Annuity Providers

Allianz Life Insurance Company of North America, headquartered in Minneapolis, is a leading U.S. provider of retirement and protection solutions. As the U.S. life and annuity arm of Allianz SE, one of the world’s largest financial services groups operating in more than 70 countries, Allianz Life combines global stability with local expertise. The company traces its roots back to 1896 through predecessor organizations and became part of the Allianz group in 1979. Today, Allianz Life is best known for its broad portfolio of annuity products designed to meet diverse retirement income needs. These include fixed annuities, fixed index annuities (FIAs), registered index-linked annuities (RILAs), and multi-year guaranteed annuities (MYGAs), offering clients a range of solutions for guaranteed accumulation, income, and principal protection. The company also provides innovative riders such as guaranteed lifetime withdrawal benefits and enhanced death benefits, reflecting a strong focus on both growth and protection. In New York, life and annuity business is issued through an affiliated company due to state-specific licensing requirements.

American Equity Investment Life Insurance Company is a U.S.-based insurance provider headquartered in West Des Moines, Iowa. Founded in 1995, the company has grown to become a significant player in the fixed and indexed annuities market. American Equity specializes in developing, marketing, and administering annuity and life insurance products through its subsidiaries.

The company operates in all 50 states and the District of Columbia, serving over half a million clients nationwide. American Equity's product lineup primarily focuses on fixed index and fixed rate annuities, which are designed to help individuals preserve their retirement savings and secure a predictable income stream.

American National Insurance Company (ANICO), established in 1905, is a prominent insurance corporation headquartered in Galveston, Texas. Operating across all 50 U.S. states and Puerto Rico, ANICO offers a comprehensive range of insurance products, including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services. 

ANICO operates through multiple subsidiaries, including American National Life Insurance Company of Texas, American National Life Insurance Company of New York, and American National Property and Casualty Company, among others. These subsidiaries enable the company to offer a diverse portfolio of products tailored to meet the varying needs of its clients.

OneAmerica is a mutual insurance holding company headquartered in Indianapolis, offering a broad range of financial services and insurance solutions. With roots dating back to 1877, OneAmerica operates through a family of companies and focuses on long-term financial security for individuals, families, and businesses.

Their product offerings include multi-year guaranteed annuities (MYGAs), which provide fixed interest over a set period; fixed indexed annuities (FIAs), which earn interest linked to a market index with downside protection; traditional fixed annuities that offer steady, predictable returns; and immediate and deferred income annuities for generating income either now or in the future. They also offer whole and term life insurance policies that provide protection and potential cash value growth, as well as asset-based long-term care solutions that combine life insurance or annuities with long-term care benefits. In addition, OneAmerica provides retirement plan services including 401(k), 403(b), and other employer-sponsored plan administration and recordkeeping.

OneAmerica emphasizes personalized guidance, long-term commitment, and strong partnerships with financial professionals. It is known for its financial strength and mutual structure, which allows it to prioritize policyholder interests over shareholders.

Americo Financial Life and Annuity Insurance Company is a Kansas City-based insurer with a history spanning over a century. As the flagship company of Americo Life, Inc., one of the largest independent, privately held insurance groups in the U.S., Americo offers a range of life insurance and annuity products designed to provide financial protection and retirement solutions. As of year-end 2023, Americo reported $9.1 billion in assets and $39.7 billion of insurance in force, covering approximately 780,000 policies. The company holds an “A” (Excellent) financial strength rating from A.M. Best, reflecting its solid balance sheet and operational performance . 

Americo’s annuity offerings include fixed indexed annuities like the Elite 5, which provide interest credits based on the performance of selected financial indices, offering potential growth with downside protection. The Elite 5 features options such as 1-year or 5-year point-to-point crediting methods and allows for 10% annual penalty-free withdrawals after the first year . Additionally, Americo offers multi-year guaranteed annuities (MYGAs) through its Platinum Assure Series, providing fixed interest rates for specified periods, catering to those seeking predictable, stable returns . 

As of April 24, 2025, Americo implemented new fixed annuity interest rates for its Platinum Assure Series, with adjustments reflecting current market conditions. Subsequently, on May 23, 2025, new indexed annuity interest rates became effective for the Elite 5 annuity. These updates ensure that new contracts issued on or after these dates receive the most current rates, aligning with Americo’s commitment to providing competitive and responsive financial products . 

Aspida is a modern annuity company founded in 2020 by industry veterans and headquartered in Durham, North Carolina. It leverages a state‐of‐the‐art digital platform to offer a suite of fixed and fixed index annuity products designed to deliver secure, principal‐protected growth for retirement. The company’s competitive offerings are made possible in part by its association with Ares Management Corporation.

Ares Management Corporation, founded in 1997, is a leading global alternative investment firm with diversified expertise across credit, private equity, real estate, and other asset classes. With assets under management exceeding $300 billion, Ares is renowned for its robust financial discipline and innovative investment strategies. As an indirect parent of Aspida, Ares provides the financial strength and stability that enable Aspida to offer competitive and secure annuity products to its clients

Athene Annuity and Life Company have been in the business since 2009. It has been one of the largest providers of fixed and fixed indexed annuities in the US for many years and has been regularly in the top ten annuity sales.

