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.
Aviator
Why We Like It
S&P powerhouse! Up to a 9.75% S&P 500 cap and a 73% participation rate over 5 years with no fees from an A+ rated carrier. 10% annual withdrawals available in all years
2.
Reliance Accumulator
Why We Like It
Best of both worlds! Up to a 10.50% cap and a 5.10% fixed rate within the same product. No fees and offered by an A++ rated carrier. 10% annual withdrawals available in all years
3.
CapLock
Why We Like It
Lock your rates in! Cap rates up 9% on benchmark indices like the S&P 500, Russell 2000 and Nasdaq 100. No fees, offered by an A rated carrier. 10% annual withdrawals available in all years
4.
WealthChoice
Why We Like It
Top 5 and 7 year option! Up to 10% annual cap on the S&P 500 from an A- rated company with good renewal rate history and no fees, bailout rate included. 10% annual withdrawals available in all years
5.
IndexFlex
Why We Like It
Where locked in caps meet unparalleled safety! S&P 500 cap of up to 8.75% and Russell 2000 cap of up to 9.50% locked in for the entire term. A++ rated and founded in 1845, NYLife is the largest mutual insurer in America. This product is available in NY at slightly reduced rates.
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.
ForeIncome II
Why We Like It
Jack of all trades! Highest guaranteed lifetime income available in the industry across wide range of ages, states and deferral periods. A+ rated company founded in 1906
2.
Income Pay Pro
Why We Like It
Where high income and unparalleled safety intersect! Competitive guaranteed lifetime income, particularly when deferring 5-10 years. A+ rated company founded in 1886
3.
Income Assurance 10
Why We Like It
Best saved for later! This product features the highest guaranteed lifetime income in the country on an 11+ year deferral, making it ideal for someone planning for future income needs. A rated company
4.
Graybar Income Plus
Why We Like It
A powerful Long Term Care supplement! Competitive income payouts across wide range of deferral periods. Best in class home healthcare doubler
5.
150+ SE
Why We Like It
Best used right away! Highest in class immediate income, ideal for those looking for income within the next 1-12 months while maintaining flexibility and control of their principal.
Top Bonus Annuities for the Annuity Rescue Program
1.
Charter Plus 14
Why We Like It
Where strong bonuses and unparalleled safety intersect! 31% premium bonus from an A+ rated company founded in 1886. 10% withdrawals available after year 1
2.
Performance Elite Plus
Why We Like It
Jack of all trades! 27% premium bonus, enhanced liquidity, return of premium feature and strong index options . A+ rated company. Up to 20% cumulative withdrawals
3.
Trailhead Plus
Why We Like It
A bonus product that can do it all! Large bonuses at every term (26% for 10 years, 18% for 7 years and 13% for 5 years). Fees optional, available through age 89. A- rated company and 10% withdrawals available after year 1
4.
TopRidge Bonus
Why We Like It
A boon for income planning! 21% premium bonus, unique liquidity features making this a compelling choice for income planning or funding life insurance/long term care. A- rated company. Up to 30% cumulative withdrawals
5.
Omega Bonus Plus
Why We Like It
Bonus and locked in caps! Receive a bonus as high as 32% with guaranteed cap rates as high as 7% locked in for the entire term. Product is available through the age of 80 from an A rated carrier. 10% withdrawals available after year 1
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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
Brian P. Hamlin
Annuity Specialist / Financial Writer
This content was written by Brian Hamlin. As an Annuity Specialist, he focuses on client education to empower individuals to make well-informed financial choices.
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Megan Odermatt
Annuity Specialist / Financial Editor
This content was edited by Megan Odermatt. Megan is an Annuity Specialist who is dedicated to delivering informed financial advice.
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Leonard “Lenny” Barenboim
Chief Compliance Officer / Financial Reviewer
This content was reviewed by Lenny Barenboim. Lenny serves as the Chief Compliance Officer and provides rigorous regulatory oversight.
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