Investors seeking a "CD-like" fixed rate for a set term with zero market risk. Best for Immediate Income (SPIA): MassMutual RetireEase
Short-term investors willing to trade a slightly lower carrier rating for maximum yield. Best Annuity Companies of 2026 - CNBC what is the best annuity to buy
Offers top-tier 5-year rates (up to 5.60%) from an A++ rated carrier. Investors seeking a "CD-like" fixed rate for a
Converts a lump sum into a paycheck within 12 months with no contract fees. what is the best annuity to buy
Currently offering some of the highest 1-year fixed rates in the industry at 7.00%.
Retirees who need to fill a specific monthly income gap immediately. Best for Market Growth (FIA): Allianz Life Benefit Control
Ties growth to indices like the S&P 500 but guarantees you won't lose principal if the market drops.