On January 1, 2022, Athene Holding Ltd. merged with Apollo Global Management, Inc. (NYSE: APO). Apollo is a high-growth, global alternative asset manager listed on the NYSE that serves institutional and individual investors across the risk-return spectrum in yield, hybrid, and equity strategies.

Axonic Insurance Services (AIS) specializes in designing and servicing innovative annuity and investment products. Through proprietary solutions and partnerships with financial institutions, AIS delivers customized retirement strategies, backed by advanced technology and seamless administration. Their focus on performance and execution helps create long-term value for investors and institutional partners worldwide.

The Baltimore Life Insurance Company, founded in 1882, is a mutual life insurance company headquartered in Owings Mills, Maryland. With over 140 years of history, the company serves more than 300,000 policyholders across 49 states and the District of Columbia. As a mutual insurer, Baltimore Life is owned by its policyholders, not shareholders, which allows it to prioritize long-term stability and customer value. The company offers a wide range of financial products including whole life, term life, and universal life insurance, as well as annuities, critical illness coverage, and retirement planning solutions. Known for its conservative financial approach, it holds an A.M. Best rating of B++ (Good) and manages assets exceeding $1.28 billion.

As of late May 2025, Baltimore Life offers highly competitive rates on its IQumulate multi-year guaranteed annuities (MYGAs). Both the 5-year and 7-year MYGA products offer a guaranteed annual yield of 5.75%, inclusive of any applicable interest bonuses. These products require a minimum premium of $5,000 and provide a full penalty-free withdrawal window at the end of their respective guarantee periods. The 5-year MYGA rate was last updated on May 19, 2025, while the 7-year version was updated on May 29, 2025. These annuities are designed to offer a secure, fixed-income option for individuals looking to preserve capital while earning stable returns.

Capitol Life Insurance Company, founded in 1906 and now headquartered in Dallas, Texas, operates as a wholly-owned subsidiary of Liberty Bankers Insurance Group. Known for its financial strength and conservative approach, the company specializes in retirement and life insurance solutions designed to provide long-term security and peace of mind. Its core product offerings include Multi-Year Guaranteed Annuities (MYGAs) with guaranteed interest rates for 3, 5, or 7 years, Fixed Deferred Annuities for tax-deferred accumulation, Single Premium Whole Life for estate and legacy planning, Traditional Whole Life Insurance with lifelong coverage and cash value growth, and Final Expense Insurance to cover burial and end-of-life costs. Capitol Life continues to serve individuals and families seeking dependable financial products for the future.

Clear Spring Life and Annuity Company is a U.S.-based insurer that focuses on annuity products for retirement planning. Founded in 1985 and headquartered in Zionsville, Indiana, the company is a subsidiary of Group 1001, a financial services group. Clear Spring Life offers a range of annuities, including Fixed Indexed Annuities (FIAs), which provide potential growth linked to market indices with downside protection; Multi-Year Guaranteed Annuities (MYGAs), which offer fixed interest rates for terms between 3 and 10 years, delivering predictable returns; and Single Premium Immediate Annuities (SPIAs), designed to provide immediate, guaranteed income for retirees. These products are distributed through independent marketing organizations, reflecting the company’s goal of making annuity-based retirement solutions accessible and easy to understand

CL Life is a Texas-based insurer specializing in fixed annuity solutions designed to help individuals grow and protect their retirement income. Backed by Crestline Investors, a $18B+ asset manager, CL Life focuses on delivering steady, tax-deferred growth with personalized service and a conservative investment approach.

TruStage, the marketing name for TruStage Financial Group, Inc., brings nearly a century of expertise to insurance and financial services, offering products tailored to life’s various stages. As of August 8, 2025, the company provides an extensive selection of personal insurance options—including term, whole, guaranteed-acceptance life insurance, auto, home, renters, condo, accidental death & dismemberment (AD&D), and funeral/preplanning coverage—as well as a diversified suite of annuities such as registered index-linked (RILA), fixed, income, single-premium immediate, and annuities with income features. Business-focused offerings span business protection, lending protection, workplace solutions, compliance, wealth management, DEI services, and more. 

Corebridge Financial (a part of AIG), headquartered in Houston, Texas, is a leading provider of retirement and insurance solutions, offering a range of annuities, life insurance, and investment products. Formerly part of AIG Life & Retirement, Corebridge became an independent entity in 2022 and is now one of the largest providers of retirement solutions in the U.S. The company is publicly traded on the New York Stock Exchange under the ticker symbol CRBG.

The company focuses on helping individuals and institutions achieve financial security through innovative, tax-efficient products. With a strong financial foundation and decades of industry expertise, Corebridge serves millions of customers, emphasizing long-term stability, risk management, and retirement income planning. 

Eagle Life Insurance Company® specializes in providing innovative retirement solutions through a diverse portfolio of fixed and fixed index annuities. Their products are designed to offer financial stability and are tailored to meet the needs of clients seeking secure and predictable retirement income.

ELCO Mutual Life and Annuity is a mutual insurance company founded in 1946 in Chicago, Illinois. Now headquartered in Lake Bluff, Illinois, ELCO specializes in life insurance and annuity products, serving clients across the United States. As a mutual company, it is owned by its policyholders, allowing profits to contribute to annual dividends for eligible contracts. ELCO emphasizes personalized service, stability, and protection, aiming to provide reliable financial solutions for individuals and families. 

