Retire with confidence
We investigate hundreds of annuities from top-rated insurance companies to find the best retirement annuity for you. Whether you want more income or growth without the risk of losses so you can retire with confidence, we can help.
We investigate annuities, so you can retire with confidence
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Hear from our clients
Rated Excellent
Rated 4.9 | Based on 412 Trustpilot reviews
Felt as though he had my best interests in mind.
Cal was on time with every conference and addressed each question with an understandable answer. He came up with an annuity of which I had no prior knowledge.
- G
I cannot say enough good things about
I cannot say enough good things about Terry. I was heavily invested in index annuities and Terry helped me roll everything over to fixed annunitys. It was perfect timing, seeing what is going in the stock market. His knowledge of annunitys put my mind at ease as we chose what to invest in going forward. Security was my number one concern so he helped us achieve that goal. I look forward to working with him again.
- Jim
Go Gators!
It was my motto in college. And coincidentally I can still confidently use it in describing my interaction with Annuiy Gator’s Barbara Halperin! I found her to be an amazing advisor encompassing many superlatives. Super knowledgeable. Highly professional. No high pressure tactics. Concerned and individualized attention.In comparison to other financial meetings and dealings, my interaction with Barbara is right up there at the top of the list. I’m deeply grateful for being able to call on such a valuable resource.
- Larry
Brian Connor was a pleasure to work
Brian Connor was a pleasure to work with.
- Barry
Appreciate seeing the various fixed
Appreciate seeing the various fixed index annuity offerings ands their crediting methods. Prefer not to tie up my money for 7 years at this time. Will look at alternative products with a one year commitment.
- Suzanne
Ryan McNeill is excellent, highly recommended
Years ago, I selected an A++ provider in order to minimize risk. Recently, I discovered that states provide small investors with another form of insurance against company failure. That opened my eyes to the need to research options. Ryan was excellent in his patient exploration of my circumstances – including needs, goals and risk tolerance. Recognizing that his crystal ball is no better than mine, he presented a variety of good options, answered all questions patiently and thoroughly, without pushing. The Zoom format is wonderful – for good discussion and for handy review tapes. I hope to be able to write a more authoritative review in five years. Meanwhile, I can sleep well at night knowing I ve explored a much wider range of options and will enjoy improved financial performance.
- Norm
Annuity Annual Performance
Barbara Halperin has been Exceptional revealing with my account.
- Frederic
The advice that I received from Joshua
The advice that I received from Joshua Schlinsky was much appreciated. Rather than pushing advice which would result in an annuity sale for him, he counseled me to stick with the annuity product that I was already in. He also provided me with a book that he has written that contains some great overall investment advice.
- Robert
The person I am in contact with is on
The person I am in contact with is on target for everything. He keeps me informed, answers any of my questions fluently. He doesn’t treat me like any questions are foolish or not necessary. He helps me with communication if needed on the computer. His name is Michael.
- Angelyn
Rave Review
Outstanding service and knowledge base by professional staff. Extremely helpful in delivering quality assistance.
- Ken
GOOD INFORMATION
GOOD INFORMATION
- Ine
Josh was wonderful to work with.
Josh was wonderful to work with. No pressure and explaining the various products available. Would recommend him to anyone wanting an annuity David Kahn
- David
I dealt with Cal Menzies who walked me
I dealt with Cal Menzies who walked me through the maze of annuities. He was very knowledgeable, clear, patient and above all I felt he is an honest man worthy of my trust.
- Emile
Very good service and very informative.
Very good service and very informative.
- Ernesto
Merrit Strunk was great
Merrit Strunk was great. He took a lot of time explaining different products. He was very knowledgeable in annuities. Was not pushy at all. Very good experience
- Brent
Worked with Ken Anderson from NJ
Worked with Ken Anderson from NJ. He walked us through the entire process, was very professional and we feel he advised us properly. We committed to an annuity that fit our particular needs, investing a lump sum , choosing to wait 4 years to start our withdrawal and feel the value is acceptable with the investment we made. We would highly recommend Annuity Gator, and especially Ken Anderson.
- David
Very knowledgeable people who seem very
Very knowledgeable people who seem very transparent. Take the time to explain complex investment strategies
- George
I am not an annuity fan but I must say
I am not an annuity fan but I must say the information garnered from your reps has got me seriously thinking about putting some of my money into an annuity.
