California · updated August 7, 2026
In California, the state guaranty association covers annuity contract value up to $250,000 per owner per insurer. Below are the highest guaranteed rates filed for sale to California residents — up to 6.05% APY.
Get a personalized quoteGuaranty coverage limit
$250,000
Per owner, per insurer — the California guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →
Available in California
406 products · updated August 7, 2026
| # | Carrier | APYRate (APY) | |
|---|---|---|---|
| 1 | AspidaAdvisory MYGA · 7-yr | Advisory MYGA · 7-yr | 6.05% |
| 2 | Sentinel SecurityPersonal Choice ages 60+ · 5-yr | Personal Choice ages 60+ · 5-yr | 6.05% |
| 3 | Sentinel SecurityPersonal Choice ages 60+ · 7-yr | Personal Choice ages 60+ · 7-yr | 6.05% |
| 4 | Sentinel SecurityPersonal Choice ages 60+ · 10-yr | Personal Choice ages 60+ · 10-yr | 6.05% |
| 5 | Revol OneDirectGrowth MYGA · 5-yr | DirectGrowth MYGA · 5-yr | 5.90% |
| 6 | Revol OneDirectGrowth MYGA · 7-yr | DirectGrowth MYGA · 7-yr | 5.90% |
| 7 | AspidaAdvisory MYGA · 5-yr | Advisory MYGA · 5-yr | 5.85% |
| 8 | AxonicWaypoint MYGA · 5-yr | Waypoint MYGA · 5-yr | 5.80% |
| 9 | Revol OneDirectGrowth MYGA with Free Partial Surrender · 7-yr | DirectGrowth MYGA with Free Partial Surrender · 7-yr | 5.80% |
| 10 | Revol OneDirectGrowth MYGA with Free Partial Surrender · 5-yr | DirectGrowth MYGA with Free Partial Surrender · 5-yr | 5.80% |
| 11 | Ohio State LifeNex Multi-Year Guaranteed Annuity · 5-yr | Nex Multi-Year Guaranteed Annuity · 5-yr | 5.75% |
| 12 | American NationalPalladium MYG MAX · 6-yr | Palladium MYG MAX · 6-yr | 5.72% |
| 13 | AspidaSynergy Choice · 7-yr | Synergy Choice · 7-yr | 5.70% |
| 14 | Oxford LifeMulti-Select MYGA · 6-yr | Multi-Select MYGA · 6-yr | 5.70% |
| 15 | Sentinel SecurityPersonal Choice ages 60+ · 3-yr | Personal Choice ages 60+ · 3-yr | 5.70% |
| 16 | KnightheadStaysail MYGA · 5-yr | Staysail MYGA · 5-yr | 5.67% |
| 17 | AspidaSynergy Choice · 5-yr | Synergy Choice · 5-yr | 5.65% |
| 18 | OceanviewHarbourview MYGA · 10-yr | Harbourview MYGA · 10-yr | 5.65% |
| 19 | SBLIECAccumulate · 5-yr | ECAccumulate · 5-yr | 5.65% |
| 20 | KnightheadStaysail MYGA · 7-yr | Staysail MYGA · 7-yr | 5.65% |
| 21 | MidlandOak ADVantage · 5-yr | Oak ADVantage · 5-yr | 5.60% |
| 22 | AxonicIncline MYGA · 5-yr | Incline MYGA · 5-yr | 5.60% |
| 23 | American NationalPalladium MYG · 6-yr | Palladium MYG · 6-yr | 5.57% |
| 24 | EquiTrustCertainty Select · 10-yr | Certainty Select · 10-yr | 5.55% |
| 25 | NassauMYAnnuity with 0% FW · 7-yr | MYAnnuity with 0% FW · 7-yr | 5.55% |
| 26 | SagicorMilestone MYGA · 7-yr | Milestone MYGA · 7-yr | 5.55% |
| 27 | American NationalPalladium MYG MAX · 7-yr | Palladium MYG MAX · 7-yr | 5.55% |
| 28 | AxonicWaypoint MYGA · 10-yr | Waypoint MYGA · 10-yr | 5.50% |
| 29 | AxonicWaypoint MYGA · 7-yr | Waypoint MYGA · 7-yr | 5.50% |
| 30 | ELCO MutualGuardian Eagle · 5-yr | Guardian Eagle · 5-yr | 5.50% |
| 31 | AxonicWaypoint MYGA · 3-yr | Waypoint MYGA · 3-yr | 5.50% |
| 32 | AspidaWealthLock MYGA · 7-yr | WealthLock MYGA · 7-yr | 5.50% |
| 33 | Oxford LifeMulti-Select MYGA · 7-yr | Multi-Select MYGA · 7-yr | 5.50% |
| 34 | NassauSimple Annuity · 6-yr | Simple Annuity · 6-yr | 5.50% |
| 35 | MidlandLiveWell Guarantee Max · 5-yr | LiveWell Guarantee Max · 5-yr | 5.50% |
| 36 | Ohio State LifeNex Multi-Year Guaranteed Annuity · 3-yr | Nex Multi-Year Guaranteed Annuity · 3-yr | 5.50% |
| 37 | EquiTrustCertainty Select · 8-yr | Certainty Select · 8-yr | 5.50% |
| 38 | NassauMYAnnuity with 0% FW · 5-yr | MYAnnuity with 0% FW · 5-yr | 5.50% |
| 39 | AuguStarLunarLock · 5-yr | LunarLock · 5-yr | 5.50% |
| 40 | MidlandOak ADVantage · 7-yr | Oak ADVantage · 7-yr | 5.50% |
Browse by carrier
76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.
See the top rates ranked → · or compare side by side.
Browse by state
Each state's guaranty coverage limit and the top annuity rates filed for sale there.
We'll show the exact rate you qualify for in California — and a licensed human, appointed here, who can place it.
Get my quote