Best Annuities for Keogh Rollover
Best Annuities for Keogh Rollover
Jason Stolz CLTC, CRPC, DIA, CAA
At Diversified Insurance Brokers, we work with self-employed professionals navigating rollover decisions across every type of qualified retirement structure — and among all the plans covered in our rollover series, the Keogh plan (also called an HR-10 plan) is the one whose participants are least likely to have recently encountered similar planning decisions. Keogh plans were the dominant self-employed retirement vehicle for decades before the modern landscape of Solo 401(k)s and SEP IRAs emerged. Today, the IRS refers to them simply as “qualified retirement plans,” and they are legally identical to other qualified plans for distribution and rollover purposes. But Keogh plan participants share a distinctive profile: they tend to be longer-tenured, more senior self-employed professionals who established their plans years or decades ago, who may have accumulated larger balances than more recently-established SEP IRA or Solo 401(k) holders, and who face a rollover decision triggered by one of several scenarios that no other plan in this series encounters: the termination of a defined benefit Keogh plan with the plan annuity versus private-market rollover choice, the mandatory contribution obligation of a money purchase Keogh that makes plan termination financially preferable to continued administration, or the incorporation of their business which legally requires the Keogh to be closed because the plan cannot continue for an incorporated entity.
This guide covers the best annuity options for a Keogh plan rollover with the nuance each plan type requires. The three Keogh structures — profit-sharing, money purchase, and defined benefit — each produce a different rollover profile. The defined benefit Keogh is the most distinctive: it may offer the participant a choice between staying in the plan’s built-in annuity stream and taking a lump-sum rollover to an IRA for independent annuity placement. That plan-annuity-versus-private-market comparison is the central planning question for defined benefit Keogh participants, and it does not appear in any other rollover type in this series. Our companion pages covering best annuities for a profit sharing plan rollover, best annuities for a SEP IRA rollover, and best annuities for a Roth IRA rollover cover those account types’ distinct frameworks. The Keogh rollover encompasses elements from multiple prior pages — the vesting and employer contribution dynamics of the profit sharing plan, the contribution complexity of the SEP IRA, and the unique income planning of defined benefit structures — and adds the defined benefit annuity comparison and the mandatory contribution and incorporation dimensions that belong exclusively to the Keogh universe.
Understanding the full pros and cons of annuity structures is the analytical starting point for any Keogh rollover destination evaluation. Before product-level comparison begins, the Keogh participant must identify which of three plan types they hold and understand how each type’s structure affects the rollover option set — because the defined benefit Keogh participant’s decision tree looks nothing like the profit-sharing Keogh participant’s, and both look nothing like the guaranteed growth annuity evaluation that is most relevant for the money purchase Keogh participant who has been making mandatory contributions for decades and wants to replicate that accumulation certainty in the private market.
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Three Types of Keogh Plans — How Each Structure Shapes the Rollover and Annuity Decision
A Keogh plan is not a single product but a regulatory category encompassing three materially different retirement plan structures, each with distinct contribution mechanics, accumulation patterns, and rollover considerations. Identifying which type the participant holds is the first step in any Keogh rollover evaluation.
The profit-sharing Keogh is the most common and the most similar to plans covered elsewhere in this series. Like the profit-sharing plan covered in our companion guide, it allows discretionary annual employer contributions up to 25% of compensation or the annual dollar limit — whichever is less. Contributions are optional each year; the self-employed owner can contribute the maximum in profitable years and skip contributions in lean years without any penalty or mandatory minimum. The profit-sharing Keogh rollover follows essentially the same framework as a profit-sharing plan rollover: once a qualifying distribution event occurs, the vested balance rolls directly to a Traditional IRA via trustee-to-trustee transfer, and the annuity evaluation proceeds from there with the same MYGA, FIA, and income annuity framework that applies to any pre-tax qualified plan. The only unique consideration relative to the standard profit-sharing plan: the Keogh’s more complex plan document and annual Form 5500 (or Form 5500-EZ for one-participant plans) requirements mean the termination process involves more administrative coordination than terminating a simpler employer plan.
