| Allianz Index Advantage+ Allianz · Buyers who want higher growth potential than traditional FIAs through a structured buffer/floor design with multiple index options and a 6-year surrender period | FIA | ★ 4.5 | 6-yr | — | — | View → |
| Allianz Retirement Foundation ADV Allianz · Fee-based advisor clients who want a competitive income FIA designed for the advisory channel with strong income terms and top-tier carrier backing | Income | ★ 4.5 | 7-yr | Yes Built into product design | — | View → |
| Equitable Structured Capital Strategies Plus 21 Advisor NY Equitable · New York clients of fee-based or fee-only advisors who want buffered equity exposure with no surrender period and the most competitive cap rates in the SCS Plus 21 family | FIA | ★ 4.5 | 0-yr | — | — | View → |
| Nationwide Monument Advisor Nationwide · Larger-account investors working with fee-based advisors who want tax-deferred growth, full liquidity, and the broadest possible investment menu at a fraction of traditional VA costs | Variable | ★ 4.5 | 0-yr | — | — | View → |
| Allianz Core Income 7 Allianz · Buyers who want a competitive 7-year income FIA with stronger income terms than Essential Income 7 from the same top-rated carrier | Income | ★ 4.4 | 7-yr | Yes Built into product design | — | View → |
| Allianz Index Advantage Income ADV Allianz · Fee-based-advisor clients who want a registered index-linked annuity with built-in lifetime income, structured downside protection through buffers and floors, and the option of level or increasing income payments | FIA | ★ 4.4 | 0-yr | Yes 0.70% annual Income Benefit rider fee plus 0.25% product fee | — | View → |
| American National Select Income Focus 7 American National · Retirees and near-retirees who want a 7-year FIA with an income rider offering one of two simple high roll-up options, and who want the Wellbeing Benefit as a built-in care enhancement at no additional charge | Income | ★ 4.4 | 7-yr | Yes 1.0% annually | — | View → |
| Aspida Advisory MYGA 7-Year Aspida Life Insurance Company · Fee-based RIA clients through DPL Financial Partners who want the highest guaranteed rate in the Aspida MYGA lineup at 5.60% to 5.75% for a full 7-year commitment | MYGA | A- | 7-yr | — | — | View → |
| Athene Accumulator 5 Athene · Buyers who want a 5-year accumulation FIA with strategy charges that enable higher crediting potential from a top-rated carrier | FIA | ★ 4.4 | 5-yr | — | — | View → |
| Athene MYG Athene · Savers who want a guaranteed interest rate with principal protection from one of the highest-rated carriers in the market across flexible term lengths | MYGA | A+ | 7-yr | — | — | View → |
| Athene Protector 5 Athene · Buyers who want principal protection with accumulation potential on a shorter 5-year timeline from a top-rated carrier | FIA | ★ 4.4 | 5-yr | — | — | View → |
| Equitable Structured Capital Strategies Plus 21 Advisor NY Wells Fargo Equitable · Wells Fargo-relationship advisory clients in New York who want buffered equity exposure with no surrender period and the higher caps of the I-share variant | FIA | ★ 4.4 | 0-yr | — | — | View → |
| Equitable Structured Capital Strategies Plus 21 NY Equitable · New York buyers who want defined downside protection (10%, 15%, 20%, or 30% buffers), competitive caps on major indices, and a clean RILA chassis with no contract-level M&E | FIA | ★ 4.4 | 6-yr | — | — | View → |
| Investor Advantage RIA Class Lincoln · Investors working with a fee-only or fee-based advisor who want tax-deferred growth in low-cost subaccounts without surrender charges or sales commissions | Variable | ★ 4.4 | 0-yr | — | — | View → |
| Nationwide INCOME Promise Select Nationwide · Buyers who want immediate guaranteed income with more payout flexibility and liquidity access than most SPIAs offer | Income | ★ 4.4 | 0-yr | — | — | View → |
| Prudential FlexGuard 2.0 Pruco Life · Accumulation-focused buyers who want market-linked growth with customizable buffer protection, no product fees, and the flexibility to reallocate mid-term without waiting for term end | FIA | ★ 4.4 | 6-yr | — | — | View → |
| Allianz 222+ Allianz · Buyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position | Income | ★ 4.3 | 10-yr | Yes Built into product design | Varies | View → |
