#1 Rated
Athene Annuity
AM Best A+|★ 4.8/5
Leading retirement services company with top-rated fixed and indexed annuities.
Independent. Carrier-neutral. Built to compare, not sell.
Annuities, compared without the sales pitch.
Independent reviews of 735+ annuities from 67 top-rated carriers. Real rates, real math, written for the person writing the check — not the person selling the product.
Takes 2 minutes No obligation Licensed in 9 states (TX, CO, IL, MA, MD, MI, MN, NC, OH)
From our 2026 review
A $500K premium at age 62. 7 carriers, 7 answers.
The spread between the highest- and lowest-paying carrier in our review: $1,346 a month. For life.
01
The rate ticker, written for humans
Today's top rates · updated daily
| Product | Carrier | AM Best | Term | Rate / payout | Score | |
|---|---|---|---|---|---|---|
| Delaware Life Pinnacle Plus 10-Year | Delaware Life | A- | 10 yr MYGA | 5.45% APY | — | Review |
| Multi-Select 6 | Oxford Life | A | 6 yr MYGA | 5.70% APY | — | Review |
| Platinum Assure 7 | Americo | A | 7 yr MYGA | 5.50% APY | — | Review |
| SecureGain 7 (2025) | MassMutual Ascend | A++ | 7 yr MYGA | 4.70% APY | — | Review |
| Guarantee Pro 5-Year | Midland National | A+ | 5 yr MYGA | 5.40% APY | — | Review |
| Power 10 Protector Plus Income | Corebridge | A | 10 yr income | $5,558/mo | 84 | Review |
| Income Planning Annuity | Midland National | A+ | 10 yr income | $4,917/mo | 84 | Review |
02
The carriers worth your attention this month
#2 Rated
American Equity
AM Best A|★ 4.6/5
#3 Rated
Allianz Life
AM Best A+|★ 4.5/5
#4 Rated
Mutual of Omaha
AM Best A+|★ 4.5/5
03
How it works
Three steps, sixty seconds.
- 01Tell us your goal
Income now, growth, or protection. One question, plain English.
- 02We score 735+ annuities
Real, daily rate data — fees, payouts, and carrier strength compared.
- 03You pick, or we match you
Read the reviews yourself, or talk to a licensed insurance professional — your call.
04
Why Annuity Atlas
The old way vs. a better one.
| What you get | Traditional advisor | Annuity Atlas |
|---|---|---|
| Compares 735+ products at once | — | ● |
| Real-time rate data, updated daily | — | ● |
| Transparent fee breakdowns | — | ● |
| Not tied to one carrier | — | ● |
| No cost to you | — | ● |
| AM Best & S&P strength ratings | — | ● |
05
Our methodology
We publish exactly how we score every product.
Every annuity we review is scored on seven criteria — rates, fees, flexibility, carrier strength, rider quality, surrender terms, and payout competitiveness. No weightings are hidden. No carrier can buy a higher rating.
- Rates & caps20%
- Fees & expenses18%
- Payout strength18%
- Rider quality14%
- Carrier financial strength14%
- Surrender flexibility10%
- Contract clarity6%
06
How we make money
Paid by carriers. Answerable to you.
We earn commissions
When you purchase an annuity through our licensed team, the issuing insurance company pays a commission. You never pay us directly — but it is a conflict of interest, and we'd rather say so plainly.
Ratings aren't for sale
Editorial scores come from the published methodology on the left. No carrier can pay for a rating, and commission size never enters the scoring.
Real reviews, or none
On-camera reader interviews are in production. Until they're ready, we publish no testimonials at all — never a fabricated quote.
Ready when you are
Your retirement deserves
a second opinion.
Free. Takes two minutes. A licensed insurance professional will walk you through your top matches — no sales pitch, no pressure.