Compare No-Load Annuities

The no-load variable annuities below are what we believe to be the most competitive no-load annuity products. Contact an Annuity FYI Expert to make sure that you pick the best no-surrender annuity to meet your needs. Be sure also to visit our section comparing no surrender annuities.

What is a no-load annuity?
Criteria for evaluating these annuities/riders.
For financial strength ratings on companies below, click here.

No-Load Annuities

Company & Annuity	Fees (Management Fees Vary with Portfolio)	Surrender Period	Death Benefit Available?	Living Benefit Available?	To Order a Free Information Kit
ONcore Wrap	M&E: 0.65% Annual Service Fee $30 (waived if contract value is at least $50K)	None	Yes	Yes
TIAA-CREF Intelligent Variable Annuity (IVA)	MEA: <$100,000: 0.50% <$500,000: 0.35% $500,000+: 0.25% After 10 years, the MEA is lowered to 0.10% for any investment amount $25 annual fee (waived if account value is >$25,000)	None	Yes	No
Premier Advisor	M&E: 0.55% Contract Fee: lesser of $50 or 2% of account value, waived over $100k.	None	Yes	Yes
Personal Retirement Annuity	MEA: 0.35%	None	No	No
Pacific Odyssey	MEA: 0.40%	None	Yes	Yes
Monumental Life Insurance Company Advisor's Edge	MEA: Policy Value Death Benefit: 0.55% Return of Premium Death Benefit: 0.60% Annual Step Up: 0.75% Annual Service Fee $30 (waived if premium less withdrawals or policy value is at least $50K)	None	Yes	Yes
Vanguard Variable Annuity	MEA: Accumulated Value: 0.295% Return of Premium: 0.345% Annual Step-Up: 0.415% $25 Annual Contract Maintenance Fee (waived if Accumulated Value is $25,000 or more)	None	Yes	No
Monument Advisor	$20 per month regardless of premium Return of premium death benefit: 0.35%	None	Yes	No

Updated 08/03/10. Reviewed 08/03/10.