Compare Low-Cost VARIABLE Annuities

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We get a lot of phone calls from investors asking us what are among some of the best values in the variable annuity marketplace. This table lists what we believe are some of the best annuities and riders for the cost. That said, just because an annuity is low cost doesn't mean it is the best investment for your particular needs. Contact Annuity FYI at 866 223-2121 and we will be happy to discuss with you the best annuity for your specific needs.

See also our article on Variable Annuity Fee Standards
For financial strength ratings on companies below, click here.

Low-Cost Annuities

Company & Product	ME&A Fees (Sub-Account Fees)	Sub- Account Fees	Why We Feature This Annuity	To Order a Free Information Kit
Premier Advisor	M&E: 0.55% Contract Fee: Lesser of $50 or 2% of account value (waived over $100K)	0.62-1.66%	We feature this annuity because it is low-cost and has competitive living income and death benefit riders. It also has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. HDi LWB Rider (from 1.00%)
Pacific Odyssey	ME&A: 0.40%	0.29-1.97%	We feature this annuity because it has very low ME&A fees and has basic living income and death benefit riders at a very low cost. It also has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. Core Income Advantage 4/5 LWB Rider (from 0.40%)
Vanguard Variable Annuity	ME&A: 0.295% $25 annual service fee (waived if accumulated value is at least $25K)	0.06-0.44%	We feature this annuity because it has very low ME&A fees. The base ME&A does not include a return of premium death benefit rider (most do). This can be an effective way to minimize the cost of the annuity. It also has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. Return of Premium Death Benefit Rider (0.20%)
Ameritas Variable Annuity	M&E: 0.60% $40 annual service fee (waived if contract value is at least $50K)	0.06-4.89%	We feature this annuity because it is low-cost and has competitive living income benefit riders. However, it does not offer any enhanced death benefit riders. It has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. GLWB 2 LWB Rider (from 1.25%)
American Legacy III C-Share	M&E: 1.70% $35 annual service fee (waived if contract value is at least $100K)	0.53-1.12%	We feature this annuity because it has low M&E fees, low sub-account management fees and a very competitive LWB rider with exceptionally low age bands. It also has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. Lifetime Income Advantage Protected Funds (from 1.05%)
Polaris Advisor III	M&E: 1.65% $50 annual service fee (waived if contract value is at least $75K)	0.72-1.57%	We feature this annuity because it has low fees and offers low-cost, competitive lifetime income and death benefit riders. It also has no surrender charges, so this can be a good option for an investor needing spur of the moment access to their money. Income Plus 6 LWB Rider (from 1.10%)

Updated: 01/24/13.