Annuity rate data from AdvisorWorld and CANNEX carrier feeds

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Annuity Providers & Carrier Directory

Browse tracked annuity carriers with financial-strength ratings, provider profiles, and links into current rate/product pages.

91

Carriers

641

Products tracked

Carrier ledger

91 carriers

Guardian Life Insurance Company

0 products tracked

 Guardian Life Insurance Company sl

AM Best

A++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

MassMutual

2 products tracked

MassMutual sl

AM Best

A++

S&P

AA+

Moody's

Aa3

Fitch

AA+

Best comparable MYGA rate

5.75%

7-year · Premier Voyage

Rate data as of

FlatAdvertised 5.75%
myga

MassMutual Ascend Life Insurance Company

29 products tracked

MassMutualAscend-Logo sl

AM Best

A++

S&P

AA

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.75%

5-year · Advantage 5 Advisory

Rate data as of

FlatAdvertised 5.75%
mygafiarila

New York Life Insurance and Annuity Corporation (NYLIAC)

7 products tracked

New York Life Insurance and Annuity Corporation (NYLIAC) sl

AM Best

A++

S&P

AA+

Moody's

Aa1

Fitch

AAA

Best comparable MYGA rate

5.60%

7-year · Secure Term MVA II

Rate data as of

FlatAdvertised 5.60%
mygafia

Reliance Standard

9 products tracked

rs sl

AM Best

A++

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

5.90%

7-year · Reliance Guarantee

Rate data as of

FlatAdvertised 5.90%
mygafia

USAA Life Insurance Company

0 products tracked

user sl

AM Best

A++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Allianz

18 products tracked

allianz life sl

AM Best

A+

S&P

AA

Moody's

Aa3

Fitch

AA

Best comparable MYGA rate

No comparable MYGA rate on file.

fiarila

American Life

7 products tracked

American Life sl

AM Best

A+

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.82%

5-year · American Classic

Rate data as of

StepAdvertised 6.30%
mygafia

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Athene Annuity and Life Company

32 products tracked

small_logo_athene

AM Best

A+

S&P

A+

Moody's

A1

Fitch

A+

Best comparable MYGA rate

5.95%

7-year · Athene MaxRate

Rate data as of

FlatAdvertised 5.95%
mygafiarila

Columbus Life Insurance Company

0 products tracked

Columbus Life Insurance Company sl

AM Best

A+

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Integrity Life Insurance Company

8 products tracked

Integrity Life Insurance Company sl

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA

Best comparable MYGA rate

4.98%

3-year · SPDA Series II

Rate data as of

StepAdvertised 5.65%
mygafia

Lafayette Life

2 products tracked

Lafayette

AM Best

A+

S&P

AA-

Moody's

Not on file

Fitch

AA

Best comparable MYGA rate

No comparable MYGA rate on file.

fia

Midland National

22 products tracked

md sl

AM Best

A+

S&P

A+

Moody's

Not on file

Fitch

A+

Best comparable MYGA rate

6.00%

5-year · Oak ADVantage

Rate data as of

FlatAdvertised 6.00%
mygafiarila

Mutual of Omaha

4 products tracked

moo sl

AM Best

A+

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

5.75%

7-year · Ultra-Premier

Rate data as of

FlatAdvertised 5.75%
mygafia

National Life Group

0 products tracked

National Life Group sl

AM Best

A+

S&P

A+

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Nationwide Life Insurance Company