Equitable Financial Life Insurance Company of America (Equitable America), a subsidiary of Equitable Holdings, Inc., issues the Guaranteed Growth Strategies℠ annuity. Equitable has a long-standing history of financial stability and offers a broad suite of retirement and protection products. With more than $261 billion in assets under management, Equitable continues to be a strong player in the financial services sector, operating from its administrative offices in Charlotte, NC

Farmers Life Insurance Company is a licensed life insurance provider headquartered at 243 North Peters Road, Knoxville, TN. The company specializes in annuity products designed to help individuals grow and protect their savings, particularly in preparation for retirement. Its flagship offering, the Safeguard Plus® Multi-Year Guaranteed Annuity (MYGA), is crafted for clients seeking secure, predictable, tax-deferred growth.

Farmers Life Insurance Company offers a focused range of retirement annuity products, including multi-year guaranteed annuities (MYGAs) designed to deliver guaranteed interest, tax-deferred growth, and principal protection. Serving individuals and financial professionals nationwide, Farmers Life emphasizes simplicity, transparency, and personalized service to help clients build predictable income streams for retirement. With competitive rates and straightforward product options, the company is committed to helping retirees achieve long-term financial stability.

Fidelity & Guaranty Life Insurance Company (F&G) is a U.S.-based insurance provider established in 1959 and headquartered in Des Moines, Iowa. The company specializes in offering annuities and life insurance products, including fixed indexed annuities (FIAs), multi-year guaranteed annuities (MYGAs), and indexed universal life (IUL) insurance. F&G operates through a network of over 82,000 licensed agents and serves more than 1 million policyholders across the United States.

Gainbridge® is a modern, digital-first platform that delivers straightforward, commission-free financial products designed to help individuals build long-term wealth with confidence. Backed by Group 1001, Gainbridge specializes in fixed and multi-year guaranteed annuities (MYGAs), indexed annuities, and digital life insurance solutions. The platform emphasizes transparency, simplicity, and control—offering users a seamless online experience to purchase and manage their investments without sales pressure or hidden fees. Key elements of Gainbridge include guaranteed returns, tax-deferred growth, low minimum investment requirements, and easy-to-understand products tailored for long-term financial stability.

GBU Financial Life (GBU Life) is a member-owned, not-for-profit life insurance and annuity provider based in Pittsburgh, Pennsylvania, with over 133 years of experience in financial protection. The company offers a range of products tailored to individual and retirement needs, including the Asset Guard Series MYGAs (Multi-Year Guaranteed Annuities), which deliver guaranteed interest rates and principal protection over 2-, 3-, 4-, and 5-year terms. In addition to MYGAs, GBU Life provides Whole Life, Term Life, and Final Expense Insurance policies, all backed by strong surplus reserves and a commitment to community-focused values. As a fraternal benefit society, GBU Life reinvests its earnings to deliver greater value to members rather than shareholders.

GCU (Greek Catholic Union) is a not-for-profit fraternal benefit society that offers a range of financial products including life insurance, fixed indexed annuities, and MYGAs (Multi-Year Guaranteed Annuities). These products provide secure, tax-deferred growth and flexible income options tailored for retirement planning. GCU’s MyGCA platform allows members to easily manage policies and annuity contracts online. Beyond financial services, GCU emphasizes community and faith, offering member benefits such as scholarships, student loan assistance, volunteer opportunities, and grants for charitable projects—all while maintaining strong financial stability and an A- rating from AM Best.

Global Atlantic Financial Group is a leading U.S.-focused retirement, life insurance, and reinsurance company. Founded in 2004 as Goldman Sachs Reinsurance Group, it became an independent entity in 2013 and was fully acquired by KKR in 2024. Operating as a standalone business, Global Atlantic offers a broad range of retirement and life insurance products, including fixed, indexed, and variable annuities, as well as life insurance solutions. The company is headquartered in New York, NY, with additional offices across the United States and Bermuda.

Guaranty Income Life Insurance Company (GILICO), founded in 1926 and based in Baton Rouge, Louisiana, is a subsidiary of Kuvare US Holdings, Inc. It specializes in deferred and fixed indexed annuities designed to build stable retirement income and financial wellness for individuals and families—particularly middle‑market Americans. With nearly a century of experience, GILICO focuses on delivering flexible, value-oriented solutions, underpinned by long-standing principles of service, experience, and innovation.

The Guardian Life Insurance Company of America is a mutual, policyholder-owned insurer founded in 1860 and headquartered in New York City  . It offers a broad spectrum of life and health insurance, dental, vision, disability, annuities (fixed, fixed-index, variable), and retirement solutions . Known for strong financial backing and award-winning customer service, Guardian continues to emphasize stability, long-term reliability, and client-focused planning.

Heartland National Life Insurance Company was established in 1965 (or 1964, depending on the source)—headquartered in Independence, Missouri—with a focus on life, health, supplemental insurance, and annuity products  . While the company has long offered life and supplemental insurance, it expanded significantly into annuities in the early 2020s, specializing in Multi-Year Guaranteed Annuities (MYGA). Its hallmark annuity, Secure Rate MYGA, provides fixed, guaranteed interest rates over 3‑, 5‑, 7‑, or 10‑year terms, requiring a minimum investment of $5,000 and offering features like annual free interest withdrawals, death benefits, and optional riders for withdrawal flexibility, terminal illness, or nursing home confinement.

