Retire with confidence
We investigate hundreds of annuities from top-rated insurance companies to find the best retirement annuity for you. Whether you want more income or growth without the risk of losses so you can retire with confidence, we can help.

We investigate annuities, so you can retire with confidence
We are independent investigators that investigate only top retirement annuities























Hear from our clients
Rated Excellent
Rated 4.9 | Based on 412 Trustpilot reviews


Great service,very friendly and knows
Great service,very friendly and knows what he is talking about
- Jeffrey



Rocky was be informative and very
Rocky was be informative and very patient with my questions. He answered to my understanding and help me comprehend how annuities work. He called to check on me several times to follow-up if I had any questions. He’s been great throughout the whole process. I would recommend Rocky to anyone that was getting close to retirement and wanted to check out an annuity.
- Diane



David provided/explained the details
David provided/explained the details of my potential investment. He also kept our schedule promptly. Appreciate your help, David.
- Vannak



Honest friendly advice
Very knowledgeable. Good professional advice.
- Mark



Annuity performance analysis augmented by IRA alternatives
Appreciated the in-depth review we received and especially the detailed data analysis and summary of our path forward thru retirement.
- atlPeter



The advisor you put me in touch with
The advisor you put me in touch with (Barb Halperin) was very knowledgeable and helpful. She answered all of my questions and offered me three attractive options. Unfortunately, due to restrictions on my existing 403(b) plan that prevent me from moving money out of it while I am still actively working, I am unable to take advantage of the annuity options she offered until I actually retire or leave my job. I definitely plan to reconnect with her when that happens.
- Paula



Very knowledgeable and solid advice
Very knowledgeable and solid advice. Great to work with. Very helpful.
- Karl



The have given prompt attention to my
The have given prompt attention to my questions.
- Dana



Very professional and very informative
Very professional and very informative
- Bob



Russ was great
Russ was great. Very knowledgeable and nice guy!
- Karen



Larry has been very informative
Larry has been very informative
- C



Adam Grubius did a good job of
Adam Grubius did a good job of explaining how various annuities could help me lock in some of the market gains in my rollover IRA. Thanks, Ed Walton
- Edward



Great job explaining the various
Great job explaining the various products and services in an agnostic format. I learned a lot about annuities and most of my confusion was mitigated. Thanks!
- JohnC



Jason Solomon is very informed and
Jason Solomon is very informed and professional, he helped me through the entire application process with great expertise. His level of communication was great. I will highly recommend him to my friends. Thank you so much Jason.
- Art



The best information on annuities out
The best information on annuities out there
- Rocky



The Best Decision I ever made.
I had been searching internet for information on annuities and working with two other advisors. When Annuity Gator contacted me, I knew almost immediately I was on to something. He listened to my circumstances, asked a lot of questions and even reviewed the other suggestions I received. He just knew what I needed, explained very thoughtfully and thoroughly. And I do not have a great deal to invest. But Annuity Gator’s Advisor knew just how to help me retire at 65 and provide for my disabled Son. I am so thankful to my Advisor and Annuity Gator! I never thought it was possible. Thoroughly professional and more helpful than anyone!! Great decision!
- Belle



Not needed but very welcomed advise…
I have been following Annuity Gator now for several years so by the time I was ready to discuss annuity’s with a broker I felt very comfortable understanding the different types of annuities available in the marketplace. What I really liked was the broker that was introduced to me through AG. As he evaluated my current financial scenario he actually realized I did not need an annuity. I decided to get a small one just as protection in the future of some of my retirement funds. The whole process has been very professional. Thanks AG!
- Dave



The advice that I received from Joshua
The advice that I received from Joshua Schlinsky was much appreciated. Rather than pushing advice which would result in an annuity sale for him, he counseled me to stick with the annuity product that I was already in. He also provided me with a book that he has written that contains some great overall investment advice.
- Robert



