Jason Stolz, CLTC, CRPC, DIA

The Nationwide Peak 10 Fixed Indexed Annuity, issued by Nationwide Life and Annuity Insurance Company, is designed for retirees and pre-retirees who want dependable income potential combined with principal protection and long-term flexibility. In today’s retirement environment, where volatility, inflation, healthcare costs, and longevity risk create uncertainty, having a reliable income floor is essential.

The Heritage Growth Advantage Plus Fixed Indexed Annuity is a single-premium, deferred annuity designed for individuals who want protected growth, predictable crediting structures, and an immediate premium bonus. Issued by Investors Heritage Life Insurance Company, this contract builds on traditional fixed indexed annuity design by guaranteeing participation rates and cap rates for the entire surrender charge period in most states while adding a premium bonus at issue that immediately increases the starting account value.

The Heritage Growth Advantage Fixed Indexed Annuity is a single premium, deferred annuity designed for individuals who want long-term growth potential without exposing their retirement assets to market losses. Issued by Investors Heritage Life Insurance Company, this product credits interest based on the performance of selected market indexes while protecting your principal and previously credited interest from downturns. For clients who have asked questions similar to those addressed in our guide on are annuities guaranteed, Heritage Growth Advantage demonstrates how contractual guarantees function inside a structured retirement product.

A Ceres Life MYGA (multi-year guaranteed annuity), issued by Ceres Life, is a fixed deferred annuity designed to provide a guaranteed interest rate for a defined term—most commonly used by people who want predictable growth, principal protection from market loss, and a clear timeline for when they can reassess their strategy.

Ceres Life Graybar Ascend Fixed Indexed Annuity, issued by Ceres Life, is built for people who want a clear tradeoff: principal protection with the opportunity to earn interest based on market index movement—without being directly invested in the market and without being credited negative interest due to index performance.

The Ceres Life Graybar IncomePlus Fixed Indexed Annuity, issued by Ceres Life, is designed to help convert retirement savings into reliable lifetime income while still providing growth potential tied to market index performance. Unlike traditional market investments, this annuity is built around protection first — meaning it is structured so negative market performance does not directly reduce credited interest.

The Talcott EverStead MYGA Annuity is designed for retirees and conservative savers who want guaranteed growth, principal protection, and predictable outcomes in an uncertain market environment.

The Talcott EverGuard Aspire Annuity is a fixed indexed annuity designed for individuals who want principal protection, tax-deferred growth, and the opportunity to participate in market-linked upside—without exposing their retirement savings to market losses. Built for long-term accumulation, EverGuard Aspire combines flexible index strategies, professionally managed model portfolios, and optional premium bonuses to support a wide range of retirement goals.

Talcott’s EverGuard Assurance Annuity, issued by Talcott Financial Group, is a fixed indexed annuity built for retirees and pre-retirees who want two things at the same time: protection from market losses and a clear path to guaranteed lifetime income. It’s designed to help you convert a portion of your savings into a more predictable retirement paycheck—while still allowing market-linked growth potential through index strategies.

The Nationwide New Heights Annuity Select is one of those strategies—a contract from Nationwide that combines market-linked growth potential, strong downside protection, and optional income and legacy riders that can support a full retirement plan.

The Mountain Life Secure Summit Multi-Year Guaranteed Annuity (MYGA) is designed for conservative savers who want predictable growth, complete principal protection, and tax-deferred accumulation—without market volatility. This MYGA provides fixed interest guarantees for multi-year periods, customizable liquidity options, and several built-in benefits that support retirement planning, wealth transfer, and long-term financial security.

The American Gulf Anchor Multi-Year Guaranteed Annuity (MYGA) provides fixed, predictable growth with full principal protection, flexible liquidity, and guaranteed interest rates—making it an excellent option for conservative investors seeking stability and tax-deferred accumulation.

The Prosperity PathPro Max Fixed Indexed Annuity offers premium bonuses, strong crediting strategies, and multiple term options—designed for secure growth, liquidity, and long-term income protection.

The Corebridge Power Series Index Annuities provide lifetime income, tax-deferred growth, and principal protection to help secure your retirement.

