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Ibexis
A retirement-focused annuity carrier whose legal entity was founded in 1937 as Sunset Life Insurance Company of America, was acquired by Cordillera Holdings in 2021 and was rebranded to Ibexis in 2022. It carries an A- (Excellent), Stable-outlook rating from AM Best and offers a fixed indexed annuity and a multi-year guaranteed annuity.
Financial strength
A-
AM Best
AM Best A- (Excellent)
Ibexis carries an A- (Excellent) Financial Strength Rating from AM Best with a Stable outlook - the fourth-highest of thirteen categories.
Source: Ibexis rate sheet effective 2026-10-15 (AM Best rating effective July 2026)Legal entity since 1937
The legal issuing carrier dates to 1937 as Sunset Life Insurance Company of America; the Ibexis brand launched in 2022 on that established platform.
Source: AnnuityRatesHQ carrier research, June 2026Cordillera-backed
Part of Cordillera Holdings, a retirement-focused insurance platform, since the 2021 acquisition - institutional capital and operational support behind a modern retirement carrier.
Source: AnnuityRatesHQ carrier research, June 2026Retirement specialist
Rather than a diversified insurer, Ibexis concentrates almost entirely on fixed and fixed indexed annuities plus retirement education - specialization, simplicity, and disciplined planning.
Source: AnnuityRatesHQ carrier research, June 2026Education-first
A consumer learning center, glossary, and retirement-planning resources put education ahead of product marketing.
Source: AnnuityRatesHQ carrier research, June 2026Free Comparison Report
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Ibexis product pages with current published rates. Open a product for its full rate tables, terms, and state availability.
Fixed Index Annuity - Accumulation
A single-premium fixed indexed annuity with 5, 7 and 10-year terms, six crediting choices, a selectable floor and an optional premium bonus rider.
- Single premium from $25,000; issue ages up to 85 (up to 82 on the 10-year term)
- Crediting choices: S&P 500 annual point-to-point with cap, four participation-rate index strategies, and an Annual Declared Rate
- Floor Limit set at issue and changeable each anniversary; lower floors carry higher caps and participation but allow negative adjustments
- Free withdrawal of 10% of the prior-anniversary tracking value each year after the first anniversary
- Optional premium bonus rider, elected at issue, with lower caps and participation
Best for: Buyers with at least $25,000 to commit for the full term who want index-linked accumulation and are comfortable choosing a floor, knowing that lower floors allow negative annual adjustments to the tracking value.
Each headline shows one published rate. Open the product page for every term, premium band and floor.
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Company overview
What Ibexis is
Ibexis Life & Annuity Insurance Company is a Missouri-domiciled stock life insurer (NAIC 69272) focused on retirement solutions - fixed annuities and fixed indexed annuities for accumulation and retirement income planning.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
The legal insurance company traces to 1937 as Sunset Life Insurance Company of America. Cordillera Holdings acquired it in 2021 and rebranded it to Ibexis in 2022, launching a retirement-focused operating strategy; Investcorp Insurance Solutions serves as investment manager for the insurance assets.
Rebranded 2022 · AnnuityRatesHQ carrier research, June 2026
Ibexis offers one fixed indexed annuity, FIA Plus, and one multi-year guaranteed annuity, MYGA Plus. Current rates are published by Ibexis and reviewed by AdvisorWorld.
Rates effective 2026-10-15 · Ibexis rate sheet effective 2026-10-15
Scale, labeled
Founded
1937
Legal entity founded 1937 as Sunset Life Insurance Company of America; domiciled in Missouri; NAIC 69272.
Founded 1937 · AnnuityRatesHQ carrier research, June 2026
Owner
Cordillera
Part of Cordillera Holdings since 2021; Investcorp Insurance Solutions serves as investment manager.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026
Structure
Stock insurer
Stock life insurance company domiciled in Missouri; specializes in fixed and fixed indexed annuities.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
AM Best
A- (Excellent)
A- Financial Strength Rating from AM Best with a Stable outlook.
AM Best rating effective July 2026 · Ibexis rate sheet effective 2026-10-15
History highlights
The legal insurance company was founded in 1937 as Sunset Life Insurance Company of America, operating for decades as a traditional life insurer.