Ryan McNeil was truly a sincere and
Ryan McNeil was truly a sincere and professional gentleman. He did not pressure me into making any decisions and explained all the different types of annuities that are available with great precision and patience. I am very thankful for the education that he provided to me with all the options that I have to choose from. I am looking forward to continue to work with him.
- David



I was listened to rather than lectured
I was listened to rather than lectured to.!
- Alan



William is a trustworthy guy
William is a trustworthy guy, taking a lot of time explaining to me the ins and outs of the product we chose. He sifted through several annuities to arrive at the perfect fit. I never felt pushed or “sold”, and the transaction was smooth and quick.
- Brigitte



Barbara Halperin was great to work with from Annuity Gator.
I worked with Barbara Halperin. She is a very experience advisor on annuities/insurance products and provided me with best options to reach my goals. All options were presented to me in a very comprehensive and professional manner. I never felt rushed to make decision. I would definitely recommend annuity gator and particular Barbara.
- David



Scott Stooksbury, Annuity Research Specialist & Advisor.
Choosing a financial adviser is one of the most important decisions you can make for yourself; it is why I would recommend Scott Stooksbury to anyone who needs financial advice and want to buy financial product tailored to your needs. He is a good listener, takes the time to get to know you, and answered your questions. He provides a comprehensive current market analyses with detailed list of Carriers and their products. Scott is trustworthy and honest. He is always prompt to respond over email and phone calls. Every meeting with him has been productive and pleasant. His professionalism and empathy make him a top financial advisor. I am glad we have chosen to work with Scott Stooksbury.
- FL



Great site
Great site, I learned a lot and follow up was great .
- Steve



Toney listened to what my goals were
Toney listened to what my goals were and then did the research to find products to meet those goals. Plan came together perfectly.
- Michael



The Spark – that lead to an Annuity Purchase
I am writing this reference to recommend Sean Sparkman, who facilitated the purchase of an annuity for us. Throughout our interactions, Sean exhibited exceptional professionalism, knowledge, patience, and dedication to customer service. Here are some key points about Sean – Expertise: Sean possesses an in-depth understanding of annuities, investment vehicles, and retirement planning. His guidance was invaluable in helping us make an informed decision, creating a retirement roadmap. Personalized Approach: Sean took the time to understand our financial goals, risk tolerance, and long-term objectives. He tailored his recommendations accordingly, ensuring the annuity aligned with our needs. Transparency: We appreciated his transparency throughout the process. He provided clear explanations, answered all our questions, and ensured we felt confident in our investment choice. Timeliness: The entire annuity purchase process was efficient, thanks to prompt communication and attention to detail. We are pleased with the annuity product recommended and have full confidence in Sean s abilities. We wholeheartedly endorse Sean Sparkman as a reliable and knowledgeable financial professional. Should you require further information or wish to discuss our experience in more detail, please feel free to reach out. All the best, Michael and Colleen Florida
- SuunyNorth



Best Advice Given Hands Down
Our representative is very knowledgeable and professional as well as patient . Able to make complex issues very understandable.
- Peter



Purchase of Annuaity
Thus far, all is going very well and all questions have been answered.
- Wallace



I learned a lot about Annuity
I learned a lot about Annuity. Very informative. Thanks
- Anita



Very personable and knowledgeable advisor
Excellent service. Appreciated the seminar by Terry. Have received excellent service, responsiveness, knowledgeable and very personable advisor, Barbara Halperin. She is great. Have already recommended her to others. Thank you, Barbara!
- Janice



Seemed very impersonal and intrusive
Seemed very impersonal and intrusive
- Dilipkumar



Most excellent information….Love
Most excellent information….Love Annuity Gator…. “Paige” is a great teacher!
- Danny



Awesome and very informative!
Awesome and very informative!
- Suzanne



I was so fortunate to have had Scott
I was so fortunate to have had Scott Plamondon take me as his client. He is so knowledgeable and experienced in all aspects of financial planning not just annuities. He has guided me through an extremely tough situation for which I am eternally grateful.
- Patricia



