Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

By goal · Legacy & death benefit

Annuities for legacy & death benefit.

Annuities with standard, enhanced, and benefit-base death benefits for what you leave behind. Compare the beneficiary-focused products side by side.

Top 5-year MYGA

6.30%

B++ or better, yield to surrender

FIA S&P cap
17.00%
Products for this goal
100
As of
Oct 26
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Compare these annuities

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Carrier
Income rider
Premium bonus
Type
Surrender
Showing 1 to 15 of 100 products
AllianzBuyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDERNO BONUS
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AllianzBuyers who want a comprehensive income-focused FIA that balances lifetime income, legacy planning, and accumulation potential
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 0.95% annually (limited to interest)NO BONUS
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NationwideBuyers who want a low-minimum, principal-protected FIA with a 7-index BAS crediting menu and the flexibility to add either an income or enhanced death benefit rider
A+
A.M. BEST
FIA8-YR SURRENDERINCOME RIDER 0.50% NO BONUS
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NationwideBuyers who want 3-year strategy terms for potentially higher growth, a 7-index BAS crediting menu, and optional income or death benefit riders
A+
A.M. BEST
FIA9-YR SURRENDERINCOME RIDER 0.50% NO BONUS
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AtheneBuyers who want a 10-year accumulation FIA with built-in income and death benefit features from a top-rated carrier
A+
A.M. BEST
FIA10-YR SURRENDERINCOME RIDERNO BONUS
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The StandardAccumulation-focused buyers who want a deep index-strategy menu, a lower $15,000 minimum premium, and the option to add an enhanced death benefit
A
A.M. BEST
FIA7-YR SURRENDERNO BONUS
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Mutual of OmahaBuyers who want a short 4-year FIA commitment, immediate free-withdrawal access, and a fee-free base contract without paying for a rider-based income guarantee they don't need
A+
A.M. BEST
FIA4-YR SURRENDERNO BONUS
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SagicorBuyers who want a 5-year FIA with competitive cap rates, a full-account-value death benefit, and a built-in nursing home/terminal illness waiver without paying rider fees
A
A.M. BEST
FIA5-YR SURRENDERNO BONUS
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AmericoBuyers who want a locked 7-year rate with zero contract fees, generous early liquidity, and a full-account-value death benefit
A
A.M. BEST
MYGA7-YR SURRENDERNO BONUS
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National Life GroupBuyers who want a fee-free base contract, a deep crediting menu, and a stronger-than-typical death benefit, without needing an income rider
A+
A.M. BEST
FIA5-YR SURRENDERNO BONUS
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NationwideYounger buyers with a very long time horizon who want the most aggressive crediting features including 3-year strategy terms and the highest EDB bonus
A+
A.M. BEST
FIA12-YR SURRENDERINCOME RIDER 0.50% NO BONUS
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AspidaBuyers who want a modern accumulation FIA with 20 crediting strategies including cutting-edge indices, plus an enhanced death benefit
A-
A.M. BEST
FIA10-YR SURRENDERNO BONUS
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AllianzBuyers who want a well-known income-focused FIA with a built-in income rider from a top-rated carrier
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDERNO BONUS
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MassMutual AscendConservative accumulation buyers who want a clean 10-year FIA with principal protection, a built-in return-of-premium guarantee, and carrier-grade credibility from a MassMutual subsidiary
A++
A.M. BEST
FIA10-YR SURRENDERNO BONUS
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IbexisRetirement savers using non-qualified or IRA money who want index-linked growth with principal protection, a full-account-value death benefit, and built-in relief for nursing-home or terminal-illness needs
A-
A.M. BEST
FIA10-YR SURRENDERNO BONUS
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Products are listed in our editorial order, not by rate or commission. Details are snapshots and reflect features as documented. Confirm current terms and state availability with the carrier. Information, not a quote or recommendation.

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