- Jack
Excellent service
Excellent service, answered all my questions without being pushy
- Prem
Advisor was very seasoned informational
Advisor was very seasoned informational and extremely knowledgeable. Great Experience!!!
- Joseph
Very knowledgeable and solid advice
Very knowledgeable and solid advice. Great to work with. Very helpful.
- Karl
Hello
Hello, Sean Sparkman was Honest, hardworking and diligent. in my search for an agent for annuities he is a lucky find.
- Kyster
I had a phone meeting with Joshua
I had a phone meeting with Joshua Schlinsky. He is extremely helpful and knowledgeable on the subject. He was very patient with all my questions about annuities and answered all of them. He is very good at what he does. I have decided to go another direction with my savings but Mr Schlinsky would be someone I would highly recommend to my friends and family. Thank you, Jon Jeffery Tyler
- JEFF
Great source of info and service
Excellent service, great advice. I d recommend them to anyone looking for transparent and quality annuity advice.
- Mike
Kenneth Anderson offered excellent
Kenneth Anderson offered excellent service. He’s very professional and very informative.
- Jenny
Easy to understand
Easy to understand, plenty of common sense examples and no pressure tactics
- Saul
My annuity education
Ryan was very good at explaining everything and all the information that he had was very helpful and I would highly recommend anyone looking at annuities to use them
- Timothy
Always get a second opinion
I was given incorrect information about taxes, I m glad I didn t go ahead with the transaction.
- Mark
Helpful and Easy to Understand
Scott was very helpful in clarifying how the Allianz 360, ABC and the F&G Power Accumulator 7 might work or not for my particular situation. He speaks in a language that is understandable to lay people such as myself.
- Joanne
The Best Decision I ever made.
I had been searching internet for information on annuities and working with two other advisors. When Annuity Gator contacted me, I knew almost immediately I was on to something. He listened to my circumstances, asked a lot of questions and even reviewed the other suggestions I received. He just knew what I needed, explained very thoughtfully and thoroughly. And I do not have a great deal to invest. But Annuity Gator’s Advisor knew just how to help me retire at 65 and provide for my disabled Son. I am so thankful to my Advisor and Annuity Gator! I never thought it was possible. Thoroughly professional and more helpful than anyone!! Great decision!
- Belle
I am a retired engineer and not that
I am a retired engineer and not that familiar with annuities. I originally chose Annuity Gator from the ethernet. I was a bit concerned that I chose wisely, as I wanted to find a representative that had my best interests as a priority. I couldn’t be more pleased with my choice. From the onset, Annuity Gator under the direction of Page Peterson has done everything possible to educate me and raise my level of confidence. As a direct result, I have contracted with Annuity Gator for what I believe is the best Annuity for my specific needs. A 5 star experience.
- Reginald
Very educational
Very educational. Took the time to really learn about our needs and answer questions. Built trust and rapport. James L. Robinson
- James
Very professional and very little
Very professional and very little pressure.
- John
Hello Annuity Gator
Hello Annuity Gator, I again would like to express my praise of agent Sean Sparkman in my dealings with him to secure my income stream annuity,he followed through 100% on what he initially told me about working hard and leaving no stone unturned to help me meet my goals. I had read into annuities online and in writings but didn’t realize how limited my understanding was, he showed me an avenue i didn’t know existed strategized ,knocked on every door and negotiated. two thumbs up ! Kyster Porter
- Kyster
Great sales people mattet
The salesperson was outstanding. Jeff Blocker helped educate me and was very personable. He helped me to select the best option for me.
- Brenda
Terry Ciotti with Annuity Gators A++++ guidance
Terry Ciotti with Annuity Gators was the best advisor I could have ever asked for. His honesty, professionalism, and guidance through the whole process was A+++. He didn’t rush me in any way. He answered all my questions, and I felt great about my decisions. He is my go to with Annuity Gators with any future endeavors. A very big Thank You!!
