The Best Fixed Index Annuity Rates in 2019

Shawn Plummer

CEO, The Annuity Expert

As an annuity product specialist of an FMO, I have to keep up with hundreds of annuity products provided by 40+ different annuity companies. 

We dig into specific annuity products to find out which annuity products illustrate or perform the best. 

Rates changes all the time so use this as a guide for further research.

The Best Illustrated Fixed Index Annuities for Accumulation (10 Year Periods).

CarrierProductCrediting StrategyRecentHighestLowest
AthenePerformance Elite 15Janus SG Market Consensus II 2 yr Pt to Pt9.42%10.81%7.50%
AIGPower 10 ProtectorPIMCO 2 year Pt to Pt7.71%10.78%5.10%
Global AtlanticChoice Accumulation 7Franklin 2 year Pt to Pt8.42%8.62%7.18%
F&GAccumulator Plus 10Barclays Trailblazer Sectors 5 2 yr Pt to Pt7.48%8.44%6.36%
Legacy Marketing GroupClassicMark 10Morgan Stanley Target Equity Balance 2 yr pt to pt6.45%9.05%6.45%
NACOLAHBenefit Solutions 14S&P 500 DRC 5% 1 yr Pt to Pt4.60%4.56%3.27%
Pacific LifeIndex Dimensions 10MCSI EAFE 2 yr Pt to Pt3.35%5.35%-2.06%
NassauPersonal Protection ChoiceCS Tactical Multi Asset 2 yr Pt to Pt4.64%8.6%4.64%
Allianz222Pimco Tactical Balanced Index 1 yr pt to pt4.66%5.17%4.17%
AELAssetShield 10S&P 500 Dividend Aristocrats DRC 2 Yr7.73%7.73%3.24%
ACL/SentinelRPM w/ Growth Benefit RdrGoldman SACHS Motif 3 yr pt to pt8.74%10.00%7.11%

Which annuities with income riders generate the highest income payouts for a 60-year-old with $100,000 premium?

Immediate Income – at Age 60

Payout (in dollars)CarrierProduct
5,304NassauPersonal Income Annuity
4,860Great AmericanPremier Income Bonus
4,704NACOLAHBenefit Solutions 14
4,644ACL/SentinelGuaranteed Income Annuity
4,510AtheneAthene Ascent 10 Bonus 2.0
4,500Pacific LifeIndex Dimensions 10
4,250Global AtlanticChoice Income 10 option 1

1 Year Deferral – at Age 61

Payout (in dollars)CarrierProduct
5,913NassauPersonal Income Annuity
5,871NWLUltra Future, IOP5
5,738AELIncomeShield 10 – 7.25
5,365Great AmericanPremier Income Bonus
5,132ACL/SentinelGuaranteed Income Annuity
5,046EquitrustMarketPower Bonus Index
5,040AtheneAscent 10 Bonus 2.0
5,029Legacy MarketingFlexMark Select, MyFit w/Booster
4,968ACL/SentinelIncome Navigator
4,836NACOLAHBenefit Solutions 14
4,785Global AtlanticChoice Income 10 option 1
4,760F&GSafe Income Plus
4,725Pacific LifeIndex Dimensions 10
5 Year Deferral – at Age 65
Payout (in dollars)CarrierProduct
7,945AELIncomeShield 10 – 7.25
7,907F&GSafe Income Plus
7,718NassauPersonal Income Annuity
7,617ACL/SentinelGuaranteed Income Annuity
7,560Great AmericanPremier Income Bonus
7,360AtheneAscent Bonus 2.0
7,318Pacific LifeIndex Dimensions 10
7,293Legacy MarketingFlexmark Select, MyFit w/ Booster
7,269NWLUltra Future, IOP5
7,125Global AtlanticChoice Income 10 option 1
7,119EquitrustMarket Power Bonus Index
7,078ACL/SentinelIncome Navigator
6,734NACOLAHBenefit Solutions 14
10 Year Deferral – Starting Income at Age 70
Payout (in dollars)CarrierProduct
12,465F&GSafe Income Plus
11,797ACL/SentinelGuaranteed Income Annuity
11,497AELIncomeShield 10 – 6%
11,417ACL/SentinelIncome Navigator
11,376NassauPersonal Income Annuity
11,226ACL/SentinelRetirement Plus Multiplier
11,213Legacy MarketingFlexMark Select, MyFit w/ Booster
10,710AtheneAscent 10 Bonus 2.0
10,692Great AmericanPremier Income Bonus
10,530EquitrustMarket Power Bonus Index
10,500Global AtlanticChoice Income 10 option 1
10,078Pacific LifeIndex Dimensions 10
9,192NWLUltra Future, IOP5
8,096NACOLAHBenefit Solutions 14

