Our Annuity Company Directory gives you the ability to quickly learn more about an insurance company’s history, leadership, financial ratings, and annuity products.
| Annuity Company | AM Best Rating | Learn More | |
|---|---|---|---|
| American General | A | |
| American National | A | |
| Allianz Life | A+ | |
| Athene Life and Annuity | A | |
| Atlantic Coast Life | B++ | |
| Great American | A+ | |
| Guaranty Income Life | B++ | |
| Guggenheim Life and Annuity | A- | |
| North American Company | A+ | |
| Oxford Life | A- | |
| Upstream Life | C++ | |
| ASPIDA | A- | |
| Brighthouse | A | |
| Gainbridge Annuity | A- | |
| Global Atlantic Financial Group | A | |
| Oceanview Life and Annuity | A- | |
| Sagicor | A- | |
| Sentinel Security Life | B+ | |
| SILAC Insurance Company | B+ | |
| Transamerica | A | |
| Venerable Annuity | N/A | |
| Equitrust Financial | B++ | |
| Fidelity and Guaranty Life | A- | |
| Hartford Annuities | A | |
| Reliance Standard | A+ | |
| The Standard | A |
10 Best Fixed Index Annuity Companies
10 Best Fixed Annuity Companies
Best lifetime income annuity companies.
| Insurer Directory | A.M. Best | FIA | RILA | Fixed | MYGA | SPIA |
|---|---|---|---|---|---|---|
| New York Life Insurance and Annuity Corporation Founded in 1845 | A++ | 0 | 0 | 0 | 2 | 0 |
| Reliance Standard Life Insurance Company Founded in 1907 | A++ | 3 | 0 | 2 | 2 | 0 |
| Allianz Life Insurance Company of North America Founded in 1896 | A+ | 7 | 0 | 0 | 0 | 0 |
| Great American Life Insurance Company Founded in 1872 | A+ | 17 | 3 | 0 | 10 | 0 |
| Lincoln National Life Insurance Company Founded in 1905 | A+ | 8 | 4 | 0 | 2 | 1 |
| Midland National Life Insurance Company Founded in 1906 | A+ | 18 | 0 | 0 | 3 | 1 |
| Mutual of Omaha by United of Omaha Founded in 1909 | A+ | 0 | 0 | 1 | 1 | 0 |
| Nationwide Life Insurance Company Founded in 1929 | A+ | 3 | 1 | 0 | 2 | 0 |
| North American Company for Life and Health Founded in 1886 | A+ | 6 | 0 | 0 | 2 | 1 |
| Pacific Life Insurance Company Founded in 1868 | A+ | 3 | 0 | 0 | 0 | 1 |
| Principal Life Insurance Company Founded in 1879 | A+ | 4 | 0 | 0 | 3 | 1 |
| Protective Life Insurance Company Founded in 1907 | A+ | 3 | 1 | 0 | 1 | 1 |
| Prudential Insurance Company of America Founded in 1875 | A+ | 3 | 1 | 0 | 0 | 0 |
| RiverSource Life Insurance Company Founded in 1894 | A+ | 0 | 2 | 0 | 0 | 0 |
| Securian Financial Founded in 1880 | A+ | 4 | 0 | 1 | 2 | 1 |
| American General Life Insurance Company Founded in 1960 | A | 13 | 0 | 2 | 3 | 1 |
| American National Insurance Company Founded in 1905 | A | 2 | 0 | 3 | 1 | 1 |
| Americo (Legacy) Founded in 1946 | A | 11 | 0 | 0 | 0 | 0 |
| Americo Financial Life and Annuity Founded in 1946 | A | 0 | 0 | 0 | 1 | 0 |
| Ameritas Life Insurance Corp. (Legacy) Founded in 1887 | A | 3 | 0 | 0 | 0 | 0 |
| Athene Annuity and Life Company Founded in 1909 | A | 23 | 0 | 0 | 8 | 0 |
| Brighthouse Life Insurance Company Founded in 1863 | A | 1 | 3 | 1 | 0 | 0 |
| Equitable Financial Life Insurance Company Founded in 1859 | A | 0 | 7 | 0 | 0 | 0 |
| Global Atlantic Founded in 2004 | A | 17 | 0 | 1 | 3 | 1 |
| Jackson National Life Insurance Company Founded in 1961 | A | 2 | 0 | 0 | 0 | 1 |
| National Western Life Insurance Company Founded in 1956 | A | 5 | 0 | 0 | 0 | 0 |
| Royal Neighbors of America Founded in 1895 | A | 0 | 0 | 1 | 3 | 0 |
| Symetra Life Insurance Company Founded in 1957 | A | 7 | 1 | 4 | 6 | 0 |
| The Standard Insurance Company Founded in 1906 | A | 2 | 0 | 1 | 10 | 1 |
| Transamerica Life Insurance Company Founded in 1928 | A | 3 | 0 | 0 | 0 | 0 |
| American Equity Investment Life Insurance Company Founded in 1995 | A- | 7 | 0 | 0 | 2 | 1 |
| Delaware Life Founded in 2013 | A- | 4 | 0 | 0 | 1 | 0 |
| Fidelity & Guaranty Life Insurance Company Founded in 1959 | A- | 12 | 0 | 0 | 1 | 1 |
| Oxford Life Insurance Company Founded in 1965 | A- | 6 | 0 | 0 | 1 | 0 |
| Sagicor Life Insurance Company Founded in 1954 | A- | 0 | 0 | 1 | 1 | 1 |
| Security Benefit Life Insurance Company Founded in 1892 | A- | 6 | 0 | 2 | 1 | 0 |
| EquiTrust Life Insurance Company Founded in 1966 | B++ | 5 | 0 | 2 | 1 | 1 |
| Guaranty Income Life Insurance Company Founded in 1926 | B++ | 5 | 0 | 5 | 5 | 0 |
| Guggenheim Life and Annuity Company Founded in 1985 | B++ | 4 | 0 | 0 | 2 | 1 |
