We’ve done the research for you. The no-load variable annuities below are what we believe to be the most competitive no-load annuity products. Contact Annuity FYI 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.

ANNUITY FYI’S TOP NO-LOAD ANNUITY PICKS
Company & AnnuityFees (Management Fees Vary with Portfolio)Surrender PeriodDeath Benefit Available?Living Benefit Available?To Order a Free Information Kit
fidelity

Personal Retirement Annuity

MEA:
<$1M: 0.25%
$1M+: 0.1%
NoneNoNo1-866-223-2121
pacificlife

Pacific Odyssey Annuity

MEA: 0.40%NoneYesYes1-866-223-2121

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)
NoneYesNo1-866-223-2121
vanguard

Vanguard Variable Annuity

MEA:
Accumulated Value: 0.295%
Return of Premium: 0.475%
$25 Annual Contract Maintenance Fee (waived if Accumulated Value is $25,000 or more)
NoneYesYes1-866-223-2121
jefferson

Monument Advisor

$20 per month regardless of premiumNoneNoNo1-866-223-2121
ameritas

Ameritas Variable Annuity

M&E: 0.70%
Annual Service Fee $40 (waived if contract value is at least $50K)
NoneYesYes1-866-223-2121

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