14 products tracked

Nationwide Life Insurance Company sl

AM Best

A+

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

6.00%

5-year · Secure Growth

Rate data as of

FlatAdvertised 6.00%
mygafiarila

North American Company

19 products tracked

North American Company sl

AM Best

A+

S&P

A+

Moody's

Not on file

Fitch

A+

Best comparable MYGA rate

5.85%

5-year · NAC Guarantee Plus

Rate data as of

FlatAdvertised 5.85%
mygafia

Pacific Life

12 products tracked

Pacific Life Annuities

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA-

Best comparable MYGA rate

5.75%

5-year · Expedition 2 with MVA

Rate data as of

FlatAdvertised 5.75%
mygafiarila

Protective Life Insurance Company

7 products tracked

Protective sl

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA-

Best comparable MYGA rate

6.00%

5-year · SecureSaver

Rate data as of

FlatAdvertised 6.00%
mygafia

Prudential Financial

14 products tracked

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA-

Best comparable MYGA rate

6.00%

7-year · Prudential WealthGuard

Rate data as of

FlatAdvertised 6.00%
mygafiarila

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Securian Financial

7 products tracked

Securian Financial sl

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA

Best comparable MYGA rate

5.65%

7-year · SecureOption Choice

Rate data as of

FlatAdvertised 5.65%
mygafiarila

Western-Southern Life Assurance Company

5 products tracked

AM Best

A+

S&P

AA-

Moody's

Aa3

Fitch

AA

Best comparable MYGA rate

5.26%

3-year · MultiRate

Rate data as of

StepAdvertised 6.60%
myga

American Equity Investment Life Insurance Company

16 products tracked

american_equity

AM Best

A

S&P

A

Moody's

Not on file

Fitch

A

Best comparable MYGA rate

3.75%

3-year · American Equity GuaranteeShield

Rate data as of

FlatAdvertised 3.75%
mygafia

American National Life Insurance Company

21 products tracked

small_logo_american_national

AM Best

A

S&P

A

Moody's

Not on file

Fitch

A

Best comparable MYGA rate

5.65%

5-year · Palladium MYG Max

Rate data as of

FlatAdvertised 5.65%
mygafia

Americo

10 products tracked

Americo Financial Life and Annuity Insurance Company

AM Best

A

S&P

BBB

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.00%

7-year · Platinum Assure

Rate data as of

FlatAdvertised 6.00%
mygafia

AuguStar Financial

32 products tracked

Augusta small logo

AM Best

A

S&P

Not on file

Moody's

Baa1

Fitch

A

Best comparable MYGA rate

6.10%

5-year · LunarLock MYGA

Rate data as of

FlatAdvertised 6.10%
mygafia

Brighthouse Financial

9 products tracked

brighthouse financial

AM Best

A

S&P

A

Moody's

A3

Fitch

A-

Best comparable MYGA rate

5.50%

7-year · Brighthouse Fixed Rate Annuity with MVA

Rate data as of

FlatAdvertised 5.50%
mygafiarila

Corebridge Financial

34 products tracked

American General Life.

AM Best

A

S&P

A+

Moody's

A2

Fitch

A+

Best comparable MYGA rate

6.30%

3-year · American Pathway Fixed 7 Annuity

Rate data as of

StepAdvertised 6.30%
mygafiarila

Equitable Financial Life Insurance of America

5 products tracked

Equitable Financial Life Insurance of America sl

AM Best

A

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

rila

F&G Annuities and Life

22 products tracked

F&G Annuities & Life

AM Best

A

S&P

A-

Moody's

A3

Fitch

A-

Best comparable MYGA rate

5.55%

7-year · F&G Secure MYGA® MVA

Rate data as of

FlatAdvertised 5.55%
mygafiarila

First Symetra National Life Insurance Company Of New York

0 products tracked

First Symetra National Life Insurance Company Of New York sl

AM Best

A

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Global Atlantic Financial Group

13 products tracked

Global Atlantic Financial Group sl

AM Best

A

S&P

A

Moody's

A2

Fitch

A

Best comparable MYGA rate

6.00%

5-year · SecureFore

Rate data as of

FlatAdvertised 6.00%
mygafiarila

Jackson National Life

12 products tracked

Jackson sl

AM Best

A

S&P

A

Moody's

A3

Fitch

A

Best comparable MYGA rate

5.50%

5-year · Jackson RateProtector

Rate data as of

FlatAdvertised 5.50%
mygafiarila

Lincoln Financial

19 products tracked

Lincoln  Financial

AM Best

A

S&P

A+

Moody's

A2

Fitch

A+

Best comparable MYGA rate

6.00%

5-year · Lincoln Select

Rate data as of

FlatAdvertised 6.00%
mygafiarila

Pacific Guardian Life Insurance Company

1 product tracked

Pacific Guardian Life Insurance Company

AM Best

A

S&P

A+

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.20%

5-year · Diamond Head MYGA

Rate data as of

FlatAdvertised 5.20%
myga

Royal Neighbors of America

1 product tracked

Royal Neighbors of America

AM Best

A

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.80%

10-year · Multi-year Guarantee Annuity

Rate data as of

FlatAdvertised 5.80%
myga

Standard

15 products tracked

standard

AM Best

A

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

5.55%

5-year · Multi-Choice Annuity

Rate data as of

FlatAdvertised 5.55%
mygafia

Symetra Life Insurance Company

10 products tracked

Symetra sl

AM Best

A

S&P

A

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

6.10%

7-year · Select Max

Rate data as of

FlatAdvertised 6.10%
mygafiarila

Transamerica

3 products tracked

Transamerica

AM Best

A

S&P

A+

Moody's

A1

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

rila

TruStage

0 products tracked

TruStage sl

AM Best

A

S&P

A+

Moody's

A2

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Aspida

9 products tracked

small_logo_aspida

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.65%

7-year · Aspida Advisory MYGA

Rate data as of

FlatAdvertised 6.65%
mygafia

Axonic Insurance Services (AIS)

