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Every annuity we've reviewed

861 products from 74 carriers, each ranked against its peer group on one number the carrier filed. No carrier pays for placement. Filter by carrier, rating, surrender, type, income rider, or bonus.

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Top 5-year MYGA

6.30%

B++ or better, yield to surrender

FIA S&P cap: 17.00%
Products in this list: 861
As of: Oct 26

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Income Annuity Reviews

861 reviews · ranked by peer standing where available

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Showing 1 to 50 of 861 products

Product	Type	Standing	Surrender	Income rider	Bonus
Observatory Accumulation 10 AuguStar · A 10-year buyer who wants a broad menu of indexed crediting strategies and a no-cost nursing home waiver, and doesn't need an income rider or early liquidity.	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
EverGuard Aspire 5-Year Talcott Financial Group · Buyers who want principal-protected, index-linked growth potential on a shorter 5-year commitment without paying for an income rider they don't need	FIA	Top quartile of 3–5 year fixed-indexed peers · as of Oct 26, 2026	5-yr	—	—	View →
EverGuard Aspire 10-Year Talcott Financial Group · Buyers with a genuine 10-year horizon who want top-of-market indexed crediting potential and free built-in waivers, without paying for an income rider they don't need	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Aspida Synergy Choice MYGA 7-Year Aspida Life Insurance Company · Independent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate in Aspida's agent-channel 7-year MYGA lineup and have a genuine 7-year capital horizon without needing emergency access waivers	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Alpine Horizon 5 Mountain Life · Buyers who want the highest locked rate in Mountain Life's Alpine Horizon ladder and have already made peace with a below-investment-grade carrier for a 5-year term	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
RetireVantage 14 Midland National · Patient accumulators who can genuinely commit 14 years, want a broad index menu, and carry a strong A+ carrier preference	FIA	Top quartile of 11+ year fixed-indexed peers · as of Oct 26, 2026	14-yr	—	—	View →
Secure Legacy 4 Year Upstream Life · Buyers in an approved state who are comfortable with an unrated carrier and want a locked 5.90% rate, though the 3-year version of this same product pays the identical rate with a shorter commitment	MYGA	Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026	4-yr	—	—	View →
NAC Guaranteed Allocation 10 North American · Buyers who want locked crediting terms for the full surrender period and are comfortable choosing from a set of blended multi-index allocation models	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Observatory Accumulation 7 AuguStar · Buyers who want a broad menu of index-linked crediting strategies and a built-in nursing home waiver, without paying for an income rider they don't need	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Alpine Horizon 3 Mountain Life · Conservative savers in an approved state who want a simple, competitively priced 3-year locked rate and don't need more than modest annual liquidity	MYGA	Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026	3-yr	—	—	View →
Delaware Life Target Growth 10 Delaware Life · Accumulation-focused buyers who want a 10-year FIA from Delaware Life and can tolerate the elevated 10% surrender charge across the first five years	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Secure Legacy 5 Year Upstream Life · Shoppers comfortable with an unrated carrier and a narrow state footprint who want the highest rate in the Secure Legacy lineup, provided they confirm that rate is still on offer	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
Personal Choice Annuity 7 Sentinel Security · Buyers who want a competitive locked 7-year rate and are comfortable with a bare-bones contract that charges extra, in the form of a lower crediting rate, for liquidity and a full-value death benefit	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Chartline 5-Year Knighthead Life · Buyers who want the shortest surrender commitment in the Chartline lineup, a broad index menu, and built-in care-related liquidity protections without paying a rider fee	FIA	Top quartile of 3–5 year fixed-indexed peers · as of Oct 26, 2026	5-yr	—	—	View →
Observatory Accumulation 5 AuguStar · Buyers who want a short five-year FIA commitment, a genuinely deep crediting menu that includes locked-rate "guaranteed" options, and no interest in paying for an income rider	FIA	Top quartile of 3–5 year fixed-indexed peers · as of Oct 26, 2026	5-yr	—	—	View →
