| American Freedom Classic 5 (2025) Savers who want a guaranteed fixed rate for five years backed by a top-rated carrier, with no index complexity and no rider fees | MYGA | 5yr | A++ | — | — | Review → |
| Index Protector 7 Fee-sensitive RIA clients who want a clean, no-MVA FIA with a broad crediting menu and a carrier that carries the strongest possible financial strength rating | FIA | 7yr | ★ 4.3 | — | — | Review → |
| SecureGain 5 (2025) Conservative savers who want a fully guaranteed five-year rate from a top-rated carrier, no rider complexity, and a 10% annual withdrawal allowance for flexibility | MYGA | 5yr | A++ | — | — | Review → |
| American Freedom Aspire 5 Conservative savers who want a locked 5-year rate from a top-rated carrier, no market value adjustment risk, and included care waivers at no extra cost | MYGA | 5yr | A++ | — | — | Review → |
| American Freedom Aspire 7 Conservative savers who want a guaranteed rate locked for seven years, a strong carrier behind it, and a clean no-fee structure | MYGA | 7yr | A++ | — | — | Review → |
| American Freedom Classic 7 (2025) Conservative savers who want a locked rate from an A++ carrier for a 7-year window and do not need access to most of their principal during that time | MYGA | 7yr | A++ | — | — | Review → |
| American Freedom Elevate 5 Savers who want a guaranteed rate for five years, no market exposure, and the comfort of a carrier with the highest possible A.M. Best rating | MYGA | 5yr | A++ | — | — | Review → |
| American Freedom Elevate 7 Savers who want a fully guaranteed seven-year rate from a top-rated carrier and have no near-term income or liquidity needs | MYGA | 7yr | A++ | — | — | Review → |
| American Legend 7 Buyers who want principal protection, a broad crediting menu with cap-lock options, and the flexibility to add a competitive income rider without being required to pay for one | FIA | 7yr | ★ 4.2 | — | — | Review → |
| Index Protector 7 MVA Conservative buyers who want principal protection, a meaningful index menu, and the option to layer in a guaranteed income rider on a 7-year time horizon | FIA | 7yr | ★ 4.2 | — | — | Review → |
| Index Summit 6 Growth-minded buyers who want more upside than a fixed indexed annuity offers and are willing to accept limited, defined market-loss risk in exchange | FIA | 6yr | ★ 4.2 | — | — | Review → |
| Premier Income Bonus with MVA Buyers who want to lock in future lifetime income on a shorter-than-usual 7-year commitment, value a built-in income rider with a guaranteed roll-up, and are buying through a top-rated carrier | Income | 7yr | ★ 4.2 | Yes 1.15% annually of benefit base (maximum 2.50%); deducted from account value at end of each contract year fee | — | Review → |
| SecureGain 7 (2025) Conservative savers who want a seven-year locked rate, a top-tier carrier, and clean withdrawal terms without rider complexity | MYGA | 7yr | A++ | — | — | Review → |
| Advantage 5 Advisory RIA clients who want a clean, fee-free 5-year locked rate with a best-in-class carrier behind it | MYGA | 5yr | A++ | — | — | Review → |
| AssuranceSelect 5 Plus with MVA Buyers who want a short-commitment FIA from a highly rated carrier with a broad crediting menu and no income rider costs | FIA | 5yr | ★ 4.1 | — | — | Review → |
| Index Achiever Advisory Fee-based clients of a registered investment advisor who want structured index growth with a partial downside buffer and no commission-driven surrender cage | FIA | 0yr | ★ 4.1 | — | — | Review → |
| Index Protector 4 Conservative savers who want a short commitment, principal protection, and index-linked upside potential from a carrier with top-tier financial strength | FIA | 4yr | ★ 4.1 | — | — | Review → |
| Index Summit 6 Pro Buyers who want a defined-outcome growth contract from a top-rated carrier and are willing to pay an explicit annual fee in exchange for higher caps and a deep strategy menu | FIA | 6yr | ★ 4.1 | — | — | Review → |
| Premier Income Bonus Pre-retirement buyers who want a relatively short surrender commitment, a built-in income rider with an upfront benefit-base credit, and a top-rated carrier behind the guarantee | Income | 7yr | ★ 4.1 | Yes 1.15% of benefit base annually (maximum 2.50%); deducted from account value fee | — | Review → |
| Safe Return Conservative accumulation buyers who want a clean 10-year FIA with principal protection, a built-in return-of-premium guarantee, and carrier-grade credibility from a MassMutual subsidiary | FIA | 10yr | ★ 4.1 | — | — | Review → |
| American Freedom Aspire 3 Conservative savers who want a short, guaranteed-rate commitment backed by a top-rated carrier with no market risk and no rider complexity | MYGA | 3yr | A++ | — | — | Review → |
| American Freedom Classic 3 (2025) Conservative savers who want a short, guaranteed-rate commitment from a top-rated carrier with clean liquidity terms | MYGA | 3yr | A++ | — | — | Review → |
| American Freedom Elevate 3 Conservative savers who want a fully guaranteed rate locked for three years with minimal complexity and strong carrier backing | MYGA | 3yr | A++ | — | — | Review → |
| American Landmark 3 with MVA Buyers who want a short FIA commitment, principal protection, and index-linked growth potential without paying for an income rider | FIA | 3yr | ★ 4.0 | — | — | Review → |
