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.

Please contact Annuity FYI to speak with a highly qualified licensed Registered Investment Advisor (RIA) that can help you select the best manager(s) to meet your goals and risk tolerance.

Company & AnnuityFees (Management Fees Vary with Portfolio)Surrender PeriodDeath Benefit Available?Living Benefit Available?To Order a Free Information Kit
jeffersonMonument Advisor$20 per month regardless of premiumNoneNoNo1-866-223-2121
fidelityPersonal Retirement Annuity MEA:
<$1M: 0.25%
$1M+: 0.1%
pacificlifePacific Odyssey AnnuityMEA: 0.40%NoneYesYes1-866-223-2121
 Monumental Life Insurance
Company Advisor’s Edge
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)
vanguardVanguard Variable AnnuityMEA:
Accumulated Value: 0.295%
Return of Premium: 0.475%
$25 Annual Contract Maintenance Fee (waived if Accumulated Value is $25,000 or more)

Ameritas Advisor No-Load VA
M&E: 0.45% Annual Service Fee $40 (waived at $50k & over account value) Minimum Premium $2,000NoneYesYes1-866-223-2121

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