🔒 Rates updated weekly · Best 5-Year MYGA: 6.30% · Get your free comparison →
50+ A-Rated Carriers · All 50 States · Zero Pressure

The straight path to better annuity rates

We shop every major carrier — not just the ones who pay us the most — and show you the real numbers. Free comparison. Full commission disclosure. No obligation, ever.

No spam · No obligation · Commission disclosed upfront on every recommendation

🏆
50+ CarriersWe shop the full market
🔒
A-Rated OnlyFinancial strength first
📋
Full DisclosureCommission on every quote
Today's Top Rates
● Live · Updated Weekly
MYGA
5-Year Fixed
Oceanview Life · A-
6.30%
5-yr guaranteed
MYGA
3-Year Fixed
Global Atlantic · A
5.60%
3-yr guaranteed
SPIA
Lifetime Income
MassMutual · A++ · Age 68
7.4%*
guaranteed for life
FIA
Indexed Growth
Athene Annuity · A
8.10%
S&P cap · 0% floor

Rates subject to change. Not FDIC insured. Subject to claims-paying ability of issuing insurer.

Carriers we work with
50+
A-rated carriers
we shop for you
50
States licensed
to sell annuities
100%
Commission disclosed
on every recommendation
$0
Cost to you for
our comparison service
What We Offer

Four products. One goal: your best rate.

The right product depends entirely on your timeline, goals, and current situation — not which one pays us the most.

MYGA
Multi-Year Guaranteed Annuity
Up to 6.30% · 5-Year Term
Lock in a fixed rate for 2–10 years with full tax deferral. The CD alternative that consistently outperforms bank rates — no annual tax on interest.
Learn about MYGAs →
SPIA
Single Premium Immediate Annuity
Up to 7.4% payout · Lifetime income
Convert a lump sum into guaranteed monthly income that starts within 30 days and continues for the rest of your life. Your private pension.
Learn about SPIAs →
FIA
Fixed Indexed Annuity
Up to 8.10% cap · 0% loss floor
Market-linked growth with a guaranteed zero floor on losses. When the S&P 500 rises you earn up to the cap. When it falls, principal is untouched.
Learn about FIAs →
DIA
Deferred Income Annuity
High payout · Income starts at 80–85
Longevity insurance. Pay a premium today for guaranteed income that begins at a future age. The longer you defer, the dramatically higher the eventual payment.
Learn about DIAs →
The Process

Simple from start to finish

No office visits. No pressure. Most clients go from first contact to funded policy in under two weeks.

1
Tell us your goal
Fill out our short form — 2 minutes. We learn your timeline, premium amount, income needs, and state of residence.
2
We shop 50+ carriers
A licensed specialist pulls current rates from every carrier relevant to your situation. You get a clear side-by-side comparison.
3
Review & apply online
Choose your product. We handle all paperwork electronically. Most annuities fund within 5–10 business days.

Or call us: (800) 555-1234 · Mon–Fri 9am–6pm ET

Free Tools

Run the real numbers first

No email required. See exactly what your money would earn or pay — based on today's actual top carrier rates.

MYGA Growth Calculator

Compare tax-deferred MYGA growth vs. a taxable CD at the same rate.

MYGA Results — Illustrative*
MYGA Balance at Maturity
$285,460
Full tax-deferred growth
Total Interest
$85,460
CD After-Tax
$256,790
MYGA Advantage
+$28,670
Tax Saved/yr
$3,740
*Illustrative only. Not FDIC insured. Subject to claims-paying ability of issuing insurer. Rates subject to change.
Find Your Fit

Which one sounds like you?

The right product depends entirely on your situation. Click the one that fits.

Pre-Retiree · 55–65
My CDs are maturing and the new rates aren't great
You have $100K–$500K in CDs earning below 5%. You won't need the money for 3–5 years. You want a guaranteed rate and don't want to think about it.
Best fit: A 3–5 year MYGA at today's top rates. Same safety as a CD, better rate, full tax deferral.
Retiree · 65–75
I need my savings to produce income every month
You're retired. Social Security doesn't cover all your essential expenses. You want a check that arrives every month no matter what happens in the market.
Best fit: A SPIA — your private pension that pays for as long as you live.
Pre-Retiree · 50–65
I want market upside but I can't afford a big loss
You're 5–15 years from retirement. You want growth but a 30% loss at this stage is genuinely frightening. You need a middle ground.
Best fit: A Fixed Indexed Annuity. Market-linked growth up to the cap, with a guaranteed zero floor.
Rolling Over · Any Age
My 401k is sitting in my old employer's plan
You've changed jobs or retired and your 401k is still with your old employer. You want to move it into something safer, higher-yielding, or more income-focused.
Best fit: Direct rollover to an IRA annuity. Zero taxes if done correctly as a trustee-to-trustee transfer.
Late-Life Planning · 60–70
I'm worried about running out of money in my 80s
You have income now, but you're genuinely worried about what happens if you live to 90 or 95. Running out of money late in life is your worst-case scenario.
Best fit: A Deferred Income Annuity (DIA) or QLAC. Pay a small premium now for very high income starting at 80 or 85.
Existing Owner · Any Age
I own an annuity with high fees or a low rate
You already own an annuity — maybe a variable annuity with 3%+ annual fees, or a MYGA that matured at a low rate. You think you can do better.
Best fit: Free policy review. If your surrender period has ended, a 1035 exchange may move you to a better product tax-free.
Client Stories

Real people, real results

★★★★★
"I had been sitting in a CD at 4.1% for two years. They found me a 5-year MYGA at 6.30% from an A+ carrier in about 15 minutes. No pressure, no games — just a clear explanation and a better rate."
Margaret T.
Age 64 · Ohio · 5-Year MYGA
★★★★★
"Rolling over my 401k was something I'd been dreading for months. They walked me through the direct rollover process step by step and made sure I didn't trigger any unnecessary taxes."
Robert K.
Age 67 · Florida · 401(k) Rollover
★★★★★
"They actually told me to keep part of my savings liquid and not put everything in one place. That kind of straight advice is rare — and it made me trust them completely."
Carol B.
Age 71 · Texas · SPIA + MYGA
Free · No Obligation · 15 Minutes

Get your personalized rate comparison today

A licensed specialist shops 50+ carriers and sends you a clear side-by-side comparison — with our commission disclosed on every option.

  • Comparison from 50+ A-rated carriers
  • Commission disclosed on every recommendation
  • No obligation to purchase anything
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Common questions

Are annuities FDIC insured?+

No. Annuities are insurance products backed by the carrier's reserves and your state's insurance guaranty association (up to $250,000 per insurer). Straight Forward Annuities only recommends carriers rated A- or better by AM Best.

How does Straight Forward Annuities get paid?+

We are paid a commission by the insurance carrier when you purchase. This does not reduce your credited rate or account value. We disclose our exact commission on every product we recommend before you make any decision.

Can I access my money if I need it?+

For MYGAs and FIAs: most products allow up to 10% free withdrawal per year. Amounts above that incur surrender charges during the term. Most quality annuities also waive all surrender charges for nursing home admission or terminal illness.

Is there any cost for your comparison service?+

Zero. Our comparison service, rate quotes, and consultations are completely free. We are compensated only if and when you purchase. If you compare rates and never buy anything, there is no charge.

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Which annuity is right for you?
Question 1 of 4 25%
What is your primary goal right now?