What are the Best Fixed Indexed Annuities for Income
What are the Best Fixed Indexed Annuities for Income
Jason Stolz CLTC, CRPC, DIA, CAA
The best fixed indexed annuities for income are not the ones with the largest headline bonus or the highest advertised roll-up rate. They are the contracts that produce the strongest guaranteed lifetime withdrawal at the exact age you plan to turn income on — while fitting your liquidity needs, spousal protection goals, and legacy preferences. Income-focused fixed indexed annuities are built around a Guaranteed Lifetime Withdrawal Benefit (GLWB), which allows you to draw a set percentage of an income base for life, even if the underlying account value declines to zero due to withdrawals. If you are new to indexed annuities, start by reviewing what a fixed indexed annuity is, then clarify how a GLWB works and what an income rider is so you understand the mechanics that actually drive lifetime cash flow.
At its core, an income-oriented FIA has two moving parts: the accumulation value tied to an index strategy with principal protection, and the income base used solely to calculate withdrawals. The income base may grow by a guaranteed roll-up during deferral, but your paycheck is determined by multiplying that base by the payout factor at your income start age. This is why understanding roll-up vs. payout rate is essential before comparing any two products. A contract advertising an 8% roll-up might appear attractive, but if its payout factor at age 67 is 4.5% while a competitor pays 5.2%, the second contract generates materially higher lifetime income even with a lower roll-up. The only comparison that truly matters is the actual annual withdrawal at your intended income start date.
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How the Best Income FIAs Are Evaluated — The Five Variables That Actually Matter
Shopping for the best income FIA requires evaluating five variables in combination, not in isolation. Headline features — bonus percentages, roll-up rates, index options — are useful starting points but do not determine which contract actually produces the best lifetime income for your specific age, deferral period, and household structure. The five variables that drive real outcome differences are payout factor strength at your target activation age, income base growth mechanics during deferral, rider fee structure and its net impact on long-term income, joint-life provisions and their cost, and liquidity flexibility within and after the surrender period. The table below maps each variable to what it means in practice and what to look for when comparing products.
| Variable | What It Determines | What to Look For | Common Mistake |
|---|---|---|---|
| Payout Factor at Activation Age | The percentage of the income base paid as guaranteed annual income; multiplied by the income base to produce the actual annual withdrawal amount | Compare payout factors at your specific planned activation age — not a generic table; factors increase with each year of deferral and differ meaningfully across carriers at the same age | Focusing on roll-up rate rather than payout factor; a higher roll-up with a lower payout factor can produce less income than a lower roll-up with a stronger payout percentage |
| Income Base Growth During Deferral | How the benefit base — the value used to calculate income, not the cash surrender value — grows between purchase and income activation | Evaluate whether growth is simple interest, compound interest, or index-linked; confirm whether the roll-up applies only to original premium or to accumulating value; check if a premium bonus enhances the starting income base | Confusing the income base with the account value; the income base is not a lump sum you can access — it is a calculation value used solely to determine guaranteed income payments |
| Rider Fee Structure | The annual cost of the income rider, typically deducted from the accumulation account value; reduces the cash value available but does not directly reduce the guaranteed income percentage | Evaluate rider fees relative to the income improvement they produce; a 1.10% rider fee that generates a 5.3% lifetime payout may produce better net outcomes than a 0.85% fee paired with a 4.6% payout | Choosing the lowest rider fee without comparing net lifetime income; cost efficiency must be measured by outcome, not by fee level in isolation |
| Joint-Life Provisions | How the income guarantee extends to a surviving spouse; either through a joint-life payout factor (lower initial income, continues at same or reduced level after first death) or spousal continuation (survivor steps into the contract) | Compare the actual joint-life payout factor against the single-life payout; evaluate what continuation percentage applies after the first death; confirm whether the surviving spouse can continue or must re-elect | Selecting a single-life payout to maximize income without accounting for the financial impact on a surviving spouse who may live another 20 to 30 years |
| Liquidity During and After Surrender | How much capital can be accessed without penalty during the surrender period and how excess withdrawals interact with the income guarantee | Confirm the annual penalty-free withdrawal percentage; evaluate whether excess withdrawals reduce the income base proportionally or impair the guarantee in a more significant way; review nursing home, terminal illness, and RMD waiver provisions | Underestimating the cost of taking excess withdrawals after income has started; in many riders, withdrawals above the guaranteed amount reduce the benefit base and permanently impair future income |
The GLWB Mechanics Every Income Buyer Needs to Understand
A Guaranteed Lifetime Withdrawal Benefit rider attached to a fixed indexed annuity creates a parallel tracking system inside the contract. The first track is the accumulation account value — the actual dollar value of your contract, reflecting your premium plus indexed interest credits minus fees and any withdrawals. This is the amount you would receive if you surrendered the contract, subject to any applicable surrender charges. The second track is the income benefit base — a separate value used only to calculate guaranteed lifetime withdrawals. The income base does not represent a lump sum you can access. It is a calculation engine.