Founded 1937 · AnnuityRatesHQ carrier research, June 2026
In 2021, Cordillera Holdings acquired Sunset Life, beginning a strategic initiative to reposition the company as a dedicated retirement solutions provider.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026
In 2022 the company was rebranded as Ibexis Life & Annuity Insurance Company, introducing a retirement-focused mission, a simplified product philosophy, and a dedicated fixed annuity platform.
Rebranded 2022 · AnnuityRatesHQ carrier research, June 2026
Ownership and history
The legal insurance company operated for decades as Sunset Life Insurance Company of America, a traditional life insurer founded in 1937, before joining a modern retirement-focused platform.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Cordillera Holdings acquired Sunset Life in 2021 and rebranded it to Ibexis Life & Annuity Insurance Company in 2022, repositioning the carrier around fixed and fixed indexed annuities. Investcorp Insurance Solutions serves as investment manager, providing institutional investment capabilities.
Acquired 2021 · AnnuityRatesHQ carrier research, June 2026
Policyholder guarantees remain the sole obligation of Ibexis as the legal issuing carrier - distinct from Cordillera Holdings (parent platform) and Investcorp Insurance Solutions (investment manager). The legal entity was founded in 1937 and now operates under the Ibexis name with a retirement-specialist focus.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A-
Excellent financial-strength rating with a Stable outlook - the fourth-highest of thirteen AM Best categories. Ibexis does not currently maintain widely published ratings from other agencies (KBRA, S&P, Moody's, Fitch).
Rating effective July 2026
What makes Ibexis different
Established platform, modern identity
Although the Ibexis brand launched in 2022, the legal insurer dates to 1937 - decades of regulatory framework and insurance operations behind a fresh, retirement-focused market identity, not a newly formed startup.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Retirement specialization
Rather than marketing dozens of unrelated insurance and investment products, Ibexis concentrates almost entirely on fixed annuities, fixed indexed annuities, and retirement planning - a clear, consistent message centered on retirement confidence.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Education before product sales
A consumer learning center, insurance glossary, and retirement-planning resources put financial literacy ahead of product marketing - helping consumers and advisors understand annuities before choosing one.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Institutional backing
Backed by Cordillera Holdings with investment management from Investcorp Insurance Solutions, Ibexis gains capital and operational resources while remaining the legal carrier standing behind its contracts.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
About Ibexis
Ibexis Life & Annuity Insurance Company is a Missouri-domiciled stock life insurer built on a legal platform dating to 1937 (formerly Sunset Life Insurance Company of America). Acquired by Cordillera Holdings in 2021 and rebranded in 2022, it operates as a modern retirement specialist.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026
Ibexis carries an A- (Excellent), Stable-outlook rating from AM Best and concentrates almost entirely on fixed and fixed indexed annuities for tax-deferred accumulation and retirement income planning, with an emphasis on consumer education.
Checked 2026-07-07 · AnnuityRatesHQ carrier research, June 2026; AM Best
Ibexis offers FIA Plus, a fixed indexed annuity with a selectable floor and a choice of index strategies, and MYGA Plus, a multi-year guaranteed annuity with a guaranteed fixed option and an optional conditional index-linked option. Current rates are published by Ibexis and reviewed by AdvisorWorld.
Rev 08/26 · Ibexis FIA Plus At-a-Glance, Rev 08/26; Ibexis MYGA Plus At-a-Glance, Rev 08/26
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Compare Ibexis's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Ibexis corporate site — 2026-07-07
- AnnuityRatesHQ carrier research - Ibexis overview, legal entity founded 1937 as Sunset Life, Cordillera Holdings acquisition (2021) and rebrand (2022), AM Best A- (Excellent) Stable — Checked 2026-07-07
- Ibexis FIA Plus At-a-Glance, Rev 08/26 — Rev 08/26
- Ibexis MYGA Plus At-a-Glance, Rev 08/26 — Rev 08/26
- Ibexis rate sheet effective 2026-10-15: rates published by Ibexis and reviewed by AdvisorWorld; AM Best rating effective July 2026 — 2026-10-15
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