The Prudential SurePath Income Annuity offers a 10% bonus, daily income growth, and principal protection to secure your retirement income.

The Allianz 360 Annuity offers a 105% interest bonus, principal protection, and increasing lifetime withdrawals for long-term retirement security.

The Allianz Core Income 7 Annuity offers principal protection, indexed growth potential, and increasing lifetime income for a secure retirement plan.

The Atlantic Coast Life Income Navigator Annuity offers a 7% bonus, 7% roll-up rate, and guaranteed lifetime income—ideal for secure retirement planning.

The Midland National MNL Income Planning Annuity offers guaranteed lifetime income with a 10% annual increase and built-in long-term care benefits.

The IncomeShield 10 Annuity from American Equity offers a 10% premium bonus, guaranteed lifetime income, and long-term care enhancements for lasting retirement security.

The Synergy Choice Income Annuity from Aspida offers a 25% bonus, 10% roll-up, and enhanced income multipliers—designed for lasting retirement income and protection.

The Athene BCA 2.0 Annuity offers increasing lifetime income, market protection, and powerful legacy features—all backed by Athene’s Balanced Allocation Value system.

The Nassau Flex Forward Annuity provides flexible income options, tax-deferred growth, and principal protection to help retirees secure lasting financial stability.

The F&G Safe Income Advantage is designed for those seeking guaranteed lifetime income, market protection, and enhanced income benefits if health needs arise.

The Income 150+ SE Annuity by Forethought Life Insurance Company offers guaranteed income, enhanced withdrawal features, and long-term care support—ideal for retirees seeking both growth and protection.

The Indextra Fixed Indexed Annuity offers guaranteed lifetime income, tax-deferred growth, and strong legacy benefits, making it an ideal retirement planning tool for those seeking protection and performance.

The MNL IncomeVantage Pro delivers guaranteed income, penalty-free withdrawals, and growing benefit base options—ideal for retirees seeking long-term financial stability.

The Nationwide Peak 10 offers a bonus credit, simple roll-up, and joint lifetime income—making it an ideal fit for retirees seeking guaranteed income and flexibility.

The Athene Velocity Annuity offers market-linked growth, downside protection, and increasing lifetime income—plus a powerful death benefit for loved ones.

North American’s Income Pay Pro annuity delivers lifetime income, an income base roll-up, and enhanced long-term care benefits—backed by principal protection.

The North American PrimePath Pro 10 Fixed Index Annuity offers guaranteed lifetime income, multiple growth strategies, and enhanced long-term care benefits—all with principal protection.

The Protective Income Builder Annuity offers guaranteed income, a 10% annual roll-up, and flexible payout options for retirees seeking both security and long-term growth.

The Symetra Income Edge Annuity offers guaranteed lifetime income, annual income roll-ups, and market protection, making it a strong choice for retirement security.

The AIG American Pathway Fixed Annuities offer secure, fixed interest growth and principal protection, making them a reliable choice for long-term retirement income.

The Athene Performance Elite Annuity combines market-linked growth strategies, premium bonuses, and flexible income features for a powerful retirement solution.

The Athene Ascent Pro 10 Bonus Annuity blends growth, guaranteed income, and protection—designed for long-term retirement success.

The Athene Activate turns a lump sum into a guaranteed income stream—providing lifetime payouts, flexible options, and peace of mind.

The Accumulation Advantage+ Annuity offers market-linked growth, a premium bonus, and flexible liquidity features to help secure your retirement future.

The Safe Harbor Bonus Guarantee Annuity offers reliable fixed growth, a first-year bonus, and flexible term options for long-term retirement security.

The Allianz 222 Annuity offers premium and interest bonuses, principal protection, and guaranteed lifetime income with long-term care enhancements.

The Power Series of Index Annuities delivers market-linked growth with principal protection and lifetime income for secure retirement planning.

The Safe Haven Bonus Guarantee Annuity offers a first-year interest bonus, contract term flexibility, and penalty-free interest withdrawals for long-term financial confidence.

