| Guarantee Pro 5-Year Savers who want a locked, guaranteed rate for five years from a highly rated carrier without paying for rider complexity they do not need | MYGA | 5yr | A+ | — | — | Review → |
| Oak Advantage 5-Year Conservative savers who want a competitive five-year locked rate with unusually low surrender penalties and no rider complexity | MYGA | 5yr | A+ | — | — | Review → |
| LiveWell Guarantee Max 5-Year Savers who want a fully locked-in guaranteed rate for five years with no index complexity, backed by a highly-rated carrier | MYGA | 5yr | A+ | — | — | Review → |
| LiveWell Guarantee Max 7-Year Conservative savers who want a guaranteed rate locked for seven years, a nursing home waiver built in at no extra charge, and a carrier with A+ financial strength | MYGA | 7yr | A+ | — | — | Review → |
| LiveWell Preferred FIA 7-Year Conservative accumulators who want principal protection with a broad index menu and the option to add guaranteed lifetime income without committing to a rider fee upfront | FIA | 7yr | ★ 4.1 | — | — | Review → |
| Guarantee Pro 7-Year Savers who want a guaranteed multi-year rate from an A+ carrier and can commit to a 7-year horizon without needing regular access to principal | MYGA | 7yr | A+ | — | — | Review → |
| Oak Advantage 7-Year Conservative savers who want a guaranteed fixed rate for seven years, a trusted A+ carrier, and unusually low surrender penalties if something comes up mid-contract | MYGA | 7yr | A+ | — | — | Review → |
| Summit Journey 10 Pre-retirees who want a guaranteed lifetime income floor built directly into the contract, can commit to a 10-year product, and want flexibility across multiple crediting strategies | FIA | 10yr | ★ 4.1 | Yes 1.25% fee | — | Review → |
| Summit Discovery 7 Buyers in their mid-50s to early 70s who want a built-in income guarantee alongside index-linked growth potential and do not want to pay a separate rider fee | FIA | 7yr | ★ 4.1 | Yes | — | Review → |
| LiveWell Dynamic Annuity 2.0 Advisor-channel buyers who want more growth potential than a fixed indexed annuity allows, accept some downside in exchange for higher caps, and want the option to add a true market sleeve alongside buffered crediting | FIA | 6yr | ★ 4.0 | — | — | Review → |
| LiveWell Preferred FIA 8-Year Conservative retirement savers who want principal protection and index-linked growth potential across an 8-year horizon, with the option to layer in guaranteed income if their priorities shift | FIA | 8yr | ★ 4.0 | — | — | Review → |
| Income Planning Annuity Pre-retirees and early retirees who want to plan future lifetime income, value principal protection, and like having a care-need income boost baked into the same contract | Income | 10yr | ★ 4.0 | Yes 1.25% annually (current), up to 3.00% maximum fee | — | Review → |
| IncomeVantage Pro Buyers who want a built-in lifetime income rider with no separate rider fee, are comfortable deferring income for several years, and value principal protection along the way | Income | 10yr | ★ 4.0 | Yes | — | Review → |
| IndexBuilder 10 Buyers with a true 10-year horizon who want a sizable upfront bonus locked into account value and multiple crediting strategy choices without a mandatory income rider | FIA | 10yr | ★ 4.0 | — | Base bonus: 7-10% depending on premium band; Enhanced bonus: additional 7% with optional ABR rider (total up to 17%); limited-time special bonus: +6% on base (total up to 16%) | Review → |
| Oak Advantage 3-Year Conservative savers who want a short-term guaranteed rate from a highly rated carrier without rider complexity | MYGA | 3yr | A+ | — | — | Review → |
| Oak Elite Advisory RILA Fee-based advisory clients who want buffered index growth with no surrender charges and a very low insurance cost on top of their advisory fee | FIA | 0yr | ★ 4.0 | — | — | Review → |
| Summit Laddered 7-Year Accumulation-focused buyers who want index-linked growth potential with principal protection and no income rider complexity | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Summit Edge 10 Buyers who want a 10-year accumulation FIA from a highly rated carrier, with the option to layer on lifetime income later without buying a separate product | FIA | 10yr | ★ 4.0 | — | — | Review → |
| Summit Edge 7 Buyers who want a principal-protected 7-year FIA with a credible optional income rider and the flexibility to add care-event doubling of lifetime income | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Summit Edge II 10-Year Buyers who want a 10-year accumulation FIA with principal protection and the option to layer on a guaranteed income rider later | FIA | 10yr | ★ 4.0 | — | — | Review → |
