They can shop around to find the highest payout rates or the best riders (extra features) across dozens of carriers. Fiduciary advisors are also legally required to put your best interests first.
Independent brokers and "fee-only" fiduciary advisors represent multiple insurance companies rather than just one. where to buy annuities
Top-rated companies include New York Life (rated A++ for financial strength) and Allianz Life (a leader in fixed index annuities). MassMutual and Nationwide also offer robust direct options. They can shop around to find the highest
A widely used comparison tool to get instant quotes from various providers. Summary of Top Carriers by Specialty (2026) Top-Rated Provider AM Best Rating Financial Strength New York Life Fixed Indexed Growth Allianz Life Highest MYGA Rates Customer Satisfaction Variety of Options Nationwide What is your primary goal for an annuity— New York Life Top-rated companies include New York Life (rated A++
Convenience and those who prefer to keep all their financial products under one roof.
Buying directly from the source is a common starting point. Many insurance giants allow you to purchase products through their own "captive" agents—professionals who work exclusively for that company.