Which annuities with income riders generate the highest income payouts for a 65-year-old with $100,000 premium?

Immediate Income – Starting Income at Age 65

Payout (in dollars)CarrierProduct
5,876NassauPersonal Income Annuity
5,532NACOLAHBenefit Solutions 14
5,400Great AmericanPremier Income Bonus
5,184ACL/SentinelGuaranteed Income Annuity
5,060AtheneAscent 10 Bonus 2.0
5,000Pacific LifeIndex Dimensions 10
4,750Global AtlanticChoice Income 10 option 1
1 Year Deferral – Starting Income at Age 66
Payout (in dollars)CarrierProduct
6,476NassauPersonal Income Annuity
6,458NWLUltra Future, IOP5
6,369AELIncomShield 10 – 7.25
5,979F&GSafe Income Plus
5,949Great AmericanPremier Income Bonus
5,778ACL/SentinelIncome Navigator
5,748NACOLAHBenefit Solutions 14
5,715ACL/SentinelGuaranteed Income Annuity
5,671Legacy MarketingFlexMark Select, MyFit w/Booster
5,640AtheneAscent 10 Bonus 2.0
5,639EquitrustMarket Power Bonus Index
5,335Global AtlanticChoice Income 10 option 1
5,250Pacific LifeIndex Dimensions 10
5 Year Deferral – Starting Income at Age 70
Payout (in dollars)CarrierProduct
8,747AELIncomeShield – 7.25
8,683F&GSafe Income Plus
8,602NassauPersonal Income Annuity
8,410ACL/SentinelGuaranteed Income Annuity
8,316Great AmericanPremier Income Bonus
8,160AtheneAscent Bonus 2.0
8,140ACL/SentinelIncome Navigator
8,050Pacific LifeIndex Dimensions 10
7,995Legacy MarketingFlexMark Select, MyFit w/Booster
7,929NWLUltra Future, IOP5
7,905ACL/SentinelRetirement Plus Multiplier
7,875Global AtlanticChoice Income 10 option 1
7,869EquitrustMarket Power Bonus Index
7,462NACOLAHBenefit Solutions 14
10 Year Deferral – Starting Income at Age 75
Payout (in dollars)CarrierProduct
13,578F&GSafe Income Plus
13,523ACL/SentinelGuaranteed Income Annuity
12,456NassauPersonal Income Annuity
12,455AELIncomeShield 10 – 6%
12,409ACL/SentinelIncome Navigator
12,196Legacy MarketingFlexMark Select, MyFit w/Booster
11,760AtheneAscent 10 Bonus 2.0
11,664Great AmericanPremier Income Bonus
11,533EquitrustMarket Power Bonus Index
11,500Global AtlanticChoice Income 10 option 1
10,078Pacific LifeIndex Dimensions 10
9,958NWLUltra Future, IOP5
9,240ACL/SentinelRetirement Plus Multiplier
8,960NACOLAHBenefit Solutions 14

Which annuities with income riders generate the highest income payouts for a 65-year-old with $100,000 premium?

