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.

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Showing 1–15 of 98 products

Product	Type	Rating	Surrender	Income rider	Bonus
Investor Advantage RIA Class Lincoln · Investors working with a fee-only or fee-based advisor who want tax-deferred growth in low-cost subaccounts without surrender charges or sales commissions	Variable	★ 4.4	0-yr	—	—	View →
American Equity EstateShield 10 American Equity · Buyers who want no-fee lifetime income, increasing payout potential, a Wellbeing Benefit, and enhanced legacy options	Income	★ 4.3	10-yr	Yes No fee	—	View →
Nationwide New Heights Select 10 Nationwide · Buyers who want the most competitive crediting terms in the standard New Heights Select line with full rider flexibility and broad state availability	FIA	★ 4.3	10-yr	Yes 0.95% (income) or 0.50% (EDB)	3% (EDB with Bonus rider)	View →
Allianz 222+ Allianz · Buyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position	Income	★ 4.3	10-yr	Yes Built into product design	Varies	View →
Allianz 360 Allianz · Buyers who want a comprehensive income-focused FIA that balances lifetime income, legacy planning, and accumulation potential	Income	★ 4.3	10-yr	Yes Built into product design	—	View →
Nationwide New Heights Select 8 Nationwide · Buyers 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	FIA	★ 4.2	8-yr	Yes 0.95% (income) or 0.50% (EDB)	—	View →
Nationwide New Heights Select 9 Nationwide · Buyers who want 3-year strategy terms for potentially higher growth, a 7-index BAS crediting menu, and optional income or death benefit riders	FIA	★ 4.2	9-yr	Yes 0.95% (income) or 0.50% (EDB)	4% (EDB with Bonus rider)	View →
Athene Agility 10 Athene · Buyers who want a 10-year accumulation FIA with built-in income and death benefit features from a top-rated carrier	FIA	★ 4.2	10-yr	Yes Built into product design	—	View →
MYG 5-Year with ROP Athene · Conservative savers who want a locked 5-year rate, a return-of-premium safety net, and a clean death benefit without index exposure or rider complexity	MYGA	A+	5-yr	—	—	View →
American Equity EstateShield 9 American Equity · Buyers who want guaranteed lifetime income with meaningful legacy benefits for beneficiaries	Income	★ 4.1	9-yr	Yes No fee	—	View →
Nationwide New Heights Select 12 Nationwide · Younger buyers with a very long time horizon who want the most aggressive crediting features including 3-year strategy terms and the highest EDB bonus	FIA	★ 4.1	12-yr	Yes 0.95% (income) or 0.55% (EDB)	5% (EDB with Bonus rider)	View →
Aspida Synergy Choice Max Aspida · Buyers who want a modern accumulation FIA with 20 crediting strategies including cutting-edge indices, plus an enhanced death benefit	FIA	★ 4.1	10-yr	—	—	View →
Allianz 222 Allianz · Buyers who want a well-known income-focused FIA with a built-in income rider from a top-rated carrier	Income	★ 4.1	10-yr	Yes Built into product design	—	View →
Principal Pivot Series Variable Annuity Principal Life · Buyers who want broad market access inside an annuity wrapper, a relatively short surrender period, and the option to add a step-up or return-of-premium death benefit	Variable	★ 4.1	5-yr	—	—	View →
Level Advantage 2 Advisory Principal Guarantee Death Benefit Lincoln · Fee-based advisory clients who want index-linked growth with a chosen amount of downside protection and a no-surrender, fee-only contract	FIA	★ 4.1	0-yr	—	—	View →

Products are ranked by our editorial star rating, not by rate or commission. Ratings 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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