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10 Best Annuity Companies of 2025

An annuity is a popular choice for retirement planning and long-term financial stability. Explore top annuities with fixed or variable rates, guided by experts to help you plan confidently.

Last Updated: July 17, 2025
#1
Our Partner
  • Offering Fixed and Variable Annuities
  • 100 years of financial experience
  • Protect your growth and income in retirement
#2
Our Partner
  • Objective: Comprehensive retirement solutions with market-linked growth potential
  • Market Protection: Leading indexed annuity provider with strong downside protection
#3
Our Partner
  • Fixed, Variable, Income, & Index Annuity options available
  • Annuities designed for guaranteed interest or market exposure
#4
Our Partner
  • Objective: Maximize growth potential with competitive rates
  • Market Protection: Indexed annuities providing downside protection with upside potential
#5

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#6
Our Partner
  • 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
#7
Our Partner
  • Objective: Secure retirement income with flexible options
  • Market Protection: Offers market protection and growth potential through fixed indexed annuities
#8
Our Partner
  • Fixed index, Accumulation Fixed, Payout, and Index annuities
  • Strong emphasis on customer service and satisfaction
#9
Our Partner
  • Fixed Index, & Multi-year Guaranteed annuities
  • Financial protection over the life of their policies
#10
Our Partner
  • Objective: Offers a competitive alternative to CDs
  • Flexibility: Not tax-deferred which allows you access to your money prior to 59 ½ without an IRA early withdrawal tax penalty

Best Overall
Our Partner
  • Offering Fixed and Variable Annuities
  • 100 years of financial experience
  • Protect your growth and income in retirement

Gainbridge® FastBreak™ Annuity

 

Gainbridge® FastBreak™ Annuity Key Features:

  • Issued by: Gainbridge Life Insurance Company
  • Interest Rate & Terms: 5.70% guaranteed with 3-10 year terms¹
  • 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) of 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.

A modern annuity with a higher return potential than the average CD or savings account.

Partner Disclaimers & Disclosures:

Gainbridge® FastBreak™, SteadyPace™ and ParityFlex™ Annuities:

¹ Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Current rate as of 12/17/2024 for a 5-10 year investment term. Rates subject to change.

² Withdrawals made prior to age 59 ½ are subject to an IRS early withdrawal tax penalty.

Please visit Gainbridge.io for current rates, full product disclosures, and other important information. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.

Withdrawals above the 10 percent free withdrawal amount are subject to a withdrawal charge and market value adjustment and if under age 59 ½ may be subject to an IRS early withdrawal tax penalty (FastBreak™ is not subject to this penalty). FastBreak™, SteadyPace™, and ParityFlex™ annuities are issued by Gainbridge Life Insurance Company in Zionsville, Indiana.

FastBreak™ is not a tax-deferred annuity; instead you are taxed annually on earned interest.

³ ParityFlex™ Annuity: Provided your account value hasn't gone to $0 due to excess withdrawals.