| Vega Bonus 7 Buyers who plan to actually turn on lifetime income, want a no-charge built-in withdrawal benefit, and are comfortable with a B-rated carrier in exchange for an aggressive income-base structure | Income | 7yr | ★ 3.8 | Yes | — | Review → |
| Teton 7-Year Accumulation-focused buyers who want a broad index menu in a 7-year FIA and can accept a B-rated carrier in exchange for competitive crediting terms | FIA | 7yr | ★ 3.7 | — | — | Review → |
| Teton Bonus 7-Year Buyers who want a large upfront account-value boost paired with an unusually light early-surrender schedule for a bonus product, and who can accept the carrier's B rating over a seven-year commitment | FIA | 7yr | ★ 3.7 | — | 12% (through age 80) / 5% (ages 81–90) | Review → |
| Vega Bonus 10-Year Buyers who want a no-cost built-in income rider with a large benefit-base bonus and can defer income for several years, and who are comfortable with a B-rated carrier behind a long income promise | Income | 10yr | ★ 3.7 | Yes | — | Review → |
| Evolve 10-Year Buyers who want to defer income for many years, value a strong 6% compounded roll-up on the income side, and are comfortable with a smaller carrier | Income | 10yr | ★ 3.7 | Yes 1.50% annually fee | 5% | Review → |
| Evolve 7-Year Buyers who want to defer for several years and turn on a guaranteed lifetime income stream backed by a generous roll-up, and who have made peace with a B-rated carrier standing behind that promise | Income | 7yr | ★ 3.7 | Yes 1.50% annually fee | 3% | Review → |
| Evolve Bonus 10-Year Buyers who want a built-in lifetime income rider and an upfront account-value bonus, plan to defer for several years, and are comfortable with a B-rated carrier | Income | 10yr | ★ 3.7 | Yes 1.50% annually fee | 16% (through age 80) / 17% (through age 80) / 20% (through age 80) / 10% (ages 81–85) | Review → |
| Evolve Bonus 7-Year Buyers who want a built-in lifetime income rider with a meaningful roll-up and a sizable upfront bonus, and who are comfortable with a B-rated carrier | Income | 7yr | ★ 3.7 | Yes 1.50% annually fee | 13% (through age 80) / 8% (ages 81–90) | Review → |
| Secure Savings Elite 5-Year Rate-focused buyers who want a clean 5-year guarantee and are willing to trade some yield for optional liquidity features | MYGA | 5yr | B | — | — | Review → |
| Teton Bonus 5-Year Buyers who want a short-term FIA with an upfront account-value boost and are comfortable with vesting restrictions and lower ongoing crediting rates in exchange | FIA | 5yr | ★ 3.6 | — | 8.5% (through age 80) / 4.5% (ages 81–90) | Review → |
| Denali 10 Buyers comfortable with a B-rated carrier who want a broad index menu, a competitive fixed rate, and principal protection over a long horizon | FIA | 10yr | ★ 3.6 | — | — | Review → |
| Denali 7 Buyers who want a broad index menu, no base contract fee, and built-in care waiver provisions, and who can accept a B-rated carrier in exchange for those features | FIA | 7yr | ★ 3.6 | — | — | Review → |
| Vega 10-Year Buyers who want a built-in lifetime income benefit at no extra fee, can commit money for a full decade, and are comfortable with a B-rated carrier behind a long income promise | Income | 10yr | ★ 3.6 | Yes | — | Review → |
| Teton 5-Year Buyers who want a shorter FIA commitment, multiple index strategies, and built-in waiver benefits, and who are comfortable with a B-rated carrier | FIA | 5yr | ★ 3.5 | — | — | Review → |
| Teton Bonus 10-Year Buyers who prioritize a large upfront bonus, plan to hold for the full 10 years, and understand that the headline credit comes funded by constrained growth and a long vesting window | FIA | 10yr | ★ 3.5 | — | 11% (through age 80) / 15% (through age 80) / 5% (ages 81–85) | Review → |