The money purchase Keogh is the plan type most likely to have produced the Keogh rollover decision through economic pressure rather than life stage. Unlike the discretionary profit-sharing Keogh, the money purchase plan requires a fixed percentage contribution every year — set when the plan was established and maintained regardless of whether the business has a good year or a bad one. A self-employed professional who established a money purchase Keogh committing to a 20% annual contribution faces that contribution obligation every year the plan remains active, even in years when the business generates minimal income. As years pass and the business matures — particularly if the business revenue becomes less predictable or the owner approaches retirement — the mandatory contribution burden often becomes the primary motivation for terminating the Keogh and moving the accumulated balance to an IRA and annuity structure that carries no ongoing contribution obligation. For money purchase Keogh participants, the rollover represents not just a distribution decision but a release from a multiyear mandatory commitment — and the MYGA’s declared-rate certainty or the FIA’s protected growth provide the annuity equivalent of the disciplined accumulation the money purchase structure enforced through mandatory contributions, now converted to voluntary accumulation without an ongoing obligation.
The defined benefit Keogh is the most complex and the most distinctive. Like a corporate pension plan, a defined benefit Keogh promises a specified monthly benefit at retirement — calculated based on years of participation and compensation — and requires actuarially determined annual contributions to fund that promised benefit. The annual contribution amount is not set by the participant but calculated by an actuary to ensure the plan has sufficient assets to pay the promised benefit. This structure has historically allowed very high-earning self-employed professionals (physicians, attorneys, consultants) who established defined benefit Keoghs late in their careers to make extremely large catch-up contributions — because the actuarial calculation required to fund a large defined benefit in a short time frame can produce annual contributions that far exceed what a defined contribution plan allows. For defined benefit Keogh participants, the rollover decision involves a choice that no defined contribution plan participant in this series faces: whether to receive the plan’s built-in annuity stream from the plan sponsor or insurer, or to take a lump-sum distribution and roll it to a Traditional IRA to purchase a private-market annuity independently. This plan-annuity-versus-private-market decision is the central planning question unique to this page.
Defined Benefit Keogh — Plan Annuity vs. Private-Market Income Annuity Comparison
| Planning Dimension | DB Keogh Plan Annuity (Stay in Plan) | Private-Market SPIA from IRA Rollover | Private-Market DIA from IRA Rollover | FIA + GLWB from IRA Rollover |
|---|---|---|---|---|
| Income Certainty | Highest — income amount is defined by the plan formula. No carrier selection or rate environment dependency. The promised benefit is known before retirement begins. | Highest — monthly payment locked at purchase regardless of markets, interest rates, or longevity. Provides immediate income certainty equivalent to the DB plan’s promise, but sized to the lump-sum premium available at rollover. | High for future period — income locked at a specific future date; uncertainty only about life events before income activation. Higher monthly payment than SPIA purchased at same time from same premium due to deferred start date. | Moderate — income rider provides guaranteed withdrawal amounts based on the income base, but account value and income base are separate calculations. Income amount is defined but depends on roll-up rate and payout percentage at activation. |
| Carrier / Rate Competitiveness | Single source — the DB Keogh’s annuity is provided by whatever insurer the plan selected or by the plan sponsor directly. No competitive shopping is possible. The income amount is what the plan formula produces, regardless of market rates. | Full market competition — rolling to IRA and purchasing a private SPIA allows evaluation of the entire SPIA marketplace across dozens of A-rated and A+ rated carriers. The most competitive SPIA income rate for the specific age, gender, and premium amount can be selected. | Full market competition — same competitive shopping advantage as private SPIA. The DIA marketplace offers multiple carrier options with different income activation ages, payout structures, and income amounts for the same premium. | Full market competition — the FIA marketplace is competitive with multiple A-rated carriers offering different cap rates, participation rates, and income rider terms. The FIA income amount depends on market performance during the accumulation phase plus the specific rider terms. |
