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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


Excellent information provided by
Excellent information provided by Barbara regarding a variety of annuities/fixed index annuities!!
- James



Constructive thoughts -guidance and
Constructive thoughts -guidance and clear practical advice opening a conversation that was of Great benefit
- O.



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



Brian Connor was a pleasure to work
Brian Connor was a pleasure to work with.
- Barry



Jason Siebert is the man period!
Jason Siebert is the man who you need when you consider retirement period! I m sure because I ve done my homework A year ago, when it became obvious to me that I would have to retire prematurely, I started my journey in search of retirement education and a financial advisor. I read many articles, I attended many retirement workshops, many webinars; I was meeting and conversing with many financial advisors local, throughout the country, in person, over the phone, virtually… My torment ended a couple months ago when I came across Jason Siebert with Annuity Gator. After he understood my financial needs, Jason revealed to me, using parallel comparisons, of what many brokers were offering, was without a doubt, not the best solution for my retirement goals. In just 2-3 virtual sessions with Jason, I learned more from him about annuities, retirement products, and my retirement options than I learned from others in a year. So, now I have the financial advisor. Thank you, Jason!
- Zmey



Great
Great, no sales pressure very informative.
- David



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



Helpful advice given
Helpful advice given, good information
- Wilson



Appreciate seeing the various fixed
Appreciate seeing the various fixed index annuity offerings ands their crediting methods. Prefer not to tie up my money for 7 years at this time. Will look at alternative products with a one year commitment.
- Suzanne



Keeping It Simple
My advisor explained the Annuity I was interested in simple terms. He was patient. I felt I was being educated.Have not made a decision yet after 4 conversations..but that’s ok..this is important to really understand before I lay my money down.
- Kate



Mark Newman: Takes the complex and make it simple
I worked with Mark Newman for the first time and he took the complexity and made it simple for me. Was able to answer my questions understand my needs and put together a solution that worked for me. I ll be working with him in the future on some additional investments as he was able to build trust quickly and great follow up as well.
- Erich



Thanks Joshua
It has been a pleasure working with Joshua. He was patient and thoughtful. he help me to understand all the type of annuities and help me pick the one that fit closest to what I wanted to accomplish. He was always on time for all of the zoom appointments that were set up. All the prelims are done and I am just waiting for my papers to be delivered. Thanks Joshua
- Charlie



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



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



Relationships Matter
I had contacted Annuity Gator to get a rating on an annuity product that I heard about from another financial company. Terry was completely familiar with that product along with another product to consider from the same underwriter. Terry spent as much time with me as I needed to completely understand each product, and I felt that he listened to my goals and concerns. Terry explained how Annuity Gator would provide assistance to me for multiple years over the term of my annuity, which made me feel like I was entering into a relationship with the company. Terry made me feel like a person instead of a prospect.
- Jane



Very professional and very little
Very professional and very little pressure.
- John



Why I chose annuity gator with Jason Siebert
I am not a novice purchasing annuities or researching internet companies . I own several MYGAs for different accounts and confidently chose them myself . However, I was pitched a complex fixed index annuity from a specific company by a suave financial advisor. I noticed many red flags throughout this advisor s lengthy presentation and knew I needed another unbiased opinion . I found annuity gator online and liked their business model of only using independent financial agents who represent hundreds of companies and were not captive agents . I was assigned to Jason Seibert . I asked Jason to scrutinize this annuity and tell me the good, the bad and the ugly . Jason willingly and skillfully analyzed the product and confirmed the red flags while judiciously pointing out more . I spent several sessions with Jason exploring annuity products best suited for me . Jason has that rare ability to simplify complex ideas , educate ,and provide structure while not judging a clients level of understanding or their reasons for preferring some products over others . Jason was committed to finding the highest annuity rates from highly rated companies using my criteria . He did not pressure me to make any decision about anything or to purchase if I did not want to . He made clear we could have as many discussions as I wanted which we did even if I chose not to purchase a product . When I finally chose my annuity product , we screen shared completing the application to make the process shorter and easier than if I did it myself. The application was delivered to the annuity company , reviewed, accepted and funded in a reasonable time frame without mistakes or missing data. That alone is huge . I knew immediately that Jason was the right agent for me and I chose the best product for me with his support . It s very difficult to search the internet for reputable companies and even rarer to find an agent with both analytical and interpersonal skills . I recommend Jason Siebert and Annuity Gator to provide safe , manageable and legitimate solutions for income in retirement or any phase of life
- Marilyn



Annuities and investment opprtunities
Jim was very professional and excellent in explaining investment opportunities to a novice such as myself. Very much appreciated.
- Elijah



I was extremely impressed
I was extremely impressed with the knowledge and expertise of my advisor. He made me feel confident and secure in allowing him to prepare a retirement plan to exactly suit my needs. He listened to all my concerns and offered excellent advice
- Patricia