DirectGrowth MYGA 10-Year Revol One · Buyers chasing the single highest guaranteed rate in Revol One's own MYGA lineup who are certain they won't need to touch this money (or are willing to pay for a rider if they might) for the full ten years	MYGA	Top quartile of 10 year fixed-rate peers · as of Oct 26, 2026	10-yr	—	—	View →
Sage Accumulator 10-Year Sagicor · Buyers with a decade-plus horizon who want strong index-crediting upside and a no-fee base contract without paying for an income rider they won't use	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Select Fixed Indexed Annuity 10-Year Oxford Life · A long-horizon buyer who wants the highest cap in Oxford Life's Select ladder, a $10,000 entry point, and the only term where the income rider's ten-year roll-up matches the contract	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	Yes 0.95% annually	—	View →
Premier Voyage 2-Year MassMutual · Buyers parking $100,000 or more who want a short, locked-rate holding spot backed by one of the strongest balance sheets in the industry	MYGA	Top quartile of 2 year fixed-rate peers · as of Oct 26, 2026	2-yr	—	—	View →
Multi-Select 9 Oxford Life · MYGA-ladder builders who specifically need a 9-year rung, or Oxford Life loyalists who value the A rating over squeezing out the best available rate	MYGA	Top quartile of 9 year fixed-rate peers · as of Oct 26, 2026	9-yr	—	—	View →
Aspida Synergy Choice MYGA 5-Year Aspida Life Insurance Company · Independent agent channel buyers through Market Synergy Group who want the highest base guaranteed rate among 5-year MYGAs from Aspida's agent-channel lineup and can commit capital for 5 years without emergency waiver provisions	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
NAC Guaranteed Allocation 7 North American · Accumulation-focused buyers who want index-linked growth potential with rate certainty locked in for the full surrender period and no annual product fee	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Symetra Edge Elite 7-Year Symetra Life · Buyers who want principal protection and a deeper crediting menu, are comfortable with a 7-year commitment, and value the slightly higher fee-bearing index allocations available in the longer schedule	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Zenith Growth 10 National Life Group · Buyers with a decade-long time horizon who want a deep menu of index crediting strategies from a highly rated carrier and don't need an income rider	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Alpine Horizon 4 Mountain Life · Savers who want a top-of-ladder guaranteed rate for a 4-year commitment and can tolerate holding a contract with a below-investment-grade-caliber carrier	MYGA	Top quartile of 4 year fixed-rate peers · as of Oct 26, 2026	4-yr	—	—	View →
Harbourview 6-Year Oceanview · Buyers with $20,000 or more they can commit for six years who want a locked, competitive rate without paying for riders they won't use	MYGA	Top quartile of 6 year fixed-rate peers · as of Oct 26, 2026	6-yr	—	—	View →
DirectGrowth MYGA 3-Year Revol One · Buyers who can commit the full 3-year term without touching the money and who either don't need an enhanced death benefit or are willing to give up 10-20 basis points to add it	MYGA	Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026	3-yr	—	—	View →
SecureLink Ultra 7 Securian Financial · Buyers who want principal-protected, index-linked growth from an A+ carrier, plan to hold well past the 7-year surrender window, and do not need a lifetime income rider	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Milestone Max MYGA 7-Year Sagicor · Buyers with at least $25,000 to commit for seven years who want a locked-in rate plus a no-cost waiver for terminal illness or nursing-home confinement, and who don't live in one of the states where Max isn't sold	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
DirectGrowth MYGA 7-Year Revol One · Buyers who specifically need a 7-year maturity date and are willing to pay extra for withdrawal access and a real death benefit	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Delaware Life Retirement Stages Select 7-Year Delaware Life · Buyers who want a longer-duration accumulation FIA from a brand-name carrier with multi-index portfolios, the S&P 500 bailout provision, and the more competitive crediting that longer terms typically fund	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Denali 14 SILAC · Long-horizon accumulation buyers who can genuinely commit 14 years and are comfortable with a B-rated carrier in exchange for an unusually deep index menu	FIA	Top quartile of 11+ year fixed-indexed peers · as of Oct 26, 2026	14-yr	—	—	View →
Sage Accumulator 7-Year Sagicor · Buyers who want a diversified index-crediting menu with no annual base fee and a chronic-illness withdrawal waiver, and who don't need a lifetime income rider	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Secure Summit 3 Mountain Life · Shoppers who want a short, competitively priced 3-year rate lock and are willing to accept a below-investment-grade carrier in exchange for it	MYGA	Top quartile of 3 year fixed-rate peers · as of Oct 26, 2026	3-yr	—	—	View →