| Flexibility After Income Starts | Minimal — plan annuity is typically irrevocable at the election date. The plan formula-based income is fixed at the selected payout option (single life, joint life, etc.) with no ability to take lump-sum withdrawals or change the income structure after activation. | Minimal — SPIA is irrevocable; premium is exchanged for the income stream with no account value remaining. Some SPIAs include commutation or cash-out provisions; most do not. The income is fixed at the contracted amount for life. | Minimal to moderate — DIA premium is committed at purchase with income starting at a specified future date. Some DIAs allow rescission before income activation; most do not allow modification after purchase. More time-horizon flexibility than SPIA since income hasn’t started yet. | Moderate — the FIA’s income rider allows activation on demand within the contract’s terms, with the account value (separate from the income base) remaining accessible within the free withdrawal provision. Does not require irrevocable annuitization to generate guaranteed income. |
| Death Benefit | Depends on election — single-life payout produces no residual benefit at death; joint-and-survivor election provides continuing income to a surviving spouse; period-certain election continues payments for the guaranteed period. Many DB plan elections are irrevocable at retirement. | Depends on payout structure — cash refund, period-certain, or joint-life options are available from private SPIA carriers and may be more competitively structured than the plan’s built-in options. The private SPIA marketplace offers more payout structure flexibility than most DB plan annuity options. | Strong — the DIA’s deferred structure typically allows the premium to pass to beneficiaries if the owner dies before income begins. After income activation, payout structure governs like a SPIA. | Strong — the FIA’s remaining account value passes to named beneficiaries upon the owner’s death. The income rider’s income base does not pass to beneficiaries in most structures, but the account value (which may remain meaningful if the rider was recently activated) does. |
| Best Suited For | Participants who trust the plan sponsor, are not concerned about the single-carrier concentration risk of the plan’s insurer, and whose plan formula produces income at or above what the private market would provide for the same lump sum. Simplest execution — no rollover mechanics required. | Participants who want to shop the private market competitively, want more payout structure flexibility than the plan offers, or whose lump-sum rollover amount produces a higher private-market income than the plan formula promises. | Participants who are not yet ready to activate income at rollover and want to defer income start to a specific future date, using the larger deferred payment amount to address longevity risk precisely. | Participants who want to maintain account value access alongside guaranteed income, benefit from potential indexed growth during a deferral period, and prefer a non-irrevocable income structure that can be adjusted before activation. |
The Defined Benefit Keogh Decision — When to Roll Over vs. Take the Plan Annuity
The defined benefit Keogh’s most consequential decision — one that parallels the pension lump-sum vs. annuity choice covered in our companion resource on pension alternatives using annuities — is whether to accept the plan’s built-in annuity income stream or take a lump-sum distribution, roll to a Traditional IRA, and purchase a private-market income annuity independently. The plan annuity has one undeniable advantage: simplicity. The income amount is determined by the plan formula, requires no rollover mechanics, and is paid directly to the participant beginning at the elected date. There is no carrier selection decision, no IRA account to open, and no product application to complete. For participants who trust the plan’s actuarial integrity, are satisfied with the plan formula’s output, and do not want to manage a rollover process, the plan annuity may be the correct choice.
The private-market rollover option has one undeniable advantage: competition. A defined benefit Keogh plan’s built-in annuity is provided by whatever insurer the plan selected — often decades ago when the plan was established — at whatever payout rates that single insurer offers at the participant’s retirement date. Rolling the lump-sum equivalent to a Traditional IRA and shopping the private SPIA marketplace allows comparison across the full range of A-rated and A+-rated income annuity carriers to find the highest guaranteed monthly payment for the specific premium amount, age, gender, and income structure desired. Private SPIA income rates vary meaningfully across carriers — often by meaningful percentages for the same premium — because each carrier’s actuarial assumptions, investment portfolio, and pricing strategy differ. Understanding how lifetime income annuity structures compare across the private marketplace — including joint-life, period-certain, cash-refund, and inflation-adjusted payout options — provides the competitive context for evaluating whether the plan’s built-in annuity competes with what the open market would produce for the same lump sum. The practical determination: ask the plan administrator for both the lump-sum distribution amount and the plan’s monthly benefit amount, then request a private SPIA illustration from multiple A-rated carriers using the lump-sum amount as the premium. If the private-market SPIA produces equal or higher monthly income with equivalent or better payout structure options, the rollover path is superior. If the plan’s benefit exceeds what the private market produces — which can happen when the plan was funded with very conservative actuarial assumptions that produce a larger-than-market implied annuity factor — the plan annuity may be preferable.