Barbara Halperin is the BEST!
Barbara Halperin made my experience great with Annuity Gator! She is knowledgeable, understanding, patient and a true fiduciary. Which is very rare in the current investing climate. Twice Barbara lead me to great annuities with my best intentions at heart. I am very grateful as the proud owner of (2) annuities and my retirement is monstrously more secure than previously! I owe Barbara a tremendous gratitude and I now consider her a dear friend. Thank you again Barbara!
- Boyd



Working with Cal was fantastic
Working with Cal was fantastic. We did talk to other representatives from other companies and he was by far the best. He had a lot of patience with us. Never pushed us and provided all the information that we need, asked about our goals and was always there to answer any question we had.
- Ofer



Well researched and helpful information.
Well researched and helpful information.
- Billie



Jason is an excellent advisor
Jason is an excellent advisor. I had a lot of support when most needed.
- Efrain



William Seeley was excellent in keeping
William Seeley was excellent in keeping up with the progress of my annuity. We will use him again in the future!
- Steven



Marcos is excellent
Marcos is excellent. Very knowledgeable, and explains all products in simple terms. Answered all questions, explanations made simple.
- Len



Great service
Great service! Thank you
- Lana



Satisfied Customer Listened well and put me in touch with
Listened well and put me in touch with a great advisor who was able to meet my needs.
- Irene



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



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



Our advisor Jim Van Meter
Our advisor, Jim Van Meter, is awesome. No high pressure sales. Just common sense advise. He does his homework and gets back to you on a timely manner.
- George



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



Excellent
Excellent – Jerry was professional, friendly & very helpful!
- Jeff



Exceptional Advisor
Terry Ciotti was excellent in helping me understand how annuities work and explaining the policy terminology. He has a great demeanor and concern for his client. He is a highly valued employee for annuity gator and should be referred for new clients at any level.
- Robert



We enjoyed speaking with you and
We enjoyed speaking with you and learning about your products.
- Jeannie



Casey Madden was great
Casey Madden was informed, caring and just what I needed.
- Diana



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



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



Annuity questions!
Annuity Gator Team is very precise in assisting you with your needs. They take time out and answer all of your question without feeling that you are being pressured.
Thanks
- Reginald



Very helpful n honest
Very helpful n honest
- Asuncion



It was a pleasure working with
It was a pleasure working with Mr.Driggers. He gave me annuity options to consider and never pressured me to buy. He kept me well informed through all through the application process and transferring money. He was always available to talk or text. Although he is located in a different state than me, he was easy to work with. I can vouch that Annuity Gator is not a scam, but the easiest to work from the several financial advisors I had also talked to.
- Cindy



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



Ryan took the time to educate me
Ryan took the time to educate me about all the different types of annuities and made recommendations based on my needs
- Bill



Ryan was extremely helpful and I
Ryan was extremely helpful and I learned a lot about annuities from our conversations.
- Mike



Excellent unbiased presentation of
Excellent unbiased presentation of products. Good communications and attention to details.
- George



I was contacted by Mark Shelby who
I was contacted by Mark Shelby who answered my question and patiently walk me through very clear explanation on how annuities work. I also listened to the recent webinar that was very well done. Thank you, Lyn
- Lyn



Annuity Program Success
I had been looking for an annuity to invest in, but didn t have a clue where to go and who to contact. The representative assign to me was very instrumental in presenting and explaining the process and earnings potential. He also described the different options I had with the one program I purchased. I was pleased with his customer service and allowed me to ask a million questions and have some time to think about this before I made my decision. I am putting away a large amount of money for my future economic welfare and I believe I chose a good company to do it with. I m giving them 5 Stars and am optimistic to see my earnings potential after this first year.
- Daniel



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



Consolation
Very friendly and informative
- Andre



Terry is a wealth of knowledge and an
Terry is a wealth of knowledge and an asset to the annuity and insurance industry!
- John



Very helpful in Explaining my annuity
Very helpful in Explaining my annuity product, how it works and it s pros /cons Also offering alternative options and insight Thanks Casey
- Lois



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



I had questions concerning Annuities
I has questions concerning Annuities Jeff Woodhy answered my questions so I could make an informed decision about my Annuity.
- William



Writing agent/firm Review
Beginning late January ’24 to the present, our writing agent has provided extremely courteous and timely responses, not only to our initial request for an appointment but to every subsequent, product-related question that we asked. Ultimately, he recommended an annuity product that met our objectives and then some! He delivered an organized, easy to understand presentation that was supported with an equally understandable illustration. Our customer experience has been consistently positive since the end of January through today’s meeting to review the contract.
- Michael



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



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



Patiently stayed with me while I…
Patiently stayed with me while I checked out several different products and was always available to answer any questions I had. Had added peace of mind for my final yeas of retirement and for my wife’s as well.
- Loren