Ibexis Life & Annuity Insurance Company is a retirement-focused insurer offering a range of fixed annuity products designed to provide financial security and growth potential. Their offerings include Multi-Year Guaranteed Annuities (MYGAs) with fixed interest rates and Fixed Index Annuities (FIAs) that allow for growth linked to market indices while protecting the principal. Ibexis emphasizes principal protection, tax-deferred growth, and flexible income options to help individuals plan for a stable retirement. The company is rated A- (Excellent) by AM Best, reflecting its financial strength and commitment to policyholders.

Integrity Life Insurance Company, established in 1966 and headquartered in Cincinnati, Ohio, is a subsidiary of Western & Southern Financial Group, a mutual financial services enterprise founded in 1888. Integrity Life specializes in offering a comprehensive suite of annuity and life insurance products designed to provide long-term financial security and retirement income solutions. The company operates across the United States, excluding New York, where its affiliate, National Integrity Life Insurance Company, serves clients. 

Integrity Life’s product portfolio includes fixed, variable, and indexed annuities, as well as life insurance policies tailored to meet diverse financial planning needs. Notably, the company offers Multi-Year Guaranteed Annuities (MYGAs), such as the MultiVantage series, which provide clients with guaranteed interest rates over specified periods, offering stability and predictable growth for retirement planning.

Founded in 1960 and headquartered in Frankfort, Kentucky, Investors Heritage Life Insurance Company has a longstanding history of providing insurance solutions. In 2018, the company partnered with Aquarian Holdings, bolstering its financial base and facilitating growth in its annuity offerings. This partnership led to the launch of the Heritage Builder MYGA and expansion into fixed index annuities. Investors Heritage has been recognized for its rapid growth, ranking as the fastest-growing U.S. life and annuity insurer in 2021 according to S&P Global.

Jackson National Life Insurance Company, founded in 1961 and headquartered in Lansing, Michigan, is a prominent U.S. provider of annuity products. As a subsidiary of Jackson Financial Inc., a publicly traded company, Jackson offers a range of annuities, including fixed, fixed index, registered index-linked, and variable annuities, catering to both individual and institutional investors. The company distributes its products through various channels, such as broker-dealer firms, independent agents, wirehouses, and banks across the United States. 

Knighthead Life is a financial services company specializing in fixed annuity products, including Multi-Year Guaranteed Annuities (MYGAs), offered through its subsidiaries Merit Life Insurance Co. and Knighthead American Life. The company emphasizes simplicity and reliability in helping clients achieve long-term retirement goals.

Liberty Bankers Life Insurance Company is a trusted provider of life insurance and retirement annuity products, dedicated to helping individuals plan for financial security. Specializing in fixed, multi-year guaranteed, and single premium immediate annuities, Liberty Bankers offers flexible solutions designed to deliver guaranteed income, principal protection, and tax-deferred growth. As part of Liberty Bankers Insurance Group, the company combines stability, personalized service, and financial strength to support individuals in achieving long-term.

The Lincoln Financial Group (NYSE: LNC), based in Radnor, Pennsylvania, is a leading U.S. financial company with over 100 years of experience. It offers a wide range of insurance and retirement products to help individuals, families, and businesses plan for the future. Lincoln specializes in life insurance and annuities, including fixed, multi-year guaranteed (MYGA), indexed, and variable annuities. These solutions are designed to provide guaranteed income, protect your savings, and offer tax-deferred growth. Known for strong financial ratings and reliable service, Lincoln helps people build financial security and peace of mind for the long term.

ManhattanLife, established in 1850, is one of the oldest privately held insurance companies in the United States. Headquartered in Houston, Texas, it provides a wide range of financial products including life insurance, health insurance, Medicare Supplement plans, and annuities. The company offers several annuity options, notably Multi-Year Guarantee Annuities (MYGAs) such as Preferred Choice, Preferred Choice CA/NY, and Premium Preferred CA/NY, as well as products like Secure Advantage and Retirement Plus, designed to support retirement income, capital preservation, and long-term growth.

MassMutual Ascend Life Insurance Company formerly Great American Life is a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company (MassMutual). Headquartered in Cincinnati, Ohio and founded in the early 1960s, it specializes in retirement-focused annuity products, offering fixed, fixed-indexed, registered index-linked, and immediate annuities through retail, broker‑dealer, financial institution, and RIA channels.

Operating as an independent subsidiary, while leveraging MassMutual’s investment capabilities, distribution channels, and financial strength, Ascend remains focused on customer needs and superior service.

Midland National Life Insurance Company, founded in 1906, is a well-established provider of life insurance and annuity products. Headquartered in Sioux Falls, South Dakota, with its annuity division in West Des Moines, Iowa, the company serves customers across the United States (excluding New York). It operates as a member of Sammons Financial Group, Inc., a privately held financial organization. Midland National offers a wide range of financial products, including term life, whole life, universal life, indexed universal life insurance, and fixed and fixed indexed annuities. Known for its strong financial stability, the company holds an A+ rating from A.M. Best, S&P Global Ratings, and Fitch Ratings. Midland National emphasizes long-term financial strength and customer-focused service, managing over one million active policies and paying hundreds of millions in claims annually.

