Thirty-eight carriers, sorted by the only number that survives forty years.
Rate tables sort by yield, which puts a B+ carrier above an A++ mutual and tells you nothing about why. This sorts the other way. Each tier below explains what it trades away to offer what it offers — and every grade links to the page where we show the rating action and the date we checked it.
All 38 carriers, by AM Best tier.
The top of AM Best's 13-point scale. Every carrier here is a mutual or member-owned company, which is not a coincidence — no outside shareholders means no pressure to price for quarterly returns. You pay for that strength in lower crediting rates, and for some buyers that is exactly the right trade.
Still in the Superior band. This tier holds the largest names in the distribution channels most buyers encounter, and the widest product ranges — indexed, variable, and registered index-linked contracts alongside plain fixed.
One notch below Superior, and the tier where private-capital ownership becomes common. That is not a defect — several of these carriers are among the largest annuity writers in the country — but ownership structure and reinsurance arrangements are worth reading on each page.
The workhorse tier of the fixed annuity market, and where most genuine MYGA shopping happens. Rates are typically better than the A+ band, and the grade still clears the A− floor most planners apply. Three of these carriers currently carry rating actions worth reading before you buy.
Below the A band. Carriers here compete on rate because they must, and the increment over an A-rated contract is your compensation for the credit profile. The trade is defensible at the right size — inside your state guaranty association limit, with room to spare.
Two grades below A−. These carriers have periodically topped national MYGA rate boards outright, which is the market working as designed rather than an anomaly. Everything on this tier's pages is written around one discipline: size the premium inside the guaranty limit, or do not buy it.
Distributors and platforms, not carriers. The company whose name is on the brochure is not always the company standing behind the guarantee, and knowing which is which is the first question on any contract.
A rating is a snapshot with an expiry. Two carriers on this page carry negative outlooks revised in mid-2026, one was recently removed from under review, and one is reported inconsistently across rate aggregators. Each of those facts is stated on the carrier's own page with the month we checked it. A rating without a date is not a rating.
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