Jeff was very knowledgeable and helpful
Jeff was knowledgeable, helpful and above all, a good listener. He took the time to understand what I am/was trying to accomplish and after our initial discussion, he came back to me with a plan that provided the solution I was looking for.
- Joe



I had a limited knowledge about
I had a limited knowledge about annuities and wasn’t sure if they were a good fit for my portfolio. I submitted an request to Annuity Gator for more information and was assigned to Barry Young. Over the course of several weeks and through several video conferences Barry exposed me to various companies and took the time to patiently explain pros and cons of each. He never tried to push one company over another but through talking and reading downloaded material I became comfortable with what would be a good fit for me. He also introduced me to Gradient Investments who handle the managed side for investing and between the two we came up with a workable plan for my portfolio that I could be comfortable with. I highly recommend working with Annuity Gator for developing a comprehensive plan that will weather any economic climate.
- Edward



Very knowledgeable on products
Very knowledgeable on products available.
- David



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



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



Outstanding service.
Barry explained everything! He had patience and took his time to make sure we didn’t feel rushed or obligated at all.
- Christopher



Making the Right Personal Choice in an Annuity
Investigating and attempting to understand different annuity products is very challenging. So it requires a person who can help and has great expertise and is willing to go the distance, in conveying information in an articulate and patient way. And Matthew Taub is that guy for the Job ! He truly enjoys helping people. He has been so industrious, enthusiastic and conscientious in educating me on the annuity products that are tailored to my individual needs. It is so important to find the Right fiduciary willing to point you in the correct direction ! Great Experience ! Thanks Matthew . . . You are one in a Million !
- GiGi



Annuity Annual Performance
Barbara Halperin has been Exceptional revealing with my account.
- Frederic



Sean Sparkman, a true professional advisor
Sean Sparkman started with an education illustration on different types of annuity products. This overview gave me the confidence of choosing the best product for myself. Sean’s professional knowledge and listening skill were what I needed.
- Xin



Annuity Gator-Critique
I am new to your program, but the overall-content is really good. Love the case histories & asking for permission with a prospect to tell some personal stories. I would give it a 5-Star except some people are not muted & the volume seems too low to sometimes not hear everything that is being discussed. Love the weekly feedback! Keep it going!
- Marvin



Responded promptly with honest answers.
Responded promptly with honest answers.
- Kurt



I recommend Mark Newman.
I worked with Mark Newman. When I first spoke to Mark, I didn’t know anything about annuities. Mark was knowledgeable and explained everything clearly. He helped me select the best one for me, then kept me updated on the progress in opening the annuity.
- Robert



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



Annuity Gator Rep. Barbara Halperin Superstar!
Ms. Barbara Halperin was personable, uncommonly professional, impressively knowledgeable, and an excellent communicator. It was my distinct pleasure connecting with her.
- Michael



My experience with Annuity Gator
I had a bad experience with another financial advisor, and as a result, I became very skeptical, and had developed trust issues. After several contacts with Rick Sparkman, I realized that there was something different about him. By this time, I had talked with several financial advisors. I felt very comfortable working with him, he gave me many education sessions. I have no regrets, and will refer him to any one who is interested in an annuity for retirement. Working with Rick was educational and enlightening, and I am looking forward to a wonderful retirement, because I am confident that the product that was chosen for me, was not commission driven. In my opinion Rick is a true Fiduciary.
- Doreen



James Ault is Excellent
James Ault, AnnuityGator Analyst, is a very honest and intelligent person who is very knowledgeable about investments, especially annuities. He is also very patient and takes the time to fully understand his customer and their goals. He also does an excellent job of explaining how the various annuities work and suggesting the best options for his customers.
- Jake



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



Ryan McNeill is excellent, highly recommended
Years ago, I selected an A++ provider in order to minimize risk. Recently, I discovered that states provide small investors with another form of insurance against company failure. That opened my eyes to the need to research options. Ryan was excellent in his patient exploration of my circumstances – including needs, goals and risk tolerance. Recognizing that his crystal ball is no better than mine, he presented a variety of good options, answered all questions patiently and thoroughly, without pushing. The Zoom format is wonderful – for good discussion and for handy review tapes. I hope to be able to write a more authoritative review in five years. Meanwhile, I can sleep well at night knowing I ve explored a much wider range of options and will enjoy improved financial performance.
- Norm



Josh was excellent
Josh was excellent, explaining program details thoroughly and answering all questions. No pressure approach is definitely appreciated.
- Sharron


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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.
How can we help you start your
annuity journey?
Let our Licensed Annuity Investigators get you started on the path to a comfortable retirement in three easy ways.
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How we are different…
We don’t confuse you with fancy brochures or complicated charts and graphs. We keep it simple with
honest guidance, full transparency, and personalized recommendations, all without high-pressure
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