The Incorporation Trigger — When Business Structure Forces the Keogh Rollover
Among all rollover types covered in this series, the Keogh plan’s incorporation trigger is the most structurally unique. A Keogh plan is legally established for an unincorporated business — a sole proprietor, a partnership, an LLC taxed as a sole proprietor or partnership. When the self-employed owner decides to incorporate their business — forming a C-Corporation, S-Corporation, or converting an LLC to corporate tax treatment — the business entity changes from an unincorporated employer to a corporate employer. The Keogh plan, which was established for the unincorporated entity, cannot continue as-is for the newly incorporated entity. The options at incorporation are: terminate the Keogh plan and roll the balance to a Traditional IRA (from which the annuity is funded); convert the Keogh plan to a corporate 401(k) plan (which the new corporation would sponsor as the employer); or, in some cases, maintain the Keogh for prior contributions while the new corporation establishes its own plan. The most common outcome for retiring or near-retirement self-employed professionals who incorporate: termination of the Keogh and rollover to an IRA annuity, since they are typically simplifying their retirement structure rather than building a new employer plan for a corporation that may only exist for a transition period. Understanding how qualified plan rollovers to annuities work mechanically — the plan termination paperwork, the direct trustee-to-trustee transfer sequence, and the Form 5500 (or 5500-EZ) final year filing — is the procedural framework for the incorporation-triggered Keogh termination and rollover. The Form 5500 or Form 5500-EZ must be filed for the final plan year of the Keogh’s existence, documenting the termination and the distribution of assets.
DC Keogh Rollover — MYGA and FIA Options After Transfer to IRA
For defined contribution Keogh participants — whether profit-sharing or money purchase — once the plan is terminated and the vested balance is transferred to a Traditional IRA, the annuity evaluation follows the same framework as any pre-tax qualified plan rollover. The MYGA serves DC Keogh participants who want declared-rate certainty for a defined period, locking in a competitive rate for the transition period between plan termination and retirement income activation. The Fixed Indexed Annuity serves participants with longer accumulation horizons who want the 0% floor’s principal protection alongside indexed growth potential. For money purchase Keogh participants specifically, the FIA provides an interesting structural parallel to what the money purchase plan’s mandatory contribution system delivered: disciplined accumulation with a defined accumulation trajectory. The FIA’s 0% floor ensures the accumulated balance from decades of mandatory contributions cannot be eroded by market losses, while the indexed growth provides the potential to continue building above the declared-rate baseline. Our guide to choosing the correct indexes in an FIA covers the full framework for evaluating which crediting strategy within the FIA best serves the DC Keogh rollover’s accumulation profile. For DC Keogh participants building a laddered annuity approach across 3, 5, 7, and 10-year MYGA contracts, the no-contribution-obligation structure of the post-rollover IRA annuity is a significant quality-of-life improvement over the money purchase plan’s mandatory annual funding requirement. The sequence-of-returns risk mitigation that an FIA provides is particularly relevant for Keogh participants who have been accumulating for decades and are now approaching the window where a major market drawdown would have the most permanent impact on their retirement income sustainability.
The DC Keogh participant who wants the annuity to serve as a pension replacement — converting the accumulated defined contribution balance into a guaranteed lifetime income stream that the defined contribution Keogh could not contractually promise — can fund a SPIA or Deferred Income Annuity from the rollover. For the money purchase Keogh participant who has made consistent mandatory contributions for many years and has accumulated a meaningful balance, the SPIA’s guaranteed lifetime income may closely replicate the income security that a defined benefit plan would have provided — at a private-market competitive income rate rather than a plan formula rate, available from the full private marketplace rather than from a single plan-selected insurer. This income security dimension is the same pension alternative planning framework that applies to any pre-tax qualified plan rollover — but it has particular resonance for Keogh participants, many of whom established their plans specifically because they were self-employed and lacked access to the defined benefit pension plans available to their corporate-employed peers. The Keogh’s termination and rollover to a private-market income annuity completes a retirement income architecture that those peers receive automatically through their employer plans.