The AssetShield 10 Bonus Annuity offers a 14% premium bonus, market-linked growth potential, and principal protection for a secure retirement strategy.

The AssetShield 10 Annuity delivers index-linked growth, principal protection, and enhanced benefits for secure, long-term retirement planning.

The BalanceShield 10 Annuity delivers market-linked growth with downside protection, liquidity features, and enhanced benefits for long-term stability.

The EstateShield 10 Annuity offers index-linked growth, guaranteed lifetime income, and enhanced death benefit features for legacy-focused retirement planning.

The GuaranteeShield Fixed Annuity offers reliable fixed growth, penalty-free access, and enhanced protection for long-term retirement planning.

The American Life Classic MYGA delivers secure, fixed returns with tax-deferred growth and flexible liquidity for long-term financial peace of mind.

The American Life Fusion MYGIA combines guaranteed fixed interest with potential S&P 500®-linked bonus credits for enhanced growth.

The American Life Fixed Index Annuity offers market-linked crediting options, tax-deferred growth, and protection against downside risk.

The Ibexis MYGA Plus Annuity offers guaranteed interest, penalty-free liquidity, and optional market-linked growth for flexible retirement planning.

The Ultra-Secure Plus Annuity offers fixed rates, liquidity features, and a return of premium guarantee for peace of mind.

The MNL Guarantee Pro MYGA offers predictable interest, principal protection, and tax-deferred growth for retirement.

The Nationwide Secure Growth Annuity offers predictable interest, tax-deferred growth, and strong principal protection.

The SILAC Secure Savings Annuity provides market-risk-free growth, tax advantages, and penalty-free access in retirement.

The Pacific Guardian Life Diamond Head MYGA delivers guaranteed fixed growth, penalty-free liquidity, and flexible estate planning features.

The Lincoln MYGuarantee Plus Fixed Annuity delivers stable, tax-deferred growth with guaranteed interest rates and flexible withdrawal features.

The ClearFlex Annuity offers market-linked growth with downside protection and liquidity features—ideal for retirement flexibility and long-term planning.

The Aspida Synergy Choice Max Annuity offers powerful growth potential, market-linked strategies, and strong liquidity—backed by a solid financial foundation.

The Delaware Life Target Growth 10 Annuity offers market-linked growth, principal protection, and guaranteed account value—making it a strong choice for long-term financial security.

The Americo Elite 5 Index Annuity offers a balanced approach to growth and income with a short 5-year commitment, diverse index options, and built-in lifetime income features.

The Atlantic Coast Life Accumulation Protector Plus Annuity offers a powerful 10% premium bonus, principal protection, and multi-index growth potential—making it a compelling solution for long-term savers focused on accumulation and security.

The Athene Agility Fixed Indexed Annuity combines market-linked accumulation with a built-in income rider and long-term protection—providing a complete retirement solution with no additional rider fees.

The Ameritas FlexMark Select Fixed Index Annuity offers powerful growth potential, optional premium bonuses, and guaranteed income riders—making it a flexible tool for retirement planning with long-term protection built in.

The Standard Insurance Enhanced Choice Index Plus Annuity offers guaranteed accumulation, principal protection, and multi-year participation rates—making it a solid choice for long-term retirement growth and security.

The American National Strategy Indexed Annuity PLUS 10 delivers lifetime income guarantees, market-linked growth, and protection features designed for individuals looking to build a resilient and flexible retirement strategy.

The Athene AccuMax 7 Fixed Indexed Annuity combines market-linked strategies, downside protection, and enhanced accumulation potential through multi-year crediting options and strong participation rates.

The Aspida Synergy Choice Bonus Fixed Indexed Annuity offers premium growth, principal protection, and guaranteed lifetime income options—making it a flexible and powerful tool for long-term retirement planning.

The EquiTrust MarketTen Bonus Index Annuity offers a 6% premium bonus, downside protection, and the potential for guaranteed lifetime income—designed to meet the evolving needs of today’s retirement savers.

The Delaware Life PrimeStart Bonus 10 Annuity delivers a powerful combination of market-linked growth, principal protection, a 10% premium bonus, and an exclusive rate lock feature—all designed for long-term financial strength.

