The July annuity landscape shifted meaningfully. Here are the four most important carrier moves and how they impact planning conversations you might already be having.
Annexus: 10% Compound Roll Up Just Increased on New Heights Select
The compound roll up on New Heights Select is now guaranteed for up to 12 years. Key highlights:
30% Benefit Base Bonus
10% Compound Roll Up
12 Year Roll Up window
A- Rated Carrier
Allianz: Inherited IRAs Deserve Another Look
Have your clients inherited a Roth or traditional IRA? Whether the IRA was inherited pre- or post-SECURE Act of 2019, several of Allianz's select annuities may offer additional benefits, such as:
Greater flexibility in legacy planning
Tax-deferred growth potential
A level of downside protection
Lincoln Financial: Significant FIA Rate Increase on OptiBlend 5
Effective Monday, July 27, Lincoln implemented a rate increase on OptiBlend 5. For clients allocating $100,000+, several of the most popular strategies have improved:
1-Year S&P 500 Cap: 10.00% · one of the most competitive caps available today
Fixed Account: 5.00%
1-Year S&P 500 10% DRC Trigger: 10.00%
1-Year S&P 500 Participation Rate: 52%
Multi-Year S&P 500 Participation Rate: 80%
Athene: Premium Bonus Rate Extension Through Aug. 6
Enhanced Premium Bonus rates on Athene Performance Elite 10 and 15 are now available through August 6th. Rates up to 26% and 34%respectively give clients more time to evaluate whether the opportunity aligns with their long-term retirement objectives.
Timing requirements:
Applications must be signed on or before August 6, 2026
Received by Athene in good order no later than 3 p.m. CT, August 20, 2026
All funds received by Athene no later than 3 p.m. CT, October 6, 2026
The Significance Shortlist
Your go-to guides for current rates, bonuses, and strategies:
Index Performance Review · Visual look at the growth and fluctuation patterns of top FIA indexes
Guaranteed Growth Guide · Highest MYGA rates available now, organized by term
Bonus Product Lineup · Carriers and products offering the strongest bonus opportunities
Recent Rate Changes (Increases)
For Financial Professional Use Only. Product features, rates, and bonuses are subject to change and may vary by state. Advisors should confirm current terms directly with each carrier before recommending. All firms should seek guidance from their applicable compliance resource prior to implementation.