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10 Best Annuities of 2025
Annuities are a popular choice for retirement planning and long-term financial security. Fixed annuities provide steady interest, indexed annuities link growth to market performance, and Multi-Year Guaranteed Annuities (MYGAs) lock in rates for set periods. Explore these options with a financial advisor to find the best fit for your long-term goals.
Last Updated: February 20, 2025
Our #1 Choice
Our Partner
- Objective: Offers a competitive alternative to CDs
- Flexibility: Not tax-deferred which allows you access to your money prior to 59 ½ without an IRA early withdrawal tax penalty
#2
Our Partner
- Flexibility: Flex Fund allows withdrawal of the initial premium at any time
- Interest Rate & Terms: fixed interest rate of 6.20% for their 7-year term annuity
#3
Our Partner
- Objective: Maximize growth potential with competitive rates
- Market Protection: Indexed annuities providing downside protection with upside potential
#4
Our Partner
- Objective: Designed for retirement savings with a focus on long-term, tax-deferred growth
- Tax Advantage: Offers tax-deferred growth, maximizing retirement account gains
#6
Our Partner
- Fixed, Variable, Income, & Index Annuity options available
- Annuities designed for guaranteed interest or market exposure
#7
Our Partner
- Objective: Comprehensive retirement solutions with market-linked growth potential
- Market Protection: Leading indexed annuity provider with strong downside protection
#8
Our Partner
- Objective: Flexible retirement solutions with strong growth potential
- Market Protection: Indexed and variable annuities that balance growth with protection against market volatility
#9
Our Partner
- Offering fixed and variable annuities
- 100 years of financial experience, Rated A- by BBB
#10
Our Partner
- Objective: Long-term retirement savings with income guarantees and market protection.
- Market Protection: Helps safeguard retirement value from market downturns.
Our #1 Choice
Our Partner
- Objective: Offers a competitive alternative to CDs
- Flexibility: Not tax-deferred which allows you access to your money prior to 59 ½ without an IRA early withdrawal tax penalty
Gainbridge® FastBreak™ Annuity
Gainbridge® FastBreak™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: 5.70% guaranteed with 3-10 year terms¹
- Minimum Deposit: $1,000 – $1M
- Taxes: Interest taxable as earned
- Withdrawals: Up to 10% of account value each year²
Pros, Cons, and How it Compares:
The FastBreak™ annuity, offered by Gainbridge, is a non-tax-deferred savings product with a guaranteed annual percentage yield (APY) of 5.70%.¹ It is available in terms ranging from three to ten years and requires a minimum investment of $1,000.
Unlike tax-deferred annuities, FastBreak™ requires you to pay income tax on the gains credited to your account each year. While this means you don't receive the tax-deferred growth common with other annuities, it offers the advantage of flexibility. You can access your funds before age 59 ½ without incurring early withdrawal penalties, which is typically not an option with tax-deferred products.
Who It's Best For:
According to Gainbridge, the FastBreak™ annuity is ideal for individuals focused on medium to long-term savings goals who want the flexibility to access their money if needed, before reaching retirement age. With its competitive APY and penalty-free early withdrawal feature, it’s a good fit for those seeking steady growth with financial flexibility.
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Discover FastBreak™ — a modern annuity with a higher return potential than the average CD or savings account.
Gainbridge® SteadyPace™ Annuity
Gainbridge® SteadyPace™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: 5.70% guaranteed with 3-10 year terms¹
- Minimum Deposit: $1,000 – $1M
- Taxes: Earnings grow tax-deferred; taxes are due upon withdrawal
- Withdrawals: Up to 10% of account value can be withdrawn annually without penalty²
Pros, Cons, and How it Compares:
The Gainbridge® SteadyPace™ annuity is a tax-deferred savings option offering a competitive 5.70% APY and flexible term lengths ranging from three to ten years. With a minimum deposit requirement of $1,000, this annuity is accessible to a wide range of investors. Earnings grow tax-deferred, allowing potential tax savings, and you can withdraw up to 10% of your account value annually without penalty, starting in the first contract year.
Upon maturity, you have the flexibility to receive your funds as a lump sum, opt for regular payments over five to ten years, or renew your contract for continued growth under the prevailing terms. However, withdrawals before age 59½ may incur a 10% federal tax penalty on earnings in addition to ordinary income taxes.
Who It's Best For:
The Gainbridge® SteadyPace™ annuity is ideal for individuals seeking secure, tax-deferred growth with guaranteed returns. It suits those with medium- to long-term savings goals, including pre-retirees and retirees who value flexibility, predictable income, and low-risk investment options.
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SteadyPace™ — Tax-deferred annuity with a guaranteed 5.70% growth for your retirement savings.
Gainbridge® ParityFlex™ Annuity
Gainbridge® ParityFlex™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Guaranteed lifetime income through the Guaranteed Lifetime Withdrawal Benefit (GLWB)
- Minimum Deposit: $10,000
- Taxes: Earnings grow tax-deferred; taxes are due upon withdrawal
- Withdrawals: Provides annual income payments for life, even if the account balance depletes, subject to GLWB terms
Pros, Cons, and How it Compares:
The ParityFlex™ annuity, offered by Gainbridge, is a tax-deferred product designed to provide guaranteed lifetime income through its GLWB feature. With a minimum deposit of $10,000, this annuity offers financial security by ensuring you receive annual income payments for life, even if your account value runs out, provided all conditions of the contract are met.
While withdrawals exceeding the GLWB limits may incur surrender charges or market value adjustments, the product is designed to protect your principal and offer predictable income. Additionally, like other tax-deferred annuities, withdrawals before age 59 ½ may be subject to a 10% federal tax penalty.
Who It's Best For:
The ParityFlex™ annuity is ideal for individuals nearing or in retirement who prioritize stable, lifelong income and protection from market volatility. It’s a strong choice for those seeking predictable income without the risk of outliving their savings.
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ParityFlex™ annuity grows your retirement savings and pays you an endless stream of income - even if your account reaches zero.³