- Margaret
I want to express my heart felt gratitude
I want to express my heart felt gratitude for the assistance and guidance that our Annuity Advisor , Neil Dekter, provided my wife and I when converting our IRA in to our current Annuity. My wife and I had experienced a most un-fortunate event related to a portion of our retirement investments and, the company that held our investments made transferring funds challenging. Neil’s Courtesy, Professionalism and Patience helped not only to execute the transfer smoothly but, helped my wife and I keep our sanity through a trying time! Through Neil’s efforts, I rest easy knowing that my wife and I will receive a steady monthly lifetime income. I am sure there are many Annuity Advisors who are experts in the industry and, Neil is not only an expert in Annuities, he is an expert in people and truly cares for his clients! My wife and I feel deeply blessed to have met Neil and had the opportunity to work with him!
- Scott
Good service
Good service! Answered all my questions. Very easy to work with.
- Richard
How do I increase my funds?
I started looking on line for a better interest rate than my bank. This was my first experience on line. It turned out beautiful. Sean was very knowledgeable and helpful. He knew his math and listened to what my needs were. He always gave several potions to choose from. Each was explained in great detail. The one I chose gave me an extended death benefit and an option if I became serious ill. I didn’t feel totally bound and not able to get my money. I was a little concerned since he didn’t have an office in my state or hometown. I have been with him for a year and am totally comfortable with my ability to talk to him when needed. This was money that was not needed in the near future yet I still could access it for a serious emergency. The entire plan seems to look out for all my worries. Sean spends the time with you! I am so lucky to have found this annuity. I did my due diligence an found this insurance company met my requirements. Sincerely, Rosemary J. Waldron
- Woody
Tony help me transfer my 401k to
Tony help me transfer my 401k to annuity. Very much recommended
- Ronaldo
James went the extra mile to ensure
James went the extra mile to ensure that our needs were satisfied.
- Kenneth
Great products
Great products
- Sharma
Annuity Program Success
I had been looking for an annuity to invest in, but didn t have a clue where to go and who to contact. The representative assign to me was very instrumental in presenting and explaining the process and earnings potential. He also described the different options I had with the one program I purchased. I was pleased with his customer service and allowed me to ask a million questions and have some time to think about this before I made my decision. I am putting away a large amount of money for my future economic welfare and I believe I chose a good company to do it with. I m giving them 5 Stars and am optimistic to see my earnings potential after this first year.
- Daniel
Writing agent/firm Review
Beginning late January ’24 to the present, our writing agent has provided extremely courteous and timely responses, not only to our initial request for an appointment but to every subsequent, product-related question that we asked. Ultimately, he recommended an annuity product that met our objectives and then some! He delivered an organized, easy to understand presentation that was supported with an equally understandable illustration. Our customer experience has been consistently positive since the end of January through today’s meeting to review the contract.
- Michael
Jason was super patient and took the
Jason was super patient and took the time to explain our various options, based on our particular situation. Would highly recommend him!
- Larry
We enjoyed speaking with you and
We enjoyed speaking with you and learning about your products.
- Jeannie
The have given prompt attention to my
The have given prompt attention to my questions.
- Dana
Annuity Gator is a Great Research Tool !!!
Possibly because I had rolled over a 401K to an annuity, I had begun getting a lot of other annuity sellers’ emails. One of them was Annuity Gator, but I did not know what they did. I realized that my annuity was not going to provide an income stream for 10 years so I contacted the “salesman” who sold me the annuity and I got nowhere. It took several phone calls to get the situation looked at and 4 months to get an answer. It was then I contacted Annuity Gator, but they wanted me to talk to one of their national representatives. I asked them to give me a local representative and that’s how I met Eli Mitcham over the phone. It was he who worked with me through the process which was difficult. After a lot of email correspondence and a lot of time, Eli’s diligence to undo the financial mess I was in paid off. His knowledge of the business is admirable. Eli is a knowledgeable and honest person and that is an awesome combination.
- Rosie
Russ was great
Russ was great. Very knowledgeable and nice guy!
- Karen
Annuity questions!
Annuity Gator Team is very precise in assisting you with your needs. They take time out and answer all of your question without feeling that you are being pressured.
Thanks
- Reginald
James Ault is Excellent
James Ault, AnnuityGator Analyst, is a very honest and intelligent person who is very knowledgeable about investments, especially annuities. He is also very patient and takes the time to fully understand his customer and their goals. He also does an excellent job of explaining how the various annuities work and suggesting the best options for his customers.
- Jake
Lance Riddle worked with my wife and I
My wife and I have been working with Lance Riddle the past few months. He has been very responsive and professional. When we had questions and needed help he was quick to reply We felt very comfortable with his suggestions and recommendations. We ended up purchasing 5 different annuities while working with him.