The Standard Insurance Multi-Choice Annuity combines guaranteed interest, flexible withdrawals, and income-ready features—making it an ideal option for savers who want both predictability and access.

The Standard Insurance Focused Growth Annuity delivers stable, tax-deferred returns with built-in interest access and flexible term options—ideal for conservative savers seeking predictability and control.

With guaranteed rates, tax-deferred growth, and the ability to access interest without penalty, the North American Guarantee Plus MYGA offers both stability and flexibility for long-term savers.

With guaranteed multi-year rates, liquidity options, and a first-year interest boost, the Integrity Life MultiVantage Fixed Annuity offers dependable growth and flexibility for secure retirement planning.

The Knighthead Life Staysail Multi-Year Guaranteed Annuity offers guaranteed interest, flexible terms, and competitive high-band rates—making it a reliable solution for stable, tax-deferred growth.

The Aspida Synergy Choice MYGA provides fixed growth, built-in withdrawal flexibility, and strong financial backing—making it a practical choice for conservative savers who value stability and control.

For savers who value stability over speculation, the Guaranty Rate Lock MYGA delivers guaranteed interest rates, principal protection, and flexible term lengths—all without the noise of the market.

For those looking to capture market-linked growth while safeguarding their retirement savings, the Axonic Trailhead Fixed Indexed Annuity delivers flexibility, protection, and multiple term options tailored to your financial timeline.

The Clear Spring Life ViStar Annuity offers market-linked growth, principal protection, and penalty-free access—ideal for secure retirement planning.

The Guaranty Growth Plus Annuity offers market participation, downside protection, and guaranteed lifetime income—ideal for long-term retirement security.

The Palladium MYG Annuity from American National offers guaranteed interest, tax-deferred growth, and flexible access options for secure retirement planning.

The Athene MaxRate MYGA delivers guaranteed fixed interest, penalty-free access, and dependable retirement growth with multi-year term options.

The Americo Growth Commander Annuity offers market participation with principal protection, flexible liquidity, and guaranteed income features.

The GBU Life Asset Guard MYGA delivers guaranteed interest, early access to funds, and flexible terms to support a secure retirement strategy.

The Oxford Life Select Series Annuity combines market-linked growth, lifetime income, and strong protection features for a secure retirement plan.

The Royal Neighbors Multi-Year Guarantee Annuity offers fixed interest, tax-deferred growth, and emergency access benefits to support secure retirement planning.

The Heartland National Secure Rate MYGA offers guaranteed interest, low minimums, and flexible access—ideal for safe, long-term retirement growth.

The SBLI ECAccumulate Fixed Annuity offers guaranteed growth, penalty-free access, and conversion options for lasting retirement income.

The Fidelity & Guaranty Life Performance Pro Fixed Indexed Annuity offers market-linked growth, guaranteed income, and enhanced features for long-term retirement security.

The EquiTrust Certainty Select MYGA offers fixed interest, tax-deferred growth, and customizable term options to meet your retirement needs.

The Wichita National Life Security 5 Multi-Year Guarantee Annuity provides fixed returns, flexible payout options, and reliable protection from market volatility.

The Americo Ultimate One Index 7 Fixed Indexed Annuity offers secure growth, income flexibility, and protection against market downturns—ideal for building long-term retirement stability.

The EquiTrust MarketValue Index Fixed Indexed Annuity offers strong growth potential, principal protection, and guaranteed income options—making it a compelling solution for long-term retirement planning.

The Global Atlantic ForeAccumulation II Annuity offers market-linked growth with no downside risk, a guaranteed legacy benefit, and flexible access to funds—ideal for those looking to grow and protect retirement savings.

The F&G 1-2-3 Annuity offers customizable lifetime income, tax-deferred growth, and market participation with full downside protection—making it a compelling retirement planning tool for those seeking long-term security.

The Delaware Life Momentum Growth Annuity offers market-linked returns, customizable risk control through VersaGain, and complete principal protection—making it a strong choice for retirement security.

The Symetra Select Pro Fixed Deferred Annuity offers guaranteed multi-year interest rates, up to 15% annual liquidity, and strong death benefit protection for safe and stable retirement growth.