Bill is fantastic
Bill is fantastic. Patient, informed, and experienced. This is a zero pressure, educational process. Very impressive organization.
- James



Excellent Service from Donna.
Donna was there with me every step of the way. She was very thorough about all the products and services available. She made me feel like I made good choices and know she will always be there for information and support.
- Paul



Ryan was so honest and clear in
Ryan was so honest and clear in explaining everything. He knows what he is doing and guided me to where I want and need to be. He was GREAT. I felt like he was a long time friend helping me out. I am going to recommend him to my friends and family. He was so patient and understood my poor knowledge about the terms language in this world. He made it so easy to understand this retirement world.
- Mercedes



Joshua Schlinsky
I am delighted to share a review of my recent experience with Joshua Schlinsky. Annuity Gator provided the contact with Joshua, and I am glad they did. Initially, he listened to understand my needs, wants, and fears. He took the time to educate me on the alternatives available in the field of annuities. He answered every question and never pushed for a sale. We met several times by phone and Zoom meetings, and he walked us through a process that resulted in a slightly different approach than we started out with. I would recommend Joshua without any reservation. Thank you, Joshua.
- Steve



Consolation
Very friendly and informative
- Andre



I received much good information to
I received much good information to think about during our conversations.
- Robert



The person I am in contact with is on
The person I am in contact with is on target for everything. He keeps me informed, answers any of my questions fluently. He doesn’t treat me like any questions are foolish or not necessary. He helps me with communication if needed on the computer. His name is Michael.
- Angelyn



Awesome company
Awesome company. Great experience.
- Fay



Go Gators!
It was my motto in college. And coincidentally I can still confidently use it in describing my interaction with Annuiy Gator’s Barbara Halperin! I found her to be an amazing advisor encompassing many superlatives. Super knowledgeable. Highly professional. No high pressure tactics. Concerned and individualized attention.In comparison to other financial meetings and dealings, my interaction with Barbara is right up there at the top of the list. I’m deeply grateful for being able to call on such a valuable resource.
- Larry



If you are a novice invester or new to retirement – this is for you
I retired rather sudden in Jan 2024 with no planning or education of retirement finances other than you are not as agressive in retirement. I reached out to a number of people on the internet and this one guy- Sean Sparkman has been outstanding. I have been moving slowly because I have to know and understand the issues. He has shown great patience with me. We have talked weekly for most of 5 months and we have started working the plan.He has never hurryed me or tried to move me ahaed till I was ready. Most other folks gave me a call or two and if I was not ready to sign something, they moved on. He has helped educate me and answers my questionss and just does not tell me what I want to hear. I never belieced I would deal with someone over the internet instead of local, but here I am eating those words =that is how happy and satisfied I am with Sean. This is a top reccommendation to try and get with him. He will help you get to where you WANT to be and in YOUR timing. This guy is not looking for some quick sales commision and run. You will be very glad if you seek him out.
- Stephen



Best Advice Given Hands Down
Our representative is very knowledgeable and professional as well as patient . Able to make complex issues very understandable.
- Peter



I’m so thankful I met Jason Siebert
Due to the current economic climate, my IRA had lost more than $100,000. I needed to stop the bleed. I was interested in Annuities because i heard you never lose money. I started to research different companies and that is when i Met Jason Siebert with Annuity Gator. I explained i was new to the world of annuities. Instead of being pushy like another annuity salesman i ran into, Jason took his time over the course of six weeks to educate me. What a treasure. I entrusted my entire retirement savings to Jason and he was able to replace the amount I had lost in the market. Thank you Jason for the ease of mind.
- PETER



Annuity Gator STAR
Sean is a wonderful young man who is a straight shooter. He is honest and clear, able to take the time to explain all that we needed. He teaches about different types of financial plans, and he actually follows up, by calls, emails and texts! Thank you!!
- George



Excellent summary and interactions to
Excellent summary and interactions to date.
- Robert



