Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Ibexis review

Annuity Atlas covers 19 Ibexis annuity products with live rates and contract specs. 16 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked
19
MYGA yield (lineup max)
5.87% · 5yr · MYGA Plus 5 Year
Surrender range
3–10 years
Rate as of Oct 15, 2026
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Products covered
19
A.M. Best
A-
Categories covered
MYGA · FIA

19 Ibexis annuities

Click any product for rates, specs, and the full peer-group review.

MYGA Plus 5 Year
Buyers who want a five-year locked-rate contract with an optional index-linked sleeve for extra upside, plus built-in extended care and terminal illness waivers
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
MYGA Plus 3 Year
Shoppers who want a short 3-year rate lock with a guaranteed floor plus a shot at extra credited interest tied to the S&P 500, at no added cost
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
MYGA Plus 5 (Simple Interest)
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
MYGA Plus 7 Year
Savers who want a locked-in guaranteed rate for seven years with the option to layer on index-linked upside, without paying for a rider they won't use
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
MYGA Plus 3 (Simple Interest)
A-
A.M. BEST
MYGA3-YR SURRENDER
Details →
MYGA Plus 7 (Simple Interest)
A-
A.M. BEST
MYGA7-YR SURRENDER
Details →
FIA Plus 10-Year
Buyers who want a 10-year indexed accumulation contract with an unusually clean death benefit and a deep menu of fully protected 0%-floor indexed strategies, plus an optional structured-buffer strategy for those willing to trade some downside protection for higher caps
A-
A.M. BEST
FIA10-YR SURRENDER
Review →
FIA Plus 5-Year
Accumulation-focused buyers who want to dial in their own downside exposure through the floor selection and don't need access to funds in the first contract year
A-
A.M. BEST
FIA5-YR SURRENDER
Review →
FIA Plus 7 Year
Buyers who want a broad menu of index-linked crediting choices, a built-in bailout provision against falling renewal rates, and no living-benefit rider fees, and who are comfortable with a 7-year commitment
A-
A.M. BEST
FIA7-YR SURRENDER
Review →
FIA Plus with Premium Bonus 10 Year
Buyers with a genuine 10-to-11-year horizon who want a large menu of indexed crediting options and are comfortable letting a premium bonus vest slowly in exchange for it
A-
A.M. BEST
FIA10-YR SURRENDERBONUS
Review →
FIA Plus with Premium Bonus 5 Year
Buyers who want an upfront account-value bonus, a broad menu of index and structured-floor crediting strategies, and a shorter 5-year commitment, without needing an income rider
A-
A.M. BEST
FIA5-YR SURRENDERBONUS
Review →
FIA Plus with Premium Bonus 7 Year
Buyers who want a meaningful upfront premium bonus and a deep menu of index-crediting choices for money they can commit to a full 7-year term
A-
A.M. BEST
FIA7-YR SURRENDERBONUS
Review →
WealthDefender 10
Retirement 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 SURRENDER
Review →
WealthDefender 10 Bonus
Buyers who want a sizable upfront account-value bonus and a clean, full-value death benefit, and who don't mind locking money up for a decade to get it
A-
A.M. BEST
FIA10-YR SURRENDERBONUS
Review →
WealthDefender 10 Bonus Plus
Buyers who want a large upfront account-value bonus and a strong legacy/death benefit, and who are comfortable committing money for a full 10 years
A-
A.M. BEST
FIA10-YR SURRENDERBONUS
Review →
WealthDefender 5
Buyers who want a shorter 5-year FIA commitment, a full-contract-value death benefit, and don't need an income rider
A-
A.M. BEST
FIA5-YR SURRENDER
Review →
WealthDefender 5 Bonus
Buyers who want an upfront account-value bonus, a full-account-value death benefit, and a short 5-year commitment, and who don't need an income rider
A-
A.M. BEST
FIA5-YR SURRENDERBONUS
Review →
WealthDefender 7
Retirement savers who want tax-deferred indexed growth and principal protection without paying for a lifetime income rider they don't need
A-
A.M. BEST
FIA7-YR SURRENDER
Review →
WealthDefender 7 Bonus
Buyers who want a meaningful upfront account-value bonus and a clean full-value death benefit, and who don't need an income rider
A-
A.M. BEST
FIA7-YR SURRENDERBONUS
Review →

Frequently asked questions

Is Ibexis a good annuity company?
We have reviewed 16 Ibexis products, and A.M. Best rates the carrier A- for financial strength.
What is the surrender period for Ibexis annuities?
Surrender periods on Ibexis'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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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