Best Annuities of 2026
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Best for Retirees Seeking
Guaranteed Income & Financial Stability
- FastBreak™ annuity lets you grow savings safely and withdraw when needed, all with tax-smart flexibility.
- 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 FastBreak™
- Retirement savings account with a guaranteed rate up to 5.15% 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
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
Buy an Annuity with an Agent
- Objective: Financial security with a focus on long-term stability
- Market Protection: Offers a variety of fixed and variable annuities, with some products providing downside market protection
- Income Guarantee: Lifetime income options backed by strong financial ratings and customizable income riders
- Objective: Long-term security with strong financial backing
- Market Protection: Offers a range of fixed and indexed annuities to protect against market downturns
- Income Guarantee: Reliable income solutions tailored for retirement
- Objective: Maximize growth potential with competitive rates
- Market Protection: Indexed annuities providing downside protection with upside potential
- Income Guarantee: Strong income riders for guaranteed retirement income
- 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: Comprehensive retirement solutions with market-linked growth potential
- Market Protection: Leading indexed annuity provider with strong downside protection
- Income Guarantee: Robust income riders and lifetime payout options for secure retirement income
- Objective: Flexible retirement solutions with strong growth potential
- Market Protection: Indexed and variable annuities that balance growth with protection against market volatility
- Income Guarantee: Comprehensive income guarantee riders, including options for lifetime income and long-term care benefits
- Objective: Secure retirement income with flexible options
- Market Protection: Offers market protection and growth potential through fixed indexed annuities
- Income Guarantee: Strong guaranteed income riders for retirement security
Gainbridge® FastBreak™ Annuity
Gainbridge® FastBreak™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.15% 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 5.15%.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® SteadyPace™ Annuity
Gainbridge® SteadyPace™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.25% 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 5.25% 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.
