9 Best Annuities of 2025

Annuities remain one of the most reliable tools for building long-term financial security and retirement income. Whether you want guaranteed returns or flexible withdrawals, today's best annuities offer an array of features matched to diverse savings goals. Here, we highlight top choices in fixed, multi-year guaranteed, and lifetime income annuities for 2025.

Top Choice for Flexibility & Income: Gainbridge FastBreak Annuity

Ideal for retirees prioritizing both guaranteed income and flexibility, the FastBreak™ Annuity delivers reliable retirement income with standout features:

• Provides guaranteed income during retirement
• Growth is tax-deferred until withdrawal
• Flexible structure: available as fixed, variable, or indexed
• Transparent costs: no commissions, hidden fees, or charges
• Earns up to a 5.50% fixed annual percentage yield (APY)

Best Overall for Guaranteed Income: Gainbridge SteadyPace Annuity

Designed for those who want a reliable savings account, the Gainbridge® SteadyPace™ Annuity is optimal for consistent returns.

• Offers up to a 5.50% APY
• Expertly rated A- (excellent) by AM Best
• Fosters long-term, tax-deferred growth
• Options to renew or withdraw post the Guaranteed Interest Rate Period without penalties

Best for Flexible Annuity Options: Gainbridge ParityFlex Annuity

If you need adaptability, the multi-year Gainbridge ParityFlex is ideal for predictable growth.

• Tax-deferred growth with a predetermined fixed rate
• Protects account value from market downturns
• Lifetime withdrawal percentages assure income for those aged 59 and older

Best for Growth & Market Protection: Athene Annuity and Life Company

Athene provides powerful growth opportunities with competitive rates and essential market protection.

• Indexed annuities offer downside protection while capturing growth
• Income riders guarantee reliable retirement income

Best for Diverse Product Options: MassMutual Annuities

MassMutual offers varied products catering to financial stability and growth.

• Range includes both fixed and variable annuities
• Some products offer market protection features
• Lifetime income options backed by robust financial ratings and customizable riders

Best for Financial Strength: Lincoln Financial Annuities

Lincoln Financial stands out for its long-term security offerings supported by strong financial backing.

• Offers a mix of fixed and indexed annuities
• Ensures retirement income while protecting against market fluctuations

Best for Transparent, Educational Options: Aspida Annuities

Aspida is known for transparent, low-cost annuities and educational support.

• Fixed and indexed annuities protect against market volatility
• Flexible income guarantees at low fees

Best for Long-Term Security: Allianz Life Annuities

Allianz provides comprehensive retirement solutions with high growth potential and market protection.

• A leading provider of indexed annuities with robust downside protection
• Income riders and lifetime payout options for secure retirement income

Best for Market Protection: Nationwide Annuities

Nationwide offers flexible solutions balancing growth with market security.

• Indexed and variable annuities mitigate market volatility risks
• Comprehensive income guarantee riders including lifetime income and long-term care benefits