The Oxford Life Multi-Select Fixed Annuity offers guaranteed interest rates, flexible term lengths, and penalty-free access to funds, making it a smart option for stable retirement growth.

The North American Guaranteed Allocation 10 offers fixed credited rates, flexible allocation strategies, and penalty-free withdrawals for predictable retirement growth with protection.

The F&G Guarantee-Platinum Annuity offers 3, 5, or 7-year fixed interest options, penalty-free interest withdrawals, and strong protection for secure retirement growth.

The SecureFore 5 Annuity from Global Atlantic offers 5 years of fixed interest, principal protection, and flexible withdrawal options—ideal for secure retirement planning.

The RetireMax Secure MYGA from National Life Group offers guaranteed interest, penalty-free access, and flexible renewal options—making it a smart choice for stable retirement income.

The Symetra Select Max Fixed Deferred Annuity offers guaranteed interest, penalty-free interest withdrawals, and flexible renewal options—making it an excellent choice for those seeking stability and protection in retirement.

The Reliance Standard Reliance Guarantee 5 Fixed Annuity offers guaranteed interest, penalty-free access to funds, and flexible liquidity options—making it an ideal choice for retirement savers seeking predictable growth and financial security.

The Nassau MYAnnuity 5X/7X offers guaranteed interest rates, flexible withdrawal options, and long-term stability for retirement planning.

The Delaware Life Pinnacle Plus Multi-Year Guaranteed Annuity, issued by Delaware Life Insurance Company, provides a reliable and low-risk option for individuals seeking secure, predictable performance without market exposure.

The Clear Spring Life Preserve MYGA offers fixed growth, principal protection, and flexible liquidity options—perfect for retirees seeking reliable performance.

With an 8% premium bonus and flexible growth options, the MarketForce Bonus Index Annuity helps protect your future while offering meaningful upside in retirement.

The Oceanview Harbourview annuity offers strong index participation, zero downside risk, and income flexibility—ideal for retirement savers seeking market growth with guarantees.

The Lincoln OptiBlend annuity offers strong index-linked growth potential and full principal protection—ideal for those who want retirement growth without the risk of loss.

The North American VersaChoice 10 annuity offers flexible liquidity, innovative crediting strategies, and powerful protection features—perfect for clients who want market participation without market losses.

The F&G Flex Accumulator offers diversified index strategies, downside protection, and enhanced benefits—perfect for those seeking market-based growth with security and flexibility.

The Sagicor Milestone Max MYGA provides stable growth, liquidity, and retirement security—perfect for those seeking predictable, fixed returns.

The Protective Asset Builder II FIA delivers market-linked accumulation, principal protection, and income flexibility—ideal for individuals seeking secure retirement growth.

The EquiTrust MarketPower Bonus annuity offers a 10% premium bonus, powerful income growth options, and index-linked crediting—ideal for retirement savers who want protection and upside potential.

The SILAC Vega Bonus Fixed Indexed Annuity delivers flexible accumulation, up to a 50% benefit bonus, and lifetime income options—making it a smart choice for individuals seeking growth and protection.

The Americo Platinum Assure MYGA offers guaranteed interest, flexible access, and principal protection—ideal for retirement savers seeking predictable, penalty-free growth.

The Oceanview Harbourview MYGA offers fixed interest rates, multiple term lengths, and flexible withdrawal features—making it a smart solution for secure retirement accumulation.

The NWL Impact 10 annuity offers a 7% premium bonus, flexible crediting strategies, and multiple income options—ideal for building retirement income with long-term protection.

The GILICO WealthChoice annuity offers premium bonuses, lifetime income riders, and return of premium protection—delivering long-term growth, income, and flexibility.

The F&G Prosperity Elite annuity offers an 18% income base bonus, a 10% roll-up, and health-based income multipliers—making it a standout choice for guaranteed lifetime income.

The EquiTrust MarketFive annuity provides a 5-year term, principal protection, and market-based strategies—ideal for those seeking short-term growth with guaranteed security.

