ANNUITY GUIDE · 2025

The best annuities and top annuity companies for 2025

By David Racich, Owner and CEO of Brokers Alliance. Updated July 2025. A working look at annuity products that can deliver guaranteed income, tax-deferred growth, and flexible payout options.

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01 · ANNUITY BASICS

What is an annuity?

An annuity is a financial product that provides a guaranteed income stream for a specified period or for life, in exchange for an upfront lump sum payment or a series of payments. There are several types available, each offering different benefits.

FX Fixed annuities

Provide guaranteed, fixed payments.

VA Variable annuities

Payments vary depending on the performance of the underlying investments.

*Requires a Series 6&63 Registration with a Broker Dealer to offer.

IX Indexed annuities

Offer returns based on a stock market index with a guaranteed minimum return.

02 · WHY IT MATTERS

Why choose an annuity for retirement?

Annuities are often chosen for retirement planning because they build a stable financial foundation. Three benefits stand out.

GI Guaranteed income

A predictable, reliable income stream that can last for life.

TD Tax deferral

Money in the annuity grows tax-deferred, so taxes are not owed until withdrawals begin.

FL Flexibility

Choose how often payments arrive, whether monthly, quarterly, or annually.

03 · 2025 STANDOUTS

Standout annuities for 2025

These products are worth a close look for 2025, evaluated on guaranteed income, flexibility, and financial strength.

Guaranteed income Flexibility Financial strength

Three overlapping circles showing annuity companies judged on guaranteed income, flexibility and financial strength — Every product on this list was judged on the same three things.

FG Fidelity & Guaranty Life ... IncomeShield 5-Year Fixed Indexed Annuity

Offers guaranteed income growth and competitive interest rates based on a market index. It provides tax-deferred growth, and payments can begin in as little as five years.

AL Allianz Life ... Allianz 222 Annuity

Offers fixed indexed returns with a 7% bonus on premiums, plus guaranteed income options, making it a strong choice for those seeking long-term growth.

NW Nationwide ... Peak 10 Fixed Indexed Annuity

Delivers high-growth potential tied to a stock market index with a 10-year surrender period, competitive rates, and guaranteed income options for retirees.

AE American Equity ... IncomeShield Annuity

American Equity's income-focused IncomeShield annuity, built around guaranteed income for retirement.

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This website and information are provided for informational purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.