Ceres Life review

Annuity Atlas has published 6 editorial reviews of Ceres Life products. Average peer-group rating 3.6 / 5, top-rated product earns 3.7 / 5. Browse the full lineup below.

Our rating

3.6

Avg ★ / 5

Products reviewed6

A.M. BestB++

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Reviews published

Average rating

★ 3.6 / 5

A.M. Best

B++

Categories covered

MYGA · FIA · Income

6 Ceres Life annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
MYGA 3-Year Rate-focused MYGA shoppers who are comfortable with a B++-rated carrier and won't need money beyond the free-withdrawal allowance during the three-year term	MYGA	3yr	B++	—	—	Review →
MYGA 5-Year Yield-focused savers who are comfortable weighing a mid-tier A.M. Best rating against one of the more competitive 5-year MYGA rates currently on the market	MYGA	5yr	B++	—	—	Review →
Graybar Ascend Buyers who want a straightforward, fee-free accumulation FIA and are comfortable committing a decade of money to a mid-tier carrier	FIA	10yr	★ 3.7	—	—	Review →
Graybar IncomePlus Someone who is certain they want guaranteed lifetime income, plans to defer for several years, and is comfortable trusting a B++ carrier with a decades-long promise	Income	10yr	★ 3.7	Yes 1.10% current annual charge on the Benefit Base (deducted from Accumulation Value); guaranteed maximum 2.50% (Wink does not specify a schedule for if/when the current charge could rise toward that cap) fee	8.00%	Review →
MYGA 7-Year Buyers set on Ceres Life specifically who want the longest guarantee period the carrier offers and are comfortable with a B++ rated carrier	MYGA	7yr	B++	—	—	Review →
Graybar Ascend with Bonus A buyer certain they will hold past year 11 who specifically values a higher day-one account value, even at the cost of materially weaker crediting than the no-bonus sibling	FIA	10yr	★ 3.1	—	14.00% on single premium	Review →

Income rider fees

Disclosed charges for optional riders on Ceres Life products, live from Annuity Rate Watch. Product-level detail is on each review.

Rider	Product	Fee
Graybar GLWB	Graybar IncomePlus	1.10% annually (2.50% max)

Frequently asked questions

Is Ceres Life a good annuity company?

Ceres Life earns an average rating of 3.6/5 across the 6 products we've reviewed, and A.M. Best rates the carrier B++ for financial strength.

What are the fees for Ceres Life annuities?

Fee structures vary by product. Optional income riders on Ceres Life products carry disclosed charges — for example Graybar GLWB (Graybar IncomePlus): 1.10% annually (2.50% max). See each product review for the full fee detail.

What is the surrender period for Ceres Life annuities?

Surrender periods on Ceres Life's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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