| Liberty Bankers Life Insurance Company Founded in 1958 | B++ | 0 | 0 | 2 | 10 | 1 |
| Sentinel Security Life Insurance Company Founded in 1948 | B++ | 14 | 0 | 0 | 1 | 0 |
| Nassau Financial Group Founded in 1851 | B+ | 2 | 0 | 0 | 0 | 0 |
| SILAC Insurance Company Founded in 1935 | B+ | 4 | 0 | 0 | 1 | 0 |
Insurance companies are assigned financial ratings issued by rating agencies. There are four main rating agencies, however, A.M. Best is the most used and recognized financial rating for insurance companies.
Financial ratings are important because they are an indicator of an insurance company’s claim paying ability.
We’ve already done much of your due diligence for you and have vetted out many lesser-rated companies whom we are not comfortable recommending to our clients.
Typically, the lower the financial rating the higher the guarantees and fixed annuity rates will be but we always suggest you keep financial ratings in mind as a consideration. In order for an insurance company to list their annuity products on our marketplace, they must be rated at least a B+.
American General Life Insurance Company is part of American International Group (AIG), a multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions.
AIG was founded in 1960 and is domiciled in Texas. As of May 15, 2020, they had just over $192 Billion in assets and are rated A with AM Best.
American Pathway Immediate Annuity
Athene Annuity & Life Insurance Company is a leading provider of products in the retirement savings market. It is one of the industry’s fastest-growing writers of fixed indexed annuities. The vision for their retail business is to be the fixed annuity market leader with a strong capital base and efficient operating model.
They offer a strong portfolio of fixed annuity products designed to meet consumers’ accumulation and retirement income needs.
Athene Annuity & Life Company was founded in 1896 and is domiciled in Iowa. As of June 2020, they had just over $65 Billion in assets and are rated A with AM Best. Visit our Athene Financial Profile page for more detailed rating information.
PRODUCTS OFFERED BY ATHENE
Global Atlantic Financial Group, through its subsidiaries, offers a broad range of retirement, life and reinsurance products designed to help consumers address financial challenges with confidence. A variety of options are available to help individuals customize a strategy to fulfill their accumulation, income, protection, wealth transfer, and end-of-life needs.
Annuities are issued by Forethought Life Insurance Company or Commonwealth Annuity and Life Insurance Company. Global Atlantic Financial Group is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, which include Forethought Life Insurance Company.
Each subsidiary is responsible for its own financial and contractual obligations.
Surrender Charge Schedule (CDSC):
7 Years: 9, 8,7,6,5,4,3,,0
Maximum Issue Age: 85
Minimum Premium: $25,000
Maximum Premium: $1,000,000
Waivers: Terminal Illness Waiver, Nursing Home, Market Value Adjustment
Free Withdrawals: 10% Annually Beginning Year 1
Payment Type: Single Premium
Death Benefit: Full Account Value
Not available in: NY PR VI
RMD Friendly: Yes
Great American Life Insurance Company has been wholly or majority-owned by American Financial Group since 1973. The company is licensed in 49 states and the District of Columbia.
It primarily writes both qualified and non-qualified fixed annuity products. In 2006, Great American introduced fixed-indexed annuities and has ranked as a top provider of these retirement products ever since.
Great American Life Insurance Company was founded in 1961 and is rated A+ by AM Best as of June 2020, they had $35.8 Billion in assets. More in-depth information can be found on the Great American Financial Profile page.
GALIC's Featured Fixed Indexed Annuity: Legend 7
PRODUCT INFORMATION
Surrender Charge Schedule (CDSC):
7 Years: 9%, 8%, 7%, 6%, 5%, 4%, 3%
Maximum Issue Age: 85
Minimum Premium: $10,000
Maximum Premium: $1,000,000
Waivers: Nursing home, Terminal illness Unemployment
Free Withdrawals: 10% Annually Beginning Year 1
Payment Type: Single Premium
Death Benefit: Full Account Value
Not available in: AK CA PA UT
RMD Friendly: Yes
GALIC Legend 7: Available stock market indexes (Interest Rates as of June 11, 2020)
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