| American Landmark 5 Buyers who want a shorter FIA commitment, principal protection, and a real index menu without paying for an income rider they don't need | FIA | 5yr | ★ 4.0 | — | — | Review → |
| American Legend 7 with MVA Accumulation-focused buyers who want principal protection, a wide index menu, and a financially strong carrier, and who can tolerate a 7-year commitment with an MVA | FIA | 7yr | ★ 4.0 | — | — | Review → |
| AssuranceSelect 3 Plus with MVA Buyers who want a short FIA commitment, principal protection, and a broader index menu than a MYGA offers — without paying for an income rider | FIA | 3yr | ★ 4.0 | — | — | Review → |
| AssuranceSelect 3 Plus with MVA (Truist) Savers who want a short FIA commitment with principal protection, a familiar index menu, and the backing of a top-rated carrier — and who do not need lifetime income features | FIA | 3yr | ★ 4.0 | — | — | Review → |
| AssuranceSelect 7 Plus with MVA Accumulation-focused buyers who want principal protection, a broad index menu, and the option to add income benefits later — backed by one of the strongest carrier ratings in the industry | FIA | 7yr | ★ 4.0 | — | — | Review → |
| AssuranceSelect 7 Plus with MVA (Truist) Bank-channel buyers who want principal protection, a 7-year indexed annuity with a distinctive cap-lock strategy, and the option to add income protection without paying for it upfront | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Index Frontier 5 Plus Growth-oriented buyers who can tolerate some market loss in exchange for higher upside than a fully protected indexed annuity, and who want a relatively short 5-year commitment | FIA | 5yr | ★ 4.0 | — | — | Review → |
| Index Protector 5 Buyers who want principal-protected FIA growth from a top-rated carrier, prefer a shorter 5-year commitment, and do not need a guaranteed income rider | FIA | 5yr | ★ 4.0 | — | — | Review → |
| SecureGain 3 (2025) Conservative savers who want a guaranteed fixed rate, a short three-year commitment, and the backing of a top-rated carrier | MYGA | 3yr | A++ | — | — | Review → |
| American Freedom Liberty 5 with MVA (PNC) Conservative buyers in the PNC channel who want a short-duration FIA from a carrier with top-tier financial strength, a clean fee structure, and a bail-out provision if rates drop | FIA | 5yr | ★ 3.9 | — | — | Review → |
| American Freedom Liberty 7 with MVA (Wells Fargo) Buyers who already work with a Wells Fargo advisor and want an A++-backed FIA with rate certainty through a 7-year cap lock strategy and a genuine income rider option | FIA | 7yr | ★ 3.9 | — | — | Review → |
| American Landmark 5 with MVA Conservative accumulators who want a short FIA commitment, a broad index menu, and no rider fees, and who are comfortable with the MVA risk built into this version | FIA | 5yr | ★ 3.9 | — | — | Review → |
| American Freedom Liberty 3 with MVA (PNC) Conservative buyers who want a short FIA commitment, principal protection, and the backing of a top-rated carrier without income rider complexity | FIA | 3yr | ★ 3.8 | — | — | Review → |
| American Landmark 3 Buyers who want a short-commitment FIA with principal protection and a well-rated carrier, and who do not need an income rider | FIA | 3yr | ★ 3.8 | — | — | Review → |
| AssuranceSelect 5 Plus with MVA (Truist) Conservative buyers who want a shorter FIA commitment, principal protection, and crediting variety, and who happen to work with a Truist advisor | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Index Protector 5 MVA (Raymond James) Fee-sensitive advisory clients who want a clean 5-year FIA with no rider overhead and access through a Raymond James relationship | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Index Protector 5 MVA (Truist) Conservative accumulation buyers who are already Truist clients and want a short-horizon FIA with a competitive fixed declared rate and a carrier rated A++ by AM Best | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Index Protector 5 MVA (Wells Fargo) Conservative accumulators in the Wells Fargo channel who want principal protection, a short 5-year commitment, and a diversified index menu without paying for a built-in income rider | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Index Protector 7 MVA (Raymond James) Raymond James advisory clients seeking principal-protected FIA accumulation with the option to layer in guaranteed income later | FIA | 7yr | ★ 3.8 | — | — | Review → |
| American Freedom Liberty 5 with MVA (Wells Fargo) Wells Fargo clients who want a short FIA commitment with a bailout provision and no rider fees | FIA | 5yr | ★ 3.7 | — | — | Review → |
| American Freedom Liberty 7 with MVA (PNC) Accumulation-focused buyers who want principal protection with a multi-index crediting menu and are comfortable purchasing exclusively through PNC bank | FIA | 7yr | ★ 3.7 | — | — | Review → |
| Safe Return (Raymond James) Accumulation-focused buyers working with a Raymond James advisor in Massachusetts or Washington who want a no-fee FIA with a bailout provision and no MVA risk | FIA | 10yr | ★ 3.7 | — | — | Review → |