Mountain Life Insurance Company, founded in 1972 as a subsidiary of the Bank of Maryville in Tennessee, is a regional insurance provider headquartered in Lexington, Kentucky. Now under the ownership of MEM Capital LLC (acquired in August 2024), the company operates through independent agents in multiple states, including Kentucky, Tennessee, Georgia, Texas, Florida, and others. Mountain Life focuses on providing affordable, personalized life insurance and annuity products designed to help families and individuals secure their financial future.

Mutual of Omaha is a highly respected and financially strong insurer offering a comprehensive suite of retirement annuity products, including fixed annuities, multi-year guaranteed annuities (MYGAs), and immediate annuities. These products are designed to provide guaranteed income, principal protection, and tax-deferred growth to support long-term financial security. With over a century of service, Mutual of Omaha combines trusted experience, competitive rates, and personalized support to help individuals confidently plan for retirement.

National Life Group, established in 1848 and headquartered in Montpelier, Vermont, is a mutual insurance company offering a range of financial products, including life insurance, annuities (such as Multi-Year Guaranteed Annuities or MYGAs), and retirement planning solutions. The company serves individuals, families, and businesses across the United States. 

Nationwide Life Insurance Company, founded in 1929 and headquartered in Columbus, Ohio, is a subsidiary of Nationwide Mutual Insurance Company. It offers a range of insurance and financial products, including life insurance, annuities, retirement plans, and investment services. The company distributes its products through independent broker-dealers, financial institutions, life insurance specialists, and its agency distribution force.

North American Company for Life and Health Insurance® is a privately held insurance company and a member of Sammons Financial Group, Inc. Based in West Des Moines, Iowa, the company has operated for over a century, offering a wide range of insurance and annuity products. It is known for strong financial stability, customer-focused service, and commitment to long-term policyholder security. North American is an employee-owned company that has consistently earned high ratings from third-party agencies for its claims-paying ability and operational performance.

Oceanview Life and Annuity Company is a U.S.-based insurance company that specializes in offering competitive fixed annuity products, including the Harbourview Multi-Year Guaranteed Annuity. Backed by the investment experience of its asset management partner, Bayview Asset Management, Oceanview provides clients with retirement solutions focused on principal protection, guaranteed returns, and tax-deferred growth. As of November 2020, Bayview oversaw approximately $16 billion in assets under management. Oceanview Life and Annuity operates nationally (except where limited by state availability) and conducts business in California under the name Oceanview Life and Annuity Insurance Company.

Oxford Life Insurance Company, headquartered in Phoenix, Arizona, was founded in 1965 and is a wholly owned subsidiary of AMERCO, the parent company of U-Haul International. The company focuses on providing retirement and financial security solutions, with a product portfolio that includes multi-year guaranteed annuities (MYGAs), fixed indexed annuities (FIAs), life insurance, and final expense products. Among its most widely recognized offerings is the Multi-Select Series, a single-premium MYGA with guarantee periods from 3 to 10 years, designed to deliver competitive fixed interest, principal protection, and optional liquidity through penalty-free withdrawals. Oxford Life distributes its products nationally (except in a few restricted states), serving both qualified and non-qualified markets. Its focus is on offering conservative, reliable annuity solutions tailored for retirees seeking predictable, tax-deferred accumulation.

Reliance Standard is a nationally recognized insurer offering a range of retirement and employee benefit solutions, with a strong emphasis on fixed and indexed annuity products. Designed to support long-term retirement planning, their annuities provide guaranteed income, principal protection, and tax-deferred growth. Backed by the financial strength of the Tokio Marine Group, Reliance Standard helps individuals and financial professionals secure stable, predictable income for retirement through flexible, client-focused annuity offerings.

Royal Neighbors of America is a fraternal benefit society—a membership-based organization offering life insurance and annuities, including MYGAs (Multi-Year Guaranteed Annuities), while remaining deeply rooted in community-focused philanthropy. Guided by the values of faith, courage, unselfishness, endurance, and humility, the organization was founded in 1895 by nine pioneering women in Iowa. Now entering its 130th year in 2025, Royal Neighbors continues its legacy of service and financial protection. Headquartered in Rock Island, Illinois, it operates through a national network of community chapters, empowering members to volunteer, support women, and drive social good. Its MYGA products provide guaranteed interest rates for a set term, offering safe, predictable growth for individuals planning for retirement or seeking conservative investment alternatives.

Sentinel Security Life Insurance Company, founded in 1948 and headquartered in Salt Lake City, Utah, is a long-established U.S. insurer specializing in annuities, life insurance, and supplemental health products. The company is a member of the A-CAP (Atlantic Coast Life Insurance Company) Group, giving it access to shared financial resources, investment management, and risk controls across the group’s nationwide operations.

Sentinel’s annuity lineup includes its flagship Personal Choice Annuity (a customizable MYGA series), Guaranteed Income Annuity, and Accumulation Protector products, which combine fixed rates with optional riders for liquidity or enhanced growth. The company’s focus is on principal protection, tax-deferred accumulation, and flexible design options tailored for retirement and income planning.

