We review every major annuity carrier on financial strength, product quality, and claims-paying track record. We work with all of them — and have no preferred carrier.
Top Rated 2026
Best Fixed Annuity Carriers
We only recommend carriers rated A- or better by AM Best. These are the carriers we most frequently recommend based on rate competitiveness, product quality, and financial strength.
Oceanview Life & Annuity
A- AM Best
Best 5-Year MYGA: Up to 6.30%
Consistently leads the market on MYGA rates. Consumer-friendly contract terms including a 10% annual free withdrawal provision and nursing home waivers.
MYGA Specialist10% Free WithdrawalNursing Home Waiver
New York Life
A++ AM Best
SPIA + MYGA · Highest Financial Strength
The gold standard for financial strength. A++ rated and continuously operating since 1845. Consistently competitive SPIA payout rates.
A++ RatedSince 1845SPIA Leader
Athene Annuity & Life
A AM Best
Best FIA Cap: Up to 8.10%
One of the most competitive FIA carriers in the market, backed by Apollo Global Management. Excellent for pre-retirees wanting market-linked growth with principal protection.
FIA Specialist8.10% CapIncome Rider Available
Midland National Life
A+ AM Best
MYGA + FIA · Up to 6.10%
Highly rated carrier with competitive MYGA and FIA products. Strong consumer protections including terminal illness waivers and generous free withdrawal provisions.
A+ RatedTerminal Illness WaiverMYGA + FIA
Pacific Life
A+ AM Best
SPIA Leader · Best Joint Life Rates
Consistently among the highest SPIA payout rates in the market, particularly for joint life options. Ideal for married couples seeking guaranteed lifetime income for both spouses.
SPIA SpecialistBest Joint LifeA+ Rated
Nationwide
A+ AM Best
FIA + Income Riders · 7.75% Cap
Well-regarded FIA products with strong income rider design and excellent customer service. One of the top-rated FIA carriers for GLWB features.
FIA + IncomeGLWB SpecialistA+ Rated
F&G Annuities & Life
A- AM Best
MYGA Specialist · 7–10 Year Terms
Consistently competitive on longer-term MYGAs (7–10 year), with attractive premium bonus features. Well-suited for clients wanting to lock in today's rates for the maximum period.
MYGA 7–10 yrPremium BonusA- Rated
Global Atlantic
A AM Best
Short-Term MYGA Leader · 2–3 Year
Backed by Goldman Sachs, Global Atlantic offers competitive short-to-medium term MYGA rates with strong liquidity provisions. Excellent for shorter commitments.
Goldman Sachs Backed2–3 Yr LeaderA Rated
American Equity Investment
A- AM Best
FIA Market Leader · 40+ Year History
One of the largest fixed indexed annuity issuers in the U.S. with a long track record of competitive cap rates and reliable income rider performance.
Major FIA IssuerIncome RiderLong Track Record
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