Power 10 Protector Corebridge · Long-horizon buyers who want principal protection paired with a wide menu of indexed crediting strategies rather than a single capped option	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Reliance Accumulator 10 Reliance Standard Life · Buyers with a decade-plus time horizon, no near-term income need, and enough other liquidity that locking up $20,000 or more for 10 years is a comfortable trade	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
ForeAccumulation II 10-Year Forethought · Buyers who want principal-protected growth potential with a broad index menu and no rider fees, and who can commit to a 10-year horizon	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
Growth Annuity 10-Year Nassau · Buyers who want a deep menu of index-crediting strategies, transparent guaranteed floors, and the flexibility to add income later, and who are comfortable with a carrier rated a notch below the top financial-strength tier	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
MaxGrowth 10 American Life · Buyers who want a 10-year principal-protected FIA with a strong current cap and multiple crediting choices, and who won't need money out of the contract in year one	FIA	Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026	10-yr	—	—	View →
SecureLink Ultra 5 Securian Financial · Buyers who want a short 5-year indexed annuity from a high-rated carrier and will not count on the persistency bonus unless the carrier confirms its terms in writing	FIA	Top quartile of 3–5 year fixed-indexed peers · as of Oct 26, 2026	5-yr	—	—	View →
Secure Summit 8 Mountain Life · Buyers who want the highest rate on Mountain Life's own MYGA ladder locked in for eight years and who are comfortable holding a B- rated carrier for that long, in one of the 24 states where the product is sold	MYGA	Top quartile of 8 year fixed-rate peers · as of Oct 26, 2026	8-yr	—	—	View →
Safeguard Plus MYGA 10-Year Farmers Life · buyers who specifically want a decade-long rate lock and value the certainty of a fixed rate that far out more than the five basis points it adds over Farmers' own five-year	MYGA	Top quartile of 10 year fixed-rate peers · as of Oct 26, 2026	10-yr	—	—	View →
Personal Choice Annuity 10 Sentinel Security · Buyers with a genuine 10-year horizon and no need for interim access who want a near-top-of-market locked rate and have deliberately accepted a carrier rated C+ (Marginal) by A.M. Best, downgraded from B on September 22, 2026 and still under review with negative implications	MYGA	Top quartile of 10 year fixed-rate peers · as of Oct 26, 2026	10-yr	—	—	View →
ForeAccumulation II 7-Year Forethought · Buyers who want a principal-protected 7-year FIA with a broad index menu, no income rider, and an optional death benefit enhancement for legacy-minded buyers	FIA	Top quartile of 6–7 year fixed-indexed peers · as of Oct 26, 2026	7-yr	—	—	View →
Milestone MYGA 7-Year Sagicor · Shoppers who want a low-minimum, straightforward 7-year rate lock without needing the illness-waiver features of the carrier's Max tier	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Safeguard Plus MYGA 5-Year Farmers Life · rate-focused savers who will not touch the money for five years, do not need the contract to pay a full death benefit, and understand they are buying the stripped version at the headline rate	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
DirectGrowth MYGA 5-Year Revol One · Savers who want the strongest rate in Revol One's short-to-mid MYGA ladder and are willing to configure, and pay for, optional riders if they need liquidity or a stronger death benefit	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
Sundance 5-Year CL Life · Someone who already has a fresh, carrier-confirmed quote in hand and is comfortable with a B++ carrier and interest-only liquidity for five years	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →
Safeguard Plus MYGA 7-Year Farmers Life · buyers who have already settled on a seven-year horizon for a reason unrelated to rate (a laddering plan or a known date) rather than anyone shopping for the best guaranteed yield	MYGA	Top quartile of 7 year fixed-rate peers · as of Oct 26, 2026	7-yr	—	—	View →
Personal Choice Annuity 5 Sentinel Security · Buyers who want a straightforward 5-year locked rate, are comfortable with a low $2,500 minimum, and don't need built-in liquidity or an enhanced death benefit	MYGA	Top quartile of 5 year fixed-rate peers · as of Oct 26, 2026	5-yr	—	—	View →

Observatory Accumulation 10

AuguStarA 10-year buyer who wants a broad menu of indexed crediting strategies and a no-cost nursing home waiver, and doesn't need an income rider or early liquidity.

A.M. BEST

FIA10-YR SURRENDERNO BONUS

Top quartile of 8–10 year fixed-indexed peers · as of Oct 26, 2026

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