Learn how annuities really work, compare real rates and products side by side, and get matched with an advisor you can look up by name. Honest, and never pushy. Start reading, and stop whenever you have what you need.
An annuity is just a contract with an insurance company. You give them money, and in return they give you a guarantee. Our only job is helping you choose the right one, honestly, or telling you when you do not need one at all.
Read every guide and see real carrier rates without handing over your name or number first. Nothing here is gated behind a form.
Every product page names who it is wrong for. If an annuity does not fit your goal, our guides say so in plain English.
The advisor at the end is a Certified Annuity Advisor you can look up in a public directory before you ever talk numbers.
There is no wrong one, and no obligation behind any of them.
Protect principal and earn a fixed rate that beats most CDs, without market risk.
ExploreBuild a paycheck you cannot outlive from money you already saved.
ExploreRMDs, 1035 exchanges, inherited annuities, explained in plain English.
ExplorePass value to the people you love with life insurance and beneficiary planning.
ExploreStart with the basics. No jargon, no pressure, no sales pitch.
ExploreGet matched with a Certified Annuity Advisor you can verify by name.
ExploreA multi-year guaranteed annuity locks a fixed rate for a set number of years. Here are the strongest current examples, with the carrier strength on every row.
| Carrier | AM Best | Term | Rate (APY) | Minimum |
|---|---|---|---|---|
| Wichita NationalSecurity 5 | B+ | 5 yr | 6.25% | $10,000 |
| Heartland NationalSecure Rate Pro 10 | B++ | 10 yr | 6.15% | $5,000 |
| Heartland NationalSecure Rate Pro 5 | B++ | 5 yr | 6.10% | $5,000 |
| Heartland NationalSecure Rate Pro 7 | B++ | 7 yr | 6.10% | $5,000 |
| Wichita NationalSecurity 7 | B+ | 7 yr | 6.10% | $10,000 |
Example rates from a licensed feed, not offers. Guarantees rely on the issuing insurer's claims-paying ability. Not FDIC insured. See the full 71-product table and verify a rate.
No call center, and no anonymous "our team." Four honest steps, and you can stop at any one of them.
Read the guides, run the calculators, and compare real rates. Everything is free and open, with the trade-offs shown up front, no email gate.
Answer a few plain questions about what you are trying to do. Grow savings, build income, handle a rollover, or just get oriented.
We match you with a licensed CAA whose name and designation you can look up in a public directory before you ever talk numbers.
They compare real products for your goal, or tell you an annuity is not the right fit. Either way, you leave with clarity, not a contract.
What are you trying to do with your money?
A preview of the two-minute match quiz. Nothing is submitted here.
A comparison table can rank a number. It cannot tell you whether a ten year surrender period fits your plan, or sit with you when the paperwork arrives. Every advisor we match you with holds the Certified Annuity Advisor designation, so you can look the human up by name first.
The CAA is an entry in a public Lookup you can search by name. You do not have to take an advisor’s word for it, or ours. You type the name and see the record yourself.
It is a requirement, not a preference. If an advisor is not in the directory in good standing, they are not someone we will introduce you to.
Surrender schedules, fees, and the case for not buying at all get put in writing before anyone talks about an application.
| Shopping for an annuity | Rate-only comparison | AnnuaLife |
|---|---|---|
| Today’s rates, ranked and searchable | ||
| A licensed advisor attached to your name | ||
| A designation you can verify yourself, by name | ||
| Surrender terms and downsides in writing before you apply | ||
| Someone accountable after the paperwork is signed |
Category comparison, not a comparison to any one company. “Rate-only” describes sites that publish rates without matching you to a licensed advisor. Rates on this site come from a licensed feed and are not offers.
A fixed annuity is like the reliable umbrella in your closet. Not exciting, and that is exactly the point. Our whole job is helping you choose the right one, honestly.
Protection first, growth second. That is the whole idea behind a fixed annuity.
Bring your goal, your questions, or an illustration someone handed you. A Certified Annuity Advisor compares real products for your situation and explains plainly what does and doesn't fit, so you leave with clarity instead of a pitch.
Call answered by a licensed advisor, with a follow-up in under 60 seconds during business hours.
