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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 06/03/2025.

6-Year S&P 500 10% Buffer

6-Year Buffer Cap Rate Participation Rate Fee Rate
Principal Strategic Outcomes Enhanced 132.00% 0.95%
糖心logo Amplify 2.0 125.00% 0.95%
Symetra Trek Plus 120.00% 1.00%
Allianz Index Advantage + 120.00% 1.25%
MassMutual Ascend Index Summit 6 Pro 115.00% 0.95%
糖心logo Amplify 2.0 NF 108.00%
Corebridge MarketLock 108.00%
Symetra Trek Plus 107.00%
Principal Strategic Outcomes 107.00%
TruStage ZoneChoice 105.00%
Symetra Trek Plus 105.00%
Nationwide Defender^ 105.00% 1.10%
Midland LiveWell Dynamic Annuity 105.00%
Lincoln Level Advantage 2 (AV DB) 105.00%
Jackson Market Link Pro III 103.00%
Transamerica Structured Index Advantage 100.00%
Pacific Protective Growth 100.00%
Global Atlantic ForeStructured Growth II 100.00%
F&G Confidence Builder 100.00%
Brighthouse - Shield II 6 100.00%
Allianz Index Advantage + NF 100.00%
MassMutual Ascend Index Summit 6 90.00%
Equitable SCS 21 500.00%

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

鈦 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 125.00%  0.95%
糖心logo Amplify 2.0 120.00% 0.95%
Symetra Trek Plus 115.00% 1.00%
Allianz Index Advantage + 115.00% 1.25%
Corebridge MarketLock 103.00%
糖心logo Amplify 2.0 NF   100.00%
TruStage ZoneChoice 100.00%
Symetra Trek Plus 100.00%
Principal Strategic Outcomes 100.00%
Pacific Protective Growth 100.00%
Nationwide Defender^ 100.00% 1.10%
MassMutual Ascend Index Summit 6 Pro 100.00% 0.95%
Global Atlantic ForeStructured Growth II* 98.00%
MassMutual Ascend Index Summit 6 85.00%
F&G Confidence Builder 500.00%
Global Atlantic ForeStructured Growth II* 300.00%
Jackson Market Link Pro II 115.00%
Transamerica Structured Index Advantage 110.00%
Prudential FlexGuard 100.00%
Midland LiveWell Dynamic Annuity 100.00%
Lincoln Level Advantage 2 (AV DB) 100.00%
Allianz Index Advantage + NF 100.00%
Equitable SCS 21 90.00%

^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
Global Atlantic ForeStructured Growth II* 80.00%
糖心logo Amplify 2.0 25.50% 0.95%
Allianz Index Advantage + 25.00% 1.25%
Symetra Trek Plus 21.00% 1.00%
MassMutual Ascend Index Summit 6 Pro 20.00% 0.95%
糖心logo Amplify 2.0 NF 18.25%
Nationwide Defender^ 18.00% 1.10%
Corebridge MarketLock 18.00%
Allianz Index Advantage + NF 18.00%
Symetra Trek Plus 17.25%
Global Atlantic ForeStructured Growth II* 17.25%
F&G Confidence Builder 17.25%
Transamerica Structured Index Advantage 16.50%
Brighthouse 鈥 Shield II 6 16.25%
TruStage ZoneChoice 16.00%
Prudential FlexGuard 16.00%
Midland LiveWell Dynamic Annuity 16.00%
MassMutual Ascend Index Summit 6 16.00%
Lincoln Level Advantage 2 (AV DB) 16.00%
Jackson Market Link Pro II 16.00%
Equitable SCS 21 16.00%
Principal Strategic Outcomes Enhanced 15.00% 0.95%
Pacific Protective Growth 15.00%
Principal Strategic Outcomes 13.00%
Brighthouse 鈥 Shield II 3 13.00%

^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
糖心logo Amplify 2.0 16.00% 0.95%
Allianz Index Advantage + 16.00% 1.25%
Corebridge MarketLock 14.00%
MassMutual Ascend Index Summit 6 Pro 13.50% 0.95%
Global Atlantic ForeStructured Growth II* 13.00%
糖心logo Amplify 2.0 NF 12.75%
Allianz Index Advantage + NF 12.50%
Nationwide Defender^ 12.00% 1.10%
F&G Confidence Builder 12.00%
Lincoln Level Advantage 2 (AV DB) 11.75%
Principal Strategic Outcomes Enhanced 11.50% 0.95%
MassMutual Ascend Index Summit 6 11.00%
Jackson Market Link Pro II 11.00%
Equitable SCS 21 11.00%  
Principal Strategic Outcomes 9.50%

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

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