Immediate Income – Starting Income at Age 70

Payout (in dollars)CarrierProduct
6,409NassauPersonal Income Annuity
5,988NACOLAHBenefit Solutions 14
5,940Great AmericanPremier Income Bonus
5,724ACL/SentinelGuaranteed Income Annuity
5,610AtheneAscent 10 Bonus 2.0
5,500Pacific LifeIndex Dimensions 10
5,250Global AtlanticChoice Income 10 option 1
1 Year Deferral – Starting Income at Age 71
Payout (in dollars)CarrierProduct
7,095NassauPersonal Income Annuity
7,045NWLUltra Future, IOP5
7,000AELIncomeShield – 7.25
6,560F&GSafe Income Plus
6,532Great AmericanPremier Income Bonus
6,383ACL/SentinelIncome Navigator
6,298ACL/SentinelGuaranteed Income Annuity
6,276NACOLAHBenefit Soutions 14
6,240AtheneAscent 10 Bonus 2.0
6,233EquitrustMarket Power Bonus Index
6,206Legacy MarketingFlexMark Select, MyFit w/Booster
5,885Global AtlanticChoice Income 10 option 1
5,775Pacific LifeIndex Dimensions 10
5 Year Deferral – Starting Income at Age 75
Payout (in dollars)CarrierProduct
9,476AELIncomeShield – 7.25
9,458F&GSafe Income Plus
9,401NassauPersonal Income Annuity
9,204ACL/SentinelGuaranteed Income Annuity
9,072Great AmericanPremier Income Bonus
8,960AtheneAscent Bonus 2.0
8,848ACL/SentinelRetirement Plus Multiplier
8,696Legacy MarketingFlexMark Select, MyFit w/Booster
8,618EquitrustMarket Power Bonus Index
8,625Global AtlanticChoice Income 10 option 1
8,590NWLUltra Future, IOP5
8,448ACL/SentinelIncome Navigator
8,176NACOLAHBenefit Solutions 14
8,050Pacific LifeIndex Dimensions 10
10 Year Deferral – Starting Income at Age 80
Payout (in dollars)CarrierProduct
14,691F&GSafe Income Plus
14,689ACL/SentinelGuaranteed Income Annuity
13,899ACL/SentinelIncome Navigator
13,413AELIncomeShield 10 – 6%
13,368NassauPersonal Income Annuity
12,810AtheneAscent 10 Bonus 2.0
12,636Great AmericanPremier Income Bonus
12,536EquitrustMarket Power Bonus Index
12,500Global AtlanticChoice Income 10 option 1
12,295Legacy MarketingFlexMark Select, MyFit w/Booster
11,910Pacific LifeIndex Dimensions 10
10,724NWLUltra Future, IOP5
10,248ACL/SentinelRetirement Plus Multiplier
9,840NACOLAHBenefit Solutions 14

Which annuities with (performance-based) income riders generate the highest income payouts for a 60-year-old with $100,000 premium?

Payout (in dollars)CarrierProductIllustrated Yield
5 year deferral – Starting Income at Age 65
9,592AIGPower 10 Protector Plus Income7.15%
8,431Global AtlanticChoice Income 10 option 27.73%
7,944F&GPerformance Pro5.69%
7,583AtheneAscent 10 Bonus 2.05.45%
7,278NACOLAHBenefit Solutions 144.60%
10 year deferral – Starting Income at Age 70
17,273AtheneAthene Agility 107.60%
15,990Global AtlanticChoice Income 10 option 27.73%
14,114Allianz2225.17%
13,869AtheneAscent 10 Bonus 2.05.45%
13,243F&GPerformance Pro5.69%
12,939AIGPower 10 Protector Plus Income7.93%
12,689ACL/SentinelRetirement Plus Multiplier5.30%
10,184LincolnRetirement SafeGuard5.31%
9,247NACOLAHBenefit Solutions 144.60%
15 year deferral – Starting Income at Age 75
26,279AtheneAgility 107.60%
25,503Global AtlanticChoice Income 10 option 27.73%
21,782F&GPerformance Pro5.69%
20,885Allianz2225.17%
19,699AtheneAscent 10 Bonus 2.05.45%
16,019AIGPower 10 Protector Plus Income7.93%
15,759LincolnRetirement SafeGuard5.31%
11,977NACOLAHBenefit Solutions 144.60%

Want to find out if you can generate more retirement income and/or growth?  Contact The Annuity Expert.

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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