Best Annuities | To Buy

Offers competitive 5-year rates with a 10% annual penalty-free withdrawal allowance. : Athene MaxRate

Single Premium Immediate Annuities (SPIAs) convert a lump sum into a paycheck that starts within 30 days. : Integrity Life SPIA best annuities to buy

Best for long-term savers comfortable with an A- rated carrier in exchange for maximum yield. Best for Growth with Protection (Fixed Index) Offers competitive 5-year rates with a 10% annual

No contract fees and flexible payout frequencies (monthly, quarterly, or yearly). Summary of Top Annuity Carriers in 2026 Recommended Provider AM Best Rating New York Life Highest MYGA Rates Indexed Growth Allianz Life Product Variety Nationwide Customer Service Best for Growth with Protection (Fixed Index) No

Uses an income rider to build a "benefit base" that grows at a set rate during deferral.

Provides an immediate balance boost through a substantial premium bonus that compounds from day one.

Designed for retirees close to a transition (like starting Social Security) who want high yield without a long lock-up. Current top 3-year MYGA rates are approximately 5.80%. : Knighthead Life Staysail 7