| Asset Guard 5 Buyers putting less than $100,000 into a 5-year locked-rate contract who want free, built-in liquidity if they're hit with a nursing home stay, critical illness, or terminal diagnosis | MYGA | 5yr | A- | — | — | Review → |
| Asset Guard Fixed Index Annuity Buyers who want principal-protected, uncapped index participation on a short 4-year commitment and are willing to evaluate the optional booster-fee tradeoff rather than chase a headline participation rate | FIA | 4yr | ★ 3.9 | — | — | Review → |
| Asset Guard 2 Conservative savers who want a short, fully guaranteed commitment from a fee-free contract without locking up money for several years | MYGA | 2yr | A- | — | — | Review → |
| Future Flex Fixed Index Annuity Accumulation-focused buyers who want a short 4-year indexed contract with uncapped participation-rate crediting and the ability to add premium over time, and who do not need a lifetime income rider | FIA | 4yr | ★ 3.7 | — | — | Review → |
| Future Flex Preferred 5 Savers who want to drip in ongoing contributions to a low-fee, no-bonus fixed annuity from a financially stable carrier | MYGA | 5yr | A- | — | — | Review → |
| Asset Guard 4 Conservative savers who want a simple, guaranteed-rate contract from a member-owned carrier and plan to hold for the full 4 years anyway | MYGA | 4yr | A- | — | — | Review → |
| Future Flex Preferred 8 Savers who want to drip in ongoing contributions to a fee-free, no-MVA fixed annuity and can tolerate not knowing the renewal rate after year one | MYGA | 8yr | A- | — | — | Review → |
| Asset Guard 3 Depositors under $100,000 who specifically want a 3-year horizon and value a no-fee, no-surprise rate lock | MYGA | 3yr | A- | — | — | Review → |
