Annuity Company Directory

Understanding Annuity Company Ratings

Ratings don’t set rates, but they do signal resilience. Two measures matter most when you compare carriers:

• A.M. Best rating: An independent assessment of an insurer’s ability to meet its obligations. Ratings of A− and above indicate strong claims-paying ability.
• Comdex score: A percentile rank (1–100) that aggregates multiple rating agencies. A higher score means stronger relative standing.

See our Annuity Company Financial Ratings guide and Comdex Scores for a full breakdown. In order for an insurance company to list its annuity products on our marketplace, it must be rated at least a B+.

Types of Annuities by Company Focus

• MYGA (Multi-Year Guaranteed Annuities): Best for simple guarantees and laddering. Compare current rates on our Fixed Annuity Rates page.
• Fixed Index Annuities (FIA): Index crediting strategies, renewal practices, and rider math drive outcomes. See Fixed Index Annuity Rates.
• RILA: Registered index-linked annuities offer market-linked growth with buffers, typically from larger diversified carriers.
• Income (SPIA / Deferred Income): For guaranteed income planning. Use our Immediate Annuity Calculator.

What to Compare in Each Company Profile

• Minimums & issue ages: Availability varies by state and age band.
• Crediting quality (FIAs): Cap history, renewal-rate practices, and index diversity matter more than brochure sizzle.
• Liquidity & surrender schedules: Penalty periods, free withdrawals, and market value adjustments.
• Rider pricing & math: Balance roll-ups, fees, and lifetime payout factors, and don’t chase headline roll-ups alone.
• New business speed & service: Practical, but important for account changes and claims.

Planning Use Cases

• Safe growth: MYGAs for rate certainty and laddering. Try our CD vs Annuity Calculator.
• Principal protection with upside: FIAs with solid renewal practices and diversified index options.
• Income now: A SPIA for immediate, predictable cash flow.
• Income later: Deferred income products or FIAs with riders for longevity protection.
• Tax deferral: For conservative savers who have maxed out other vehicles.

How We Maintain This Directory

We continuously update carrier profiles for product availability (MYGA, FIA, RILA, SPIA), ratings changes, notable product updates, state approvals, and issue-age changes. The page’s “Last Updated” timestamp reflects our latest review. If you spot something we should refresh, contact us at 855-277-8088 or info@myannuitystore.com.

Annuity Insurance Company FAQs

Are annuities FDIC insured?

No. Annuities are not FDIC insured. They are backed by the issuing insurance company’s financial strength and, as a backstop, your state guaranty association. That is why a carrier’s financial ratings and claims-paying ability matter so much.

Do higher ratings mean higher or lower annuity rates?

Ratings signal financial strength, not pricing. Crediting rates and caps are market-driven, so a top-rated insurer will not always pay the highest rate. Compare both the financial ratings and the current crediting terms before you choose a product.

What is the simplest way to choose an annuity company?

Start with your goal: safe growth, principal protection with upside, or guaranteed lifetime income. Then shortlist carriers from our best fixed annuity companies and best fixed index annuity companies lists and confirm the details in each company profile.

How many annuity companies does My Annuity Store compare?

We compare 90+ top annuity companies across MYGA, fixed index, registered index-linked, and income annuities. Browse every carrier in the directory above, then open any profile for ratings, products, and current fixed annuity rates.

What A.M. Best rating should an annuity company have?

An A.M. Best rating of A− or higher signals strong claims-paying ability. My Annuity Store requires a minimum rating of B+ for a carrier to list products on our marketplace, and we explain what each grade means on our insurance company ratings page.

Disclosure: We’re independent and work with multiple carriers. Recommendations are based on product fit, current rates, your goals, and objective comparison across companies. We do not represent ourselves as fiduciaries.