9 products tracked

axonic

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.10%

5-year · Waypoint MYGA

Rate data as of

FlatAdvertised 6.10%
mygafia

Capitol Life Insurance Company

0 products tracked

clic

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Clear Spring Life

5 products tracked

clear spring life

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.45%

5-year · Preserve Multi-Year Guaranteed Annuity

Rate data as of

FlatAdvertised 5.45%
mygafia

Delaware Life

13 products tracked

Delaware small logo

AM Best

A-

S&P

A-

Moody's

Not on file

Fitch

A-

Best comparable MYGA rate

5.95%

5-year · Apex MYGA

Rate data as of

FlatAdvertised 5.95%
mygafia

Eagle Life Insurance Company

7 products tracked

Eagle Life sl

AM Best

A-

S&P

A

Moody's

Not on file

Fitch

A

Best comparable MYGA rate

5.50%

5-year · Eagle Guarantee Focus Series

Rate data as of

FlatAdvertised 5.50%
mygafia

Gainbridge

0 products tracked

Gainbridge sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

GBU Life

6 products tracked

GBU Life sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.50%

5-year · Asset Guard

Rate data as of

FlatAdvertised 5.50%
mygafia

GCU

6 products tracked

GCU sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.60%

1-year · Flex 8

Rate data as of

FlatAdvertised 5.60%
mygafia

Guaranty Income Life

5 products tracked

Guaranty Income Life Insurance Company sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

4.40%

5-year · Guaranty Rate Lock

Rate data as of

FlatAdvertised 4.40%
mygafia

Ibexis

0 products tracked

I sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Knighthead Life

3 products tracked

Knighthead Life sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.93%

7-year · Staysail

Rate data as of

SimpleAdvertised 7.10%
mygafia

Oceanview Life

4 products tracked

Oceanview Life and Annuity sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.90%

7-year · Sky Harbourview Multi-Year Guaranteed Annuity

Rate data as of

FlatAdvertised 5.90%
mygafia

Oxford Life Insurance Company

1 product tracked

Oxford Life Insurance Company sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

A-

Best comparable MYGA rate

6.35%

10-year · Multi Select

Rate data as of

FlatAdvertised 6.35%
myga

Prosperity Life

0 products tracked

Prosperity Life

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

S.USA Life Insurance Company, Inc.

13 products tracked

S.USA Life Insurance Company, Inc.

AM Best

A-

S&P

A-

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.90%

7-year · Select Choice

Rate data as of

FlatAdvertised 5.90%
mygafia

Sagicor Life Insurance Company

3 products tracked

Sagicor Life Insurance Company

AM Best

a-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.90%

7-year · Milestone Max MYGA

Rate data as of

FlatAdvertised 5.90%
mygafia

SBLI USA Life Insurance Company, Inc.

0 products tracked

SBLI USA sl

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Security Benefit Life

8 products tracked

Security Benefit Life

AM Best

A-

S&P

A-

Moody's

Not on file

Fitch

A-

Best comparable MYGA rate

5.85%

5-year · Advanced Choice

Rate data as of

FlatAdvertised 5.85%
mygafia

Talcott Financial Group

4 products tracked

AM Best

A-

S&P

BBB+

Moody's

Baa1

Fitch

A-

Best comparable MYGA rate

6.00%

10-year · EverStead MYGA

Rate data as of

FlatAdvertised 6.00%
mygafia

United Heritage

0 products tracked

United Heritage Logo

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

United Life Insurance Company

6 products tracked

United Life Insurance Company

AM Best

A-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

4.80%

5-year · Performance SPDA

Rate data as of

FlatAdvertised 4.80%
mygafia

Atlantic Coast Life

7 products tracked

aAtlantic Coast
Under review — negative implications · effective

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.91%

5-year · Safe Harbor Bonus Guarantee

Rate data as of

StepAdvertised 7.45%
mygafia

Baltimore Life Insurance Company

1 product tracked

The Baltimore Life Insurance Company SL

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.80%

5-year · IQumulate Single Premium Deferred Annuity

Rate data as of

FlatAdvertised 5.80%
myga

Canvas Annuity

2 products tracked

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.50%

10-year · Canvas Future Fund 10 Year

Rate data as of

FlatAdvertised 6.50%
myga

CL Life

3 products tracked

CL Life small logo

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.00%

5-year · CL Sundance

Rate data as of

FlatAdvertised 6.00%
myga

ELCO Mutual Life & Annuity

2 products tracked

ELCO Mutual Life & Annuity

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.70%

5-year · Guardian Eagle

Rate data as of

FlatAdvertised 5.70%
myga

EquiTrust Life Insurance Company

15 products tracked

EquiTrust Life Insurance Company

AM Best

B++

S&P

A-

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.70%

10-year · Certainty Select

Rate data as of

FlatAdvertised 5.70%
mygafia

Farmers Life Insurance Company

3 products tracked

Farmers Life Insurance Company sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.15%