The Ameritas ApexAdvantage annuity combines powerful index strategies, income protection riders, and legacy benefits—making it a strong choice for secure, flexible retirement planning.

The Delaware Life Momentum Growth Plus annuity offers a 13% premium bonus, index-linked strategies, and the VersaGain feature—empowering you to control and protect your retirement growth.

The MNL IndexBuilder 10 from Midland National offers up to a 17% bonus, multiple index strategies, and flexible income options—ideal for those seeking long-term retirement security.

The Revol One DirectGrowth MYGA offers guaranteed interest, principal protection, and flexible features—making it an excellent choice for secure retirement accumulation.

The Keystone Index 10 from The Standard offers reliable growth, S&P 500 index options, and flexible access—making it a strong choice for retirees seeking both security and upside.

The Delaware Life DualTrack Income annuity gives retirees a unique way to grow future income—combining a 9% guaranteed roll-up with a performance-based track that locks in the higher value.

The Ibexis FIA Plus annuity offers accumulation-focused investors annual lock-in features, flexible risk exposure, and access to high-performing indexes—all with market protection built in.

The Zenith Income 10 from National Life Group offers powerful lifetime income guarantees, flexible bonus options, and protection from market risk—all from a carrier known for over 175 years of financial strength.

The AccumulatorPlus FIA from Fidelity & Guaranty Life (F&G) combines indexed growth options, no downside risk, penalty-free access for health events, and a secure legacy death benefit—all in a flexible and transparent structure.

The Denali FIA offers tiered indexed crediting strategies, principal protection, lifetime withdrawals, and built‑in health event benefits—without annual fees or rider charges.

The Income Driver 10 FIA from National Life Group offers lifetime income options, a death-benefit bonus, and principal protection—ideal for those seeking predictable, growing retirement income.

The NAC Control.X Fixed Indexed Annuity offers strong accumulation potential, innovative growth strategies, and protection from market downturns—all backed by North American, one of the most trusted carriers in the industry.

The GBU Future Flex FIA offers a range of index crediting methods, flexible terms, and guaranteed capital protection—ideal for investors seeking tailored growth without downside risk.

The Americo Ultimate One Index 9 FIA offers market-linked growth using the S&P 500 Index, a simple term structure, and strong guarantees—ideal for cautious growth seekers.

The Delaware Life Retirement Stages Select FIA offers tiered indexed crediting strategies and structured guarantees—blending flexibility, growth, and certainty for your retirement timeline.

The Midland National RetireVantage FIA offers flexible index strategies and growth potential with guaranteed downside protection—perfect for conservative and growth-focused savers alike.

The Integrity Life Indextra FIA offers tailored index-linked crediting strategies, principal protection, and flexible growth—perfect for balanced retirement planning.

The Standard Index Select Annuity offers structured growth across 5-, 7‑, or 10‑year terms—using multiple index strategies while protecting your principal.

The Reliance Standard Secure Growth & Income Annuity delivers fixed interest accumulation alongside an optional income rider—ideal for those seeking reliability and retirement income.

The EquiTrust MarketSeven FIA offers flexible index strategies, optional income features, and dependable principal protection.

The Midland Accelerate 5 FIA offers accelerated growth credits alongside multiple crediting strategies—ideal for those looking to speed up savings.

The Global Atlantic ForeAccumulation II FIA delivers market-indexed growth tied to upside performance—without risking your principal.

The EquiTrust MarketMax Index Annuity offers the potential for market-linked growth while protecting your principal—ideal for conservative investors looking for balance.

The SILAC Teton Series FIA delivers market-linked growth, a strong premium bonus, and downside protection—combined with flexible liquidity options and health benefits.

The GBU Asset Guard Fixed Index Annuity offers market-linked growth with principal protection, giving you tax-deferred gains and the security of downside floor.

The BenefitSolutions 10 from North American offers lifetime income, long-term care multipliers, and guaranteed step-ups—all backed by principal protection and tax-deferred growth.

The GBU Defined Benefit Annuity offers a simplified, structured approach to retirement savings—locking in a fixed outcome and guided step-by-step toward a guaranteed income goal.