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How does a DB Keogh lump-sum distribution compare to the plan’s annuity — what does the analysis actually require?
The defined benefit Keogh’s lump-sum versus plan-annuity comparison requires four specific pieces of information before any analytical conclusion can be drawn. First, the plan’s monthly benefit amount — the dollar amount the plan formula promises to pay per month at the selected retirement date, under each available payout structure (single life, joint-and-survivor, period-certain). This is calculated by the plan actuary and provided by the plan administrator. Second, the lump-sum equivalent — the actuarially calculated present value of the plan’s promised income stream, expressed as a single sum that the plan could distribute today in lieu of the monthly benefit. The lump-sum is also provided by the plan administrator and is calculated using the plan’s actuarial assumptions (including the interest rate assumption). Third, the private market SPIA income — an illustration from multiple A-rated and A+-rated SPIA carriers showing the monthly guaranteed income they would pay for the lump-sum amount, at the same age, gender, and payout structure. This illustration must be obtained from the competitive private marketplace, not from the plan’s insurer. Fourth, the payout structure comparison — evaluating whether the private SPIA market offers better joint-life, period-certain, or cash-refund payout options for the same premium than the plan’s built-in structures. Understanding how annuity distributions from a Keogh rollover are taxed — fully taxable as ordinary income whether the income comes from the plan’s annuity or from a private-market SPIA funded by the rollover — confirms that the tax treatment is identical between the two options, meaning the comparison reduces to the income amount and payout structure terms rather than tax efficiency. If the private-market SPIA produces income equal to or greater than the plan formula’s monthly benefit at the same payout structure, rolling to an IRA and purchasing the private SPIA is almost always preferable — because it additionally provides carrier selection, competitive rate transparency, and payout structure flexibility that the plan’s single-insurer option cannot offer.
What is the money purchase Keogh’s mandatory contribution obligation — and how does the rollover eliminate it?
The money purchase Keogh requires a fixed percentage of net self-employment income as a contribution every year the plan remains active — set when the plan was originally established and maintained regardless of whether the business produces sufficient income to fund the contribution comfortably. For a self-employed professional who set up a money purchase Keogh committing to a 15% or 20% contribution rate in a high-income year, those same percentages are owed in every subsequent year even when income falls, when business expenses increase, or when the owner approaches retirement and wants to reduce contributions. Missing mandatory money purchase contributions can result in an IRS excise tax on minimum funding deficiencies — the penalty for failing to meet the mandatory funding obligation is a financial cost on top of the shortfall itself. The only way to eliminate the mandatory contribution obligation is to terminate the plan. Once the money purchase Keogh is terminated and its balance is rolled to a Traditional IRA and annuity structure, the mandatory contribution disappears permanently — the IRA and annuity have no ongoing contribution obligation of any kind. This is the most common practical driver for money purchase Keogh terminations among participants who are approaching retirement: the mandatory contribution has become burdensome relative to current business income, and the accumulated balance is large enough that further mandatory contributions are no longer needed to achieve the retirement income target. Understanding how the resulting IRA annuity’s free withdrawal provisions work — specifically what percentage is accessible annually without surrender charges and how RMD obligations are accommodated — is the first post-rollover planning step after the money purchase plan’s mandatory contribution burden has been eliminated.
How do RMDs apply to a Keogh plan rollover annuity — and does the type of Keogh affect the RMD calculation?