During the deferral period before income begins, the income base typically grows by a roll-up rate — commonly expressed as a simple or compound annual percentage guaranteed by the contract regardless of index performance. Some contracts use a 6% or 7% simple interest roll-up, while others use 8% or higher, and a handful of products in today’s market layer index performance credits on top of a guaranteed minimum. The roll-up continues until you elect to begin income or reach the maximum deferral period defined in the contract, whichever comes first. When income is activated, the carrier multiplies the accumulated income base by the age-based payout factor — and that annual payment is guaranteed for life, continuing even after the accumulation account value reaches zero due to ongoing withdrawals and rider fee deductions.
The income rider fee — typically ranging from 0.90% to 1.25% of the income base or account value annually, depending on the carrier and product — is deducted from the accumulation account value each year, not from the income base. This means the fee reduces the cash surrender value over time but does not directly reduce your guaranteed income percentage. As covered in depth through the mechanics of income rider fees, evaluating “best” requires looking at net outcome: what lifetime income do you receive relative to the fee paid over the deferral and income period? A slightly higher rider fee can be fully justified if the payout factor is meaningfully stronger. A lower-fee rider with weak payout percentages may leave income on the table for decades.
Carriers and Products That Compete at the Top of the Income FIA Market
The income FIA market is competitive, and the leaders are not static — product designs change as interest rate environments shift, hedging costs evolve, and carriers update rider terms to remain competitive. What does remain consistent is that the same group of carriers tends to compete at the top of income comparisons across different rate environments, because their product design philosophy, financial strength, and pricing discipline are structural advantages rather than one-cycle positioning.
Athene Annuity and Life, rated A+ by AM Best, is one of the most widely used carriers for income-focused FIAs. The Athene Ascent Pro 10 pairs a premium bonus with an optional GLWB rider that has been consistently competitive on payout factors for buyers planning 5 to 10 years of deferral. A full review of the Athene Ascent Pro 10 covers the crediting strategies, rider mechanics, and income projection scenarios in detail.
American Equity, now backed by Brookfield Asset Management following their 2024 acquisition, has built its reputation specifically around income-focused FIA design. The IncomeShield 10 offers a guaranteed 8% simple interest growth on the income account value for up to 10 years, making it a strong candidate for buyers with a longer deferral window. The American Equity IncomeShield 10 review details how the income benefit structure compares against competing products at different activation ages.
Midland National has a consistently competitive income rider lineup across multiple products. The MNL Income Planning Annuity stands out for its combination of guaranteed lifetime income growth and built-in long-term care enhancement features, making it relevant for buyers who want income and care coverage from a single contract. The Midland National MNL Income Planning Annuity review covers the dual-benefit structure and how it performs across different income start ages.
North American Company, a Sammons Financial subsidiary, has maintained a consistent presence in the income FIA comparison landscape. The PrimePath Pro 10 includes guaranteed lifetime income with enhanced long-term care benefits and multiple index crediting strategies. The North American PrimePath Pro 10 review covers the full product design including surrender schedule, free withdrawal provisions, and income rider mechanics.