Honest friendly advice
Very knowledgeable. Good professional advice.
- Mark



Outstanding
Outstanding Knowledgeable No hard sales Comprehensive Personable
- Michael



I had a fantastic phone discussion with
I had a fantastic phone discussion with John. He provided me with a great understanding of how annuities work.
- Catherine



Great service.
Barry was very helpful and responsive.
- Ken



Jeff help me a lot and guide me to
Jeff help me a lot and guide me to choose the right annuity plan based of my current status and for my future retirement income.
- Physical



8/28/2020. MARK KENNY
8/28/2020. Annuity Gator provided me a place where I could go to get the answers I needed. Mark Kenny who is a licensed Annuity advisor & part of their research team was quick to help me who truly dedicated his time & effort to give me a broad understanding about my annuity. He is extremely knowledgeable & very professional. I highly recommend MARK KENNY to anyone seeking how annuities work & what to expect thru understanding yours.
- SUSAN



Knowledge is Power!
Robert was very professional and patient with me as he took time to answer all my questions. I didn’t feel any pressure just enlightened. It was educational and he provided me with information to make the decisions needed for my financial future. He was knowledgeable of the various ways to grow my financial nest egg utilizing annuities that have a built in guarantee as well as pointers of how to protect it as much as possible from unnecessary taxes all of which is important so that I don’t out live my money.
- Linda



I was very happy with my experience
I was very happy with my experience with annuity gator, Mark the representative I worked with was patient and just let me work through the process and answered every question, and was always available via a phone call or email to answer any questions that I had, I might add that he was prompt with his responses, even after my purchase he still continues to respond in the same manner. Great job Mark I continue to be impressed.
- Terry



Brett Toomey is an AWESOME financial
Brett Toomey is an AWESOME financial agent~~ I’ve purchased my indexed pre-tax dollars annuity thru him and he was patient, pleasant, informative, knowledgeable, thorough, efficient and reassuring! Now I’m getting ready to purchase my after-tax dollars indexed annuity thru Brett and looking forward to the experience … AND the peace of mind that comes with knowing I’ve been given excellent advice that assures me a steady yet available income in my elder years due to Brett Toomey & Annuity Gator!!
- Connie



I would like to let everyone know that
I would like to let everyone know that Sean Beckerman is the BEST!!!!! He is very knowledgeable and willing to explain what can be complicated in a way that I was able to understand. I have recommended Annuity Gator and Sean specifically to everyone I have spoken to regarding retirement. I am confident that Sean has created a plan specific to me based on the time he took to get to know me and help me fine tune my retirement goals. SEAN IS THE BEST!!!!!
- Jody



Feeling secure about my future
I opened My account with Joshua because when I met him, I felt very comfortable. He is very informative and explains everything. He takes his time and answers all my questions ..and he is just a phone call away. I like the fact that he is a family man because he treats all his clients as part of his family. I know he is doing the right thing for me ..I trust his decisions.
- Vivian



Training is very good
Training is very good, but you have to put the time in.
- Phillip



Very Honest
Jason made everything make sense and way easier to understand.
- Juan



Great experience working with Tim Walker!
Tim Walker was great to work with! He met with me several times to thoroughly understand my retirement goals and risks I was willing to take. Then he came with back with a few options for me. He took the time to review them in detail and answered all of my questions. Then once I decided what I wanted he got me set-up. Overall it was a great experience working with Tim!
- Ruth



Wade Menzies is wonderful
Wade Menzies is wonderful. He explains everything thoroughly and is not pushy. He is a joy to work with him
- Sharon