Understanding how RMDs apply to qualified plan balances after SECURE 2.0 — beginning at age 73 for most participants (75 for those born in 1960 or later) — applies equally to all three Keogh plan types once they are rolled to a Traditional IRA. After the Keogh balance rolls to a Traditional IRA, the IRA’s RMD rules govern going forward. The IRA aggregation rule applies: if the participant has the Keogh rollover IRA plus other Traditional IRA accounts, the total RMD across all accounts can be satisfied from any one or combination of those accounts. This is the same RMD framework that applies to every other pre-tax qualified plan in this series once the balance arrives in the Traditional IRA. The Keogh plan type does affect the pre-rollover RMD picture in one specific way: while the Keogh plan is still active, the participant must take RMDs from the active Keogh beginning at the required beginning date, just as with any active qualified plan. A participant who is already past the required beginning date when they terminate the Keogh must confirm that the RMD for the year of termination has been satisfied from the plan before the rollover is executed — the year-of-distribution RMD is not eligible for rollover and must be received by the participant separately. Once the RMD for the termination year is satisfied and the remaining balance rolls to the Traditional IRA annuity, all subsequent RMDs are calculated from the IRA annuity balance using the IRA aggregation rules. The annuity’s free withdrawal provision — typically 10% annually — must accommodate the RMD from the annuity if no other Traditional IRA accounts are available to satisfy it through aggregation, consistent with the planning framework that applies across this entire rollover series.
Can I use SEPPs from a Keogh plan rollover annuity — and is the Rule of 55 available before the rollover?
Understanding how SEPPs apply to the Keogh rollover annuity follows the same 72(t) framework as any Traditional IRA after the Keogh rolls to an IRA. The SEPP election allows penalty-free distributions from the IRA annuity before age 59½, provided the substantially equal periodic payments continue for the longer of 5 years or until age 59½ and are not modified before the continuation period ends. One pre-rollover consideration that mirrors the profit sharing plan discussion: the Rule of 55 — which allows distributions from an employer-sponsored qualified plan without the 10% early withdrawal penalty when the participant separates from service at age 55 or older — is available from the Keogh plan while it remains active. Once the Keogh balance is rolled to a Traditional IRA, the Rule of 55 is permanently lost and only the 72(t) SEPP framework provides the penalty-free distribution alternative. For participants between 55 and 59½ who need income from the Keogh before the rollover, taking distributions directly from the plan under the Rule of 55 before terminating the plan and rolling the remaining balance to an IRA annuity may be more flexible than rolling first and then relying on a SEPP — because the Rule of 55 allows any distribution amount up to the full account balance, while the SEPP locks in a specific payment amount for a multi-year period that cannot be modified without retroactive penalties. Whether the annuity is a good investment for the Keogh rollover balance requires evaluating the specific annuity terms at the actual rollover balance amount against the alternative of a self-directed IRA — a quantitative comparison that must be made with current carrier illustrations rather than generic product comparisons.
How does the Keogh rollover fit within the broader rollover series — and when is it most relevant?
The Keogh rollover occupies a unique position in this series as the plan type most commonly encountered by self-employed professionals from established professions — physicians, attorneys, architects, CPAs, consultants — who began their careers in an era when the Keogh plan was the primary qualified retirement vehicle available to the self-employed, and who have maintained those plans through decades of accumulation while the retirement plan landscape evolved around them. The modern self-employed professional establishing a plan today would use a Solo 401(k) or SEP IRA — the Keogh’s complexity and administrative burden (including mandatory Form 5500 or 5500-EZ filings and plan document requirements) make it less attractive than simpler alternatives with equivalent or better contribution economics. But for the professional who established a Keogh plan 20 or 30 years ago and has been accumulating in it throughout a career, the rollover often coincides with the highest-balance, highest-stakes retirement planning moment of their financial life. The SIMPLE IRA rollover and the Solo 401(k) rollover are the most likely previous or concurrent rollover types for a Keogh participant — many long-tenured professionals have maintained multiple plan types across their careers as each new, simpler alternative became available. The Keogh rollover annuity evaluation uses the same framework as those other plan types — MYGA for certainty, FIA for protected growth, SPIA/DIA for income — but the DB Keogh’s plan-annuity-versus-private-market comparison and the money purchase Keogh’s mandatory-contribution-elimination dimension are planning considerations that those other rollover types cannot replicate. For Keogh participants evaluating what to do with a pension from a prior corporate employer alongside the Keogh rollover, our resource on what to do with a pension after retirement covers the parallel decision framework for the corporate defined benefit plan that may coexist with the Keogh.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, and contributions from his agency featured in Kiplinger and GoBankingRates— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
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Last Reviewed: July 6, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Licensed in all 50 states
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