Delaware Life’s DualTrack Income annuity takes a differentiated approach by combining a guaranteed 9% roll-up rate with a performance-based enhancement that can increase the income base above the guaranteed floor in strong crediting years. For buyers who want the downside protection of a guaranteed roll-up with the possibility of higher income when markets perform, the Delaware Life DualTrack Income review explains how the dual-track system works and when it produces the strongest outcomes.
Aspida’s Synergy Choice Income annuity has attracted attention for its combination of a substantial upfront premium bonus, a 10% roll-up rate, and enhanced income multipliers. For buyers who prioritize maximizing the income base from day one, the Synergy Choice Income Annuity review covers how the bonus and roll-up interact and what the realistic income projections look like at different activation ages.
Protective’s Income Builder annuity offers a guaranteed 10% annual roll-up and flexible payout options designed specifically for buyers approaching or entering retirement who need income security alongside long-term growth. The Protective Income Builder review details the product’s income design and how it compares against similar offerings at the same premium and deferral period.
Roll-Up Rate vs. Payout Factor — Why Most Buyers Focus on the Wrong Number
The roll-up rate gets most of the attention in FIA income marketing because it is a single, easy-to-compare number. A product offering an 8% roll-up sounds better than one offering 6%, and that instinct is understandable. But the roll-up rate alone tells you almost nothing about the actual income you will receive, because the income is not determined by the roll-up rate. It is determined by the income base at activation multiplied by the payout factor at your age — and the payout factor is where meaningful differences between contracts actually live.
Consider a straightforward example using consistent assumptions. Two products accept the same premium with the same 10-year deferral period. Product A offers an 8% simple interest roll-up with a payout factor of 4.6% at age 70. Product B offers a 6.5% simple interest roll-up with a payout factor of 5.4% at age 70. After 10 years of deferral, Product A’s income base has grown by 80% of premium while Product B’s has grown by 65% of premium — giving Product A a larger income base at activation. But Product B’s stronger payout factor may more than offset that difference. The only way to know which produces higher lifetime income is to run both illustrations to the actual annual income number at the planned activation age, then compare. This is precisely the analysis that the roll-up vs. payout rate framework walks through systematically.
The payout factor also increases each year income is deferred past the minimum deferral period. Many carriers publish age-based payout factor tables showing the percentage available at each age from 55 through 80 or beyond. A buyer who defers income from age 62 to age 67 rather than activating immediately will typically find a meaningfully higher payout factor at 67 — which, combined with five more years of roll-up, can produce a substantially different annual income outcome. Running the comparison at multiple potential activation ages, rather than a single assumed date, is part of optimizing the income decision. After running projections with the calculator above, compare results against the broader context of guaranteed income from annuities and how annuity payout choices impact retirement income across different deferral scenarios.
Spousal and Joint-Life Income Decisions
For married buyers, the structure of joint income is one of the most consequential decisions in the entire FIA evaluation process — and one of the most frequently underexplored. A single-life payout produces the highest initial income but provides no continuation guarantee to a surviving spouse. A joint-life payout is calculated at a lower percentage to account for the extended coverage period, but it guarantees that income continues to the survivor at the same or a defined reduced level after the first death. The difference between these structures can define whether a surviving spouse maintains their standard of living or faces a material income shortfall late in retirement.
The mechanics of how joint coverage is structured vary by carrier. Some products use a single joint-life payout factor that applies a uniform reduction to the income percentage in exchange for lifetime coverage on both lives. Others use a spousal continuation provision where the survivor steps into the original contract on the same terms rather than receiving a reduced ongoing payment. Understanding spousal continuation versus joint lifetime income annuity options is essential for evaluating which design best protects the household across two lifetimes. The income difference between single-life and joint-life at the same age can range from 0.3% to 0.7% of the income base annually depending on the carrier and the age gap between spouses — a difference that compounds significantly over a 20- to 30-year retirement horizon.
