Annuity Reviews That You Can Trust

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Read our annuity reviews for expert perspectives and insights prior to making a decision regarding your next annuity purchase. The purpose of our annuity reviews is to help our clients make informed financial decisions regarding retirement.

If you already own an annuity we also offer an annuity review service to help you be sure you are getting 100% of the benefits from your current investment.

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Featured Fixed Index Annuity Companies & Products

Athene Annuity Logo Performance Elite Annuity Review Page

Athene Life and Annuity Company Profile

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 are 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. 

Athene Protector 7 Index Annuity Specifications

Surrender Charge Schedule (CDSC):

7 Years: 9,8,7,6,5,3.9, 2.7%. 

Maximum Issue Age: 83

Minimum Premium: $10,000

Maximum Premium: $1,000,000

Waivers: Return Of Premium (for a fee of 40 basis points) , Terminal Illness Waiver, Confinement Waiver

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

ROP (Return of Premium): Cost 40 basis points

Athene Protector 7 Fixed Index Annuity Rates (effective 8/09/20)
  • 1-Year AI Powered US Equity Index AiPex Participation Rate: 80%
  • 1-Year Nasdaq FC Index: 70% Participation Rate
  • BNP Paribas Multi Asset Diversified 5 Index Participation Rate: 90%
  • S&P 500 Daily Risk Control 5% Index Participation Rate: 60%
  • S&P 500 Point-to-Point with Cap: 5.00%
  • Declared Rate: 2.10%
Global Atlantic Financial Group Logo

Global Atlantic Financial Group

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. 

Global Atlantic Website

Global Atlantic Choice Income II with Income Multiplier Benefit Specs

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

Global Atlantic Choice Income II Interest Rates as of June 14, 2020 *Rates are for $100,000 or more
  • 1 Year Russell 2000 Point to Point with Cap 3.50%
  • 1 Year MSCI EAFE Point to Point with Cap – 3.50%
  • 1 Year PIMCO Balanced Point to Point with Participation Rate – 85%
  • 1 Year S&P 500 Point to Point with Cap – 3.25%
  • 2 Year BlackRock Diversa Volatility Control w/ Spread – 2%
  • 2 Year Franklin US Point to Point with Spread – 2.00%
AIG Logo

American General Life Insurance Co. (AIG) Profile

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 are domiciled in Texas. As of May 15, 2020 they had just over $192 Billion in assets and are rated A with AM Best.

AIG Power Protector 7 Index Annuity Specs

Surrender Charge Schedule (CDSC):

7 Years: 8,7,6,5,4,3,2

Maximum Issue Age: 83

Minimum Premium: $2,500

Maximum Premium: $1,000,000

Waivers: Annuitization Waiver , Extended Care Rider, Terminal Illness Waiver, Activities Daily Living, Market Value Adjustment

Free Withdrawals: 10% Annually Beginning Year 2

Payment Type: Single Premium

Death Benefit: Full Account Value

Not available in: NY PR VI

RMD Friendly: Yes

AIG Protector 7 Interest Rates as of August 13, 2020 *Rates are for $100,000 or more
  • 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate: 80%
  • 1 Year Merrill Lynch Strategic Balanced Index (MLSB) Annual Point to Point with Participation Rate: 80%
  • 1 Year MSCI EAFE Annual Point to Point: 3.60%
  • 1 Year PIMCO Global Optima Index Annual Point to Point with Participation: 45%
  • 1 Year Russell 2000 Annual Point to Point: 3.50%
  • 1 year S&P 500 Annual Point to Point: 4.40%
  • 1 Year S&P 500 Annual Point to Point with Participation: 20%
  • 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread: 2% Spread, 135% Participation
  • 1 Year Declared Rate: 1.50% 

 

American General (AIG) Annuity Products by Type

American Pathway VisionMYG 10 

American Pathway VisionMYG 4 

American Pathway VisionMYG 5 

American Pathway VisionMYG 6 

American Pathway VisionMYG 7 

American Pathway Fixed Annuity – Available as 5, 7 and 10 year products

American Pathway Fixed Annuity (with ROP) – Available as 5, 7 and 10 year products

  • Power 5 Protector
  • Power 7 Protector
  • Power 10 Protector
  • Power 5 Protector Plus Income
  • Power 7 Protector Plus Income
  • Power 10 Protector Plus Income
  • Power Select Builder 8
  • Power Select Plus Income Multiplier
  • Power Select Builder
  • Power Select Plus Income
great american life insurance annuity logo

Great American Life Insurance Company

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 A Rated with AM Best and as of June, 2020 they had $35.8 Billion is assets. More in-depth information can be found on the Great American Financial Profile page.

Great American Legend 7 Index Annuity Specs

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

Great American Legend 7 Interest Rates as of June 11, 2020

Great American increased annuity rates effective August 7th, 2020. Read the announcement to view their updated fixed index annuity rates

  • iShares U.S. Real Estate Annual Point to Point: 4.75% Cap
  • S&P 500 Annual point to point: 4.15% Cap
  • SPDR Gold Index Annual Point to Point: 5.00% Cap
  • S&P 500 Risk Controlled Index Annual Point to Point: 50% Participation
  • Declared Rate: 1.70%

Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. The information presented here is not of tax or legal nature and is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, variable annuity contract, registered index linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). 

The contract features described may not be current and may not apply in the state in which you reside. Annuities are issued by Insurance companies and contracts are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns. 

The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and it does not provide tax, accounting or legal advice. It is important to read the prospectus carefully and consider your objectives, risks, fees and charges associated with the contract. You should always consult your own financial planning, tax, and legal counsel to determine if a fixed annuity, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract are suitable in your financial situation.