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DB-backed product comparison
Compare current product data, carrier backing, rates, liquidity, surrender terms, and rider mechanics. This page is part of the product-level evidence behind AnnuityRatesHQ annuity rates.
Fixed Indexed Annuity
Farmers Life Insurance Company
Best cap
9.5%
A.M. Best
B++
Free withdrawal
5%
Surrender period
7 yrs
D
A
A
A
A
A
Fixed Indexed Annuity
Security Benefit Life Insurance Company
Best cap
14.5%
A.M. Best
A-
Free withdrawal
10%
Surrender period
10 yrs
D
A
A
A
A
A
How to read this comparison
These pages support the main annuity rates experience by showing why two products are not interchangeable. Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Caps, participation rates, spreads, and fixed buckets show how each FIA creates accumulation potential.
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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