Every annuity we've reviewed

Allianz · Buyers who want the Allianz 222 income design with enhanced features and a premium bonus for a stronger starting position

Allianz · Buyers who want a comprehensive income-focused FIA that balances lifetime income, legacy planning, and accumulation potential

Allianz · Buyers who want the Benefit Control design with enhanced features and a premium bonus for a stronger income foundation

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

American National · Buyers who want an accumulation-focused FIA with a Best Entry Window feature, five diverse indices, and pre-built portfolio allocation options

Athene · Buyers who want a 5-year accumulation FIA with a competitive crediting menu from a top-rated carrier

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

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

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

Guardian · Savers who want a genuinely top-tier carrier behind a six-year guarantee and don't need the money back before the term is up

Oxford Life · Buyers who want the highest guaranteed rate currently available anywhere in Oxford Life's Multi-Select ladder, locked for six years

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

Reliance Standard Life · Buyers who want a short-commitment FIA with a genuinely varied crediting menu and a low $20,000 entry point, backed by an A++ carrier

Reliance Standard Life · Conservative savers who want a full seven-year rate lock backed by an exceptionally strong carrier, without annual reset risk

MassMutual Ascend · 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

Allianz · Buyers who want a shorter-duration accumulation FIA from a top-rated carrier with a solid crediting menu and no income rider complexity

Allianz · Buyers who want an income-focused FIA with a meaningful chronic illness income enhancement from a top-rated carrier

Allianz · Buyers who want a shorter-duration income FIA with a 7-year surrender period from a top-rated carrier

American Equity · Buyers who want a 14% premium bonus combined with built-in lifetime income and Wellbeing Benefit

MassMutual Ascend · 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

American National · Income-oriented savers who want a 7-year MYGA with immediate 10% free withdrawal access and no lingering MVA after the guarantee period ends

American National · Conservative savers who want a 7-year FIA with all rates guaranteed at issue, no annual resets, and multiple crediting strategies including a positive floor on negative index years

American National · Single-premium accumulators who want an upfront premium enhancement (14% no-fee or 20% with a fee) combined with the Best Entry Window and preset diversified portfolios

American National · Flexible-premium accumulators with a decade-long horizon who want a 1% bonus credited to every payment made in the first seven years, six indexed strategies across four indices, and the option to add a lifetime income rider whose fee is capped at its current level

Athene · Buyers who want a 7-year accumulation FIA with strategy charges that enable higher crediting potential from a top-rated carrier

Athene · Buyers who want a 10-year accumulation FIA with built-in income and death benefit features from a top-rated carrier

Delaware Life · Buyers who want a five-year fixed-rate annuity from a brand-name carrier with a moderate 8% surrender start and the four-period family flexibility for laddering

The Standard · Buyers who want a shorter FIA commitment, a wider-than-average crediting menu, and a no-cost guarantee that they get their premium back at the end of the surrender period

The Standard · Accumulation-focused buyers who want a deep index-strategy menu, a lower $15,000 minimum premium, and the option to add an enhanced death benefit

Talcott Financial Group · Buyers with at least $25,000 to commit for seven years who want multi-index growth potential with principal protection and no interest in an income rider

Talcott Financial Group · Pre-retirees who want to lock in a future lifetime paycheck, will actually defer income for several years, and value a low, fixed rider fee over maximum accumulation

Talcott Financial Group · Buyers with $25,000 or more (ideally $100,000+) who want a straightforward 5-year locked rate outside CA and NY without rider complexity

Guardian · Conservative savers who want a top-rated carrier, a true 4-year rate lock, and no market value adjustment — especially anyone filling a rung of a CD-style ladder that a lot of carriers skip over

GCU · Buyers who want a competitive current declared rate, a fast-declining surrender schedule, and no market value adjustment, and who are comfortable with a rate that can reset before the surrender period is over

Forethought · Pre-retirees in their 50s to mid-60s who want to lock in future lifetime income, value a built-in rider, and prefer a 7-year commitment over a 10-year one

Midland National · Savers who want a locked, guaranteed rate for five years from a highly rated carrier without paying for rider complexity they do not need

Oceanview · Savers who can commit $20,000+ for four years and want a clean, bonus-free locked rate from an A-rated carrier

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

Capitol Life · Buyers who want a full 7-year guaranteed rate with a modest first-year lift and don't need access to principal during the term

National Life Group · Pre-retirees and early retirees using long-term money to build future lifetime income who want a built-in roll-up and a genuine choice between paying for a benefit-base bonus or taking a no-charge income rider

Midland National · 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

Integrity · Pre-retirees in their fifties to mid-seventies who want to fund future guaranteed lifetime income and can leave the money alone for seven years

Reliance Standard Life · Buyers who want a low-minimum, no-fee accumulation FIA backed by a top-tier carrier, without paying for an income rider they may never use

Ibexis · 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

North American · Savers who want a guaranteed fixed rate for five years, a clean structure with no rider complexity, and the backing of an A+ rated carrier

North American · Accumulation-focused buyers who want index-linked growth potential and value knowing their caps and participation rates won't be reset during the surrender period

Nationwide · Buyers who want a low-minimum, principal-protected FIA with a 7-index BAS crediting menu and the flexibility to add either an income or enhanced death benefit rider

Nationwide · Buyers who want 3-year strategy terms for potentially higher growth, a 7-index BAS crediting menu, and optional income or death benefit riders

Athene · Buyers who want a large upfront premium bonus, broad index access, and accumulation-focused FIA mechanics without an income rider