| Allianz 360 Allianz · Buyers who want a comprehensive income-focused FIA that balances lifetime income, legacy planning, and accumulation potential | Income | ★ 4.3 | 10-yr | Yes Built into product design | — | View → |
| Allianz Benefit Control+ Allianz · Buyers who want the Benefit Control design with enhanced features and a premium bonus for a stronger income foundation | Income | ★ 4.3 | 10-yr | Yes Built into product design | Varies | View → |
| Allianz Lifetime Income+ Allianz · Defined-contribution-plan participants who want guaranteed lifetime income built inside their employer-sponsored plan, with growth potential before retirement and increases in retirement | Income | ★ 4.3 | 0-yr | Yes 0.50% annual product fee (Income Benefit automatically included) | — | View → |
| American Equity EstateShield 10 American Equity · Buyers who want no-fee lifetime income, increasing payout potential, a Wellbeing Benefit, and enhanced legacy options | Income | ★ 4.3 | 10-yr | Yes No fee | — | View → |
| American Freedom Classic 5 (2025) MassMutual Ascend · 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 | A++ | 5-yr | — | — | View → |
| American National Rate Certainty Annuity 10 American National · Long-term conservative savers who want ten years of guaranteed crediting rates on a FIA and don't want to worry about rate reductions throughout the commitment period | FIA | ★ 4.3 | 10-yr | — | — | View → |
| American National Select Focus 7 American National · Accumulation-focused savers with a 7-year horizon who want a broad, diversified index menu including uncapped strategies and an optional Performance Rate Rider — plus the ability to keep contributing during the term | FIA | ★ 4.3 | 7-yr | — | — | View → |
| American National Smart Start Accumulator Series American National · Buyers who want an accumulation-focused FIA with a Best Entry Window feature, up to 20% premium enhancement, five diverse indices, and pre-built portfolio allocation options | FIA | ★ 4.3 | 10-yr | — | 14-20% | View → |
| Athene AccuMax 5 Athene · Buyers who want a 5-year accumulation FIA with strategy charges that enable higher crediting potential from a top-rated carrier | FIA | ★ 4.3 | 5-yr | — | — | View → |
| Athene Activate Athene · Retirees who want to convert a lump sum into guaranteed income payments from a top-rated carrier with multiple payout options | Income | ★ 4.3 | 0-yr | — | — | View → |
| Athene Ascent Pro 7 Athene · Buyers who want a 7-year accumulation FIA with the option to add an income rider later from a top-rated carrier | FIA | ★ 4.3 | 7-yr | Yes Optional; varies | — | View → |
| Athene Aviator 5 Athene · Buyers who want a 5-year accumulation FIA with a competitive crediting menu from a top-rated carrier | FIA | ★ 4.3 | 5-yr | — | — | View → |
| Athene Performance Elite 10 Athene · Buyers who want a premium 10-year accumulation FIA with enhanced crediting strategies and income optionality from a top-rated carrier | FIA | ★ 4.3 | 10-yr | Yes Optional; varies | — | View → |
| ClearLine Annuity Security Benefit · Buyers working with a fee-based advisor who want principal-protected accumulation without locking up the money behind a multi-year surrender schedule | FIA | ★ 4.3 | 0-yr | — | — | View → |
| Delaware Life Apex Control 7-Year Delaware Life · Buyers who want the strongest current rate the Apex Control family offers, can comfortably commit for seven years, and value the gentler surrender curve plus flexible 1-year renewal default | MYGA | A- | 7-yr | — | — | View → |
| Delaware Life Pinnacle Plus 10-Year Delaware Life · Buyers who want the longest rate-lock in the Pinnacle Plus family, can comfortably commit for ten years, and value the gradual surrender curve that ends at 0.5% in year ten before dropping to zero | MYGA | A- | 10-yr | — | — | View → |
| Delaware Life Pinnacle Plus 7-Year Delaware Life · Buyers who want a seven-year fixed-rate annuity from a brand-name carrier with a moderate surrender curve, no contractual fees, and the four-period family for laddering | MYGA | A- | 7-yr | — | — | View → |
| Delaware Life TruePath Income Delaware Life · Buyers age 45 or older who want a 10-year income FIA with a built-in GLWB rider and brand-name carrier backing | Income | ★ 4.3 | 10-yr | Yes 1.20% of withdrawal benefit base annually (maximum 1.95%) | — | View → |
