Choosing the right insurance carrier is just as important as choosing the right annuity product. As independent brokers, we work with multiple top-rated carriers — which means we recommend the company that offers the best combination of financial strength, competitive rates, and product features for your specific situation, not whoever pays us the highest commission.
How We Evaluate Carriers
- AM Best Financial Strength Rating: We only recommend carriers rated A- or better by AM Best — the gold standard for insurance company financial strength
- Product competitiveness: Rates, cap rates, participation rates, and income rider terms vary significantly. We compare them all and present the best options for your goals
- Surrender charge schedule: Some carriers offer shorter surrender periods or more generous free withdrawal provisions
- Service reputation: We consider each carrier’s track record for contract servicing and claims-paying history
Carriers We Regularly Work With
Athene Annuity and Life — One of the largest fixed and indexed annuity providers in the U.S., rated A by AM Best. Known for competitive MYGA and FIA rates and strong accumulation products.
North American Company for Life and Health — Part of Sammons Financial Group, rated A+ by AM Best. Strong income rider options and flexible FIA contract designs.
American Equity Investment Life — A leading FIA carrier rated A- by AM Best, well-known for strong income riders and competitive index crediting strategies.
Midland National Life — Also part of Sammons Financial, rated A+ by AM Best. Offers a strong lineup of both fixed and indexed products with competitive accumulation and income features.
Global Atlantic — A Goldman Sachs-backed carrier rated A by AM Best. Competitive fixed rates and strong accumulation-focused FIA products.
Nassau Life and Annuity — Competitive MYGA rates, particularly for shorter terms and smaller premium amounts.
No Single “Best” Carrier for Everyone
The right carrier depends on your age, premium amount, time horizon, income needs, and goals. A carrier offering the best MYGA rate today may not offer the best FIA income rider. That is exactly why working with an independent broker — rather than a captive agent who represents only one company — gives you a meaningful advantage.
Call us at 1-888-972-0024 for a current side-by-side comparison of rates and products from all carriers we represent.