#1 Rated
Athene Annuity
Athene Ascent Pro 10
AM Best A+|★ 4.8/5
Leading retirement services company with top-rated fixed and indexed annuities.
Independent. Carrier-neutral. Built to compare, not sell.
Annuities, compared without the sales pitch.
Independent reviews of 1012+ annuities from 34 top-rated carriers. Real rates, real math, written for the person writing the check — not the person selling the product.
Takes 2 minutes No obligation Licensed in all 50 states
From our 2026 review
A $500K premium at age 62. 10 carriers, 10 answers.
The spread between the highest- and lowest-paying carrier in our review: $532 a month. For life.
01
The rate ticker, written for humans
Today's top rates · updated daily
| Product | Carrier | AM Best | Term | Rate / payout | Score | |
|---|---|---|---|---|---|---|
| Allianz Retirement Foundation ADV | Allianz | A+ | 7 yr income | $4,354/mo | 90 | Review |
| Aspida Advisory MYGA 7-Year | Aspida Life Insurance Company | A- | 7 yr MYGA | 5.75% APY | — | Review |
| Secure Term MVA Fixed Annuity 8-Year | New York Life | — | 8 yr MYGA | 5.00% APY | — | Review |
| Prudential WealthGuard 7 | Pruco Life | A+ | 7 yr MYGA | 5.00% APY | — | Review |
| Protective Secure Saver Pro 5-Year | Protective Life | A+ | 5 yr MYGA | 5.30% APY | — | Review |
| Protective Income Builder | Protective Life | A+ | 7 yr income | $4,156/mo | 86 | Review |
| Oak Advantage 5-Year | Midland National | — | 5 yr MYGA | 5.40% APY | — | Review |
02
The carriers worth your attention this month
#2 Rated
American Equity
AM Best A|★ 4.6/5
#3 Rated
Allianz Life
AM Best A+|★ 4.5/5
#4 Rated
Nationwide
AM Best A+|★ 4.4/5
03
How it works
Three steps, sixty seconds.
- 01Tell us your goal
Income now, growth, or protection. One question, plain English.
- 02We score 1012+ annuities
Real, daily rate data — fees, payouts, and carrier strength compared.
- 03You pick, or we match you
Read the reviews yourself, or talk to a licensed fiduciary — your call.
04
Why Annuity Atlas
The old way vs. a better one.
| What you get | Traditional advisor | Annuity Atlas |
|---|---|---|
| Compares 1012+ products at once | — | ● |
| Real-time rate data, updated daily | — | ● |
| Transparent fee breakdowns | — | ● |
| Not tied to one carrier | — | ● |
| No cost to you | — | ● |
| AM Best & S&P strength ratings | — | ● |
05
Our methodology
We publish exactly how we score every product.
Every annuity we review is scored on seven criteria — rates, fees, flexibility, carrier strength, rider quality, surrender terms, and payout competitiveness. No weightings are hidden. No carrier can buy a higher rating.
- Rates & caps20%
- Fees & expenses18%
- Payout strength18%
- Rider quality14%
- Carrier financial strength14%
- Surrender flexibility10%
- Contract clarity6%
06
What clients say
The people we've helped.
“They walked me through six different income annuities, side by side. I didn't feel sold to — I felt informed.”
Margaret H.
Retired educator, 68 · Placed $420K
“Finally, someone explained the fees in plain English.”
Robert K.
Small business owner, 71
“Saved us $38,000 over 10 years by picking a better rider.”
Diane & Paul S.
Planners, 64 & 66
Ready when you are
Your retirement deserves
a second opinion.
Free. Takes two minutes. A licensed fiduciary will walk you through your top matches — no sales pitch, no pressure.