Guaranteed income · By goal
Compare guaranteed income for life
See which annuities are designed to provide dependable lifetime income based on your age, whether you want income for one life or two, your state, and when you want payments to begin.
Get your guaranteed income quote
- Personalized by age & single/joint
- Immediate or deferred income
- State-specific options
100% free. No pressure. Takes 2 minutes.
Income annuities available right now
Income-rider and immediate-income annuities from our reviewed lineup. Filter by your state, age, term, and carrier strength — the income figure is benchmarked guaranteed annual income per $100,000.
| Product | Type | A.M. Best | Term | Issue ages | Income / $100k | Rating | |
|---|---|---|---|---|---|---|---|
| Athene Ascent Pro 10 Athene | FIA | A+ | 10-yr | 0-85 | $11,175 | ★ 4.2 | View → |
| American Equity IncomeShield 10 American Equity | Income | A | 10-yr | 40–80 | $10,950 | ★ 4.2 | View → |
| Nationwide Peak 10 Nationwide | FIA | A+ | 10-yr | 0–85 | $10,938 | ★ 4.1 | View → |
| Allianz Retirement Foundation ADV Allianz | Income | A+ | 7-yr | 0-80 | $10,450 | ★ 4.5 | View → |
| Protective Income Builder Protective Life | Income | A+ | 7-yr | 50-85 | $9,975 | ★ 4.3 | View → |
| Nationwide INCOME Promise Select Nationwide | Income | A+ | 0-yr | 0–95 | — | ★ 4.4 | View → |
| Allianz Core Income 7 Allianz | Income | A+ | 7-yr | 0-80 | — | ★ 4.4 | View → |
| American National Select Income Focus 7 American National | Income | A | 7-yr | 50-80 | — | ★ 4.4 | View → |
| Allianz Index Advantage Income ADV Allianz | FIA | A+ | 0-yr | 0-80 | — | ★ 4.4 | View → |
| Investor Advantage RIA Class Lincoln | Variable | A | 0-yr | 0-90 | — | ★ 4.4 | View → |
| American Equity EstateShield 10 American Equity | Income | A | 10-yr | 40–75 | — | ★ 4.3 | View → |
| Nationwide New Heights Select 10 Nationwide | FIA | A+ | 10-yr | 0–80 | — | ★ 4.3 | View → |
What affects your guaranteed income quote
If your goal is dependable income in retirement, not all annuities are the same. Some are built to start income soon. Others are designed to let you wait and turn income on later. The amount you may receive can change based on these factors.
Your age
Income payouts often change based on the age when payments begin.
Single vs. joint life
Income for one person usually quotes differently than income built to last for both spouses.
When you start income
Some products can provide larger future income when payments are deferred.
Your state
Some annuities, riders, and features are not available in every state.
Income design
Payout options such as life only, joint life, or other guarantees can change the quote.
Who this is for
This page may be helpful if you want to:
- Turn part of your savings into predictable retirement income
- Compare income for one spouse versus both spouses
- See whether waiting to start income may improve your quote
- Find options designed to help protect against outliving your money
- Review products available in your state before requesting a personalized quote
David and Susan wanted more certainty
David, 67, and Susan, 65, were nearing full retirement and wanted to know how much dependable income they could create from a portion of their savings. Their biggest question was whether it made more sense to quote income for David alone or choose joint lifetime income that could continue for both of them.
By comparing their options side by side, they could focus on the annuities built to provide the kind of guaranteed income they were looking for.
Best for
Couples deciding between single-life and joint-life income, or weighing income now versus a few years out.
Before choosing an income annuity, compare the details
The highest starting income is not always the only thing that matters. Some options are designed to maximize income right away; others offer different tradeoffs, such as deferral flexibility, optional rider features, or choices about how income is paid. It is also important to understand whether a quote is based on lifetime income for one life or two, and whether the product's income benefit is different from the contract's cash value. Questions worth asking:
- Is this quote for single life or joint life?
- When does income begin?
- Is there an optional rider cost?
- Is the income figure based on a benefit base or actual account value?
- Is the product available in my state?
Explore more
Income figures are benchmark estimates for comparison and are not quotes or guarantees. Actual income depends on age, single or joint life, product, rider election, and timing, and varies by state. All guarantees are backed by the claims-paying ability of the issuing insurance company. This is educational information, not a recommendation.
See what guaranteed income for life could look like for you
- Personalized by your details
- Single or joint life
- 100% free. No pressure.