With a strong record of steady asset growth and financial stability, Sentinel is recognized for its personalized service, conservative investment approach, and efficient policyholder support through its parent group’s combined infrastructure.

SILAC Insurance Company, headquartered in Salt Lake City, Utah, is a long-standing U.S. life and annuity carrier specializing in fixed and fixed indexed annuities, multi-year guaranteed annuities (MYGAs), and Medicare Supplement insurance. Originally founded in 1935 as Equitable Life & Casualty Insurance Company, the company rebranded to SILAC in 2020 to reflect its national expansion and modernized product line.

SILAC focuses on delivering retirement and income solutions designed for guaranteed growth, income protection, and principal safety. The insurer’s product suite includes its flagship Secure Savings™ and Teton™ fixed indexed annuity series, as well as Secure Savings Elite™, catering to a range of investment horizons and liquidity needs.

Operating in 49 states and the District of Columbia (excluding New York), SILAC has established itself as a consistent performer in the fixed annuity space, recognized for competitive crediting rates, simplified contract designs, and strong independent distribution partnerships.

The Standard is a Portland-based insurance company offering a range of financial products and services designed to help individuals, families, and businesses achieve long-term financial security. In addition to life and disability insurance, retirement plan services, and employee benefits, The Standard offers a suite of annuity products that provide guaranteed income and savings growth. These include fixed annuities, fixed indexed annuities, and immediate income annuities, such as the Multi-Choice Annuity, Enhanced Choice Index Plus, Tailored Income Annuity, and Focused Growth Annuity. The company focuses on delivering flexible, reliable solutions to support retirement planning, income protection, and overall financial wellness.

S.USA Life Insurance Company, Inc., founded in 1995 and headquartered in Roanoke, Virginia, is an Arizona‑domiciled life insurer licensed in 48 states plus Washington, D.C. As a subsidiary of Prosperity Life Group, the company leverages the group’s broad geographic footprint and experienced leadership. It offers a wide range of insurance and annuity products—including annuities, protection, and asset accumulation—distributed through banks, independent marketing organizations, managing general agencies, and independent agents.

Symetra Life Insurance Company offers a wide range of insurance and retirement solutions tailored to individuals, families, and businesses. Among its retirement products, Symetra provides multi-year guaranteed annuities (MYGAs)such as the Symetra Select Max® and Edge Elite®, which offer guaranteed interest rates over fixed periods. They also offer fixed indexed annuities (FIAs) like Edge Pro® and Edge Plus®, which combine guaranteed principal protection with potential growth linked to market indices. For income planning, Symetra features deferred income annuities such as Income Edge®, as well as immediate annuities for those seeking to convert a lump sum into steady income right away. In the life insurance space, Symetra provides term life insurance (e.g., Symetra Term) for affordable temporary coverage, along with universal life (UL) and indexed universal life (IUL) products like UL-G, Accumulator UL, and Accumulator IUL, which offer lifelong protection and the ability to build cash value. Additionally, Symetra supports employers with a robust portfolio of employee benefits, including group life, short- and long-term disability insurance, critical illness and accident coverage, and stop-loss insurance to help manage catastrophic health claims. Their offerings emphasize flexibility, financial stability, and customizable protection to meet evolving needs.

Upstream Life provides life insurance, annuity products, and investments to individuals looking to secure their financial future and avoid the financial risks typically associated with fluctuating financial markets. Continuing the legacy established in 1912, Upstream Life acquired the financial company from Americo in 2015 and today is proud to deliver a range of client-focused products created to address each client’s financial goals.  

MassMutual is a mutual life insurance company founded in 1851 and based in Springfield, Massachusetts. It serves policyholders with a broad range of financial products, including life insurance, disability and long-term care coverage, and annuities—such as Myga (Multi-Year Guaranteed Annuities), immediate, deferred income, and variable annuities. MassMutual also offers retirement and investment services. As of December 31, 2024, the company managed $466 billion in assets and employed over 10,000 people.

NexAnnuity Retirement Solutions, headquartered in Dallas, Texas, is a retirement and insurance-focused company operating through The Ohio State Life Insurance Company (OSL)—a carrier originally founded in 1906 and licensed in 46 states plus the District of Columbia. NexAnnuity was established in 2018 with the backing of NexPoint Advisors (an investment manager with $16.1 billion AUM) and NexBank (a Dallas-based bank with $14.7 billion in assets as of Q1 2025). These affiliates support NexAnnuity’s operational and investment strategy, allowing it to offer competitive products with well-capitalized backing.

NexAnnuity specializes in Multi-Year Guaranteed Annuities (MYGAs), including the Nex3, Nex5, Nex7, and Nex10—fixed annuity contracts offering guaranteed interest rates over 3, 5, 7, or 10-year terms. Key features of these products include:

Guaranteed fixed interest rates for the full contract term

Free annual withdrawals (up to 10% in most cases)

Market Value Adjustment (MVA) for early surrenders

Death benefit provisions with full account value payout

Auto-renewal options with new guaranteed terms

Low minimum premium requirements (typically $10,000)

These annuities are designed to offer predictable, tax-deferred growth for conservative investors and retirees seeking a blend of safety and return.