Financial advisors, investment counselors, et al. and the problem of listening
Mr. Driggers’s strongest positive trait was his desire to please the client. He seemed very motivated to do that. He also seemed knowledgeable about the topic and the products available so he could offer good choices of products. Overall, I thought he did a very good job. I might attempt one constructive general comment that goes beyond Mr. Driggers. Personally, in my 74 years of life, I have never encountered an investment advisor, financial counselor, insurance salesperson et al. who listened to the client – except for one. They all talk a lot, often very amiably, but never really listened to me. This one individual who did listen sold insurance, and he was indeed unique. When he meant with us, the first thing he said was something like, “How are you doing? Tell me about yourself and your family. What are you thinking about? What are your needs and concerns? Why are you thinking about buying this product? And then he would listen and listen, taking a few notes, asking follow-up questions that, in retrospect were quite relevant to the business at hand. We ended up buying a large insurance policy from him, and remaining loyal to him until he retired. He apparently was quite successful as we received notices of the rewards and promotions he received. I am not a financial advisor. I don’t know much about it. But as a client, it makes sense to me that listening, asking appropriate questions, and trying to understand the clients needs, concerns, biases, feelings, and so on would be very important. Mr. Driggers did a fine job. If these comments are communicated to him, I hope he will not be offended but take them as an attempt at constructive ideas from a satisfied client.
- John



Excellent annuity service
Excellent support and service. I would highly recommend to anyone that needs an annuity.
- Mary



Mike explained very detailed and thank
Mike explained very detailed and thank you
- Venna



Marcus is the best.
I was working with Marcus. He is great at listening to your particular situation, since all potential clients requirements are not the same. He was informative, not pushy, educational, not aggressive. Just the type of representative in which I want to do business. Work with Marcus, you will be happy you did.
- Barry



Hello
Hello, Sean Sparkman was Honest, hardworking and diligent. in my search for an agent for annuities he is a lucky find.
- Kyster



My sincere thanks and appreciation to Joshua Schlinsky.
My sincere thanks and appreciation to Joshua Schlinsky for his patience and understanding as I made changes from my original request in purchasing an annuity. There was absolutely no rush by Josh for me to sign anything until we both knew exactly what I wanted to accomplish. He offered to send me his book, Wealth Compounded, so I would understand who I was putting my trust in. (I admit I was apprehensive in dealing with an Agent in Florida – several states from my residence in Missouri.) We talked on the phone several times. My initial plans drastically changed a few times as I mulled over my investments between our conversations. My final and most important decision was to opt out of my funds invested in the stock market by purchasing a Single Premium Deferred Fixed Annuity – no more worries about the stock market plummeting to 50%. Now my funds will grow with interest added each year, it will only decrease if I withdraw funds. The process was not totally hiccup free as my Stock Brokerage Company had requirements which caused me concern and I leaned heavily on Joshua during those times. I am very comfortable now with my final choice and my Agent, Joshua Schlinsky, who carried me through the entire process.
- Dixie



Very informative and educational
Very informative and educational! Mike Kasich was very thorough explaining everything!! Just not ready to move forward at this time!
- Joanne



Annuity review
Explained very well.
- Prahad



Easy to understand
Easy to understand, plenty of common sense examples and no pressure tactics
- Saul



Joe who help me was very knowledgeable.
Joe who help me was very knowledgeable. He was able to answer all my questions. I didn’t make a purchase but when I am ready your company will be one of the first one I seek out.
- Timothy



David Driggers; Honest, Knowledgeable, Effective Representation
David Driggers, An agent with Annuity Gator has demonstrated through his performance to be very knowledgeable of the many aspects surrounding Annuities; He carefully determines ones’ goals, researches the most beneficial polices that meet those goals, honestly communicates the positive and negative features to consider, patiently explains and answers all questions and generally works fiduciarily in the interest of his client. One can definitely feel confident in his representation.
- Thomas



I want to express my heart felt gratitude
I want to express my heart felt gratitude for the assistance and guidance that our Annuity Advisor , Neil Dekter, provided my wife and I when converting our IRA in to our current Annuity. My wife and I had experienced a most un-fortunate event related to a portion of our retirement investments and, the company that held our investments made transferring funds challenging. Neil’s Courtesy, Professionalism and Patience helped not only to execute the transfer smoothly but, helped my wife and I keep our sanity through a trying time! Through Neil’s efforts, I rest easy knowing that my wife and I will receive a steady monthly lifetime income. I am sure there are many Annuity Advisors who are experts in the industry and, Neil is not only an expert in Annuities, he is an expert in people and truly cares for his clients! My wife and I feel deeply blessed to have met Neil and had the opportunity to work with him!
- Scott


