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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 04/14/2025.

6-Year S&P 500® 10% Buffer

6-Year Buffer Cap Rate Participation Rate Fee Rate
Principal Strategic Outcomes Enhanced — 132.00% 0.95%
Âé¶¹´«Ã½Â® Amplify 2.0 — 120.00% 0.95%
Nationwide Defender^ — 120.00% 1.10%
MassMutual Ascend Index Summit 6 Pro — 115.00% 0.95%
Allianz Index Advantage + — 115.00% 1.25%
Symetra Trek Plus — 112.00% 1.00%
Corebridge MarketLock — 108.00% —
Principal Strategic Outcomes — 107.00% —
TruStage ZoneChoice — 105.00% —
Midland LiveWell Dynamic Annuity — 105.00% —
Lincoln Level Advantage 2 (AV DB) — 105.00% —
Âé¶¹´«Ã½Â® Amplify 2.0 NF — 100.00% —
Transamerica Structured Index Advantage — 100.00% —
Symetra Trek Plus — 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% —
MassMutual Ascend Index Summit 6 — 90.00% —
Corebridge MarketLock 600.00% — —
Equitable SCS 21 500.00% — —
Jackson Market Link Pro II 400.00% — —
Allianz Index Advantage + NF 110.00% — —

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

⺠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%
Âé¶¹´«Ã½Â® Amplify 2.0 — 110.00% 0.95%
Nationwide Defender^ — 110.00% 1.10%
Allianz Index Advantage + — 110.00% 1.25%
Symetra Trek Plus — 105.00% 1.00%
TruStage ZoneChoice — 100.00% —
Principal Strategic Outcomes — 100.00% —
Pacific Protective Growth — 100.00% —
MassMutual Ascend Index Summit 6 Pro — 100.00% 0.95%
Corebridge MarketLock — 100.00% —
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% — —
Corebridge MarketLock 300.00% — —
Âé¶¹´«Ã½Â® Amplify 2.0 NF 120.00% — —
Jackson Market Link Pro II 115.00% — —
Transamerica Structured Index Advantage 110.00% — —
Symetra Trek Plus 100.00% — —
Prudential FlexGuard 100.00% — —
Midland LiveWell Dynamic Annuity 100.00% — —
Lincoln Level Advantage 2 (AV DB) 100.00% — —
Equitable SCS 21 90.00% — —
Allianz Index Advantage + NF 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% —
Âé¶¹´«Ã½Â® Amplify 2.0 25.00% — 0.95%
Nationwide Defender^ 24.50% — 1.10%
Allianz Index Advantage + 20.75% — 1.25%
Symetra Trek Plus 18.00% — 1.00%
Corebridge MarketLock 17.50% — —
Âé¶¹´«Ã½Â® Amplify 2.0 NF 17.25% — —
Global Atlantic ForeStructured Growth II* 17.25% — —
F&G Confidence Builder 17.25% — —
MassMutual Ascend Index Summit 6 Pro 16.50% — 0.95%
Lincoln Level Advantage 2 (AV DB) 16.00% — —
Jackson Market Link Pro II 15.50% — —
Symetra Trek Plus 15.00% — —
Principal Strategic Outcomes Enhanced 15.00% — 0.95%
Pacific Protective Growth 15.00% — —
Allianz Index Advantage + NF 15.00% — —
Brighthouse – Shield II 6 14.25% — —
TruStage ZoneChoice 14.00% — —
Transamerica Structured Index Advantage 14.00% — —
Equitable SCS 21 13.50% — —
Prudential FlexGuard 13.00% — —
Principal Strategic Outcomes 13.00% — —
Midland LiveWell Dynamic Annuity 13.00% — —
MassMutual Ascend Index Summit 6 13.00% — —
Brighthouse – Shield II 3 11.50% — —

^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
Âé¶¹´«Ã½Â® Amplify 2.0 15.00% — 0.95%
Nationwide Defender^ 14.00% — 1.10%
Corebridge MarketLock 13.25% — —
Allianz Index Advantage + 13.25% — 1.25%
Global Atlantic ForeStructured Growth II* 13.00% — —
MassMutual Ascend Index Summit 6 Pro 12.00% — 0.95%
F&G Confidence Builder 12.00% — —
Lincoln Level Advantage 2 (AV DB) 11.75% — —
Principal Strategic Outcomes Enhanced 11.50% — 0.95%
Âé¶¹´«Ã½Â® Amplify 2.0 NF 11.25% — —
Jackson Market Link Pro II 11.00% — —
Equitable SCS 21 10.00% —  
Allianz Index Advantage + NF 10.00% — —
Principal Strategic Outcomes 9.50% — —
MassMutual Ascend Index Summit 6 9.50% — —

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

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