Revol One Financial is a U.S.-based insurance company focused on fixed annuities that help individuals grow and protect their retirement savings. Known for its DirectGrowth, Excelera, and Excelera Plus products, the company offers straightforward options with guaranteed rates, flexible terms, and valuable rider benefits. Backed by a B++ (Good) rating from AM Best and a positive outlook, Revol One is built around reliability, clarity, and long-term financial security.

Sagicor Financial Company Ltd. is a diversified international financial services provider originally founded in Barbados in 1840—making it the second‑oldest insurer in the Americas. It has evolved into a market-leading insurer serving individuals and groups across the Caribbean, the United States, and more recently Canada following its acquisition of ivari. Its core offerings include life and health insurance, annuities, pension administration, property and casualty insurance, banking, and investment management services. As of 2023–2024, Canada and the U.S. represent approximately 75 % of its total assets. The company is headquartered in Bermuda and publicly listed on the Toronto Stock Exchange under ticker SFC 

Founded in 1892, Security Benefit Life Insurance Company is a U.S.-based financial services provider headquartered in Topeka, Kansas. The company specializes in delivering retirement-focused insurance and annuity products, including fixed annuities, fixed-indexed annuities, and variable annuities. Its client base includes individuals, K–12 education professionals, and institutional investors. As of December 31, 2024, Security Benefit reported $56.98 billion in total admitted assets, $50.82 billion in total liabilities, and a Total Adjusted Capital (TAC) of $7.2 billion. Security Benefit operates through a wide network of financial professionals and distribution channels, positioning itself as a long-term partner in helping Americans prepare for retirement.

Stellar National Life Insurance Company is an Arizona‑domiciled insurer (NAIC # 89427), with its administrative office located at 1901 Ulmerton Road, Suite 200, Clearwater, Florida 33762. It operates within the fixed annuity space—particularly known for its Stellar Security® Multi-Year Guaranteed Rate Annuities (MYGA). The company emphasizes competitive, straightforward financial products designed to help individuals build, preserve, and pass on their legacy. Their promise is built on delivering reliable, secure growth while maintaining transparency and care in customer interactions. 

As of 2025, Western Catholic Union (WCU) is a fraternal benefit society founded in 1877 with a mission of attending to the fraternal, financial, and spiritual well‑being of its members through affordable insurance and annuity products and community engagement. The organization offers insurance and annuity solutions designed to help members plan for retirement, protect families, and manage final expenses. Its operations are structured around local branch chapters, scholarship programs, charitable outreach, and faith-based activities that reinforce strong community ties and values.

Wichita National Life Insurance Company has built a quiet legacy of trust since 1957, offering a focused range of life insurance and retirement products tailored to individuals and financial institutions alike. Their portfolio includes traditional term and whole life insurance, along with credit life and credit disability products, often distributed through banks and lending institutions to protect borrowers and their families. For retirement-minded individuals, the company’s flagship offering is the Security MYGA (Multi-Year Guaranteed Annuity)—available in 3-, 5-, 7-, and 10-year terms—which provides a fixed, competitive interest rate for those seeking stable, tax-deferred growth without market volatility. By combining simple, time-tested insurance solutions with dependable annuity products, Wichita National continues to serve as a steady partner in personal and family financial security.

American Life & Security Corp. is a Nebraska-based life insurance and annuity provider specializing in innovative retirement and wealth protection solutions. The company offers a range of products, including fixed deferred annuities, fixed indexed annuities, and multi-year guaranteed annuities designed to provide security, growth, and stability for policyholders.

National Security Insurance Company (NSIC) is a life/health insurer and a subsidiary of The National Security Group, Inc., based in Elba, Alabama. It operates under a broader holding company that provides property & casualty, life, health, and annuity products across several states. With a history dating back to the mid-20th century, NSIC emphasizes personal service, market protection, and a regional focus in the southeastern U.S.

SBLI USA Life Insurance Company, Inc., a member of the Prosperity Life Group, has been serving customers in New York for over 75 years. The company has built a reputation for trustworthiness, stability, and commitment to excellent service. SBLI USA operates under Prosperity Life Group, which is a marketing name used for a group of affiliated insurance companies offering a wide range of life insurance and annuity products. SBLI USA is solely responsible for its financial and contractual obligations and is not affiliated with the Savings Bank Mutual Life Insurance Company of Massachusetts or Connecticut.

Prosperity Life Group aims to provide dependable insurance and annuity solutions backed by financial strength. The company offers competitive interest rate products with consumer-friendly features such as Return of Premium (ROP)and Penalty Free Withdrawal (PFW) riders, as seen in the Select Choice product lines.

Columbus Life Insurance Company, founded in 1906 and headquartered in Cincinnati, Ohio, is a subsidiary of Western & Southern Financial Group. It offers a range of life insurance and annuity products through a national network of independent financial professionals. Known for its financial strength and customer-focused service, Columbus Life specializes in retirement, estate, and business planning solutions.

New York Life Insurance and Annuity Corporation (NYLIAC), founded in 1980 as a wholly owned subsidiary of New York Life Insurance Company, is the dedicated issuer of the group’s annuity products, including fixed annuities, variable annuities, and income annuities tailored to support retirement income and long-term savings goals. Headquartered in Delaware and backed by the strength and history of its parent—New York Life, established in 1845—NYLIAC operates with the objective of providing individuals with dependable retirement solutions that emphasize lifetime income, capital preservation, and financial security. The company’s mission is built on a policyholder-first approach, conservative financial management, and a commitment to long-term stability, reflecting New York Life’s broader legacy as one of the most trusted and financially secure mutual life insurers in the United States.

