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
New Product Alert! Up to a 73% participation rate on the S&P 500 for five years with the ability to lock in gains
2.
Accumulator Plus
Why We Like It
One of the highest S&P 500 caps currently available at 13.25% per year from an A rated carrier
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 up to 8.75% per year which are locked in for the entire term
4.
WealthChoice
Why We Like It
Up to 10.25% annual cap on the S&P 500 from an A- rated company with good renewal rate history and no fees, bailout rate included
5.
Harbourview
Why We Like It
Available from 3 - 10 years. Earn up to 8.25% guaranteed in year 1, with up to 8% caps on the S&P 500, NASDAQ 100 and Russell 2000 available after. No fees
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.
Livewell
Why We Like It
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
Extremely competitive guaranteed lifetime income, particularly when deferring 5+ years. A+ rated company founded in 1886
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.
MarketFuture
Why We Like It
Competitive guaranteed lifetime income at the 6-10 year deferral range, competitive fee structure and strong Long Term Care rider. B++ rated company
5.
150+ SE
Why We Like It
Highest in class immediate income. Best 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
Why We Like It
Up to 10.25% annual cap on the S&P 500 from an A- rated company with good renewal rate history and no fees.
2.
TopRidge Bonus
Why We Like It
Jack of All Trades! 21% premium bonus, strong index strategies, up to 30% cumulative withdrawals for unique withdrawal strategies.
3.
Trailhead Plus
Why We Like It
Large bonuses at every term (26% for 10 years, 18% for 7 years and 13% for 5 years). S&P 500 based index options, 10% withdrawals after year 1, fee and no fee options, A- rated company.
4.
Omega Bonus Plus
Why We Like It
Receive a bonus as high as 31%, product is available through the age of 80 from an A rated carrier. Great for those who want a bonus but traditionally have trouble finding one due to age.
5.
Charter Plus 14
Why We Like It
Features a recently-raised 31% 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