- Kenneth
Great
Great, he was very good .
- Customer
Great!
Greg was great to talk to. Very informative and unbiased. Appreciate the information.
- Pat
So far so good.
So far so good.
- Pradumnakumar
Bill Decker was very helpful
Bill Decker was very informative and helped me and my wife understand all of our options. With all of the uncertainty in the investing world right now he explained our options in a way that will help us in making the right decisions going forward. I highly recommend Bill for anyone that would want an advisor that they can trust and is great at explaining financial matters in an easy to understand way.
- Paul
Very helpful always answer my call.
Very helpful always answer my call.
- rita
Ryan McNeil was truly a sincere and
Ryan McNeil was truly a sincere and professional gentleman. He did not pressure me into making any decisions and explained all the different types of annuities that are available with great precision and patience. I am very thankful for the education that he provided to me with all the options that I have to choose from. I am looking forward to continue to work with him.
- David
I received excellent service from Mark
I received excellent service from Mark Shelby.
- Lyn
I was delighted and very comfortable
I was delighted and very comfortable working with Barbara Halperin of Annuity Gator. I had no idea there were so many different annuities. Her years of experience and her knowledge were most helpful in explaining the difference between an annuity and what would be a tremendous lifelong annuity for me. I will be forever grateful to Barbara and Annuity Gator. Great people build great companies. Thanks, Barbara!
- ERNEST
Feeling confident
Having NO experience with my finances as far as retirement goes, I went to a seminar with a different firm, and, found things that weren’t making me happy with them. The MAJOR problem was not being able to see where and HOW my money was working in Lamen terms. Very difficult to understand and also that there were fees in almost everything I wanted to do and another was all the paper work that needed to get done to obtain my own money. I investigated many other firms and decided that I would like to try Annuity Gator. Right out of the gate , they set me up with a local advisor that called me, went over things and made an appointment to come out to my house and, To make a long story short, Set me up with a plan that I understood, could see on my computer and actually understand what he was talking about. It took a couple of weeks to get things set up, but he traveled 45 min. to and from my place and even got on the phone with me and the banks that I wanted to move funds to and det up a steady monthly withdrawal that I was comfortable with. It’s only a start but at least I feel confident in this company that I won’t have to work anymore. I’m not rich nor will I be but I’ve always been a conservative and feel good at this move. Thank You, Jeff Blocker for being the professional you are. I look forward to a continues business connection with you.
- Wayne
I am working with Jason Siebert
I am working with Jason Siebert. He has been incredibly patient in educating me towards products that best fit my financial needs. Very friendly and professional. Feel he really wanted to help me. No pressure. Will certainly use him for any other investment needs I may have.
- customer
I was listened to rather than lectured
I was listened to rather than lectured to.!
- Alan
Happy We Met Joshua Schlinsky
We met Joshua Schlinsky through annuity gator while we were working through some annuity options. Joshua educated us on some annuity options that were a good fit for our specific needs. He made the process comfortable for us as we worked towards the option that was the right fit for our situation. We are very happy with the annuity option that Joshua helped us choose. Joshua made this a positive experience for us.
- Scott
Satisfied Customer Listened well and put me in touch with
Listened well and put me in touch with a great advisor who was able to meet my needs.
- Irene
David was informative
David was informative, prepared and candid regarding his recommendation on which plan would be best for my retirement.
- Jeffrey
Casey Madden was great
Casey Madden was informed, caring and just what I needed.
- Diana
Helpful and Educational
Ryan is very knowledgeable of the many options/strategies for buying annuities. He does a great job of explaining the details so that you can feel comfortable with the products.
- Scott
Scott P was was excellent
Scott P was was excellent. Knowledgable and supportive, thank you!
- Dts
William Seeley was excellent in keeping
William Seeley was excellent in keeping up with the progress of my annuity. We will use him again in the future!
- Steven
Very knowledgeable on products
Very knowledgeable on products available.
- David
It was very educational. I understand the benefits and the implications of choosing an annuity.
It was very educational.