Some buyers choose to optimize single-life income and use a separate life insurance policy to protect the surviving spouse’s financial security — a strategy known as income maximization with life insurance legacy replacement. This approach can produce higher total household income during both lifetimes while providing a tax-free death benefit to the survivor, but it requires both partners to be insurable and the life insurance premium to be factored into the net income comparison. The right structure depends on health, age, premium budget, and income priorities rather than a universal preference for one approach.
Inflation Considerations in Income FIA Decisions
Level income payments — where the annual withdrawal amount is fixed at activation and does not increase — offer the highest starting income but lose purchasing power over time if inflation persists. At a sustained 3% annual inflation rate, a fixed payment loses approximately half its real purchasing power over 24 years. For a retiree activating income at age 65 and living to 89, that erosion is substantial and can create a real standard-of-living problem in the years when health costs are rising and alternative income sources are most constrained.
Some income FIA designs address this through cost-of-living adjustment features that increase the annual withdrawal by a fixed percentage or a rate tied to an index each year. Understanding what COLA on an annuity means in contractual terms — including whether it is guaranteed or discretionary, how it is calculated, and what the starting income trade-off is — determines whether the feature is worth accepting lower initial income in exchange for future purchasing power protection. A COLA rider typically reduces the starting payment by enough that the break-even point — the age at which cumulative income from the COLA design surpasses cumulative income from the level design — falls somewhere in the later retirement years. Buyers who expect to live well into their 80s or 90s benefit most from the inflation protection; buyers with shorter life expectancies or other inflation-sensitive assets may prefer the higher initial payment.
A portfolio approach to managing inflation alongside annuity income often produces better overall outcomes than relying on the annuity alone to provide both income stability and purchasing power growth. The annuity provides the guaranteed income floor — the amount that covers non-discretionary expenses regardless of market conditions — while equities and other growth assets in the broader portfolio provide the inflation-sensitive layer that grows the overall spending capacity over time.
Liquidity Rules and Excess Withdrawal Risk
Income FIAs are long-term commitments, and understanding what happens when you need access to capital beyond the guaranteed income amount is as important as understanding the income itself. Most fixed indexed annuities allow penalty-free withdrawals of up to 10% of the contract value annually during the surrender period without triggering surrender charges. This provision gives policyholders meaningful access in most years, but accessing the full penalty-free amount consistently can deplete the accumulation account value faster than indexed credits replenish it — accelerating the point at which the account value reaches zero and the carrier assumes the full income obligation.
The more critical liquidity concern involves excess withdrawals — amounts taken above the rider’s defined annual income payment after income has been activated. In most GLWB designs, excess withdrawals reduce the income benefit base proportionally or in some cases more severely, permanently impairing the lifetime income guarantee. A policyholder who receives $12,000 per year in guaranteed income but withdraws $20,000 in a year of unexpected need may find that the income base — and therefore the guaranteed annual payment going forward — is reduced by more than the $8,000 excess. Reading the excess withdrawal provisions in the specific contract illustration before purchase is one of the most important due diligence steps in the income FIA evaluation.
Many income FIAs also include waiver provisions that allow full or partial access to the contract value without surrender charges in defined circumstances — nursing home confinement, terminal illness diagnosis, or certain disability conditions. These waivers vary significantly by carrier and state, and confirming their specific terms is important for buyers who want liquidity protection against health-related contingencies during the surrender period. The interaction between income rider guarantees, waiver provisions, and long-term care event access also determines how well an FIA complements a broader care planning strategy. Carriers like Midland National and North American have built long-term care enhancement features directly into some income rider designs, creating a dual-benefit structure worth evaluating for buyers who have unmet care planning needs alongside income goals.
