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  • All
  • AIG
  • Allianz
  • American Equity
  • Athene
  • Lincoln Financial Group
  • Nationwide
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North american income pay pro 10 annuity case study

Case Study: North American Income Pay Pro Annuity

Home Annuity Reviews North American Income Pay Pro 10 Reviewed Sherri’s Case Study Sherri is 49 years old and isn’t exactly sure when she will retire; I guess who really …

Silac denali 14 consumer guide cover photo

SILAC Denali 14 Review

The SILAC Denali 14 is a fixed index annuity with a 14 year contract term, uncapped crediting strategies and a built-in lifetime withdrawal benefit with no fees or expenses. Independent …

Athene ascent pro 10 review featured image: coworkers celebrating a colleague’s retirement in the office

Athene Ascent Pro 10 Review

Independent Athene Ascent Pro 10 Review The Athene Ascent Pro 10 is a 10-year fixed index annuity with a lifetime income rider built into the contract. There is an annual …

Silac teton 7 review

SILAC Teton 7 Annuity Review | Up to 7.28%

Unbiased SILAC Teton 7 Review The SILAC Teton 7 is a 7 year fixed index annuity that provides principal protection, upside potential, and enhanced liquidity features. This annuity has no …

Silac teton annuity review

SILAC Teton 10 Annuity Review

SILAC Teton 10 Year Fixed Index Annuity The SILAC Teton 10 is a 10 year fixed index annuity that provides principal protection, upside potential, and enhanced liquidity features.  The SILAC …

Nationwide peak 10 annuity review

Unbiased Nationwide Peak 10 Annuity Review February 2023

Unbiased Nationwide Peak 10 Review This Nationwide Peak 10 Annuity Review will cover: Nationwide’s Financial Ratings Index Annuity Basics Product Highlights Income rider(s) Historical Performance Pros and Cons of Nationwide …

Allianz 222 review

An Unbiased Allianz 222 Review

The Allianz 222 is a 10 year fixed index annuity with no fees and a guaranteed lifetime income rider built into the contract; please note you must wait 10 years before beginning income.

Athene accumax annuity review picture of client guide

Athene AccuMax Review

Athene AccuMax Review: Independent & Unbiased The Athene Accumax is a fixed index annuity designed to provide more upside accumulation potential and downside protection from market volatility. The AccuMax offers …

Retired couple walking on beach

Unbiased American Equity AssetShield Review

Unbiased American Equity AssetShield Annuity Review The American Equity AssetShield Annuity is a fixed index annuity with no fees and is available in a 7 or 10-year contract.  The AssetShield …

Image of person looking into star filled sky - bnp paribas multi asset diversified index (bnpimad5 index)

BNPIMAD5 Index: A Multi Asset Diversified Index by BNP Paribas

The BNP Paribas Multi-Asset Diversified 5 Index (BNPIMAD5 Index) is a rules-based index with 3 components: Diversification, Dynamic Allocation & Volatility Management.

Athene performance elite brochure cover

Unbiased Athene Agility 10 Review

Athene Agility 10 is a fixed index annuity with no fees that provides flexibility for accumulation, guaranteed income, or help with the unexpected.

Mlsb index fact sheet

MLSB Index – Merrill Lynch Strategic Balanced Index

MLSB Index Performance (Back-Tested & Actual) January 13, 1985, to December 31, 2020. Source BofA Securities, Bloomberg: The Index was created on August 12, 2014. Levels for the Index before …

Silac teton 7 review

Allianz Core Income 7 Review

Allianz Core Income 7 Review: Independent & Unbiased In this Allianz Core Income 7 Review, we will cover: Allianz Financial Ratings Core Income 7 Income Features Crediting Methods Product Specs …

Stock market board - links to is a fixed index annuity right for me

Bloomberg US Dynamic Balance Index II

The Bloomberg US Dynamic Balance Index II reflects the performance of an index strategy that uses the S&P 500® Index and the Bloomberg Barclays US Aggregate RBI® Series 1 Index. …

Senior couple on couch with laptop athene amplify annuity review

Athene Amplify Annuity Review

Athene Amplify Annuity Review is a 6-year Registered Index-Linked Annuity with a 95bps fee, 5 indexes, and a buffer & floor strategy.

Allianz abc annuity review man and woman sitting at desk with computer

Allianz Benefit Control Annuity Review

Allianz Benefit Control Annuity Review (ABC Annuity) In this Allianz Benefit Control Annuity Review (Allianz ABC Annuity) we will cover: Lifetime Income Rider Options Income Multiplier Benefit for Long Term …

Athene performance elite 7 review featured image of asian grandparents taking selfie with grandaughter

Athene Performance Elite 7 Review

Athene Performance Elite 7 Review The Athene Performance Elite 7 is a fixed index annuity with a 7-year contract term. The Athene Performance Elite Annuity is designed for accumulation and …

American general annuity company logo (aig)

AIG Power 7 Protector Review

AIG Power 7 Protector Annuity offers Merrill Lynch Strategic Balanced Index and AQR DynamiQ Allocation Index.

Featured Fixed Index Annuity Companies & Products

Athene annuity and life insurance company logo performance elite annuity review page

Athene Life and Annuity Company

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.

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

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 is 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) Annuities

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

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 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.

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%

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