Annuities, compared without the sales pitch.

We don't score annuities. We rank them on one filed number.

A score is a judgment dressed as a measurement, and it goes stale the moment a carrier reprices. Each contract is placed against every comparable contract in the rate feed — its class and its surrender band — on one number the carrier filed. We publish the number, the peer group, and the date we measured it.

• 01Fixed rate (MYGA)

  Guaranteed yield to surrender

  Never the headline first-year rate — a first-year bonus makes a mediocre contract look like the best on the market.

• 02Fixed indexed

  Comparable annual S&P 500 cap

  Volatility-controlled, fee-bearing, spread-based and sub-100% participation strategies are excluded. They are not like-for-like.

• 03Income

  Guaranteed income per $100,000

  A real carrier quote for the age and coverage asked for. Never interpolated between quoted ages.

Peer group = the product's class and surrender band (3–5, 6–7, 8–10, 11+ years). Where we cannot measure a product against real peers, the page makes no claim at all.

Paid by carriers. Answerable to you.

We earn commissions

When you purchase an annuity through our licensed team, the issuing insurance company pays a commission. You never pay us directly — but it is a conflict of interest, and we'd rather say so plainly.

Rankings aren't for sale

Where a contract places comes from the carriers' own filed rates, on the published metric to the left. No carrier can pay for a better placing, and commission size never enters the comparison.

Real reviews, or none

On-camera reader interviews are in production. Until they're ready, we publish no testimonials at all — never a fabricated quote.