The Best Annuities

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What are The Best Annuities?

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The term ‘Best Annuities’ is purely a subjective term and depends entirely on your goals.

Selecting the best annuities in the annuity marketplace can be a challenge.  Often times, consumers are only presented with one option from an advisor who has limited choices.

The main point in buying an annuity is that you are insuring your money against financial turmoil, so minor differences between products is irrelevant.  But once you know the outcome you are after, then it’s time to find the best annuity for your situation.

In this section, I’ll outline the products or companies I consider the most competitive in each product class and my reasons for doing so. The results of my analysis are subject to state availability and are open to change without notice.

For current recommendations or other further information on any of these products, be sure to contact us now.
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We’ll update the best fixed indexed annuity designed for growth and asset protection periodically as needed
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Great American Landmark 5

  • 5 year surrender schedule
  • Cap rates comparable to most 10 year contracts
  • Gold Index option provides nice hedge against inflation and market volatility
  • 10% free withdrawal annually adds lots of flexibility

Great American Legend 7

  • Identical to the Landmark 5, except…
  • Slightly higher cap and participation rates
  • Gold index option for a nice inflation and market hedge
  • S&P 500 monthly point to point option for exceptional growth opportunity during extended market rallies
  • Also 10% annual free withdrawal

Midland National Endeavor 8

  • 8 year surrender schedule
  • Market leading caps and participation rates
  • Diversity of index options with several global indices available gives this contract robust growth potential
  • S&P 500 Inverse crediting option so you can make money even when the market goes down in value
  • 10% free withdrawal available after the first contract year

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Best Fixed Indexed Annuity Rates

The list to the left is based on my experience in the market, long-term performance and company integrity.  I tell people all the time that there are several contracts that look just like those listed but none have a material advantage so there’s no incentive to change my recommendation.

If you are looking for an excellent asset preservation tool or something less interest rate sensitive than bonds, consider using one of the following contracts to protect a portion of your hard-earned portfolio.

Other companies with contracts that have proven performance deserve an honorable mention.  Those are Equitrust, Lincoln National and Prudential, although many have decreased rates to where they are not currently competitive.

Companies with lots of sale hype that I recommend avoiding include Athene, Allianz and Nationwide.  Performance has not held to projection in many cases so it’s best to keep expectations more reasonable.
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We’ll update the best fixed indexed annuity geared for income periodically as needed
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Best Fixed Indexed Annuity Rates For Income

Many people come to realize they need to lock in lifetime income as the first piece of a solid retirement foundation.

We advocate that people pay for guaranteed income only if you absolutely need it, and here are some of the tools to get the job done.

An important note, we monitor the market and update this list frequently to make sure we offer up to date information on the annuity market as a whole.

If you are interested in strategies for using any contract or would like specific illustrations or projection, please don’t hesitate to contact us.
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AIG Power Select Plus Income– 9.5% annual simple interest increases to the income base plus competitive payout rates make this often the highest paying product.  It all depends on the number of deferral years and the age at which you take payment.

Midland National– an excellent company with very solid financial strength and offers a contract with performance based guaranteed income that competes well with the popular Allianz 222.  Income figures are comparable and the long-term care extension is a very nice addition, of course subject to state availability.

Integrity Life– if you are looking to find a contract with income payouts near the top of the market but require a high credit rating from the company this is it.  Competitive income figures and excellent financial strength set Integrity apart from many companies.
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We’ll update the best fixed annuity periodically as needed
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Best Fixed Annuity Rates

Rates are slowly rising on fixed rate investments right now so while it may not be too exciting just yet, it’s definitely starting to get better. This is a representation of the market’s best fixed annuity rate for various terms.

If liquidity is a concern, most fixed annuities offer interest only withdrawals on the shorter term contracts but some do offer 5%-10% free withdrawals.

Be aware of the contracts that offer higher rates but trim back the yield for additional benefits like withdrawals or death benefits.

As an alternative to Fixed Annuities, consider Secondary Market Annuities.
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Time Horizon 3-7 years

3 yr.       2.75%     Delaware Life

5 yr.       3.7%       Fidelity & Guaranty

7 yr.       3.85%     Fidelity & Guaranty

8 yr.       3.10%     Oxford Life

10 yr.     4.00%     Atlantic Coast Life
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