| Summit Edge II 5-Year Buyers who want a shorter FIA commitment, multiple crediting approaches including specialty indices, and an optional income rider they can add if retirement income planning matters later | FIA | 5yr | ★ 4.0 | — | — | Review → |
| Summit Edge II 7-Year Buyers who want a 7-year FIA with principal protection, multiple index choices, and the option to add a competitive income rider without paying for it upfront | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Summit Navigate 7 Buyers who want principal-protected accumulation with a distinctive term-based crediting structure and no income rider fee drag | FIA | 7yr | ★ 4.0 | — | — | Review → |
| Capital Income Buyers working with a fee-based advisor who want a built-in lifetime income rider, a relatively short surrender period for an income product, and a care-related income boost if their health declines | Income | 7yr | ★ 3.9 | Yes 1.00% annually of end-of-year accumulation value fee | — | Review → |
| IndexMax ADV 7-Year Retirement savers working with an RIA who want layered index-linked growth over a 7-year horizon without an income rider | FIA | 7yr | ★ 3.9 | — | — | Review → |
| LiveWell Dynamic Annuity 2.0 (C-Share) Accumulation-focused buyers who want RILA-style buffer protection, a wide index menu, and no surrender-period commitment | FIA | 0yr | ★ 3.9 | — | — | Review → |
| LiveWell Guarantee Max 3-Year Conservative savers who want a short, locked guaranteed rate with no crediting complexity and minimal fee load | MYGA | 3yr | A+ | — | — | Review → |
| LiveWell Preferred FIA 10-Year Buyers who want a principal-protected 10-year FIA with multiple index choices and the option to add guaranteed income later, but who are not yet committed to turning on income | FIA | 10yr | ★ 3.9 | — | — | Review → |
| LiveWell Preferred FIA 5-Year Buyers who want a shorter-commitment FIA with a solid index menu, principal protection, and an optional income rider they can add if their plans change | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Accelerate 5 Buyers who want a short-commitment FIA with a broad index menu and no income rider layered on top | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Endeavor 8 Accumulation-focused buyers with a longer time horizon who want principal protection, a wide index menu, and an optional income rider they can add if priorities change | FIA | 8yr | ★ 3.9 | — | — | Review → |
| Guarantee Pro 3-Year Conservative savers who want a short, guaranteed-rate commitment from a highly rated carrier without rider complexity | MYGA | 3yr | A+ | — | — | Review → |
| Summit Focus 3 Buyers who want a short FIA commitment with index-linked growth potential and no income rider complexity | FIA | 3yr | ★ 3.9 | — | — | Review → |
| Summit Laddered 5-Year Buyers who want a shorter FIA commitment with multi-term crediting flexibility and no income rider complexity | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Summit Edge 5 Buyers who want a shorter FIA commitment with a broad crediting menu and no income rider complexity | FIA | 5yr | ★ 3.9 | — | — | Review → |
| IndexMax Adv 5-Year Fee-based advisory clients who want a 5-year FIA with a guaranteed fixed account rate and some upside potential through a layered crediting design | FIA | 5yr | ★ 3.8 | — | — | Review → |
| RetireVantage 10 Buyers who want principal protection with a broad index menu and a 10-year accumulation horizon, and have no need for a guaranteed income rider | FIA | 10yr | ★ 3.8 | — | — | Review → |
| Summit Navigate 5 Buyers who want a short FIA commitment with a fixed-rate fallback and are comfortable with a less conventional term-based crediting structure | FIA | 5yr | ★ 3.8 | — | — | Review → |
| IndexBuilder 14 Buyers in California, Massachusetts, or Oregon who want a large front-end premium bonus and are committed to a 14-year holding period | FIA | 14yr | ★ 3.7 | — | 8-12% base bonus (varies by premium band) plus optional 5% special, plus optional 7% enhanced bonus if ABR elected | Review → |
| RetireVantage 14 Patient accumulators who can genuinely commit 14 years, want a broad index menu, and carry a strong A+ carrier preference | FIA | 14yr | ★ 3.7 | — | — | Review → |
| LiveWell 5-Year Variable Annuity Investors who want a low-cost, tax-deferred variable annuity with a broad fund menu and a short 5-year surrender window, and who do not need a guaranteed income rider | Variable | 5yr | ★ 3.4 | — | — | Review → |
| LiveWell Variable Annuity Buyers who want tax-deferred market growth with full liquidity and are comfortable taking on full market risk in exchange for no living-benefit guarantee | Variable | 0yr | ★ 3.4 | — | — | Review → |
| LiveWell 7-Year Variable Annuity Tax-deferred investors who want direct market participation through a large subaccount menu and don't need a guaranteed income rider | Variable | 7yr | ★ 3.3 | — | — | Review → |
