Variable Annuity Reviews

Reviews of variable annuities offering market-linked accumulation, tax-deferred growth, and optional living benefit riders. Rated on cost efficiency, investment menu, liquidity, rider value, and overall fit for accumulation and income-planning buyers.

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Variable annuity reviews

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Showing 1–15 of 135 products

Product	Type	Rating	Surrender	Income rider	Bonus
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 →
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 →
Schwab Genesis Advisory Variable Annuity Protective Life · Schwab advisory clients who want a variable annuity with no surrender charges, exceptionally low 0.25% base expense, 129 subaccount choices, and optional SecurePay II (Schwab) living benefit rider through their existing Schwab relationship	Variable	★ 4.3	0-yr	—	—	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 →
Nationwide L.inc+ Core Advisory Nationwide · Fee-based advisor clients who want the cost efficiency of an advisory VA with the added flexibility of optional living benefit riders for income planning	Variable	★ 4.2	0-yr	Yes Varies by rider elected	—	View →
Pacific Advisory Variable Annuity Pacific Life Annuity · Fee-based investors who want market exposure inside a tax-deferred annuity wrapper, full liquidity, and a cost-conscious fee structure built for RIA relationships	Variable	★ 4.2	0-yr	—	—	View →
Prudential MyRock Advisor Variable Annuity Pruco Life · RIA clients who want full investment flexibility across 89 subaccounts with no surrender period, low base costs, and the option to add a performance-linked income layer	Variable	★ 4.2	0-yr	—	—	View →
Protective Investors Benefit Advisory Variable Annuity Protective Life · Fee-based advisory clients who want a variable annuity with no surrender charges, low 0.30% base expense, 146 variable subaccounts, and optional SecurePay III living benefit rider	Variable	★ 4.2	0-yr	—	—	View →
Equitable Investment Edge 15 Advisor Equitable · Clients of fee-only or fee-based advisors who want tax-deferred investing inside a low-M&E advisor-share variable annuity, with full liquidity and no commission baked into the chassis	Variable	★ 4.2	0-yr	—	—	View →
Retirement Cornerstone Series 19 B-Share Equitable · Pre-retirees and early retirees aged 50-70 who want a variable annuity that can deliver market upside during deferral and pivot to guaranteed lifetime income on their timeline, with a dual-account design that separates growth money from protected-income money	Variable	★ 4.2	7-yr	Yes 1.40% (max 2.50%) of benefit base	—	View →
American Legacy Shareholder's Advantage (Fee-Based) Lincoln · Investors working with a fee-only or fee-based advisor who want true market participation through subaccounts inside a low-cost, no-surrender annuity wrapper	Variable	★ 4.2	0-yr	—	—	View →
Principal Pivot Series Variable Annuity Principal Life · Buyers who want broad market access inside an annuity wrapper, a relatively short surrender period, and the option to add a step-up or return-of-premium death benefit	Variable	★ 4.1	5-yr	—	—	View →
Schwab Genesis Variable Annuity Protective Life · Schwab clients with $100,000+ to deploy who want a low-cost variable annuity with no surrender charges, M&E that scales down at higher account values, 129 subaccount choices, and optional SecurePay II (Schwab) living benefit rider	Variable	★ 4.1	0-yr	—	—	View →
ChoicePlus Advisory Lincoln · Buyers working with a fee-only or fee-based advisor who want tax-deferred market investing through subaccounts, full liquidity with no surrender schedule, and the choice to add lifetime income only if they want it	Variable	★ 4.1	0-yr	—	—	View →
Advisory Retirement Income Annuity Nationwide · Investors working with a fee-only advisor who want market-based growth in a tax-deferred wrapper, a very low base contract cost, and the option to bolt on lifetime income later	Variable	★ 4.1	0-yr	Yes Core Advisory (Single): 1.30% (max 1.50%); Core Advisory (Joint): 1.60% (max 1.90%); Accelerated Advisory (Single): 1.30% (max 1.50%); Accelerated Advisory (Joint): 1.60% (max 1.90%); Pro 4 (Single): 0.45% (max 0.55%); Pro 4 (Joint): 0.60% (max 0.70%)	—	View →

Products are ranked by our editorial star rating, not by rate or commission. Ratings are snapshots and reflect features as documented — confirm current terms and state availability with the carrier. Information, not a quote or recommendation.

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