Standout Annuity Products Carefully Selected by our Experts!
The annuity market is constantly evolving, with rates and product features shifting in response to economic changes. At Annuity FYI, we understand that staying informed is crucial for maximizing your retirement security. That’s why our expert team is dedicated to providing you with the most current and advantageous annuity recommendations every single month.
Why Trust Annuity FYI’s Picks?
For over 25 years, Annuity FYI has been a direct-to-consumer platform for people who want straightforward, unvarnished guidance on fixed annuities and retirement income. Our team rigorously analyzes current rates, monitors market trends, and evaluates which products offer the best combination of growth potential and guaranteed income opportunities for retirees. This monthly update ensures you always have access to the annuities performing best right now.
About Our Monthly Top Annuity Picks
Rates vary by state, age, spousal info, and other factors. Product availability is not guaranteed in all locations. To receive a custom quote or product information for personalized options, please contact us.
Top Fixed Index Annuities for Growth
Principal protection with upside potential through index participation (such as S&P 500). Principal protection and growth.
1.
Index Protector
Why We Like It
Commission free annuity - S&P 500 annual cap up to 12%, exposure to international and real estate markets for diversification. A++ rated company
2.
OptiBlend
Why We Like It
Contract structure ideal for Roth conversions over a 5-10 year period with no fees or market risk. A rated company
3.
CapLock
Why We Like It
Exposure to benchmark indices like the S&P 500, Russell 2000 and Nasdaq 100 with no fees. Features cap rates which are locked in for the entire term
4.
Accumulator
Why We Like It
Diverse selection of index options, strong cap and participation rates, bailout provisions which allow you to walk away if future caps drop below a certain threshold. A+ rated company
5.
Harbourview FIA
Why We Like It
Fixed rate special of up to 8.25% guaranteed the first year. Offers exposure to the S&P 500, NASDAQ 100 and Russell 2000 with no market risk or fees. A rated company
Top Fixed Index Annuities for Income
Guaranteed Lifetime Income is dependent on multiple factors including, but not limited to age, state of residence and deferral period. Please consult one of our professionals for an exact quote.
1.
MarketEarly
Why We Like It
Highest in class guaranteed lifetime income at the 3-5 year deferral range, competitive fee structure and strong Long Term Care rider. B++ rated company
2.
MarketFuture
Why We Like It
Highest in class guaranteed lifetime income at the 6-10 year deferral range, competitive fee structure and strong Long Term Care rider. B++ rated company
3.
Graybar Income Plus
Why We Like It
Competitive guaranteed lifetime income (particularly at 1, 9 and 10 year deferrals) with best in class home healthcare doubler, guaranteeing doubled income payments in the event of someone not being able to complete 2/6 ADLs on an indemnity basis
4.
Ascent Pro 10 (non bonus)
Why We Like It
Versatile income rider allowing for high amounts of guaranteed lifetime income for up to a 20 year deferral with a home healthcare rider. A+ rated company
5.
Assurance 10
Why We Like It
High immediate, level guaranteed lifetime income in class for both single and joint life. A- rated company
Top Bonus Annuities for the Annuity Rescue Program
1.
Performance Elite Plus
Why We Like It
Features a recently-raised 29% premium bonus, enhanced liquidity, return of premium feature and strong index options . A+ rated company
2.
TopRidge Bonus
Why We Like It
20% premium bonus, unique liquidity features making this a compelling choice for income planning or funding life insurance/long term care. A- rated company
3.
American Select Bonus 10 Plus
Why We Like It
Up to a 23% bonus and issues until age 85. Great for those looking to pare down risk in later years while minimizing impact of paying capital gains taxes. B++ rated company
4.
PrimeStart Bonus 10
Why We Like It
14% premium bonus with a best entry feature allowing you the lowest index buy in price in the first 90 days of issue. A rated company
5.
Charter Plus 14
Why We Like It
Features a recently-raised 29% premium bonus from an A+ rated company founded in 1886
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Discover Standout Annuity Products
We highlight the standout annuity products across various categories that meet our high standards for financial strength, competitive rates, and beneficial rider options. We focus on products designed to help you achieve your specific retirement goals.
Find Annuities That Fit Your Retirement Strategy
Retirement planning is personal. Our picks are curated to help you identify annuities that align with different risk tolerances and income needs, whether you are prioritizing maximum asset growth, principal protection, or a dependable lifetime income stream.
Get Rate Updates and Retirement Planning Insights
The financial landscape can change quickly. Our monthly picks include the latest rate changes and essential retirement planning insights, ensuring your strategy is built on up-to-date information.
Tune in to the Annuity FYI YouTube channel for a monthly video rundown
Each month, Annuity FYI’s Brian Hamlin provides insights into his top Annuity Picks, which are categorized into three key areas:
- Growth Annuities – for those looking to maximize long-term potential
- Bonus Annuities – products with strong upfront incentives
- Fixed Annuities – stable choices offering reliable, guaranteed rates