Legacy and Death Benefit Considerations
Income optimization and legacy protection are often presented as competing priorities, but the best income FIA comparison evaluates both simultaneously. Under most GLWB designs, the death benefit available to beneficiaries is the accumulation account value at the time of death — which declines over time as income withdrawals and rider fees reduce it. If the insured lives long enough for the account value to reach zero, the carrier continues income payments but there is typically no remaining death benefit at that point.
Some carriers offer enhanced death benefit features alongside income riders that provide a minimum guaranteed death benefit above the account value — protecting a defined amount for heirs regardless of how long income has been paid out. Others allow the beneficiary to receive any remaining account value as a lump sum or continue payments under a defined period-certain structure. Evaluating how GLWB riders interact with annuity beneficiary death benefits is important for buyers who want to balance maximizing lifetime income with preserving something for the next generation. Understanding how indexed annuities behave in down markets also clarifies how market volatility affects the accumulation account value relative to the income base and what beneficiaries can realistically expect at different points in the contract’s life.
How to Run a Meaningful FIA Income Comparison
A meaningful FIA income comparison requires consistent assumptions, the same premium, and the same income start age applied to every product being evaluated. Marketing materials rarely provide this — they use scenarios designed to showcase each product’s strength rather than a level playing field. Running a true side-by-side comparison requires access to carrier illustration systems, the ability to input identical assumptions across multiple carriers, and the analytical framework to interpret the results correctly.
The comparison should evaluate guaranteed income at the planned activation age, not projected income. Projected income scenarios often incorporate index crediting assumptions that may or may not materialize. The only number that represents a contractual commitment is the guaranteed income based on the roll-up rate and payout factor in the contract — every other figure is illustrative. After identifying the guaranteed income leader at the specific age and deferral period being evaluated, the comparison should then verify rider fee impact on accumulation value, joint-life payout if applicable, liquidity provisions, and carrier financial strength.
Carrier financial strength ratings from AM Best provide a baseline confidence that the income guarantee will be honored over a 20- to 30-year income period. Carriers rated A or better by AM Best are generally considered adequate for long-duration income commitments. Spreading large income annuity allocations across two or more financially strong carriers also reduces concentration risk in any single carrier’s claims-paying ability. The bonus annuity comparison framework extends this evaluation to products where an upfront premium enhancement plays a role in the income base, and the broader context of how different annuity structures compare for guaranteed retirement income helps position income FIAs alongside SPIAs and DIAs when evaluating which product type fits the specific planning objective.
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FAQs: Best Fixed Indexed Annuities for Income
What makes one income FIA better than another?
The single most important differentiator is the actual annual income produced at your specific planned activation age — not the roll-up rate, not the bonus percentage, not the number of index strategies. Two products with identical premiums and identical deferral periods can produce dramatically different lifetime income depending on their payout factor at your target age and how the income base grew during deferral. A carrier offering an 8% roll-up with a 4.5% payout factor at age 70 may produce less income than a carrier offering a 6.5% roll-up with a 5.3% payout factor at the same age. The only reliable comparison runs both products to the guaranteed annual income number using consistent assumptions, then evaluates rider fees, joint-life provisions, and liquidity terms as secondary filters. Marketing language about roll-up rates and bonus percentages is a starting point, not a conclusion.
What is the difference between the income base and the account value in an FIA?
The account value is the actual dollar value of your annuity contract — it reflects your premium plus indexed interest credits, minus fees and withdrawals, and represents what you would receive if you surrendered the contract, subject to surrender charges. The income base is a completely separate calculation value that exists only to determine how much guaranteed lifetime income you can receive. It is not a lump sum you can access. During the deferral period, the income base grows by the roll-up rate or other crediting mechanism defined in the rider. When income begins, the carrier multiplies the income base by your age-based payout factor to determine your guaranteed annual withdrawal. After income starts, the account value continues to decline as withdrawals and rider fees reduce it, but the guaranteed income payment continues for life — even after the account value reaches zero — because the carrier is contractually committed to the payout based on the income base at activation, not the current account value.
How do income rider fees affect my guaranteed income?
