Best Annuities To Buy Today

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

Optimized for pre-retirees in their 50s focused purely on growth over 7–10 years. best annuities to buy

Fixed Index Annuities (FIAs) credit interest based on market performance (like the S&P 500) but include a 0% "floor" to prevent principal loss. : Allianz Accumulation Advantage+ No contract fees and flexible payout frequencies (monthly,

Fulfills the need for a simple, non-complex solution to close a monthly income gap. : MassMutual RetireEase : Allianz Accumulation Advantage+ Fulfills the need for

Ideal for those wanting market-linked growth for 5–10 years before switching to a guaranteed lifetime paycheck. Best for Immediate Income (SPIA)

Leads the market as of late April 2026 with a guaranteed rate.