About Our Top Picks
Annuity FYI’s Top Picks represent what we feel are the best annuities among the thousands of products in the marketplace today.
- Top growth products are based on several factors, including company rating and benefits.
- Top income annuities include products currently offering the highest income* payouts.
- The Fixed or Multi-Year Guarantee Annuity (MYGA) rate table is regularly updated with current top rates by contract period.
Rates can vary by state, age, spousal information, and other factors. Not all products may be available in all areas. For these reasons, we recommend requesting a custom quote or product information by clicking the button below each Top Picks table.
Top Fixed Index Annuities for Growth
Principal protection with upside potential through index participation (such as S&P 500). Principal protection and growth.
1.
Strategic Growth Annuity
Why We Like It
S&P 500 Dynamic Intraday highest participation rate
2.
Growth Annuity
Why We Like It
S&P 500 Dynamic Intraday and Morgan Stanley US Equity Indexes. Rates guaranteed for entire term
3.
Accumulator
Why We Like It
S&P 500 FC Index, NASDAQ FC Index
4.
Retirement Stages Select 7
Why We Like It
S&P Dynamic Intraday, high S&P 500 rates
5.
Zenith Growth
Why We Like It
Highest S&P 500 cap rate at 11%
6.
Rate Certainty Annuity
Why We Like It
High Trigger rates on S&P based index
Top Fixed Index Annuities for Income
Principal protection with upside potential through index participation coupled with a Lifetime Income Benefit Rider.** Principal protection, growth and lifetime income.
1.
150+ SE
Why We Like It
Highest immediate income, on par with SPIA but maintain control of your cash value, A rated company
2.
Ultra Future
Why We Like It
Highest income in early years from an A rated company
3.
Power Select Plus
Why We Like It
Highest income for deferring several years, A rated company
4.
Summit Edge
Why We Like It
Highest income for longer deferral periods, A+ rated company
5.
Summit Journey
Why We Like It
Competive income for short-medium deferral periods from an A+ rated company
6.
Target Income 10
Why We Like It
Benefit from high roll up rates + indexed earnings roll up
Top Bonus Annuities for the Annuity Rescue Program
1.
Performance Elite Plus 10 (Growth)
Why We Like It
Up to 18% premium bonus and compelling participation rates on industry leading indices, A+ rated company
2.
Performance Elite Plus 15 (Growth)
Why We Like It
Up to 20% premium bonus and compelling participation rates on industry leading indices, A+ rated company
3.
TopRidge Bonus (Growth)
Why We Like It
20% premium bonus and compelling caps on NASDAQ, Russell, S&P
4.
IncomeShield 10 with LIBR (Income)
Why We Like It
Highest paying income product with premium bonus from A rated insurance company
5.
Index Builder 10
Why We Like It
20% premium bonus with compelling S&P 500 cap from an A+ company in business for over 100 years
Guaranteed fixed rate of return for a specified period of time.
Top Rates as of 02/26/24
3 Year MYGA
CL Life
CL Sundance 3
6.00%
5 Year MYGA
Wichita National Life
Security 5
6.30%
7 Year MYGA
Nassau Life and Annuity
Nassau MYAnnuity 7X
5.80%
10 Year MYGA
Heartland National
Secure Rate 10
5.80%
Top Fixed Annuity (MYGA) Rates
* Income calculations are based on a male, age 65, living in Florida with a $100,000 investment.
** Usually at an additional fee of .85% to 1.25% annually on average.
*** Usually at an additional fee of .90% to 1.50% annually on average.