| Equitable Retirement Cornerstone 19 B-Share NY Equitable · New York buyers in the 50-70 range who want a variable annuity that can pivot from accumulation to guaranteed lifetime income, value the dual-account 'Investment + Protected Benefit' design, and want interest-rate-linked income roll-up | Variable | ★ 4.3 | 7-yr | Yes Not specified in available materials (GMIB-IX rider charge detailed in rider specs) | — | View → |
| Equitable Structured Capital Strategies Plus 21 NY Wells Fargo Equitable · Wells Fargo-relationship buyers in New York who want a full-feature SCS Plus 21 RILA distributed through their wirehouse channel | FIA | ★ 4.3 | 6-yr | — | — | View → |
| Income Assurance Advisory 7 Jackson · Fee-based advisory clients in the pre-retirement or early-retirement window who want to build future protected income with no surrender charges and full daily liquidity from day one | Income | ★ 4.3 | 0-yr | Yes 1.10% annually (single or joint life); charged on benefit base, deducted from accumulation value; maximum 3.00%; guaranteed for life of rider; cannot be terminated by client | — | View → |
| Income Pay Pro North American · Pre-retirees age 50-70 using long-term dollars who want to lock in a future income floor, plan to defer activation for several years, and value a built-in rider rather than an optional one | Income | ★ 4.3 | 10-yr | Yes 1.15% of GLWB value annually (current); maximum 2.00% | — | View → |
| Index Protector 7 MassMutual Ascend · 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 | ★ 4.3 | 7-yr | — | — | View → |
| IndexFlex Fixed Annuity FP Series 7-Year New York Life · Conservative savers who want a guaranteed floor of zero with index-linked upside, backed by a carrier with the highest possible A.M. Best rating | FIA | ★ 4.3 | 7-yr | — | — | View → |
| IndexFlex Fixed Annuity FP Series NY 5-Year New York Life · New York residents who want a short-term FIA with principal protection, index-linked upside, and the security of one of the strongest-rated carriers in the country | FIA | ★ 4.3 | 5-yr | — | — | View → |
| MYG 7-Year with ROP Athene · Conservative savers who want a locked 7-year rate and a meaningful safety net if their plans change before the term ends | MYGA | A+ | 7-yr | — | — | View → |
| Nationwide New Heights Select 10 Nationwide · Buyers who want the most competitive crediting terms in the standard New Heights Select line with full rider flexibility and broad state availability | FIA | ★ 4.3 | 10-yr | Yes 0.95% (income) or 0.50% (EDB) | 3% (EDB with Bonus rider) | View → |
| Nationwide Stable Income Nationwide · Buyers who want guaranteed lifetime income from a fixed annuity without the complexity of an indexed product, backed by a Fortune 100 carrier | Income | ★ 4.3 | 7-yr | Yes 0.95% (built-in) | — | View → |
| Protective Income Builder Protective Life · Buyers age 50 to 85 who want a 7-year income FIA with an aggressive 10.00% simple rollup on the benefit base, two payout options including one with annual increases after commencement, and Protective's A-plus carrier rating | Income | ★ 4.3 | 7-yr | Yes 1.00% annually on benefit base (mandatory) | — | View → |
| Protective Secure Saver Pro 5-Year Protective Life · Edward Jones clients who want a 5-year guaranteed rate at competitive levels (5.20% at $75K+), 10% annual account-value liquidity, a 7%-starting surrender schedule, and 100% MGSV protection | MYGA | A+ | 5-yr | — | — | View → |
| Protective Secure Saver Pro 7-Year Protective Life · Edward Jones clients with a 7-year time horizon who want a competitive guaranteed rate (5.20% at $75K+), 10% annual account-value liquidity, a 7%-starting surrender schedule, and 100% MGSV protection | MYGA | A+ | 7-yr | — | — | View → |
| Prudential FlexGuard Income Pruco Life · Retirees or near-retirees who want index-linked growth potential alongside guaranteed lifetime income and are comfortable accepting some downside risk beyond their chosen buffer | FIA | ★ 4.3 | 6-yr | Yes 1.45% annually (built-in; mandatory; cancelable after year 3) | — | View → |
| Prudential FlexGuard Income 2.0 Pruco Life · Buyers who want lifetime income linked to market performance, value the ability to grow both their account and their income payout over time, and are comfortable with the possibility that income can decrease in down markets | FIA | ★ 4.3 | 6-yr | Yes 1.70% annual benefit charge | — | View → |
