Corebridge MarketLock 11.50% โ€” โ€”
Global Atlantic ForeStructured Growth II 11.00% โ€” โ€”
Allianz Index Advantage + NF 11.00% โ€” โ€”
Principal Strategic Outcomes Enhanced 10.50% โ€” 0.95%
TruStage ZoneChoice Advantage 10.50% โ€” โ€”
Jackson Market Link Pro III 10.25% โ€” โ€”
RiverSource Structured Solutions 2 6-Year 10.00% โ€” โ€”
Equitable SCS Plus 21 9.50% โ€” โ€”
Principal Strategic Outcomes 8.50% โ€” โ€”

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

 

 

1-Year Dual Trigger S&P 500ยฎ

Product Buffer Rate Cap Rate Participation Rate Fee Rate
Equitable SCS Premier 40% 5.50% โ€” 1.25%
Allianz Index Advantage + 20% 8.10% โ€” 1.25%
Equitable SCS Premier 20% 8.00% โ€” 1.25%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 20% 7.00% โ€” โ€”
RiverSource Structured Solutions 2 6-Year 20% 6.55% โ€” โ€”
Allianz Index Advantage + NF 20% 6.50% โ€” โ€”
Global Atlantic ForeStructured Growth II 20% 6.25% โ€” โ€”
Allianz Index Advantage + 10% 10.80% โ€” 1.25%
Equitable SCS Premier 10% 10.50% โ€” 1.25%
Aspida DreamPath 10% 10.25% โ€” โ€”
MassMutual Ascend Index Summit 6 Pro 10% 10.00% โ€” 0.95%
911ฑฌมฯอ๘ Amplifyยฎ 3.0 10% 9.50% โ€” โ€”
RiverSource Structured Solutions 2 6-Year 10% 9.40% โ€” โ€”
Symetra Trek Plus 10% 9.25% โ€” โ€”
Global Atlantic ForeStructured Growth II 10% 9.00% โ€” โ€”
Equitable SCS Plus 21 10% 9.00% โ€” โ€”
Allianz Index Advantage + NF 10% 8.80% โ€” โ€”
MassMutual Ascend Index Summit 6 10% 8.00% โ€” โ€”
Brighthouse Shield Level Select II 6 10% 8.00% โ€” โ€”
Lincoln Level Advantage 2 B-Share (AV DB) 10% 7.25% โ€” โ€”
Brighthouse Shield Level Select II 3 10% 7.00% โ€” โ€”

The information presented concerning other carriers' products is not intended to be a comprehensive evaluation or comparison of different products. It is intended to provide comparative information on specific aspects of similar products. Customers should examine all aspects of the annuity product and available riders that they are considering. Competitor information is current and accurate to the best of our knowledge as of date shown above. Rates obtained from individual carrier websites and subject to change.

Descriptions not furnished by the carriers listed. Contact the individual carriers with questions.

Registered index-linked annuities can only be marketed and sold by 
securities licensed financial professionals. They are designed to be longterm investment products used to help provide income for retirement. They are not appropriate as short-term investments. There is a risk of substantial loss of principal and related earnings depending on the Segment Options to which the Purchase Payment is allocated. In the event of negative index performance, Segment Credits may be negative after application of the Buffer Rate and the Contract Owner bears the portion of loss that exceeds that rate.

Segment Options: Segment Options include Index-Linked Segment Options and a Fixed Segment Option, each with a Segment Term Period. Each IndexLinked Segment Option will also have an Index or Indices, a Buffer Rate, a Cap Rate and a Participation Rate, or a Trigger Rate and may be subject to a Segment Fee.

Segment Term Period: Duration over which Segment Credits are calculated.

Participation Rate: A percentage that is multiplied by a positive index change, after the application of the Cap Rate, to calculate the Segment Credit. For Dual Direction Segment Options, the Downside Participation Rate applies to the absolute value of a negative index change that is fully offset by the Buffer Rate. The Downside Participation Rate is equal to the Participation Rate that applies to a positive index change.

Cap Rate: The maximum positive index change that will be used in the calculation of Segment Credits that may be applied to a Segment Option.

Trigger Rate: A rate used in the calculation of Trigger and Dual Trigger Segment Options to determine a positive Segment Credit when index change is greater than or equal to a threshold specified by the strategy.

Buffer Rate: A level of protection from potential market loss up to a Buffer Rate. Losses in excess of the Buffer Rate will reduce your Base Segment Value

S&P 500 Index โ€ข The S&P 500ยฎ Index (the โ€œIndexโ€) is a product of S&P Dow Jones Indices LLC or its affiliates (โ€œS&P DJIโ€) and has been licensed for use by 911ฑฌมฯอ๘ Annuity and Life Company (โ€œ911ฑฌมฯอ๘โ€). S&Pยฎ, S&P 500ยฎ, SPXยฎ, US 500, The 500, iBoxxยฎ, iTraxxยฎ and CDXยฎ are trademarks of S&P Global, Inc. or its affiliates (โ€œS&Pโ€); Dow Jonesยฎ is a registered trademark of Dow Jones Trademark Holdings LLC (โ€œDow Jonesโ€). 911ฑฌมฯอ๘โ€™s products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

For a prospectus, visit 911ฑฌมฯอ๘.com/Amplify3.

911ฑฌมฯอ๘ Amplify 3.0 ICC25 RIA III (05/26)/RIA III (05/26), ICC25 CS III (05/26)/ CS III (05/26), ICC25 CW III (05/26)/CW III (05/26), ICC25 TIW III (05/26)/TIW III (05/26), ICC25 SCS III (05/26)/SCS III (05/26), ICC25 Fixed III (05/26)/Fixed III (05/26), ICC25 Buffer PTP III (05/26)/Buffer PTP III (05/26), ICC25 Performance Blend III (05/26)/Performance Blend III (05/26), ICC25 Dual Direction III (05/26)/Dual Direction III (05/26), ICC25 Trigger III (05/26)/Trigger III (05/26), ICC25 Dual Trigger III (05/26)/Dual Trigger III (05/26), ICC25 GMDB III (05/26)/GMDB III (05/26), ICC25 Performance Lock III (05/26)/Performance Lock III (05/26) or state variations issued by 911ฑฌมฯอ๘ Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate 911ฑฌมฯอ๘ Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the prospectus for details. Product not available in all states.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

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