How We Evaluate Carriers
- AM Best Financial Strength Rating: We only recommend carriers rated A- or better by AM Best — learn why this matters on our Are Annuities Safe? page
- Product competitiveness: MYGA 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 — see our full guide to annuity fees and surrender charges
- 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.
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.