Income rider fees — typically ranging from 0.90% to 1.25% of the income base or account value annually — are deducted from the accumulation account value, not from the guaranteed income payment or the income base itself. This means the fee reduces your cash surrender value over time but does not directly reduce your guaranteed income percentage. However, the fee does accelerate the depletion of the account value, which means there is less remaining account value available to beneficiaries as the contract ages. The correct way to evaluate a rider fee is in the context of the income it produces: a higher fee paired with a meaningfully stronger payout factor may produce better net outcomes over a 20- or 25-year income period than a lower fee paired with a weaker payout. The fee should never be evaluated in isolation — it must be measured against the income improvement it delivers.
Should I choose single-life or joint-life income if I am married?
This is one of the most consequential decisions in the income FIA evaluation process, and the right answer depends on the household’s overall financial structure rather than a universal preference. A single-life payout maximizes income during the primary annuitant’s lifetime but provides no continuation guarantee to the surviving spouse. A joint-life payout is lower initially — typically by a range of 0.3% to 0.7% of the income base depending on carrier and age gap — but guarantees that income continues to the survivor, often at the same level or a defined reduced percentage, for as long as the survivor lives. For couples where one spouse has limited independent retirement income, joint-life protection is often the more prudent choice even at the cost of lower initial income. For couples with substantial independent income sources for both spouses, the income maximization approach with a separate life insurance policy for legacy protection may produce higher total household income while still providing for the survivor.
What happens if I take more than my guaranteed income amount in a given year?
Excess withdrawals — amounts taken above the guaranteed annual income amount defined by the rider — typically reduce the income benefit base, either proportionally to the excess amount or in some rider designs more significantly. The specific mechanics vary by carrier and contract, but the consistent principle is that taking more than the guaranteed amount can permanently impair the lifetime income guarantee going forward. In some designs, a single excess withdrawal early in the income period can reduce the guaranteed annual payment for the remainder of the insured’s life. This is why it is critical to review the excess withdrawal provisions in the contract illustration before purchasing and to ensure that the annual guaranteed income amount is sufficient for expected living expenses without requiring excess withdrawals for routine needs. Maintaining liquid assets outside the annuity for unexpected expenses protects the income guarantee from being impaired by emergency cash needs.
How long should I defer income to maximize my guaranteed payout?
Deferring income longer generally increases the guaranteed annual withdrawal in two ways: the income base continues to grow by the roll-up rate, and the age-based payout factor increases with each year of deferral. Most carriers publish payout factor tables showing the percentage available at each age, and the increase from one year to the next can be meaningful — sometimes 0.1% to 0.3% of the income base per year of additional deferral. However, longer deferral also means more years without receiving income, so the optimal deferral period balances the higher payment available at a later age against the number of payment years remaining to make up the difference. The break-even analysis — how many years of income at the higher rate it takes to offset the payments foregone by waiting — is a straightforward calculation that should be run at two or three potential activation ages to identify the optimal income start date for your specific situation and life expectancy.
What happens to my annuity’s death benefit after income starts?
Under most GLWB designs, the death benefit available to beneficiaries after income starts is the remaining accumulation account value at the time of death. This value declines over time as income withdrawals and annual rider fees reduce it. If the insured lives long enough for the account value to reach zero — a likely outcome in a long retirement with significant income withdrawals — the carrier continues income payments under the guarantee but there is typically no remaining death benefit. Some carriers offer enhanced death benefit features alongside income riders that guarantee a minimum amount to beneficiaries regardless of account value depletion. Others allow beneficiaries to receive any remaining account value as a lump sum or elect a period-certain continuation. For buyers who want to balance lifetime income with legacy protection, comparing how specific carriers handle the death benefit interaction with the income rider — and considering whether a separate life insurance policy better serves the legacy objective — is an important part of the evaluation process.
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.
Browse More Resources: Return to our complete Fixed Indexed Annuity Products & Education guide — covering FIA products and education from top carriers.
Last Reviewed: June 20, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc. | NPN: 14374308 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
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