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.
- Fixed Index, Variable, & Index Variable annuities
- Death benefit options & tax-deferred growth potential
- Consistently high financial ratings
- Accredited by the BBB with an A+ rating
- Fixed index, Registered Index-Linked, Immediate & Fixed annuities
- 165 years of experience | Efficient & scalable platform
- Request monthly income direct deposits
- Stable and significant base of earnings
- Fixed, Variable, Income, & Index Annuity options available
- Annuities designed for guaranteed interest or market exposure
- Lifetime income payments, living benefits and/or death benefit protection
- Fixed index, Fixed Multi-Year Guaranteed, and Fixed annuities
- Online annuity education coaches
- Tax-deferred growth option available
- Strong ratings from financial institutions like AM Best
- Fixed Index, Variable, Registered Index-linked, Fixed & Immediate annuities
- Tools & calculators to help make investment decisions
- Online account management & Claim assistance available
Consider Alternative Options:
Gold IRA
- Get Up to $20,000 in Free Metals on Qualifying Purchases
- Commission-Free Exchange Program
- Free IRA Set Up and No-Fee Buybacks
Certificate of Deposit
- No minimum deposit required to open
- Terms range from 3 months to 5 years
- Member FDIC
Indexed Universal Life Insurance
- No risk to principal with access to steady growth
- Lifelong coverage to protect you and loved ones
- Have the potential to grow tax-efficient wealth
- Best for under 50 years old
High Yield Savings Account
- Earn up to 4.30% APY* + Limited Time Offer - New accounts earn a 0.70% APY boost to 4.30% for up to 6 months with eligible direct deposit*
- Open Checking & Savings Accounts with 1 Sign Up
- FDIC Insured up to $250k plus up to $3M in supplemental insurance7
*Terms Apply
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
Why are people investing in annuities?
After years of hard work, protecting your retirement income is just as important as growing your savings. With market volatility, longer life expectancy, and uncertainty around Social Security, many Americans are turning to annuities to create a more predictable and stable retirement.
Guaranteed income for life: One of the biggest reasons people invest in annuities is the promise of steady income. Certain annuities can provide guaranteed payments for life, helping retirees avoid the risk of outliving their savings.
Protection from market volatility: While some annuities offer growth tied to the market, many include downside protection. This can be especially appealing during economic downturns, when traditional investments may fluctuate sharply.
Tax-deferred growth: Money invested in an annuity grows tax-deferred, meaning you don’t pay taxes on earnings until you begin taking withdrawals. This allows your savings to compound more efficiently over time.
How do annuities work?
An annuity is a financial product issued by an insurance company that allows you to convert a portion of your savings into future income. You can fund an annuity with a lump sum or a series of payments, and in return, the insurance company agrees to provide income either immediately or at a later date.
There are several types of annuities—such as fixed, indexed, and variable—each designed to meet different financial goals and risk tolerances. We’ve compared the best annuity companies and providers to help you understand your options and choose a solution that aligns with your retirement plan.
Once you select an annuity provider, their licensed specialists can walk you through the details, explain payout options, and help you decide which annuity type best fits your needs.
Step 1: Choose the right type of annuity
The first step is deciding which annuity structure makes sense for your retirement goals:
-
Fixed annuities offer predictable, guaranteed interest and stable income.
-
Indexed annuities provide growth potential linked to a market index, with built-in protection against losses.
-
Variable annuities allow for higher growth potential but come with market risk.
Many retirees work with top-rated annuity companies that offer personalized guidance to ensure they understand fees, income riders, and payout timelines before moving forward.
Step 2: Fund your annuity
You can fund an annuity using savings from a variety of sources, including cash, brokerage accounts, or by rolling over funds from an existing retirement account such as a Traditional IRA, Roth IRA, 401(k), 403(b), or Thrift Savings Plan (TSP). When done properly, rollovers are typically tax-free, allowing you to reposition your retirement savings without triggering immediate taxes.
Once funded, your annuity begins accumulating value based on its structure. When you’re ready, you can turn that value into a reliable stream of income—helping provide financial confidence and peace of mind throughout retirement.