10 Best Annuities of 2026
Annuities are a popular choice for retirement planning and long-term financial security. Fixed annuities provide steady interest, indexed annuities link growth to market performance, and Multi-Year Guaranteed Annuities (MYGAs) lock in rates for set periods. Explore these options with a financial advisor to find the best fit for your long-term goals.
Gainbridge: Flex℠: Your next big goal deserves a more flexible way to save.
- 1- to 10-year terms, with no more 3-year minimum
- Cash Wallet: access funds anytime without penalties, and it earns 3.25%*
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Guaranteed rates up to 5.95%*
You Can Grow Your Savings Up to 10.5% a Year with 0% Downside1
- 0% floor protects you against market index dips
- Get guaranteed income for the rest of your life
- Find your best rate from 12+ carriers
- Our experts customize your plan to your exact needs
Gainbridge: Retirement Flex℠: We made annuities easier to buy. Now we're making them easier to fit into your life.
- Only $100 minimum to open
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Member Bonus: an additional 0.10% on every rate
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Retirement savings account with guaranteed rates up to 6.15%*
Wondering How To Find The Best Annuity For You?
Take our quiz and connect with an agent to explore options tailored to your needs, including fixed, variable, or immediate annuities!
- Term and combination life, VULs and IULs available
- Compare products real time and find the best plan and benefits
- Streamlined and online application process
- Best for under 50 years old
- Objective: Low-cost annuity options with transparent fees.
- Market Protection: Fixed and indexed annuities providing protection against market volatility.
- Income Guarantee: Flexible income guarantees with clear, low fees.
- Objective: Secure retirement income with flexible options
- Market Protection: Offers market protection and growth potential through fixed indexed annuities
- Objective: Add certainty to your retirement savings with income annuities
- Market Protection: No market risk to your retirement income
- Guaranteed Income: Enjoy steady, reliable income that is guaranteed to last a set period or a lifetime
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.
- Objective: Provide consistent growth through MYGAs.
- Market Protection: Fixed interest rates for guaranteed returns, regardless of market performance.
- Income Guarantee: Predictable income through guaranteed interest rates for fixed terms.
Looking for shorter terms? Explore The Top Certificates of Deposit (CDs)
- Add certainty to your retirement savings with income annuities
- No market risk to your retirement income
- Enjoy steady, reliable income that is guaranteed to last a set period or a lifetime
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.
Turn Your Savings Into Steady, Predictable Income; See Your Personalized Annuity Rate in Minutes
- Lock in tax-deferred growth — Your money grows without annual tax drag, so more of it compounds until you're ready to use it.
- Get income you can't outlive — Choose a payout option designed to send you a check every month for as long as you live, no market-watching required.
- Compare top-rated carriers side by side — See real, current quotes from A-rated insurance companies before you commit to a single provider.
Turn Your Savings Into Steady, Predictable Income - See Your Rate in Minutes
- Tax-deferred growth: more of your money compounds until you need it
- Income you can't outlive: a monthly check for life, no market-watching required
- Compare A-rated carriers side by side: real, current quotes before you commit
Earn Up To APY* with a 6-month term
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$1,000 min. opening deposit | $75,000 for jumbo CDs
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Offer Regular & Jumbo CDs, and IRA certificates (Traditional, Roth, SEP).
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By opening a certificate at Alliant, you’ll automatically become a member and get a High-Rate Savings account.
* Rate as of
Federally Insured by the NCUA
5.00%* fixed rate for your savings—start with just $1,000.
- Earn up to 5.00% APY on balances under $100,000
- Earn up to 5.20%* APY on balances $100,000 and greater
- Reliable Returns & Hassle-Free Enrollment
- Withdraw up to 10% annually, penalty-free*
* Rate as of 3/24/2026
Gold IRA
- Up to $25,000 in Free Silver on Qualifying Purchases
- 100% Free IRA Rollover & Buyback Commitment
- Free Storage & Maintenance
- Exclusively Recommended by Bill O'Reilly & Rick Harrison
Best for Retirees Seeking
Guaranteed Income & Financial Stability
- Gainbridge Save Traditional annuity lets you grow savings safely and withdraw when needed
- Penalty-free access to your funds before age 59 ½ without an IRA early withdrawal tax
- Can be structured as fixed, variable, or indexed annuities
- No commissions, hidden fees, or charges with Gainbridge Save Traditional
- Retirement savings account with guaranteed rates from 5.20% - 6.10% APY*
- A- (excellent) financial strength by AM Best
- Designed for retirement savings with a focus on long-term, tax-deferred growth
- Renew or withdraw at the end of the Guaranteed Interest Rate Period without penalties
Gainbridge® Traditional Annuity (CPC)
Gainbridge® FastBreak™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.70% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Interest taxable as earned
- Withdrawals: Up to 10% of account value each year²
Pros, Cons, and How it Compares:
The FastBreak™ annuity, offered by Gainbridge, is a non-tax-deferred savings product with a guaranteed annual percentage yield (APY) up to 5.70%.¹ It is available in terms ranging from three to ten years and requires a minimum investment of $1,000.
Unlike tax-deferred annuities, FastBreak™ requires you to pay income tax on the gains credited to your account each year. While this means you don't receive the tax-deferred growth common with other annuities, it offers the advantage of flexibility. You can access your funds before age 59 ½ without incurring early withdrawal penalties, which is typically not an option with tax-deferred products.
Who It's Best For:
According to Gainbridge, the FastBreak™ annuity is ideal for individuals focused on medium to long-term savings goals who want the flexibility to access their money if needed, before reaching retirement age. With its competitive APY and penalty-free early withdrawal feature, it’s a good fit for those seeking steady growth with financial flexibility.
Gainbridge® Retirement Annuity (CPC)
Gainbridge® SteadyPace™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 6.00% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Earnings grow tax-deferred; taxes are due upon withdrawal
- Withdrawals: Up to 10% of account value can be withdrawn annually without penalty²
Pros, Cons, and How it Compares:
The Gainbridge® SteadyPace™ annuity is a tax-deferred savings option offering a competitive 6.00% APY and flexible term lengths ranging from three to ten years. With a minimum deposit requirement of $1,000, this annuity is accessible to a wide range of investors. Earnings grow tax-deferred, allowing potential tax savings, and you can withdraw up to 10% of your account value annually without penalty, starting in the first contract year.
Upon maturity, you have the flexibility to receive your funds as a lump sum, opt for regular payments over five to ten years, or renew your contract for continued growth under the prevailing terms. However, withdrawals before age 59½ may incur a 10% federal tax penalty on earnings in addition to ordinary income taxes.
Who It's Best For:
The Gainbridge® SteadyPace™ annuity is ideal for individuals seeking secure, tax-deferred growth with guaranteed returns. It suits those with medium- to long-term savings goals, including pre-retirees and retirees who value flexibility, predictable income, and low-risk investment options.
1Income through annuitization or guaranteed income rider. Guaranteed income rider optional / elected at issue for add'l cost. Benefit base determines income and not available for withdrawal. Withdrawals above guaranteed payout may reduce future payments. Guarantees subject to claims paying ability of issuer. Accumulation value growth not guaranteed on all types of annuities. May lose value. Index-linked growth is subject to caps and participation rates. Surrender charges and rider fees may apply and can reduce account value/amount received. Withdrawals subject to income tax and may be subject to a 10% fed tax penalty before age 59.5. Annuities are long-term products and may not be suitable for everyone. Consult licensed financial professional / qualified tax advisor.