Top Annuity Companies
We compare rates from 8 of the most financially strong annuity carriers in the US. Every company listed here holds an A+ or A++ rating from AM Best — the gold standard for insurance company financial strength.
New York Life
A++ AM BestNew York Life is the largest mutual life insurance company in the United States and one of the most trusted names in annuities. With an A++ rating from AM Best and 180 years in business, they offer some of the most competitive fixed and immediate annuity rates in the market.
MassMutual
A++ AM BestMassMutual is a mutual life insurance company with an A++ rating and over 170 years of history. Known for strong dividend payouts and conservative investment management, MassMutual is a top choice for annuity buyers who value stability.
Pacific Life
A+ AM BestPacific Life has been providing financial products for over 155 years. Their annuity products are known for competitive rates and flexible options, making them a popular choice among financial advisors and retirees.
Prudential Financial
A+ AM BestPrudential is one of the largest financial services companies in the world. Their annuity products benefit from extensive research capabilities, a massive investment portfolio, and one of the strongest brand names in insurance.
MetLife
A+ AM BestMetLife is one of the world's largest providers of insurance and annuities. With operations in over 40 countries and an A+ rating, MetLife offers a range of annuity products designed for retirement income and wealth accumulation.
Allianz Life
A+ AM BestAllianz Life is the US subsidiary of Allianz SE, one of the world's largest financial services companies. They are the market leader in fixed indexed annuities, offering products that provide growth potential linked to market indexes with downside protection.
Nationwide
A+ AM BestNationwide offers a comprehensive range of annuity products including fixed, variable, and indexed options. Known for flexible features and competitive pricing, Nationwide is a strong choice for retirees seeking customizable income solutions.
Lincoln Financial Group
A+ AM BestLincoln Financial Group is one of the largest sellers of annuities in the United States. Their products are known for strong income guarantees and innovative living benefit riders that protect your retirement income.
How We Select Carriers
We only include carriers that meet strict criteria:
- AM Best rating of A+ or higher — This means the carrier has a superior ability to meet ongoing obligations to policyholders.
- Established track record — Every carrier on our list has been in business for at least 90 years.
- Active annuity business — We only include companies that actively sell and competitively price annuity products.
- National availability — All carriers listed are available in most or all US states.
We don't accept advertising or sponsorship from any carrier. The rates shown on our site are based on publicly available data and independent research.

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