First Symetra National Life Insurance Company of New York (“First Symetra NY”) was established in 1990 to serve New York residents and businesses.  It is the New York-licensed affiliate of the Symetra Financial family, providing life insurance, annuity, and benefits products tailored specifically for the New York market.  Its product offerings include fixed deferred annuities with multi-year guarantee periods (e.g. Select Max®, Select Pro®, etc.), life insurance, and other financial services.

Securian Financial Group, Inc., established in 1880 and headquartered in St. Paul, Minnesota, is a trusted mutual financial services company serving over 23 million clients across the U.S. and Canada. Backed by strong financial ratings from all major agencies, Securian offers a broad suite of solutions including life insurance, disability income protection, retirement plans, and fixed annuities. Its annuity lineup features the SecureOption® Choice MYGA, along with other options like SecureOption® Focus and MultiOption® annuities—designed to help clients grow and protect their assets with confidence. With a commitment to long-term financial security, Securian continues to be a reliable partner for individuals and families planning for the future.

Protective Life Insurance Company, founded in 1907 and headquartered in Birmingham, Alabama, is a leading U.S. provider of life insurance and annuity solutions. It operates as a subsidiary of Dai-ichi Life Holdings, Inc., one of Japan’s largest global financial services organizations. Protective offers a wide range of fixed, indexed, and immediate annuities as well as life insurance products designed to support retirement income, wealth preservation, and estate planning.

Renowned for its long-term financial stability, conservative investment approach, and commitment to customer value, Protective distributes its products nationwide through independent agents, broker-dealers, and financial institutions.

Note: Products issued in New York by Protective Life and Annuity Insurance Company (NY), a subsidiary of Protective Life Corporation.

USAA Life Insurance Company, founded in 1963 and headquartered in San Antonio, Texas, is a subsidiary of USAA (United Services Automobile Association) — a Fortune 500 financial services group serving military members, veterans, and their families. USAA Life specializes in life insurance, annuities, and retirement solutions, offering competitive fixed and variable annuity products that emphasize safety, predictable returns, and tax-deferred accumulation.

The company operates in all 50 states, with USAA Life Insurance Company of New York serving New York residents through state-specific filings. USAA’s products are known for combining financial strength, disciplined risk management, and customer-first service, maintaining a reputation as one of the most trusted names in the insurance and retirement industry.

Pacific Guardian Life Insurance Company, Limited (PGL), headquartered in Honolulu, Hawaii, is a leading regional insurer specializing in life insurance and annuity products designed for individuals and businesses throughout Hawaii and select mainland states. Established in 1961, PGL is a wholly owned subsidiary of Meiji Yasuda Life Insurance Company, one of Japan’s largest and most financially stable life insurers, founded in 1881.

As part of the Meiji Yasuda Group, Pacific Guardian Life benefits from strong financial backing, prudent risk management, and a diversified investment portfolio. The company offers a range of retirement and savings products, including Multi-Year Guaranteed Annuities (MYGAs) under its Diamond Head series, fixed and universal life policies, and group insurance solutions for businesses and institutions.

Pacific Guardian Life emphasizes conservative investment management and long-term client relationships, serving as a trusted provider for policyholders seeking safety, stability, and predictable income growth.

Founded in 1962 and headquartered in Cedar Rapids, Iowa, United Life Insurance Company is a subsidiary of United Fire Group and serves primarily through independent distribution channels across the U.S. The company specializes in life insurance and annuity solutions, with a focus on conservatively managed fixed annuity products. United Life emphasizes stable investment practices, transparent product design, and tailored support for financial professionals. Over six decades, the company has built a reputation for reliability in the retirement solution space. 

Polish Falcons of America is a national fraternal benefit society offering life insurance and annuity-type benefits, with a heritage rooted in the Polish-American community and a strong emphasis on cultural, social, and fitness programs. While not a traditional carrier focused solely on financial products, it provides niche retirement- and wealth-preservation oriented benefits targeted toward its member base. The organization maintains longstanding operations and community service credentials, though its financial strength signals caution.

Nassau Life Insurance Company (NY) is the licensed New York–domiciled subsidiary of Nassau Financial Group. Based in East Greenbush, New York, it exclusively issues insurance and annuity contracts in New York State under stricter state regulatory requirements. It delivers single-premium deferred annuity products—such as MYAnnuity 5X (NY)—and is an integral part of Nassau Financial Group’s multi-channel, digitally enabled financial services platform. Nassau Financial Group operates across insurance, reinsurance, and asset management, building scale through new product development and strategic runoff acquisition blocks. 

GILICO (Government Personnel Mutual Life Insurance Company) specializes in retirement-focused annuity solutions, offering a variety of fixed, multi-year guaranteed (MYGA), and single premium immediate annuities (SPIA). Designed to help individuals build and preserve retirement income, GILICO’s annuities provide guaranteed returns, principal protection, and tax-deferred growth. With a legacy dating back to 1938 and a commitment to financial strength and personalized service, GILICO supports long-term financial planning for individuals and families across the U.S.