- Donna
Skeptical though interested
Initially I was very skeptical concerning FIAs, how they worked and fit into my retirement plans. I had no idea what to expect, thought it was all fancy sales hype. I reached out to a few financial planners with various programs but not sold on the proposals. I did my homework, contacted Annuity Gator for their take on the subject which connected me with Joshua. After a few meetings, reading through his book things started to make sense. Joshua was straight forward answering any, all questions about the products available to me with great patience. We continued to meet for almost a year before coming up with a solution that fit my goals, decided to include my pension, 403B funds into two products to supplement Social Security at retirement. Joshua was on top of all the products available, ratings and felt my best interests were met. Joshua ran down all the numbers, options and went with guaranteed payments for life, a legacy option. Both FIAs together provided the shortfall I was looking for which included beneficiaries. Joshua was great to work with, would highly recommend his services.
- Keith
Concise information
We are still in the informational phase. Third meeting is going go be more definitive. I am very positive I will be going with all recommendations.
- Woody
Annuity performance analysis augmented by IRA alternatives
Appreciated the in-depth review we received and especially the detailed data analysis and summary of our path forward thru retirement.
- atlPeter
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sales tactics, in-person meetings, or complicated insurance jargon.
We focus relentlessly on three areas:
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Best annuities
Personalization
Honest guidance
We give it to you straight. We don’t hide anything or avoid conversations about fees, commissions, or fine print. Our Licensed Annuity Investigators provide full transparency, answer all your questions, and give honest guidance so you can retire with confidence.
Best annuities
With our technology-driven approach, we can investigate hundreds of top annuities from multiple top-rated insurance companies. Our Licensed Annuity Investigators can help you understand your options and feel confident you have found the best retirement annuity for your situation to financially prepare for a comfortable and worry-free retirement.
Personalization
There is no one-size-fits-all annuity. The right annuity for your retirement depends on your goals, needs, and desired retirement outcome. Our Licensed Annuity Investigators can help you customize a strategy that helps you reach your desired outcome with minimal effort from you.
Need help finding the right annuity?
We have over 100 retirement annuities in our review database.
FAQs
What are annuities, and how do they work in retirement planning?
Annuities are financial products offered by an issuing insurance company that can help you convert your retirement savings into a guaranteed income stream. They are often used as part of retirement planning to ensure you have enough money to cover your expenses throughout retirement. Depending on the type of annuity—such as fixed annuities, variable annuities, or deferred income annuities—you can receive guaranteed lifetime income, tax-deferred growth, and protection from market declines. These products can be tailored to meet your investment objectives and provide regular payments, either immediately or in the future, based on your needs.
What is the difference between fixed and variable annuities, and can I lose money with them?
Fixed annuities provide a guaranteed rate of return and predictable payments, making them a safer option for those seeking stability. Variable annuities, on the other hand, offer underlying investment options tied to market performance, which means your account value may fluctuate. While fixed annuities protect your principal, variable annuities carry market risk, so it’s possible to lose money depending on how the investments perform. Both types may include additional features like a death benefit or a guaranteed lifetime withdrawal benefit for an extra fee.
How do taxes work with annuities, and what is tax deferral?
Annuities offer tax-deferred growth, meaning you don’t pay taxes on earnings until you withdraw them. When you take distributions, they are taxed as ordinary income rather than capital gains. This can help your retirement nest egg grow faster compared to taxable accounts. However, early withdrawals may incur surrender charges and additional penalties. It’s important to consult a licensed insurance agency or tax professional for personalized tax advice before making decisions about an annuity.
What should I consider when evaluating a retirement annuity?
When evaluating retirement annuities, consider reviewing unbiased reviews and analyses to understand the pros and cons of each product. Websites like AnnuityGator.com provide independent reviews to help you make informed decisions. Look at the financial strength of the issuing insurance company, such as York Life Insurance Company, as their claims-paying ability is crucial for honoring guarantees like guaranteed lifetime income. Also, evaluate the fees, investment options, and any additional features like cost-of-living adjustments that align with your retirement goals.
What happens to my annuity if I pass away?
Many retirement annuities include a death benefit that ensures any remaining contract value or specified funds are passed on to your beneficiaries. Some contracts also allow you to choose income options that continue payments to a spouse or heir after your death. The specifics vary depending on the type of annuity and the terms outlined by the issuing corporation. Be sure to review these details carefully when purchasing an annuity to ensure it aligns with your legacy planning goals.
See How Stephen Turned His 401(K) Into a Guaranteed Lifetime Income and Can Now Retire with Confidence