5-year · Safeguard Plus

Rate data as of

FlatAdvertised 6.15%
mygafia

Gulf Guaranty Life Insurance Company

1 product tracked

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.00%

5-year · Anchor MYGA

Rate data as of

FlatAdvertised 6.00%
myga

Heartland National Life Insurance Company

2 products tracked

Heartland National Life Insurance Company sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.15%

10-year · Secure Rate Pro

Rate data as of

FlatAdvertised 6.15%
myga

Investor Heritage

0 products tracked

Investors Heritage sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Investors Heritage

1 product tracked

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

BBB-

Best comparable MYGA rate

3.65%

7-year · Heritage Builder Annuity

Rate data as of

FlatAdvertised 3.65%
myga

Liberty Bankers

0 products tracked

lb sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Manhattan Life Insurance Company

0 products tracked

Manhattan Life Insurance Company sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Nassau Life

11 products tracked

NLI sl

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.85%

7-year · MYAnnuity

Rate data as of

FlatAdvertised 5.85%
mygafia

Revol One Financial

10 products tracked

Revol One Financial

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.30%

10-year · DirectGrowth MYGA

Rate data as of

FlatAdvertised 6.30%
mygafia

Sentinel Security Life

6 products tracked

Sentinel Security Life Insurance Company sl
Under review — negative implications · checked

AM Best

B++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.25%

5-year · Personal Choice Annuity

Rate data as of

FlatAdvertised 6.25%
mygafia

NexAnnuity

1 product tracked

NexAnnuity sl

AM Best

B+

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

5.75%

3-year · Nex MYGA

Rate data as of

FlatAdvertised 5.75%
myga

Stellar National Life

0 products tracked

Stellar National Life  sl

AM Best

B+

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Wichita National Life Insurance Company

1 product tracked

Wichita National Life Insurance Company sl

AM Best

B+

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.40%

5-year · Security MYGA

Rate data as of

FlatAdvertised 6.40%
myga

Silac Insurance Company

30 products tracked

SILAC
Under review — developing implications · checked

AM Best

B

S&P

Not on file

Moody's

Not on file

Fitch

BBB-

Best comparable MYGA rate

4.75%

5-year · Secure Savings Elite

Rate data as of

FlatAdvertised 4.75%
mygafia

Mountain Life Insurance Company

2 products tracked

Mountain Life Insurance Company sl
Under review — developing implications · checked

AM Best

B-

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

6.45%

5-year · Alpine Horizon

Rate data as of

FlatAdvertised 6.45%
myga

GILICO

0 products tracked

g sl

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Nassau Life Insurance Company (NY)

0 products tracked

Nassau Life Insurance Company (NY) sl

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

National Security Insurance Company

0 products tracked

National Security Insurance Company sl

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

OneAmerica

0 products tracked

One America small logo

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Polish Falcons of America

0 products tracked

Polish Falcons of America sl

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Upstream Life

0 products tracked

Upstream Life sl

AM Best

C++

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Western Catholic Union

0 products tracked

Western Catholic Union sl

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

Western United

0 products tracked

wula_logo

AM Best

Not on file

S&P

Not on file

Moody's

Not on file

Fitch

Not on file

Best comparable MYGA rate

No comparable MYGA rate on file.

How to evaluate annuity companies

The right carrier is not just the one with the highest rate. Financial strength, contract transparency, service history, and product fit all matter when comparing annuity companies.

Financial strength

Review AM Best, S&P, Moody's, and Fitch ratings when available, and remember that some insurers are subsidiaries backed by larger holding companies.

Fees and surrender terms

Administrative charges, rider costs, mortality and expense fees, and surrender schedules can change the value of a contract even when the headline benefit looks attractive.

Service and oversight

Customer complaint patterns, claims responsiveness, and regulatory actions are useful warning signs when deciding whether a carrier deserves more diligence.

Product fit

Flexible withdrawal provisions, rider availability, and clear disclosures matter because annuity contracts are long-term commitments.

Looking for a ranked list?

Compare A-rated annuity companies.

This directory shows the full carrier ledger. The ranked hub applies an A-range financial-strength floor.

View ranked companies

Popular carrier comparisons

Side-by-side carrier matchups built from the same live CANNEX rate data as the provider profiles.

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