Captive agents can only sell products from their own company, meaning they won't show you potentially better rates from a competitor. 2. Independent Brokers and Financial Advisors
Top-rated companies include New York Life (rated A++ for financial strength) and Allianz Life (a leader in fixed index annuities). MassMutual and Nationwide also offer robust direct options. where to buy annuities
Major investment platforms offer annuities as part of their retirement solutions. Captive agents can only sell products from their
Tech-savvy DIYers who want to avoid sales pressure and high commissions. Key Platforms: MassMutual and Nationwide also offer robust direct options
Investors who want to compare multiple quotes and ensure the product fits into their broader retirement plan.
Buying directly from the source is a common starting point. Many insurance giants allow you to purchase products through their own "captive" agents—professionals who work exclusively for that company.