| Denali Bonus 10-Year Buyers with a true 10-year horizon who value an upfront account-value credit and can tolerate the structural tradeoffs that fund it | FIA | 10yr | ★ 3.5 | — | 10% (through age 80) / 5% (ages 81–85) | Review → |
| Denali Bonus 7-Year Buyers who plan to hold through the full 7-year term and value the upfront account-value credit over maximizing index crediting potential | FIA | 7yr | ★ 3.5 | — | 10% (through age 80) / 5% (ages 81+) | Review → |
| Vega 7-Year Buyers who want a no-fee built-in lifetime income benefit, plan to defer for several years, and are comfortable with a smaller, lower-rated carrier | Income | 7yr | ★ 3.5 | Yes | — | Review → |
| Secure Savings 3-Year Buyers who want a short, locked-rate annuity and are comfortable accepting a lower-rated carrier in exchange for simplicity and a brief commitment | MYGA | 3yr | B | — | — | Review → |
| Teton 10-Year Buyers who are comfortable with a lower-rated carrier and want a rich index menu with built-in care waivers at a low minimum premium | FIA | 10yr | ★ 3.4 | — | — | Review → |
| Vega 14-Year Younger pre-retirees with money they truly will not touch for well over a decade, who want a built-in lifetime income engine with no separate rider charge and who are comfortable with a below-A-tier carrier | Income | 14yr | ★ 3.4 | Yes | — | Review → |
| Evolve 14-Year A patient buyer who wants to defer income for a decade or more, will actually turn the income rider on, and is comfortable accepting a B-rated carrier in exchange for an aggressive roll-up | Income | 14yr | ★ 3.4 | Yes 1.50% annually fee | 5% | Review → |
| Secure Savings Elite 3-Year Conservative short-term savers who want a locked rate for three years and are comfortable trading some yield for optional liquidity features | MYGA | 3yr | B | — | — | Review → |
| Teton 14-Year Buyers in their 50s with genuinely long time horizons who can tolerate both an unusually long surrender period and a below-A-tier carrier rating in exchange for a wide crediting menu | FIA | 14yr | ★ 3.3 | — | — | Review → |
| Teton Bonus 14-Year Buyers with a very long time horizon who are willing to accept a below-A-tier carrier in exchange for a large upfront premium bonus and do not plan to touch the money before year 15 | FIA | 14yr | ★ 3.3 | — | 11% (through age 80) | Review → |
| Vega Bonus 14-Year Younger income planners who can lock money away for a decade-plus, want a no-charge built-in lifetime income rider, and are comfortable that the carrier is rated below A-tier | Income | 14yr | ★ 3.3 | Yes | — | Review → |
| Secure Savings 5-Year Buyers in states where SILAC is approved who have already compared rates and carrier ratings against higher-rated alternatives | MYGA | 5yr | B | — | — | Review → |
| Secure Savings Elite 2-Year Buyers who want a very short locked-rate commitment and are willing to accept a below-average carrier rating in exchange for flexibility through optional liquidity riders | MYGA | 2yr | B | — | — | Review → |
| Denali 14 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 | 14yr | ★ 3.2 | — | — | Review → |
| Denali Bonus 14-Year Buyers who are certain they will not need principal access for 14 years and are drawn to the headline bonus figure despite understanding the recapture math | FIA | 14yr | ★ 3.1 | — | 12% (through age 80) / 15% (through age 70) / 13% (ages 71–80) | Review → |
| Secure Savings 2-Year Buyers specifically comfortable with a B-rated carrier who want a clean two-year rate guarantee and expect to renew or exit at the end of the guarantee period | MYGA | 2yr | B | — | — | Review → |
| Evolve Bonus 14-Year A younger income buyer who will not touch the money for well over a decade, wants the largest possible up-front account-value bonus, and is comfortable owning a long income promise from a B-rated carrier | Income | 14yr | ★ 3.0 | Yes | 20% (through age 70) / 18% (ages 71–80) | Review → |
