Updated January 1, 2025

10 Best Fixed Rate Annuities of January 2025

BestAnnuities.com helps consumers make smarter buying decisions when it comes to annuities.

Leader in deferred
income annuities

Competitive interest rates with
flexible withdrawal options

Financial Strength Ratings

A.M. Best: B++ (Good)

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Best Independent
Annuity Marketplace

Robust marketplace of highly-rated
carriers & annuity solutions

ConsumerVoice Rating

10/10 (Outstanding)

ConsumerVoice Reviews

619 Reviews

Rated Excellent on Trustpilot

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Global leader in
the annuity market

Wide array of fixed, index
and variable annuities

Financial Strength Ratings

A.M. Best: A+ (Superior)

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With over $360 billion sold last year, annuities are a popular choice for both people close to retirement and in retirement that are looking for market protection with guaranteed income for life. We’ve reviewed the top-rated annuity companies below.

#1 Our Top Choice

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Best Independent Annuity Marketplace

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Leverage is a nationwide independent brokerage that helps consumers navigate annuities from over 30 different insurance companies.

ConsumerVoice Rating

10/10 (Outstanding)

ConsumerVoice Reviews

619 Reviews

Independent marketplace of highly-rated annuity companies

Shop fixed, indexed, and immediate income annuities from over 30 top-rated companies

Grow your money tax-deferred with protection from market downturns

Guaranteed income for life with coverage options for long term care costs

Unbiased advice from friendly, nationwide annuity experts

Explore more trusted annuity companies

Equitrust is the leader in deferred income annuities, offering a range of products designed to meet various retirement needs.

Financial Strength Ratings

A.M. Best: B++ (Good)Fitch: A- (High)Standard & Poor’s: A- (Strong)

Competitive interest rates with flexible withdrawal options

Strong customer service with a focus on long-term client relationships

Diverse annuity options including fixed, indexed and hybrid options

Tailored solutions for both conservative and growth-oriented investors

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Aspida delivers modern annuity solutions with a focus on flexibility and growth

Financial Strength Ratings

A.M. Best: A- (Excellent)KBRA: A-

Innovative product features allow policyholders to customize their retirement income goals

Strong focus on technology, customer satisfaction and personalized service

Options to fit both immediate and long-term retirement goals

Strong financial backing by Ares Management Corporation (NYSE:ARES), with approximately $428 billion in assets under management

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Allianz is the global leader in the annuity market, known for reliability and stability

Financial Strength Ratings

A.M. Best: A+ (Superior)Standard & Poor’s: AA (Very Strong)

Wide array of fixed, index and variable annuities

Top-tier financial strength ratings from leading rating agencies

Innovative features that adapt to changing market conditions

Trusted by millions for secure and steady retirement income

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MassMutual offers a range of annuity products tailored for secure retirement planning

Financial Strength Ratings

A.M. Best: A++ (Superior)Standard & Poor’s: AA+ (Very Strong)Fitch: AA+ (Very Strong)

Strong emphasis on financial security and peace of mind

Wide selection of fixed, index and variable annuities

Trusted by clients for over 160 years with excellent customer service and support

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Fidelity & Guaranty (F&G) provides competitive annuity solutions with flexible options for income

Financial Strength Ratings

A.M. Best: A++ (Superior)Standard & Poor’s: AA+ (Very Strong)Fitch: AA+ (Very Strong)

Focus on growth and security for your retirement

Diverse range of fixed-rate and fixed indexed annuities

Strong reputation for customer satisfaction

Simple and straightforward product offerings backed with strong financial strength

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GILICO offers a variety of annuity products with strong payout rates for immediate income

Financial Strength Ratings

A.M. Best: A- (Excellent)KBRA: A

Competitive payout rates with flexible withdrawal terms

Wide array of fixed rate annuities and index-linked annuity options

A solid choice for those seeking immediate income combined with index performance

Strong financial foundation with consistent financial performance

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