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First, we gather basic information from you to understand your goals and determine if a certain retirement annuity is right for you.
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Last, you can retire with peace of mind and confidence knowing that you found the right retirement annuity that provides you the highest income and benefits.
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sales tactics, in-person meetings, or complicated insurance jargon.
We focus relentlessly on three areas:
Honest guidance
Best annuities
Personalization

Honest guidance
We give it to you straight. We don’t hide anything or avoid conversations about fees, commissions, or fine print. Our Licensed Annuity Investigators provide full transparency, answer all your questions, and give honest guidance so you can retire with confidence.
Best annuities
With our technology-driven approach, we can investigate hundreds of top annuities from multiple top-rated insurance companies. Our Licensed Annuity Investigators can help you understand your options and feel confident you have found the best retirement annuity for your situation to financially prepare for a comfortable and worry-free retirement.


Personalization
There is no one-size-fits-all annuity. The right annuity for your retirement depends on your goals, needs, and desired retirement outcome. Our Licensed Annuity Investigators can help you customize a strategy that helps you reach your desired outcome with minimal effort from you.

Need help finding the right annuity?
We have over 100 retirement annuities in our review database.
FAQs
What are annuities, and how do they work in retirement planning?
Annuities are financial products offered by an issuing insurance company that can help you convert your retirement savings into a guaranteed income stream. They are often used as part of retirement planning to ensure you have enough money to cover your expenses throughout retirement. Depending on the type of annuity—such as fixed annuities, variable annuities, or deferred income annuities—you can receive guaranteed lifetime income, tax-deferred growth, and protection from market declines. These products can be tailored to meet your investment objectives and provide regular payments, either immediately or in the future, based on your needs.
What is the difference between fixed and variable annuities, and can I lose money with them?
Fixed annuities provide a guaranteed rate of return and predictable payments, making them a safer option for those seeking stability. Variable annuities, on the other hand, offer underlying investment options tied to market performance, which means your account value may fluctuate. While fixed annuities protect your principal, variable annuities carry market risk, so it’s possible to lose money depending on how the investments perform. Both types may include additional features like a death benefit or a guaranteed lifetime withdrawal benefit for an extra fee.
How do taxes work with annuities, and what is tax deferral?
Annuities offer tax-deferred growth, meaning you don’t pay taxes on earnings until you withdraw them. When you take distributions, they are taxed as ordinary income rather than capital gains. This can help your retirement nest egg grow faster compared to taxable accounts. However, early withdrawals may incur surrender charges and additional penalties. It’s important to consult a licensed insurance agency or tax professional for personalized tax advice before making decisions about an annuity.
What should I consider when evaluating a retirement annuity?
When evaluating retirement annuities, consider reviewing unbiased reviews and analyses to understand the pros and cons of each product. Websites like AnnuityGator.com provide independent reviews to help you make informed decisions. Look at the financial strength of the issuing insurance company, such as York Life Insurance Company, as their claims-paying ability is crucial for honoring guarantees like guaranteed lifetime income. Also, evaluate the fees, investment options, and any additional features like cost-of-living adjustments that align with your retirement goals.
What happens to my annuity if I pass away?
Many retirement annuities include a death benefit that ensures any remaining contract value or specified funds are passed on to your beneficiaries. Some contracts also allow you to choose income options that continue payments to a spouse or heir after your death. The specifics vary depending on the type of annuity and the terms outlined by the issuing corporation. Be sure to review these details carefully when purchasing an annuity to ensure it aligns with your legacy planning goals.
See How Stephen Turned His 401(K) Into a Guaranteed Lifetime Income and Can Now Retire with Confidence