Annuity Atlas
Reviews

Expert review · 2026

Stellar National review

Annuity Atlas covers 1 Stellar National annuity product with live rates and contract specs. 1 carry full editorial reviews.

Carrier strength

B
A.M. Best
Products1
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Products covered
1
A.M. Best
B
Categories covered
MYGA
01

1 Stellar National annuity

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
Stellar Security 5
A shopper in one of the small handful of approved states who wants a short, level-rate lock with no MVA and a clean full-account-value death benefit, and who will call to confirm today's actual rate before signing anything
MYGA5yrBReview →
02

Frequently asked questions

Is Stellar National a good annuity company?
We have reviewed 1 Stellar National product, and A.M. Best rates the carrier B for financial strength.
What is the surrender period for Stellar National annuities?
Surrender periods on Stellar National's current lineup run 5 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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